davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (OR)

Update to complaint number XXXX appears to be a duplicate of a complaint we already have on file for you under number XXXX. 
I filed complaints regarding Wells Fargo Surepay service. In the latest letter from Wells, again refusing to refund my funds to me, they included their account disclosures. Under Section 14 " Responsibility for Errors '' there is a clause that indicates they will make 'all reasonable efforts to reverse or delete such instructions '. It goes on to say that the user accepts all responsibility for losses resulting from those errors. 
I do n't think that Wells has acted in good faith in abiding by this section : 1 ) they told me where the money was and gave me the tracking number and the routing number and name of the institution where the money went-so they know where the funds went. Giving me this information does not sound like a good faith effort on their part to 'reverse or delete such instructions ' ; 2 ) I called and asked Wells Fargo to simply reverse the wire transfer and obtain my funds back. They indicated they could not do that. 
Well, their disclosures indicate 'good faith effort ' but their real actions on this were similar to throwing their hands up in the air and doing nothing on my behalf. 
Section XXXX B indicates that payments are not final for 60 days and the member may seek to recover funds during those 60 days. While this applies to payments received by members, it certainly indicates : 1 ) there is a process for recovering payments and 2 ) payments made within 60 days are definitely open to being recovered. I notified Wells within 5 days of the error and have received nothing from them except indications that they can not, or will not, do anything to correct this error.
Consumer complaint received 2016-05-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

I deposited a check in the amount of {$5000.00} XXXX dollars to my US Suntrust account on XXXX XXXX 2016. The check is scheduled to clear by XXXX XXXX 2016 at most according to the banks fraud protection/funds verification section. This is fine. On XXXX XXXX 2016 Suntrust debited my {$1200.00} for the conversion rate and did NOT credit my account the {$5000.00}. in addition to debiting my account they charged me an overdraft fee of {$36.00} which was only an overdraft because of the {$1200.00} they debited without crediting the {$5000.00}. Supervisor XXXX at ph : XXXX stated that there is nothing she can do to credit the account the {$1200.00} until the {$5000.00} clears nor can she pre-clear the {$5000.00} to compensate for their debit and she does not understand why this happened. I have no liquid assets available, this is an atrocity and theft. Supervisor XXXX also stated that she can not
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is showing on my credit accounts " Discharged through Bankruptcy XXXX XXXX '' It says I was late or bankrupt but I can't find any proof of that. I have no bankruptcy accounts on all 3 of my bureaus. You know those cases, XXXX XXXX Experian XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, please update it to " paid as agreed, never late ''? If you find any proven evidence Also date, time and place and what measures was taken to verify this information then please send me the name, company and employee who verified the information. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX

Ive attached my credit report from all 3 credit bureaus side-by-side proving i have no bankruptcies
Consumer complaint received 2020-08-18
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: Berlin-Wheeler, Inc. (Kansas) (GA)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), BERLINWHR-KS ( Original Creditor : 10 XXXX XXXX XXXX ), and XXXX XXXX  ( Original Creditor : 10 XXXX XXXXXXXX XXXX XXXX XXXX  ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX   XXXX ), BERLINWHR-KS ( Original Creditor : 10 XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-01-13
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)

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 

According to the above mentioned act and more precisely 20 USC 1232g ( b ) I have the right to privacy when it comes to my education records. section 1232g ( 4 ) ( A ) also includes the definition of an education record and what information that entails. It states that directory information only is to be included in these said reports. 

For example it states ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; record-keeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following It then goes on to break down each exception and consumer reporting agency is not listed as one of the acceptable parties. Furthermore the U.S. Dept of Education does not have my written consent to furnish my information and records to Experian.

The act in its entirety is uploaded as proof of claim.
Consumer complaint received 2024-01-13
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. (TX)

This complaint is for the multiple late payments found on my credit report as of XX/XX/2024. 

According to 15 USC 1681a Exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction -Transaction 1 : something transacted : an exchange or transfer of goods, services, or funds Therefore reporting transaction history such as late payments are illegal. 

These transactions have reported on my accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. 

15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, Experian, & XXXX are NOT maintaining reasonable procedures. Furthermore 12 CFR 1016.7 states that " A consumer may exercise the right to OPT-OUT at anytime. '' Once again I am OPTING OUT of your reporting services for violations listed above. 


NOTE : This is my 3rd complaint addressing these issues and nothing has changed. These transactions are damaging my credit score and affecting my life.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I dispute the following information that still appears on my Experian report as of XX/XX/XXXX : which is previously disputed for inaccuracy reporting. On XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I advised Experian that this is my THIRD WRITTEN REQUEST asking to remove or delete unverified inaccurate account listed above. 

I also notify Experian that I have reach out to the company and provided proof of my conversation that there is no account of the information that's being report which is associated with my personal information.
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I have previously requested for GreenTree-Ditech to provide direction to the obligees as to the handling of payments upon liquidation or sale of the XXXX XXXX XXXX. I have reason to believe that such liquidation or sale will be forthcoming. To date I have never received any such direction.

The over-riding question is why is Green Tree-Ditech still allowed to service my loan? Why hasn't my loan been reasigned to a company with liquidity and staff sufficient and adequate to perform the stated public offering?

