davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (NC)

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXX XXXX WAY XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX  XXXX  XXXX Balance XXXX {$0.00}, which were UNKNOWN to me . I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
Consumer complaint received 2022-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

WELLSFARGO IS WORST BANK! HAVE BEEN SUBMITTING PAPERWORK SINCE XXXX STARTED A NEW BUSINESS, SEE LETTER, CHILD SUPPORT PULLED FROM WEBSITE XXXX! CALLED TODAY AND STILL NEED INFORMATION! HAVE MY COUSIN HELPING AND STILL CAN NOT GET ANYTHING DONE! THIS IS PLAIN " HARRASMANET, DISCRIMINATION AND FRAUDULENT BANK '' WORST EVER! ONLY OWE {$70000.00} HOUSE WORTH {$350000.00} SO KNOW WELLSFARGO WANT TO SELL IT! NEED TO PUT IN FEDERAL COURT IS NEXT STEP AND GO PUBLIC! SAME PAPERWORK ALWAYS FAXING AND THE SAME ISSUE! WORST CORRUPT BANK! AND ASKING FOR TAX RETURNS TOLD CORRUPT WELLSFARGO WAS TERMINATED FROM A XXXX XXXX XXXX XXXX WILL BE NO TAXES AND IF HAD INCOME DO NOT NEED TO FILE IF UNDER IRS THRESHOLD! IVE SEND " LETTER OF EXPLANATIONS '' AGAIN ITS IS HARRASMENT AND DISCRIMINATION!
Consumer complaint received 2022-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : SELF EMPLOYED Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : 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 XX/XX/XXXX
Consumer complaint received 2022-07-26
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. (IL)

I'm really upset at how my credit report is being handled. I've sent out a couple of dispute letters to resolve my issue. I did not receive the signed contract I asked for from all three bureaus. Due to the FCRA, if the original contract is not produce the account must be deleted immediately. 
In 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 famish an account without my written instructions
Consumer complaint received 2018-11-16
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. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. Bankruptcy Chapter XXXX-dismissed, XXXX : XXXX.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I subscribe to Transunion credit monitoring service. It displays incorrect length of my credit history : it shows 17 years instead of 34 years. It also shows a much lower credit score for me than what other credit agencies show since they have the correct length of credit. Since the credit score takes into account length of credit history, I need Transunion to correct the length of my credit history information. I tried contacting them multiple times, and so far they have refused to make the correction claiming that the information can not be changed.
Consumer complaint received 2022-07-12
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. (FL)

XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXXXXXX  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 an account without my written instructions.
Consumer complaint received 2022-07-12
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. (OH)

XXXX XXXX XXXX XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-26
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 am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. This account is unknown to me. Also, the information you provided on some account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-09-23
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. (TX)

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.
Consumer complaint received 2022-07-12
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 an account without my written instructions.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On my background checks there is an address listed as mybown that I have never lived at. It is an old address from my ex-husband and I didnt even now him when he lived there. I would like it removed from my personal info. It is listed as XXXX XXXX XXXX, XXXX PA XXXX.
Consumer complaint received 2022-07-26
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-08-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have and account with bank of America with last four numbers ending in XXXX on my credit file which was included in the process of debt consolidation with XXXX XXXX, the company got into a settlement amount with bank of America and I made payments for 48 months on this account until the negotiated amount was paid in full, however bank of America keeps reporting this account late and past due in the amount of XXXX dollars which is incorrect, balance should be XXXX and debt paid in full for negotiated amount, when calling bank of America they acknowledge receiving payments ( including one last payment in XX/XX/2018 for XXXX ) but they are neglecting their duty of reporting this to my credit reports causing my credit score to remain low and the adverse effects of having both an incorrect status and incorrect balance, please help me to correct this mistake
Consumer complaint received 2022-07-26
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. (FL)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-23
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GCFS, INC. (CA)

This is a follow-up to the initial complaint I submitted in regard to the debt collection agency by the name of GCFS , INC . The California State Attorney General determined that any loans given out by XXXX XXXX were illegal. Therefore, the debts do NOT have to be paid back.XXXX XXXX was a predatory lender giving out illegal loans to people who they knew who default on the loans. GCFS, INC bought the loan from XXXX XXXX and they have been harassing me for over 10 years now! GCFS, INC has obtained judgment against me in the amount of {$7700.00}. Although the loan I took out back in 2006 was only for {$2600.00}, not only that, but I paid on the loan for 1 year which means I paid off 50 % of the loan, if you deduct all of the ridiculous interest rates XXXX XXXX imposed on its victims. It is ILLEGAL for GCFS, INC to continue to pursue me to collect a debt that was ILLEGAL to begin with! I am also contacting my state attorney General 's office and submitting a complaint against GCSF, INC.
Consumer complaint received 2022-07-26
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. (FL)

In accordance with the Fair Credit Reporting Act 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 an account without my written instruction.
Consumer complaint received 2018-11-15
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. (ID)

I send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-07-26
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: TD BANK US HOLDING COMPANY (GA)

I reached out to the following companies regarding these inquiries that I did not create on my own. Nor did I give anyone authority to create appeared on my credit report and I contacted them individually to have them removed and they have not been removed as of yet. 

