davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (AZ)

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 XXXXXXXX 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 2022-12-16
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. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde open end consumer credit plan as late for-Purpose
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on SOUTHWEST CREDIT SYSTE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Disputed previously with Trans Union COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed XXXX Originator
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account unde open end consumer credit plan as late for-Purpose
Consumer complaint received 2022-03-29
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. (SC)

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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-11-12
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. (TX)

I XXXX XXXX have contacted the following bureaus now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits, and police reports. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 


Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft Account XXXX XXXX ( {$34000.00} ) XXXX XXXX XXXX XXXX, OR XXXX Date Opened : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.
Consumer complaint received 2021-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.
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. (GA)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2022-03-29
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. (SC)

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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (FL)

Accordance with the Fair Credit Reporting Act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX MG CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU 100000 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 instructions.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 I opened a Yield Pledge Checking account after coming across an offer for {$150.00} with direct deposit. The terms of the promotion state that a {$150.00} promotional bonus will be deposited to the account after openeing the account with promo code XXXX, funding the account with {$5000.00} ( completed on XX/XX/18 ) and a direct deposit of {$1000.00} or more within 90 days ( Completed on XX/XX/18 and XX/XX/18 ). I have completed all the rquired steps for this promotional bonus and I have not yet received the bonus. 

After speaking with TIAA bank, they are disorganized and no customer service rep has been able to tell me why I did not receive the offer.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance 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 #, and I'm including it again. Please update or correct the following items from my report immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-27
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Zillow Group Inc. (SC)

Zillow provides an automated rate table quoting system that allows consumers to instantly receive rate quotes based upon the scenario they enter that Zillow then rank orders on the page by APR. 

Zillow is aware and has been for many months that some lenders are gaming the system by reporting inaccurate APR 's on VA loans for the purpose of appearing at the top of the rank ordered lenders, when the APR quoted is not valid. This harms veterans applying for VA loans by falsely leading them to believe that the lender at the top of the page is the best offer when they clearly are not. 

The page view I am attaching shows five lenders quoting a 2.250 % VA 30-year fixed mortgage offering. The three lenders at the bottom of the page quoting a 2.421 % are accurate. The two above them showing a 2.410 % APR and a 2.420 % APR are not. 

You don't need to be an APR rocket scientist to understand a 2.250 % rate with {$520.00} in APR related origination fees in addition to the VA funding fee can not have an APR that is lower than a 2.250 % rate with {$0.00} APR related fee or a lender credit other than VA funding fee.

I brought this to Zillow 's attention months ago and have followed up with them since I first notified them that they were allowing false APR 's to be quoted by lenders to game their system and they have not addressed the issue.
Consumer complaint received 2024-02-16
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: Experian Information Solutions Inc. (NY)

Subject : Urgent Request Regarding Identity Theft Investigation I am writing to express my extreme frustration and disappointment regarding the handling of my identity theft case. In XXXX 2022, someone fraudulently used my personal information to make a purchase from XXXX XXXX XXXX Despite my repeated attempts to resolve this issue with both XXXX and your bureau, I have yet to receive a comprehensive report of the investigation conducted. 

As a result of this identity theft, I have accrued approximately {$500.00} in interest fees for purchases I never made. This situation has caused me significant stress and XXXX, and the financial burden is substantial for me to bear responsibility for purchases I did not authorize. 

XXXX directed me to file a police report, which I promptly did and submitted to your bureau as requested. However, I have not received any detailed investigation findings from you, apart from the generic response stating that my purchases were deemed non-fraudulent. 

I implore you to understand the gravity of this situation and the toll it has taken on my life. The lack of transparency and urgency in resolving this matter has only exacerbated my distress. I urge you to conduct a thorough investigation into the identity theft case and provide me with a detailed report of your findings promptly. 

