davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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. (TX)

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX FCRA violations : accounts do not belong to me XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$520.00} written off. 
XXXX Potentially negative Date XXXX XX/XX/XXXX Balance {$430.00} Status Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$470.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Account charged off. {$700.00} written off. {$700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$20000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$430.00} Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$18000.00} Status Collection account. {$180.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9600.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$7500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2800.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$950.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2100.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX XXXX XXXX LA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, LA XXXX
Consumer complaint received 2023-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

I was contacted on XX/XX/XXXX by who I thought was Wells Fargo because that is what the caller ID said. So, I answered it, they had asked me about fraud on my account and I told them that I did not authorize these transactions, such as Wells Fargo has done in the past. Thinking that I had stopped these fraudulent charges little did I know this was a call from the people that were committing the fraud. I was under the assumption that I would get information sent to me from Wells Fargo, they said it would take some time because they were trying to catch the person that was committing fraud on my account. I did not receive any information from Wells Fargo, so I contacted Wells Fargo on XX/XX/XXXX and they had said they had no claim on this account. They told me that I needed to restart the claim. I received a letter from Wells Fargo, dated XX/XX/XXXX stating " As a courtesy, we initiated one or more wire recalls on your behalf to attempt recovery of the funds from the banks that received the two ( 2 ) wire transfers for {$3300.00} an {$21000.00}. Unfortunately, the beneficiary banks responded that there were no funds available to return. As a result, we are unable to reimburse you and have closed your claim ''. So, I had to find a Wells Fargo branch that had a Bank Manager, I went in and met with the Bank Manager XX/XX/XXXX and tried to get this resolved. The manager and I spent 3 hours trying to resolve this issue, the fraud department at Wells Fargo was not cooperative with the Bank Manager and told her that it was my fault. The Bank Manager told me she was going to do a rebuttal on my behalf. I am supposed to hear back from Wells Fargo, I am concerned that it could be another fraud person that contacts me. Obviously, there was a breach in Wells Fargo security.
Consumer complaint received 2022-12-06
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: SUN WEST MORTGAGE COMPANY, INC. (VA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-06
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. (FL)

This is ridiculous, and I am outraged as a Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Account number XXXX. It has been more than 60 days. According to 15USC 1618i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights in accordance with 15usc 1692b ( 5 ), 15 USC1692 b ( 2 ). It's a violation pursuant to section 623 of the FCRA.
Consumer complaint received 2022-12-06
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. (MN)

I have no knowledge about this loan. I have tried to dispute on several occasions with no avail. I suffer from a XXXX and had my phone hacked, I have no knowledge of this predatory loan. I have since changed my telephone number and got a new phone, and practice much safer online principles. I reported the issue to my bank, issued a stop payment immediately and submitted several disputes. This account was opened fraudulently, I am struggling financially, and with my XXXX and this creditors predatory record I do not feel safe and am now financially insecure after a substantial long credit rebuild.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (NV)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights 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
Consumer complaint received 2022-12-06
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. (SD)

A couple months ago someone found my information and tried opening MULTIPLE CREDIT CARD ACCOUNTS. I had followed up with each one of the companies ( listed below ) and called them to report as fraud and each company said they would report it to the credit bureau and get it OFF my credit report, each company also said it was marked as fraud and had been closed. It has been more than 30 days and they are all still showing up. I have since then put a freeze on each one of the credit bureaus- but I want these off of my credit report so it stops affecting my credit score. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days ( as of now it isn't quite 30 days ) XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report and I have not received a letter stating anything. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my credit report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX ( XXXX ) checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off my report within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report. 

XX/XX/2022 - XXXX XXXX XXXX  checked my credit- this was fraudulent. I called them as stated above. Said it would be taken off within 30 days, still showing up on my report.
Consumer complaint received 2021-06-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (NY)

For years, I have attempted to make payments thinking this loan was tied to my XXXX XXXX After a caring representative clarified my concerns she answered all my questions and provided me with a copy of the check Navient claimed I have cashed. For years prior, I was told they couldnt provide me with information regarding the application. 
Once the copy was sent to me, as expected this check was falsely endorsed with my name and cashed into an account I never had! 
So for 9 years and an interest rate doubling the loan, I have slaved in order to keep my credit subpar and pay for a {$19000.00} check I never cashed! Not to mention the discriminatory remarks made by agents during a pandemic. Navient has to be one of the worst student loan shark in the nation! After I completed this investigation on my own accord, I have called Navient repeatedly- as they have done to me and my poor grandmother in order to request Navient to complete an investigation and confirm my findings. Again, the wonderful, cheerful representatives left me on hold for upwards 45 minutes to only hang up on me, or respond with- well lets see what reduced payment options you qualify for. 
Please tell me who wants to pay {$42000.00} for a {$19000.00} check they never cashed? 
These are the events in life, where someone doing there all to make it, can literally break emotionally.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-06
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX  lending are closed, but not deleted. Recently I did anon my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX  accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate. The credit reporting agencies stated that those accounts were property investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. RESOLUTION As a consumer, by law my credit report must be made XXXX XXXX accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute. In conclusion the I did give consent to any of the parties involved. 
ref : 16 CFR 313.4- initial privacy notice to consumer required.

16 CFR 313.8- Revised Privacy Notices 16 CFR 313.10- Limits on disclosure of non-public personal information to nonaffiliated third parties.

15 USC 6821- Privacy protection for customer information of financial institutions.
Consumer complaint received 2022-12-06
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: WELLS FARGO & COMPANY (NV)

In accordance with the Fair Credit Reporting Act this creditor ( Wells Fargo Bank ) has violated my rights under 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 an account without my written instructions.

Under 15 USC 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. I sent to the XXXX Credit bureaus, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-06
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: Mr. Cooper Group Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have disputed this NATIONSTAR MORTGAGE LLC and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed since XXXX. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed for XXXX. The account status is wrong and should be closed. Now, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I want you to delete this misinformation on my file : NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2022-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

Experian provides an option to dispute. 
These options are listed in drop-box format. 
However the options that I chose to use are not being reported fairly by experian. Instead experian chose to state or use terminology as a method of choice " address dispute '' in which is not my choice for dispute, nor is not an option in drop down box. I believe this is fraudulent in its inaccuracy to help the creditor win over in my case.
Consumer complaint received 2022-12-06
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: ACIMA CREDIT, LLC (VA)

In accordance with the fair credit reporting act, ACIMA DIGITAL FKA SIMP acc # XXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Thaxton Investment Corporation (AL)

Covington Credit has closed my account and reported as a Charge off for {$420.00}. I was late on payments with this company however I resumed payments in XX/XX/2022 and only had {$150.00} left to pay off the loan. After reaching out to the company to arrange a Pay-for-delete, they have reported the account as a charge off for {$420.00} ( incorrect balance ) and have not reported the last 3 payments I've made to the company. I have bank statements to prove my payment history. The information is incorrect. Also, the company sold the debt in XX/XX/2022 before I made 3 payments to turn by phone and they did not alert me that they were charging off the account when I called to make those 3 payments. The payments are not reflected on my credit reports.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (GA)

I recently went to purchase a car and the person that was helping me said that I was only receiving a soft inquiry and while she was telling me that I received multiple inquiries from places I did not apply at. I was so upset I never went threw with the car purchase.
Consumer complaint received 2022-12-06
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: TD BANK US HOLDING COMPANY (TX)

On XX/XX/2022, there was an inquiry for TD Bank XXXX XXXX XXXX XXXX XXXX card services, I learned that someone tried to use my name and social security number to open a credit line. The information the subject applying provided did not match so it was not approved. But now I have a hard inquiry on my account that I would like removed due to this fraudulent activity. I have since changed passwords that were associated with the old account they may have had access to.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.