davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've paid my XXXX XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.
Consumer complaint received 2020-05-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (NY)

I am requesting a release option for co-signers, according to the Consumer Financial Protection Bureau a release can be obtained after a certain number of on-time payments. 


I am requesting to be released from this lease agreement as it has been returned and payments have NEVER been made by me. The sole responsibility of this lease was for my son XXXX XXXX. There is confusion at times being that we have the same name. I am attempting to get a loan for the purpose of re-siding a home that I am too old to get up on a ladder and paint. I am a Veteran of the United States XXXX and retired XXXX XXXX XXXX 
This is regarding the XXXX XXXX XXXX, account # XXXX - XXXX  XXXX XXXX XXXX 

Typically after a certain amount of payments, the co-signer can be removed. This lease has been turned in and I need it to be removed from my credit report.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I am filing this complaint because Experian has ignored my request to see an updated credit report since XX/XX/2022 while still charging my credit card for their premium service to view all XXXX credit reports however have not been able to see in over 2 months my phone calls were in vain as repeatedly told me try back in 24 hours after numerous calls and now past 60 days later still no access or reason as to why. I am not able to see a current credit report leading me to cancel the premium service from Experian once I notice no progress is being made. 

I have tried every method to get the credit bureaus to view my credit and correct accounts that might be unlawful reporting of incorrect information on my credit report is very harming and stressful please resolve this issue as soon as possible. 

Thank you
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

In XX/XX/XXXX Citi Bank advertised a deal : " Open account with us for {$25000.00} and keep this balance for 3 month and we will credit your account with {$200.00} '' I transfer to them {$25000.00} in XXXX transaction of {$5000.00} each. 
XXXX transfers went from XXXX XXXX  XXXX XX/XX/XXXX, XXXX, XXXX, and XXXX ; XXXX. 
XXXX transfer from XXXX XXXX  on XX/XX/XXXX. 
In couple of weeks I received a letter, that I broke some rules of Citi Bank, and that my newly established account is closed and that I will receive a check with my funds in 60 days. 
My multiple calls to the Citi Bank for an explanation didn't clarify the situation. 
After 60 days I went to the closest branch ( XXXX XXXX XXXX from my place ) for my money with no avail. 
The XXXX tried to help me and send multiple emails to supervisors with no answers. 
As of today ( XX/XX/XXXX ) not only I didn't earned promised {$200.00} bonus, but lost potential interest on {$25000.00} for 8 month! 
I still do not have my funds back!
Consumer complaint received 2020-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (GA)

XX/XX/2017 I had a procedure done at XXXX XXXX Hospital. At that time, I was under XXXX 's financial assistance program and everything was covered 100 %. 

The amount XXXX XXXX claims I owe is {$710.00}. I have contacted them a few times and I have provided a letter to them showing XXXX XXXX paid the bill.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

I applied for the homeowner assistance fund and was awarded a XXXX XXXX to assist me with my mortgage with Mr. Cooper. ( see attachment ). I have been trying to get Mr. Cooper to facilitate the reinstatement of my mortgage and bring me current and despite everything I have done to comply with there request of me, I now believe that are they are being unfair and deceptive in my need at the moment and are causing me and my family unwarranted and undue stress. 

I have been told by XXXX XXXX with the State of Tennessee that the first disbursement that went out to Mr. Cooper was rejected and sent back despite of them being a participant in the HAF program. I have also been told by their customer service and collection department that they deny all knowledge of my grant. ( see attachment ) I was told again today XX/XX/2022 that the State of Tennessee reached out to their ( Mr. Cooper ) team a couple weeks ago and requested documents again as to arrearage because they rejected the initial funding for my account and they still have not responded. ( see attachment ) I am extremely concerned now due to the unfair and deceptive ways of Nationstar which has now been branded under the Mr. Cooper name and I am worried that Dejavu may be occurring again as to unfair and deceptive acts. Please investigate this matter and see if there are patterns that will suggest what I am complaining about today.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIRST NATIONAL BANK OF OMAHA (MO)

After I complained about XXXX the next day I received a call from XXXX who lied and said the bank was out of mo why because of me and told me things that were discriminatory in nature. I had XXXX report her to manager. 

Government orders First National to pay more than {$35.00} XXXX - remember this? 
First National Bank of Omaha will pay more than {$35.00} XXXX in restitution and fines for deceptive marketing practices and illegal billing of add-on products. 

The bank, the largest in Nebraska with {$18.00} XXXX in assets, agreed to consent orders levied by the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, which were made public Thursday. 

