davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
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: PNC Bank N.A. (MI)

My father became ill about XXXX years ago, and I started paying his bills. I was his power of attorney. He has since passed away. It has been over a year since he has passed. I became the successor of the Mortgage loan. Before he passed away, I noticed that they continue to place forced place insurance on his mortgage when he always had insurance. After he passed away, they continue to do the same to me. They have overcharged us for close to {$5000.00}. The last time that it was overcharged it was {$1900.00} of forced place insurance. I sent proof that I have insurance, and my insurance has never lapsed. I even had my XXXX XXXX representative call them and asked them to stop charging me. I am trying to get them to stop overcharging me. I know that it is going to happen again. They understand that I am almost done paying the mortgage loan off. I fear that they are trying to make me go into foreclosure, they know that I am a single parent and I have been left with my fathers debt and I had to put the mortgage in forbearance for several months. Now they are refusing to reimburse me the money that I was overcharged and they continue to put the check in my fathers name. Please help me because the money that I had to pay for the overage is the money that I have put to the side to pay the mortgage and they refuse to repay my money back.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

Three separate fraudulent charges were posted to my Wells Fargo account between XXXX. The amounts were {$99.00}, {$99.00} and {$99.00} from XXXX XXXX XXXX XXXX NM.. I called Wells Fargo on the XXXX while 2 of the charges were still pending and the first had been authorized and disputed all 3. I was told that it would be processed and I should hear back soon. Now all 3 charges are showing as approved on my account.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (TX)

My student loan is being reported by two different loan companies that are reflecting identical amounts. The amounts are causing the balance of my student loan debt to double, which has negatively impacted my credit score tremendously. I understand XXXX is the new company to report the debt, however Aidvantage is still showing debt amounts. I am pleading for XXXX to reflect the correct balance in my student loan debt. Please remove the duplicated amounts.
Consumer complaint received 2023-11-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

Synchrony bank is garnishing my wages for unpaid credit card of {$1500.00}. I have never had a synchrony bank credit card so I believe this is fraud. I called today on XX/XX/XXXX about why my paychecks are being garnished. The lady on the phone told me its for an unpaid credit card of {$1500.00}, I told the lady Ive never had a synchrony bank credit card, also told her Ive never had a credit card limit of over {$500.00} in my life before so I know this is not my credit card, but they are trying to make me pay. I just found out that theyve been garnishing my wages since XX/XX/XXXX and I had no recollection of them even doing that. Please help me resolve this matter I cant live off the f my checks now with this garnishments.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

a set-off was placed on my checking account for {$410.00} on XX/XX/2024 I only have XXXX checking account with Wells Fargo total balance with all accounts was XXXX they included my XXXX account which was opened when she was XXXX old and which should of been changed when she turned XXXX old she is now XXXX old I have no ownership or authorization to use her accounts regardless it should not of been included, and even though it was wrongly included the total balance between XXXX accounts was far less than XXXX
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

Student loan repayments began XX/XX/XXXX, and forbearance status was to disappear, giving me the option to do autopay repayments and receive a discounted interest rate and start payment back my loans. Called a week prior to this date to set this up. XXXX told me it would take 24-48 hours to process the status change, and I said, no problem. A week later, my log in at Aidvantage showed the same forbearance status and the standard 6 % interest rate, still. Called a second time and was told there was an Income Driven/SAVE plan in place/review and the initial request to make the loans current instead of forbearance could not process. So, the agent rectified the issue by processing my initial request a second time and told me it would take another 24 to 48 hours to process. Three weeks passed and still, Aidvantage online showed the same status/interest, and I was not allowed to sign up for XXXX and get the discounted rate. Payment status still showed no due payment until the forbearance was done in a few months. Again, I called, had the same conversation with another agent and was reassured that after they resubmitted my initial request a 3rd time, the correct status/rate would be reflected on my online account within 2 days. As of XX/XX/XXXX, more than 2 months after my initial request, my account still shows my loans are in forbearance, and XXXX is unavailable nor am I eligible for the discounted rate. Called a fourth time and, again, the agent confirmed my loan status as in forbearance with an Income Driven plan in place with no payments due until XX/XX/XXXX. XXXX went through the process a fourth time and assured me that my loans would get out of forbearance, show current payments due, be automatically enrolled in the XXXX, and I would receive the discounted interest rate.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. ()

In XXXX of this year, our team worked on the purchase of XXXX chips from the USA. 
We found a good offer for the products we are interested in, and so we contacted XXXX XXXX XXXX, who represents XXXX XXXX. 

After discussing all the details and agreeing on the terms of work, we concluded a standard contract and received from XXXX XXXX XXXX an invoice in the amount of XXXX US dollars with bank details- XXXX XXXX XXXX, PNC BANK, N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, United States Unfortunately, the transaction turned out to be fraudulent, and the ordered goods did not exist. 

After XXXX XXXX XXXX confirmed the cancellation of the transaction and promised to return the funds, no refund was made, the documents confirming the transfer of money were not attached, the recipient bank did not help us in this matter. The recipient bank was PNC BANK, N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, United States
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Wrote countless of letters disputing to Transunion and XXXX the following accounts accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX that were removed by Transunion that reappeared after a few years. Transunion refuses to delete the accounts. This is hurting my Credit score.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

These inaccuracies have a significant impact on my financial standing, particularly my chances of owning a home. I understand that errors can occur, and I have researched the dispute process and acknowledge the required investigation timeframe of thirty days. I am puzzled as to how your bureau verified these accounts while other bureaus have successfully removed them due to errors. Therefore, I request the immediate deletion of these accounts from my file. The following errors have been identified XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-05-24
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: Experian Information Solutions Inc. (WI)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-28
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. (WI)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (FL)

I understand that errors can occur, but these mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. The other bureaus have already honored my request to remove the late dates and negative status of this account. However, your bureau is the only one that has not updated my payment history. I request that the late payment markings be updated to reflect my accurate payment history. I have identified the following errors in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-03-10
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. (TX)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5500.00} WFDS XXXX Balance Owed : {$14000.00}
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have noticed that XXXX XXXX has reported a debt on my credit report that is older than the permissible time frame specified in FCRA Section 605 ( a ). According to my records, the debt in question exceeds the seven-year reporting limit for negative information. This outdated reporting is not in compliance with the FCRA requirements. 

XXXX XXXX is in violation of FCRA Section 602 Permissible Purposes Violation of FCRA Section 604 Written Instructions Violation of FCRA Section 605 ( a ) Reporting Outdated Debt Violation of FCRA Section 605 ( a ) Reporting Outdated Debt
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In Accordance with Fair Credit Reporting act XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX. 

After reviewing my report, I have identified the following errors : The previous address listed at XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX, XXXX, TX XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ).

The previous address listed at XXXX XXXX XXXX, XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

The previous address listed at XXXX XXXX, XXXX XXXX, LA XXXX in XX/XX/XXXX is not correct. Please delete it immediately from my report, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

In addition, I have identified two unauthorized credit inquiries : XXXX XXXX XXXX XXXX  - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

XXXXXXXX XXXX XXXX  - inquiry date : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately, as required under FCRA 611 ( a ) ( 2 ) ( A ). 

I kindly request that you investigate these errors and remove them from my credit report as soon as possible. I understand that it may take some time to correct these issues, but I would appreciate your prompt attention to this matter, as required under FCRA 611 ( a ) ( 1 ) ( A ). 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-16
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: Early Warning Services, LLC (LA)

I have important documents First off I want to say as being a XXXX in the military I have never had any problems at all with banks are my credit. This is my Life u guys and I know you all have jobs to do Im not questioning that. But I am have problems when a person disputes the non factual errors I never receive any help but I have fought XXXX XXXX XXXX for our country leaving my family, my kids, my wife with no hesitation. I ask you guys is it fair I am a victim of identity theft please correct this EARLY WARNING XXXX, XXXX and XXXX XXXX thank you.
Consumer complaint received 2023-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (CA)

In XXXX of XXXX I was contacted by mail by Phoenix financial regarding a debt of {$1700.00} for medical transport by XXXX XXXX XXXX at which time I directly contacted Phoenix financial by phone and they told me that the service was rendered in XXXX in XXXX XXXX California and was I was supposedly transported to XXXX XXXX XXXX  XXXX XXXX also in XXXX XXXX California as a result of a car accident and upper quadrant pain however not only have I never been to XXXX XXXX California but I've also never been in a car accident in XXXX explaining this to Phoenix financial I stated it apparently my identity had been stolen as my purse was stolen in XXXX with all my ID and everything in it Phoenix financial disregarded this so I attempted a dispute through XXXX credit which was also disregarded I made contact with XXXX XXXX XXXX XXXXXXXX XXXX where I was told they have no record of me ever being at the hospital ( included in the attached documents ). I did file I identity theft with the FTC as well as placing fraud alerts on my credit profile however the dispute was again disregarded.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681Section 604 A Section 2 : It also states a consumer shall not furnish any information about an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-28
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. (CT)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Wrote countless of letters disputing to Transunion and XXXX the following accounts accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that were removed by Transunion that reappeared after a few years. Transunion refuses to delete the accounts. This is hurting my Credit score.
Consumer complaint received 2023-12-08
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 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 2024-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 items ( A ). It is not permitted to report these items 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 correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX