davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo Bank. I am a checking account holder in MA, where WF has NO locations. WF was hacked a few months ago and notified me that my account was among those compromised in this data breach. As a result, WF encouraged the opening of a new checking account, which I did. They also provided me free credit checking services for a period of time. Since that time, WF has been witholding $ $ from my monthly interest payments, indicating that they do not have a properly filed W-9 on file. WF sent me a W-9 form, which I completed and returned. SO, AS REQUESTED BY WELLS FARGO, I HAVE COMPLETED AND SENT IN THE W-9 FORM I RECEIVED FROM WELLS FARGO AND SENT IT BACK TO THE REQUIRED ADDRESS BY ( 1 ) REGULAR US MAIL, ( 2 ) FAX, AND ( 3 ) XXXX FOR WHICH I HAVE A RECIPT -- -AND STILL the withdrawal/holdings continue. The latest response to this ongoing issue? -- -I rec 'd a response sending me a copy of a deposit requirement and a suggestion that I complete and send in a W-9 form. This is madness -- -and in my view, a violation of the Massachusetts Consumer Protection Statute c.93A. WF had a breach, and they are now imposing a hardship on a customer as a result. Indeed, one WF customer representative advised that I just drop the issue and deal with the withholdings at tax time. This bank is incompetent.

I DO NOT want or need more calls or letters from WF customer service apologizing -- -just find the form I have sent in 3 times and resolve this. 
Please help
Consumer complaint received 2023-12-18
Product: Credit card — Store credit 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: CLGF Holdco 1, LLC (WA)

I have disputed a purchase in the amount of {$1800.00} two times already. I have sent police reports of my car being broken into and my wallet being stolen same day that purchase was made. I also made a police report for the fraudulent charge with XXXX XXXX. I have sent All information they have requested. They are holding me liable due to my driver license being present at the time of purchase. My whole wallet was stolen so of course the thief had my driver license as well. The company will not accept another dispute and is making me pay for the fraudulent charge!
Consumer complaint received 2023-08-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-18
Product: Credit card — Store credit 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: WELLS FARGO & COMPANY (NV)

It's hard to have the dates because dillards ( via Wells Fargo ) closed my account and opened a new one in my name, and I have lost access to all previous records. 

Around XX/XX/23 someone used my card/SSN t make a purchase at a physical Dillards store in XXXX, CA. I do not live in CA< nor have I ever been to a Dillard 's store in CA. I filed a dispute a few days later. I received temporary credit, but then was reversed when my claim was denied.

I called to complain, they re-opened the claim but said I had to pay a {$29.00} late fee and {$13.00} ( and running ) in interest. They sent me forms to dispute their denial, but are still denying my claim. I do not know what to do at this point, and they are about to ruin my credit. I had to file BK 7 years ago, and have had a perfect credit history since, and it is all about to get ruined. Every single time I call, they do nothing at all to help me, and will not even let me speak to anyone in charge, They said it was denied ( at first, at least ), because the rep who took my original claim, for some reason, included another charge from dillards.com ( which was a legitimate charge ). They will not stop talking about the charge I always ( and still ) acknowledge as legitimate, so I am getting nowhere.
Consumer complaint received 2021-09-19
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. (NY)

I am filing the complaint against XXXX, XXXX, Transunion because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Consumer complaint received 2023-02-23
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. (NJ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXXXXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX  XXXX charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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. (PA)

XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX Updated:XXXX 1 late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!
Consumer complaint received 2023-10-18
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. (PA)

XXXX XXXX XXXX  Status : Open Date opened : XX/XX/XXXX Payment summary XXXX XXXX XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - XXXX - XX/XX/XXXX- XXXX - XXXX - Three late payments ( XXXX ) According to the consumer law 15 U.S. Code 1681a - Definitions ; rules of construction I hope this letter finds you well. I am writing to request information regarding 15 U.S. Code 1681a, which pertains to definitions and rules of construction within the United States Code.
Consumer complaint received 2020-07-02
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)

I'm writing to correct my personal information on file with your company. After reviewing my credit report I found out address where I have never lived before. Please see remove this address as soon as possible from my credit report. 

My true personal information ; Full address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Full name : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1963 I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not reportable as per the FCRA, since they are inaccurate. 

Fraud Address in my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please remove this address as soon as you can.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I submitted a completed application for the XXXX repayment plan on XX/XX/2023. By XX/XX/2023, Nelnet had still not approved the application, citing high application volumes. However, my loans started accruing interest that that time. XXXX days later on XX/XX/2023 the interest has accrued to {$950.00}. 
Nelnet emailed me on XX/XX/2023 to inform me that my loans had been placed in forebearance while they reviewed my XXXX application. However, interest will continue to accrue while they wait to review the application! The email stated : During your forbearance, interest accrues on your outstanding principal balance. Youre responsible for the interest, but you have XXXX options : XXXX. Pay the accrued interest before your forbearance ends, or XXXX. Make no payments during the forbearance. The payment ( s ) made following the end of your forbearance will be applied to any unpaid accrued interest and then to your outstanding principal balance. 
Interest should not accrue beyond the principal balance once my XXXX application is accepted. By delaying the acceptance of my application, Nelnet is significantly increasing the amount for which I will ultilametly be responsible for repaying. I submitted the application with over XXXX months for them to approve it. High volumes should not be an excuse, or a way for them to charge me interest.
Consumer complaint received 2023-10-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: HIGHLANDS RESIDENTIAL MORTGAGE (TX)

I closed on my loan on XX/XX/2023. With Highlands Residential Mortgage, my first payment was made in XXXX via cashier check to Highlands Mortgage, as advised by the loan XXXX, XXXX XXXX I received a letter of transfer to a new servicer in XXXX stating that the loan had been transferred to XXXXXXXX XXXX. The payment in XXXX was made to XXXX. In XXXX, I received a letter again stating that the loan had been transferred to XXXX, but in a weird format because it was from HIGHLANDS to HIGHLANDS but with a different loan number. I communicated this with XXXX, my loan XXXX, and she acknowledged that they now have my loan back. So, my XXXX payment should be paid to " XXXX ''. I set up auto-pay, but I saw that the money hadn't been taken out of my account. I couldn't make a one-time payment because it indicated that I still had a XXXX payment due. The issue has remained unresolved despite multiple calls and visits to the XXXX office. I want to know why XXXX is not accounting for the payment I made in XXXX through a cashier 's check.
Consumer complaint received 2022-12-21
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: DISCOVER BANK (NY)

Attn : XXXX, NY Attorney General, Securities Exchange Commission I would like to make an official complaint against Discover Financial Services and the XXXX XXXX and XXXX National Consumer distance Center, XXXX XXXX Although I have sent very specific documents that show that not only was I not the owner of the XXXX credit card debt totaling {$890.00} but that these agencies aforementioned are in direct violation of my consumer rights.

The violations that I have highlighted and addressed in the documents mailed to Discover Financial Service, XXXX, and XXXX are the following : Violation of Consumer Rights Symbol on a document stating a debt is owed. 
Validation only the consumer can validate debts Harassment or abuse Civil liability Furnishing certain deceptive forms Legal action by debt collectors Unfair practices False and misleading Communication without permission.

Acquisition of location of information Accuracy and fairness of credit reporting Obligation with respect to disclosure f personal information of the consumer Transactions other than under open end credit plan Apart from my list of violations I have also included : Exhibits, that show the inaccuracies that have remained on my credit report as a result of the errors made by Discover, XXXX and XXXX. Please find below a list of the documents that were also included in the package mailed to these aforementioned corporations. 

Letter of Dispute and Complaint Debt validation letter Affidavit of truth Notice to : Cease & Desist To date although I have made these agencies aware of their error this Discover account remains on my personal credit. It is my intention to pursue this case in XXXX XXXX next.
Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Fox Collecent I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights and 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 15 U.S.C 1681c. section 602 A. States I have the right to privacy.

15 U.S.C 168 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

15 U.S.C 1681s-2 ( A ) 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 2021-04-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (IA)

I couldn't afford my payment so I tried to refinance but they wouldn't allow it so I had to make payments as I could afford. They called me nonstop, using aggressive tactics, they've called me, my parents, my husband, my in-laws, my work. They leave a voicemail at my work every single day. I sent a cease and desist letter 9 days ago and they received it 3 days ago but have continued to call me every single day.
Consumer complaint received 2020-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have 2 medical collections on my credit report that are a result of identity theft. The name of the collection agency that the debts were sold to is Account Resolution Services ( ARS ) and this is the company that has been harassing me to pay a debt that is not mine. The dates they were opened and the amounts of these 2 collections are as followed : ( XXXX ) {$1300.00} and ( XXXX ) {$980.00}. Ive made several attempts disputing and informing ARS under the FCRA that this is not my debt and that they need to remove it immediately. These attempts date back to XX/XX/XXXX but yet nothing has been removed.
Consumer complaint received 2023-01-11
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights and 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 XXXXt XXXX 15 U.S.C 1681c. section 602 A. States I have the right to privacy.

15 U.S.C 168 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years. 

15 U.S.C 1681s-2 ( A ) 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.