davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report. 
XXXX XXXX XXXX Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Your company is in clear violation of the law. Under XXXX XXXX XXXX - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Ive requested multiple times to launch an investigation and send me proof off such late payment an deletions of these violations
Consumer complaint received 2022-03-01
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. (MS)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2018-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The following information was taken by me ( XXXX XXXX XXXX ) : 1. Bank of America sent me a Reinstatement Calculation stating my loan was in foreclosure on XX/XX/XXXX requesting that I pay XXXX by XX/XX/XXXX. 

2. My action - I submitted a cashier 's check via XXXX XXXX  on XX/XX/XXXX in the amount of XXXX with a return receipt. I called on XX/XX/XXXX and XX/XX/XXXX, and I was assured my loan was caught up to date and would not go into foreclosure status. 

3. Bank of America served me foreclosure notice on Wednesday, XX/XX/XXXX and now my records of foreclosure are public and I am a XXXX Employee. 

4. My action - I contacted Bank of America for a fax to my employer to state that my bill was paid up to date. As of XX/XX/XXXX, I still have not received the fax after speaking to 4 customer service representatives with a call log of 2.75 hours attempting to get this issue resolved. To date, my information will be posted public and not to mention the humiliation I suffered and am still suffering at work. No FAX as of yet ( XX/XX/XXXX ) 5. An apology from the company.
Consumer complaint received 2021-04-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Radius Global Solutions LLC (AZ)

Iv been a vikum of tdenty theft sens XXXX I got out XXXX  XXXX XXXX rollers was stolden out atm juge did not stop payment found guilty got out XXXX been paying on this sens then XXXX month trued to filled small clames XXXX in need of money 's with this coronavirus going on moved to XXXX arizona was were I was born XXXX and houked up a Post and scan mail box because was beening harassed by ssa employees and law no nosey showed up at the place mail was lost stolden bank account was clouesed and now got to go to ssa to fix it open new po box and found frod on my berthcatefiket XX/XX/XXXX and names and dates that was stolden at XXXX  years old that just got back in XXXX  no in XXXX
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (CA)

Account number ending in : XXXX Wells Fargo case number : XXXX Consumer Financial Protection Bureau, case number : XXXX Your response is nothing but a simple dodge. 
The recent credit report provided, has history before XX/XX/XXXX. So, saying the provided credit report is to recent is nothing more than ploy. I wonder what ridiculous excuse you'll come up with next to avoid correcting your mistake. So therefore, I request you ask your Underwriter the exact documentation needed for me to overturn this. So, you and XXXX XXXX XXXX, can stop wasting time. Let me remind you it was your Boss who said Wells Fargo Bank, N.A. Credit Card Services will consider overturning this if I can prove nothing adverse was being reported around the time you did your review. Even though, I have already done that. Attached is a credit report dated XX/XX/XXXX. It's closer to the date you did your review and it also has history prior to the date you did your review, needless to say still pointless. However, you'll find that all adverse accounts are closed and that all closed adverse accounts are dated closed in XXXX ; and nothing adverse reported leading up to or in the month of your stated XX/XX/XXXX review. So again you'll find that nothing adverse was reported in order for you to reduce my credit line. So clearly something else is going on. 
Moreover, you failed to answers my questions in the last CFPB complaint. So I will itemize those questions so you can focus on what needs to be addressed : 1. Where is the adverse information on my credit report that lead you to your decision?

2. How did I pass all other previous reviews? 
My whole argument is, you have/there is no " information previously reviewed, '' in XX/XX/XXXX. I have proven this doesn't exists. Sadly Wells Fargo Bank, N.A. is protecting the real reason for their decision to reduce my credit line. By saying its proprietary information. Question? How am I suppose to correct or refute the information you say you have if you won't share the information. Furthermore, I have proven that there was no adverse action prior to your XX/XX/XXXX review. 
So sticking to your decision as a reply puts this in an never ending refusal that I can't overcome nor be a party too. 
Waiting on me to correct information you have, that really doesn't exists seems convenient for Wells Fargo Bank, N. A. to do what ever they want to anyone that may pose a red flag according to your policies on credit card activity. 
That being said, your reasons for reducing my credit line has nothing to do with my credit history, and everything to do with protecting Wells Fargo Bank, N.A. Credit Card Services internal policies by giving the consumer a false narrative. 
This conduct is likely unlawful.
Consumer complaint received 2020-11-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 30 60 30 XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N N N N XXXX N N N N N N N N Negative Data Unavailable
Consumer complaint received 2022-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My account with {$2200.00} was frozen by Citibank. I was told it was frozen for check fraud reasons ( without providiing any further info ) and was mentioned that it will be resolved in 60 days. It's been 90 days now without any resolution and further info, they even are not taking account closure request and return my money. My {$2200.00} has been stuck with Citibank for the last 3 months without access. 

