davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

I had my House Foreclosed on, after I had an Agreement with Wells Fargo. You filed a suit which was decided in XXXX of XXXX. Wells NEVER did contact me so I contacted you and have Case Number. I then received a letter from Wells Stating they would contact me by today, XXXX. I also spoke with the Person handling it at Wells ( XXXX XXXX ) Friday who stated he would discuss. So I called him today, he was " out of the Office so I called Wells Management and was told, he would be calling me ( guess he magically appeared in the office ( smh ). He then stated, today, He needed another 10 days. All this, its a stall tactic for Wells to hold onto the money and get interest. They started screwing me in XXXX ( about time of Foreclosure ) and now that I filed, they are asking for my time. In summary, Wells agreed to the reduce payment in XXXX, took my checks, then Foreclose on me and then sent me about {$7000.00} which was the payments I made, on time and agreed to. Now, 15 years later, after admitting liability they want to keep me hanging longer in order for me to get restitution. This 10 day delay is a stall tactic and simply Wells keeping our money to gain interest. These guys are rampant abusers of Consumers
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Complaint filed with CFPB due to unable to dispute but now Experian has flagged my account as high risk. I called to speak to a representative to ask why I am able to log into my account online and able to see my credit report but when I try to dispute theres an issue. The Representative stated that my account was flagged due to high risk for having a company or live by a business which doesnt make any sense. I asked why does that happen? Per Representative thats due to a change of address. I havent change my address. Theres been no changes at all to my credit. Im only trying to dispute one Merchant that told CFPB that its been resolved but no action taken on my credit. I asked for a Supervisor but they would not allow me to speak to one. They said they will call back. I received one voicemail on Sunday XX/XX/22 at XXXX but this person did not state what company they are with. So Experian management team or any team member never called. I called Experian beginning of XXXX. Ive provided the required documents on XX/XX/22 to the website provided for uploading documents. Each time they receive several proof of address but my DL license & passport they can only see what type of document but cant see any other information which is strange. Ive provided pdf files and other ways of uploading the document numerous times but each time its the same document that can see which is my Driver license & passport. This is a clear indication that Experian is doing this on purpose and I feel this is retaliation due to the complaints filed on Experian. If theres a issue with my identity or anything that will cause a high risk alert, how am I able to log into my account to get see all my information but not able to dispute? I have credit monitoring with a another company that monitors and they report to me any activity on my account even when my email address other information was found on the dark web years ago but my account wasnt flagged. When companies have sent letters notifying me that there was a breach. Experian didnt flagged flagged my account. My account wasnt flagged until last month and there was no reason for that to happen. There was no notification sent to me that my account was flag my mail or email.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with CAP ONE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAP ONE AUTO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX.
Consumer complaint received 2020-07-31
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (KY)

I sent a complaint back in XXXX regarding this same complaint. I did not realize I needed to provide more documentation and Midland Credit stated they sent me documents that I needed to fill out and send back, but I never received any documents. I found out my dispute was closed and they are still trying to pursue with the collection of the funds. I am filing a dispute again. I was a victim of Identity Theft and have reported this with the credit bureaus ( XXXX, XXXX, XXXX ). Therefore, this credit card with XXXX XXXX XXXX  was opened in my name as fraudulent. I had no recollection of this card. And there is proof back in XXXX I reported that I was a victim of Identity Theft and in XXXX XXXX XXXX XXXX  sent this bill to collections ( Midland Credit ).
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I have applied for XXXX XXXX XXXX XXXX when it had a special promotion of XXXX miles and {$200.00} credit after spent {$2000.00} within three month. 

{$2000.00} was spent and I have received XXXX miles points. However there was never a {$200.00} credit. I would like to file a complaint for not receiving this bank credit. 

Thank XXXX
Consumer complaint received 2020-12-16
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: CITIBANK, N.A. (GA)

In my reports a closed account with huge amount of missed payments. Bestbuy/Cbna is not mine charge-off account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (NC)

I applied for Target account XXXX individually. In XXXX, I added an authorized user. I never asked nor was I told that authorized user would be a joint owner on the account. My target card has always had an available balance of {$13000.00}. I made a purchase of {$4500.00} on XX/XX/XXXX. I made a payment of {$4200.00} on XX/XX/XXXX. I called target to check my account to find out that they had lowered my credit limit with no available credit. I called and asked Target why they never sent me a letter stating they were lowering my credit limit and there was no answer. I explained to them that because of the balance decrease it greatly affected my credit score. I also called XX/XX/XXXX, to see if I could remove the authorized user but target added the authorize user to the account as joint owner, because of this also affecting his credit score. Target rep said that he could see where I initially opened the account in XXXX and added him as an authorized user. Target claimed he was added as a joint account holder. I asked them for the initial application and the form where I added the authorize user as a joint account holder. Target customer service rep. He told me Target does not have any documentation but here is an address that you can try.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX/inaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXXinaccurate information reporting across all bureaus and claims information was verified.
Consumer complaint received 2019-10-19
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)

