davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (MN)

I would Like to File a complaint On behave of Wells Fargo bank. I called the Bank to asked for a One time late payment fee forgivness. I was Told By the Rep That she couldn't do it since My Payment was due on the XX/XX/XXXX Of the Month and today is the XX/XX/XXXX. Poor Banking wells fargo I been a Customer at Your Bank for exactly 10 Years. If you are that Hard up for {$27.00} late Fee bless You and Your bank. From your past Experience of opening up Fradulent accounts in fake people Name Your bank is No Good! I will ask your business to Please remove the the late payment Fee as a 1 time courtesty and I will Give you 30 Days to DO IT if you fail to do so watch How QUICK I WILL CLOSE EVERY ACCOUNT IN MY NAME WITH YOUR COMPANY! I deal with alot of Banks and I have never in my life seen one quite as dirty as Yours to a customer of 10 years very sad WELLS FARGO
Consumer complaint received 2017-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have SEVERAL unauthorized inquiries on my credit report from Transunion. I have contacted them many, many times seeking a resolution.I have also reached out to all of the creditors. They have no evidence that I have applied for credit with them. I have placed fraud alerts on my report and still receive UNAUTHORIZED inquiries. I have an unauthorized inquiry from XXXX XXXX ( XX/XX/XXXX ). I also have  UNAUTHORIZED/FRAUDULENT inquires from XXXX  XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX ). I have XXXX children and these inquiries are definitely stopping me from getting a mortgage/home for my family. None of these inquiries were made by me. I have no knowledge of them. I have fraud alerts with all three bureaus and it is wrong to still have these fraudulent inquiries on MY files. I have reached out to each company several times and they all say that i need to contact Transunion because they have no record of me applying for anything.
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

I pulled my credit report this morning and found that XXXX has resold an account to Sunrise Credit Service for an amount of {$300.00}. This debt was first sold to XXXX XXXX XXXX.and was closed out and removed from my credit reports through the CFPB on XX/XX/18, after the collection company admitted they could not validate this debt ( 5 certified letters with no responses ). Please see XXXX 's response below. I am requesting that Sunrise cease collection and remove tradeline from all three major credit bureaus, as no company has been able to do validate this debt as mine. 

Complaint # XXXX On XX/XX/2018, this account was closed with XXXX XXXX   and returned to our client, XXXX. We will request that our information for this account be removed from the credit reports as the account is no longer placed with XXXX. To ensure resolution in this matter please contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXX ; Kind regards, Compliance Representative at XXXX XXXX , XXXX XXXX
Consumer complaint received 2023-07-03
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld System is trying to collect on behalf of XXXX XXXX XXXX XXXX. This account is off my report by law, since it has been over 7 years. And isn't it true that according to the Statute of Limitations debt collectors can not collect after 4 years? Once again it has been 7 years! This company is illegally trying to collect a time-barred debt! I know about the FDCPA laws, and I kindly ask that this company to cease all communication with me. They keep calling me saying I owe them {$21000.00} I have never signed a contract with them, have never paid them nor do I owe them one cent! I am sending you this as proof that I have not paid them. 

Thank you in advance for investigating this matter
Consumer complaint received 2017-09-18
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. (PA)

Hi I have been trying to get this account to update on my credit since XXXX 2017, this account is keeping my score from updating, and I am trying to purchase a home for my family of XXXX i paid this joint account XXXX XXXX, 2017 in the amount of {$850.00} as a settled amount to close the account with the company. the full balance on the account was {$1800.00}. They updated the account by subtracting the amount but not closing the account and marking it as settled and closed. All three of the major crediting reporting agency are giving me the same problem, XXXX, XXXX, and Experian. XXXX  updated it on my wife credit report. All I want to do is repair my credit and buy a home for my family. I have attached a letter that the branch manager gave me as well as my receipt for the transaction.
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I applied for a IBR. While waiting they offered me a deferment. I mailed all required paperwork back in XX/XX/XXXX, as of XX/XX/XXXX, I have not received any information on new loan payment amount. My loan repayment restarts in XX/XX/XXXX but at the old amount not the new loan payment amount. When I called requesting the IBR, Navient informed me my new loan amount would be a little over 300.00 per month. Until I hear from them about new loan amount I have to pay the old amount of XXXX. The reason for requesting an IBR because I can not afford a XXXX dollar a month loan payment.
Consumer complaint received 2024-08-09
Product: Credit reporting 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. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2024-08-09
Product: Credit reporting 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. (CA)

In XXXX oXXXX XXXX, I received a phone call from XXXX XXXX XXXX fraud department notifying me that an application had been placed in my name. When I confirmed that I had not submitted an application, they suggested that I check my credit report so that I could file a dispute and place a security freeze with the three credit report bureaus. When I went to my email to see if I had received any other notifications, I noticed that I had received a notification from Experian that the email address associated with my account had been changed, something that I did not do. The timing coincided with a data security breach from Experian, so my account was left vulnerable to hackers who hijacked my Experian account and attempted to open 9 different credit cards in my name in a 48 hour period. I filed a police report for identity theft and placed a security freeze with both the XXXX and XXXX bureaus. Because the identity thieves changed my email address on file with Experian, I have not to this day been able to log into my account or to rectify the situation with Experian, something that has resulted in an additional 6 applications being placed in my name over the intervening years, including two today ( XXXX ). Despite exhaustive efforts over the past three years to communicate with Experian to report the fraud and reclaim my account, I have not been able to speak with a single representative or to communicate my complaint in writing. There is no chat function or email address to contact, and the number for fraud support is fully automated and flat out refuses to transfer you to a live person to speak with. ( The system has actually hung up on me when I have continued to ask to speak with someone. ) I am at a complete loss as to what to do. My identity was stolen as a result of a data breach with Experian, and yet they have made it impossible for me to rectify the situation. My credit score has continued to suffer as a result, and my information is now on the XXXX XXXX. It is absolutely shameful if not criminal that there is no recourse or ability to speak with someone at Experian.
Consumer complaint received 2024-08-09
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. (MA)

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 XXXX, Account number XXXX XXXX, Account Name : XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-14
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. (MD)

A XXXX XXXX XXXX XXXX loan is erroneously appearing on my Transunion, XXXX, and XXXX credit reports. According to the reports, this account was opened on XX/XX/XXXX and the current status is Late. Despite requests sent in writing via US Postal Service in XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX has failed to supply a contract to which they are a party nor any other evidence to support the claim that this account is valid. They are in violation of the FCRA, TILA, and the Gramm-Leech-Biley Act Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency is only allowed to furnish information about a consumer 's credit history with the consumer 's consent. Specifically, Section 604 of the FCRA states that a consumer reporting agency may only furnish a consumer 's credit report to those who have a " legitimate business need for the information '' and who certify that the information will be used for " permissible purposes. '' Section 604 also requires that the consumer be notified in writing of the request for the credit report and that the consumer has the right to know the nature and scope of the request.

Furthermore, Section 607 of the FCRA requires that a consumer reporting agency maintain reasonable procedures to ensure that the information they report is accurate. If a consumer disputes the accuracy of any information on their credit report, the consumer reporting agency must investigate the dispute and correct any inaccuracies.

Under Section 605B of the FCRA, a victim of identity theft can request that the credit reporting agencies block any information that is the result of fraudulent activity. Specifically, Section 605B ( a ) ( 1 ) states : " A consumer may notify a consumer reporting agency that the consumer disputes the accuracy of information in a consumer report on the consumer on the grounds that the information relates to a fraudulent transaction or to an account or to other products or services that were obtained as a result of identity theft. '' This includes items that were created by an imposter, or those that were created by the thief using my personal information.

Furthermore, under Section 621 ( a ) ( 2 ) ( A ) of the FCRA, I have the right to submit a sworn affidavit to the credit reporting agencies stating that the information on my credit report is the result of identity theft. The affidavit should include a statement that I did not create the accounts or authorize the charges and that I am not responsible for them. I have attached a copy of the FTC 's Identity Theft Affidavit to this letter.

In light of these laws, I respectfully request that any and all items on my credit report that are the result of identity theft be removed immediately. I did not consent to the reporting of fraudulent charges or accounts and therefore, they should be removed in accordance with Section 604 of the FCRA.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

I got contacted by a debt collector XXXX XXXX from US COLLECTIONS WEST, INC about a debt that I owe that I did n't know about at all. It is for an apartment complex called XXXX that I lived at for a year. I requested the charges details and by viewing them, everything was not accurate. It was completely an accurate claim. I called XXXX and I send him a dispute. XXXX then contacted me and said that the apartment complex has validated the debt and you have to pay! Again those chargers are inaccurate!! I 'm being charged for door lock change, panels, countertops, bathtub, carpets, wall paint and more. There are even things like window screens and shower rod that were not included in the apartment when I received it and they 're charging me for it. Basically, they want me to pay them the expenses for renewing the apartment which I have nothing to do with! I have left the apartment exactly how I received it from them! I feel they are taking advantage of me by sending the chargers to a debt collecting agency and forcing me to pay it! AGAIN, they never sent me notice or anything I 've been contacted by the agency and after disputing the collector is telling I must pay or otherwise I 'll be reported and that the report will damage my credit and if I do n't pay they will send my file to involuntary collections dept that enforces the signed lease to the fullest extent Arizona law allows upon receipt of a suit authorization from the client. 
Please help
Consumer complaint received 2017-09-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Presto Auto Loans, Inc. (AZ)

