davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (SC)

To whom it may concern, I have been made aware that a credit charge has been placed on my national credit report by XXXX XXXX University and it has been made fraudulently. I have had this discussion with their school officials and Ive told them numerous times I was never enrolled at their institution. It was an enrollment advisor who made this decision on her own fruition after she made notes on the account that she couldnt reach me or and still made a conscious effort to vindictively enroll me without my consent. They kept asking me to write a letter stating this and I told them no because its an admission of enrollment and it wouldve protected and absolved the employee from all responsibilities of what she took upon her to do with out my approval and with any consent, fraudulent on behalf from me. I never confirmed enrollment with any representative at XXXX XXXX University. 

I have spoken to numerous representatives, most of the encounters were unpleasant XXXX and XXXX, some were deceitful and only a few were understanding and kind .I told them I dont agree with what was done and I think it was a biased and prejudice move and that writing a letter would suggest that I did agree to enrollment, and not XXXX XXXX Representative that I spoke to tried to even correct the matter. This so-called enrollment XXXX, documented Im some note taking system that she never spoke with me after our initial conversation of me expressing intention and interests and according to her, as I was quoted by another representative it was like I, ( XXXX XXXX XXXX XXXX dropped of the face of the planet, because she never spoke to me or heard from me again. I am a XXXX individual and Im sure she didnt hear from me again is because Im XXXX XXXX XXXX XXXX XXXX XXXX. Knowing all of this brother this enrollment specialist or her colleagues could help me resolve this issue. All in all, she still thought it was a great idea and continued to go ahead with the fraudulent enrollment illegally and without my consent. Then, XXXX XXXX had the unmitigated gaul and audacity to turn this over to a collection agency, XXXX XXXX XXXX for {$13.00}, XXXX I have contacted Federal Student Aid, NELNET, XXXX Department of Education, XXXX XXXX XXXX XXXX and the local news outlets to help me get this resolved for good. I am extremely hurt and disappointed by what XXXX XXXX made a conscious decision to do and also in their lack of understanding in attempts towards resolving this as well. Filing these fraud charges against XXXX XXXX is the only way its going to get permanently resolved, removed and dismissed. 

I can be reached at XXXX to further discuss how this is going to be resolved and rectified by XXXX and its representatives. 

Respectfully submitted, XXXX XXXX
Consumer complaint received 2023-11-12
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. (NJ)

There is a account on my credit report from XXXX XXXX that I do not recognize your firm has violated the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX XXXX Transunion As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life. 
I am now demanding the immediate and complete removal of this account from my credit reports XXXX, XXXX XXXX Transunion ). 
As I am currently attempting to apply for credit, time is of the essence. Please understand that I am
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (FL)

In accordance with the fair credit reporting act these creditors 1 : Chrysler Capital XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2023-03-22
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: I.C. System, Inc. (FL)

I sent a letter asking XXXX, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below XXXX XXXX XXXX XXXX : XXXX BAL : {$0.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO CHILDSUPPORT ACCT # : XXXX BAL : {$6100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX CREDIT CARD CO I C SYSTEM ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCT # : XXXX BAL : {$910.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX BAL : {$6900.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCT # : XXXX BAL : {$2300.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX ( original Creditor XXXX ) ACCT # : XXXX BAL : {$1800.00} DATE OPENED : XX/XX/XXXX Collection XXXX XXXX XXXX ( Original Creditor : XXXX  ) ACCT # : XXXX BAL : {$520.00} DATE OPENED : XX/XX/XXXX XXXX
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

Scam XXXX take my money as the following : XX/XX/XXXX XXXX From XXXXXXXX XXXX wire transfer at second day I got a call : fraud JP Morgan Chase Bank did 7 times wire transfer to the scammer, until today they never call me just keep going sent to scammer. some time receiver also Chase bank 's customer. 

XX/XX/XXXX {$19000.00} XX/XX/XXXX {$57000.00} XX/XX/XXXX {$70000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$50000.00} XX/XX/XXXX {$20000.00}
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have submitted two CFPB complaints, XXXX & XXXX - XXXX XXXX & XXXX TransUnion and still to date I am yet to receive what was requested by law from these two agencies. XXXX has complied. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority. 

XXXX AND TRANSUNION are obligated by the FCRA to report accurate accounting. I have advised them of the accounts that resulted from fraud. By LAW, these companies had 4 days to remove the items, to date they are not removed. A FTC fraud report was filed along with CFPB and a statement from me the consumer. I am now requesting XXXX AND TRANSUNION to remove accounts immediately. I am not asking for an e-oscar report. SAID companies are liable under the SEC to follow certain rules. XXXX Commission number XXXX, TRANSUNION Commission number XXXX. I will be filing form XXXX treasury omb forms to audit consumers account. XXXX AND TRANSUNION are securitizing consumers data yet refuse to provide correct resolution per the LAW. Again, per, THE SECURITIES EXCHANGE ACT OF 1934. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition.

