davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
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. (UT)

I have sent Experian my credit report along with proof of identity of myself with 3 items that they ask. I wrote to them about accounts that are being reported inaccurate and is damaging my credit. Ive sent my credit report priority mail with a letter to dispute accounts that are inaccurate. They responded with saying that they verified it with the creditor however I have not reviewed anything in the mail or have they mailed me anything identifying its a legitimate account or it belongs to me. This violates my rights as a consumer and they arent following Fair Credit Reporting Acts by not identifying the account with me. If the creditor verified the account, than I as a consumer should receive that as well. Experian bureau failed to do so by not explaining anything or send a mail of verification.
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX account number 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 customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (OH)

XXXX made disbursements from my checking account that were not authorized. Returned 2 but would not give back the first one they said it was more than 60 days after. I have been trying to get them to handle this earlier than the 60 days. They told me they could not give me a tracking number as requested by citi and they to date have not given me any information as to where the XXXX went. They refused to give me any concrete information as to why they did disbursements and they stilll have not returned all they money back to my account.
Consumer complaint received 2022-02-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I received a call from a Wells Fargo phone number on XX/XX/2021 with someone who claimed to be a representative from Wells Fargo. He asked if I, or someone, had charged {$3000.00} in Minnesota from my account because there was a charge, even though I could not see it from my WF app. I told him that was not me and he sent me a confirmation text with a code to read back to him just like Wells Fargo does, making this fraudster more believable. He then walked me through the steps to XXXX myself the {$3000.00} saying that it would reverse the payment so the money was not removed. The money disappeared from my account and then he assured me that it would be back in my account within 24 hours. When it was not, I called Wells Fargo and they informed me that nobody from there had called me and it was fraud. I called the fraud phone number of Wells Fargo and each time they opened a claim it was closed for unknown reasons- nobody even notifying me that it was closed or that I wasn't getting my money back. I talked to someone in person at Wells Fargo who also was of no help because everyone was telling me this situation is not considered fraud. I received an email recently explaining this exact situation and to beware of fraudsters that will take money by XXXX and to call the Wells Fargo Scam & Fraud line ASAP. I did that many times and nobody is helping me! I can not lose this money and it is not my fault that someone was able to access my information and manipulate a Wells Fargo phone number to steal money.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (FL)

multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

Discover has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent information on the opening of an account, a card sent, and sent statements. and in their words " considered '' this account valid. 

another certified letter was sent ( and received by Discover ) on XX/XX/21 asking for proper validation again including a copy of the supposed signed contract and the " other identifying information '' which they stated on their last validation letter. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report
Consumer complaint received 2022-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (CT)

In late XXXX I applied for a mortgage ( acct- XXXX ) forbearance due to Covid related health issues. I was granted reprieve and 3 months of mortgage payments are moved to the end of my loan. This essentially waived XXXX, XXXX, and XXXX. However, the escrow Aunt was not sort of that adjustment I was granted 5 years to balance out escrow. I was then scheduled to restart paying XX/XX/2022. I was not able to pay that month until XXXX. In which Case, I called in spoke with a collections representative and paid XXXX and XXXX together a total of {$2600.00}. This amount is not in dispute. I was told this would catch me up. I will then be able to resume normal payments. Therefore, in XXXX I tried to pay through app and could not so I called back in. I was then told that the issue was confusion around the escrow Carry over until I catch that Portion up it will look like Im behind. They then took the payment over the phone. I call in today to make my payment. I was on the phone for over an hour and still was not able to make payment. I was put from customer service to collections to loss mitigation, then ultimately told to leave a message for escalations. XXXX In single point of contact thinks there XXXX XXXX payment was misapplied so the payments Im packing are not posting to account. However, the frustrating part is I dont want to have to go through this each month. I feel it interferes with my account access and it increases the chance of getting a 30 day late. Such as today, Im attempting to make payment on the last day of month which is with in my right. But because of their internal issues they refused to collect although Im not behind they said talk to escalations and Im the meantime theyll send me a payment recap. We reviewed my payment from bank account with no discrepancy but still they refused. An error like this could cause s false foreclose. 
Customer service- XXXX. XXXX- single point of contact in loss mitigation
Consumer complaint received 2022-08-31
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. (CO)

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX against Experian Credit Bureau. They have yet to respond to any complaint and are completely ignoring the laws in regards to consumer reporting and are violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report by any reporting agency. I did not give any agencies this consent, this includes any vendor who they got this information from. Also they have yet to provide me with a contract that has my signature where I consent to them sharing this information. I also received a request from Experian compelling me to give out my Social Security Number which is a violation of the Privacy Act of XXXX. Which means they obtained all information through identity theft. That is also a violation of 18 USC1028A aggravated identify because they used my name without my consent. They are also falsely reporting late payments.15 USC 1666b clearly states a consumer credit transaction can not be listed as late for any reason. Please review 5 USC 552A in concerns to the law for reporting information on individuals. Also at least XXXX agency has deleted both fraudulent accounts so again they are reporting inaccurate. I demand they correct it. I have submitted several complaints against Experian Credit Bureau for constant violations of consumer law. In response they removed 1 of the fraudulent accounts but left the other. They both were added through unlawful methods and both should be removed the same. Not only are you reporting false information you are reporting it illegally. Please provide me with a copy if the contract I singed agreeing for you to furnish this information or delete the account immediately. Also XXXX XXXX international has no authority to verify this debt as they stole my identity, please provide me with the contract where I authorized them to share that information or delete the account immediately. Please provide me with all documentation in regards to my investigation or delete the account. Any and all parties who you are allegedly verifying this debt from stole my identity. You are also reporting inaccurate information such as late payments which is a billing error. The fraudulent accounts have both been deleted by another consumer reporting agency so once again they are displaying false information. If the other agency could not verify this debt how could Experian? The account I am speaking of is : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Total fraud account. 
You have been notified of the fraud and have 4 days to remove it by law. 15 USC 1681 C-2
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-08-25
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. (LA)

