davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX, I went into Wells Fargo Bank branch # XXXX to initiate a wire transfer for {$1200.00} I arrived at the bank, all the employees were with other customers, so I waited patiently. The manager of this branch came out from behind a closed door and offered to help, but when he found out what I needed, he stated that he doesn't do wires that often, but that he would help me. I stated that I didn't mind waiting for another employee to become available, but he insisted. The manager asked me how much I wanted to send, I stated {$1200.00}. The manager repeated the amount of {$1200.00}, but then stated that he needed to get someone to approve the wire transfer. Once the person approved the transfer, The manager asked me to verify that the account number for the receiving party was correct. He then completed the transaction and the manager handed the receipt to me. The manager NEVER asked me to verify the amount. After I returned home for the evening, handed my fianc the Wire Transfer receipt, that's when she noticed that {$12000.00} was sent!!!! Not {$1200.00}. 

The following day, my fianc and i went to the branch to talk to the manager and get this wire fixed and the correct amount sent. The manager stated in front my fianc, another bank employee and me, that he sent $ XXXXMy fianc then showed the manager the wire transfer receipt. When the manager looked at the receipt and all he said was " No I sent {$1200.00} just like you said '' and once he realized the amount the manager then stated " that's my bad!! I assumed when you said this was for a loan closing, this was for a house '' and then ran off behind the door, a closed door that my fiance and I observed other employees exit and enter the bank 's main floor. The other bank employee then contacted their wire department to see if the wire can be recalled. My fiance and I was told that it could be anywhere from 1 to 6 weeks to get this resolved. I tried calling customer service to get updates, but was told that we needed to go to the bank to get an update. 

After returning to the bank the following Monday, My fiance and I were told that the receiving bank ( XXXX XXXX  ) where the wire was sent, acknowledged the recall, but that they needed to do their own investigation. In the meantime, I reached out to the receiving party, and they acknowledged that too much was sent, and that they were gon na send the overpayment back, but has since stopped all communication with me We were just told on Thursday that the receiving Bank declined the recall, this is why I am reaching out to you to get this matter resolved as soon as possible.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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 fumish a account without my written instructions.
Consumer complaint received 2022-08-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

I purchased two properties in XXXX in the Virginia area. My loan was sold to the Mr. Cooper Mortgage Company. The transaction was uneventful and I did not miss any payments. In XXXX, I received a notice from the Mr. Cooper Mortgage informing me that I did not have insurance on the properties and that they would be placing forced insurance on the properties. My insurance company, the XXXX XXXX XXXX XXXX, provided proof of insurance for the second time and I attempted to make my regularly scheduled payment. The auto- pay system on the Mr. Cooper site would not accept the regular payment and forced me to make a double payment under protest. Their system erroneously said that I was behind in my payments. Despite the double payments being made, they monies were not applied. Several months later, the overpayment was refunded to me. However, the false information still reflects that the payments were unapplied. It is worth noting that despite these errors in XXXX, I did not miss a payment. 

In XXXX, I received a notice from Mr. Cooper informing me that my insurance had expired in XX/XX/XXXX and that they were placing forced insurance on the properties. I provided proof of current insurance and made a payment via the online services. The next month, I received a second call from the mortgage company indicating that I did not have proof of insurance. I again notified my insurance company, XXXX XXXX XXXX, and was informed that the Mr. Cooper Insurance Company had been provided proof of my coverage in XX/XX/XXXX. My insurance company again, provided proof of my insurance for a third time. I attempted to make a payment and was alarmed to see that Mr. Cooper now claimed that I owed over {$30000.00} in mortgage payments. Despite the fact that I provided proof for a fourth time and never missed my regularly scheduled payments, i am still receiving harassing phone calls from Mr. Cooper claiming that my payments are in arrears. I accessed their electronic system on XX/XX/XXXX and this incorrect information is still reflected. 

My supporting documents have identifiable information such as my loan number and name. I will gladly submit this information to you upon your request.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}
Consumer complaint received 2017-01-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. (TX)

I have experienced an issue with Exeter Finance. I was previously in a loan agreement with Exeter finance and I have since went with another lender after getting a better rate. with that siad, while in the loan agreement with Exeter, it was notated that I was late for payments on my account and also they have notated that the account is closed and in a current status of behind XXXX 90 days which is also inaccurate. In addition to the inaccurate information being provided by to the credit bureaus ( and the bureaus not verifying the information correctly ). After researching the company, they have violated the XXXXFDCPA and still reports to XXXX and XXXX. As a result I have suffered damages from their negligence and predatory credit reporting activities. Exeter is not lawfully compliant with to do business within the state of TEXAS and is not BONDED by and authorized bonding company. In addition to the items noted above, since they are not state compliant and I am not sure how to access their bond information. I would like to request that their tax returns be placed in discovery to see if they are also out of compliance as it related to the IRS. I know that I was not the only customer they had so they are also violating other consumer rights as well.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was reviewing my credit reports and found several violations in accordance with the Fair Credit Reporting the following accounts such as XXXX XXXX XXXX XXXX # XXXX, XXXX Bankruptcy XXXX Dock # XXXX, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. the law States that 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 I am certain I did not provide anyone with my written consent!
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act TXXXX XXXXXXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX have 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 2022-04-11
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 account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 A section 604 A. Section 2 : its also states a cunsumer reporting agency can not furnish a account without written permission instructions. 

