davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-05-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: World Acceptance Corporation (GA)

They told me due to the fact of me not having a job and its the law they couldn't issue loan for {$600.00} with proof of income {$5000.00} a monthly. I asked federal burial of investigations and they stated ots not a law in Georgia.
Consumer complaint received 2018-02-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX Sent me a bill offering to accept 50 % of the amount owed to XXXX XXXX XXXX XXXX XXXX XXXX service XXXX XXXX Account I do not have, nor have I ever had, a XXXX XXXX  account or any account with either XXXX XXXX XXXX, or XXXX XXXX While XXXX XXXX XXXX may be a legitimate company, the loan itself does not exist and has never existed.
Consumer complaint received 2017-05-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (UT)

PLEASE PUT A COPY OF THIS EMAIL IN  CEO, WELLS FARGO ,  XXXX   XXXX   XXXX   reading  file : Dear   XXXX   XXXX   : Maybe you would like to explain to me why your in " VIOLATION '' of not issuing my " ESCROW CHECK '' for  XXXX  under the provisions of  12 CFR 1024.17 (  b ).   If the escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to {$50.00}. If the surplus is less than {$50.00}, the servicer may refund such amount to the borrower or credit such amount against the next years escrow payments. These provisions apply as long as the borrowers mortgage payment is current at the time of the escrow account analysis.  <P/> I have talk to your mortgage company at least three times on this and they assured me the check was cut on   XXXX   XXXX  , 2 017    and mailed to  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , UT  XXXX . Well guess what it has never arrived, so therefore I WOULD HIGHLY RECOMMEND   XXXX   XXXX   A STOP PAYMENT ON THE FIRST CHECK ISSUED AND ANOTHER CHECK BE SENT OVERNIGHT MAIL TO THE ADDRESS AS INDICATED.  <P/> Know if I were late on my mortgage payment the shoe be on a different foot, because your staff would call without hestitation, where is the payment, but being it on your side of the house, there will probably be a 1000 excuses as to why it has n't arrived. We do receive mail on a regular basis at my address so let 's rule out the mail excuse.  <P/> This is just another example of  WELLS FARGO  NOT PUTTING THE CUSTOMER FIRST.  <P/> Just for your information a complaint has been filed with the  Consumer Protection Bureau  for not ensuring that my check arrived within 30 days of closing and paying off this mortgage, Being you are the  CEO of Wells Fargo , I want you to DIRECT THE MORTGAGE DIVISION TO TAKE AND PUT THE  XXXX  INTO MY  WELLS FARGO C HECKING ACCT as an exception to policy because we both know " YOU '' can do that if directed   XXXX   XXXX   XXXX . Of couse we also know there is a  1000 excu ses as to why not. Or you can have your local office in  XXXX   XXXX   XXXX  print the check and I will pick it up, of couse I am sure your staff will fine  a 1000  excuses on that request also.  <P/> I had better receive the check by no later than " THURSDAY ''   XX/XX/XXXX   or I will request a Congressional Inquiry as to why your staff ca n't comply with the provisions of  12 CFR 1024.17  ( b ) or whose in box is that check laying in and has not been dispatched yet?  <P/> If your staff calls me they are going to have to leave a message, because where I work I ca n't take a cell phone in the building. Also I am an hour behind Iowa in time, we are o n Mountain Time, vs Central.  I close on the refinance on   X/XX/2017 .   <P/> I look forward to an expeditious reply.  <P/><P/><P/> Very respectfully,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX   XXXX  Cc  : Consumer Protection Bureau
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

On XX/XX/2022 I woke up to a {$38.00} XXXX XXXX by Key Bank. I have REPEATEDLY told this bank I DO NOT want overdraft protection and have opted out of such a " so called '' service. Instead, Key Bank keep finding loopholes to take my money any way possible. I called the bank on the morning of XX/XX/2022, and the representative XXXX mentioned that " it's at the bank 's discretion to charge an overdraft charge and not the choice of the consumer. '' Really? I want my {$38.00} refunded NOW! 

Key Bank repeatedly finds loopholes in their attempt, in XXXX way or another, to pocket free money from innocent consumers who are struggling making ends meet. Enough is ENOUGH!
Consumer complaint received 2018-02-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NY)

I contact the United States Federal Communication Commission in regards to when I access my TD Bank Saving Account Online and try to close the web Brower it would not allow me to close the web page or my online Account is it legal to create a Website for customer to view the Bank Account and then have the website not to work according to United States Federal Regulations is this legal a customer should not be force to leave the account open on the website for any reason this leave chance for the account and website to hack it this should be illegal and I would like to have this website an all online banking review to secure security for the customers and ensure that we have secure way to view or account or is it legal even to view our account online and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulations
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American First Finance, Inc. (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

After completing payments back in XX/XX/XXXX with my XXXX XXXX XXXX  a company called the XXXX XXXX XXXX they refused to report my closed account. I called them many times to speak with a manager and still haven't heard back. Then I see a new report on my credit company from the auto warehouse which isn't the finance company I was paying. They also deleted all my on-time payments. I paid easy acceptance in full and then they add late payments under a different name. My payments were never late seeing that I had 2 payments per month. I've never had an auto wear house on my credit until XX/XX/XXXX. All payments were through the finance company 's easy acceptance. I talked to a lady named XXXX and after she stated that the auto wear house is the finance company. Then she tells me I was late in XXXX. But I closed my account in full in XXXX. The payment arrangements always kept me on time. They are doing some fraudulent reporting and trying to cover their tracts with false information.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I went to XXXX XXXX on XX/XX/XXXX to get a personal loan and they denied me, didn't understand why and even was upset because I have good credit. When I went home and checked my credit I found numerous credit cards/accounts on my credit that do not belong to me. My personal information, birth certificate driver license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. 

