davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-10
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. (AL)

In XX/XX/2020, I disputed several collection items with Experian, XXXX and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XX/XX/2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Consumer complaint received 2017-06-15
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (MD)

I opened a secured credit card with  Wells Fargo , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my  credit score.  And I have yet to receive any letters on what happened with the deposit.
Consumer complaint received 2022-03-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ZWICKER & ASSOCIATES (FL)

I received a IRS tax refund on XXXX for {$8800.00} ; plus {$470.00} for my boyfriend 's tax refund as well as our regular paychecks on XX/XX/24 ( which gets deposited for both of us every 2 weeks ). Everything was fine but then on XXXX ( one day after the refund was given ) my ENTIRE account was emptied out without consent or notification. They withdrew all the money out of my checkings and savings account in the total amount of {$8900.00} and even charged a {$55.00} " legal fee ''. I HAD NO IDEA THIS WAS HAPPENING MY BANK DIDNT CONTACT ME OR THE LAW FIRM THAT GARNISHED ALL MY MONEY. I called XXXX XXXX and they basically told me this is a legal matter and gave me the number to the law firm Zwicker and Associates at XXXX office XXXX and wouldnt let me speak to the legal department or fraud department. They told me that this firm has money and that I have to call them and left me high and dry. So this morning I have been trying to get in contact with this law firm ( which has legal action against me without any notification by phone, email or mail- this account with XXXX is over 10 years old and they have NEVER contacted me or garnished any of my paychecks before. I called them and spoke with several different offices and kept being referred back to the XXXX ( XXXX XXXX ) BUT NO ONE PICKS UP THE PHONE THERE- it says the extension XXXX does not subscribe to this service when you try to get to an operator it says the number can not be reached from this service and hangs up. SO at this point, I have NO IDEA WHO TOOK MY MONEY OUT OF MY ACCOUNT OR WHY- this debt. with XXXX is over 10 years old and they don't even have the correct information on me which is probably why I never received anything and they ZEROED out my account to the last penny!!! My bank just let this all happen- did not contact me as well. When I called, 2 agents told me I gave consent for this ( which I definitely did NOT because I didn't even know this was happening never recieved any documentation from the law firm or bank NOTHING ) So at this point I have no money and no way to get it back. I just had a baby and that was what the tax refund was for and now it is all completely gone and XXXX XXXX let it happen!! Also the debt with XXXX was way less than they took from my account by over XXXX dollars!!! They left me with completely nothing and isn't it required by law that they leave at least 25 % of your wages in your account when garnishing ( if this was even legal )? I tried to explain this to the bank and they said that they can take my money without my consent and that they now have your money so call them! Which is why I am filing this complaint.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (GA)

EQUIFAX is reporting an account on my consumer report without my expressed written consent. I am a consumer who is not in contract with EQUIFAX and I do no consent to the reporting of XXXX XXXX on my consumer report. 

This is a violation of my privacy rights and a violation of 15 USC 1681b Permissible purpose of consumer reports. Under 15 USC 1681b ( 2 ), EQUIFAX can only furnish this account with my expressed WRITTEN consent. No consent is identity theft under Federal Law.

I initially notified EQUIFAX on XX/XX/XXXX, and followed up with that notification on XX/XX/XXXX. EQUIFAX sent me an automated e-oscar response dated XX/XX/XXXX stating " We verified that this item belongs to you. This account has been updated... '' In my initial notice I state that " An automated response or e-Oscar verification is unacceptable. '' I notified EQUIFAX of their violation of 15 USC 1681b Permissible purpose of consumer reports because they do not have my expressed written consent. And they have failed to comply with the law. EQUIFAX now has reasonable cause to know that the mentioned account is being reported without my consent.
Consumer complaint received 2020-10-07
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. (OH)

The following account listed below is fraudulent accounts and does not belong to me. They are in violation of FDCPA XXXX and the accounts need to be deleted from my credit report : XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-09-07
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. (MN)

In accordance with the Fair Credit Reporting Act - XXXX XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : 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 Consent
Consumer complaint received 2022-03-03
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX XXXX SPS Loan number Property Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Dear sir : I have had an economic hardship due to XXXX, have been sick and I am a XXXXXXXX XXXX veteran. They told me to make monthly payments a I could. I tried to make payments directly in their website but was blocked. I also sent in a payment via bill pay and they returned it. I have requested assistance from SPS and sent the the required documents numerous times. They constantly call and ask for the same or different document each time. I have sent them the documents at least 7 or 8 times but they keep asking for the same thing. 
I've called numerous times to check on the assistance they were supposed to offer to no avail. We had talked about putting the delinquent payments at the end. What Happened? Lastly they said they were going to or had sent my account to a lawyer for foreclosure. My house is almost paid off, owing about {$70000.00} but it appraises at about {$300000.00}. They are trying to take my house because I have so much equity in it. Please help. 

I am in urgent need of help. Thank you.
Consumer complaint received 2022-09-07
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. (FL)

I called XXXX and used my consumer law that's it illegal & demanded to remove off my credit report and they refuse so now I'm taking this matter to XXXX  & Attorney General. I have 18 unauthorized inquiries listed on my credit report from XXXX
Consumer complaint received 2022-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (KS)

I originally closed on my FHA Mortgage loan with XXXX XXXX XXXX on XX/XX/XXXX. I received notice that my FHA Mortgage was sold to BSI Financial Services in XX/XX/XXXX. Effective Date of Transfer was XX/XX/XXXX according to documentation. I have received a Notices to Taxpayer - 1st Half from the XXXX County Treasure office indicating that there is now a Delinquent Real Estate Property Tax amount {$1600.00} that became delinquent XX/XX/XXXX which was to be paid from my Escrow account by BSI Financial Services. I immediately called BSI Financial Services after receiving this notice on XX/XX/XXXX and the representative who I spoke to indicated that the transfer was performed in XXXX and that is why they were not paid. I was told that my property taxes would be paid. I have received another notice from the XXXX County Treasure office indicating these still have not been paid. I called BSI Financial Services again on XX/XX/XXXX to get an update to be told the same thing. I have {$4000.00} sitting in my Escrow account in which I have personally paid into and my home is at risk of newspaper publication for BSI Financial Services failure to properly cooperate & disburse payment to the XXXX County Treasure Office for the delinquent Property Taxes. After researching BSI Financial Services it appears that BSI Financial Services is known for inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners insurance premiums and it appears that I am now a victim of this. However it is not that its untimely it's that they aren't cooperating to pay them at all.
Consumer complaint received 2024-01-28
Product: Credit reporting 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)

Transaction history from nonaffiliated third parties are continuously being furnished onto my consumer report without my written consent. The law requires that I receive an opt-out notice every 30 days to which I have not received. I am demanding ALL transaction history to be removed immediately and all accounts to be updated as PAID AS AGREED. I have also requested to opt out of ALL nonaffiliated third parties from furnishing anything onto my report, yet the consumer reporting agencies are refusing to do so and they are in violation of the GLBA. 

Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) Section 603 ( d ) defines a consumer report to include information about a consumer such as that which bears on a consumers creditworthiness, character, and capacity among other factors.

Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency. The statutory definition contains key exceptions to this definition that enable persons to share this type of information under certain circumstances, without becoming consumer reporting agencies. Specifically, the term consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations.
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (IL)

My mother had been banking with Wells Fargo for years, so naturally she encouraged me to get a bank account/savings with Wells Fargo, which I did. Shortly after I turned XXXX XXXX XXXX on XXXX XXXX, 2008 I went with my mom to the bank where they advised to get a credit card to build my credit. My mom, a first generation immigrant from XXXX with little to no knowledge in finances, was convinced by the banker that this was the right thing to do for my credit. Not long after I fell back on payments since I did not have a stable job at the time and I was making only the minimum payment. At a certain point the card maxed out due to fees and high rates. At that point, Wells Fargo instead of reaching out to me, the credit card department increased my card limit from {$500.00} to {$1100.00} as a solution when the card was maxed out due to fees not overspending. it created additional financial distress for me when the card should have been closed out or they just have tried to reach an agreement with me. I believe that my mother and I were unfairly targeted because of my youth and her financial inexperience. I tried to contact Wells Fargo numerous times to get a resolution to no avail.
Consumer complaint received 2022-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (WA)

On XX/XX/2022, I received a letter from Optio regarding a debt they are trying o collect. I requested " 1 ) a copy of my original contract with my original signature for the debt 2 ) The name and address of the original creditor 3 ) My full payment history from the original creditor 4 ) proof that Optio now owns or has been assigned o collect the debt. '' on the same day and mailed via certified mail, and per USPS, Optio received my letter on XX/XX/2022. Instead of providing the requested information, Optio kept asking for debt o be paid. Optio failed to validate the debt.
Consumer complaint received 2022-03-03
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. (MD)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-01
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: DISCOVER BANK (FL)

My personal information was stolen according to a letter from the IRS, XXXX AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

For the past three years since I have owned the property, Ameris bank has sent repeated requests for the flood insurance coverage for my second floor condominium apartment. It usually takes submitting the information it four times before Ameris is finally able to successfully process it. 

In XXXX, they actually improperly force-issued a policy and used the inflated figures to calculate the monthly PITI payment going forward. I was able to get those errors corrected although it took a considerable amount of my time to do so. 

In XXXX, I again had to submit multiple copies before they were correctly processed. 

This year, the company started sending requests in early XXXX XXXX letters dated XXXX received XXXX, XXXX received a couple of weeks later and XXXX ). In response to the initial latter, I had the condo association send a copy of the insurance for the unit. This was never acknowledged as indicated by more letters from the bank. 

On XXXX, I submitted XXXX more copies, by mail, fax and web page, none of which were ever acknowledged. I also sent a copy to the Ameris RESPA address but no action resulted from that either. 

On XX/XX/XXXX, I spent about XXXX minutes on the phone trying to reach the Ameris insurance department. I was only able to leave a message but was assured that I would receive a return call " within 24 hours ''. No call was received but I did receive an email message indicating they have once again force-issued a policy and have improperly charged my account {$1600.00}. [ But this is meaningless coverage since my apartment is on the second floor and any areas that could be damaged by flood are owned by the condominium association. Note that the policy charge for the entire 16 unit building which includes 8 first floor and 8 second floor units is only {$5000.00}. I have never received a copy of this claimed flood " policy '' and wonder if it even exists. ] Today, I attempted to send a fifth copy by email to the Ameris insurance department prior to filing this complaint but it bounced. I send another copy through the loan servicing portal but received no acknowledgement that it was received.

I am asking that the errors be corrected now and going forward and that Ameris be sanctioned as much as possible due to the extended pattern of misconduct.
Consumer complaint received 2021-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2021-09-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

its been over 90 days and incorrect information is still being reported on my credit report. I have not heard from XXXX XXXX or Transunion!
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

Signed up for Cash App account.Recieved card in the mail.Set up account. When an employer tried to send money money wont go into account.He tried 3 times.I have called the company.There is really no way to contact this company.When you call on the phone someone from a far away country who cant speak english does Not know what the XXXX is going on. a Scam?
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.