davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau, the date of the last letter was on XX/XX/XXXX and still got nothing from them. That means EXPERIAN has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$120000.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$3500.00} - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2500.00} - XXXXXXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00}-
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, I deposited checks in my Wells Fargo account. One from XXXX XXXX which was from MY business bank account ( check 3 ) and that one cleared with no issues. I have included the check image and screenshot from XXXX XXXX for verification. And another one from XXXX XXXX XXXXXXXX account which I am also an owner on. ( check XXXX ) This check XXXX bounced for whatever reason and no one knows why. Not XXXX nor Wells Fargo. I replaced that check with another on XX/XX/2022 from the SAME XXXX account ( check 1 ) and this one cleared with no issues. ( provided a screenshot of this from my XXXX account but unfortunately XXXX does not display the check image for me to attach ). Wells Fargo held these checks until they completely cleared. I was never issued any type of advance at all whatsoever. This is all my money. At first, I wanted to keep my account but now I never want to do business with Wells Fargo again after all this hassle so if they want to close my account, fine. But what I will not tolerate is horrible customer service and inaccuracies noted in my file by a team that refuse to do their job correctly. I went to a branch on XX/XX/XXXX or XXXX to withdraw all my funds and proceed with the close and the next day I get a call from someone in the risk dept saying that they cancelled all my abilities because they tried to verify the funds and " could not locate '' I was shocked, in a panic I called my banks and they said no such thing. What they did say was I needed to be on the line for them to verify so this was a COMPLETE LIE by Wells Fargo that they could " not locate '' my account!! Why would someone from Wells Fargo 's risk department just lie like that? Why not tell me the truth and then have me on the line to verify right then and there as the other banks said they needed to do? Completely shady business practices! I finally got in touch with someone who would listened and he called both banks on the line with me and was able to successfully verify both banks and checks and he noted this in case number XXXX. His name was XXXX. This was the only time I experienced decent customer service from anyone at the risk department. Even he was completely perplexed as to why other case notes on my account said " could not locate ''. Well Fargo 's risk department agents, most that I've spoken to are awful and either outright liars or completely disorganized and causing harm to people for no reason. If anyone from the risk department actually took time and care to verify my accounts, it wouldn't have been blocked further or it shouldn't have been!! Wells Fargo didn't do their job appropriately so I shouldn't be punished for their reps mistakes or errors, or LIES! These are very obvious abuse of power tactics by Wells Fargo. I have every right to my funds at anytime that I want.
Consumer complaint received 2022-02-16
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. (PA)

XXXX XXXX {$230.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-16
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-06-14
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. (TX)

Our mortgage company is stating that since the state I reside in was deemed as a federal disaster in XX/XX/2021 that FEMA required ALL mortgage companies to report to credit bureaus for anyone with a mortgage that they needed financial assistance to pay mortgages even if they did not need help. We did not need help and told the mortgage company that. As a matter of fact, our payments were made in advance of the Texas Winter Storm. According to Experian, our mortgage company reported that we were in a loan modification because of the federal disaster and they refuse to report that our payments were made on time for XXXX, XXXX and XXXX of XXXX Credit reports for myself and husband are showing NO DATA REPORTED for those months. Mortgage company advised me this morning that the reported information would not be corrected because that is how FEMA told them it had to be reported. We were NOT under a forbearance or loan modification and all payments were made on time. Even though the no data reporting does not neccesarily hurt our FICO score, it doesnt help it and we arent getting the credit for those payments that are being made. We've had this problem with this company before and their sister company as well. It is frustrating and want it to be corrected and reported accurately. Thank you.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Service Finance Holdings, LLC (MI)

My name is XXXX XXXX XXXX XXXX and I have a loan with SERVICE FINANCE COMPAN with the account number XXXX and I noticed the inaccuracies and error displaying on this account. The payment history is not making any sense. The 120 days late which was tagged in different months was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, I was charged with the second overdraft fee I would receive within the past two weeks. This fee, however, is unjustified and I am willing to escalate this as far as it will go, before ceasing my business with this banking entity, Bank of America I have spoken with a representative who informed me that because of a supposed charge into the negative on my account of around {$3.00}, I was charged yet another {$35.00} which he could not reverse. The issue is that at no point did my balance enter the negative, I had deposited the appropriate amount before withdrawal. I have screenshots of this. Aside from this, the company which I used to withdraw the funds from my BOFA account will NOT allow a withdrawal if it would put the funding account into a negative balance. I have proof of this as well In a matter of weeks, Bank of America is supposed to drop or severely reduce the exorbitant amount that they charge for pennies into the negative, and in some cases, not even negative at all. I want only for the fee to be reversed, and I will speak with whoever I can to either resolve this issue in that manner, or to resign my business from their institution with contempt As a 'valued ' customer since XXXX, who has had very few issues with overdraft fees prior to this incident, I wish to solve this as respectfully and swiftly as possible, but this is far beyond unacceptable, and if the lawsuits that are being brought against BOFA hold any water, I'd say I'm not alone
Consumer complaint received 2022-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