The following accounts below are on my credit report : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX XXXX XXXX Acct # XXXX # XXXX XXXX Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXXXXXXXXXXXX Inquiries : # XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. 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 protect the security and confidentiality of those customers nonpublic personal information. '' ( Experian ) is a financial institution by definition under that title. 15 USC 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. '' ( Experian ) thefinancial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Experian ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Experian ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Company charger more than the car was worth and was still charging even thoe they didnt even sell it yet plus dealership sold me a damaged car when they know it was damaged car was not drivable at all plus lost my job so had no funding
Consumer complaint received 2019-08-07
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. (GA)

TransUnion and XXXX  have accounts on my report that are fraudulent. I have tried numerous times to get them removed, but to no avail. I have attached police reports and an identity theft affidavits to this complaint, hoping that this will work. The XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX accounts are all fraudulent accounts and I would like those blocked please. My next steps will be to retain an attorney to get these fraudulent accounts removedXXXX XXXX has complied and I would like XXXX and TransUnion to comply as well. I have been disputing these items for years and they keep reappearing. I was a victim of the Breech with XXXX  and it has been a lot. Please remove and block asap. There are also multiple inquiries that need to be removed in the affidavit. I need them blocked please and thank you.
Consumer complaint received 2016-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pinnacle Credit Services, LLC (MA)

This company Pinnacle keeps reporting a debt collection attempt which is beyond the statute of limitations for the state of Massachusetts. This original debt date is 2006. It was removed from my credit history on XXXX and then put back on as a new debt XXXX. I have never heard from or spoken to this firm, yet I can see the information on my past credit history reports.why?
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

PLEASE DELETE ASAP The following addresses are not mines ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following Employers are not correct ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX THESE TWO BANKS ARE NOT MINES I DID NOT AUTHORIZE THEM. XXXXXXXX XXXX XXXXXXXX XXXX XXXX PLEASE DELETE ASAP
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

In XXXX of XXXX, I decided to refinance my mortgage because it is an adjustable arm, and I want a fixed rate since my current mortgage payments continue to increase as rates rise. When my new potential lender asked for documents to secure the loan, I was able to submit all but my current mortgage statement from Select Portfolio, my current lender. On XX/XX/XXXX, I accessed Select Portfolio 's website to get a copy of my current statement only to discover that it was incorrect and was showing that I was 2 months behind on my mortgage payments. I immediately contacted Select Portfolio that same day and was told that 2 of my mortgage payments were applied incorrectly, and that the issue would be escalated to make the correction before the XXXX statement was available, and that the statement would reflect the correction. However, since then I have been receiving foreclosure notices and threats that my account is being referred to an attorney for possible action. Since XX/XX/XXXX, to XX/XX/XXXX, I have made over 20 calls and over 10 calls to Select Portfolio 's Ombudsman dept ( dept to call if your issues have not been resolved ), only to be told the same thing over and over again, " that the issue has been escalated and should be corrected by the next statement ''. Still, 3 statements later the correction has not been made. I have lost my 30-day interest lock in rate from the new lender, and my mortgage payments from current lender are scheduled to increase next month, XX/XX/XXXX. I am a retired senior citizen on a fixed income, and all I want is to for Select Portfolio to correct THEIR mistake so I can refinance my mortgage and have a payment that is affordable. It is very stressful waiting for Select Portfolio to correct their mistake, and I feel that it is unreasonable and unethical to take as long as they have to do so. It is as if they don't even care that my refinance is hold because of THEIR mistake. Please get this issue resolved soon.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO THE LAW 15USC1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transunion is reporting information that certification has not been given with my consent to report any accounts that I have asked for them to remove. XXXX, XXXX XXXX, and XXXX is being reported as a charge- offs and clearly that is an income that the IRS or XXXX hasn't provided me a 1099-C, The creditor has been negligent in misrepresenting that they would report my private information such as my income in their disclosure. According to the law 15 USC 181e 1 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses it to the consumer reporting agency that originally furnishes the report. The credit reporting agencies are reporting XXXX as a charge -offs which is illegal. ACCORDING TO THE LAW 15USC 1666b ( b ) Grace period If an open-end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid the imposition of that finance charge. ACCORDING TO LAW 15 USC 1681a ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Your company has violated the Gramm -Leach-Bliley Act
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act DPT EDXXXX XXXX, XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX, and XXXX  XXXX have 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.