davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute a fraudulent charge on my account of {$11000.00}, {$21000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b,  12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$11000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$21000.00} -This is not my account.
Consumer complaint received 2019-07-30
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: WELLS FARGO & COMPANY (MA)

On my first complaint I told Wells Fargo that there Is an inquiry that was placed on my credit report on XX/XX/XXXX by Wf Bank Na, I sent the credit bureau ( XXXX  ) a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application. Wells Fargo Bank XXXX claims that I agreed for them to pull my credit then I want to see the original documentation with my signature, its funny how Wells Fargo says that my signature isn't needed for them to pull my credit but on the XXXX website they say the contrary and I do not think that they will put this on their website just for fun, also the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that Wf Bank Na verified or validated the inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. I received the copy of the credit report on XX/XX/XXXX, this application was submitted fraudulently. First of all, there is an address on the application that says XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, I have never lived at that address and second of all, there is an income on that application that is not my income, I do not make {$780.00} dollars a month. If this inquiry is not deleted from my credit report, I will be contacting the Attorney Generals office and also I will place a complaint with the XXXX. I want the bank to take a look at the XXXX website XXXX XXXX XXXX
Consumer complaint received 2019-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITY NATIONAL BANK (NY)

City National Bank continues its rein of false advertising and potentially massive identity theft. First, the Crystal Infinite card which I was approved for has not arrived. There is almost no way to get in contact with anyone regarding the card. You call the customer service center and they send you back to the bank. You call your " Relationship Manager '' at the bank - mine being XXXX at the XXXX XXXX location - and their phone is disconnected ( when I call I get a loud beeping noise ). My email today was not returned. This seems like a massive scam where they have taken your identity but nothing has been provided. They advertise that you can add authorized users but I sent " XXXX '' the extensive PII requested for authorized users last week and called customer service today and they said that no only have the cards not been mailed but " XXXX '' never even added them to the account. Now they have taken the identities of both me and my family members. The government must investigate City National Bank to determine whether there has been identity theft. Further, they are not seemingly providing the products advertised. As previously stated, my card has not arrived and my authorized users, who are supposed to get benefits, have had their information seemingly disappear into thin air.
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

my account was frozen, I tried to vacate the judgement but was not able to gather enough information about this account in question or the credit card that was past due. I learned that there was old addresses on file that they had, the firm claimed they sent certified letters to.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (GA)

I was a customer from XXXX. When I chose to transfer my services to another address in XX/XX/XXXX, I began the transfer request online. I received a new apartment unit number from the complex so I canceled that transfer and requested a new transfer to a different unit. During that time XXXX opened another account for the previous address in my name and without me actually knowing. They advised they would have to cancel my current service and start a new service for my new address because they would not do a transfer. I returned the old equipment and then scheduled to have new equipment installed which was a big inconvenience. I began to receive a bill for the other account they opened without my knowledge. They closed said account. I had never agreed to a contract with XXXX but they advised at the time when I tried to cancel my service in XXXX that I verbally agreed to a contract with them on XX/XX/XXXX over the phone. I advised I never spoke with them over the phone and any communications about my service and account had been done over chat. I asked that a supervisor review the call because I refused to pay an early contract termination fee when I never agreed to a 24 month contract. Of course they said they would review and get back to me in 48 hours. This never happened. I have been sent to collections for this account. When I inquired why the amount includes an early contract termination fee and I stated previous times I never agreed to a 24 month contract or spoke with them via phone they refused to review the call or offer any resolution. I have not been able to get anyone at the company to review the call. I have sat on hold and spoke to numerous representatives and " supervisors ''. XXXX refuses to follow up. I never agreed not to pay the debt but I won't pay for something I never authorized and no one can provide me the proof that I authorized it. It's sad because the have become such a monopoly in my area that I have no choice but to do business with them because there aren't any other options as far as cable and internet service goes. They use this as a device so they can treat customers poorly and do fraudulent activity on their accounts. XXXX is truly a poor cable and internet service provider. They are unprofessional and refuse to investigate accounts at the consumer 's request. They have violated my rights as a consumer.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

