davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (PA)

After recent review of my XXXX XXXX I found numerous Hard Inquiries on my report that I have no knowledge of, or did not authorize .The following are the hard Inquiries that I have no knowledge XXXX : XXXX XXXX, XXXX, Equifax Mortgage XXXX XXXX XXXX, XXXX  XXXX Bank XXXX XXXX bank XXXX CB XXXX XXXX XXXX, Factual Data, XXXX XXXX funding, XXXX XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, Web Bank ... XXXX
Consumer complaint received 2020-02-29
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. (FL)

Transunion is still reporting my information incorrectly for the XXXX XXXX XXXX XXXX credit card that I have with the company XXXX. XXXX the supervisor at XXXX, has already informed me via phone call on XX/XX/XXXX that the 2 months for XX/XX/XXXX and XX/XX/XXXX, have been updated on their internal system to reflect that I was NOT late for those months, and that I have 100 % perfect payment history. This information was also submitted by XXXX to all 3 credit bureaus. Also, because my account history is 100 % payments made on time, XXXX XXXX XXXX XXXX also approved me for a credit limit increase from {$1200.00} to the new credit line of {$2400.00}. Credit report is still reflecting me as 2 late payments, still has not updated my new credit limit to {$2400.00} and even though I made a payment to lower my balance from {$69.00} down to {$30.00}, it has not updated to show that my current balance reported is {$30.00}. Please update because this will help boost up my credit score and will also keep my report up to date and accurate. Thank you.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED XXXX XXXX. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Number : XXXX Account Name : BANK OF AMERICA Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY (IL)

I opened a wells fargo credit card for their 0 % balance transfer offer. I applied for a balance transfer of XXXX by taking a picture of my discover card and submitting it online. This went thru per wells fargo on XX/XX/XXXX. My discover card never recieved these funds. After review wells fargo submitted the funds to someone else 's discover card number which they gave me their number and stated since it went thru to someone else 's discover card it was my responsibility to pay the XXXX. I contacted discover card and after giving them the card number wells fargo gave me they said the balance transfer did go thru but that this mistake was made on wells fargo end and I had to go thru them not discover. I called wells fargo again and was told that since the funds went thru to a discover card member that I was liable for this charge and there was nothing they could do since they can not recover these funds from discover card. I told XXXX # XXXX who I had been talking to that I should not have to pay another person 's balance and he stated there was nothing they could do. That I owed the money that was never put on my account. This is not right. I am not liable for another person 's debt. This has got to be a fraud because when I asked him how the picture of my discover card number got translated wrong he said that it was my debt still.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX Chase Bank claims that I was in XXXX XXXX California and that I went to a merchant who they're saying is named XXXX XXXX  and I used my chip in my debit card to spend {$68.00}. Now they claim that they're investigation shows that the chip was used so that's enough for them. However there are no other charges made in XXXX XXXX California there are no tickets that I purchased that took me to XXXX XXXX California there are no hotels no restaurants no XXXX nothing that would say that I was in XXXX XXXX California at the time of this purchase. They are also claiming that even though my chip debit card was used for some reason it took 10 days to post to my account which has never happened before and does not happen with my Chase debit card. I have been lied to I have been given the runaround I've been told incorrect information and I have been told that their decision is finite and that I have no recourse. I have recordings of all of my conversations with Chase and every representative that I spoke to and they still can not explain to me how a person who was consistently making purchases in XXXX XXXX XXXX XXXX XXXX somehow flew to XXXX XXXX to make one purchase for {$68.00} and nothing else. And they also refused to close my account when I asked.
Consumer complaint received 2023-07-04
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. (FL)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX.
Consumer complaint received 2020-02-29
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. (TX)

FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, now a division of XXXX, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by XXXX. XXXX is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California.

FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.
Consumer complaint received 2020-02-29
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: EQUIFAX, INC. (TX)

FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsFirst American Real Estate Solutions, LLC ( " FARES '' ) has agreed to settle Federal Trade Commission charges that First American CREDCO ( " CREDCO '' ), now a division of FARES, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by CREDCO. FARES is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California. 
FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.
Consumer complaint received 2020-02-29
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. (NV)

I RECNTLY STARTED MONITERING MY CREDIT AND I SEE MANY ACCOUNTS THAT ARE NEGATIVE ON MY REPORT THAT I NEVER OPENED. I AM ANGRY MY INFORMATION WAS COMPRIMISED AND SOMEONE USED MY INFORMATION. I FEEL VIOLATED AND I WANT THESE INACCURATE ACCOUNTS REMOVED
Consumer complaint received 2019-09-09
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. (CO)

Hello, Experian is reporting I have a 60 day late payment on my credit report for an account that was closed as deed in lieu in XXXX of XXXX 4+ years ago! I have tried calling, emailing, using their website, mailing. When I called, 3 people including a manager just told me I don't know how to read a credit report. I have attached the credit report for your review. Experian phone reps indicate XXXX does NOT indicate as negative payments. This is very clear that they are wrong once you take a look. This is also not on any of my other credit reports. 
I have filed a complaint with the XXXX, I have disputed 2 times with Experian and also sent them a dispute form by overnight mail on XX/XX/XXXX. 

The credit report is attached. The negative payment supposedly is XXXX XXXX XXXX XXXX. This account has been closed since XXXX of XXXX!!! Deed in Lieu. There is NO late payments on this account for almost 5 YEARS. 