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Im issuing a Notice of Impending Litigation. Ill attach the official document to the attachments along with supporting documentation. Ill also be sending the Notice of Impending Litigation to the registered agent listed for Equifax through the Secretary of State and a copy to the Federal Trade Commission as a formal complaint thatll be used as evidence pending litigation if this agency fails to comply with this offer of settlement.
Consumer complaint received 2023-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

My father XXXX XXXX used my name, date of birth, social security number, address, and phone number to get multiple loans and open multiple credit cards.These accounts were opened when I was in middle and high school without my consent.I knew nothing of the accounts until XX/XX/2023 when I looked at my credit report through experian for the first time ever.Ive disputed all accounts and are still waiting on results to clear my name. I have filled a police report and pressed charges opening an investigation.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, hope all is well. 

Please review my complaints. 
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 I told the Transunion to reinvestigate these accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However , they stated everything was complete and accurate. But how is that possible if the open date, date of the last activity, high balances, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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. Im looking to buy a home in the next few months, and this is really putting a halt to my progress. Please help. Thanks, XXXX XXXX
Consumer complaint received 2023-03-22
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: JPMORGAN CHASE & CO. (TX)

Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score.

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me.

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries from the following companies XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from both XXXX XXXX XXXX  account credit cards from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. XXXX XXXX XXXX XXXX  continues to violate the law by posting incorrect information on my credit report. I have already spoke with XXXX XXXX XXXX on multiple occasions and they continue to tell me that this will get resolved and it has not been.
Consumer complaint received 2023-03-22
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: CITIBANK, N.A. (TX)

Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score.

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me.

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/2023 I received a text message from Wells Fargo in regards to my credit card being breached. We resolved this issue by getting me a new credit card, which I received on the XXXX. Then on XX/XX/2023 I received a phone call from ( XXXX ), who appeared to be again Wells Fargo. This communication felt warranted due to the recent handlings with my card breach. This fraudulent caller, whom was under the contacts name and number of Wells Fargo, asked me about some recent activity to my business checking and savings accounts. This call lasted an hour and fifteen minutes long ; then I was told all was being handled and I would be contacted shortly by Wells Fargo when it was settled. Three days later, on Friday XX/XX/XXXX, I checked my accounts. I saw that XXXX dollars was missing from my checking account as well as XXXX dollars missing from my savings account, plus transaction fees. At this time, I tried to call Wells Fargo Fraud Department but it was XXXX pm and they were closed for the weekend. After what seemed like an eternity of a weekend, on the morning of Monday XX/XX/XXXX I went to the local Wells Fargo branch where I was moved along to multiple different agents before being able to put in two claims. I went on vacation and Wells Fargo never contacted me. On approximately XX/XX/XXXX I received two letters in the mail stating that the missing funds were gone and non-returnable ; the claims were then considered closed. The next day XX/XX/XXXX I went to my local Wells Fargo again where at this time the claims were escalated by the branch manager while I was there and I was told someone would contact me in 24 hours. After 24 hrs. I called them and I was told it was my fault for being scammed and there was no more they could do. 
Please note : the Number that called me XXXX XXXX when called does not go to a real Wells Fargo department. It goes to Someone pretending to be with them. 
Also, the real Wells Fargo sent me a text message that I never responded to but they let the wire go through anyway without my approval or disapproval.
Consumer complaint received 2023-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

XX/XX/2022, received text and phone call from Wells Fargo regarding a wire transfer initiated for the amount of {$22000.00}. This was not authorized by myself or anyone else authorized by me. I advised the same to Wells Fargo and told them not to send the funds. We are later advised by Wells Fargo that it was not them on the phone and they contacted the receiving bank ( XXXXXXXX XXXX XXXX and the funds were no longer available. Proper steps taken to file a police report. Claim filed with Wells Fargo to recover the funds. Wells Fargo denies to refund the funds stating my user name and password were used to initiate the wire. In futher communications with Wells Fargo they advised they would refund the funds if I can prove it was not myself or someone else I authorized authorized the wire. they said as long as I can confirm my phone was compromised they would refund the funds. I have since supplied call history and a letter from my cell phone provider confirming my phone was compromised and all my calls and messages were sent to a fraudulent phone number. We have also supplied a verification letter from our local police confirming the same. To date, Wells Fargo has not agreed to refund the money despite confirming this was fraud. it is also our believe this may have been a breach of my user / pass information at wells fargo
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

XXXX bill pay from Bank Wells Fargo to XXXX XXXX for {$9800.00} sent by a XXXX XXXX to XXXX XXXX account XXXX this showed up as a payee in my account which I did not setup. On trying to resolve with Wells Fargo fraud on the phone. I was told sorry you did it or you gave your info to someone who did it. Basically too bad. I got a hold of a supervisor who called XXXX. fraud to find out that account number has been closed due to bad activity. XXXX I was told W.F. has closed the investigation and will not return my funds. They have told me they sent me letters which I have never received. 
dealing with them has been a frustrating task people can not help and are always passing on to another dept. to start all over again. 
I believe the bank got hacked and my funds stolen, which they will not admit to.