davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (HI)

On XXXX XX/XX/XXXX I recieved a letter from WellsFargo Auto Finance acknowledging the auto loan I had with them has been Settle in Full. They have stated in the letter they are submitting the request to the Credit reporting agencies to have report updated in my credit report file to reflect a Charge off to Settled in full account. I was also instructed to present this letter to any prospective creditor questioning the status of this account. 
WellsFargo hasn't kept there word and still reporting this Auto Loan as a Charge Off. Also I called the number they have on the letter numerous times and it no longer a working number. I contacted WellsFargo thru mail at the address they have on my credit report and my letter got Return to Sender. WellsFargo is reporting false information of me with there wrong address. 

Also for the same Auto Loan they transfer or sold to another WellsFargo Bank within there company, and having a different account numbers. I contacted WellsFargo back in XXXX XX/XX/XXXX is to why I see two reporting on my credit report for the same Auto loan with two different account numbers with two different amount finance. One with {$26000.00} and {$26000.00} the actual amount finance is {$26000.00} on my contract. I have yet to see any changes of status to this account. I wrote to WellsFargo again in XXXX XX/XX/XXXX why do I see a balance of {$2700.00} showing I owe them. Still havent heard anything from WellsFargo after numerous time of disputing this account. WellsFargo would not take the time to investigate there error reporting even provide them with copies of the letter and contract but keep updating. All credit bureaus forward all my dispute to them but would not take the adacity to respond to there error reporting. 
Now Im filing a complaint with CFPB due to false reporting to credit bureau. I will be ready to provide all documentation of my communication with WellsFargo. Thank you so much for taking the time to view my issues.
Consumer complaint received 2018-03-16
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. (GA)

XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Consumer complaint received 2018-03-16
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. (NE)

To whom it may concern, In XX/XX/XXXX I noticed I had a bigger than normal monthly payment due on my Chase Credit Card which I use mainly like a checking account. I pay all my bills and expenses through this credit card account. I inquired about the purchases that month and realized that many of them I had no idea what they were and how they got on to my account. I have been for the past year working on starting my own company and honestly havent had time to sit down and review each purchase for months of statements. I then decided to hire an accountant to oversee all my finances and the history of each account. His name is XXXX XXXX and was referred to me by a close friend. After a month of researching this account he discovered the massive fraud that has been taking place in my Chase credit card account for years. The fraud dates as far back as XX/XX/XXXX. The charges are total for the 2 years are adding up to approximately {$76000.00}. Chase is working with XXXX XXXX who is representing me on my behalf and has met some resistance trying to get the fraud clear up with charges that are older than 6 months ago. Since I just re3cently discovered the fraud I fell that Chase Bank USA should credit me back of all the fraudulent charges from when they began till the day I shut down that credit card. I just want in a resolution the fraudulent charges that I paid for credited back to me in a timely manner. Thank you for your time.
Consumer complaint received 2018-03-16
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. (AK)

Credit reporting agency is reporting collection accounts that do not belong to me. They refuse to send me what they are using to validate this account. These collections are from supposed chargeoffs. However, there are no chargeoffs from the so called origional creditor on any credit report. How are they validating this???
Consumer complaint received 2023-08-25
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc (FL)

On XX/XX/2023 I contacted Hunter Warfield , Inc. to discuss a settlement option in order to resolve my debt. I was able to come to an agreement with the agency and which point I was told that no such proof of the agreed upon settlement offer could be provided nor would any receipts of payments made toward their agency be provided. To my knowledge, this a direct violation of XXXX. Additionally, during a follow up conversation with collector, XXXX, did not read the mini XXXX disclosure. To my knowledge, this a direct violation of FDCPA. I would like to resolve my debt with the creditor via Hunter Warfield, but their communication tactics have been unhelpful, unprofessional, and seemingly deceitful.
Consumer complaint received 2023-04-28
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. (OH)