The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX Card - misreporting on XXXX, XXXX, TransUnion XXXX XXXX / XXXX - misreporting on XXXX Additionally, I have informed the credit bureaus ( XXXX and XXXX ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

I made a chargeback billing dispute for a {$2000.00} pre-payment for a pinball machine, specifically dispute XXXX. It was closed and I formally appealed. It was then considered by Citibank that the " investigation complete '', without giving me back my {$2000.00}. I disagree and am complaining about the decision and formally request the {$2000.00} to be returned. 

For reference, the {$2000.00} was prepaid for a product I never received, and I had concerns about the quality and workmanship of the product and did not want to continue with the purchase. I provided documented evidence of quality defects occurring in the same product of pinball machines being manufactured prior to my pre-order.
Consumer complaint received 2022-03-09
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. (GA)

XXXXinaccurate information reporting on all three bureaus and claims information was verified. 

XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX XXXX XXXX inaccurate information reporting across all bureaus and claims information was verified. 

XXXX XXXX/medical collection account/ reporting erroneous information and violating hippa laws. 

XXXX/inaccurate information reporting across all bureaus and claims information was verified.
Consumer complaint received 2023-03-20
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: Early Warning Services, LLC (NY)

It has come to attention that there are reports of fraudulent consumer reports being disseminated, containing invalid and incorrect information that violates an individual 's rights to privacy. Such reports may include sensitive and private information that has been inaccurately reported, misrepresented, or deliberately falsified, and which could potentially harm an individual 's reputation, financial standing, or other important aspects of their personal or professional life. This activity is in violation of various laws and codes that protect individuals ' rights to privacy, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the General Data Protection Regulation ( GDPR ). Under these laws, individuals have the right to access and dispute inaccurate or incomplete information in their consumer reports, and consumer reporting agencies have a legal obligation to ensure the accuracy and privacy of such information. Therefore, any dissemination of fraudulent consumer reports that contain invalid and incorrect information is considered a serious offense and may result in legal action, including civil and criminal penalties. It is important to report any such activity to the appropriate authorities and take steps to protect one 's rights to privacy and personal information.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VT)

I have tried to have Experian remove a XXXX  XXXX Bankruptcy from my report thats been on there 7 years. The dates are incorrect along with my address. I spoke to the court whom said they never released any information on any court dates and or filing and are in process of creating a letter. XXXX removed it from my report two weeks ago. Experian just wrote information correct and closed dispute. The information is not correct, address is also incorrect. I called spoke with representative yesterday whom said this wont be removed regardless and actually hung up on me. This is my credit, my only way to try to get a loan for a house. Its been 7 years and they wont even consider listening let alone taking it off my report. Requesting it be removed. If court letter is needed stating they never released any information regarding me to any other party I can upload. XXXX was very easy to work, wish Experian was the same. Please help.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (GA)

This same alleged debt has been reported at least 5 different times now since I stopped doing business with XXXX in 2017. It took 2 years a 3 disputes for anyone to provide me with itemized details on what I supposedly owed. XXXX originally claimed ( by way of a rep at my door ) I had failed to return equipment which I never had and then eventually changed their story to saying I owed them for service several months after I switched providers and explicitly canceled them. 

I believe the constant re-reporting on the same fabricated debt is a blatantly fraudulent attempt to side step time limitations imposed on credit reporting. Stop being XXXX XXXX XXXX, this is why everyone hates you.
Consumer complaint received 2022-07-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX Informed Bank of America and all credit reporting agencies that there is a fraud credit card opened in XX/XX/XXXX. I found out by collectors calling asking for payments. At that time I informed them this was a fraudulent acct. 
Nothing has been done to help me and I now see payments have resumed. Please help me.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-09
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. (TX)

XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2023-03-17
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. (HI)

I sent a Letter to Experian Dispute Center on XX/XX/2023, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected rights.
Consumer complaint received 2020-07-31
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: Experian Information Solutions Inc. (CA)

I sent letters to the credit bureaus on XX/XX/XXXX but I still have not received a response. Due to Covid 19 I expect things to be delayed a little, but it has nearly been 2 months now. The bureaus are supposed to have 30 days to respond to me so they are clearly in the wrong at this point.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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.

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 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

My checking account with USAA had a balance of {$46.00} in which I went to pay the balance today and was told my account was charged off. When I asked how and why would my account be charged off without me being notified and the balance was only remaining for 3 weeks. Also I filed XXXX XXXX bankruptcy on XX/XX/2022 case number XXXX and they refused to recognize my bankruptcy please assist me In starting legal action against them