I reached out to them thrice without any resolution, everytime I had to wait more than 30~45minutes.
Consumer complaint received 2021-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion, failed to delete XXXX XXXX XXXX account from my credit report after I send them multiple disputes and challenges for inaccurate date of last activity. TransUnion is showing XXXX XX/XX/XXXX XXXX, XXXX  is showing XXXX XX/XX/XXXX XXXX and XXXX  is showing ( XX/XX/XXXX ) additional information : all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX and I have an account with Wells Fargo I was using anther company to make wire transfer because it was less expensive This time they asked me to call Wells Fargo to get Advance Access code and when I did they told me that I should receive it by mail during 3 business day I told the agent that I couldnt way for three days so she told me to go to the office bank and do the wire transfer through Wells Fargo I asked to speak with supervisor named XXXX and after explaining the issue it just simply hang out
Consumer complaint received 2021-10-21
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. (TN)

I have disputed this account that appears on my Experian and XXXX credit file with XXXX/XXXX  multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt.

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another.

It is not my job as a consumer to find this companies errors.

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.
Consumer complaint received 2021-05-29
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: DISCOVER BANK (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way Diversified adj svc Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX bank Open date octob XX/XX/XXXX Lease Rental Open date og XX/XX/XXXX Edfed cu Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$980.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3100.00} Balance updated XX/XX/XXXX Never open account with XXXX XXXX. Contacted fraud department sent docs over to fraud. Accounts never deleted. Did not open.
Consumer complaint received 2022-04-28
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. (MI)

In Accordance with Fair Credit Reporting Act : XXXX XXXX XXXX, has violated my rights. My account # XXXX. XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 602 A. States I have the right to privacy.

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

15 U.S.C. 166b A. A creditor may not treat a payment on a credit card account under n open end consumer credit plan as a late payment for any reason.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I've spoken with Experian Credit Bureau on a number occasion regarding their reporting practices regarding information should have been deleted or incorrect there response they get their information directly from the creditor. I contact creditor directly and they state something differently. One example is XXXX XXXX who deleted an inquiry from my XXXX XXXX and XXXX  credit reports. So why is Experian showing a inquiry after XXXX XXXX submit paperwork informing them they were removing the inquiry. Why is Experian credit report showing also most two months difference in reporting on my report Why is there XXXX point difference on my XXXX  credit and XXXX point difference on my XXXX report?
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Tried to return an item to merchant - defective item. Filed dispute with bank, but they failed ( i ) process the dispute properly, XXXX ii ) respond to info provided, ( iii ) correctly tell me what they wanted, ( iv ) made demands that they knew could not be responded to in the manner they wanted, ( v ) instituted on onerous process to dispute the claim, and ( vi ) reverse the charge. The final straw was requesting me to do something with no intention to process the dispute.
Consumer complaint received 2020-11-04
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. (NJ)

XX/XX/XXXXXX/XX/XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried to purchase some hats that promote a political figure. My card was immediately declined. It was obvious that it was politically motivated. I went to account and said yes I recognize the charge. But now I can not order. I have been with this banking institute for over 25 years. Their actions will cause me to close out all of my accounts with them. Bank of America are using their business to interfere with politics. They need to be held accountable. They need to be fined for their actions. What they are doing is illegal.
Consumer complaint received 2021-02-10
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: EQUIFAX, INC. (FL)

Hello, this is my second time trying to get these accounts removed from the credit bureaus. I pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing
Consumer complaint received 2020-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

hello sirs, I have a conventional mortgage that was taken out with XXXX XXXX, they sold it to other servicers, i never had any prior issues, as i pay my mortgage timely monthly and pay for years now my property taxes and insurance directly to the state and insurance company as is agreed upon in the mortgage documents, all of a sudden a new servicer took over the loan servicing, dovenmuehle mortgage loan servicing, and i was harassed immediately on them opening an excrow account to pay my taxes, i responded to them in writing telling them that i did not authorized any escrow account on my mortgage and that i would pay the taxes directly as i done for years, they did not respect my wishes and opened an escrow account paid the taxes with out my consent and are doubling my monthly mortgage payment to {$4600.00} dollars monthly from {$2300.00} and taxes are only {$490.00} dollars per month etc expenses and want to escrow over {$10000.00} dollars in escrow. this is all done to force me to default and loose my property in an unclean hands action against me.. where fore i need the CFPB to investigate this matter and take actions against this mortgage servicer.
Consumer complaint received 2022-11-17
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. (IN)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX 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 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXX XXXX XXXX-Balance $ XXXX Opened : XX/XX/2016 2016