Heres what happens when I log into my Experian Account : You Have 1 New Late Payment Your report shows 1 new late payment in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud and you can dispute it. 

XXXX XXXX XXXX XXXX Past Due Amount : {$0.00} Details Account # XXXX Original Creditor - Company Sold - Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance {$180000.00} Monthly Payment {$1200.00} Past Due Amount {$0.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX Recent Missed Payment You recently missed a payment or had a derogatory indicator reported on your credit report. 
Your most recent missed payment happened 2 Months ago
Consumer complaint received 2023-08-15
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)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 

Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (IL)

Hello, I was a customer with discover financial services. I believed my bill to be paid in full. Unbeknownst to me, there was a recurring charge that hit the credit card and went unpaid for 2 months. Discover Financial was sending electronic statements to my email which is inundated with junk mail but did not attempt to contact me otherwise. After the second missed payment, the company reported a negative report to the credit bureaus. I attempted to discuss with management in customers service that this was an oversight and requested a good will adjustment for first offense and the company refused. I believe this is punitive to consumers. This in no way is a reflection of my payment ability or my credit worthiness. I believe there should be some investigation into the practices around paperless billing especially given that consumers are becoming more and more overwhelmed with email campaigns.
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (CA)

XXXX  XXXX XXXX, CitiBank and XXXX opened accounts in my name without my permission for someone other than myself and are charging me and now I can not open a new account for myself because of this. I have reached out to all of these banks and they refuse to remove it from my consumer report file. I have forwarded them copies of police reports FTC reports and all other requested documents and yet they still refuse
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (CA)

Chase Amazon Rewards visa card charged me cash advance interest charge of {$7.00} and purchase interest of {$52.00} on XX/XX/20 after i paid my total balance before my due date which is XX/XX/20. My chase card agreement stated we will not charge interest on purchases if you pay by due date each month.
Consumer complaint received 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (TX)

I contacted GM Financial and spoke with a representative back in the beginning of XX/XX/XXXX to inquire about getting my payments lowered because my father was just diagnosed with XXXX and I would be helping to pay his bills. The rep tried to help but informed me that I couldn't lower my payments on my vehicle. I continued to call every month I knew my funds were going to be short but the company didn't help to lower my bills in which late marks was charged to my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
My father passed in XXXX of XXXX. I called the same month to inform the company about my XXXX payment but I still didn't get any help.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I went to a Wells Fargo ATM here in XXXX, CA at the XXXX XXXX branch, XXXX XXXX XXXX, on XX/XX/2023, XXXX, XXXX XXXX and attempted to withdraw {$1000.00} cash. It was declined and I was sent a confirmation email the same day starting that it was declined due to exceeding my daily limit which is incorrect as I did have the funds in my account. 
I then filed a dispute with Wells Fargo and they told me that their investigation showed nothing mechanically wrong with their ATM machine. 
They decided not to return my {$1000.00} that they deducted from my bank account. 
I also told them about the email confirming that I did not receive the money and they kept my money regardless. 
This is a horrible way to treat a business customer and it it also unacceptable. 
Please help me resolve this matter ASAP!!!! and get my {$1000.00} back that I am rightfully owed. 
I would appreciate a prompt response in this matter of utmost importance. 
Thank you-
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lamont, Hanley & Associates, Inc. (CA)

My medical insurance company threw me into collections in the fall of 2019. 
The name of my medical insurance company is XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. Their Tel : ( XXXX ) XXXX. Their reason : XXXX paid the claim amount directly to me and not to the hospital. 

It took XXXX XXXX XXXX over a year to prove it, though. I had to repeatedly ask for a copy of their cancelled check. After a year, they found it and sent it to me by mail. I began to make regular monthly payments on the total amount I owed {$760.00} I am disputing the conduct and fraudulent billing of the collection agency XXXX XXXX XXXX used. The collection company is : Lamont , Hanley & Associates , Inc., XXXX. XXXX XXXX, XXXX, NH XXXX Their Tel : ( XXXX ) XXXX. 

I have paid the total amount I owed of {$760.00} IN FULL by XX/XX/2019. Yet, this collection agency continues to send me bills of arbitrary amounts, requesting payment. I have called, written, left messages to this collection agency, demanding them to stop this. Nothing has worked. 

I even sent this collection agency copies of my cancelled checks ( front & back ) to prove I paid them the amount in full. By the way, I paid them all of the {$760.00} in less than 3 months. 

Today, I received yet another fraudulent notice, that I am in collections for non-payment. 
Please, investigate this collection agency. And, please investigate XXXX XXXX XXXX for using this agency. After all, XXXX XXXX XXXX should be accountable for who they choose to represent their company. Thank you for your kind assistance.
Consumer complaint received 2023-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

I know for a fact I've never done a variable rate loan. They are claiming that my interest rate is 7.7 % variable and I asked for the master promissory note and they told me that it takes 3 months to get it. 

There are also erroneous fees and accrued interest charges for periods that I have been on in school deferment, covid deferment, and military deferment. I am ready to pay this loan off but I do not trust them.
Consumer complaint received 2023-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

account XXXX XXXX is trying to have me pay on a matter that is nearly XXXX XXXX XXXX and for which no monies are due received letter dated XXXX concerning XXXX bill from XXXX  and then sold to XXXX asset management I am a XXXX male diagnosed with XXXX XXXX XXXX.As a result of the stress from this matter my condition is worsening
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$54000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$6200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$510.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XX/XX/XXXXXXXX : Account Number : XXXX : Balance : {$1100.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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.