I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I contacted XXXX XXXX credit card services to dispute/settle the collection account reported on XX/XX/XXXX and was informed that the account had been forwarded to XXXX XXXX XXXX Collection agency and that XXXX was no longer handling the account and all collection activity would be handled by XXXX XXXX XXXX XXXX Between XXXX through XXXX, I never received any correspondence from XXXX XXXX advising of the charge off, considering that the creditor had my current address, at which I resided for the last 12 years. I then contacted XXXX XXXX XXXX and attempted to negotiate the payment for the collection/charge-off account and requested that upon payment- the account to be reported as settled and paid however I was informed that all collection reporting to the credit bureaus was being done by the original creditor- XXXX  and that paying the account would not guarantee an update on information reflected on all the credit reporting bureaus. I then contacted XXXX again in order to discuss the above and was informed that they were not able to assist further.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

On XXXX XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$15000.00} late will be removed.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

In 2018, a derogatory remark showed on my credit report from XXXX XXXX over an account that went to collections for {$50.00}. The account number was not mine. My account has been set to auto pay ever since it was opened and has ALWAYS had a ZERO balance. After several months of back and forth, XXXX determined the account was erroneously created by an affiliate store who was renewing my account and upgrading my phone. The balance was zeroed and the account closed. XXXX refuses to remove the derogatory mark from my credit report. 

So to summarize : an account I didn't open, that wasn't mine, that I didn't get a single notice about, is hurting my credit score.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is in regards to my B of A XXXX XXXX card ending in XXXX. On XX/XX/20 I logged into my account and noted two charges that were not mine. I immediately tried calling the B of A dispute number provided on the web page ( XXXX ). I was put in a queue that neither told me how long the wait was, or what number customer I was in line. Periodically, between awful musak, a message reminded me to " Continue to hold and I will be answered by the next associate '' and that " Your call is important to us ''. During the time I was on hold, several more fraudulent charges appeared on my account. I was able to suspend the account/card on my own ( with no assistance from B of A ) during this time. After over 2 hours of MY time on hold, I gave up and ended the call. 

Over the next two days I tried to call several times to this number and another number ( XXXX ) also provided by B of A. Several ~ 2hour waits on hold ( again with no information about the queue ) resulted in the call being dropped/ended by B of A without my being able to speak with anyone there. I tried also to call the regular customer service number provided on the back of the card ( XXXX ). Here I had to provide my debit card number, and last four digits of my social security number. Then provide the card number several times to the customer service associate I reached, followed by D.O.B. address, phone, and a security question. Twice I reached someone and was told they could not help, but offered to transfer me back to the line I had already tried to call unsuccessfully which I explained would not help in any way. The last time I called, I demanded to speak to a supervisor and was transferred to " XXXX '' in the fraud department. 

XXXX seemed to understand my frustration and after again asking security related questions, offered to transfer me using an " internal '' number that isn't given out to customers to get me in touch with someone to resolve this situation. I was again put on hold and heard the familiar recording ( " Continue to hold and I will be answered by the next associate '' and that " Your call is important to us '' ). After ~ 90+ MORE minutes on hold I again gave up and plan to call customer service again. 

This problem follows other issues with B of A including their arbitrary cancellation of one of my credit card accounts that i did not want and that they refused to fix ( an account that was 15 yrs old ) and the company 's charging me {$12.00} a month for the privilege of having another credit/debit account with them. Because I have a relatively low balance, B of A feels they can charge ( steal ) {$12.00} a month from me. This complaint should reach XXXX XXXX and various people in departments from customer service, fraud, debit cards, and software/programming should ALL be FIRED
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VT)

In XXXX, a derogatory remark showed on my credit report from XXXX XXXX over an account that went to collections for {$50.00}. The account number was not mine. My account has been set to auto pay ever since it was opened and has ALWAYS had a ZERO balance. After several months of back and forth, XXXX determined the account was erroneously created by an affiliate store who was renewing my account and upgrading my phone. The balance was zeroed and the account closed. Experian refuses to remove the derogatory mark from my credit report. 

So to summarize : an account I didn't open, that wasn't mine, that I didn't get a single notice about, is hurting my credit score.
Consumer complaint received 2019-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 )  XXXX XXXX XXXX XXXX ( 3 ) XXXX  XXXX XXXX ( 4 ) XXXX XXXX   {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX XXXX XXXX XXXX {$790.00} ( 8 ) XXXX XXXX XXXX   {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX ( 11 ) XXXX XXXX XXXX
Consumer complaint received 2018-04-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (MD)

Us Dept of Education/Navient has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022, I recognized there were 4 accounts on my Experian credit report that showed delinquency which I had no knowledge of opening. These 4 accounts totaled a balanced of about {$120.00}. Although it was not a significant amount, since these accounts were not mine, I did not agree to pay. I filed a police report, a complaint case with the federal trade commission. Then I submitted these 2 reports along with my identity proof ( SSN card, driver license ) to Experian via postal mail and also uploaded these files online. Experian still refused to assist me and turned down my complaint, leaving these 4 accounts on my credit report to affect my credit score and reputation.