davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XXXX and XXXX of 2016. There was an error on their part. I was never late.
Consumer complaint received 2024-11-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MI)

*Contacted SYNC/Amazon on XX/XX/year> to request 1099-C in the amount of {$1400.00} for " Charged Off '' account. Company stated that they did not have 1099-C for this account. 
*Contacted XXXX XXXX on XX/XX/year> to request 1099-C in the amount of {$390.00} for " Charged Off '' account. Company states that they are unable to provide the 1099-C. 
*Contacted XXXXXXXX XXXX on XX/XX/year> to request 1099-C in the amount of {$1100.00} for " Charge Off '' account. Company states that they are unable to provide the 1099-C. 
*Contacted XXXX XXXX on XX/XX/year> to request 1099-C in the amount of {$1600.00} for " Charged Off '' account. Company states that they are unable to provide the 1099-C.
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (NC)

For about 1 year I have been constantly trying to remove an account showing in collections that had reported on my credit report across the three bureaus numerous times. I explained this account with XXXX for a car loan was opened in my name without my permission and that I do not have nor never had the car before. I called the company XXXX XXXX XXXX to notify them of the location of the vehicle which is in another state at a police impound lot. But they still fail to resolve it and get the vehicle back in their possession and taken out of my name. I gave all this info to the credit bureaus and they fail to resolve it.
Consumer complaint received 2023-04-23
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. (WA)

In accordance with the fair credit reporting act XXXX  account # XXXX & XXXX has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy. 15 u.s.c. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-30
Product: Credit card or prepaid 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: CITIBANK, N.A. (MI)

I received a bill on XXXXXXXX XXXX XXXX showing two purchases on the XXXX and XXXX XXXX XXXXXXXX on bestbuy.com. I called best buy/Citibank ( XXXX department ) and reported that I did not made these purchases and requested to know what they were. I was informed they could not tell what they were, but they would file a fraud complain to investigate. I received a letter on XXXX stating they had investigated and I still have to pay. I called them back and talked to three different departments requesting what was purchased on the dates of XXXX and XXXXXXXX XXXX XXXXXXXX. They told me that there is no purchases done on those dates on my account! After talking to 4 different people and explaining that they cant charging me for something I didnt purchase without telling me what was purchased, they kept telling me I needed to call the XXXX department. I mentioned to them that I already did and they cant tell me either what was charged on my card on these days. So, now they are demanding I pay for two purchases I didnt make and treating me they will send my name to collection agencies if I dont pay. How am I supposed to pay for something I never did buy and there is no department within Best Buy that can tell me what was actually purchased with my card?
Consumer complaint received 2022-03-27
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo XXXX XXXX Sales person ( XXXX ) intercepted my email loan inquiry from the sales person I had worked with before, citing she is more senior than he. I felt that was odd and unprofessional but let it go. 

XXXX immediately provided me with rates, terms and payments for my cash out refi needs, what she now claims was an honest mistake. Turns out the refi product that she sold me on and I immediately applied for doesnt apply to my state of residence of Texas . This is same institution ( Wells Fargo ) that holds my current home mortgage. Upon review, XXXX did advise me I need to apply immediately as rates are rising. Thats true they are. 

After emailing me detailed specifics of XXXX Adjustable mortgage to apply for with APR, Payment amount and terms. I applied and immediately was rejected citing that rate isnt available in my state and informed of a new higher Rate and 30 year term. A difference of hundreds of dollars monthly. 

She states it was a system glitch that allowed her to issue rate quotes that were actually invalid and she had escalated the matter to a corporate level within Wells Fargo. Im skeptical of this response for several reasons Ill share later. 

Long story short I feel misled and feel that the sales person was sloppy at best and its degraded my confidence in Wells Fargo. Whom I have banked with for over 20 years. Over that time Ive forgiven the many unscrupulous behaviors that have arisen but for some reason this one was a gut punch too many. 

Id like a full investigation into the practices by this branch and management. Something is fishy. 

Branch manager XXXX was non responsive. Requests for escalation were ignored.
Consumer complaint received 2022-11-20
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. (CA)

On XX/XX/XXXX I contacted TransUnion about the following inquiries XXXX XXXX XXXX Inquiry on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX XXXX on : XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX on : XX/XX/XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion file number XXXX Dated XX/XX/2020 page 10 of 11 shows under supplemental Consumer information Auto Finance Inquiries in last 3 months shows 2 last 6 months shows 2 last 9 months shows 2 I have not applied or made no inquiries on no auto finance as stated by transunion on page 10 of 11 file number XXXX I would like documents signatures showing me applying or requesting a loan. as stated by Transunion/ any party stating this on auto fin inquiries I have also filed with US Attorney office as well DOJ on this matter with no documentation to support these inquiries not verbal or some letter stating the facts.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/2020, I applied for a new credit card with Wells Fargo under my name. We got the new credit card ( along with the letter ) in the mail a couple weeks later, but it was missing the envelope. It felt like someone had taken it out of the envelope, taken note of the credit card number/expiration date/etc., and just put it back in our mailbox hoping nobody would notice, and just discarded the envelope. Someone could easily have gotten my credit card number by unfolding the letter, peeling the credit card off the sticky, and putting it back on the sticky spot. 

We called Wells Fargo and told them what happened, and they cancelled the card and expedited us a new one, overnight delivery. The new card was in an overnight delivery ( large ) envelope that requires ripping open in order to get to it ( very secure ) ; however, the envelope housing the credit card letter was not sealed at all. But we figured that was okay because the unsealed envelope was in another larger, sealed envelope. 

We filed a complaint with the United States Postal Service and they launched an investigation to see if maybe the mail deliverer opened the mail to get the credit card info and then just discarded the envelope. The investigation came back negative ; they don't know for sure, but nobody else had this issue on our postal route, so it was unlikely that the carrier had anything to do with it. 

However, we got the rest of the letter in the mail today, XX/XX/2020. It was in a " FOUND LOOSE IN MAILS XXXX  SECTION '' in XXXX XXXX XXXX, UT post office. 

My assumption is that Wells Fargo 's envelope-sealing was not working for these few days, or something. But this leads to privacy issues, and I'm sure I'm not the only one.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management asking me to pay {$610.00} XXXX XXXX XXXX  Account I never have credit with. They affect my credit report rating. They want me to pay them in order for them to clear a balance due that is not even mine and didnt exist since the very beginning.
Consumer complaint received 2021-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION (VA)

I have an auto loan that i did not receive statements since XX/XX/2020. I tried calling the bank but was on hold with long wait times. As it turns out, i was not getting the statements because they failed to update my address after we relocated on XXXX XXXX military orders.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to Experian, XXXX, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

XX/XX/XXXX - Dispute letters accompanied by police report and FTC were sent by certified mail to Experian, XXXX, and XXXX  in regards to accounts and inquiries that are present on the credit report because of identity theft. 

Accounts present because of identity theft. 

1. XXXX/XXXX  : Credit Limit : {$300.00} : Date opened : XX/XX/XXXX 2. XXXX  : Credit Limit : {$16000.00} : Date opened : XX/XX/XXXX 3. XXXX : Credit Limit : {$5900.00} : Date opened : XX/XX/XXXX Inquiries present because of identity theft. 

1. XXXX/XXXX  : Date opened : XX/XX/XXXX
Consumer complaint received 2022-04-20
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. (MD)

On XX/XX/XXXX I filed for XXXX  XXXX bankruptcy protection. My credit card I had with XXXX  XXXX XXXX ending in XXXX was included in the bankruptcy filing. However TransUnion refuses to display the information regarding this account correctly. The date reported shows as XX/XX/XXXX instead of XX/XX/XXXX when the account was included in this bankruptcy. Because of this erroneous date my TransUnion credit score varies by as many as XXXX points than XXXX and XXXX. Back in XX/XX/XXXX, I submitted a dispute to TransUnion involving several accounts that were included in the same bankruptcy that I was having the same issue with and many of the dates on those accounts were corrected to show the correct date. Additionally, I recently submitted a XXXX letter to TransUnion wanting to know the source of their information regarding the XXXX XXXXXXXX XXXX credit card and so far there hasnt been any response. Each time I call TransUnion Im told they only display the information provided to them by the creditor and when I contact the creditor I am referred back to TransUnion. I just want this error fixed. I am in the process of rebuilding my credit and I have established many new accounts that all in good standing and have not had any derogatory events since the bankruptcy filing more than two years ago. So its really hurting my rebuild efforts when a creditor is reporting a delinquency that occurred two plus years ago as an event that just occurred this past month. I am aware that as negative information ages it has less of an impact on your credit score. Please help me with this matter.
Consumer complaint received 2022-07-15
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account number XXXX, Account number XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-06-10
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. (AZ)

ALL 3 " CRA '' REPORTING OUTDATED ACCOUNTS NOT MINES AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  ''
Consumer complaint received 2020-06-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (CO)

On XX/XX/XXXX i sent a certified letter to Sequium Asset Solutions , LLC asking for debt verification in regards to a collection letter they sent me. It said to contact them if I disputed the debt. I did dispute the debt. Attached, you will find the letter I sent along with all of the verification that they did receive my request. IE : Certified Mail receipt and Fax confirmation page. 

It has been two months and I still have not received verification of debt. This is still showing on my credit report. It needs to be deleted immediately.
Consumer complaint received 2020-06-10
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. (DC)

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Consumer complaint received 2020-06-10
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

I filed a claim with Wells Fargo, claim # XXXX The company the claim was against has told me the money was given back to Wells Fargo but I never received any of the money, I was contacted by XXXX XXXX. 
Escalations Representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And responded to her with a secure message via Wells Fargo portal, a voicemail and an email and have received no response after providing the information she asked for.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (FL)

On XX/XX/2020 I received a Letter from Arvest Central Mortgage Co, part of Arvest Bank. The letter states that my property is in Flood Zone A, and that I will need to provide Flood Insurance information or it will be provided for me and charged directly to my Escrow account. Arvest states that If I do not agree that my property is located in a Special Flood Hazard Area to contact NFIP at www.fema.gov to get a Letter of Map Amendment. The problem is, FEMA has my zone as Flood Zone X, and therefore no Amendment will be provided. 

Arvest has erroneously assigned the wrong flood zone, and is putting the burden of resolving onto me, rather than using easy publicly available tools to confirm their own error. 

Both FEMA and my local County websites provide the Flood Information for my property as Zone X.

I feel this is a tactic to scare home owners into purchasing insurance serviced through their escrow account, as more money in the escrow account makes money for Arvest Bank. This is my 4th year and 4th Mortgage company, this is the only one that messed up the flood zone.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAPIO PARTNERS LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX