davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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)

On XX/XX/XXXX, called Experian spoke with XXXX in Fraud Department saying received letter on XX/XX/XXXX for same dispute reasons with XXXX XXXX and nothing done. Letter for 2nd request sent XX/XX/XXXX certified mail from USPS and XXXX says not received. Told XXXX that it was sent certified on XX/XX/XXXX ( see enclosed proof and documents ) and it has been over 2 weeks ago and yet " nothing has been done '' again! Informed XXXX at Experian that I will complain to CFPB today on XX/XX/XXXX. 

Furthermore, the Credit Bureaus, Experian and XXXX never did and failed to do a proper Investigation according to FCRA.

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/she is acquainted or who may have knowledge concerning any such items of information.

They did not do this! 

Also, they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investigated but how is that possible if the account type date, high credit, credit limit, last reported, date last active, date last payment and reporting history ( see enclosed report pulled XX/XX/XXXX vs. prior XX/XX/XXXX reported ) still show the same incorrect and inaccurate information!!!! This is grounds for REMOVAL! 

They also violated the law because according to, 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

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 which was violated.

15 U.S.C. 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

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.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( III ). The law clearly states that if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Also, Experian took more than 30 days to complete my investigation, so here is attached proof of my certified mail tracking # XXXX from USPS and enclosed.
Consumer complaint received 2022-06-14
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. (TX)

CFPB Write up In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX  - account # XXXX XXXX XXXX  - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX 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 2018-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I, XXXX XXXX, took out a Home Equity Loan with XXXX XXXX who sold it to Wells Fargo in XX/XX/XXXX, in XX/XX/XXXX, Wells Fargo started to make it very difficult to make a payment of {$580.00}. and would take 2 weeks to post, I contacted Wells Fargo XX/XX/XXXX and XX/XX/XXXX for a copy of the loan documents which I was told in the mail yet never received. I began to notice that my payment was being applied towards unapplied or other charges and inspection fees, I sent in multiple payments in excess of {$1000.00}. and still were not applied. Our divorce Judge XXXX and 2 Attorneys stated loan was toxic as it was our largest asset. I retained an attorney when my ex wife XXXX XXXX XXXX and I were served foreclosure papers. The documents attached were not the documents I signed at the dining room table with only a notary present, in XX/XX/XXXX our attorney was suspended and Wells Fargo swooped in and while Wells Fargo was in contempt and a substitute Judge XXXX did not honor the motion for a 1 hour trial, denied continuance due to tired of attorney suspended excuse ( 3 attorneys were suspended ) and I could not retrieve file box until 3 days prior to hearing and ruled in favor of Wells Fargo who added an erroneous escrow account in the amount of {$67000.00}. I paid cash for the property in XX/XX/XXXX and the loan to value was so low I had an escrow waiver. XXXX XXXX, XXXX did not file an appeal or provide court reporter I requested and paid for. I overpaid Wells Fargo {$15000.00}. the year they foreclosed and provided proof all escrowed items were paid and filed all proof of payments and statements at XXXX   case # XXXX XXXX XXXX, the statements showed a {$42000.00}. escrow overage however after filing for bankruptcy in order to buy time and paying {$27000.00}. In monthly payments, a hearing was held due to Trustee not posting a payment and XXXX XXXX XXXX, XXXX XXXX, XXXX did not show up and were later told he no longer worked there and the Judge XXXX XXXX said to just re file form after I showed proof of payment. I inadvertently filed the wrong form and Wells Fargo is now AUCTIONING my property of 21 years on XX/XX/XXXX with starting bid of {$330000.00}. and changed loan servicer plus added more fees, I am a XXXX year old veteran who will be out on the street when I paid for everything and proved it plus my XXXX daughter and XXXX adults have no where to go after ex wife and I spent everything {$120000.00}. In legal fees knowing we did all the right things, never had a problem before and We paid Wells Fargo, they refused to acknowledge this, never tried modifications as stated, changed court documents after judge signed and are stealing our home.
Consumer complaint received 2018-04-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

In XX/XX/XXXX I set up automatic payments on a citizens bank heloc I have. The system took 2 payments in XX/XX/XXXX and did not take a payment in XX/XX/XXXX. When I received my XX/XX/XXXX statement from citizens bank it showed no payment taken. I called customer service and they advised they would fix the problem and reflect one of the two payments made in XX/XX/XXXX as a XX/XX/XXXX payment. Several days later I received a letter from citizens bank collection department dated XX/XX/XXXX. To summarize since i received that letter I have spent more than five hours on the phone with citizens bank customer service receiving totally conflicting information about my loan payments. I have received conflicting emails from citizens bank about my payments. They have now advised they see a payment to someone else 's account ( giving me the name of that other customer of theirs ) taken from my checking account at XXXX XXXX. XXXX XXXX confirms the money was drawn from my account and paid to citizens bank and it was a PHONE payment. I made no such payment. 

