davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2023-01-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

Navient XXXX is no longer a student loan provider, and the amount that should have been dismissed as of XX/XX/2022 is still partially on the list of loans at the Department of Education. There is still a remaining amount of {$16000.00}. I have also not had any success contacting them to fix the error either. The settlement entitled " Navient XXXX XXXX XXXX '' advises of the removal due to suspected predatory lending.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

They are inaccurately dictating my credit score and not giving me proper increase nor score, even when I paid off a few accounts and had a few fraud accounts removed they did not grant my proper increase and stuck me back at the same number within 30 days after those listed briefly accounts. They tried to correct it and somebodys two yet again illegally jumped in my personal business and tried to illegally take advantage of me and my human rights and wont fix what my credit is about. You give credit for a person to represent their self through raceism and integrity and where you come from verse what you do with your life and business.
Consumer complaint received 2020-11-06
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (CA)

The department of Education and Aidvantage has XXXX all my school loans from XXXX due to their bankruptcy and bad loan dealings. 

I have attached XXXX letters stating that they were XXXX and would like to see this pushed to the credit agencies. 

I would like to see this reflected soon in my credit report so that i can buy a house. 

Thank you
Consumer complaint received 2023-01-13
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: U.S. BANCORP (TX)

On XX/XX/XXXX I applied for a car loan and had XXXX companies run a credit check on my report. This was not a problem as I approved it. However, after securing a loan the same day, I have not given my approval for any further credit inquiries. On XX/XX/XXXX2023 I received an alert on my XXXX Banking app that I had XXXX new inquiries on my credit, XXXX from XXXX Financial, which was XXXX of the financial institutes that had previously already ran my credit on XXXX XXXX. So this was the second time they ran my credit and I did not approve it. I have not tried to apply for a loan since XXXX XXXX. The second inquiry from XX/XX/XXXX was from " US BANK DS WEST '' and it happened around the same time as the XXXX  Financial inquiry. I made a phone call on XX/XX/XXXX to XXXX XXXX and they had absolutely no record of making this inquiry. They could not help me in anyway. Then I called XXXX Credit Bureau to dispute these inquiries and they had to make an account for me because apparently they could not find me in the system. I had them freeze my credit so that nobody else can check my credit without me lifting the hold. Then I called XXXX, and they said I could not file for a dispute on these inquiries until I received a inquiry deletion letter from the creditors who ran my credit without authorization. So I called US Bank, assuming that was the institution that the abbreviations stood for. They also did not have anyone who could answer any of my questions and did not seem to know anything about the inquiry, like they didnt have records of it either. They instructed me to write an email to XXXX to request they dig into it and find out about my inquiry. I sent them an email on XX/XX/XXXX at XXXX pm XXXX time and have yet to hear back from them. Today, XX/XX/XXXX, I have just received another alert from my XXXX app stating I had yet again another hard inquiry on my credit by XXXX XXXX XXXX XXXX. I did not approve this inquiry either. I don't know what to do from here. My credit keeps taking hard hits and I can't do anything to stop it and no one seems to know anything about it.
Consumer complaint received 2023-01-13
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. (MA)

On XX/XX/XXXX an account # XXXX with XXXX XXXX was obtained in my name without my knowledge. I was made aware after pulling my credit report that my information was used to open this accounts and reported to authorities on XX/XX/XXXX with the XXXX XXXX case # XXXX with Office XXXX XXXX badge # XXXX. I have sent this information to XXXX, XXXX, and Experian who are still reporting fraudulent information on my credit file.
Consumer complaint received 2023-01-13
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-01-13
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian, XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Consumer complaint received 2023-01-13
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 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 2023-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

Scam post was put on XXXX by XXXX XXXX on XXXX2023 He stated he had XXXX XXXX XXXX XXXX for sale. 

XXXX XXXX/XXXX/2023 XXXX transfer from Wells Fargo XXXX Account {XXXX} XXXX XXXX/XXXX/2023 XXXX XXXX transfer XXXX Wells Fargo Bank XXXX Account {XXXX} Total of {XXXX ( agreed upon price ) sent to XXXX XXXX XXXX for XXXX XXXX tickets. Seller did not send the tickets and requested an additional XXXX} at which time we new it was fraud/scam. He would not answer any additional correspondence. 
Called Wells Fargo XX/XX/2023 and they for some reason only entered XXXX fraud claim # XXXX for XXXX {XXXX} transaction. Called Wells Fargo back on XX/XX/2023 for status and they said the claim was closed. On XX/XX/2023 Wells Fargo generated the XXXX claim for the XXXX {XXXX}. Claim # XXXX. 
Called Wells Fargo back on XX/XX/2023 to check status of XXXX claim. Wells Fargo stated XXXX claim was also closed and is not liable for the {XXXX} and will not refund the money back into my account. Tried to escalate claims through Wells Fargo but they stated there was nothing else they could do.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

Freedom mortgage reported that our Mortgage was late for XXXX months XXXX and XXXX of XXXX, and that there was not a final payment at the end of escrow. 

