davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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. (NC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DEPTEDXXXX XXXX DEPTEDXXXX   XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX   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 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have filed numerous complaints and sent numerous police reports to Chex Systems in regards to fraudulent and unauthorized bank accounts and inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX. I currently have a police report on file with Chex Systems. The following bank accounts and inquiries viewed by others thats currently listed and showing on my Chex Systems consumer report are fraudulent and unauthorized inquiries 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 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 XXXXXX/XX/XXXX.
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I recently requested to get a capital one credit card. In the past, I did have one ( almost 10 years ago ) and unfortunately I was a single mom and my fiance up and abandoned me. At that point, I couldn't afford to pay my bills. When I go a new job and re-stabilized I settled the debt over the phone and got everything taken care of. Now it has been almost 10 year and I receive a letter denying me a card for the past account. 1st of all, its been longer than 7 years. 2nd of all, the debt was settled!
Consumer complaint received 2019-01-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received an email informing me that my loan was 30 days late and I immediately contacted Wells Fargo and was placed on hold for over an hour intentionally. I called back and asked to be transferred to the Office of the President. ( It is important to note that I requested a deferment on XX/XX/XXXX with XXXX and was told that it was approved ). I spoke to XXXX and she informed me that she would immediately initiate a dispute with the credit bureaus and that I would be contacted within 10 business days by an analyst. I did not the wait the 10 days because my credit was being negatively impacted by the erroneous credit reporting and I reached out to the analyst. I spoke to XXXX and he informed me that he knew nothing and was still investigating. I asked him the name of the governing agency for Wells Fargo and he responded that there are many and that I could look it up. I ask him to be transferred to his supervisor and he said that was not an option. I told him that I did not want him to handle my case anymore and he said that he would make that request. I asked him the timeframe and he said that he did not know. I asked him if the calls are recorded and he told me yes. I continued to call back and was finally able to speak to a woman who identified herself as XXXX, a supervisor. She told me that due to the holidays that she was having a difficult time tracking down anyone in the deferment department but would contact me directly and keep me posted. She called me again on XX/XX/XXXX and said that she reached someone in deferment but did not have anything tangible to report and would be in touch. I hired an attorney and he told me to contact the credit bureaus and file a dispute for the XX/XX/XXXX late payment which I did. On XX/XX/XXXX, I called Wells Fargo customer service and spoke to XXXX and he informed me that even I requested the exception deferment on XX/XX/XXXX that XXXX dropped the ball internally and never actually approved the exception at all and that is why Wells Fargo marked my XX/XX/XXXX payment 30 days late. I explained to him that I pulled credit report that same day and that they also reported my XX/XX/XXXX payment 30 days late as well. He said it's not even 30 days late yet. I told him that I am looking at a written copy of my credit report. He said that Wells Fargo actually approved the exception deferment on XX/XX/XXXX when is was supposed to be approved on XX/XX/XXXX. The Office of the President still has not shared that information with me and I am waiting on a letter that confirms all of that information. XXXX finally called me back yesterday and I told her that I spoke to another rep in customer service and she told me that had an emergency that prevented her from calling me back sooner. I told her that I have hired an attorney and plan to sue Wells Fargo Dealer Services because it is also worth noting that it is not the first time that they did this to my credit after approving a deferment.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (FL)

I have been reporting frauds in my savings and checking accounts. 
Reporting to FBI and police : I have previously been a victim to chase XXXX wire fraud XXXX XXXX XXXXXXXX XXXX 2019. 

citi bank has illegally CREATED A VIRTUAL CARD .In which has damaged my credit report. They are refusing to provide me with these numbers and verification of closed account. 
I was told yesterday. They were faxing a letter to provide my lender : in which they never complied. I have over XXXX worth of false charges. They refused to change the numbers on account. They are not crediting me for these frauds. 

I am in the process of losing my loan agreement. ( as I did not grant permission to open this ) it was a result of a 8 digit expiration date that is creating glitches in the merchants machines. 
As a result of this fake virtual account : if I have to take early from my ira to buy the property. I will have tax penalty that they will be accountable for, This month and last I have damages of {$4000.00}. 
This is wire fraud and account tampering. as well as not following a customer directive with my own money. Its bank robbery and the management need to be accountable. For this on going harassment 6 yrs. 

I am living in a hotel XXXX waiting to close and citi won't provide the paperwork delaying me 1 week all ready at a cost of XXXX a day.. 

THIS HAS BECOME A DAILY FULL TIME JOB> I need help!!
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

