davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Bank keeps replying as they contacted me to issues of fraud committed by them. there has been no effort just some computer generated letter as before time after time. There has been no mail contact but the same XXXX letter were working on it. 
There has been no effort to explain or justify information requested. I have also file with the US justice department and the US attorney office on documents that's been altered and forge by Wells fargo bank.
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

They say that my account would be close and my money was going to be sent to me but this still has my account suspended and under review is they dont send my money in XXXX week I whould been reported to the XXXX and going to sue then.I am tired of the game they bit playing with my money who they think they are not even theXXXX  play like with people.worst back ever
Consumer complaint received 2023-07-08
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: U.S. BANCORP (OH)

Roughly one-third of the way past the first of each month, I consistently receive a text message between approximately XXXX XXXX XXXX XXXX XXXX. from XXXX XXXX ( XXXX ) telling me that owe them money for a credit card. These text messages rudely awaken me, disturbing my sleep and have adversely affected my XXXX.
Consumer complaint received 2015-08-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (AZ)

This debt collector placed negative information on my credit report without notifying me. Furthermore, since this debt collector has not validated that they are legally entitled to collect the debts they have listed, they are RE-AGING accounts listed on my credit reports in an effort to keep them there longer.
Consumer complaint received 2018-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Navient happened. 

Approx XXXX, a Navient employee convinced me to consolidate all of my law school loans ( all $ XXXX ) into the XXXX XXXX XXXX loan, telling me I would automatically be entered into the PSLF if I did. I later found out this was a lie, because my loans would be with XXXX XXXX if I had. And my loan balance has increased to $ XXXX. 

XX/XX/XXXX, I re-certified both my student loans with Navient : XXXX XXXX ( due on the XXXX of each month ) and XXXX ( due on the XXXX of each month ). My payments for XXXX XXXX drastically increased from XXXX {$390.00} to over {$500.00}. XXXX remained the same at {$81.00}. I kept getting e-mails to re-certify my XXXX loans or my payments would go up to {$300.00} beginning in XXXX, putting my total balance owed to Navient - and not counting my bar loan - to over $ 900/mo which greatly exceeds 15 % of my monthly discretionary income. 

I logged into the appropriate site and found that I re-certified in XX/XX/XXXXXXXX. No re-certification is necessary. Instead, what appeared to have happened was that Navient ignored that I re-certified for the second loan and erroneously sent the recertification notices and improperly charged me for my law school loans. 

On the afternoon of Friday, XX/XX/XXXX, I called Navient and spoke with XXXX XXXX. I told him the issues and that I can not afford the $ 900+/mo payment. He immediately gave platitudes and I told him to knock it off. I don't want platitudes. His solution was forbearance. I told him this was not a viable option. Then he suggested I roll my XXXX loan balance ( 2.5 % ) into my law school balance ( 6.0 % ) and that would get me a lower rate. I told him XXXX no. That benefits his company, not me. Why would I roll a lower interest rate loan into a higher one? 

He simply offered to research the issue, but recognized the issue as I described above : Navient failed to properly account for the re-certification.

On top of all this, just before calling, I enrolled from IBR to PAYE.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I have reached out to Experian multiple times regarding this public record. 
Each time they say that information is correct and verified. 

When I complained recently to CFPB about XXXX XXXX double-reporting a settled account, XXXX XXXX replied to the complaint ( CFPB Complaint # XXXX and XXXX ) that they had ask for Experian to delete this record on XX/XX/2023. 

Experian has not deleted the Public Record as they were asked to do by XXXX XXXX.
Consumer complaint received 2023-07-08
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (PA)

Exeter Finance LLC have been purposefully charging me extra fees in excess of {$2000.00} over the past XXXX  months in late fees after Informing them that I need to change my due date to XXXX of every month to help me pay my car payment onetime. 

I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month I called on XX/XX/XXXX to inform them that I need to change my due date from the XXXX to the XXXX of every month
Consumer complaint received 2023-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monarch Recovery Holdings, Inc. (GA)

NO PP/ NO PERSONAL GUARANTEE XXXX ACCOUNT FOR LLC BUSINESS XXXX  XXXX XXXX XXXX XXXX I HAVE NO SIGNED CONTRACT WITH XXXX, NOR THIRD PARTY DEBT COLLECTOR MONARCH RECOVERY MANAGEMENT, DEBT WAS PAID ALREADY SUBMITTED1099A & PAYMENT LETTER, DATED XX/XX/2022.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Medical Business Bureau (IL)

I was in an automobile accident last XXXX and a bill from the accident was paid by my insurance ( or so i was told ) and then 6 months later a collection company reports i owe them {$50.00}. I was never called, never recieved a letter, no communication what so ever and they were allowed to put something on my report on XX/XX/2018 which dropped my score 30+ points and caused me to be denied credit because if them. I still have never recieved anything from them saying i owed then anything. I finally got them on the phone and paid {$50.00} just to resolve it quicker but they improperly ruined my credit for several months and now will have to wait for them ti remove it when i was not even told about it.
Consumer complaint received 2023-07-08
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. (NV)

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (LA)

Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX  and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-26
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: EQUIFAX, INC. (FL)

I've called all 3 credit bureaus about these hard inquiries that appeared on my credit score. I've spoken with consumer service and they did not do anything. All year long I have been fighting these hard inquiries and recently notice more duplicate inquires and some that re-appeared from 4 years ago. 

XXXX  >XXXX >XXXX >XXXX >XXXX  >XXXX  >XXXX   >XXXX >XXXX >XXXX  >XXXX   >XXXX >XXXX  >XXXX >XXXX  >XXXX >XXXX   >XXXX >XXXX Equifax >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 2018-11-14
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. (CA)

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX
Consumer complaint received 2023-07-08
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. (LA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (TX)

I applied for discover credit card on XX/XX/2018 and I was told that I need to send in some documents by fax which I did and it cost me XXXX out of my pocket and now they told me they needed more paperwork from me and its costing me more money and said that it was rejected by XXXX and I need to resend them again which I refused to do ... discover said it was the wrong date which is XXXX-2018 and each time I called discover about my account they refused to help me out with my account and I felt discrimated beacuse of my color cause I fax in my ID to them front and back showing my face ... and they kept telling me talk to next dept ( security ) and I dont like this company and I want to be treated fairly
Consumer complaint received 2018-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX increased my credit line on XX/XX/XXXX to {$6800.00}. On XX/XX/XXXX I received a decrease in credit to the balance of {$4300.00} which had an adverse affect on my credit. My credit usage went from 63 % to 93 % this caused my score to be lowered by 12 points. I called ( I'm not sure what date ) to inquire  about the decrease and it was confirmed accurate and was stated based on the activity on my report. On XX/XX/XXXX there was an alert on my credit report for over or at the credit limit. I called on XX/XX/XXXX and was advised that the minimum payment that was stated on my bill was not the actual minimum amount and that a higher amount was needed to cover the minimum. I was also advised there was a credit protection on my account which was causing additional interest on my account every month. I received a letter dated XX/XX/XXXX that states my credit was accessed on XX/XX/XXXX and my credit limit was again be decreased to the balance of {$3200.00}. This decrease was reflected on my credit report on XX/XX/XXXX having an additional adverse affect on my credit score. One of the reasons they use for lowering my limit is " Proportion of balances to credit limits on Bank/National revolving or other revolving accounts is too high '', however, they have been the reason that the credit limits are too high.
Consumer complaint received 2023-07-08
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. (FL)

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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-08
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

Due to XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof for inaccurate, incomplete, fraudulent information or information can not be verified, in fact therefore exists. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2023-07-08
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma (GA)

for the past 90 days since XX/XX/XXXX i have not received an accurate report of my credit/XXXX XXXX i was placed as an authorize user but still never got an accurate score reflecting me as an authorize user
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.