davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
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)

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an incorrect credit report entry but I still have ITEMS left that needed to be removed. This is my new attempt to notify you that I am a victim of faulty credit reporting and I write to dispute these items in my file resulting from the said issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an inaccurate credit report data : Experian XXXX XXXX Balance : {$5100.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX XXXX, XXXX  Reference # XXXX =======XXXX  XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XXXX XXXX, XXXX  Reference # XXXX. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2024-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I am one of the fortunate individuals to have my federal loans discharged for fraud and school misconduct by the president and his administration on XX/XX/XXXX as the XXXX XXXX was found to have been found guilty on several counts. See link for discharge article : XXXX XXXX XXXXXXXX After sending a XXXX via the CFPB, school misconduct discharge application was received on XX/XX/year>. 

On XX/XX/year>, I sent my application, evidence and anecdotal information that the XXXX XXXX committed fraud and school misconduct through aggressive recruitment tactics, misrepresentation of job rates, etc. 

XX/XX/year> - Denial received and asked for reconsideration and additional criteria needed for school discharge. I received the reasons for denial being : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' -- After asking for reconsideration and what evidence I needed to supply in addition to what I provided, they said they re-reviewed my application and that I was not eligible for discharge. 

Despite being forgiven by the current president and his administration at a federal level for fraudulent loans, Navient refuses to discharge loans for a fraud education I paid for. I am stuck in limbo paying for loans for a school that no longer exists and has not allowed me to move forward.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

My credit report is showing multiple collections, one from Jefferson Capital System XXXX, and one from XXXX XXXX XXXX XXXX XXXX. I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

My car history reports have been misrepresented and for having no fault of my own. I have had two accidents in the past, both of them were not my fault. I had two cars. Both were insured with XXXX. The first accident was when I was while driving my XXXX XXXX on XX/XX/year> and got hit by someone who had no insurance. That is showing as not my fault. 
The other one was on my parked XXXX XXXX. Someone had crashed into my park car, which went into total. That one is showing as my fault. This has damaged my insurability and raised my insurance. 

I have not been able to talk to LexisNexis over the phone. I need some way of communicating with them. I am willing to go to physical office to dispute this. I live in XXXX, AZ. I need help connecting with them in person or over the phone. I can only receive messages to go to their website and fill out forms, which I have done it. 
I have received a mail with to go to link https : XXXX But, when I to that link, it gives the message, " Page not found ''
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NY)

A payment was successfully made on XX/XX/year> for the amount of XXXX so I know the accounts are linked and work successfully. There were also no problems for all the other payments before this. A payment for XXXX was made on XX/XX/year> for XXXX and was not accepted by XXXX/wells fargo. Another payment for XXXX was submitted on XX/XX/year> with the same result. Another payment was submitted on XX/XX/year> for XXXX with the same result. I noticed my account balance was still not updating after these payments and an adjustment was added back onto my account to return my balance to what it was pre payment. So I thought maybe there was a problem with my bank. I have XXXX bank accounts on my wells fargo credit card account so I attempted to use both of them. Both accounts had over XXXX in them, more than enough to cover my bills but the payments were still not being accepted by XXXX/wells fargo even though they previously had. Wells fargo/XXXX then placed a hold on my account and began to chage me late fees for what they said was bounced payments even though both bank accounts could cover the amount due. Just to double check something wasnt wrong, I called XXXX XXXX  and XXXX XXXX XXXX  to check if there were any bounced payments. Both confirmed there were no bounced payments and that everything was fine on their end. I have been able to make payments to other people and other cards just find. XXXX/wells fargo are the only people having issues. When i spoke to bilt/wells fargo on the phone they were asking me to show proof of payment with my credit card statement and to fax it over to a department that is unreachable by phone. The agent could not tell me anything about what was happening or what to do and just said he had no say and I needed to fax a statement over the bank showing I paid the balance. It needed to be a paper statement that you get at the closing of your bill each month. What they are asking for impossible because when the payments are made, the balance shows as being deducted from my account in the app as pending but then the payment charge drops off, so its never included in the final statement. They wont accept a screenshot of the app and there is no way to contact the department that I need to contact. Since none of these payments are being accepted, they have begun to charge me late fees and interest on my account balance. They are threatening to close my account because of an error on their side. XXXX separate banks say I have no bounced payments and there is no way to contact the correct department at XXXX/wells fargo XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report, which violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Account XXXX : XXXX Creditor : XXXX XXXX The payment history for this account incorrectly shows a XXXX late payment in XX/XX/XXXX and subsequent charge-offs in XXXX and XXXX. This is inaccurate, as the account was closed by the creditor in XX/XX/XXXX. According to XXXX XXXX compliance standards, no late payments should be reported after the closure date. Specifically, the reported late payments and charge-offs after XX/XX/XXXX are erroneous. 

The first date of delinquency does not match the timeline of subsequent late payments. 
There is a XXXX late payment inaccurately reported for XX/XX/XXXX. 
The creditor closed the account in XX/XX/XXXX, and no late payments should be reflected post-closure. 
These inaccuracies have adversely affected my credit score and financial reputation. Despite my attempts to resolve this directly with Experian, the errors persist.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$83.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$290.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$2500.00}
Consumer complaint received 2024-07-18
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: Self Financial Inc. (GA)

XXXX credit cards services over the last XXXX months. I been having a in accurate report on the credit they issued. Its reporting a late payment that didnt happen and I ask for it to be removed its shows on other reports never no lates but they seem to have a issue removing it the account still revolving same issue wit XXXX XXXXXXXX but it show no lates as well except XXXX place its inaccurate. This date on XXXX XXXX XX/XX/XXXX Date XX/XX/XXXX for XXXX XXXX Self financial XX/XX/XXXX And show paid as agreed but lates also
Consumer complaint received 2024-07-17
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: VEROS CREDIT, LLC. (AZ)

This is in continuation from the response from Veros Credit of my original complaint at the beginning of XX/XX/XXXX. Once again, the information that theyre responding to is not addressing my complaint, they continuously try to validate information when that is clearly not what XXXX asking nor complaining about. First of all they are indicating is a is a so-called XXXX XXXX XXXX XXXX However, last year Veros Credit responded And said that I purchased a XXXX XXXX XXXX Not to mention that you dont have your information correct because you received your information from XXXX  XXXX XXXX without my permission. 

My complaint once again according to your response on XX/XX/XXXX, that you claim that I went into a retail sales contract with the company by the name of XXXX XXXX XXXX. But somehow, you ( Veros ) received my information In which I had no recollection of nor gave permission to do so and you created an account for me Using my personal information like my Social Security number without my permission. This is literally identity theft. You are directly violating XXXX XXXX code XXXX a, b and XXXX XXXX code XXXX Which protects consumers for companies like yourself that access a consumers information without their written consent or verbal consent. Once again, this is identity theft. 

To make this clear, my complaint is that you have stolen my identity and reported my personal information to the XXXX credit bureaus Written or verbal permission. This is a direct violation of consumer law. So my complaint is have you stolen my identity and given it to another company to report negative information on my personal credit reporting report? This is my issue. I dont need you to validate any information with any payments as that is not my issue with your company or my complaint with your company. I have a right to privacy, and you have violated by giving other companies or persons my personal information without my permission. 

For the last time I strongly advise you to take the correct steps to remove this information from your records and contact any other company, including the credit bureau and XXXX XXXX XXXX and make them aware that this is a violation to XXXX of these companies remove this negative reporting information from my report Immediately. If you avoid our specific complaints this time, we would have to move further with legal action as you continuously and voluntarily refuse to add to consumer law specifically the ones quoted above.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (LA)

I have attached a copy of my credit report highlighting the duplicate accounts for your reference. 

