davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I was robbed at XXXX XXXX XXXXXXXX XXXX hiking in XXXX XXXX, XXXX. My cross body was sliced from my chest after being XXXXXXXX XXXX  knocked down by a large male who did not speak any XXXX. In that cross body, contained my XXXX  ( which had my Wells Fargo app downloaded onto it as well as email app ), drivers license, cash, debit, and credit card. My bank was notified immediately after the event, on XX/XX/XXXX that I had been robbed at XXXX and my debit card that was stolen was cancelled. 

On XX/XX/XXXX, I received a suspicious email from Wells Fargo saying that face ID had been enabled. This was not me. I did not authorize this. Then I got a code via email to verify my identity. This was not authorized or initiated by me. Next thing I know, a new recipient was added to my XXXX account ( my XXXX interface is built into my Wells Fargo app ). I did not authorize this, and I have never met or heard of the name of the the XXXX recipient. Next thing I know, the entirety of my checking and savings account was XXXX  in the form of 3 separate payments to this individual. I did not authorize, nor did I send any of this money. Immediately following I called and filed a fraud claim. Since filing that claim, it has been denied, as well as denied again during every attempt I have made to appeal it. I have repeatedly been hung up on and they refuse to discuss why my claim keeps getting denied. I have also filed an FTC ( Federal Trade Commission ) claim. 

Atached you will find the police report I filed in XXXX in the following days after the incident as well as the suspicious email alerts I received from Wells Fargo regarding the XXXX transactions that were not authorized or done by me.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/2017 XXXX XXXX  reported a delinquency to XXXX for a valid debt of {$1100.00} with the account # ending in " XXXX ''. Years later when I attempt to negotiate a settlement XXXX XXXX XXXX, the collection agency they turned the debt over to. XXXX said that it was " XXXX '' accounts roughly for the same amount of money and I vehemently objected! Stating that I only rec 'd service from the dental company one time and one time only. I've asked Both XXXX XXXX XXXX to provide me valid proof of the 2nd account and name of the dental company here in XXXX Tx so I can go and prove this error yet they both refuse to do so! I finally got XXXX to delete both entries off my credit profile only to have XXXX turn right back around and put them both on my Equifax XXXX XXXX credit reports! I mailed a certified letter to XXXX requesting proof of XXXX " bogus '' account and name of the dental company that I rec 'd service from to no avail. In the meantime XXXX wants me to settle 50 % on both accounts w/o any proof or justification. I will send you all the documentation I have dealing with these two very unscrupulous companies! As they are directly stopping me from purchasing a home for my family, because I simply refuse to pay for the same account twice!!
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My home loan went into default XX/XX/2014 with XXXX XXXX, due to a temporary hardship. The hardship was resolved and an application for loan modification was submitted ( XX/XX/2014 ). Since the original submission, and to date, XXXX and its servicers have rotated at least XXXX " Preservation Specialists '' on my applications, lost or arbitrarily rejected multiple loan modification requests, applied arbitrary qualification criteria, transferred servicing to another company, and has repeatedly misrepresented the status of the application and required substantiating documents. After being told by XXXX that the loan was not in active foreclosure and they were working with me, on the same day they filed foreclosure. Defending myself in court has been costly and distractive, as well as a cost in emotional stress and lost wages. Meanwhile, the finance charges grow and related administrative fees increase. My consumer credit counseling representative suggested a complaint is in order. I have also filed civil counter claims.
Consumer complaint received 2015-10-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Northern Trust Company, The (IL)

I was told by letter from Northern Trust XXXX copy attached XXXX that my home equity line would not be renewed because I do not have a minimum level of assets with Northern Trust Bank. I have had this XXXX XXXX XXXX since XXXX XXXX, 2006 XXXX copy attached ) and have always been in compliance with its ' terms. I believe I have been discriminated by Northern Trust.
Consumer complaint received 2015-08-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MINNESOTA LIFE INSURANCE CO., THE (KY)

In XXXX, My ex wife applied for a title loan through Personal Finance Company on her car and in doing so the company wanted me to cosign the loan for her. The original amount of the loan was for {$1000.00} she then got into a car accident and stopped making payments. In XXXX I received a wage garnishment order for {$20000.00} from this company and received no prior communications about the debt because I was not living with the original account holder since XXXX, on the garnishment order that I received from my employer shows a mailing address of a XXXX XXXX that I never used. Being a cosigner I know I am also responsible for the note but do not agree with paying accumulated interest of the loan, I have been in contact with the finance company and also with the collection company handling the account trying to come to a resolution. I have paid {$4000.00} so far on this account, however they are not attempting collections on the original account holder and trying to collect back interest of 29.22 %. I believe that this is a very unfair practice from this company I believe that I have fulfilled my obligation as the cosigner on the note paying the original loan amount plus other costs for the loan going into default. All the payments that have been made, came from me and not the original account holder. I believe that forcing me as a cosigner to pay accumulated interest since the loan has been in default is just wrong. I was informed by the collection agent handling the account that I have paid more then the original submission of the account. How is it legal for a company to keep accruing interest on {$1000.00} loan for many years that the account has been in default?
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B
Consumer complaint received 2015-04-10
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (WY)

