davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

MyFedLoan student loan servicer failed to properly recertify my income based repayment plan on an annual basis. I submitted all materials requested prior to the deadline in XXXX 2017, however this incompetent servicer not only removed me from the income driven repayment plan, but capitalized about {$10000.00} in interest because of this. This is the second year they did this. That is unacceptable. I contacted the company who told me to put a stop on the payment at the bank, while they have me yet again resubmit certification, stating I did not submit on time, despite the fact I uploaded all their documents requested on their own website well within time, yet they send me a letter it was not completed which I am attaching. They continue to not take responsibility and make excuses for their utter failure to do a simple job. They have refused to correct the capitalization problem, which is criminal given the error is on their part and they are breaking a contract and federal laws, and highly unethical.
Consumer complaint received 2017-07-12
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. (VA)

Inquiries have been showing up on my credit file that I have not authorized. I have contacted every single company listed and not one has removed them from my credit reports. I have been a victim of identity theft and want them removed so I contacted the credit bureaus directly and they have yet to remove them. Please help me. My credit is ruined do to this and I am in need of help with this situation. 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX, XX/XX/XXXX 8.  XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX14. XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XX/XX/XXXX, XX/XX/XXXX 17. XXXX XXXXXX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 23. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I review my consumer report and noticed that I had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that theses payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-07-12
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. (TX)

XXXX XXXX XXXX XXXX continues to report inaccurate information on my credit reports. Currently they have two different accounts reporting on my XXXX report. I 've only had one loan with them and the terms they are reporting is incorrect if. Per the Fair Credit Reporting Act, all items that are reporting incorrectly has to be removed.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 4 duplicate XXXX XXXX XXXX tradelines on my credit report for the same two loans. I disputed these items with Transunion through the CFPB on XX/XX/XXXX after speaking with XXXX XXXX XXXX and receiving reassurance that they processed my documents and submitted everything to the XXXX XXXX XXXX. I completed the Loan Rehabilitation through XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Account # XXXX ) on XX/XX/XXXX, and my loan has been sold to XXXX XXXX ( XXXX XXXX ID : XXXX ). Part of the agreement with the Loan Rehabilitation is that the defaulted and duplicate accounts would be removed after I completed the program and the loans are consolidated and sold to a new servicer. I was promised that the accounts would be removed within 30-60 days of completion, it is now XX/XX/XXXX and the accounts still appear on my report. I will attach the documentation pertaining to both the removal agreement and the new loan servicer agreement. The rehabilitation document subsection pertaining to the removal of the defaulted loans is section 10. I would also like to mention the fact that during this entire process, since XX/XX/XXXX, I have been a XXXX XXXX and should have been able to defer my loans, but every deferment was revoked after 30 days or simply denied. This has been a nightmare, but I have followed the rules despite being mistreated by an institution that was supposedly created to support and empower citizens.
Consumer complaint received 2017-07-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

For over 3 years I have been trying to get Citibank to determine what happened to an IRA distribution. It I am the executor of the account and one of the beneficiaries on the account. This problem has existed since my mother was alive and the account was transferred from my late fathers account. All I get is run around and people with less knowledge of IRA 's than me. I have been told that I need to close the account to find the money that they can not find. In the mean time they made 2 additional distributions. They claim that they found the XXXX  and XXXX but not the XXXX distribution that they did not bother to look for ; however, I have not received any written notice of this. I have also been told that they will deposit the missing monies into the account that they wish to close. They also refuse to change the account number as the mail is going to an address that we no longer live at. It has taken 2 years to get the account into my moms name from my deceased dad as they keep on loosing the paperwork that was dropped of at their office and it was finally repaired before she passed away, but not the address. I have made at least 12 calls about this and each time I get an employee with less knowledge and all in the IRA department are not willing to do their jobs and find it and most do not return phone calls but claim that they will in 24 to 48 hours. At this time I am not even sure if this goes back further,
Consumer complaint received 2024-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> I sent a XXXX payment of {$380.00} to the wrong number. I immediately noticed the mistake, and called the individual I sent it to and asked him to send the money back to me. He said that he would, but he would like the banks to handle it. On XX/XX/year> Wells Fargo reversed the transaction and removed the money from his account. He sent me screenshots that shows that this is true. However, the money has not been sent back to my account. Both my bank and the XXXX customer service were unable to find the transaction on my account. The individual also called XXXX customer service, and XXXX was unable to find the transaction on his account. But Wells Fargo customer service says that they can see the transaction and that it has gone through and there is nothing further they can do. 

So {$380.00} has vanished into thin air. It was last seen on XX/XX/year> in the hands of Wells Fargo. It has been 30 days at this point, and no customer service agent has been able to help me.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

1.BANK OF AMERICA MASTERCARD XXXX XXXX XXXX XXXX UNLAWFULLY TAKES PAYMENT OF $ {$23.00} BUT REFUSES TO CREDIT PAYMENT WITHOUT CAUSE OR REASON. FINE BOA.
2. BOA DEMANDS AN EMAIL ADDRESS BUT REFUSES TO PERMIT EMAILS TO IT. ANOTHER HYPOCRISY. NO EMAIL ADDRESS FOR BOA. I GOT FOLLOWING MESSAGE There was a problem processing your request.
We are currently unable to deliver your Online Banking Alerts to the primary email address we have on file. To correct this problem, please visit the Profile & Settings page and update your information.
SO LONG AS I CAN NOT EMAIL BOA, BOA WILL NOT GET AN EMAIL ADDRESS FROM ME.
3. BOA REFUSES ME TAPERECORDING THEM BUT THEY TAPERECORD ME ON PHONE CALLS. WHO SAYS BOA CALLS THE SHOTS?
<P/>
BOA IS ANTISOCIAL. BOA GIVES THE LEAST REWARDS AND GIFTS AND POINTS BUT SUCKS OUT THE HIGHEST FEES JUST LIKE MBNA.
BOA PARASITIZES. BOA REFUSES TO LEND STUDENT LOANS BUT IS AT THE FOREFRONT OF FORECLOSING. A TRUE PARASITE.
NO OTHER BANK MAKES APPOINTMENTS WITH BANKERS FOR CLIENTS. BANKERS WHO GIVE THE LEAST SERVICE. THERE IS NO NOTARIZATION AVAILABLE AT PARK AVENUE SOUTH BOA.
BOA IS A TRULY PARASITIC ANTISOCIAL INSTITUTION WHICH PREYS ON THE POOR WITHOUT ANY REDEEMING SOCIAL CONTRIBUTIONS. ITS ALL TAKE, NO GIVE.
BOA DOES NOT DEFINE STANDARDS NOR MAKE THE LAW TO SUIT ITS STOCKHOLDERS. IT IS SUBJECT TO SCRUTINY. BRING BACK GLASS STEAGALL.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXXXXXX XXXX I called Wells Fargo to have 3 {$35.00} fees removed after I saw they charged this fee when I utilized the " grace period '' option and had made 2 cash deposits back to back. The first cash deposit was made on XX/XX/XXXX for {$240.00} and the second on XX/XX/XXXX for {$220.00}. The representative I got online was named XXXX. He stated clearly that the ATM, Mobile Banking, and Online banking are " not completely accurate, and that I should use a check recorder like in the old days to track my spending! ". I was shocked that he would make a statement like that, at which point I asked him what good mobile banking and ATMs are good for if they deliver inaccurate information. He said he couldn't help me any farther, and that no other reversals of fees would be considered and the call ended.
Consumer complaint received 2017-07-12
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. (TX)

My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all.
<P/>
There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.
Consumer complaint received 2017-07-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (GA)

I called the collection company in regards to the account asking for them to send me a copy of sign contract that I signed with there office. She told me that the collection was sent to there company and that 's why it 's reporting. I asked her to delete the account because I never signed and authorized contract with there company this was with the University i attended. She stated that they do not delete because it was sent over by the school. I ask her to send me validation she sent over a contract from XXXX XXXX  and not there office
Consumer complaint received 2024-09-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo foreclosed on my home in XXXX and I could make the payments. They did not process my loan modification and instead foreclosed. I was directed to attorneys who would not talk to me. I was not allowed to talk to Wells Fargo about this, I was told to fax my hardship/loan modification info in. They still fore closed on me. I paid approximately XXXX in payments and they took my house. Please return my house or the current market value. 

I called regarding the XXXX XXXX rulling against Wellsfargo in XX/XX/XXXX. They said I was not elligible. If I was they would send me a letter. I said I disageed. They said there is no way to submit a disagreement about this. I said, what if you made a mistake. They said there is no way to submit a dispute. So I said I will contact the cfpb.