davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
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. (MO)

In accordance with the fair credit reporting act has violated my rights. 

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

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Attorney general XXXX / XXXX # XXXX XXXX XXXX XXXX XXXX Texas XXXX
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue that I have been facing with Wells Fargo bank. Between XXXX and XXXX, I had an account with Wells Fargo that was closed by the bank for no apparent reason. This sudden closure caused me to suffer financial losses, and to date, Wells Fargo has not reimbursed me for the money I lost. 

I have tried to contact Wells Fargo numerous times to resolve this issue, but I have not received a satisfactory response from them. As a result, I am now reaching out to your organization for help in resolving this matter. 

I strongly believe that Wells Fargo owes me the money that I lost due to the closure of my account. I hope that your organization can assist me in recovering my funds and holding Wells Fargo accountable for their actions. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TN)

Made an ATM cash deposit of {$2700.00} with my debit card from Regions ... XXXXthe ATM was then making the transition and suddenly became dysfunctional... XXXXthen returned the card without any confirmation. I became aware that this was not a normal function of any ATM that I have experienced ... ..so I drove and parked, then proceeded into the Bank to address the current issues ... The person that responded was XXXX XXXX XXXX XXXX the ATM was under a XXXX party service called XXXX ... and could only file a Confirmation of Disputed Transaction. I immediately ask why there was not a posted sign for your customers to warning of cash deposits ... as I would have never used this process ... and immediately brought the cash to the bank teller instead. She had only the company policys to reply. As a senior citizen this is a XXXX draw back of my rights, and the funds not being available as my needs are very important. Please help.
Consumer complaint received 2022-02-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OK)

In XXXX i took out a construction mortgage with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX branch in XXXX of XXXX i longterm financed the home with XXXX XXXX XXXX XXXX. However i did not pay off the complete amount of construction. 5 years later in XXXX i had made no payments to XXXX XXXX XXXX, and the finally wanted to get the additional overage into a fixed finance there was a change of main bankers in company. So we get yhe amount rolled into financing. I lost my job later part of XXXX and foreclosure happened from XXXX. However XXXX XXXX XXXX  and XXXX purchased the loan from XXXX and sold the home in which XXXX made profit. However they continue to report deroggatory info on my bureaus, and it is imcomplete. They show im making payments and the amount is not decreasing but all bureaus show i havent made payment since XXXX. I have taken steps with now XXXX XXXX XXXX  and was told they will fix everything when i pay off the interest owed of {$17000.00}. I.dont belueve i owe them anything because they bought the loan sold property and made profit. Shows i paid off the loan of {$500000.00} but still shows i owe little over {$17000.00}. I need this cleaned up with XXXX equifax and XXXX and to stop reporting. I have no documents agreeing to pay this new loan number they made up. The credit bureaus just tell me information is verified and i get nothing rhey arent getting the full story
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Okay I put my son on my credit card years ago as an authorized user only. I recently had to file bankruptcy and we both ( myself and my son ) where shocked to see it show up on his credit report. He has file a dispute concerning it and I contact the credit card company. The credit card company told me there was nothing they could do about it and that it would remain on there for 7 to 10 years. I feel like this is very wrong. He was added only as an user and the credit card company agrees with that. I told them they never tried to contact him or bill him and they actually closed his card before I filled but the 3 late payments and termination of his card effected his score. Is that not a law to protect him from this? If not anyone could be put on someone card and get hurt by them being late with a payment. It sure was n't disclosed to me that the acts of me would hurt him. Would you please let me know if there is anything I can do about this. Also please info any other parents that may add there children to there cards that it can later show up on their credit report. All my payments I made over since 2008 did not help his credit score though.
Consumer complaint received 2021-06-03
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: SYNCHRONY FINANCIAL (AZ)

I had a {$900.00} credit limit with synchrony bank/Amazon store care and they are denying they did it on their own but at the behest of XXXX  my credit limit was reduced to {$270.00} almost as soon as i made a {$600.00} payment. I haf a couple late payments due to contracting Covid-19 twice, and I made payments and brought my account current and paid the bill off and they did this to me. My credit score was impacted negatively by over 200 points and I believe they are practicing race motivated discrimination. I did not have real estate when i got the credit in the first place and they are saying that is the reason for the reduction. That is not a valid reason. They refuse to remove incorrect fraudulent information and insidiously institutes a redline when it comes to me leveraging my ability to purchase using credit.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MT)

