davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-04-12
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. (TX)

I keep asking them to prove to me that this account belongs to me. They have sent me no contact no signature, no bill with nothing that proves that this XXXX XXXX account belongs to me. This is not fair that they are allowed to do this. They need to provide proof. I had at @ t since XXXX
Consumer complaint received 2024-04-12
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 XXXX  Bankruptcy, # XXXX ( XX/XX/XXXX ) and ( XX/XX/XXXX ). 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 or any other adverse item of information other than records of convictions of crimes that antedate 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 2024-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$170.00}.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

I have banked with Wells Fargo, ( when they were XXXX ) for at least 40 years until XX/XX/year>. On XXXX XXXX, my Identity was stolen in California when my daughters truck was broken into. I immediately went to Wells Fargo an changed my accounts. I had quiet a few disputes enter due to my Identity seriously compromised. My social security, my birthdate, my address, my email, my zip code, my credit cards and my entire life 's comfort zone. Fast-forward to XX/XX/XXXX when I deposited XXXX XXXX dollar bills into the ATM machine at my bank in XXXX, Fl. The ATM spit out XXXX XXXX dollar bills and wanted to confirm XXXX dollars in which I did since I had XXXX dollars in my hand. I received my receipt for the XXXX and then proceeded to make another trans action for the XXXX to be deposited. When doing so I confirmed the XXXX to be deposited and was returned my debt card but no receipt. I looked at the screen and it said OUT OF SERVICE. Wells Fargo never believed me and basically called me a liar and called me a thief. So I wrote a complaint to CFTB and Wells still kept my XXXX dollars. Fast-forward to XXXX XXXX, while on vacation, to be with my daughter in XXXX XXXX Wells Fargo decide that I was too much of a risk to them and CLOSED my account. Now I was told on the phone that I needed to go to a Wells Fargo and withdrawal my monies and they would give me a cashiers check and to go to another bank and open a checking account. I am now forced to figure out whose was a auto pay which companies have bill pay and notify all my direct depositor that my account has been deleted at Wells Fargo. So I now have to wait on my pay check from XXXX XXXX where I work to default and sent back to them and mail to my home, which could take anywhere from 10-15 days. Wells Fargo locked me out of all of my account and there no way to retrieve any of my information that I had set up for 40 years now. Plus my Identity is still compromised and Wells XXXX XXXX and all of the fraud on my accounts were all pending plus they still took my XXXX dollars. How can they get away with this egregious act to a loyal customer and tell me that I am a risk. I asked the teller if the bank does this a lot to other and she told me that I was the first. I am so overwhelmed with this position that Wells Fargo has left me in that all I do is cry and get on the phone and wait to speak to a human being.
Consumer complaint received 2024-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

School Misconduct Application was received by Navient on XX/XX/year> and loans were placed into forbearance. Forbearance ends in 14 days on XX/XX/year> and the application is still pending. On XX/XX/year> I received an email from Navient telling me that my loan servicing would be taken over by XXXX in the near future and that they would be in touch within the next few months.
Consumer complaint received 2024-04-12
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-04-12
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. (GA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (ME)

I was told that because I always paid my entire balance and in the unfortunate event of having two automatic payments returned, they just decided to close the account. After learning about the payment return, I always fixed the problem immediately, and they also profited from me every time. It cost {$35.00} each time, which happened about six months apart. Also, I am concerned that this will cause damage to my credit score. I have this card for a while. Another concern is that the company never mentioned in their bill of rights that they would close your account if you had a payment returned by your bank. This is a trap, the same deceptive practice used by the former GE.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I received a letter from a debt collection agency on behalf of XXXX XXXX in late XXXX. I immediately ticked the box on the form requesting details of the debt and returned it. I have confirmed with the company that they received the letter on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I have not received a letter of validation. I have received text messages and calls attempting to chase the debt though. I have explained to the people calling that I requested information and it has not been shared. My understanding was that they have 5 days to respond. It's been a month and nothing. 

My original confusion stems from the fact that vehicle insurance is paid in advance therefore I do not understand how they can claim I owe them money upon cancelling the policy.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WA)

I have a Wells Fargo Autograph credit card ( account number is XXXX XXXX XXXX XXXX ). After the close of the previous statement ( XX/XX/XXXX ), I had a statement balance of {$3100.00}. I made payments to bring the account balance to {$0.00} prior to the close of the most recent statement date ( XX/XX/XXXX ). Wells Fargo never reported to XXXX after the XX/XX/XXXX statement that the account balance is now {$0.00}, so my XXXX credit report continued to show a balance of {$3100.00}. I submit a dispute on the noted Wells Fargo account through XXXX on XX/XX/XXXX. XXXX contacted Wells Fargo referencing the dispute, and Wells Fargo responded saying that i still have an account balance of {$3100.00}, which is incorrect. 