I was issued a debit card, not at my request, on Comerica Bank by the state of Oklahoma for my income tax refund. When the opportunity to use the whole amount of the card at a retailer presented itself, I attempted to use the card. When the card was rejected, the retailer called the number on the back of the card. I spoke with " XXXX '' who confirmed that the amount of the card was the same amount that was being charged ( {$950.00} ) but who said that if I charged that amount, the transaction would be rejected for insufficient funds! When I asked how that was possible, he could not say. When I asked what amount could be charged, he would not say. XXXX then transferred me ( with a long on-hold wait ) to a woman in " finance ''. She told me that my balance was no longer {$950.00} because of fees charged to the balance. When I asked her what fees had been charged, she said I was only allowed XXXX free calls to learn my balance. When I pointed out this was the XXXX call ever made and it was not to learn my balance, she went to what turned out to be a stock reply : " Did you read the terms and conditions you were sent with the card? '' When I asked who was charging fees to the card, she insisted it was the state of Oklahoma. ( I would be fairly certain it was Comerica Bank! ) After several more rounds of refusing to tell me what charges had been made against my account and not telling me my balance, she finally told me that my balance was now {$940.00}. I asked if I could now charge {$940.00} on the card, she said I could not because my balance was now {$940.00}. I successfully charged that amount. I believe that Comerica Bank unjustly charged my unwanted debit card {$6.00}. I still do not know why. There must be many other victims of this fraud.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

dear XXXX XXXX  This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

XXXX XXXX  : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report. 

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is the 2nd time I have called XXXX XXXX about not reporting end of month updates on the XXXX XXXX and XXXX XXXX XXXX which I own. 

I am filing for a Refinance and can not get the accurat e info on my XXXX report. 
I spoke to their Rep XXXX XXXX who called their Business office and they say they have no information showing updates for these cards from XXXX. 

I want it updated so I can get credit pulled and apply for a Refinance, due to this President XXXX up the Interest rates and causing major inflation.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I recently contacted ( XXXX, Transunion, XXXX ) to report that my personal information is inaccurate, there is over 15 different addresses, Variations of my Name I've Called over 3 times and even wrote each agency and they continue to report this inaccurate information,
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

My complaint is with the US Department of Education, XXXX and Mohela -- I have been actively working to qualify for XXXX since XX/XX/2022 ( after working full time for the XXXX for over XXXX XXXX ). I have qualified finally after loan consolidation with Mohela, verification of a valid employer ( XXXX XXXX XXXX XXXX XXXX XXXX and making over XXXX qualifying payments. My application for XXXX forgiveness now resides at the US Department of Education for final decision as of XX/XX/XXXX. Neither Mohela nor Federal Student Aid can verify the status of this decision and an agent at XXXX said that the division aXXXX XXXX XXXX does not accept incoming calls. XXXX stated that the process can take up to XXXX business days ( XXXX months ) -- this is unacceptable. I am an employee of both the XXXX  and XXXX and this is unacceptable customer service. Please remediate.
Consumer complaint received 2023-04-23
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX ) XXXX XXXX XXXX  # # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX ) XXXX XXXX XXXXXXXX - # 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 15 USC 1681 Section 602A states I have a right to privacy.

15 USC 1681 Section 602A states also state a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP (FL)

Ameris Bank XXXX XXXX XXXX, FL - Not accurately or correctly in a timely manner posting transactions or pending transactions. Sometimes to the point of causing undue or derelict account balances when debit card has not been used for days or weeks.
Consumer complaint received 2023-10-11
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. (LA)

Remove Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting inquiries on my consumer report illegally. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX  XXXX XXXX ( Finance ) XX/XX/2022 XXXX ( Miscellaneous ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022XXXX is reporting inquiries on my consumer report illegally.
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Please thoroughly validate all the information provided. This entails ensuring that each detail presented is accurate, complete, and in compliance with relevant laws and regulations. Validation encompasses verifying the authenticity of documents, confirming the accuracy of data entries, and ensuring that all information aligns with established standards and requirements.
Consumer complaint received 2023-07-20
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. (AZ)

On XX/XX/XXXX, I noticed my TransUnion ( TU ) credit score had dropped XXXX points. The reason was, " Account Removed. XXXX XXXX  account removed from your file. Between XXXX XXXX, XXXX and XX/XX/XXXX, your credit card account with XXXX XXXX was removed from your credit report. Closed accounts are usually removed from your report after XXXX years. Once they're removed, the account details will no longer affect your credit score. '' I have never had a XXXX XXXX. I called the number associated with XXXX XXXX  in XXXX, UT. They searched and said they could find nothing on me. I called TU and XXXX weeks later after countless hours on the phone, sitting on hold for hours, being hung up on or disconnected, RUDE employees, dealing with reps who can barely speak XXXX, reps you can't hear due to barking dogs and loud TVs, reps who put you back in the que rather than transfer you, hearing " your call is very important to us, due to unusually high call volume ... '' ad nauseam, much frustration and many tears shed ... I could go on and on... I am requesting your assistance. These people are impossible/difficult to deal with. They are flippant, argumentative, and condescending. On XXXX XXXX  in the Special Handling Dept investigated and said " The XXXX account does not belong to you & was already removed in XXXX It's a system error on TU 's side. '' He submitted a repair ticket to the maintenance team and said they had XXXX business days to get it corrected. The acct was opened on XX/XX/XXXX when I was in the hospital from XXXX thru XXXX. On XX/XX/XXXX, I received a copy of my credit report from TU. I know XXXX is not on my report. This is my entire point. I have spent HOURS trying to get this resolved & no one will help me. I was simply told " maintenance was completed on XX/XX/XXXX '' but they can not add the XXXX points back because it was probably XXXX of the XXXX factors that determine credit scores that lowered my score. XXXX only reports to TU ; none of my other scores were lowered. My credit score with XXXX is XXXX and my score with XXXX is XXXX ; TU dropped me from XXXX to XXXX. No matter how hard I tried to get this resolved, employees were dismissive and absolutely do not care. I think by seeing my credit scores, you will see I am very conscientious re : my finances and XXXXredit score.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/XXXX, AND XX/XX/XXXX ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.