Before XXXX/XXXX/202 we asked Navy federal to process a special program we qualified for, for a lower interest rate. They told us DO NOT pay the bill and let the XX/XX/19 bill be late. They said they would remove the late fee later because of processing time. We called again in XXXX, wherein we learned the paperwork got lost, and we had to do it again. We filed to have the new interest rate processed which would take up to 45 days. Again we were told do not to worry about payments because it will go to interest and it was their fault so they would remove the late remarks. Finally, in XXXX we had a new lower interest rate, a much smaller payment, and were " caught up on payments '' as you can see from the documents. We have repeatedly given the XXXX  the names of employees we spoke to about his matter and they do not remove the late remarks from this account. This account had NO LATE payments in the entirety of the account 's life. We called in repeatedly to make sure of this. Yet the XXXX  is not honoring the agreement. All I can offer is proof of the interest and monthly payments in the statements. Many employees who worked in the specialty department that allowed for hardship payment qualifications can see ALL the notes that explain, that the 1st application didn't process correctly and that the employees said they would remove those late payments during processing times. We have repeatedly asked the XXXX  reporting team to look into this. The XXXX  does not answer us via email like they said they would, nor do they mail us anything.
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

I pay almost {$300.00} a month ( half of which is interest ) for my private student loan for a school that I only attended for less than 6 months. I have made multiple attempts to bring down my monthly loan payment as it is very difficult to pay. I, unfortunately, have a cosigner ( who is unable to help me make payments because of the large amount of debt that he has ) so all attempts to lower my payments or interest rate have been denied. In fact, my interest rate has gone up. I attempted to apply for a forbearance in a hopes of alleviating my financial burden and get caught up on some of my other bills. I was unable to do this for the fact that I have to pay for a forbearance and can only do so with a check or debit card and do not have the funds in my account for this.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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. 

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 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.

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 XXXX  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 2022-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

I have paid all child support in full and I have tried to dispute this with XXXX and Equifax and they both are not allowing me to dispute it. These accounts have been paid and they are settled and my credit report is not reflecting this
Consumer complaint received 2020-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (PA)

I have disputed this debt with all three credit bureaus because it was paid a long time ago and I was assured it would be deleted, because it is a medical debt. It is still reporting on XXXX. A law was passed NCAP, that was written just for this type of circumstance. IT reads, " The credit reporting agencies will also remove from credit reports previously listed medical collections that have been or are being paid ... ''
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MI)

I am disputing the reporting mistakes on accounts XXXX XXXX XXXX and XXXX XXXX BANK XXXX XXXX XXXX These XXXX accounts are paid and closed but Equifax started reporting XXXX in the month of XXXX 2016 where XXXX these accounts were closed years ago. 

Equifax is seems to punish me for disputing these accounts by reporting XXXX in the month of XXXX 2016. Due to this inaccurate XXXX in the month of XXXX 2016 My credit scores goes down and it is hurting me. 

There is no activity and We can see the difference in reporting in the attached screenshots.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I recently filled out an application to rent a house. When I received my Email from the rental place I was trying to rent from it stated that my rental history was declined.I then wondered why was it denied to to the fact that I have no rental history. I filed for a background screening report an once i received it I found that someone by the name of XXXX XXXX rented out of XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX in the amount of {$660.00} a month with an open balance of $ XXXX states that this person never gave proper notice of leaving the residence.I did not authorize this person or any other person to use any of my information.
Consumer complaint received 2022-02-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I XXXX XXXX sent certified letters in XXXX, XXXX, XXXX, and XXXX of XXXX  about XXXX alleged bankruptcy that is listed on my profile. They said it was verified through a third-party XXXX XXXX and pacer but not the original source and did not do personal interviews. They are violating my rights as those items are not mine plus more than XXXX days about this issue. 

XXXX XXXX removed it and I told Experian and they still said it was verified. 

Also, I sent documentation showing the court did not verify and dates letters were sent. You were to do an audit on this, you will find as true and accurate. The court name is inaccurate, an attorney name does not exist is inaccurate and docket number, and also I asked how were you able to verify on pacer when it does not show full social security number, date of birth, and other personal information. 