As a result of Wells Fargo incorrectly reporting my account balance to XXXX two separate times, i am submitting this complaint regarding my Wells Fargo Autograph credit card account.
Consumer complaint received 2023-07-28
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. (IL)

I am not Liable for this debt with XXXX XXXX, I DO NOT have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. According to 15 USC 1681 a 2 they must have written authorized permission to furnish those accounts on my credit report. They are in violation as I have not provided this permission. 

I have also filed complaints with the Federal Trade Commission as well as the XXXX XXXX XXXX regarding this matter
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I submitted a complaint about the way my public service loan forgiveness qualifying payments were being calculated. MOHELA claims I am 8 qualifying payments short. In their attached response they stated that my last date of certified employment is XX/XX/XXXX. This is incorrect as I submitted certification forms through XXXX of XXXX. I submitted these forms repeatedly. That means there are approximately 20 payments MOHELA is not counting towards my PSLF forgiveness when I am, according to MOHELA, 8 payments short. 

Additionally they states I was in an in school deferment from XX/XX/XXXX through XX/XX/XXXX. This is incorrect as I applied for and received forbearance during that time. I would like the documentation showing that it was in school deferment and not forbearance. If their records indicate that then the servicer at the time mis-recorded that. As forbearance of over 13 consecutive months these should also be qualifying payments per their own response letter.
Consumer complaint received 2024-02-01
Product: Credit reporting 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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing to delete the following information on my file. The items I need deleted are listed below in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$260.00} XXXX Agency Name XXXX XXXX Account Opened XX/XX/XXXX Account Balance {$1100.00} XXXX  Account Opened XX/XX/XXXX Account Balance {$930.00}
Consumer complaint received 2024-04-12
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. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CADENCE BANK (TN)

I recently learned that when then Bancorp South foreclosed on my home and sold my house they received {$15000.00} more than I owed them. This was 2013. 
I owed them {$50000.00} and they sold the house for {$65000.00}. When I contacted the Lawyer that handled this foreclosure, XXXX XXXX, he told me to stop calling Cadence Banks President and get a lawyer and that he'd only speak to Attorney. 
I am a XXXX  and I can't afford a lawyer. I am owed this money and I expect them to give.me my money. 
It appears they stole my money. 
Also BanCorp South bought Cadence Bank so that is why the name changed.

Also, please see my previous complaints regarding this bank.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

I am victim of Mortgage Fraud perpetrated in 2007. I was approached in 2007 to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I applied online for a unlimited cash rewards card with Bank of America on XX/XX/2024 the representative told me I was approved and they would send the card out in XXXX business days on a recorded line, Bank of America had access to a passport on file from a old account which has my picture on it and the very next day blocked the new card from being sent out according to a customer service rep on a recorded line when i called on XX/XX/2024, Bank of America saw i was XXXX XXXX on the passport information and it triggered a manual review of XXXX form and income verification as if i were buying a vehicle, I was told I could not use my household income which i rely on with my spouse because im XXXX and that they can only use a check stub and income tax information which im not required to file to process the application, these actions by Bank of America are very discriminatory , after a hard pull of my credit I am eligible for this card but due to XXXX  I was flagged as if im a XXXX.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Capital One due to the ongoing issue with the reporting of a late payment on my account, number XXXX. 

Upon reviewing my recent credit report, I discovered an inaccuracy for the month of XX/XX/year>, indicating a 30-day late payment. To address this matter, I initiated communication with Capital One and spoke with a representative who assured me that corrective measures would be taken. Specifically, the representative confirmed that an update would be sent to the credit bureaus to remove the 30-day late payment from my record. 

However, to my concern, this correction has not been reflected in my credit report to date. The late payment is still visible, impacting my credit score adversely.
Consumer complaint received 2023-09-02
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Two different deposit amounts for {$74000.00} and $ XXXX deposits show a date of XX/XX/22 on the letter from the prevention contact center from Wells Fargo it reads the funds were held while the review was made and based on the review the funds were now made available on XXXX online access to my account that I was monitoring hourly throughout the day was suddenly blocked and my account was closed or I was not authorized to access the online banking the funds I couldnt see what was going on I was out of the country for the weekend.I found out I didnt have the authority to cash a third party check in my account thru the atm and in order to open my account back up I need to bring the third party in with me to sign or endorse the check to me in the presence of a teller case number # XXXX noticing a discrepancy in the amounts and once I was able to regain online access I tried to request statements but they were not ready and then the sudden death of the party I was just in the bank with clearing up the endorsement issue caused me to set aside the documents I still seek clarification on I would like to know what happened to the funds that were made available during the time I was unable to get any access to online banking and my debit card was deactivated so please let me know
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.