davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

As of XX/XX/XXXX, I discovered that my online banking for Wells Fargo was hacked and realized that my identity had been stolen. It was near closing hours for branch, but I called to reported to the bank and asked to lock my online banking, checking account and credit cards. 

I went to the branch again XX/XX/XXXX seeking for help and asking advice for the next step. The banker at Wells Fargo branch assured me that all my accounts are blocked and transactions are under investigation. There is no need to open a new account as the funds will be returned to the same account as investigation gets resolved. 

Even after I reported my accounts had been hacked and my identity was stolen, Well Fargo failed to protect my checking account as the fraudster could continue to access my checking account and order new ATM cards to conduct fraudulent activities. There are Frauded transactions from XX/XX/XXXX all the way to XX/XX/XXXX!! I had reported that all transaction is fraud started XX/XX/XXXX and on. I have visited XXXX California branch reporting frauds as it is happening to my account many times, while all the ATM withdraws are showing that they took place in XXXX XXXX. Well Fargo failed to investigate the fraud transitions properly and are not crediting back my account for the stolen funds.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Manhattan Beach Venture, LLC (WI)

2015 I set up a way to make low monthly payments to have my student loans paid off. I then joined the military and my time away temporarily delayed my payment process meaning I wasnt eligible to receive any student aid. I was told there was deferment options for military members but that didnt apply to me because my loan had gone into deferment.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

Experian - I unknowingly signed up for the credit report service for {$22.00} a month back inXX/XX/2017. When I saw that I have been charged in XX/XX/2017, I immediately called to cancel. Since then, my family and I I've been very busy with a cross-country move and new jobs, and did not notice that the billing continued. I'm now in a different time zone, and have been unable to connect me with customer service because the wait times when I am available are always 3 hours or more. I'm seeking restitution of {$50.00} to cover the expenses cost as well as the cancellation of my account effective immediately.
Consumer complaint received 2022-08-11
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: Experian Information Solutions Inc. (WI)

In accordance with fair credit reporter act 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 I also states a consumer reporting agency can not publish or furnish account without my written consent or instructions
Consumer complaint received 2022-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report
Consumer complaint received 2024-08-12
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. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/year>
Consumer complaint received 2022-08-11
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. (IL)

I called the TransUnion, XXXX and XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts listed below on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$130.00}
Consumer complaint received 2023-03-13
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. (IL)

This is the second time the credit reporting agencies have reported fraudulent accounts on my reports. The first time I had to sue them to correct the mistakes. If they don't remove the accounts listed on my FTC reports I will take legal action again. They continue adding accounts on my reports that are not mine.
Consumer complaint received 2024-08-12
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX
Consumer complaint received 2018-04-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is a complaint about Bank of America. More than 5 years ago I had opened a money market savings account and was told to maintain the account I had to have {$2500.00} in my account monthly and/or have transactions in and out the account. I have maintained the account with a constant minimum balance of {$2500.00} up till XX/XX/2018. I made sure on XX/XX/2018 I headed to the bank to bank in {$2500.00} in cash so that my monthly closing balance did not fall below its requirements. On XX/XX/2018 I had a {$8.00} dollar monthly maintenance fee that was charged by the bank and after several phone calls speaking to customer service they said my account is now known as the Rewards Savings account and I had to maintain a daily balance of {$500.00} instead of {$2500.00}. I was definitely not informed about this change and new requirements - as I would not have done the withdrawal as how I had done on XX/XX/XXXX so I can avoid the fees that were to be charged. Bank of America definitely did not inform me in any way and all they said was it could have been on the statement and no such email informing me of such which I find it ultimately deceiving. They also refused to refund me the charge although it is my first time making such mistake. A mistake that I myself was not aware I was making. I have had banks like XXXX or XXXX whereby I made a mistaking if overdrawing to pay for my bills and quickly rectifying it with a deposit into my bank account and they will reverse the charge / penalty for such. Im really disappointed that Bank of America would not even do so for my as it is my first time such an instance had happened and I was not properly informed of the change of my bank account and its requirements.
Consumer complaint received 2024-08-12
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. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MIDFIRST BANK (FL)

This notice is to inform you that you unlawfully reported fraudulent accounts open in my name XXXX XXXX. The Following account is a result of Identity theft and was not initiated by me, I demand that account be DELETED immediately. My identity has been stolen you are herby put on notice.Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A ( 1 ) In General.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.An identification of me has been used with out my permission to open this fraudulent accounts # XXXX that have damaged my reputation and damaged my mode of living because you furnished a false information to consumer reporting agency without my written permission as stated by Federal Law.15 USC $ 1681b Permissible purpose of consumer reports. I have attached all the relevant documents pursuant the above Section of the law. Attached Identity theft Affidavit police report, driver ID FTC identity theft report and XXXX XXXX XXXX. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. company shall delete the any information in the file of a consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by consumer ( 1 ) Appropriate proof of identity of the consumer : ( 2 ) A copy of an identity theft report : ( 3 ) The identification of such information by the consumer : and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

I have attached all the relevant documents pursuant the above Section of the law. 

