davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

Experian, the credit reportng agency has a serious flaw with thiercredit file freeze system and service. BEWARE ; if you need to use your credit file prior to recieving your security pin by mail, which can take ten days, you wil not be able to have any credit checks. 

I spent hours on the phone with Experian today and after following the insructions to get my pin number online from the experian website, i was blocked repeatly, every step of the way. It even blocked from verifing my own identity, blocking me and constantly saying to wait until i recieve my pin by mail. I never had this problem with the other two credit agencies. 

I needed my file unfrozen in order to get approved for an apartment and was denied both by the landlord and experian because my file remained in freeze mode. Experian needs to fix this issue FAST!! 

My next step is to file a multi-million dollar lawsit against experian for this flaw in thier system
Consumer complaint received 2022-08-05
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. (NY)

Hi, I have sent letters to Equifax to remove the following from from my consumer report because they are not my accounts and considered to be fraud : XXXX XXXX {$6900.00} XXXX XXXX {$4600.00} XXXX XXXX 's {$420.00} XXXX Pursuant to U.S.C 15 1681a ( 3 ) Equifax assume the role to report these accounts on my consumer report and I was not contacted to report the above accounts. I did not give Equifax the permission or consent to report the accounts on my consumer report. 

Pursuant to U.S.C 15 1681a ( 4 ) There is a need that consumer reporting agencies exercise their grave responsibility of fairness, impartiality and respect for the consumer 's right to privacy.

Pursuant to U.S.C 15 1681b ( 2 ) I never instructed Equifax to create this report and I never consented to this report initially. The idea of listing the accounts without my knowledge and consent is against the law and is a violation to my consumer rights.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

This company Jefferson capital slapped this account on my credit report without first sending a notice of my rights to dispute which is a violation of the fcra they also failed to validate this account just as the company before them that they bought this debt from failed to do so as well. That is a violation of the fdcpa..I called this company to have them remove this information because of these violations and they hung up in my face. This company is practicing illegally and I am ready to file a suit if this account is not removed from my credit file immediately!!! They will be fined for each violation if they continue to report this invalid account.
Consumer complaint received 2024-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wish to dispute an inaccurate derogatory item on my credit report that has potentially harmed my credibility. I have identified several mistakes and inaccuracies in your reporting. Please review and promptly remove these errors, ensuring compliance with all relevant regulations, laws, and reporting standards. This challenged information must be
Consumer complaint received 2020-08-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC (AZ)

I am past due of a small amount on a loan through Cash One. I have repeatedly tried to call and explain my dire situation, and i am now being harrased and abused. I have been told i am a low life, money sucker, lying, pathetic person. They will not notate my account and continue multiple times a day to harass and threaten me. I have tried to talk to a supervisor and no one will ever let me do that. This is so upsetting and makes me feel like a completely XXXX person because of how they are treating, threatening, abusing, and harassing me.
Consumer complaint received 2024-02-03
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. (OH)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2017-09-26
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: Innovis (WI)

Without my authorization CBCInnovis made a hard inquiry that i believe is a violation. CBCInnovis is a company I do not recognize. I called the company and after a run around, XXXX XXXX told me that they would investigate the inquiry to provide proof of my authorization.. They then mailed the investigation report that included a unsigned loan application and unsigned authorization to release information claiming this my authorization. It is not it. I called XXXX again and call was unpleasent. Now CBCInnovis say they are just the middle company providing a service to a bank and that I should call the bank. CBCInnovis business practice and information control are seriously flawed and need to be corrected to protect consumers Details Hard Inquiry Dated XXXX XXXX, XXXX CBCInnovis 1st Call  about XXXX XXXX, XXXX Mail recieved XXXX 2nd call XXXX XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

My account was closed for cause. I deposited two third party checks and the next day my account was frozen and closed for cause. I ended up having to call the check issuer a and have both checks re-issued. Wells Fargo has reported to XXXX that both my savings account and checking account were closed for cause which has caused me to be unable to open a bank account. The banks are too quick to close for suspected fraud which is causing many consumers unnecessary inability to open a bank account.
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (DE)

During the checkout process for a {$92.00} online purchase from Wayfair, I was solicited for a {$40.00} credit off my purchase for opening a Wayfair credit card ( Comenity Bank ). Because I was offered a credit of {$40.00} off my purchase, I applied during the checkout process. My application was approved and the purchase was automatically billed to the new Wayfair account. I received my Wayfair statement XX/XX/20. I did not receive the {$40.00} credit. On XX/XX/20 I called the Wayfair credit company ( Comenity Bank ). THe  representative said he would complete a dispute on my behalf since I did not receive the {$40.00} Credit. I was concerned because the bill was due by XX/XX/20. He said during the dispute process I would receive a provisional credit. I called again on XX/XX/20 because I had not received the dispute letter or a provisional credit on my account. The representative said they did reach out to Wayfair about the dispute, but had not received a response from Wayfair. She then told me that my purchase did not qualify for the offer. She said they had to wait for Wayfair to respond. Because the bill is due soon, I called back again XX/XX/20 to confirm if the provisional credit was applied and to confirm the name of the bank. The representative said the provisional credit was still not issued. She also advised that because my purchase was less than {$150.00}, it did not qualify for the credit. 