I HAVE DISPUTED WITH EQUIFAX OVER THE PAST 8 MONTHS ABOUT XXXX XXXX  CREDIT CARD AND XXXX XXXX INQURIES ON MY REPORT. I HAVE SPOKEN WITH XXXX XXXX AND THEY AGREED THAT IT WAS FRAUD AND GRACIOUSLY OUT AN FRAUD ALERT. I HAVE RELAYED THIS INFORMATION TO THE EQUIFAX AND ASKED TO THEM VERIFY THE INFORMATION TO DELETE THIS FROM MY CREDIT REPORT. THEY SAID THEY VERIFIED THIS INFORMATION BUT THAT IS NOT TRUE. I HAVE SUBMITTED MY FTC REPORT AND MY POLICE REPORT. THERE HAVE BEEN APARTMENTS, CABLE AND OTHER UTILTIES IN MY NAME. I HAVE ASKED FOR VERIFIABLE INFORMATION WITH MY SIGNATURE ON IT OR ANY OTHER ITEMS TO VALIDATE THIS IS MY ACCOUNT AS WELL AS INQUIRIES. I HAVE YET TO RECIEVE THIS FROM EQUIFAX
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NM)

I'm a victim of identity theft. I have called and sent certified letters to Clarity Services ( a part of experian ) to obtain PEMANENT Opt-out of prescreened promotions. I mailed ( via certified mail ) Clarity Services all the documents that they required to process a permanent opt-out of prescreened promotions, including copy of my FTC identity theft report, XXXX Police report XXXX copy of my NM driver 's license, copy of my social security card. I have received a letter confirming XXXX extended fraud alert and security freeze. However, I asked for PERMANENT Opt-out of pre-screened promotions and this has NOT been accomplished by Clarity Services ( a part of experian ). I also requested my free copy of consumer file disclosure. I would like cfpb 's assistance in this matter. thank you.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account servicing on behalf of XXXX XXXX XXXX Bank was moved from XXXX XXXX  XXXX to XXXX XXXX XX/XX/2019. Despite a letter from XXXX XXXX to XXXX stating the account has been transferred and therefore closed, XXXX continues to report the account incorrectly in open status, affecting my credit report. 

I have spoken to multiple people at XXXX promising to resolve the issue over the course of the last year without resolution. Contacts include XXXX ( employee XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). My latest interaction with XXXX XXXX XXXX ) was to send documentation of the issue from the credit bureau and two letters from XXXX XXXX clarifying the issue and the transfer to XXXX, these items are attached. I have emailed XXXX 3 times receiving no response despite his promise to respond immediate upon receipt of my emails.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (GA)

I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XXXX XXXX, XXXX, Wells Fargo Dealer Service Auto Creditor : Wells Fargo Dealer Services Attn : Credit Bureau Dispute Resolution Unit CBDRU Mail Coded : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX inquiry to determine who requested this credit inquiry.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMERICAN EXPRESS COMPANY (FL)

Keep receiving calls from a caller id Americanexpress showing phone number XXXX ( XXXX ) XXXX unknown They say they are calling from American Express. I have repeatedly told them not to call me and that it can get me fired from my job and that if they can reach me by mail if they have something to discuss. Then I have hung up. Today XX/XX/XXXX at XXXX, they called, I told them again, he said " thank you for telling me this, but now that I have you on the line... '' and started to ask me identifying questions.
Consumer complaint received 2022-04-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent a letter to Experian on XX/XX/2022 about an account from XXXX XXXX reporting an late balance. This is collection/charge off how can there be a late payment? This is a violation! They havent responded back and its been more than 30 days. A credit reporting agency are obligated to respond to my request, how can they just blatantly ignore me while Im trying so hard to fix my credit. Account # XXXX XXXX XXXX
Consumer complaint received 2023-06-26
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I have a HELOC loan # XXXX with Flagstar. My loan was under forbearance due to Covid-19. The original loan contract had a provision for 0.5 % loan rate discount if the loan is set for AUTO PAYMENT from the Flagstar checking account, which I had all alone until the forbearance. When I restarted my regular monthly payments in XX/XX/2021 the 0.5 % rate discount was removed. Flagstar tells me the discount of 0.5 % was removed because of something I did. I wholeheartedly told them this was wrong and I need their help to get the discount of 0.5 % back on with AUTOPAYMENT setup from checking account # XXXX at XXXX. 

I feel Flagstar is just trying to take advantage of the situation and force me to a higher rate because their currently offered HELOC rate is at 4.99 %. This translates into additional {$500.00} per month for extra 0.5 % in interest rate. The re were supposed to freeze my loan while in forbearance with all the original loan terms and continue with the same terms when my repayments restarted in XX/XX/2021. 

I spoke with numerous supervisors/managers .... These are just 2 of the 5 managers I spoke with... 
XXXX XXXX, XXXX, supervising mgr in HELOC servicing, XXXX XXXX, XXXX, superviser in HELOC servicing, This department 's email for management is XXXX. 
Please help me to get this issue solved and under control. 

Additional monthly increase of {$500.00} is a tremendous burden on our family 's cash flow and may put this loan in jeopardy again. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX