davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-01
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: WELLS FARGO & COMPANY (KY)

This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX WELLS FARGO BK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK (TX)

About three weeks ago I opened a new Discover XXXX XXXX account with an online promotional offer. According to this offer, after I deposit XXXX balance, I should receive XXXX  bonus credit in my XXXX savings account. Then I deposited XXXX to my XXXX savings account over two weeks ago. However, so far I have NOT received the XXXX bonus in my account yet. 

I have a friend who opened the Discover XXXX savings account around the same time as me but he has already received his XXXX bonus. But I have NOT received any bonus yet. 

I request Discover Bank to post the {XXXX to my Discover XXXX savings account immediately without any further delay.
Consumer complaint received 2018-01-01
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. (KY)

This is I believe the second request to remove all non-account inquiries over 30 days old as I did not initiate these inquiries. This company is required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account/contract with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Creditor Name Date of Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (KY)

The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? 

They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f.

This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to  remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Thank You, By : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

XX/XX/XXXX-XX/XX/XXXX ( XXXX university ) & XX/XX/XXXX-XX/XX/XXXX ( XXXX University ) Loans have been transferred several times to different servicing company. Loan amount continue to get higher, currently {$150000.00}! 

Navient processing are the loan services right now and fail to communicate with me in a manner that I understand.
Consumer complaint received 2018-01-01
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. (PA)

Opened account with XXXX XXXX in 2004. Account was inactive for two years. XXXX XXXX automatically closed account and shows records for it being closed. Equifax shows the account as open and I would like my report to show it was closed.
Consumer complaint received 2018-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Request a RESPA from XXXX XXXX XXXX XXXX However they redirected tequest to servicing company ( WELLS FARGO ). 

Requesting XXXX, TILA & RESPA from first date of origination XX/XX/XXXX. 

XXXX XXXX originators filed bankruptcy, sent to ASC and now Wells Fargo. 

Also, request a amorizatiin from XX/XX/XXXX-present.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-01-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I bought a car through XXXX XXXX XXXX in XXXX XXXX FL several years ago through credit acceptance. I have paid extra money plus regular payments charged per month. They have charged me extremely high interest and fees making difficult to pay loan off. I have called financing company to lower interest but no such luck. car loan is automatically taken out of bank account. I have never been late paying nor never missed a payment. In addition they have put non accurate information on credit report for amount paid. Since purchasing car XXXX XXXX went out of business. I think it should be illegal to charge so much interest and fees against people with low credit. I am XXXX veteran and feel there is no end in sight of ever paying off credit acceptance.
Consumer complaint received 2018-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The unvalidated items listed on my credit report in violation of Federal Law [ 15 U.S.C Section 1681 ]. This company is required under the FCRA to have a copy of the original creditor 's documentation of file to validate that this information is mine and is correct. In the results their first investigation, they stated in writing that they " verified '' that these items are being " reported correctly ''. Who verified these accounts with valid proof? 

They have NOT provided me a copy of ANY original documentation ( a Consumer contract with my wet live signature on it ), as required under Federal law. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... .promptly DELETE all information which can not be verified. '' Under the Administrative Enforcement [ 15 U.S.C. Section 1681s ], the law is very clear to remedy the Civil Liability for willful noncompliance [ 15 U.S.C. Section 1681n ], Civil Liability for Negligent Compliance [ 15 U.S.C. Section 1681o ] and Obtaining Information Under False Pretenses [ 15 U.S.C. 1681q ] if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be validated or deleted immediately under these false allegations. I have no contracts with these corporations ... .15 U.S.C. Section 1692f. 

This is also a request to remove all non-account holding inquiries over 30 days old as I did not initiate these inquiries. They are required by law, according to [ 15 U.S.C. Section 1681b ] Section 604 ( c ) to remove all inquiries that I did not initiate. What valid proof does the creditors/companies have for the inquiries on my credit report to be, according to them, " a factual record of file access '' when I have no account with them? Non-account holding inquiries and unvalidated inquiries that remain on my credit report that they failed to with maximum accuracy to validate and verify shall be remedied by enforcing my rights under the FCRA. The following inquiries need to be removed from my credit report immediately. 

Thank You, By : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (TX)

My daughter and I financed a car in XX/XX/XXXX through XXXX XXXX. In XX/XX/XXXX she refinanced the vehicle with our credit union in her name only. The pay off was submitted and made by the XXXX XXXX XXXX and the XXXX XXXX account was closed. At the beginning of XXXX I received a call from an associate from XXXX XXXX stating that there was an outstanding balance on the account. They sent me an email and I forwarded the information to the credit union to get clarity and to have the issue resolved. The associate from the credit union reviewed the papers I sent as well as their records and explained that the account amount was confirmed and paid off and there is nothing outstanding. This is clearly seen in the documentation provided to me by XXXX XXXX. I have communicated this information to XXXX XXXX on several occasions and they do not agree even with the proof that they agreed that the amount was correct and with also having their own reports that show that the account was paid in FULL with a XXXX balance in XX/XX/XXXX, they will not correct the records. They have impacted my credit to my detriment.
Consumer complaint received 2024-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

I am filing this formal complaint regarding Experian 's failure to comply with my credit report dispute, dated XX/XX/year> ( DISPUTE IDENTIFICATION : XXXX XXXX XXXX XXXX ). In this dispute, I specifically requested a detailed timeline and complete procedural documentation of the investigation conducted by Experian on the disputed items on my credit report. Experian has failed to provide the required documentation, which is mandated by the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ).

