davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (AZ)

This may be happening to many people using all XXXX of the websites. Same thing happened last time I tried over a year ago. The company gives you XXXX chance to view your *Free Report*. Instead of providing it in a .pdf file with all details for download, they provide an html version, requiring multiple clicks to view portions. They seem to purposely designing these pages to result in the page often crashing. Attempts to return, no longer give you access, since they already gave you that chance. They are satisfying the law, without really providing the information required, in this manner. This results in the user having to pay, to really see what is required for them to provide freely.
Consumer complaint received 2024-02-17
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. (TN)

In accordance with the fair credit reporting act ( XXXX XXXX XXXX Acct # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 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 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a loan with XXXX XXXX XXXX. 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 Experian, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (FL)

I needed to wire funds for a mortgage closing and the bank refused to do a wire over the phone, even though I offered to sign whatever forms and fax in whatever verification they required. I do not have access to a branch because I have moved and there is no US Bank in Florida. The US Bank website says you can do immediate or next day transfers which would also help because I could transfer to a FL bank and then wire, but when I went to do that instead it would n't let me because I was above the transfer limit. I am unable to access my own money via wire and it may result in me loosing my home. This is unacceptable!
Consumer complaint received 2015-06-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo committed fraud by stealing money from the elderly. I am XXXX years old, I have a account with Wells Fargo, Acct # XXXX. On Sunday, XXXX XXXX, 2015, the day before XXXX, I purchased food at XXXX XXXX and wrote a check # XXXX in the amount of XXXX}. I also wrote a check on Tuesday, XXXX XXXX, 2015, the day after XXXX, on XXXX XXXX, 2015 I receive a survivors benefit check in the amount of {$XXXX} which post Eastern Standard TIme at XXXX XXXX, XXXX Pacific time. Wells Fargo. On the back of Check # XXXX in the amount of {$75.00} The XXXX stamped it XXXX XXXX, 2015 as being processed, the money was in my account, Wells Fargo fraudulently charged me a service charge of {$35.00}. They also charged me {$35.00} service charge for Check # XXXX in the amount of XXXX. These XXXX checks were covered because my direct deposit from Social Security was in the account. I went to Wells Fargo and spoke to the Manager of the Store, XXXX XXXX, ID XXXX, she took the bank statement along with the XXXX checks and proceeded into her office not asking me to come into her office while she looked at the copies. XXXX minutes later she comes out into the lobby where I waited and broke the privacy act discussing my account with a lobby full of customers. She treated me with no respect and I feel discriminated against me because she saw I was elderly, she failed to ask for my identification. She failed to see on the back of the check the date was stamped XXXX XXXX, 2015 for check number XXXX by The XXXX. It is my opinion Wells Fargo should investigate this store manager, the proof is on the back of the check and she had no right to discriminate me and embarrass me in front of a lobby full of people. I am asking that Wells Fargo refund my money and a apology letter on behalf of their Store Manager, XXXX XXXX she should not work at a bank who judges people by the way they look.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RGS Financial, Inc. (IL)

My name is XXXX XXXX. During the year XXXX, an account was opened with XXXX XXXX in Florida   reported with my social security number under the name XXXX XXXX from address XXXX XXXX XXXX XXXX, XXXX, FL  XXXX. The account eventually became overdrawn and was subsequently sent to a collection agency RGS Services. In XXXX, I, XXXX XXXX, opened an account with XXXX XXXX in XXXX Wisconsin  from XXXX XXXX XXXX XXXX, XXXX, WI   XXXX. The negative account balance from the previously opened account was transferred to my new account and subsequently went into collections. In XXXX, a payment was made by my bankruptcy trustee to XXXX XXXX for the account opened in Florida which was previously being reported. That payment closed the account, however because the balance was transferred, it appeared as two separate accounts to the collection agency. In essence, the collection bureau, RGS is double reporting the XXXX accounts, adversely affecting my quality of life. When I called to get the information, the representative refused to listen and insisted that because it has a separate account number, it must be a different account. Nonetheless, I dont have a debt with XXXX and currently have an open account with them. XXXX has updated their accounting, however, RGS refuses to comply with the FDCPA and consumer protection laws and have not verified the debts they are reporting. This account is paid in full, and it was not even mine in the first place.
Consumer complaint received 2017-07-21
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. (NY)

Saw that there was an account I did n't recognize when I reviewed my credit report. XXXX XXXX. I sent them a request for validation to prove it was mine because I do n't recognize them. They never answered. I sent it registered - I have proof they received my letter. However they never sent me a reply - after 30 days I sent the original letter as well as my proof of delivery over to XXXX, experian, and XXXX. They should delete this as this is not my debt. They say they have investigated and that it is mine. But how is that XXXX XXXX has listed a debt, they wont send me any information, how in the world can the agencies validate it? This debt is not mine, and if they can not provide me documentation proving this debt is mine, it needs to be deleted immediately by experian, XXXX, and XXXX. I am very frustrated and the inability to resolve this. Perhaps I should hire a lawyer. I will attach documents.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

While reviewing my Experian credit report, I noticed that EXPERIAN has placed an ALERT/NOTICES OF RISK stating that XXXX XXXX XXXX, XXXX, NY XXXX, as pertained to business and XXXX XXXX XXXX, XXXX, XXXX XXXX, as well. This adverse information is inaccurate and to permanently removed. 
I noticed that an unauthorized inquiries was initiated by XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; XXXX XXXX on XXXX/XXXX/2015 ; and XXXX on XXXX/XXXX/2015, by employees of this companies without my written consent in serious violation of my Privacy Right Act and FCRA. I have requested that any evidence be sent to me within 5 business days to support my consent of the inquiries.However, my request has been deliberately ignored by these companies and EXPERIAN has failed to properly investigate the matter as required under the law.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Have reached out to my servicer on numerous occasions to have our property taxes paid. Our house sits in a dual county area and requires taxes to be paid to 2 different assessors. We have our taxes set up to be escrowed and the correct amount is being taken to pay the entire amount. Our taxes are now 4 months past due and have added an additional $ 400+ in late fees as well. We have called multiple times since XX/XX/XXXX and this issue has yet to be rectified.
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (SC)

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: C&F MORTGAGE CORPORATION (VA)

XXXX XXXX XXXX XXXX submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A XXXX XXXX XXXX XXXX submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was $ XXXX. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with XXXX XXXX with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX XXXX XXXX.
Consumer complaint received 2021-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (SC)

Barclay Bank Delaware Juniper Credit card has adversely reported ( 30 days ) late payments for the entire year of XXXX, XXXX partial XXXX and ( XXXX ) month in XXXX. I can provide bank statements refuting any late payments for the entire year for XXXX, XXXX, XXXX and XXXX. The account was in fact set up on automatic draft payments. I paid off the account in earlier part of XXXX. I noticed a 17 point drop in my credit score when no changes, late payments or new accounts opened have been made on my end. Only after requesting my credit report I have identified that Barclay Bank Delaware Juniper credit card had reported receiving late payments of 30 days in the years listed above. I have contacted Barclay after paying and closing the account in full XXXX. I was ensured that everything was paid and properly closed.
Consumer complaint received 2016-09-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CA)

I am writing this letter to explain my unfortunate set of circumstances that have caused me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately I have fallen short and would like you to consider working with me to modify my loan. My number one goal is to keep my home and I would really appreciate the opportunity to do that. 

The main reason that has caused me to be late is nothing short of my own doing. I had entered into a bankruptcy case last year, due to my divorce and the amount of debt that I was left with but that case was dismissed on XX/XX/2016. The dismissal was on the declaration of the Trustee for failure to make all payments under the plan which I felt was more payment then I could afford. I was also offered a modification trial period with my home mortgage company. I began the trial XX/XX/XXXX and I made my first two trial payments but missed the third payment, which I did not realize ( XX/XX/2016 ). I continued sending payments XX/XX/XXXX and XX/XX/2016. Without me realizing it my car payments on the mustang had not been paid thru the trustee only the house and when the bankruptcy was dismissed they repossed my car, I had to get another car to be able to go to work, taking my income tax and another {$1000.00}, I purchased a used car, which at the time I did n't realize would affect my mortgage payment for XX/XX/2016 making it unable for me to make. I never received any word from my mortgage company that I had defaulted on the trial modification, until I had taped to my door a foreclosure sale set for XX/XX/2016. At that time my only option was to file bankruptcy again, this time my trustee payments are over {$2600.00}, I can not afford those types of payments. It is my full intention to pay what I owe, but at this time I have exhausted all of my resources so I am turning to you for help. 