When I was solicited by Wayfair during the online checkout process, it was not disclosed to me that a purchase of {$150.00} was required for the {$40.00} promotional credit. Furthermore, if my purchase did not qualify for the offer, Wayfair should not have solicited me for the offer during checkout of my {$92.00} purchase!
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion, XXXX, XXXX is reporting inaccurate information on my consumer credit report. They are reporting late payment, charge off and inquiries and promotional inquiries in which I never approved. Also they are reporting my utilization in which they are not suppose to .The law states its illegal to report late payment history. The IRS states that charge offs are consider as income and should not be reported on ones consumer report. They are also in violation of the privacy act of 1974 5usc552 ( a ).
Consumer complaint received 2016-07-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo Bank made an unauthorized draft against my business checking account last night : XXXX/XXXX/2016 DEBIT WELLS FARGO CARD PHONE PYMT - ********** {$400.00} ( {$270.00} ) This unauthorized access to funds in my account resulted in my account being overdrawn. In addition to this, other legitimate transactions were posted to my account after it was overdrawn and overdraft fees in the amount of {$65.00} were assessed by my bank. 

Fortunately, I discovered this situation this morning and my bank is being very helpful in addressing it. I have been using the phone payment feature at Wells Fargo for the past several months, but this most recent draft against my account was absolutely unauthorized. I had not had any communication with any person representing Wells Fargo to authorize this. 

This is actually not the first time such a thing has happened. The first time was confusion about how many electronic drafts I had authorized ( I had authorized XXXX payment, but because of poor communications I can see how they have plausible cover thinking I had authorized XXXX ). 

This time, there was zero communication between myself and Wells Fargo, only an electronic draft issued last night in the amount of {$400.00}, which I discovered this morning. 

I have had a history of slow payment on this account and Wells Fargo has normally been reasonable about letting me get the account caught back up. 

I happen to be still behind schedule ; I am currently due for two month 's payments after having been even further behind during the winter months. 

No doubt this is the reason someone at Wells Fargo made the decision to access my bank account without authorization from me. 

I understand Wells Fargo 's expectation to be paid but they are not authorized to access my bank account without my permission, as they did last night. I note that this transaction occurred across state lines. 

My bank is taking care of the immediate matter by refusing the draft from Wells Fargo and by crediting my bank account in the amount of the returned items fees I was assessed after my account was emptied by Wells Fargo.
Consumer complaint received 2024-02-03
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. (FL)

consumer applied for a personal loan with XXXX XXXX XXXX XXXX as a federally protected consumer I have notified the credit agencies Transunion, XXXX and XXXX I opt out of the reporting of my payment history -personal information excluded from the consumer report per congress per 15 USC 6802 ( b ) ( 1 ) ( B ). 15 USC 1681a ( 2 ) ( A ) ( i ) ACCORDING TO CONGRESS TRANSACTIONS AND EXPERIENCES ( PAYMENT HISTORY AND UTILIZATION ) BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE EXCLUDED FROM THE CREDIT REPORT under 15 USC 6802 XXXX IS AN FINANCIAL INSTITUTION XXXX IS THE UNAFFILIATED XXXX PARTY THE PROPER DISCLOSURES REQUIRED BY FEDERAL LAW WERE NOT GIVEN BEFORE THE DISCLOSURE EVENT NOR WAS I THE CONSUMER GIVEN THE OPPORTUNITY TO EXERCISE THE NON DISCLOSURE OPTION15 USC 6802 ( b ) ( 1 ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX HAS FAILED IN GIVING THE CONSUMER THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE DISCLOSED TO SUCH THIRD PARTY OR EXPLANATION OF EXERCISING THE NON-DISCLOSURE OPTION. PLEASE REMOVE PENFEDS REPORTING ITEM ON THE CREDIT REPORT I DO NOT CONSENT AND WILL NOT CONSENT TO SUCH REPORTING OF MY PERSONAL INFORMATION
Consumer complaint received 2024-02-03
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. (TX)