I demand this Fraudulent account be DELETED immediately from consumer reporting agencies.
Consumer complaint received 2021-12-27
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. (DC)

As by Law, under 15 U.S Code 1601-  Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2024-08-12
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. (CA)

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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX ( late payment ) High Balance : {$7900.00} Balance Owed : {$7700.00} XXXX  Original creditor/ XXXX XXXX XXXX XXXX {$23000.00} Experian Lists non-mailing addresses I have requested remove but I was denied when I called over the phone 2 weeks ago. The addresses are as follows : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Original XXXX XXXX XXXXXXXX XXXX XXXX {$23000.00} 15 USC 1681 Section 602 A states, I have the right to privacy.

15 USC 1681 Section 604 A, section 2 states, a consumer reporting agency can not furnish an account without my written consent or instructions.

15 USC 1681 c. ( a ) ( 5 ) states, no consumer reporting agency may make any consumer reporting containing any of the following items of information : Any other adverse item of information other than records of convictions and crimes which antedates the report by 7 years.

15 USC 1681s-2 ( a ) ( A ) ( 1 ) states, 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 that the information is inaccurate. 

I have not provided consent or instruction to any credit reporting agency ( XXXX, Experian or XXXX ) to report any of the data provided above, nor have I been given the option to opt out. This makes the information inaccurate.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Over the past 4 or so years, I have been repaying my loans to Nelnet that were separated into two groups. As I understood, these groups were determined based on similar loan types, interest rates, etc.. This year, I got a notification that my groups were changed. After digging into it, I found out that I had a high interest loan that was being hidden into a group with a low interest loan, which was deceiving. If I had known that I had the high interest loan, I would have been paying llall extra payments towards it. I feel like this is an unfair practice. At least it was fixed this year.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX thinks I'm deceased I'm am not me and my father had same names and merge his accounts onto my report I'm deceased with, XXXX, XXXX, XXXX XXXX multiples credit inquiries, XXXX, XXXX XXXX XXXXXXXX, I tried getting stuff off I get no answer, some stuff on here I was recovering from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

EXPERIAN thinks I'm deceased I'm am not me and my father had same names and merge his accounts onto my report I'm deceased with, XXXX, XXXX, XXXX XXXX multiples credit inquiries, portfolio, social security admin, I tried getting stuff off I get no answer, some stuff on here I was recovering from XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is reporting that Ive lived at addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The addresses have been disputed, and listed incorrectly again despite the disputes. Additionally, XXXX closed my account, and charges it off. They then wrote it off. Sold it to company that I have the obligation to. The company they sold it to listed as XXXX XXXX. Says my original loan was {$11000.00}. XXXX has it listed as {$19000.00}. The amount that XXXX XXXX has should reflect XXXX. Also, the open dates of the loans are different. Due to incorrect reporting. I request that both XXXX XXXX and XXXX be completely deleted from all three credit companies Pertaining to my name. Additionally, Im asking that the addresses above be completely deleted as well.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am in the process of correcting my credit report and so far I have satisfied a few of the outstanding issues. However, after filing a dispute with Experian then allowing the reporting agency to confirm and verify the disputed information along with the other two reporting agencies in which I have disputed the same items, XXXX XXXX and XXXX deleted or updated my reports and in doing so, it raise my score for both agencies above 600. Experian lowered my score considerably claiming that because I satisfied a previous car loan and it was Paid In Full, they claim that this was the reason my credit score lowered, several times since I initiated the dispute. I as a consumer have NEVER seen nor have know under any circumstance wherein a consumer corrects his or her credit report to a more favorable status and it lowers their credit score or worthiness. I have spoken with a representative with Experian and she said that yes, the reason is was because I paid of a previous car loan and that account although PAID IN FULL, is now closed but it would reflect negatively on my report. My question is, why did it reflect positively on the other two credit reporting agencies? That is not fair to me or any consumer blemish a report after creditors have been paid.
Consumer complaint received 2018-04-01
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. (GA)

I have many loans from my time at XXXX XXXX XXXX. I was enrolled for four years ending in 2004. Navient called and recommended I use a graduated repayment, so I switched to that. I have only worked in XXXX XXXX  or XXXX since graduating. Had I known I could've had my loans forgiven by using income-driven repayment, I would've stayed on that and my loans would be forgiven by now. Instead I'm starting over at the beginning. My loans have the same balance as they did fifteen years ago because of all the interest. If I stay in XXXX XXXX I'll be eligible for forgiveness when I'm XXXX, otherwise at 20 years I'll be XXXX.
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX Bank ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX  XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
Consumer complaint received 2018-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

The following information either XXXX  or Ally are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either XXXX or Ally is showing the same Ally account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
.