My situation has gotten better because I can afford my car payment and mortgage payment with my income from my full time job and I feel that a loan modification would benefit us both. I would appreciate it you can work with me to lower my delinquent amount owed and or payment so I can keep my home and also afford to make amends with your firm.
Consumer complaint received 2022-08-10
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 in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vengroff Williams, Inc (CA)

XX/XX/XXXX I changed companies. My old companies health provider was XXXX XXXX and my new Health Provider was XXXX. XXXX when I want XX/XX/XXXX to XXXX I gave XXXX XXXX my new XXXX XXXX information. XXXX XXXX mistakenly billed XXXX XXXX for the XXXX and they paid it although I wan no longer a member. 
XX/XX/XXXX I received a letter from XXXX fomenting payment for {$330.00} for my prescription. I called them up and asked them why there not requesting payment from XXXX XXXX and they said because I XXXX. I called XXXX XXXX and they said that this type of mistake was common and that they would just " reverse '' the charges and bill XXXX. this week I received a letter from a Bill Collector the XXXX hired to collect this dept. 

I do n't feel that this is my dept. I paid XXXX XXXX my {$25.00} CO-Payment and my business transaction was with them and I had no transition with XXXX but now my good credit is in trouble because this debt has gone into collection. 

This is another case of BIG BUSINESS squeezing the working man. 

Please help me. 

My Name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX Contact : XXXX @ XXXX / ID # XXXX XXXX XXXX Contact : XXXX @ XXXX Collection Agecny : XXXX / case # XXXX
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (MI)

I have been contacted by Franklin collections Agency, I have tried to work this debt that belongs to a family member out with them, but they refuse to comply back. I have sent validations letters, cease to delete letter and a pay and deletion letter still no answer back from company.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Dear, Im XXXX old XXXX XXXX  civilian and credit card holder from Pentagon credit union since XX/XX/XXXX, after the merger the guidelines and term of disputes changed from 3 Busniss days to 30 days to assign someone to dispute and issue provisional credit and NOT deduct interest on the disputed amount and email affidavit for signing when I signed terms with Pentagon credit union in three business days and they must disclosed any changes and follow the grandfather clause. 
I filled dispute on XX/XX/XXXX, foot massage I just got letter that the dispute resolved in my favorite last weeks, 18 months.
Consumer complaint received 2016-05-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BBVA FINANCIAL CORPORATION (FL)

XX/XX/XXXX, I acquired an auto loan for a XXXX Mitsubishi Lancer through BBVA Compass Bank. The monthly payment due at the time was ~ {$190.00}. Which was made every single month, as is documented by the bank themselves in my credit report print out. I would always go directly into the banks physical branch to make my loan payment, and tell them to simply charge my checking account the minimum due - The exact same thing was said every single time. 

My vehicle was repossessed early this morning, XX/XX/XXXX. I called and actually logged in to check my loan status on their website, and they 've documented it as 95 days pass due, with a delinquent amount owed of {$1300.00} USD. The repossession branch I was transferred to on the phone quoted me at owing just under {$2000.00} by Friday ( XX/XX/XXXX ) in order to prevent the vehicle from going to auction. On the credit report I obtained today, the past due amount is {$970.00}. Also, on the report it 's clearly shown that XX/XX/XXXX, my scheduled payment amount was increased from {$190.00} to {$320.00}, which one assumed would have been mentioned when I gave them directions to charge my checking account the minimum amount. 

While on the phone with BBVA Compass, I attempted to ask if there was any way we could work together to pay this apparent debt off and reacquire my vehicle - I am employed full time as XXXX XXXX military, my income is secure. When I explained to them military pay schedules being on the XXXX and XXXX of each month, and there was no way for me to make a full payment of {$2000.00} in less than 3 days time, the conversation was essentially ended. 

Also, failing to tell me where I could at the very least go to my car and obtain my personal effects inside of it ( IE : personally identifiable information, personnel records, my uniforms and even the original copy of my marriage certificate ). 

Tomorrow I 'll be going to the physical branch in person as a last ditch effort to try to get them to cooperate in payments.