I applied for a secure credit card with Citibank in the amount of {$200.00}. After receiving the card, I used {$200.00} and when I got the bill I saw the enormous interest rate. I contacted Citibank during the billing cycle and stated I wanted to close my account. They said that it would take 2 billing cycles but as long as I didnt make any additional charges, I would be fine and no additional fees would be applied. Well over the course of 6 months they continued to charge fees which added up to {$220.00}, although I NEVER made another purchase. I tried to no avail through calls, online credit bureau disputes etc, to no avail. in my last call to Citibank I was told that they would come after me for the money it would just remain on my account.
Consumer complaint received 2019-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (DC)

I took on a number of student loans during XXXX school. After I graduated in XXXX, I worked for the federal government, and sought information about the Public Service Loan Forgiveness Program ( " PSLF '' ) -- a program where I could get loan forgiveness on direct loans after 120 qualifying monthly payments. 

In XX/XX/XXXX, Nelnet sent me an email telling me that I had qualified for a " Special Direct Consolidation Loan Opportunity. '' A copy of this email will be submitted with my comments. I spoke with several Nelnet representatives on the phone and told them that I wanted to consolidate my loans in order to make payments pursuant to the PSLF. I submitted an application. A copy of the email confirming my application will be submitted with my comments. After this, I continued to apply for income-based repayment and make payments on my loans, believing that my payments were counting toward loan forgiveness for all of my loans. 

Years later, in XXXX, when I began the process of recertifying my payment program, a Nelnet representative told me that a significant portion of my loans ( nearly 50 % of the balance ) did not qualify for PSLF because they had not been consolidated as direct loans. I told her that I had consolidated in a " special direct consolidation  loan opportunity '' and she told me that process hadn't actually consolidated my loans into direct loans. Now, on several follow up calls, Nelnet representatives have given me conflicting and inaccurate information about which of my loans might qualify for PSLF. 

I believe that I was mislead by Nelnet telling me I was in a " DIRECT consolidated loan opportunity '' when in fact my loans were NOT consolidated into direct loans.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/19 Credit Card was charged by XXXX XXXX ( XXXX ). An attempt had been made to stay at the property. The Website reported it did not charge card as motel was FULL. I booked another XXXX XXXX for same day for XXXX $ over 50 miles away have documentation to prove. 

After charge for XXXX $ showed up on credit card days later I called merchant and asked for a refund and they informed me that I was indeed a no-show as I didn't know the reservation went through. I was told my only option at this point was to dispute the charge with my bank. I did that and after 2 months of waiting Wells Fargo says I made the purchase and they WILL NOT charge it back to merchant. So now my CC is over the limit and they will be reporting to the credit beau that I am OVER LIMIT and this will negatively effect my score. they have offered no other help except continued rude and frankly negative attitudes when I have shown all that they need. 

A document came in the mail as " proof '' I stayed but I will attach and you will see that it lacks my OWN signature on the repcept nor does it have my ID number or CAR info.. ALL OF which I had at the other location I will get a copy from them as MORE proof I do not owe anything and therefor WF must repair my credit and REMOVE and REFUND the money to my account without further incident, Attached 3 documents for review. 

1. Bank Credit Statement Showing Charge 2. XXXX XXXX Reservation for Charge 3. WF rejection of dispute.
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HAWAIIAN, INC. (HI)

XX/XX/2018 They scammed my checking account for {$15000.00} ; they had me download a program named XXXX ; and got into my computer to send them the funds by fax. I closed my bank accounts so they would not take any more . 











