davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (WI)

I received the attached letter from Wells Fargo regarding a collection, repossession and recovery of a vehicle and vehicle loan that is not mine. I want Wells Fargo to research this matter, remove and correct any negative reporting and respond in writing that the matter has been expunged. I have never owned a 2004 XXXX XXXX nor do I have any auto loans with Wells Fargo.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

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.

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 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-03-04
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. (CA)

My XXXX XXXX account ending in XXXX is showing late payments for XXXX, XXXX and XX/XX/2021 when I had asked for a hardship deferral due to covid which was granted by the lender. However, the account was reported as 30 days late three times. I have spoken with XXXX XXXX and they have corrected ( or said they would ) and I have attached the correspondence they sent me stating they would. It has been corrected on XXXX but not Equifax or XXXX. I am attaching the XXXX results as well. This is very frustrating dealing with these credit reporting companies as I have written regarding this issue and nothing is done to fix the problem.
Consumer complaint received 2024-10-21
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)

False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c ) Experian continues to report collection every single month for XXXX XXXX XXXX  XXXX and XXXX. By doing so, it unlawfully extends the statute of limitations of last reported use as well as impacting my credit screw as a new charge off every single month and lowers my score compounded every month
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Recently I filed a complaint against Capital One alleging that Capital One requires consumers to have certain level of communication skills in order to receive services from Capital One without properly disclosing those the requirement of the physical and mental abilities that it expects customers to have in its terms and conditions of service or other disclosures. 

Capital One 's response to my allegation was that Capital One has the following statement in one of its documents : CLOSING YOUR ACCOUNT We may, subject to applicable law, close your Account at any time, regardless of whether youre in default. You may ask us to close your Account at any time by calling us emphasizing the statement " You may ask us to close your Account at any time by calling us ''. 

My experience calling Capital One in order to close my account was as follows : On XX/XX/2022 around XXXX XXXX XXXX I placed a call to the number provided by Capital One, XXXX. I clearly stated at the best of my abilities to the voice recognition system that answered my phone call that I would like to close my account and the voice recognition system informed me that it did not understand my request. I was eventually transferred to a person and the person who answered the call, XXXX, disconnected the call after XXXX min and XXXX seconds of the conversation. 

To give Capital One another chance I placed another phone call to XXXX around XXXX XXXX XXXX XXXX and informed the voice recognition system that answered the call that I would like to close the account. The system asked for my social security number and the last four digits of my account number. After I provided this information, the system informed me that the telephone call may be recorded and put me on hold. The call was answered by XXXX, who has not provided me any other identifying information. After I attempted to explain to XXXX what I was trying to achieve, XXXX disconnected the call. The call lasted XXXX min and XXXX seconds. 

It is clear that the disclosures provided by Capital One regarding the requirements that customers need to have abilities to call Capital One to request certain services is not adequate. Capital One needs to properly disclose what level of telephone communication skills it expects its customers to have such as the customers fluency in conducting telephone conversations and the time customers are expected by Capital One to be able to continuously maintain a telephone conversation. Merely stating that some services can be requested by calling us is not enough to describe the physical and mental abilities that Capital One expects its customers to have.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2022-01-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (NE)

So I had a lease car with BMW. Before lease end, I found another bmw car I wanted at a different dealership than the initial leased dealership. I decided to buy.this next car instead of leasing. The new dealer agreed to pay the remaining balance on my lease ( XXXX payments ) to get me in new car. The leased car was returned to the new deslership, which I was assured was okay, that everything would be coordinated with old/original dealership. Well the payments were made but there was a termination fee that I was unaware of and was never taken care until I found out several months later. 

This had caused my credit score to decline by approximately XXXX points. That is severe to me for one and only late payment Ive had in 20+ years. While I take responsibility for actions, it was the mix up between the two dealerships that XXXX XXXX bearing on the payment not being taken care of. I did pay it immediately was bought to my attention. {$170.00} fee, not an actual payment, should not be held against and decrease my credit score XXXX points! 

Im attaching a copy of the payment I made to bring my account with BMW current.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I have been in public service since the beginning of the PSLF program. I currently show XXXX payments eligible and XXXX plus payments ineligible due to no bill due. During the earlier years instead of being placed on XXXX payment status the loan services would put me in forbearance status for financial hardship which should also count as payments. When calling I am not able to gain contact with a live person hold times are very long. The whole PSFL system is difficult to navigate. Now with the new waiver I may quailing for forgiveness but their is now clear information given.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX california XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX first XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX UNIFY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Ally bank XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX bank XXXX XXXX market XXXX XXXX DE XXXX XX/XX/XXXX Elastic XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX FL XXXX UT XXXX XXXX
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is not a complaint, per se, but I had 2 credit cards disapprove and need to remedy the situation to prevent future issues. I receive in the mail each week 15-20 credit card opportunities where if you spend X amount of dollars in Y amount of time you receive a bonus. 
In XX/XX/XXXX I applied for a XXXX XXXX credit card-it was approved. In XX/XX/XXXX I applied for a Capital One card, which gave me my own " Pre-Qualified Number. '' just like all the others, but it was denied. This has never happened before. My credit rating fell from XXXX to XXXX. I called Capital One and requested information on what happened. Unbeknownst to me this agent had me applying FOR ANOTHER CARD??? It was also disapproved. The agent said a letter why it was denied would come in the mail. It came, filled with vagueness. 
I am a chemist and quantitative analysis is 100 times easier to understand than all this credit stuff. I give more money on an annual basis to XXXX XXXX XXXX College annually except their XXXX. XXXX XXXX XXXX XXXX XXXX Scholarship. In short ; I am trustworthy, I believe you have access to my credit report, including the disapprovals. I would appreciate your help. Thank you.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