TD AUTO FINANCE ( Finance ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX Auto ) XX/XX/2022 XXXX  XXXX ( Bank ) XX/XX/XXXX. XXXX
Consumer complaint received 2022-07-26
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)

Bank info XXXX XXXX XXXX Situation I had had bank fraud on this account in the past and was refunded approximately {$300.00} The account was being reset and although I was told over the phone that the card is working, I, in turn, used at a grocery outlet to make sure. 

It worked THE BAD BEGINS Next situation is that I received a text to verify XXXX XXXX. Although I dont have XXXX XXXX, I remember that was one of the fraud accounts before so I checked my account for proper balance. 

This is what I was told : Balance was lower by XXXX. 
I asked how, as that my last transaction was " grocery outlet. '' They told me I had a XXXX transfer out And then returned to my account around XXXX XXXX Then another tranfer ( the one bad one ) late XXXX about the XXXX. I did nether and didnt recognize bank last 4 digits transferred to. 

I doubled checked my other bank accounts, thinking maybe I didnt remember. 


As they were verifying me, they found a Wrong email, address, and phone number. 

I told them it wasnt me that transfer and they transferred me to an operation to delete that saved banking institute. 

I challenged the XXXX transfer. 
Got.Letter declined. 
I reopened claim over the phone. 
Called the next week, ( they said it was never reopened ) I told them to reopen. 
Called a week later and they said it was closed again ( declined ) I asked them how that was possible for details.they said they couldnt give me any. They said if I had any more info, I could fax or mail. 

More info I looked at t my transfers in past. ( thinking i may have been out another XXXX ) They make it look like the XXXX transferred out ( I had a XXXX  XXXX legitimate one a couple years ago ) I called XXXX and they said they dont charge back to prepaid debit and they have had trouble with Bank of America for years and a mystery to them why the confusion. 


Conclusion Although they quickly resolved my past XXXX XXXXXXXX fraud, this one was poorly handled and investigated. In addition they dont provide you with information to make it easier, or the to complaint up the chain of command. 

I reached out to the government regulatory agency/agencies/ as a result and hope to have a speedy resolution. 

BofA has had a bad reputation and is very concerting to me and many others ( as I can assume this is not an isolated case with myself ) {$3000.00} is a sizable amount and should have major concern. 
Please feel free to contact me at any time to answer any questions or concern. 

XXXX XXXX XXXX
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (AZ)

I purchased furniture from a local store chain called XXXX XXXX. They offered/partnered with a lender for financing called koalafi. They store rep told me that the loan is interest free for the first 90 days then is interest bearing thereafter. I planned to pay off the {$4000.00} balance by then so it wasnt a concern of mine. They did not go into any further details about how the loan works. In my mind, traditional situations like this are common and there isnt anything fishy or catch that would make this worse than it appears. It was I wrong. When I signed documents, its through docusign just like many other set overs these days. Click a button and it skips to the end of the contract to sign. My fault for not reading it but when I get to the catch they erroneously didnt mention, the fundamental approach of this loan is predatory. Ok the terms of the contract as I understood them are that they will deduct {$270.00} biweekly. After 90 days the loan becomes interest bearing. I made an additional {$1000.00} payment during these 90 days to bring the payoff amount down to something more manageable by the time I get to the 90 days. These payments are automatic. I dont have to login to a portal or call to make the payments. I login to the portal to get my payoff balance on XXXX as I planned on paying it off and the balance not only was around the {$1300.00} it should have been around, the balance increased higher than the purchase price of {$4000.00}! ( It was around {$5500.00} payoff ). I checked the contract and after the XXXX payment, the balance automatically increases to this figure regardless of whatever the balance was previously prior to the 90 days. Bear in mind that the 90 day period ended on XXXX so I was 2 days late. So the {$2600.00} I paid up till that point went nowhere. As again, the balance increases to XXXX and is interest bearing with the same payment and schedule at 24 %. If I continued paying it on schedule the total amount paid for a couch and love seat would have been over {$13000.00}! I was able to get them to honor the original payoff amount after I raised XXXX with the rep and supervisor. They charged me 5 % of the original financed amount for the 2 days late and another 3 % of the payment amount in order to process the card payment outside the regular payment schedule. Fees fees fees. My payoff increased from XXXX to XXXX For anyone else that doesnt have the capacity to drop {$2000.00} to pay off the furniture, theyll have to get screwed by these guys and waste a ton of money or will end up in collections. This is a terrible loan, aiming to take advantage of people and definitely matches up to predatory lending.
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

They keep misapplying escrow payments. Anytime an adjustment needs to be made for escrow, I pay the adjustment rather than having the payment change. Their attempt to correct the situation changed my payment from {$810.00} to {$880.00}. This is happening monthly and I wonder how many other people this is happening to because the person posting the payment has no clue what they are doing.