The bank was First Hawaiian Bank.
Consumer complaint received 2019-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (TX)

On XX/XX/XXXX of XXXX Westlake Financial Services approved a loan of XXXX dollars to an auto dealer called XXXX in XXXX XXXX, Texas. Around XXXX I did try to look for a car, and gave my information to one of the sales man from that place, and my mistake was to give them my information through text messages. That auto dealer has been closed down for laundry money charges and for using social security from other people. I already contacted Westlake Financial Services multiple times and told them that I had nothing to do with the deal that was done without my consent, I never signed anything at all. They told me to do an Identity theft package on XX/XX/XXXX, the package arrive on that date, and I already sent it to them around the beginnings of XXXX. No answer whatsoever from them at all, I also already contacted XXXX twice about this issue, I sent all of the papers that were asked from me and they STILL tell me it is my account, that it belongs to me whereas it does not. I can not send more information to them because I already did, the car is nowhere to be found, I do not have it, no actions have been taken either by Westlake Financial Services NOR XXXX at all. My credit score has been gone down hill ever since.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (ID)

XXXX XX/XX/2019, received letter from Wells Fargo stating I had been unfairly penalized by the application of CPI charges when I actually had insurance. The letter had a check attached and stated the remaining balance on my car loan would be waived and the credit reporting agencies would be contacted to correct or remove negative reporting. " No further action required from you. '' XX/XX/2019, I was still receiving collection calls from Wells Fargo. Emailed and faxed a copy of the letter to collections and received confirmation of receipt but no follow up. 

XX/XX/2019, I called and CPI team transferred me to collections who told me to fax the credit reporting team. I did and had no follow up. 

XX/XX/2019, same as XX/XX/2019. 

XX/XX/2019, received notification a negative mark had been added to my credit report as the loan was reported as charged off, which is not what I was promised. Called Wells Fargo went through the same transfer from CPI to collections and then was told to file dispute with collection bureaus ( who told me to call the bank ) and email credit reporting team. 

In short, no one will help me. The people at Wells Fargo who have the power to fix this won't even though I have it in writing that all collections will cease, all negative remarks will be removed and any amount due forgiven.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I had my credit card stolen on XX/XX/19 and someone used my card to purchase {$2000.00} worth of merchandise. Called it in same day, was given a temporary credit. A few weeks later I get a call from Citi asking me to send in my I.D . within 3 days, do that, a few weeks pass and I login to my account to find out my temporary credits have been reversed. I make a CFPB and XXXX complaint about it. Someone from the Citi executive office called me and informed me that Citi never received my I.D . even though I sent it in via their secure messaging system and received a conformation email that it sent. A quick XXXX search on my behave revealed that Citi 's secure messaging system doesn't actually work which I find to be insane that the third largest bank in the U.S. doesn't even care enough to do some upkeep on their online services. So I send it in again and I get a call again today from a Citi executive to let me know that the request for credit has been denied because the issue date on my I.D . was before the date my credit card was stolen. I'm sorry Citi but my I.D . wasn't stolen, just my credit card. So the executive told me that she will try again to get it approved and will call me back.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (MI)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

On my experian credit report it is reporting as a charge off account. However I never received the 1099 to add to my tax information as if the account is reporting charged off that means the debt was filed as a loss on the companys taxes.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX illegally repossessed my XXXX XXXX XXXXXXXX that I was current on with payments computer error. The tow company they hired destroyed and totaled out my beloved car which had a new motor replacement for XXXX just before illegal repo and destruction of car. XXXX agreed of this grave mistake and sent me my title and it was agreed upon with XXXX XXXX that my credit would reflect paid off in good standings, which XXXX has been negatively affecting my credit because of the inaccuracy of 90 days late and XXXX balance. XXXX has done this maliciously because, I call weekly to have removed, I disputed multiple times with all three credit bureaus to not have any form of resolution. I am intending to use my consumer protection laws and seek restitution from credit bureaus and also XXXX in lieu of XXXX per each infraction. 15 USC 1681n is the code. I anticipate quick resolution and if any other information is required please feel free to contact. Thank you, XXXX XXXX this has went past 60 days for official response from XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-21
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. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-21
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX  possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (MI)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated 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 XXXX