davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I signed up for advertising account through XXXX with an representative and I was told by the representative that there would be a flat fee rate and I would not go over my budget. I have a confirmation of services. After signing up, XXXX started billing out of budget. I didn't catch the initial charges but notice that my account was negative. I contacted my representative but did not get any response, so I contacted the company ( XXXX ). I was told to submit a refund request. I did but nothing happened and I continued to get charged. I was told that I had to manually cancel from the website but it was not easy and had to be walked through from another representative. This process was long. I contacted my bank and told them what was going on however I was told nothing else was needed and they would contact me if so. I waited an email but Wells Fargo sent a letter to my mailing address instead of contacting me by email as I contacted them. I didn't get the correspondence within time so my claim was denied. I have the initial contract between XXXX and do not see how a company can charge whatever they feel and my bank that should help me, left me paying a fee that was never agreed. I am a small business owner and can not survive with companies taking advantage. I really thought my bank would help but was never given an opportunity. This charge has caused my account to be affected negatively in not acquiring help from other due to the incidents. This was a huge hit to my company financially.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (NY)

Since XX/XX/2022 Ive been dealing with a very irregular experience regarding getting my home refinanced with Nationwide Mortgage Bankers inc. From what I researched about refinancing a home this process has been taking way longer than it should. I was told back in XXXX that this would be a very simple refinance since my payments are always on time but then a month later, I was told that I didnt have enough income. Due to this, my dad agreed to co-borrow his credit since his credit is good and has his home entirely paid for. So once again I was told this process would be simple and smooth. All of the paperwork I was told was needed was emailed to the same gentleman, XXXX, every week. Yet every time he would tell me a different excuse which included him being busy with his girlfriends birthday, a car accident, and helping his mother. The last thing I was told by him was that he was relocating to Florida and that a new gentleman, XXXX, would be taking over my case. I was told by XXXX that this case transferring would not interfere with my process. I continued to attempt to call and text XXXX after this but received no reply. 

After XXXX took over the refinance all of the paperwork that was already sent to XXXX had to be resent to XXXX. XXXX was apologetic as this wasnt really his fault. I was then told that since my case was coming to a close, I wouldnt have to pay my mortgage for 2 months. I did as I was told, and my XXXX payment ended up being late due to the false information I was given. Im still being told that my refinance is pending all paperwork, but this has been going on for months. 

XXXX recently called and texted me saying he was in the hospital for three weeks and said he heard I was upset so he sent several text messages claiming that hed check back on my refinance. He sent these text messages because I had told his coworker previously that I was seriously considering speaking to management and was told that he ( XXXX XXXX was management. I have several text messages saved of his unprofessionalism. XX/XX/XXXX was the first time I got a different person on the phone who then told me who the actual management was. She, XXXX, told me she would send their management a message and include XXXX, XXXX, and me to the email. Once the email was sent, I kept receiving very unprofessional text messages from XXXX that I have no problem sending if you would like. 

Nationwide Mortgage Bankers at large has been incredibly unprofessional through this experience and this process, namely the text messages that I received from XXXX, made me extremely uncomfortable and disheartened. I hope that this can be rectified in the very near future.
Consumer complaint received 2022-06-08
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # 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 2023-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MI)

I have been for the past few months tried to pay off a portion of my student loan debt. 

Within a few days the payment is received and cleared through my bank. Then it is REVERSED by my loan servicer. 

My loan service is Ed Finical. This is a common tactic it appears from other unfortunate customers. They will '' accept '' payment then quickly reverse it until an actual of interest is applied for late payments! 

I can and will happily provided evidence of my attempts to pay for the previously stated months.
Consumer complaint received 2022-06-08
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. (NJ)

in accordance with the Fair Credit Reporting act XXXX Account # 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 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (DC)

On XX/XX/ I received an email from Chase bank notifying me that they received an application for a Chase Freedom Unlimited Card in my name. I did not apply for this card. Since it was already evening I decided I would call in the morning to report the error. Unfortunately, Chase approved the application during the night. I called around XXXXXXXX  on XX/XX/ to report the fraud. Chase 's fraud department informed me that since the card was already approved I needed to call customer service. I then called customer service and closed the account before any charges could be made. Subsequently, Chase provided me with a letter confirming the account has been closed but they refused to include any information on the letter about the fact that the account was opened without my permission. Next I contacted XXXX and placed a freeze on my credit report. I also filed a dispute to have the account and inquiry removed from my credit report. XXXX completed their investigation but refused to remove the account without a letter from the CFPB. That is why I am filing this dispute.
Consumer complaint received 2023-01-17
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: Consumer Portfolio Services, Inc. (MO)

On XX/XX/XXXX I went to a Dealership at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Collection account from Unknown with account # XXXX and a balance of {$75.00}. The original creditor is Unknown. 
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. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX 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 promptly delete.
Consumer complaint received 2022-06-08
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. (OK)

Inaccordance with the Fair Credit Reporting Act XXXX has violated my rights in 15 u.s.c section 1681 sections 602, 15 u.s.c section 604 section A2 also states a consumer reporting can not furnish a account without my written instructions, they also violated my rights under 15 u.s.c. 61 81 section 611 5 the law clearly states if items are found in accurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer .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 2022-06-05
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. (PA)

In response to CFPB complaint # XXXX regarding account number XXXX XXXX XXXX stated " upon receipt of your complaint a thorough investigation was completed. I would like to know how your investigation was completed. 
XXXX stated " Statements were uploaded to the account online and can be viewed through our website or mobile app. Emails were also sent advising of the past due payments and that if the account went 30 days past due it would be reported to the credit agencies. I am unaware of such notice. And I also did not get a notice to opt of credit reporting. If such notice was sent I will need confirmation such as a certified letter with return receipt with a tracking number. I believe that the charges are inaccurate and I will need you to cease communication in regards to this alleged debt. ( see cease and desist letter attached ). I am aware of 15 U.S.C. 1692g ( a ) ( 1 ). allows me to request the amount of the alleged debt and how the amount of this alleged debt was calculated. Please keep in mind that this is only a request for validation of the amount of this alleged debt. Please be clear on where the debt originated, how it was calculated and any supporting documentation that proves your claim is valid. Please keep in mind I am not requesting that you send me proof of location information. I am only requesting the alleged amount of this debt you claim I owe and how it was calculated. If for any reason you can not provide me with this information I will need XXXX XXXX to clarify this as a billing error. Also keep in mind that the account should be updated to PAID AS AGREED. 
I am aware that the reporting of negative information to a consumer reporting agency is a direct violation of 15 U.S.C 1681s-2. 
I never gave consent for XXXX XXXX to report any negative information to any consumer reporting agencies, and be aware that AGGRAVATED IDENTITY THEFT CARRIES A TERM OF 2 YEARS OF INPRISONMENT. 
Any payments made to this account shall be returned immediately. 
Best regards XXXX XXXX.
Consumer complaint received 2022-12-30
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. (FL)

the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXX  Account Number - XXXX Late Payment - XX/XX/2017 Please update as soon as possible.
Consumer complaint received 2022-06-08
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: Santander Consumer USA Holdings Inc. (CA)

I went to the dealership for a new car and I picked out a XXXX. They told me they would run my credit under XXXX lenders only. Days later I saw a million inquiries I didnt approve of. They lied to me.
Consumer complaint received 2022-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In regards to XXXX XXXX XXXX  - account ending XXXX - unable to get access to my account information therefore unable to provide full account number Have tried numerous times to get the debt validated with original contract from the creditor with no response. I asked then asked the credit bureaus to validate the debt. 

Inaccurate information being reported from this company. The account is paid in full. 

My rights are being violated.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-08-22
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. (TX)

FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXXY XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX A XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open.
Consumer complaint received 2023-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (MD)

This is a follow up to The Navy Federal case that I have been trying to settle for several Years. The XXXX XXXX XXXX has added an additional XXXX in fees and interest after refusing to settle the case for XXXXXXXX XXXX. I also attempted to settle for the XXXX and I could not reach XXXX who made the offer after they brought a judgment to court. I never got a return call from XXXX. I only spoke to XXXX XXXX who stated they would never settle for XXXX. I brought a motion to court this month and spoke with the attorney and I am awaiting a settlement amount in writing that could bring this to a close. I hope they are reasonable. adding an additional XXXX is also a problem as no one reached out to me for a year and a half. They also began garnishment of my pay and will not give me any credit toward the settlement amount. I ask that the CFPB keep a record of this issue as I am sure this is common among XXXX XXXXXXXX XXXX I ask that I get credit for what I have paid them toward the settlement amount. I also ask that the judgement be vacated to allow me to move forward in mhy clearance adjudication.
Consumer complaint received 2022-06-08
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 ) ( 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 2023-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NJ)

Hello sir, This is XXXX XXXX XXXX. A friend of my online business friend we have been friends for 3 years so one day I ask him to help me out with money so I can get food and pay my bills becuase I have no job beacuse of my condition. I have not been walking for long year now so he got me a check to deposit on my pnc bank so I deposited not knowing that the check was faking without alaer or other and my pnc account was closed becuase of the mistake. Please I really need help with a new account so I can be able to pay my bills and get food etc. Please sir This is fro m jmy heart nevrwill I take a check from anyone Please I will not make msure mistake again.