On XX/XX/XXXX the title loan company filed a court case against myself. The Judge assigned to the case however dismissed the case on XX/XX/XXXX, with no judgements against me. 
The company which is Presto Auto Loans however on XX/XX/XXXX began harrassing me as well as relatives that are not and were never on the title loan. Which consists of leaving threats on my daughters voicemail, sending letters of jail time to my other children and harassing me at my employer at this point. They are doing this even though their lawsuit was dismissed.
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I live in Florida, since we had XXXX XXXX I heard on TV that the banks will provide a relief to Owners in order to wave three monthly mortgage payment, I called Bank Of America who own my mortgage and they explained that I will to pay a lump sum on XXXX, the three monthly payments and the fourth Monthly ( XXXX ), I request help because I can not pay my next mortgage Payment and they provide only postpone the payments but immediately due at the fourth month, I request to the representative of Bank Of America to get in writing the terms of that relief and he refused to provide the terms in writing, he said, if you agree I can set up this temporary change, but I have to trust only verbally what he says is all about, I wonder if I can not pay the whole amount in XXXX what will be the consequence since no documents in writing are available. 
I think this bank is not really interested in provide in these hard times any kind of relief because what they offer is not really help to the people in needs right now, Please I beg your help in this matter to try to get the helping hand we really need, thanks so much.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc. (FL)

First Federal Credit Control , Inc, is attempting to collect an amount of {$350.00} on behalf of XXXX XXXX XXXX XXXX First Federal has made no attempt to determine the validity of said claim and has threatened to submit a negative report to the credit agencies. I have notified First Federal of the bogus nature of this claim, but they persist in their collection process.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

Hello, XXXX XXXX reported to XXXX, XXXX, and Equifax that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX   falsely reported late payments.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (AZ)

Actually not trying to close the card, American Express Travel Services, issuer of my XXXX XXXX XXXX XXXX XXXX, closed it without warning several months ago. I 'm actually trying to get the card re-activated, or at least get my balance returned. 

One day a few months ago I went to log in to the account, which I had been using trouble free for some time, to find a message saying my account was suspended. I immediately called customer service, and was told that there was an investigation going on regarding " possible fraudulent activity '', and while I was n't being directly accused of anything, my card may have been involved, and so the account had to be suspended. I inquired as to how long this " investigation '' was going to take, and was told it could be several weeks to a month or more. 

Well, in the months following I have placed numerous followup calls to customer service, only to be told the same story, with no resolution or end date given for their investigation. When I asked how I could escalate my issue, as I need the card, I was told I would have to write to their fraud department, was n't given an option to call them. 

This has gone on way too long with no resolution, so someone mentioneed I could contact this office for possible relief. I was in no way conducting any sort of fraudulent activity, and doubt that anyone I conducted bill-paying or any other activities were engaged in anything fraudulent whatsoever. 

Thanks very much for anything you can do, XXXX XXXX
Consumer complaint received 2017-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Caliber Home Loans, Inc. (NY)

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
Consumer complaint received 2018-03-30
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: EQUIFAX, INC. (NE)

the following items I have been disputing has not been removed from by credit report on Equifax as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (AZ)

I am a victim of identity theft. My American Express credit card account : XXXX has been compromised. My card is lost/stolen. There is only one authorized and valid charge on my account that belong to me, and that 's from XXXX XXXX, 2017, XXXX XXXX XXXX at XXXX, MN for {$1000.00}, the rest of the transactions are all fraudulent, unauthorized and do n't belong to me.
Consumer complaint received 2017-09-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (VA)

I traded my XXXX XXXX to XXXX XXXX in Virginia. The dealer issued a payoff to Wells Fargo Dealer Services on XXXX/XXXX/XXXX, mailed it overnight on XXXX/XXXX/XXXX, and it was received by Wells Fargo on XXXX/XXXX/XXXX. Tracking information verified this through the dealer. I contacted Wells Fargo on XXXX/XXXX/XXXX to determine why my vehicle still does not show paid off. I provided tracking info with the address and the information. I was told there was nothing they could do and I needed to wait longer. I am already late on the payment now that was due on XXXX/XXXX/XXXX and the late fees will begin on XXXX/XXXX/XXXX. This loan should have shown as paid in full on time on XXXX/XXXX/XXXX. They also could have had a processing error, but the representative should have opened up a case or investigation to track down the funds. I have done all that I can do to prove that the payment is there, but they have n't processed it.
Consumer complaint received 2017-09-18
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. (ND)

I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my Trans Union, XXXX and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.