It is easier for Experian to label all my complaints as duplicate instead of accepting liability. I requested Experian send a VALID copy of a permissible permission that could be justified to access my credit report on XX/XX/2017 for XXXX XXXX XXXX XXXX XXXX XXXX ). Experian dodges liability by refusing to send and labels complaints as duplicate. I feel like I am playing word games with XXXX  and have complained no less than 500 times. It is time for Experian to do business as the caretaker of my personal information.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (DC)

navy federal credit union is destroying this veterans life and keeping him XXXX and XXXX. I'm a XXXX veteran XXXX with no money no income and no assets. Navy federal is falsely and illegally continuing to report a 10 year old credit card account which I DO NOT Acknowledge, DO NOT OWE, and have no knowledge of. THis ALLEGED account is OVER 10 YEARS OLD AND WILL BE REMOVED BY FEDERAL FCRA LAW. STOP DESTROYING A VETERANS LIFE THAT IS XXXX WITH NO MONEY OR ASSETS. I DO NOT OWE THIS ALLEGED DEBT NOR COULD I PAY IT IF I DID AS A XXXX XXXX NO INCOME VETERAN. NAVY FEDERAL IS ALSO GETTING AWAY WITH FALSE OLD AGED REPORTING BECAUSE MY CREDIT REPORT ONLY SHOWS A COUPLE YEARS OF ACCOUNT HISTORY, WHEN THE ACCOUNT IS OVER 10 YEARS OLD, AND ACCORDING TO FEDERAL LAW, NEEDS TO BE REMOVED IMMEDIATELY!! ARE YOU HAPPY NAVY FEDERAL? DO YOU ENJOY DESTROYING LIVES, LYING ON A CREDIT REPORT, AND VIOLATING FCRA? REMOVE YOUR ACCOUNT IMMEDIATELY!! NOTHING SERVES YOU KEEPING A XXXX VETERAN XXXX AND LYING ON A CREDIT REPORT. NAVY FEDERAL HAS BEEN REPORTED TO THE NATIONAL CREDIT UNION ADMINISTRATION, THE XXXX ATTORNEY GENERAL, THE XXXX ATTORNEY GENERAL, THE CFPB, AND THE XXXX. I WILL OBTAIN A FIRST AMENDMENT LEGAL PERMIT TO PICKET YOUR LOCATIONS WITH A SIGN THAT READS " NAVY FEDERAL XXXX XXXX XXXX. '' I WILL CONTINUE TO FILE COMPLAINTS UNTIL THIS ALLEGED, OLD, AGED, FALSE ITEM IS REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WV)

My name is XXXX XXXX XXXX my problem is with chime banking in regards to an account that they closed out for no underline reason of my fault, in a nut shell this is what has happened I used my card for a XXXX dollar seven day free trial from the companies of XXXX XXXXXXXX and XXXX in XXXX of XXXX I did not authorize any other transactions from them but they chose to take money from my account for 14 transactions of {$23.00} from XXXX which four were refunded and this company is/was trying to refund the other transactions for the total amount of XXXX conformation number is XXXX. And for the company XXXX there was a total amount of 28 transactions taken off my account for {$28.00} per transaction they refunded eight transactions and is trying to refund the rest of the 20 transactions of {$28.00} times 20. The two account numbers are for the first account is XXXX conformation number is XXXX and the second account number is XXXX with the conformation number being XXXX. I also had refunds coming to the account from XXXX for {$59.00} transaction number XXXX. So back to what happened to this point in XXXX of XXXX I was incarcerated ( which I proved where and who I am to chime and these companies ) but I was locked up from XXXX of XXXX until XXXX of XXXX at this time I regained access to my account and realized what was happening and reported it to chime at that point they stopped my card and issued a temporary card. This stopped the companies from refunding the money. I then called chime again and let them know they were trying to send the refunds. Chime then allowed some refunds and stopped the rest. I put in a rebuttal they again refused. And shut down my account stopping me from accessing my account and any thing pertaining to it dates transaction history and the money that was in my account. Which cost me more money. And time aggravation. These transactions were unauthorized and adds up to be a lot of money that I acquired. These companies can not refund the money until chime allows it. Because it is linked to that account. At first I just wanted the money that is mine back but now that I have had to spend more money and time because of there lack of business ethics and laziness I wish to push back and harder to prevent this from happening to any one else and for my time money and aggravation. What they are doing is wrong and robbery. I was locked out of my account money held and done wrong for someone elses wrong doings. Please help me resolve this matter and stop it from happening to anyone else... if any information is needed I can be contacted at XXXX thank you and please help the last four numbers of my ss # is XXXX born in XX/XX/XXXX again ty