davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

My husband and I have had some recent financial hardships over the past couple of years due to some family sickness with our family, rising cost of living with little or no increase in income, damage to our house due to recent storms in our area, and the cost of putting our oldest of our two daughters through college and the youngest who is still in middle school. Due to these recent activities we have feel behind with our mortgage through Wells Fargo Home Mortgage Company. We have been in communication with Wells Fargo in an attempt to do a mortgage modification loan since XXXX of XXXX which was advised by a Home Preservation Specialist from Wells Fargo by the name of XXXX XXXX. During the time we have been in communication with Wells Fargo to setup a loan modification our home was hit by Hurricane Michael in XXXX of XXXX which caused some damage to our home with some flooding to our kitchen and hail damage to our roof and some leaks to our ceiling. We reported this damage to our insurance company and to Wells Fargo at which time we were told that may qualify for a program for home owners that were affected Hurricane Michael. While this was going on we were told not to worry about making any payments and the damages to the home would need to be repaired before any resolution to our modification would be resolved. Due to all the homes in our area and state that were affected by Hurricane Michael it took our insurance company a while to get an adjuster out to see the damages to our home and issue and check to Wells Fargo for damages and repairs to be issued to a contractor. As of XX/XX/XXXX the repairs have been made to our house and Wells Fargo has sent out people to our home to take photographs of the repairs on three different times. As of XX/XX/XXXX Wells Fargo sent us a letter in reply for our request to a modification saying it was denied and we have been approved for a short sale instead. We also received and letter on XX/XX/XXXX saying we could reinstate the loan by paying an amount of {$9600.00} by XX/XX/XXXX. We do not have this kind of money to save our home from possible foreclosure and felt due to Wells Fargo delaying and dragging their feet we have been put in an impossible situation.
Consumer complaint received 2023-06-13
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: Fidelity National Information Services, Inc. (FNIS) (NV)

In XX/XX/2023 I notified consumer credit reporting agency Chexsystems that there was a new negative item added improperly to my consumer Chexsystems report. This was negative item added by XXXXXXXX XXXX  on XX/XX/2023. I sent a letter in writing mailed to Chexsystems in which I disputed the new negative item as a result of unauthorized charges being done on my XXXX XXXX checking account including an identity theft victim assistance notice I was sent my XXXXXXXX XXXX and forwarded that document to Chexysystems in writing via US Postal Mail in XX/XX/2023. In XX/XX/2023, Chexsystems responded by stating they verified the item belonged to me and it would remain in my Chexsystems report for 5 years. I responded again explaining this item was placed as a result of identity theft and unauthorized charges and they should remove the negative item. I also asked for proof of their investigation.. whether that be proof these charges and negative item was authorized. I stated if they failed to provide signatures and documentation showing this was not identity theft they are required to delete the item from my consumer Chexsystems report. Chexysystems is continuing to violate my rights under the Fair Credit Reporting Act ( FCRA ) by not providing documentation or proof that shows this item is not identity theft. Chexsystems is also violating my rights under the FCRA by not sending me the proper proof that meets the guidelines in the FCRA to me in writing.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CO)

We have been customers of Navy federal Credit union for five years and often have overdraft fees even enrolled in the OOPS program. Our account will show a positive balance and pending transactions covered but then there are overdraft fees that make us go negative. And then the fees become daily to where if there where no fees we would have a positive account.

They have denied disputes and fraud claims despite provided evidence.
Consumer complaint received 2019-06-12
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. (DC)

I have disputed the late payments XXXX XXXX XXXX XXXX  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2023-06-12
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. (GA)

15 USC 1681 Section 604, " States rights to consumers privacy ''. Reporting agencies can not furnish a account WITHOUT my WRITTEN consent! The account listed below are in voilation of this law, XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by Experian and XXXX. 
XXXXXXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by Experian and XXXX. 
XXXX XXXX was opened on XX/XX/XXXX by XXXX and on XX/XX/XXXX by Experian and XXXX. 
I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.
Consumer complaint received 2023-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: South Mississippi Collection Services Inc. (TX)

I tried disputing through the credit B, then through the creditor. I am currently living in XXXX, Tx and this debt is owed in Mississippi. 
Dates the debt was opened : XXXX XXXX, disputed with no response.
Consumer complaint received 2023-06-12
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-12
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. (CA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TN)

Navy Federal Credit union hurt me financially at times in my career from 2018-until now due to overdrafting my account on numerous occasions due to the insufficient funds I had but to my knowledge I had in the account of time of purchase. I have banked with them since 2018, I have had instances where they did not remove the funds or added the funds at an adequate time for my account to use causing overdrafts. This new founding lawsuit that they are filing against them, shows true colors in which they have hurt service members like myself financially charging illegal overdraft fees.
Consumer complaint received 2023-06-13
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. (FL)

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
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
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX d/b/a XXXX in XXXX, Texas. I was told by XXXX XXXX the account representative that I should be careful about mileage because " this is a lease and anything over 20,000 miles per year would cost me {$15.00} per mile ''. It even said so in the paper work so I acknowledged that I understood. She mentioned to me that if I wanted to get out of the lease early, all I would have to do is pay {$490.00} early termination fee and turn in the car. OK. I saw that in the contract. No problem.

Fast forward to today. I do a LOT of driving and I was getting close to the 20,000 mile per year limit. So now its time to BUY a car which I can drive freely instead of LEASING a car and having to worry about mileage. 