I'm not sure why they said it's accurate but did not verify the correct way and that still shows invalid unverifiable, and inaccurate information.
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

well you did a case for me on XXXX dba XXXX well i just got back into transunion and looked up XXXX XXXX., which i been disputing, over again. well i got init tonight and found all my payments missing all of them wiped out the only thing i see is showing is late payment monts on it, but know paid payments. i trying to see where they went and so i did anothere dispute again. it like all my payment from my account are missing even credit card and my lind of credit from XXXX, need your help. i asked attorney general but since then nothing
Consumer complaint received 2024-02-24
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: SYNCHRONY FINANCIAL (MA)

I recently pulled my consumer report from XXXX, XXXX, XXXX. When I noticed some unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing a lot of stress in my life, which is resulting in a financial crisis. 

Some unauthorized inquires and accounts which are a result of identity theft. These accounts are also violating my rights as a consumer under the Fair Credit Act and Fair Debt Collection Act. I did not consent for the creditors or credit bureaus to report these accounts to my credit profile. This is Defamation of Character PLEASE DELETE AND REMOVE THE FOLLOWING ACCOUNTS LISTED : XXXX XXXX XXXX, 2023, XXXX XXXX, 2023
Consumer complaint received 2015-05-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, I feel I am a victim of sub prime predatory lending. Back in XX/XX/XXXX, I was approved to receive a loan from Wells Fargo through an independent mortgage broker. Because it was Wells Fargo, I thought it was all ok. At the time I had XXXX % down and I believe that is where their focus was to receive the cash. I should not have been approved for a loan. The mortgage amount was not something I could afford afterwards so I applied for a loan mod. My mortgage dropped from over $ XXXX/month to $ XXXX/month back in XX/XX/XXXX through a loan mod. XX/XX/XXXX, I received a letter stating my mortgage was going to be raised and it ended up becoming almost {$1900.00} and they also stated that my interest rate was being raised from 4.5 % to 6.5 %. I had been paying my payments on time the whole time until this happened. I found out my loan was an interest only loan with and ARM ( adjustable rate ). Since about XX/XX/XXXX, I could n't pay my payments in full and they wo n't accept partial payments. I tried for loan mods over and over and they kept saying the investor on my loan will not allow another loan mod. Now there 's an onvestor on my loan?! When did they come into the picture because I pay my payments to Wells Fargo?? So I come to find out that XXXX is now the investor behind my loan and my mortgage is a mortgage backed security. At no time, had I signed any contract with XXXX. I believe Wells fargo sold my loan to this investor without my knowledge and when I ask them who the investor is on my loan they say there is n't one. But now there 's a notice of default filed on my home by HSBC! I do not have a contract with them. This does n't make any sense. I really believe that Wells Fargo needs to refinance my loan to today 's standards since they are in the wrong from the beginning. I have been spending most of my time on trying to figure this out for a year and a half now. This is very frustrating but I am learning a lot from this. I wish there was someone who could help me. Now Wells Fargo is in the process of processing another loan mod request while there is a notice of default on my home. I do not see how the outcome could be any different if the investor has the last say. This is the only home my kids have known and I would really appreciate my payments going back to {$1200.00} per month like they were. Thank you for any help.
Consumer complaint received 2016-08-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc. (TX)

I finance a TV with Conn 's Appliance in XXXX XXXX Tx. When I examined the Tv in store it was working properly. Store employees loaded in my Vehicle after inspection. When I got the TV home TV screen was cracked. I tried to return TV to store for exchange or repair the next day and store refused to exchange or repair.
Consumer complaint received 2022-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I have paid all child support in full and I have tried to dispute this with Experian and XXXX and they both are not allowing me to dispute it. These accounts have been paid and they are settled and my credit report is not reflecting this
Consumer complaint received 2021-06-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC. (IL)

On XXXX XXXX at Dealership XXXX  XXXX XXXX XXXX XXXX XXXX, Ill XXXX I was call in to finish up a pre approved vehicle loan with a down payment of {$500.00} plus XXXX XXXX they gave me {$1500.00} trade in value After completing the paperwork and license plates and insurance I and XXXX the finance manager sign I was giving the key after the plates were put on. Around 15days later XXXX call me and ask could I come back in to update my address because he put the wrong address and bring in a Utility bill with my current address But when I got there XXXX gave my paperwork to his Co worker to assist me when I went into XXXX XXXX office with him he began to become very verbally and physically aggressive asking me to give the keys back.I said no and try to leave and he became physically Abusive snatched the keys off my finger.causing injuries