I have a Amazon Rewards Card Visa held by Chase Bank. On XX/XX/XXXX, a charge was made on my card for {$1000.00} at XXXX XXXX. This is not my charge, as I was hospitalized at the time, and the card was in my possession. I also never shop at XXXX XXXX because my husband works for a direct competitor. Additionally, I never charge any amount close to {$1000.00} on the card. I reported the fraudulent charge, it was removed, my card number changed. Now Chase has put the charge back on my card, claiming its legitimate. It is not. I am a XXXX patient, can not leave home. I also dont shop online at XXXX XXXX XXXX Chase is an awful bank. My charging history on the card since XXXX bear out that I never charge {$1000.00} at once, and never in home improvement stores.
Consumer complaint received 2022-02-02
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. (NM)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-02-02
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: CBC Companies, Inc. (NY)

i was contacted by XXXX XXXX. i explained the amount of the loan i was looking for. We chatted for a bit and he said he would have to run a credit report, i asked which agency and he stated he was only going to run the report from XXXX, and when we were closer to processing he would have to run the other 2. i agreed to run the one report. I recieved notifications that all3 got run just then, i questioned it. he said i thought you were going to go through with theloan, i complained no that you just told me you were going to run just one, I did not need the inquiries on all 3. 
I recieved a call after a couple day from someone claiming to be his boss. i explained what happened and agin asked for the inquiries to be removed. he transferred me to XXXX which said he was going to listen to the tapes. 
He emailed back and said he was not going to remove them. I specifically asked for a copy of the tapes as it specifically has me the banker stating he was only going to run the one report. Also he stated that here is the copy and paste from his email.Now I will get this feedback over to banking because all of our bankers should be setting the proper expectation for a tri-merge credit pull. The only instance i have seen a single bureau credit pull would be for a score over 800. XXXX XXXX will not be able to remove this credit inquiry. I apologize for any inconvenience As you can see he stated that he will get with his bankers to to set the expectations
Consumer complaint received 2022-02-02
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-02
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. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-02-02
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: WELLS FARGO & COMPANY (TX)

Good afternoon, My name is XXXX XXXX and I am submitting my concerns and complaint against Wells Fargo on my belief of discrimination, retaliation and intimidation by their employees towards me. 

On XX/XX/21 I called in regard to receiving collections calls while my account was under review with the above commentary. I advised them that I did not feel it appropriate for them to be contacting me while my account was being investigated with my concerns. I in no way asked them to place a cease and desist on my account, as I know that would prevent me from getting vital information about my account. 

I spoke with front line collection agents that we only concerned with collecting on the balance. and not my previous concerns that I advised them of. I then requested to speak with a supervisor. I was transferred to account resolution manager XXXX. From the beginning of the call you seem agitated that he had to speak with me. 

XXXX was extremely rude, condensing, and unprofessional throughout my entire interaction with him. He even continued this temperament after I advised him that I felt that I was being discriminated against. 

As it pertains to my credit report, Wells Fargo advised that my account was closed in XXXX, yet they continue to charge me interest, and fees and balance continues to grow. They have also removed and then put back negative remarks as it pertains to my credit card. This is where I feel retaliated against. 

I would like the call between XXXX and I reviewed and action taken. I would like to also understand why I agreed to make to half payments to clear my balance to XXXX and he never attempted to take the payment. Instead it appears that Wells Fargo continued to charge interest and damage my credit report.
Consumer complaint received 2024-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (TX)

I provided the information requested by Wells Fargo on XX/XX/year>, once I received their letter on XX/XX/year> dated XX/XX/year>. I never received the letter dated XX/XX/year>. 

In a letter dated XX/XX/year> and received today, XX/XX/year>, I was informed that my information was rejected because the address and the Tax ID did not match Wells Fargo 's expectations. 

I was not provided any information about how the address and the Tax ID did not match Wells Fargo 's expectations. Nor have I been given an opportunity to explain why/how the address/Tax ID could be different from Wells Fargo 's expectations XXXX
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

they wont let me pay my bill, my card and my accounts were stolen, ive reported this and they keep on calling i would like them to cancel my debt i dont have my card my information was stolen this has been going on over a year and a half im going to take them to court. if they cancel the debt appologise ill let it go if not ill file a case harrasnent and creatting virtual reality money. sorry thanks for you time i hope the we can resolve this they owe me my bill when i went to pay it offf was never added to the dept but it charged me what i payed. i thouight we solved this already., my card was stolen alos i dont have that information
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (AK)

It first came to my attention in XX/XX/XXXX in attempts to fix my credit that there was a collection from Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX GA XXXX for the The XXXX in the amount of {$2300.00}. I have sent MULTIPLE letters ( XXXX ) asking for verification and have disputed the collection with all XXXX credit bureaus. I have never received any proof of debt. The only returned communication I got back was for a settlement offer XX/XX/XXXX for {$1100.00} I have been calling daily since where representatives have sent me to voicemails with no returned calls. Today XX/XX/XXXX I finally talked to a representative named XXXX who informed me that they do not verify debt and I needed to do that in the community which makes no sense. I asked how he could collect a debt that they could not verify and he said he didnt know. I explained I have had a few instances of fraudulent collections and Id like this taken off since they couldnt prove debt. He explained that I needed to make a police report then send in the proof I did so then they would investigate. This is not promising since they have failed to do this debt any justice since they have a horrible Track record of returning communication.
Consumer complaint received 2022-02-02
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-02-02
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. (MD)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-07-18
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than XXXX business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BXXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX BANK NA XXXX XXXX : {$0.00} XXXX BANK XXXX Balance : {$0.00} XXXXr XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

My student loans were locked in a low interest rate. Navient convinced me to reconsolidate my loans in order to get them in good standing. I hadn't been able to make any payments on them so my loan was in default. Now, 6 years later, the interest on my loan has increased the total amount do by {$15000.00}. I was not aware of the change of interest rate associated with the loan consolidation they talked me into. This is making it so I will never be able to pay off the loan and will continue to owe more money from the inflated interest rates.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.