The bank will pay a {$3.00} XXXX civil penalty to the OCC, a {$4.00} XXXX civil penalty to the CFPB and nearly {$27.00} XXXX in restitution to roughly 257,000 customers. 
Or this CFPB Orders First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
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. (TX)

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open account, and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the exact time frame from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct this account in my credit file : XXXXXXXX XXXX XXXXXXXX XXXX : {$2500.00}.
Consumer complaint received 2022-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VT)

Today, XX/XX/XXXX : I am trying to dispute incorrect and out of date information on my equifax credit report as it is negatively impacting my score. I have tried calling into equifax where I spent approximately 20 minutes on the automated menu loop that made me press '2 ' every couple of minutes or it would hang up on me. Once it finally started to ring and it appeared like someone was going to answer, the call disconnected. So I called back and was put back into the automated menu loop. The representative then called me back six minutes later and then said that I was next in queue for a supervisor, after which I was placed on hold for over an hour. The person on the phone then asked the same verification questions numerous times then said they could not verify my information. 

I then went online to try and dispute this information, as well as uploading an image of my driver 's license that meets all of Equifax 's XXXXcriteria ' for a document upload, and I am being told they can not process my dispute on line - I must call them. I verified that my license photo met all of the criteria from file size to file name, only uploaded ONE image as instructed, and it puts you on an endless loop that will never allow an average person to be able to dispute incorrect and damaging information on their report. This seems intentional. I took photos and recorded the process of me attempting to dispute my report online all the way through the document upload process and the error message. Equifax had one of the largest consumer breaches in economic history in XXXX and seems to be deliberately prohibiting people from being able to repair their credit by disputing information. 

My XXXX and XXXX credit reports were updated at the time that some of my information changed and debts were paid off so I don't understand what is wrong with Equifax and why they have become so poorly managed in the last few years.
Consumer complaint received 2022-05-03
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. (NC)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  Account # XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-12
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 — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (GA)

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 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-03
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: Freedom Mortgage Company (CA)

For months of XXXX XXXX and XXXX the mortgage company said that I was late on payments but, I have sent proof and complaints dozens of times proving that I had never missed a payment.
Consumer complaint received 2022-05-03
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)

n 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 furnish a account without my written instructions
Consumer complaint received 2022-05-03
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)

n 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 furnish a account without my written instructions
Consumer complaint received 2020-11-05
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. (MI)

I am tired dealing with the same thing. The bureaus have a inaccurate, unverified and fraudulent public record on my consumer report. I have tried to fix this matter on at least 3 different occasions. I have contacted XXXX XXXX and they removed it ( See attached files ). I have contacted the court and they said they dont report info to the bureaus ( See attached ). Lastly I filed a complaint with the FTC ( see attached file ). I am really exhausted at this point.
Consumer complaint received 2022-05-03
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


# XXXX - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX - INQUIRY DATE XX/XX/XXXX
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (AZ)

My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against WELLS FARGO BANK N.A. for committing identity theft. I have never given WELLS FARGO BANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from WELLS FARGO BANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If WELLS FARGO BANK N.A. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from Clearfield Trust Co. V. United States , S.Ct. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO BANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO BANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO BANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I have had a FICO score for several years now that ranges between XXXX - XXXX. These are the scores provided by XXXX, XXXX, XXXX, XXXX, XXXX and until just recently, Experian. On XXXX my Experian score was XXXX, on XXXX I was notified by email that my Experian score had dropped XXXX points to XXXX. A XXXX p [ oint drop is significant. I went on line and checked all of my usual sources for my FICO scores and they were all in the XXXX. 

On XXXX I contacted Experian ( via phone ) to inquirer as to why only they had significantly reduced my FICO score. I was informed that they could not provide a reason for the FICO score change but said that they would send me a complte credit report for my review. On XXXX I received and throughly reviewed the Experian credit report. There were absolutely ZERO negatives and conversely, there were all positive comments regarding my credit history. 

On XXXX I contacted Experian again regarding the credit report data that was provided to me. They again, stated that there was nothing that they could do in terms of providing support/insights into the drop of XXXX points in my FICO score. XXXX, I subsequently checked all XXXX of the other primary sources for my FICO score and found that none of them had changed from the XXXX - XXXX range that was reported back on XXXX. 

In my view, Experian has seriously impacted my FICO score but is totally unwilling to provide any basis for the negative change. I find it very difficult to understand how a credit rating company can be afforded the responsibility to manage an individual 's credit score without in turn being held accountable for their actions in that regatrd
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In about XXXX of XXXX, I was renting a car. When I returned the car, they double charged me for one week. I had no overdraft protection on my checking account with Bank of America, so they should have not paid the second payment but they did anyway. I then disputed it but they refused to reverse the payment. They then insisted I pay this double payment even though I showed them proof it was unapproved and not valid. So they closed my account- which I can understand- but they then reported me for " account abuse '' to XXXX XXXX and I haven't been able to get a bank account since. Since I work from home, this has caused me a huge problem in finding work if I can't get a checking account to receive money online through. I couldn't even figure out where this was coming from until finally someone told me to check with XXXX XXXX as this " account abuse '' wasn't showing up on my regular credit reports.