Green Tree-Ditech is in breach of its own loan covenents. Perusal of its open positions indicates that it is unable to hire staff. Green Tree-Ditech has been untimely in the filing of its SEC periodic reports. The monthly billing statements continue to be irregular with respect to the dates on which these statements are received by me. These statements need to show three dates : Date of Data, Date of Preparation of the Statement, and Date when the Statement was handed over to the U. S. Postal Service.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

Opt-Out Notice Nondisclosure Option Please consider this formal notification that I, XXXX, a consumer entitled to the protections of 15 USC 6802 , am herewith exercising my right to revoke any and all authorizations, explicit or implied, written, verbal, or non verbal, that I may have previously granted to MIDLAND CREDIT MANAGEMENT. 
This opt-out applies to all past, present, and future authorizations related to Nonpublic Personal Information. I kindly request that you remove my information from any relevant lists or databases and cease any further activities authorized under the previously granted permissions.

Thank you for your prompt attention to this matter. Please confirm receipt and processing of this opt-out request at your earliest convenience. 
Sincerely, XXXX XX/XX/2023 2023
Consumer complaint received 2024-01-13
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. (OH)

The Executors reviewed the surety report and identified multiple cases where the report was accessed and shared without proper authorization. The mentioned accounts did not receive approval to access the Executor surety report, and there was no direct benefit received by us. The credit accounts in question were not authorized by the Executors XXXX XXXX XXXX XXXX and are considered nonconsensual. We do not recognize these inquiries, and unless you can furnish a copy of the authorization by the Executor, we request the immediate deletion of all listed accounts. 

XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-05-11
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. (CA)

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I recently called the company XXXX XXXX XXXX to obtain a wet signature of contract to verify they the debt was mine I received no response. I filed a CFPB and FTC complaint with the company. I receive nothing. They deleted from 2 credit bureaus expect one! They are damaging my credit which is a defamation to my character! They have not supplied the credit bureau or me with any verification. They have violated numerous laws! I am Demanding Deletion from my consumer report or else I'm going to pursue litigation. Ive called this company numerous times all I get is hung up on. previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". failing to comply. ask for the bookkeeping entry and the chain of title for the debt never received it. Ive been disputing this company 7 years! Ive sent letters after letters. Removal of inaccurate invalidation CODE DF
Consumer complaint received 2024-01-13
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. (MI)

The Executors scrutinized the surety report and identified several cases where the report was accessed and shared without proper authorization. The mentioned accounts were not granted approval to access the Executor surety report, XXXX XXXX, and there was no direct benefit received by us. These credit accounts were nonconsensual, and we do not recognize them. Unless you can furnish a copy of the authorization by the Executor, we request the immediate deletion of all accounts listed below. 

XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-01-13
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. (TX)

I've been reaching out to XXXX XXXX XXXX XXXX in regards to reporting my utilization, which is a violation of Title 15 Usc code 6802. XXXX XXXX XXXX XXXX is violating my rights as a consumer by not giving me the option to opt-out. XXXX XXXX XXXX never provided the opt-out disclosure to me, which is their clear obligation to provide.
Consumer complaint received 2024-01-13
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. (FL)

I sent a formal request XXXX XXXX XXXX XXXX XXXX to opt out of authorization for information sharing under 15 USC 6802, a statute governing the privacy of personal information. The letter requested that the recipient acknowledges and confirms in writing that the sender 's information will no longer be shared with non-affiliated third parties. It emphasizes the importance of privacy protection and requests a prompt response from the recipient. I have not received correspondence of the letter.
Consumer complaint received 2024-01-13
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. (FL)

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account # : XXXX and 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 a account without my written instructions
Consumer complaint received 2024-01-13
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. (CA)

in accordance with the fair credit reporting act this creditor has violated my rights, under 15usc1681 section 602 states I have the right to privacy 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card account under open consumer credit plan as late for any purpose
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-01-13
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)

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following inquiries were not authorized by me and I request removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-27
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous 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 FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-01-13
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. (TX)

I've reached to XXXX regarding this fraudulent item being reported by Experian and requested an original contract with a wet signature to verify the alleged debt. XXXX has failed to provide the requested information and has violated my consumer rights per Title 15 USC code 6802. XXXX failed to provide any disclosures that would allow me to opt-out of reporting as a consumer, which is their obligation. XXXX and Experian continue to practice in an unlawful manner, which could lead to legal action.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I had a delinquent account with a substantial balance. I paid the account off in full through an agreement. The credit report is still showing an account balance when there is a XXXX balance, as agreed with the original creditor.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I had a delinquent account with a substantial balance. I paid the account off in full through an agreement. The credit report is still showing an account balance when there is a XXXX balance, as agreed with the original creditor.
Consumer complaint received 2020-05-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I went over the miles on my lease and discovered that they were charging me XXXX per mile. However, the lease as written ties " excess use '' to any repairs needed to repair problems caused by excess use. My vehicle was turned in in perfect condition and didn't need any repairs. Also, the XXXX charge is excessive and bears absolutely no relationship to any diminution in value to the vehicle. When I call Infinity they lie about the terms of the contract and refuse to reduce any of the excessive charges.