davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2024-04-23
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. (FL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-24
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. (OH)

As a customer of Experian credit services, I am deeply disappointed with the lack of proper updates to my credit profile. Despite providing documentation that clearly shows fraudulent charges on several accounts within my credit report, your company has failed to take action. Other credit services have successfully removed these accounts, yet Experian has not. This is unacceptable and must be rectified immediately. I demand that all fraudulent accounts be removed from my credit profile without delay, as these charges and transactions are not a reflection of my financial responsibility. It is imperative that Experian fulfills its duty to accurately represent my credit history. 
all credit companies remove these following accounts Remove Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (VA)

I went to First National Bank in my local branch to open a business checking account on XX/XX/XXXX which was Saturday and account official opened on following Monday XX/XX/XXXX. 

I funded {$15000.00} more in my account on XXXX XXXX XXXX but my account got a monthly fee charged on XX/XX/XXXX. I called First National Bank customer service asked to refund the {$29.00} fee because my account just opened in 30 days I already funded my account {$15000.00} more. My local branch refund {$15.00} to my account and {$14.00} still not refund my account. 

As my knowledge when a customer opened an account in 30 days It usually no monthly fee. 

I am writing this complain to request First National Bank to refund {$14.00} back to my account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

I've been asking for a status update on my XXXX  applications since last year and have not received XXXX. I submitted my temporary XXXX  waiver in XXXX of 2022 and consolidated my loans at the direction of the student loan provider, but I have not received any updates on my applications. My eligible payment count has been at XXXX since the consolidation in XXXX of last year. I've worked at eligible employers ( nonprofit and academia ) for almost 14 years, so I believe I've reached forgiveness for most of my student loans. I've asked Mohela to put my loans in forbearance while I wait on them to process my application but I was told I can only receive a forbearance if I've made XXXX qualifying payments, however, on the XXXX  application it clearly states that while your application is being processed you can request a forbearance, it does not have any language about a XXXX payment requirement. Also, if I've already made XXXX qualifying payments, I wouldn't need a forbearance because my loans would be forgiven. Not allowing me to receive a forbearance when the application states I can receive a forbearance while waiting on my application to be processed is unethical and unjust. If student aid gov or Mohela is inundated with XXXX applications and behind schedule with counting eligible payments they should put my loans in forbearance while they catch up on calculations. I don't understand why my loans weren't updated last year while things were paused for student loans. Mohela has contacted me to make payments for the last couple of months, but they have not contacted me about student forgiveness in over a year.
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (CA)

This complaint it is intended to expose that Wells Fargo continues with illegal abuse of homeowner 's rights and it is using the settlement of several violations of agreements to achieve greater benefit towards them and their way of defrauding not just the consumer who have suffered great harm by been wrongfully foreclosed. This XXXX XXXX remediation plan it is XXXX and Wells Fargo it is using it to commit even more abuse and benefit from it instead of correcting their misconduct and illegal way of business. I will be referring part of this complaint to the XXXX so that our Bank Enforcement Agencies can also be hold accountable in been more efficient in making the banks not make a joke of them by getting away with it. Since my case is beyond the scope of the majority of complaints submitted to you, I am requesting a special oversight officer to contact me directly in order to give the specifics of my case and find a way to make Wells Fargo not to continue abusing the system " Continuance of Violating Homeowners Rights and Settlement Agreements '' and embarrassing our Consumer Protection Agencies. Insights about my case ; Wells Fargo tried to settle pain, suffering and damages by sending me a check back in XXXX of last year, this compensation check does not offer near enough to compensate for the devastating ripple effect a foreclosure can have, including the stress and trauma of losing ones home, related health problems, and destroying peoples credit, aside from other damages including depriving homeowners of their home value and much more. I will greatly appreciate it if someone who has understanding over the matters mentioned above can contact me either via email or calling me directly in order to state more about how Wells Fargo it is using the Settlement Agreement Process towards their benefit and not of the homeowners and consumers, and I request for this complaint not to be share with them until a full investigation is initiated in order for them to hide what they have been doing before, and since they were found in violation of Federal, State and Servicing laws.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

The following corporations XXXX XXXX, XXXX XXXX  XXXX, and Discover Bank are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX and Discover Bank must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as XXXX XXXX XXXX XXXX XXXX  and Discover Bank themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX  to be included in your consumer credit report
Consumer complaint received 2024-04-24
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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Bright Capital Inc (FL)