I recently went to try to apply for another mortgage, but I got copies of my credit report and noticed a lot of inaccuracies.My reports should be 100 % accurate and the credit bureaus are willfully reporting negative items, which is unfair because this is directly impairing the banking system and ruining my reputation with the banking system. I demand that all inaccurate items be deleted immediately because they do not belong to me. My information was made public in the various data breaches ; XXXX data breach is one of them and someone successfully opened up accounts that were unauthorized and I didn't not consent to.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

TransUnion responded to CFPB that XXXX XXXX XXXX reporting is not on my credit reports but it is TransUnion XXXX and XXXX should remove XXXX XXXX XXXX  reporting immediately from my credit reports
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The account was referred to a law firm for payment in XXXX. I received a letter from the law firm stating that they had closed the account and documented it with the County Clerk in XXXX, NY. They stated they would not pursue payment or accept payment. Yet they reopened it under XXXX XXXX XXXX for the XXXX XXXX XXXX and have refused to take it off my report. Therefore I insist that this is a fraudulent charge, as per the FCRA.
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CO)

I received multiple notices in regards to a debt from company called Midland Management referencing, XXXX XXXX. I believe the amount that debt collector is attempting to collect is an invalid and incorrect amount and debt collector has used tactics that violate my federally protected rights under 15 USC 1692 ( b ).
Consumer complaint received 2018-03-26
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)

There is a collections item listed on my Equifax Credit report from XXXX XXXX XXXX, XXXX that was listed XX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both Equifax and XXXX XXXX XXXX asking for Validation of the debt. The confirmation number for the dispute for Equifax is XXXX. I received a letter in the mail from Equifax dated XX/XX/XXXX stating the debt was verified as belonging to me. I called XXXX XXXX XXXX at XXXX. The representative from XXXX XXXX XXXX stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX  '' for a request of validation and has not yet received a response. I called Equifax Customer Service and spoke with a supervisor named XXXX who refused to give me her initial of her last name who stated that XXXX XXXX XXXX responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised XXXX that I called XXXX and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that Equifax is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called XXXX XXXX several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!
Consumer complaint received 2024-08-17
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. (AL)

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 15 USC 1681.

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.

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.
Consumer complaint received 2018-03-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I received two refunds onXX/XX/XXXX from XXXX XXXX thru PayPal.

The funds from the refund for {$41.00} was immediately made available. That balance was actually used towards a replacement order onXX/XX/XXXX Another {$370.00} was withdrawn from my checking account. The refund of {$400.00} shows as refunded but the funds have never shown back in the PayPal account. Account balance is {$0.00}.

XX/XX/XXXXI noticed the {$370.00} withdrawal from my checking. I did not understand why, so I called PayPal on the morning of the XXXX After navigating their auto phone maze, I spoke with an Agent. I asked why funds were taken when they still owed me {$400.00}. First he said I used it against the purchase onXX/XX/XXXX. Then put on hold for while, came back and said it takes 5 to 7 business days. I pointed out that I received one of the refunds that was processed the same time. He remained with 5-7 days, and would not explain why.

XX/XX/XXXX, day 7 I call again, after the two minute hold this time I was told that XX/XX/XXXXhadn't completed their transaction, so my refund hadn't been processed. I asked why would or how your system know there was a refund if XXXX XXXX didn't notify you?. Put on hold 7-10 minutes. Upon return, I will need to transfer you to a specialist.

I hung up. I decided to try the website, sent an email, received a caned response and then a second response : Good day. Thank you for contacting PayPal about your transaction.

I'm unable to determine what transaction you are referring to. If you are pertaining to your transaction with XXXX XXXX XXXX   I regret any confusion and inconvenience this delay may have caused. We have identified a technical issue that the refund was completed but still pending on receiver 's account.

I have noted that your account has been affected by this and will pass on the information to our technical support teams who are working on a solution in a quickest possible time.

I humbly ask for your extended patience and understanding.

Thank you for being a valuable member of the PayPal community. Take care.

Sincerely, XXXX Consumer Support PayPal Copyright XX/XX/XXXX PayPal. All rights reserved.

XX/XX/XXXXI have called everyday sometimes I get to the specialist, never a manager. All have assured me my funds will be released in 1 to 24 hrs. Nothing has changed, I was given a ticket number once by, and on subsequent emails I have sent in response to their emails doesn't match.

I believe eitherXX/XX/XXXX the Agent had me try to file a dispute thru my PayPal account. I could not dispute the original purchased, since it had be refunded. And I could not get the refund dispute to accept.
Consumer complaint received 2023-08-25
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account 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 intrusions. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. 5. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. DEPTEDXXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account 8.DEPTEDXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing this to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges listed. I ask that the items be deleted to correct my credit report. I report this theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2018-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''.  However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
Consumer complaint received 2023-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (AL)

In XXXX, I took out a Discover student loan to attend graduate courses at XXXX University. In XXXX, I dropped down to less than half time due to health issues, and the loan went into repayment without my knowledge. Discover sent me an email saying they were going to charge off my loan on XX/XX/XXXX. But then the charge-off never happened. Now they are sending me emails saying they want to charge it off now. I went online to look at my credit report, and the company only has the loan information from XXXX on there. Theres no missed payment information from XXXX. 

I called the company once before to discuss this, and they were threatening me over the phone, so I decided to never contact them again about it since they dont want to help people. I was struggling with health issues, wasnt working, and couldnt afford the payments. ( I was staying with my boyfriend at the time who was supporting me. ) They just want to bully and intimidate you into giving them money that you dont have. 

My first missed payment was in XXXX or XXXX I believe, after I had dropped down to part-time. 

I believe the company is dragging out the process as a deceptive practice to buy them more time to collect from me, as the statute of limitations is 7 years, which their 7 years is already up if the repayment started in XXXX. 

Attached is an email I found from XX/XX/XXXX saying that I had a missed payment. I know I had some starting in XXXX or XXXX though. Also attached is the email from them saying they were going to charge off the account on XX/XX/XXXX.
Consumer complaint received 2018-03-16
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: JPMORGAN CHASE & CO. (FL)

SOMEONE tried to open a credit card at XXXX  XXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX XXXX on XX/XX/XXXX OR with CHASE on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!
Consumer complaint received 2018-03-15
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

I recently had my bankruptcy case dismissed because I could not pay my account. I certainly can not make student loan payments. I still do not have a job ( after 10 years of being unemployed, underemployed or partially employed ). 

My original student loans were about 80K or so when I went into bankruptcy. They are now reporting over $ 120K and charging me close to {$1000.00} a month in interest, so each month I don't pay, my loans go up and credit score goes down even more. I DON'T HAVE A XXXX INCOME, AND AT THIS RATE I WILL NEVER BE ABLE TOPAY. 


I'M XXXXL OVER THIS. I HAVE NO RECOURSE AND NO WAY TO PAY THIS.
Consumer complaint received 2018-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (UT)

I have had a Home Equity Loan with Wells Fargo Bank. I have made timely payments throughout the duration of this loan. Today I learned from a third party that my Home Equity Loan with Wells Fargo Bank has been converted to a home mortgage in the sum of {$220000.00} with a different account number. A recent home appraisal shows the present value of this home as {$230000.00}. Upon further scrutiny, the statement I have received from Wells Fargo for this month, payment due XX/XX/18, indicates a different loan number with payment being payable to Wells Fargo Home Mortgage instead of Wells Fargo Bank. Last month 's statement simply indicates the usual Home Equity Loan information, so this change by Wells Fargo was made quite recently. 

I have not applied for a home mortgage from Wells Fargo! I have not received any prior notice from Wells Fargo that my Home Equity Loan was being converted to a Mortgage! This conversion to a home mortgage was done by Wells Fargo without my knowledge, without my consent, without my signature, without lawful reason! I have no knowledge as to the terms of this Mortgage imposed upon me by Wells Fargo! 

I spoke to a Wells Fargo officer this morning asking how in the world Wells Fargo could have done this. He did not answer my question.