In XXXX my mortgage was bought by Mr Cooper/ Nationstar. Well I had an issue with my payment going up. No one could tell me why it did. I asked to refinance in which they said I couldnt until I went into foreclosure. That was in XXXX and XXXX of XXXX. Well about a year later the mortgage modification they forced me into was settled. Now in XXXX of XXXX they are saying that I missed a payment. My bank records show that the payment came out of my account to them. I noticed this in XXXX of XXXX. I have submitted screen shots of my bank payment and even sent them pictures of my bank statements from XXXX. I am getting tired of waiting for them to fix this, any help in this matter would be appreciated. I feel like someone stole my payment and put it in their bank account.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-06
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MI)

Tried making my payment today XX/XX/2022 with XXXX, first he answered in some language I didn't understand. Then came back in English. I asked him why my bill was so high and he informed me of my promotions and or deferred interest being added. I said no, I want to escalate this to your supervisor. Asked him 3x and then he went silent and hung up on me. Im trying to make a payment onetime like usual AND figure out why my bill jumped so high. I got neither today. 

I am not calling back to deal with another customer service rep like this. This is ridiculous, I pay on time every time and have!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I need XXXX deleted from my credit report Opened XX/XX/XXXX XXXX {$12000.00}. XXXX has violated my rights by violating the consent order. Below is the aritcle I also have attached the case involving this Settlement the Bureua of Consumer Finacial Protection has won how can XXXX continue to ruin consumers credit reports Delete this account immediatley. Also According to XXXX XXXX XXXX XXXX XXXX is supposed to ensure MAXIMUM ACCURACY. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. I also want all payment history to be updated to paid as agreed for XXXX  XXXX account Open XX/XX/XXXX I have no recollection of ever being late 150 days Deliquent XX/XX/XXXX or any other time also same for XXXX XXXX XXXX XXXX shows late 30 days but all with different dates XXXX and equifax say XX/XX/XXXX XXXX says XX/XX/XXXX remove late and show account as paid as agreed immeditaley.

Bureau of Consumer Financial Protection Settles with XXXX XXXX XXXX XXXX. 
Company Did Not Properly Disclose Terms and Conditions of Its Auto Loan Add-On Product and Auto Loan Extensions XX/XX/XXXX XXXX, D.C. Today the Bureau of Consumer Financial Protection ( Bureau ) announced a settlement with XXXX XXXX XXXX XXXX XXXX a consumer financial services company based in XXXX, Texas. 

As described in the consent order, the Bureau found that XXXX violated the Consumer Financial Protection Act of XXXX by not properly describing the benefits and limitations of its XXXX XXXX product, which it offered as an add-on to its auto loan products. XXXX also failed to properly disclose the impact on consumers of obtaining a loan extension, including by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments. 

Under the terms of the consent order, XXXX must, among other provisions, provide approximately {$9.00} XXXX in restitution to certain consumers who purchased the add-on product, clearly and prominently disclose the terms of its loan extensions and the add-on product, and pay a {$2.00} XXXX civil money penalty. 
I have attached a copy of my Credit Report also to show Date of Last Activity for XXXX is even reporting inaccuratley on all XXXX credit bureaus to further show that XXXX XXXX has not been provided which is a FCRA Violation also the XXXX XXXX XXXX XXXX XXXX 30 days deliquiency in separate months on all XXXX credit bureaus XX/XX/XXXX XXXX Equifax and XX/XX/XXXX XXXX update immediatley and remove deliquency another Violation FCRA disputed before came back as verified how can that be with all these inaccuracies.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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  is a financial institution by definition under that title. 

please provide the consumer the accounts that these inquiries are connected to. With signed documentation and NO E-OSCAR VERICATION. 

1681 section 604 ( a ) section 2 states that " In general 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. 

The financial institution and the consumer Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent Equifax whether it be non-verbal, verbal, written, implied or otherwise revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. 

According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX and Equifax are consumer reporting agencies and I am the consumer. 

see attachments for identification
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

On XX/XX/XXXX, Mohela transitioned to a different online platform. Mohela forget to bring records of my 2 previous payments to the new platform. On XX/XX/XXXX, I had brought this to their attention, but they don't have any records of this or acknowledge it at all. I have both transactions of my student loan payments from XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. It also seems like they are restarting my loan from the beginning.
Consumer complaint received 2023-01-13
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. (IN)

In accordance with the fair credit reporting act this creditor has violated my rights under 15-USC1681 section 602 it states I have the right to privacy. USC1681 604 section 2 states consumer report agencies can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes. Please remove. 

On the XXXX XXXX I want the late removed and closed account On the XXXX XXXX XXXX XXXX XXXX one They all said it would be soft inquires on my report and they were all hard. I want them removed