XXXX XXXX from citizens bank addressed the problem to me on the phone yesterday morning by saying they see no such record of that payment and to " prove '' to them the payment was taken from my checking account. I informed her they don't see the payment because it went to someone elses account. I have an email confirmation of the payment from citizens bank being applied to an account that is not mine. 
XXXX XXXX further advised that if I made a complaint to the cfpb it would " just come back to her '' which I view as an attempt to discourage me from making the complaint. 
Citizens bank help with this problem has been utterly incompetent and outright arrogant and smug. I would like them to confirm I'm set up for automatic monthly payments and that they have corrected the payment made to somebody else 's account. So far, they have done neither of those things. Given their contradictory customer service information and refusal to straighten out the payment taken from me and credited to somebody else 's account I am deeply concerned about this home equity lender and my account. Customer service has been nothing of that sort ( service ) and contradictory and confusing. I would recommend others be cautious with this lender because I have been given nothing but problems in the more than five hours I have had to spend trying to just make my payments and get confirmation that future payments are set up. They have also now taken money from my checking account with no authorization from me whatsoever to pay someone's ( who I do not know ) account and they have refused to correct that grievous error. By the way, the amount incorrectly taken to pay another customers loan is {$140.00}. I called my XXXX XXXX to advise that is an unauthorized payment. XXXX has credited my account but now I have to fill out a claim form with them and they have to address it with Citizens Bank.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (MD)

A checking account was opened with Discover in my name despite having a security freeze in place with all three credit bureaus. Discover stated the account will be closed. I have since placed a freeze with XXXX to prevent future fraudulent bank accounts. When I initially had my identity stolen a few years ago, I was not made aware of this additional site to freeze, and did not realize that banks don't use the credit bureaus for checking accounts.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Tranunion refuses to report up to date balances and account status of my report. I have contacted them, multiple times, letting them know that the balance that they are reporting and the late payments are incorrect but they do nothing about it and it is a pure violation of my rights as a consumer.
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX I went with a family member to Chase Bank as my witness on closing my Chase Checking Account, but Chase Bank Rep.stated that I have a debt of {$2000.00}. 
I notice there is over {$1000.00} on overdraft fees and other fees. 

Respectfully, I like to close my account immediately and If I have authorize charges with purchases from any retails Store, etc., than Chase Bank has to provide me evidence of purchases. 
Also provide evidence of my hand written signatures of purchases that I made at Retails or Shopping places, etc. 
If I owed less than {$1000.00} to Chase Bank than like to have a payment arrangement of around {$50.00} a month until charges is paid. 
I am going through a financial hardship setbacks because of my employment has cut my Daily hours and soon my employment will be terminated as my employer is downsizing on work force. 
I have been employed for my company for over thirty years and now I am facing a loss of employment.
Consumer complaint received 2022-06-14
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. (TX)

CFPB Write up In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  - account # XXXX XXXX - account # XXXX XXXX XXXX - account # XXXX XXXX - account # XXXX XXXX XXXX - account XXXX XXXX XXXX XXXX XXXX - account # XXXX 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 2022-02-09
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)

Experian allows XXXX XXXX / XXXX to illegally furnish/ report negatively impacting my credit score. Please see attached of XXXX XXXX admitting to charging a closed account. please see attach photo proof that the account was deleted previously.
Consumer complaint received 2022-06-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 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 furnish a account without my written instructions
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IN)

In XXXX of 2022, I used XXXX as the payment source for " XXXX  '', the XXXX, XXXX public transportation app. As the payment backing in XXXX, I used my personal Chase credit card. I used the " hvv '' app to buy subway and bus tickets for transportation. The seller for this service shows up in XXXX as " XXXX XXXX XXXX XXXX '' and on my credit card as " XXXX XXXX ''. The billing code that XXXX used to charge Chase is processed by Chase as a cash advance. This accounting error by Chase resulted in a {$10.00} cash advance fee for each ticket purchased. In the end, I was charged {$150.00} to buy public transportation tickets via XXXX ( the funding source of which was my Chase credit card ). 