I appreciate your immediate attention to this matter and expect a timely resolution. Your cooperation in rectifying this issue and alleviating my pain and frustration is greatly appreciated.
Consumer complaint received 2023-06-01
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. (FL)

I reviewed my Consumer Reports and noticed that I had XXXX  late payments on an account that I was never late for and 5 months of charge off reporting. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX continuously violate my rights. Experian violated law 15 usc 1681g, by not notifying me of reinsertion in writting within 5 days of reinserting this item on my credit report, They both are in violation of section 611 law 15 usc 1681 ( i ) by not notifying me of my investigation results within 30 days and not provding an adequate investigation, They sent me an old statement from the alleged account and as claim that as the proof that I opended the account, that is not adequate enough proof. Based of this I demand that this account be removed for gross violation of the fcra.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

I am a Realtor of 30 years and my family was severely impacted when the financial markets collapsed in XX/XX/XXXX. Since that time our family had to file bankruptcy to save our house because we could not get Wells Fargo to approve a mortgage modification. As a result of that filing, and without a mortgage modification we had to reinstate our loan for our primary residence by pulling a large amount of money out of our retirement account. Our bankruptcy was filed XX/XX/XXXX and discharged XX/XX/XXXX. Our primary residence is still carrying a 6 % loan, as we have been unable to refinance due to the neighborhood values and most importantly the mortgage was sold through the secondary money market. In addition, due to a lawsuit we had to file against XXXX to secure a modification for an investment property we are being told by the banking community our loan modification is seen as a short sale. So with the combination of a secondary market loan product and short sale we are still unable to refinance our family home. Why is our family being discriminated and penalized against obtaining a refinance on our primary residence residence when not one banker has been held accountable for the financial collapse of this country? This is pathetic!
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NV)

1099-C has been filed sent to IRS along with Ally Auto and a cease and desist letter. This information has also been sent to XXXX and they still report on my credit and this account information has been incorrect numerous times and Ally Auto has already been sued for FRAUD.
Consumer complaint received 2022-12-16
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. (MI)

I reviewed my Consumer Reports and noticed that I had 24 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reported late payments on my credit all different in each credit bureau when they had already received payment from XXXX and the vehicle had been in an accident and was a total loss. They are careless and till reported payments late when XXXX had already sent them a pay off for my vehicle.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Experian continues to claim that XXXX XXXX XXXX and 3 other errenous creditors on my credit report have verified they are reporting accurate information. As the consumer/debotor I asked for the proof they provided to experian and was told they just were allowed to verify the false information they were already reporting. I asked for physical verification over 60 days from the direct creditor that they could not provide. me with any documentary proof. Moreover, I provided physical documentary proof that XXXX XXXX had my address for the account attached to a buisinesses XXXX XXXX XXXX. They removed the address and still claimed the XXXX XXXX verfied the reporting? That cant be true when the address attached to the credit account was removed by them for being incorrect. I expressly wrote to Experian to Cease and desist contacting these errenous creditors to dispute the debt on my behalf and they keep disputing it and allowing the verify false information, instead of adhering to the law based on my valdations requests under the FCRA Fair Debt Laws and remove these false reporting accounts.
Consumer complaint received 2021-11-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

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

The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2015-05-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo, XXXX Iowa XXXX. 
Opened bank account. 
The clerk and did not let me read any of the documents because they were on her computer screen and are only printed after you sign. 
I did not receive adequate explanation about fees, ended up closing the account which involved standing in line again and a waste of time. 
When closing the account I asked why was n't I notified about the fee details or allowed to read the paperwork and was told that it is a nationwide bank policy.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (NJ)

I have a Health Savings Account ( HSA ) with Optum XXXX On XX/XX/2022 I received a reimbursement check from my medical insurance company that I had used my HSA to pay for. Understanding that money taken out of my HSA must only be used for medical expenses I called Optum XXXX  to ask how I could deposit the refund into my account. The first woman I spoke with advised me that I should just deposit the money into my personal account and keep it. I advised her this would be fraud, and only then did she give me a XXXX XXXX XXXX mail a personal check to. On that same day ( XX/XX/2022 ) I mailed a personal check for the total amount of {$320.00} to Optum XXXX XXXX claim department : ( Attn : Claims Department, XXXX XXXX XXXX XXXX, FL XXXX ). The check was not cashed until XX/XX/2022. After the check was cashed I continued to wait for the funds to show up in my HSA. It wasn't until XX/XX/2022 that {$200.00} showed up in my account. I have called Optum XXXX at least 6 times regarding this matter. I have attempted to use their " callback '' option on at least two other occasions and never received a return call. I would like to know where the {$120.00} is. No one can locate that money and Optum XXXX does not seem to care.