I went to another car dealer to see about purchasing a car and the dealer called XXXX XXXX of XXXX XXXX XXXX d/b/a XXXX to confirm it would cost me {$490.00} to end the lease. She told them no, it would cost me a whopping {$1900.00} to get out of the lease, even though the lease agreement clearly stated {$490.00} to end the lease and return the car. 

XXXX XXXX XXXX d/b/a XXXX told me something entirely different when I chose to exercise my contractual right to END THE LEASE. XXXX XXXX told me that she is charging me XXXX cents per mile for the miles I have driven on the car since I leased it. 

THAT IS NOWHERE IN THE CONTRACT. There is no mention of a XXXX cent per mile charge. She said she is " being nice '' by charging me these extra fees of {$1900.00} instead of the {$490.00} stated in the contract. 

XXXX XXXX XXXX d/b/a XXXX is in violation of the Fair Debt Collection Practices Act. Their written contract states {$490.00} to end the auto lease and the company representative creates a new story and thousands of dollars in additional fees when I decided to exercise my contractual right to end the lease.
Consumer complaint received 2019-01-22
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: Experian Information Solutions Inc. (TN)

Account Name : XXXX XXXX ( XXXX ) I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me with sufficient information.The company responded by sending me a copy of an old bill from the original company I had services with that had no other information on it stating they were authorized to collect on it. The old bills don't match the amounts that are being reported on my credit report. They also didn't provide proof that they are authorized to collect on a debt. This debt was not properly verified and I don't believe that it is mine. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.
Consumer complaint received 2023-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (AZ)

I paid off a Hyundai XXXX in XXXX of 2023. I have been calling Hyundai Motor Finance every 3 weeks for my title and lein release. They keep saying they mailed it to me or they will mail another one but I still have not received it. It is now XX/XX/XXXX of 2023. Now you can not even call them. It sounds like they have disconnected their phone. I need my title and lein release to sell the car. I can not get through to New York MVD title either.
Consumer complaint received 2023-06-13
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: MECHANICS BANK (CA)

In accordance with the fair act XXXX  Account # XXXX has violated my rights 15.USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not forward an account without my written instruction 15USC. 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit payment as a late for any purpose
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

15 USC 1681e ( b ) Accuracy of the report ......

IRS defines charge off or a 1099c a gross or ordinary income. Income does not get reported on the consumer report. So why is a charge off being furnish as a debt on my consumer reports? When IRS says its an income, this now becomes an inaccurate account. Therefore should be deleted from my consumer reports. 
XXXX XXXX XXXX XXXX acct # XXXX a charge off. 
XXXX XXXX acct # XXXX. a charge off XXXX XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off All account listed above are charge off/written off, should be deleted according to 15 USC 1681e ( b ) Maximun accuracy 15 USC 1681e ( c ) Disclosure of consumer reports by users allowed.

A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if ADVERSE ACTION against the consumer has been taken by the user based in whole or in the credit report.
Consumer complaint received 2023-06-12
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. (MS)

TransUnion was inform of a compliant by myself, they proceeded to investigate. After investigating, by omitted that my credit profile was inaccurate and updated with more inaccuracies. Under the Fair Credit Reporting Act, they suppose to maintain accurate information at all times. They also didnt provide verification of these accounts, and continue to ignore my requests for verification.
Consumer complaint received 2023-06-12
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)

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 corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-06-12
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. (VA)

I submitted a letter to the 3 Credit BureausXXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 

Kindly fix this account : XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-06-12
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. (LA)

See attached. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Consumer complaint received 2023-07-31
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. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

This is my final attempt at resolving this issue before taking legal action. I've spoken to the company directly at least 3 times & I've disputed with the credit bureaus. Capital one informed me that these inquiries would be REMOVED from my report within 90 days but they still remain. CAPITAL ONE XXXX, XX/XX/XXXX, XX/XX/XXXX. CAPITAL ONE AUTO FINANCE- XX/XX/XXXX. All these inquiries were not made by me.
Consumer complaint received 2024-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MI)

I filed a complaint on XXXX XXXX XXXX XXXX Interim response was provided by the company to the CFPB on XXXX advising that they needed additional time and would provide a final response within 60 days of the date the CFPB sent the complaint ( XXXX ). As of XXXX a final response has still not been provided.
Consumer complaint received 2018-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I disputed the below stated inquries with TransUnion multiple times and they will not remove them from my credit report. 

Unauthorized Inquiries 1. XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX 2. XXXX/XXXX XXXX XXXX  XXXX- XX/XX/XXXX 3. XXXX XXXX XXXX- XX/XX/XXXX 4. XXXX/XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX XXXX XXXX- XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX XXXX- XX/XX/XXXX 9. XXXX XXXX XXXX- XX/XX/XXXX 10. XXXX/XXXX- XX/XX/XXXX 11. XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX/XXXX- XX/XX/XXXX 14.XXXX/XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX 15. XXXX XXXX/XXXX- XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NC)

Signed up for new bank account. Bank attached debit card to wrong account resulting in the following fees. 

XX/XX/XXXX {$45.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$75.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$15.00}
Consumer complaint received 2023-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MI)

The lender closed the account XXXX XXXX and on XXXX XXXX they sent someone to steal my car while my kids where inside crying scared for their life. I also put in a cease and desist.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

There are currently two installments loans reporting on my credit report from XXXX XXXX. Both these loans are paid in full and showing a balance owed. 

Date : XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Was paid in full as of XX/XX/XXXX Date : XXXX  - Lease Agreement with an Option to Purchase XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Paid in full as of XX/XX/XXXX