davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (KS)

On Thursday, XX/XX/XXXX, I transferred money via XXXX through my Wells Fargo app for concert tickets. I transferred {$400.00} from my Wells Fargo savings account to the seller. After realizing I was scammed, I immediately called and filed a claim with Wells Fargo and received a case number. Have not heard back after filing the incident.
Consumer complaint received 2019-05-21
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. (IL)

Equifax XXXX and XXXX and XXXX XXXX. people gas light and XXXX .XXXX/XXXX/XXXX  {$220.00} identity theft.
Consumer complaint received 2019-05-21
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account XXXX  ( ORIGINAL CREDITOR : XXXX  )
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (CO)

Allied Collections has continually " verified '' that an account is valid. This debt is over the time limit that is allowed to be placed on my credit report. When I attempt to dispute they just " validate '' the debt. No responsibility for this debt has been claimed by me to this company. So there is no reason for them to re-age the debt or otherwise continue to report this old debt. This account is far beyond the statute of limitations for the state it originally occurred in.
Consumer complaint received 2019-05-21
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-05-21
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. (MS)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXXXXXX, XXXX XXXX XXXXXXXX , XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home ... XXXX   XXXX, XXXX XXXX, XXXX/XXXX  XXXX,
Consumer complaint received 2019-05-21
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. (GA)

XXXX is doing their normal delay tactic. You all know the current administration is stopping you from investigating Student Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request Promissory Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent XXXX, XXXX, and Experian the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : XXXX : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE XXXX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report XXXX. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from Student Loan Services especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter XXXX sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the XXXX report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report XXXX along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.
Consumer complaint received 2019-05-21
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. (NY)

I am filing this complaint as it seems like Equifax is blatantly ignoring my requests to delete a bankruptcy Chapter XXXX # XXXX that is on my report. On XX/XX/XXXX I sent a dispute to delete this bankruptcy informing them of all the errors that this entry had and on XX/XX/XXXX they sent me a response via mail stating that it was verified through XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. On XX/XX/XXXX I sent a method of verification to which they replied on XX/XX/XXXX without providing any information except that it was verified via XXXX. I then sent another dispute via certified mail on XX/XX/XXXX requesting for the removal of said bankruptcy because it was not verified, I included the letter from the Bankruptcy Court stating that the court DO NOT provide information regarding bankruptcies to the credit bureaus, and on XX/XX/XXXX, past the 30 days for response, Equifax sent me another letter stating that it was verified via XXXX. On XX/XX/XXXX I sent a final letter asking Equifax to delete this entry because it has not been verified after all my previous correspondence, along with the letter from the Bankruptcy Court, and parts of my report with XXXX where it shows that there is no entry related to a bankruptcy. To my disappointment, on XX/XX/XXXX Equifax replied stating that it was verified via XXXX. 
On XX/XX/XXXX I spoke with a supervisor at Equifax and this person was telling me that XXXX inserted this Bankruptcy on my report, which seems strange because it should come directly from the bankruptcy court. Then this person proceeded to say that in case there was no bankruptcy in my XXXX XXXX report, then XXXX needed to inform Equifax and IT WAS NOT Equifax JOB TO INVESTIGATE this entry. 
How can Equifax not provide method of verification?, how can I know for a fact that they did a comprehensible investigation if according to the last representative I spoke with, Equifax DOES NOT INVESTIGATE?, and if they verified/checked XXXX, and there is no bankruptcy on my file ( for which I provided proof ), they are still stating that the bankruptcy was verified via a 3rd party company that does not have this bankruptcy in my credit file? therefore I DEMAND THAT THIS BANKRUPTCY BE DELETED from my report IMMEDIATELY. I am attaching all the correspondence I sent to them as well as the companys response ( in which they repeatedly states that XXXX was used to verify this bankruptcy ). It seems like they are LYING and not conducting an investigation AT ALL. 
I don't think that at this point there should be no additional investigation ( Equifax had 3 months to actually provide proof/verification/reach out to XXXX XXXX and it is clear that they are not doing this.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (CA)

I recently applied for an apartment through the XXXX XXXX housing Authority and was denied due to an eviction. However I had this particular judgment removed off of my credit reports almost 4 years ago due to inaccuracies in the amounts and also spelling of the names. I contacted the XXXX superior courthouse to get all of the information to take care of this judgment so I can provide a roof over my childrens heads and they gave me the information for the account holder which is the eviction center who represented the previous landlord and this landlord is no longer a client with them and they have no way to contact him since he owes the company money. I have the emails from the eviction center stating they have no contact with him and have not been able to forward my information to him. Please help me figure this out Im going to end up homeless with my XXXX kids and Im a single parent. Thank you and XXXX bless.
Consumer complaint received 2019-05-21
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. (FL)

In XX/XX/XXXX I checked my credit score with Experian.It was XXXX. It should have been much higher.I found 1 problem on my account involving XXXX XXXX. In XXXX, I leased a XXXX car and the payments went to XXXX.During the 3 year lease all 36 payments were made on time.The car was a " lemon '' and  had 4 recalls during the 3 year lease including the XXXX '' death ignition which killed  at least 13 people across the U.S. and had to be replaced by the dealer. At the end of the lease I noticed spider cracks on both headlights and consulted a local automotive expert who opined that the headlight covers were defectively manufactured and prescribed some acrylic to prevent the small cracks from expanding. At the end of the lease, the car was returned to the dealer with less than 7000 miles. It had not been damaged or even nicked .There was no complaint by the dealer about the headlights. Six months later, XXXX claimed that I owed {$890.00} for the headlight covers. I wrote them a two page letter explaining the above details and they sent a letter back saying that they had written the {$890.00} off and the matter was closed. When I learned that Experian was treating this as an open account that hadn't paid since XXXX, I appealed.They responded by lowering my score to XXXX and extending the expiration date
Consumer complaint received 2019-05-21
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AZ)

I opened my bank e-mail account and saw and this is a recent update because the amount went down on the cash account? Which wells Fargo Mortgage department could not answer me what a cash account is. I do not like what is going on is this illegal are they playing with my mind and account because if you put it there you would be able to answer me about that cash account that was the Presidents office of Wells Fargo. Second I received the information in the pages I sent you. WHAT IS GOING ON.I have waited since XXXX of last year for a answer. IM fed up answer me make a decision its not that hard I found it myself and I don't have a degree
Consumer complaint received 2019-05-21
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. (GA)

Back in XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect  consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, XXXX, and Trans Union to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX highest balance of {$2000.00} new balance of {$3000.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX highest balance of {$1100.00} new balance of {$1400.00}, and XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account # XXXX Balance {$11000.00}. There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2019-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

In XX/XX/XXXX I contacted by phone XXXX XXXX XXXX XXXX to setup Internet for my apartment. In exchange for agreeing to one year contract to keep the Internet service the company agree to price lock of two year and give me a tablet computer with 100 mb of data per month. In XX/XX/XXXX I  move to a place where I had a choice of Internet providers and I returned all of the equipment that the company requested me to return and paid the finial bill and closed the account with no money due. Now XXXX XXXX XXXX has turned over my account to and ERC account number XXXX phone number XXXX. XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. 

Since all terms of the original agreement has been satisfied I consider any attempt to collect on a debt to be fraudulent on the part of this company. The company has placed a mark on my credit report and I would like this removed and the company clear this fraud immediately. 


Thanks, XXXX XXXX
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (CA)

I learned today, via my wife, that Navy Federal withdrew {$160.00} from our Joint Checking Account with Navy Federal to pay a past due credit card balance with no previous authorization from myself to do so. They won't speak with my wife because, despite being a joint account holder for the checking account, she is not a joint holder on my credit card account. Now typically, as shown through my Navy Federal Credit Card ( XXXX XXXX XXXX XXXX ) payment activity, when I do miss a payment, I pay twice the amount the following month. Now, no one from Navy Federal Credit Union called me and left a message regarding the past due bill, they just automatically withdrew the money. Initially, I had my wife reach out to Navy Federal to resolve the situation but despite being a joint checking/savings account holder, they would not speak to her about the unauthorized deduction from the account because it involved my credit card, to which she is not a joint holder. In speaking with the credit collections department at XXXX, today, XX/XX/2019, they stated as part of Navy Federal 's Credit Card 's Terms of use they can make an such a deduction. I explained to them, that this is not legal and specific authorization has to be made by me or my wife to do so. I requested, then demanded the return of the {$160.00} as that is my son 's money ( who is XXXX going to be XXXX ). I am requesting the CFPB look into this issue regarding financial institutions who issue credit cards being allowed to make unauthorized deductions from private accounts without obtaining verbal or written authorization to do so. Thank you for your time.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MA)

My Home depot store credit card issued by Citibank , N.A . had it's credit limit decreased which caused my credit score to drop. I was not contacted in anyway that this took place by Citibank. I was alerted by the credit reporting agency that my score had dropped due to the credit limit decrease. I contacted Citibank and was informed that they decreased my limit due to no purchase activity. I informed them that I was not made aware of the limit decrease by them and asked that the limit be reinstated. Citibank customer service stated that they have to pull a hard report in order to put the limit back to where it was. I declined the increase as it would damage my good credit and that it would drop my credit score even more. I was advised that they should have notified my that they were going to lower my limit. I then spoke with an account supervisor and was told that my account would not have the credit limit decreased again as to avoid damage to my credit report. Approx 2 months later I was alerted by the credit report agency that my score dropped again due the same issue as before with Citibank. On XX/XX/19 I spoke with an account supervisor and explained what happened again and a review of the notes from prior incident confirmed the issue. I again was told that they can run a hard inquiry to reinstate my original limit. I then requested to speak with their supervisor and was told that they do not give out that information. I again requested a contact for their supervisor and was denied the request and was hung up on. I was professional and respectful at all times during both phone conversations. These negative actions by Citibank have caused damage to my credit report. I was advised after the first credit decrease that it would no happen again and was assured that my account and limit would stay as agreed. I was told that I should buy something for a dollar at home depot to keep my account in current standing as to avoid the limit decreases. Is was given a team ID of XXXX as reference for further communication with Citibank per account manager XXXX.
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I have been disputing this account since I first received notice from the credit bureaus that it was being reported on my credit report. On XX/XX/2019 I sent letters to XXXX asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. No matter what I request ( validation of the debt, proof of amount, or proof they are authorized to collect debt ) they simply respond with a form letter that debt is valid and attaching a copy of a single bill. XXXX is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me a copy of a bill. This is not acceptable. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. FCRA states there must be a tangible contract provided to me upon my request that bears my signature, showing that I am responsible for the account. Without that, there is no contract, no valid claim. If validation can not be established, I respectfully request XXXX  remove to remove the account inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal practices in the future. The document you sent me is not bill, do not have my signature on it.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I wanted Chase to remove the 10 year old bankruptcy from my mortgage statement. They did not. They then proceeded to ruin my credit by re repoting the bankruptcy, and taking off my payment history. WHY???