I noticed on my credit report there is a late payment with XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 any purpose.
Consumer complaint received 2024-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have made over XXXX disputes for over 10 months. XXXX is XXXX on usbank credit card! It continues to say in dispute status and has never been resolved. It once said XXXX balance then they added balance of {$3600.00} back on.
Consumer complaint received 2017-02-20
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Lennar Financial Services, LLC (NV)

Our home was sold XXXX, 2016. The realtor " advised '' me not to air my dirty laundry in the mortgage disclosure. Consequently an unfair distribution of funds between husband and I were distorted. In the divorce settlement he was allowed to keep my refrigerator and washer/dryer and never addressed the loss of my XXXX carat black opal with XXXX ounces of gold and I was never compensated. He was allowed to place the tax distribution at 50 %. 
He received {$26000.00} for the down payment for the house which came from an inheritance then 50 % of the remaining balance of {$41000.00}. He received {$33000.00} and I received a little over {$11000.00}. 
Additionally all of the tax returns were cashed by my ex and never divided between us.
Consumer complaint received 2017-09-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I called Navient about re-certifying my student loan, but I was redirected to a company that offered to consolidate my loans for a fee. They wanted pictures of my I.D . and credit cards. Their website is nothing but a XXXX blog. 
XXXX XXXX XXXX I did n't pay them anything, but I am appalled that Navient would let me be automatically redirected to such an obvious scam.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Greetings!! it has came to my knowledge that my credit report has been inappropriately used or reported because there are some account on my credit report that i do not know anything about nor benefit from those account this must be due to some breaches.reporting inaccurate account on my credit report violate my consumer rights and I have contacted the parties involved to make sure that all the account listed that i do not authorized should be removed and deleted with immediate effect. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-08
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (UT)

In XXXX 2016 I applied for a Home Mortgage at my Local Credit Union, my credit score exceeded the XXXX score but FHA would not even attempt the loan until a judgment ( which I had no knowledge ) was satisfied with Wells Fargo Bank, even though I disputed this judgment to speed up the process I decided to just pay it and move on. Through 3 days of phone calls including Wells Fargo 's Attorney whom filed this, and the court ( XXXX Judicial in XXXX Utah ) to figure out whom to pay, they both told me the only way to satisfy this judgment is to pay Wells Fargo, I went again to the phones and Wells Fargo would not take my money or even give me a name or number to contact, I with drew my offer on the home and basically gave up, I have a small farm, I have many animals counting on me, I also have a XXXX daughter living with me, so this home and property were very important to me. Last week, the First week in XXXX I decided to try again, by know our situation is pretty desperate, one can not find a small farm to lease or rent, its impossible. Again the Judgment showed on the credit report, I contacted all the same names and numbers from Wells Fargo Bank, Their Attorneys ( XXXX and XXXX in XXXX ) and the Court, I am back to where I was in XXXX. I finally walked into a local Wells Fargo XXXX in XXXX, Utah. XXXX XXXX was the banker I met with and she was very kind and helpful, she took a day or two working on my issue, called me back and was as frustrated as I was. She must have had some luck because within a couple days I got a call from Wells Fargo, they explained I was dealing with the highest level possible, the # was XXXX. They assigned me a Rep, XXXX XXXX. He explained it will take up to 10 business days and would not guaranty they would fix the problem, well after 5 days XXXX XXXX I lose my option on another small farm I put some earnest money on the first of XXXX. Even at the management level they were either unwilling or unable to help me, There are considerable mistakes, wrong address, basic math errors, and other issues with the Judgment, even after all that I was willing to pay it, Wells Fargo will not take my payment or dismiss this judgment or whatever, therefore they have hurt my chances at home buying twice, filed a judgment which has teared my credit apart, my emotional stress has been off the charts, and I am at my whits end of what to do, and they will offer no solutions, they should have been willing to help this along, it makes fairness stand on its end. I am hoping you folks can help me ASAP. Thank you so much, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-03
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. (TX)

I noticed on my credit report there are 7 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 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 any purpose
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (VA)

I withdrew the funds from my checking account because I was disappointed in the interest I was getting from the Bank. I then informed them that my account should be closed immediately. They said that because my balance was {$.00} they could not close my account. This balance is not visible to me, they suggested I go in to claim my XXXX cents, but due to my son battling XXXX I'm unable to get into a branch. Why can't they close my account because they claim I have a balance my online account doesn't even show? This is ridiculous and clearly, so they can charge me fees at the time of the monthly billing because my account will be below the required balance.