Hello, For a period of time I had an acct with this company. They require linking of your credit and debit cards plus an ACH from your bank. This is supposed to be so they can move a small portion from your bank acct every so often into a savings acct for you. The issue is now that I no longer do business with this company, it has been IMPOSSIBLE to fully cancel. I have called, they have a recording that says to send an email. I emailed for months and finally got someone that said they would stop the charges and close my acct. They stopped withdrawing money from my bank for a few months but now they're doing it again and now I'm back at square one. When I spoke to my bank ( XXXX  ) they told me to reach out to the entity for a resolution since it is an ACH. You know how that's been going. I just want to have peace of mind with my banking and end this terrible, regretful business relationship with Bright Money. Imagine this, every few days 2 charges from a company you don't do business with is taking money from your acct a few cents at a time. XXXX cent here, XXXX cent there. That isn't a major amount of money but it's mine just the same. Please please please help me bring an end to this terrible situation and prevent others from experiencing the same. I have the emails from several of their employees claiming to be able to stop these charges and cancel my acct.
Consumer complaint received 2024-04-24
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card Account - Experian Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my Experian credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my Experian credit report, I have discovered significant inaccuracies that require immediate attention and deletion. 
The specific discrepancy I wish to address concerns the account status and the reported late payment : Late Payment on XX/XX/XXXX : The report indicates one late payment, but it conflicts with the statement " Status : Paid, Closed. '' If the account is closed and paid, there should not be a late payment associated with it. This inconsistency suggests inaccurate reporting of the payment history. 
According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy, completeness, and fairness of the information they report. Additionally, FCRA Section 611 ( a ) ( 5 ) states that if an item on a consumer 's credit report is inaccurate, incomplete, or can not be verified, it must be corrected or deleted. 
Based on the discrepancies outlined above and the provisions of the FCRA, I formally request that Experian delete the inaccurate information related to the XXXX XXXX XXXXXXXX XXXX Account from my credit report. It is crucial that my credit report accurately reflects my financial history to ensure fair and accurate credit assessments. 
Thank you for your attention to this matter. I expect a prompt resolution and the deletion of any inaccuracies on my Experian credit report related to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-20
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. (FL)

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident [ XXXX ] As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER:XXXX OPEN DATE ; XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX  ACCOUNT NAME ; XXXX XXXX ACCOUNT NUMBER ; XXXX ACCOUNT NAME ; XXXX XXXX XXXX ACCOUNT NUMBER ; XXXX UNAUTHORIZED INQUIRES XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ].
Consumer complaint received 2024-04-24
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)

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. 

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 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I was notified of a credit inquiry through XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit monitoring service XXXX. 

On XX/XX/XXXX I received a letter in mail regarding the application from XXXX, which the name on the application does not accurately reflect my drivers license. 

I have never applied for nor authorized an XXXX XXXX XXXX points plus XXXX. I have no business with XXXX XXXX XXXX. 

On XXXX I contacted my credit monitoring service for assistance and they helped me setup a fraud alert. We also tried no less than 5 different numbers to contact XXXX. None could help. Including XXXX very own Fraud department! They sent us back to an automated application line and we never got to a live person. 

So XX/XX/XXXX I called into Experian to file a dispute. They responded back on XX/XX/XXXX claiming XXXX verified the inquiry was accurate with no details ( no contact phone # for XXXX nor any supporting information ). 

XXXX bank and experian have not done an adequate job resolving this.
Consumer complaint received 2023-09-20
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. (FL)

Dear Sir/Madam, I am writing to formally dispute the presence of certain items in my consumer report, which have been reported without my written consent. This action is in violation of the provisions outlined in 15 USC 1681b. Additionally, I have reported this matter as a case of identity theft to the Federal Trade Commission ( FTC ) and possess a reference number for this incident [ XXXX ] As per 15 USC 1681c-2, it is the responsibility of the consumer reporting agency to promptly block the reporting of any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft. The law mandates that this should occur not later than 4 business days after the date of receipt of such information.

I hereby request the immediate removal of the following accounts from my consumer report : ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX  OPEN DATE ; XX/XX/XXXX ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX ACCOUNT NAME ; XXXX XXXX ACCOUNT NUMBER ; XXXX ACCOUNT NAME ; XXXX XXXX XXXX ACCOUNT NUMBER ; XXXX UNAUTHORIZED INQUIRES XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX These accounts were reported without my written consent and are a direct result of the identity theft incident, as indicated by my FTC reference number [ XXXX ].