I have not yet contacted the credit reporting agencies or the creditors regarding this issue. I wanted to first inform the CFPB to ensure that this matter is properly documented and addressed according to the FCRA guidelines.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (NJ)

I have three accounts that doest belong to me and it states they are able to verify my social, date of birth and address. I need proof from these creditors that these account belong to me besides the three things i mention above I spoke with XXXX and this what information they provided XXXX XXXX  open XX/XX/XXXX, XXXX XXXX  : XXXX balance open : XXXX XXXXXXXX XXXX XXXX XXXX {$1400.00} : open XX/XX/year> XXXX XXXX : {$390.00}
Consumer complaint received 2024-06-04
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. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (FL)

Netspend closed my account and They were supposed to send me a check for return of funds for my closed account and I never received it in the mail. I reported it lost and they claimed it was cashed And after many attempts, they finally agreed to re-issue the payment to my account and send a XXXX and then the same day They did a total reversal and decided theyre not gon na send me my return of funds from my closed account.
Consumer complaint received 2024-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (VA)

I have been banking with Chime since XXXX. Just this past Thursday ( XX/XX/XXXX ) someone with the chime account $ XXXX scammed me out of {$200.00}. She was acting like she was my children 's grandmother. She asked for money for her bills and I sent it to her, thinking that was my children 's grandmother. After speaking with my children 's father he said that wasn't his mom asking for money her FB XXXX was hacked. This scammer reached out to me on fb messenger from my children 's grandmother account. This scammer even video called me with my children 's grandmother picture on the screen that's why I didn't really think nothing of it. I filed a police report because I will be pressing criminal charges and I uploaded my police report along with the conversation between me and this scammer. My dispute was denied because they said I sent the money and there is nothing they can do. I have XXXX children the youngest is an infant. That {$200.00} was my last. Every representative I talked to was listening to respond instead of listening to understand. I was also told there is nothing Chime can do if you get scammed. That is unacceptable especially if I have proof that I got scammed. And what happens to this scammer? She gets to keep her account and my money and anybody else 's money she may have scammed people out of? I really need my money and help support can not help me. If you could resolve this issue in any way I would greatly appreciate it.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NJ)

Mr Cooper FAILS to connect me XXXX a real time representative. Templated automated features FAIL to allow this consumer TO PAY OFF MORE of the monthly principal. In short, these XXXX  wont allow me to give them more .
Consumer complaint received 2024-07-11
Product: Credit 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 (NY)

I contracted for an aligner service who breached contract and did not provide the services I fully paid for in the amount of ( {$1700.00} ) instead of monthly payments. 

I reached out to Wells Fargo and explained over a recorded line and I also sent in a signed and dated letter under the law of perjury. 

Before my claim was sent in I received a call from a dispute representative asking me in regards to a credit of {$250.00} I had received from the aligner company. I told her that was for a in person visit in which I paid out of pocket and it had nothing to do with my XXXX payment made to the same company. When you have multiple visits you pay for services sometimes on credit, debit, cash. 

The representative took down my notes and sent my claim in. I received an email on XX/XX/2024 which I attached stating my claim was CLOSED and I was being credited back the full amount of {$1700.00}. 

On XX/XX/2024 there was a " bank adjustment '' of {$250.00}. I called and Wells Fargo stated that they think it had to do with my ( XXXX ) payment and I should be responsible. 

When I asked what evidence they have that proofs contrary to my statement and contract they don't say anything. They just say that's what the bank says. I requested all documents, communications with visa on call and on paper, emails, call logs, etc. They say they can only send me what they have but they don't have all communications. 

I want my full amount to be credited back. I paid in full and merchant did not keep their side of the contract. Besides, Wells Fargo resolved my claim XX/XX/2024 and CLOSED it, I am confused as to how you can go back open a closed and resolved account and " adjust '' a week later based on their feelings and not evidence. 

When I asked who reopened my closed case I get no answers either. 

I'm reaching out for help. I want to understand the process from start to finish. I want to understand the communications and how my closed resolved case became open again and " adjusted '' when it was already resolved.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX loan was forgiven because the school committed fraud, which was proven before the school was shut down. I had a XXXX balance and now the old balance has resurfaced. All my XXXX  loans should have been removed because the XXXX programs at XXXX XXXX XXXX were shut down for fraud, among other things. I should have a XXXX balance from all loans for XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-25
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. (FL)

XXXX XX/XX/2024 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. 


XXXX XXXX XXXX XX/XX/2024 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 2020-06-17
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.
Consumer complaint received 2024-06-04
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.