Chase was unwilling to refund the cash advance fees regardless of evidence to show - through paypal receipts - that these charges were for public transportation tickets. I spent an entire afternoon trying to sort this out with Chase to no avail.
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

This is my final attempt at communicating with your offices. In Exhibit B you will find a copy of the letter I received from national credit adjust dated XX/XX/2020. 
I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copy from the Affidavit attached ) ************
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I received a bank statement in the mail on XX/XX/2021 from TD Bank for statement period of XX/XX/2021 to XX/XX/2021. The statement had information about how their overdraft fees work and an account summary of the checking account. I immediately called TD and reported this as a fraudulent account. The representative from TD 's XXXX department closed this XXXX account and the subsequent XXXX account.
Consumer complaint received 2020-01-30
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: Klarna AB (CA)

Applied for personal loans through XXXX XXXX and/or other credit XXXX apps for free rates/quotes without a hard inquiry. Not approved for hard inquiry and must be removed immediately.
Consumer complaint received 2017-03-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy sent to me per credit law. Otherwise please have it removed upon receipt of this official notice. This is something that was randomly attached and Now I must suffer with it. Please have this removed.
Consumer complaint received 2022-06-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX 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 furnish a account without my written instructions
Consumer complaint received 2019-03-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (GA)

This email was sent XX/XX/XXXX.. 
Good Day, I am EXTREMELY upset with the way my issue is being handled, as a customer it makes NO SENSE to be violated by a thief as well as Western Union.!!! 
I purchased XXXX money orders totalling {$600.00} that were stolen. I immediately called to have them flagged or canceled. 
I was told I have to pay a NON REFUNDABLE fee of {$60.00} to have a trace put on them which may take up to 120 days. 
I am in NO WAY fortunate enough to be able to afford this amount let alone WAIT 120 days for a resolution, this was part of my rent money. 
It seems as though your policy benefits the crooks and not your customers. It provides the crooks with enough time to cash & spend MY HARD EARN MONEY..!!! It should not cost me MORE money that I dont have to track down these money orders or who spent them and where.!!! 
I am looking forward to speaking with someone in your Corporate Office in search of a better solution to avoid involving attorney 's & reaching out to the XXXX as well as the media. THIS IS EXTREMELY UNFAIR Money Order Info : XXXX XXXX On XX/XX/XXXX I submitted the the Money Order Research Request form. On XX/XX/XXXX the stolen money orders were cashed. On XX/XX/XXXX I recieved in the mail a photo copy of a cashed money order for {$100.00}, however I paid to have the {$500.00} money order traced ... Customer Service is outsourced to the XXXX and even they are very rude & unhelpful
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IN)

I had interest charged to my account after I paid the full amount due, after which a {$1.00} interest charge was added to my account, unbeknownst to me. As such, when the next billing cycle came around that {$1.00} was still due, thus taking it over the 30 day mark and the Target Card Corp. reported that to all three credit bureaus. They reported it initially as {$100.00} past due, then it changed to {$1.00} past due. I filed a dispute with XXXX and the result was Target Card updated the late amount to {$28.00}. If they MUST report it, the correct amount should be reflected which is the {$1.00} interest charge. 

I think it should be against reporting policy to report any amount under {$100.00}, this {$1.00} reporting has dropped my credit score down several points ( 20 ), this is unacceptable. 

I have since paid the account in full, and closed my Target Card, and will never shop at this store again because of this! This is not okay and should be removed from my credit file, if not removed updated to reflect accurately information. Mind you the credit limit on this card was a nominal {$300.00}
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

This credit union XXXX  also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus XXXX, XXXX, & Experian without any prior disclosures to me or notifying me in anyway 15 USC 1681b- Permissible Purpose of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report.
Consumer complaint received 2020-11-05
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 (AZ)

On XX/XX/2020, Bank of America report a late payment delinquent in my fico score. Due to the change of the minimum amount, I was paying less than the new minimum amount. I did not received any emails or calls notifying me about the issue. I got an alert from XXXX saying I have a delinquent showing in my fico score. I gave BOA a call and they told me that if I can get my account to current, then they will submit a request to remove the delinquent. I payoff the account and my account is current, but BOA did not remove the delinquent from me fico score. I tried to call BOA and XXXX multiple times and they keep telling me to go back and forth between them. Now, XX/XX/2020 and still nothing is done and they keep shifting the blame between them and no one is doing anything. They like to play games but I don't.