We filed a dispute with them saying everything was current including all our payments to them. 
THey investigated it and found out that we were correct and that they were going to correct this and report it to the credit agencies. 
THis never happened. 
THe other was that we had missed a payment in XXXX of XXXX We sold the house in XXXX and we asked them if we had to make the XXXX payment and they said no, that it was covered in the escrow that was going through and not to worry. 
THey investigated this as well and found the recording of the representative who told this to us and cleared this up as well. The only problem is this was cleared up in XXXX and still has not been corrected. 
I called them yesterday and the representative on the phone said she saw the evidence that we need and said she would send a letter via email supporting this. As soon as i receive this i will submit this to the case. 
Please help us we are trying to buy a house and this is stopping our progress. 
Thank you XXXX XXXX
Consumer complaint received 2020-11-13
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-11-07
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. (CA)

What is this complaint about? 
My XXXX credit card ( XXXX XXXX ) closed my account due to a high balance on my credit card and that I was over the credit limit by {$79.00}. XXXX credit card fear due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk As of XX/XX/XXXX, I have a balance of {$2400.00} and I have been with XXXX XXXX since XXXX I have never missed a payment never late 30,60, or 90 days. I made all my payments on time ( I enclosed a copy of my payment history from my credit report ) What type of problem are you having? 
The problem I'm having is due to the fact of XXXX XXXX  closing my account my credit score went down 22 points causing me not to be able to apply for other credit due to a low score rating. 
I am attending college and I need to apply for a student loan this grievance of lowering my score by 22 points affected my ability to further my education and or apply for further student loans due to my credit score being too low. 

What happened? 
The actions that were taken by XXXX XXXX : XXXX XXXX closed my account on XX/XX/XXXX after checking my credit score. 
According to XXXX XXXX they claimed my score was XXXX on XX/XX/XXXX which they said was too low and that I was a high-risk customer. 
XXXX  XXXX fear is due to COVID-19 that I would not be able to pay back the balance on my account and that I was a high risk clientele, which is clearly discrimination of my ability to be a valued client. 
XXXX XXXX pulled my credit score from Trans Union Credit Bureau on XX/XX/XXXX which Trans Union gave an inaccurate score of XXXX. 

What company is this complaint about? 
XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Who are the people involved? 

Myself XXXX XXXX Trans Union
Consumer complaint received 2020-11-13
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. (GA)

I have filed a dispute and also supplied them with supporting documents in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2020-11-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DRB-40, LLC (TN)

In XX/XX/XXXX sent a request for debt verification and a request to stop calling my home, cell and work. As of XX/XX/XXXX they have called 6 times, called my work and even called my XXXX year old mother saying they were searching for me. They are in violation of the FDCPA. 

The most difficult one is knowing the called my XXXX yr old mother worrying her as she thought I was missing. She has a XXXX XXXX and can be frail. This has physically hurt her with her XXXX XXXX and my XXXX is off the charts due to this violation.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Chime via XXXX XXXX closed my account on XX/XX/2022 as I was paying for a money order to pay my rent. They closed my credit builder account, savings account, and checking account totaling over {$4700.00}. I received a message stating the account was closed because of a violation of a XXXX XXXX which has yet to be explained. The e-mails state I shouldve received my closure check within 30 days but it has been 77 days and I am still receiving the same automated messages I received on XX/XX/2022. I have provided the correct documents to have my closure check sent to a new address, but there are new representatives sending the same automated emails for the past 48 days. 48 days is closer to 60 days than 30 days. I am getting the runaround as I have provided documents to the links provided by the XXXX XXXX ( most emails have blank links ). The customer service representatives mention they can not help and only the Back Office can assist, but there is no one to talk to. The closure check has not been offered to be sent via XXXX or at all. No associates are helpful via email, over the phone, or through twitter. They are GATEKEEPING {$4700.00} and gaslighting me via email by sending the same automated messages since XX/XX/2022. I have called XXXX times each day for the past 77 days and each representative states to email Chime Support and when I do I receive the same automated emails asking to provide the information I previously sent or telling me my account is closed for violating a Deposit Agreement which is counterproductive seeing that I am seeking my closure check to be sent via UPS ASAP!!! The company has failed to offer humanistic values and is GATEKEEPING {$4700.00} causing evictions and unpaid bills to pile up for the past 77 days. The agents are XXXX  and talk in circles. XXXX agent stated that I would not get a check because the account balance was {$0.00} ( which means a check has been made ) but that spreads misinformation. With the foreign status of callers they lie often.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion incorrectly reporting XXXX account as open, as account was charged off in XXXX. Transunion is using account to drop score daily. XXXX XXXX XXXX is the company in which charged off my account in XXXX. Transunion is reporting account as charged off and open as of XX/XX/XXXX. Negatively reporting account as open. 

Transunion incorrectly reporting XXXX account as delinquent, as account was voluntary closed with a {$0.00} balance. Transunion is reporting XXXXXXXX XXXX XXXX as a delinquent account in XX/XX/XXXX. Account was voluntary closed in XX/XX/XXXX with a {$0.00} balance paid off in full. Negatively reporting account as delinquent. 

Transunion is dropping my credit score using both incorrect accounts daily. I reported this to Transunion every week for 2 months. Transunion is not responding to dispute with correct information.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MO)

Loan #XXXX was sold to SLS (specialized Loan Servicing) XXXX, XXXX. A dispute regarding funds deposited with XXXX, previous servicer existed and were not related to SLS causing my payment to dramatically increase with little or not adjustments to my hazard insurance or tax base.   The figures causing my payment to go up do not accurately reflect funds that should have transferred from previous servicer to current servicer of my loan.  Discussions with SLS on XXXX and again on XXXX indicate discrepancy.
Consumer complaint received 2023-01-13
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. (AL)

These companies are no longer available due companies close down no longer a hospital saling people person information identity theft required full investigation an disclosure if u can't provide anything I requested everything should be removed off my credit report I requested to dispute it from my credit report