Violations of the FCRA : Failure to Provide Procedural Documentation and Detailed Timeline ( FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) : I demanded a comprehensive report from Experian, detailing : The dates and times of each investigative action. 
Identification of the teams or personnel involved at each stage of the dispute process. 
A full description of the order in which the information was processed and verified. 
Despite this, Experian failed to provide the necessary timeline and procedural documentation, violating FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).

Failure to Correct Inaccuracies in Multiple Accounts ( FCRA Section 611 ( a ) ) : I disputed multiple inaccuracies, including late payments, incorrect account statuses, and unvalidated debts, which Experian did not correct or properly verify. These errors remain on my credit report despite my formal dispute.

Failure to Address Unauthorized Hard Inquiries ( FCRA Section 611 ( a ) ) : Several unauthorized hard inquiries were identified in my dispute. Experian has neither removed these inquiries nor provided any justification for their continued presence, violating FCRA Section 611 ( a ).

Requested Resolution : I request that the CFPB require Experian to : Delete all inaccuracies from my credit report due to their failure to provide proper documentation and reinvestigate the errors.

Provide the detailed timeline and procedural documentation as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). 
Ensure all future responses are sent via certified mail with return receipt requested.
Consumer complaint received 2017-11-11
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: WELLS FARGO & COMPANY (CO)

I was issued XXXX XXXX Debit card ending in XXXX which happened to be a fake one, not associated to me records. I turned this fake fraudulent card to a bank in XXXX at XXXX XXXX The real debit card end in XXXX has been used for over 150 transaction without my authorization or consent. My case was denied because they say I authorized this transaction which impossible because I never had that card ending in XXXX. 

They have been un willing to connect to explain or reasoning for this arbitrary decision. This effects my credit and my identity. 

Wells Fargo also seem very un concerned that the fake debit card I returned was an issue. 

I would like my case to approved in a more timely manner and Wells Fargo held accountable.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( XXXX, Experian and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XX/XX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue.
2. In XX/XX/XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special Handling US Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
Consumer complaint received 2017-10-13
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: EQUIFAX, INC. (KY)

There are quite a few inaccuracies that i have tried to rectify with all 3 credit reporting bureaus ( Equifax, XXXX and XXXX ). 

1. Mainly being my previous addresses. I have contacted and disputed will all 3 bureaus NUMEROUS times over the past few years and they are refusing to fix it. I have homes on my credit report of which i have NEVER lived, or information that is being mixed in with mine from other family members. I have never lived outside of my county and i have leases to prove where i have lived and how long ive lived there. This is preventing me from obtaining credit and makes me seem unstable. I have even been turned down from a job AND an apartment because of what my credit report showed ( made it appear as fraud ). I called all 3 bureaus on XXXX/XXXX/XXXX to try to update the information again. EAch time i was rerouted, or sent to a special agent that told me that ca n't change anything or remove it because a " creditor '' reported that address. Which brings me to another issue. 

2. In XXXX, for several months i sent out certified letters to each bureau and called each bureau throughout the year. I told them that i did not recognize ANY of the credit inquiries on my report. I was told by a Special XXXX XXXX Agent/Rep that i would have to submit in writing my dispute. I informed her and the other reps that this had already been done. No investigation had been submitted. No one has removed these inaccuracies and once again I was turned down for a credit loan and car loan. This is very difficult for me and I pray this situation gets rectified. It has been WELL over a year and my report remains the same. No disputes or anything further have been filed even though I have called an complained. 

I told them my next step would be to file a complaint with the CFPB, and yet they are very slothful and nonchalant in helping me. I have XXXX children and this is making it very hard to care for them!
Consumer complaint received 2018-01-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (KY)

On XX/XX/2017 Midwest Recovery appered on my credit reports with an amount of {$400.00}. I have NEVER been notified by this company informing my I owe this debt. On XX/XX/2017 I sent a letter asking for verification of this debt they say i owe. I have never recieved anything. Not even a phone call. I called the original creditor of this debt and they have no knowledge of this debt in their systems. They said i didnt owe that debt. I would like for this to be off my credit as I believe Midwest is scamming people out of money. They have broke the law with not verifying this debt and by not contacting me before placing this on my report. I have never received anything from them.
Consumer complaint received 2018-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Hi, My name is XXXX XXXX and for the statement closing date of XX/XX/XXXXthere was a balance of {$120.00} on my XXXX account for which I was charged a late fee of {$27.00} because I made the payment on XX/XX/XXXX the payment due date was XX/XX/XXXX. 

Now the problem here is that I tried making payment online and was unable to do because my online XXXX account does not get linked with the credit card. I have complained about it to the XXXX technical team and they had assured me multiple times that this problem will be resolved but apparently this has not been resolved. I am unable to make the payment online. So for everytime I make a purchase for the payment I have to call XXXX 's customer service. I was out of US for close to 4 weeks from XX/XX/XXXX to XX/XX/XXXX and hence I could not call customer service of XXXX. I called the customer service today and they waived the late fee by {$14.00} because they had already waived the late fee in XX/XX/XXXX for the same reason. 

My point is I should be able to make a payment online without any issue. Why should I pay for the mistake by the XXXX technical team? 

Kindly help in this regard. 

Thanks, XXXX
Consumer complaint received 2018-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I first tried to obtail my free annual credit report online at XXXX. I answered every question that was asked including giving my Social Security number. The online response was that they could not identify me and gave me a phone number to call XXXX. 

I called the number and answered all the questions asked including my Social Security number. in late XXXX I received a letter informing me that they were unable to honor my request for a free annual credit report because I had not provided sufficient information for them to verify my identity. 

I followed the save procedure for XXXX and they were able to send my free annual credit report.
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.