davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (MI)

Attached is a FTC Report for IDENTITY THEFT for inquiries I did not authorize anyone to use my personal information nor did they have a permissible purpose 15 USC 1681b.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2 Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

4. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2021-08-24
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: DISCOVER BANK (CT)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I made a check deposit of XXXX at the Bank of America ATM machine. This is something I have done for many years. After making the deposit I received access of only {$300.00} which as expected. After sending out several bills knowing my payroll would also hit my account on XX/XX/XXXX and expecting several automatic payments to go through I proceeded to spend my money on items needed in preparation for my son wedding. I believe on XX/XX/XXXX I was looking at my email and found a email from Bank of America that my account was -XXXX. I called customer service and was told the deposit I made on the XX/XX/XXXX was placed on a hold because of something that was written on the check, indicating the check could be insufficient. I asked the lady how was I supposed to know that this would happen, she stated you would not have known. and why did I have to find it in my email. When I asked if I could come get the check and go cash it at the bank it was written on she told me there was no way they could do this. I explained to her that I needed this money and there was several transactions coming in and all the BOA was doing was holding my check and charging me for {$35.00} for everything that comes in knowing they have a check with sufficient funds. The check was printed by Texas Comptroller of Public Accounts. The warrant number:XXXX, which guarantee the funds and I was informed by the Texas Comptroller these funds are guaranteed. This has cause much anguish, and has basically been a nightmare for me. I have no money, I cant use any of my credit cards because they have declined all payments, and I just do n't know what to do. This is wrong, I have had this account with BOA for over 17 years and have never received such a disservice. I am no longer to move forward with my sons wedding because this has caused a 7 day delay, and I 'm just numb. I need someone to help this wrong be a right. I just cry everyday because the whole reason of me to get these extra funds was to get all of my bills paid and get ready for this which should have been a happy occasion. 

After speaking to the lady with BOA she said I 'm going to refund you one of the {$35.00} fee, but that was all she could do.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

Ally Bank seems to have halted the ability to receive instant transfers. a wealth of apps use these transfers, like XXXX, XXXX, XXXX XXXX, and many more. instant transfers are generally performed at a premium, with a 1 to 3 % charge for making the transfer. 

I have talked about this with Ally Bank already. they made a change to their debit card control system that has caused a delay in instant transfers. This happened in XXXX. I received an email from Ally Bank about the issue on XX/XX/XXXX XXXX however, Ally Bank updated their deposit agreement after that and we were not notified of this change. 

instant transfers are now no longer instant. they are processed in a batch at the end of the day, meaning people are paying a premium for instant transfers that does not happen. that Ally Bank updated their deposit agreement to reflect this, without notifying customers, is very problematic and I believe also illegal. well I understand that whatever issue they're having with their systems is responsible for this, I am receiving mixed messages as to whether this is a permanent change or something they are attempting to correct. some agents have told me that they'd simply no longer do these transfers. 

either way this is extremely disruptive and leading to me not being able to access my money or receive my deposits as expected. I am also XXXX. I do rely on instant transfers as I do some work as an independent contractor. I am low income and this is disruptive to my financial stability.
Consumer complaint received 2022-08-30
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)

I, XXXX XXXX XXXX, have reached out to Equifax demanding several accounts and information that did not belong to me removed from my consumer report. I never gave consent or written instruction to Equifax to furnish my information yet they assumed the role. Equifax furnished inaccurate and unfair information that violated my right to privacy as a consumer. Equifax violated both 15 USC 1681a ( XXXX ) and 15 USC 1681a ( XXXX ).
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

Global Payments has transmitted the incorrect information for XXXX XXXX in connection with a business service he provided through his now closed company XXXX XXXX and XXXX. Global Payments transmitted information that the customer was not satisfied because the customer had not received certain HVAC equipment/service when the documentation provided indicates the customer did receive the equipment/service and signed off on all documents that the service was satisfactory. 

A prior complaint was filed on this subject in XXXX to which Global responded with completely incorrect information and never responded to the documents provided by XXXX XXXX. XXXX XXXX hopes that this second complaint will be responded to accurately by Global Payments and that CFPB will do more than just " rubber stamp '' whatever Global Payments says.
Consumer complaint received 2022-08-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC (IA)

I have been working with the company XXXX XXXX XXXX since XX/XX/XXXX and have been making payments to them for help in repaying XXXX XXXX XXXX at a lower cost. 

On XX/XX/XXXX, a Cease and Desist letter was sent to XXXX XXXX on my behalf. I have attached the communication. 

After the letter was sent, I would receive emails from XXXX XXXX but no other communication. 

Around XXXX of XXXX, I started getting nonstop calls from XXXX XXXX requiring I contact them. They have also contacted my workplace, along with friends and family, repeatedly. 

On Monday, XXXX XXXX XXXX XXXX XXXX  sent a Notice of Legal Recourse to XXXX XXXX. 

As of today, XX/XX/XXXX, I am still receiving multiple phone calls. 

I am working with XXXX XXXX XXXX  to reduce the debt I owe and make sure that I am repaying what is owed. Harassing phone calls will not make me get money any faster it may cause me to lose my job and wages.
Consumer complaint received 2019-07-11
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: Experian Information Solutions Inc. (PA)

Dear EXPERIAN : I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly DELETE!! 

XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX   XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX XXXX   Inquiry Made : XX/XX/XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Made : XXXX XXXX, XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX XXXX Inquiry Made : XX/XX/XXXX XXXX
Consumer complaint received 2022-08-30
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. (FL)

Under regulations 523 ( a ) ( XXXX ). A willful and malicious injury under Section 523 ( a ) ( XXXX ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX has posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is 0 according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is 0? Read their validation letter Does the letter says 0 high balance? Then it is incorrect! Remove it! 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you Experian responsible to allowing this Malicious attack and you are an accomplice to this behavior As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Consumer complaint received 2022-08-30
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 — Problem with personal statement of dispute
Company: Credit Karma (IL)

My complaint is directed to XXXX XXXX XXXX Credit Card. 
On XXXX XXXX, I took a guarantee offer from XXXX XXXX, stating that my approval odds in applying for XXXX XXXX XXXX Credit Card is outstanding and that they will credit me a {$50.00} amount if I get denied. 
I understand that this ad or promo does not guarantee me of 100 % assurance since I have had a fair share of denials in the past while I was just starting to build my credit history. To this date, I have XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and just recently, a XXXX XXXX Credit Card. All of which had an eligibility screening. Meaning, I can only apply if I am eligible. 
The main problem I have with XXXX XXXX is the illogical reasoning for my denial, they stated that I AM NOT ELIGIBLE. That should only mean that I should have not received an offer, I should have not pass an initial screening process because again, I am not at all eligible. 
It is a false or misleading act that only causes a hard inquiry on my report. The process did not even take a couple of minutes because I AM NOT ELIGIBLE. It is nonsensical of them to invite customers then just turn us down because WE ARE NOT EVEN ELIGIBLE.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM A VICTIM OF IDENTITY THEFT ; I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE FRAUDULENT APARTMENTS RENTAL. THOSE FRAUD ACCOUNT NOT BELONG TO ME AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX WITH A BALANCE OF {$15000.00} IS A FRAUD COLLECTION ACCOUNT AND I NEVER LIVE THERE OR AUTHORIZED ANYONE TO USE MY IDENTITY FOR THEIS APARTMENT. 



XXXX XXXX XXXX OR XXXX XXXX AT XXXX XXXX WITH A BALANCE OF {$39000.00} IS A FRAUD COLLECTION ACCOUNT AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 



THANK YOU FOR YOUR HELP.
Consumer complaint received 2022-08-30
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. (MD)

XXXX XXXX XXXX has violated my privacy rights pursuant to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-08-30
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. (NC)

This is not a DUPLICATE report and this is not filed by a XXXX XXXX. 

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( XXXX ) ( E ) States ; 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.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681b ( a ) ( XXXX ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( XXXX ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2017-08-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo was hit again with XXXX in fraud accounts again. I received in the mail on XXXX/XXXX/XXXX a letter from Wells Fargo letting me know about my new account with them. I have attached the pages from the letter for you. I called Wells Fargo three times once on the 26th to tell them that is not me and they told me it is a fraud account. The fraud dept. will contact you on Monday. I called again on Tuesday because they did not call me on Monday and again I was told they are in the process and will contact you on Wednesday. I called Wells Fargo again on Thursday XXXX/XXXX/XXXX still not heard from anyone at the bank. Again Wells Fargo said sorry that they will contact me end of week. The first time I called they gave me a case number # XXXX. I am getting the run around with Wells Fargo and I believe because they are the one 's who opened up this account.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I sent a principal payment only check of {$5000.00} to Bank of America on XXXX/XXXX/2010. 
The " Principal Payment Only '' was written on the check. When I went to refinance last year, I checked on the payment and Bank of America never applied it correctly as I requested. I do not have a record of the check. The {$5000.00} payment was made XXXX day after the regular mortagage payment. Bank of America is stating without proof of the check stating it was a principal payment only, they can apply the payment as they wish.
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NV)

XX/XX/11 I reapplied for a home loan via GUARANTEE RATE. To save a property in closing/escrow XX/XX/11 from previous complaint XXXX. After making complaints of unprofessionalism and discrimination because I asked several times for options of down payment assistance program without response or guidance. Ive completed all and very task requested of me but this company has NOT return the same courtesy to me and now refuses to complete my application or respond to any of my email requests for over XXXX hours.
Consumer complaint received 2022-08-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC (MA)

On XX/XX/XXXX I had funds to pay my mortgage to the Amount of {$1300.00} credited to my shellpoint Account. I requested that these funds be applied to my XXXX mortgage payment. 

I was then informed that the funds to the amount of {$500.00}, had never been placed into the Shellpoint mortgage account for XXXX XXXX XXXX XXXX, MA Loan Number XXXX account. 

I was perplexed as the amount of {$500.00} had been wired in via a wire transfer on XX/XX/2022. The agent I was speaking on the phone was insisting that the monies were not there and were never wired in. On the bank statement from XXXX, and on the wire transfer receipt. It clearly shows the amount had been debited on XX/XX/2022. 

I then went on line and found that there was no record of the {$500.00} USD on the Documents and statements by Shellpoint. After signing off and going back online, the amount magically appeared. 

I then called Shellpoint and demanded that the funds be applied to my the XXXX Mortgage. The Agent on Shellpoint refused to apply the amount and stated it was not my money, when in fact it was wired into the account on my behalf, as witnessed by the Bank Manager at XXXX Bank on XXXX XXXX, XXXX XXXX on my behalf. 

As evidence that what I am saying is really true, I am submitting the PDF generated on XX/XX/2022 showing that there was no XXXX XXXX Dollars deposited on XX/XX/2022 and the subsequent about 20 minutes later on the Same day, after I spoke with their staff showing the XXXX dollars had actually been deposited on my behalf. 

There is no valid reason, as the funds were never returned, and if Shellpoint is not applying the funds and not returning funds this is Fraud. 

I would like you to intervene, and since Shellpoint, which is servicing XXXX XXXX, has already been investigated by the Department of Justice for similar behavior.