davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (WV)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
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: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute XXXX governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. I did not have {$100.00} because I only had what was left for me to pay the lender. The car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.
Consumer complaint received 2023-10-10
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: EQUIFAX, INC. (MS)

This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2024 Transunion, XXXX, and XXXX are reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the U.S. BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA . Which is false.

I have attached a letter from the U.S. BANKRUPTCY COURT NORTHERN DISTRICT OF GEORGIA. Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
Transunion, XXXX, and XXXX are falsely stating this information on my credit report and have yet to remove it from my credit report. 

I contacted the court, and their response is enclosed. 
It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX is reporting duplicate accounts for XXXX XXXX which dropped my credit score by XXXX points on XX/XX/XXXX. 

XXXX XXXX XXXX are held accountable for reporting inaccurate information that has negatively affected my credit score drastically. 

XXXX is allowing XXXX XXXX to report the same debt with the exact company twice on my credit report. The account has been reporting in my credit report since XXXX. 

XXXX has listed the account as newly opened. This type of behavior is unacceptable. This misconduct has caused loss of credit opportunities. 

Thank you
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

It's a Citicard credit card. I paid the entire balance off and closed the account. The closed account had {$16.00} in residual interest posted to it without my knowledge. I had paperless billing and the account showed closed on my Citi app and my auto -pay was XXXX. The closed account posted about {$50.00} in fees and late charges. I paid the residual interest but when I contacted Citibank about removing the fees and interest I was told " This is how credit cards work, nothing we can do. ''
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

They are applying payments to only one loan on my account, yet charging me twice a month as if they are going to apply payments to both. My account says past due, and it is NOT. They deduct two amounts from my bank account every month {$50.00} and {$220.00} ; they need to apply the {$50.00} payments to the correct loan. 

Also- they are debiting my account the wrong amount for the payments, or they are sending my incorrect documents. I am on auto debit, and I want this to STOP, and I want my interest earned reverted back to XXXX - per the XXXX XXXX. 

On XX/XX/XXXX this company emailed me that I had a {$0.00} dollar payment due on XXXX 

They took {$220.00} from my account, payment finalized on XX/XX/XXXX ; this is clearly not {$0.00}. 

On XX/XX/XXXX this company emailed me that I had a {$0.00} dollar payment due on XX/XX/XXXX. 

They took {$220.00} from my account, payment finalized on XX/XX/XXXX ; this is clearly not {$0.00}. 

On XX/XX/XXXX this company emailed me that I had a {$180.00} dollar payment due on XX/XX/XXXX. 

They took {$220.00} from my account, payment is pending and this is clearly not {$180.00}. 

If I was not on auto debit, I would be paying the wrong amount and/or past due by 3 months. I have no way to trust that the amount they are debiting my account is accurate and being applied properly, it clearly is not being applied properly for the {$50.00} payment.
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX I received a letter of apology and a cheque for {$4200.00} for wrongful repossession on XXXX XXXX, XXXX of my XXXX XXXX XXXX. This happened even though I made a payment arrangement that expired XXXX XXXX, XXXX. XXXX XXXX, XXXX I called the loan provider to explain to them that a portion of the money {$310.00} of the {$2300.00} I owed was taken by the bank. I reassured them that if they took what I had at the moment getting the rest won't be an issue. The lender refused to take anything less then the full amount I owed. When I woke up the next morning my vehicle was gone. Florida statute XXXX governs the repossession of vehicles and the lender nor the recovery company abided by this law. They did not give me the opportunity to retrieve my belongings. In fact, XXXX XXXX XXXX XXXX attempted to charge me {$100.00} to retrieve my personal property : cell phone, pictures of my deceased mother, and a gaming laptop amidst other things. I did not have {$100.00} because I only had what was left for me to pay the lender. The car was sold in less than 30 days after repossession. Despite the car being in excellent shape the lender sold it for less then it was worth. Then turned around and demanded I pay the remaining balance of my car loan even threatening me with litigation. This is a trend with wells fargo where they repossess the vehicle, sell it, and force the borrower to pay the remaining balance. This method triples the amount of profits for the lender but extorts the borrower.
Consumer complaint received 2023-05-22
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: WELLS FARGO & COMPANY (TX)

Have disputes these invalid and incorrect Hard inquiries from my credit report and there a still showing present in my current report. 
I have spoken to those company and they don't have my information on record. I have also already disputed this information as it was a show in vaild with two on the credit bureau agency. Im am having to resubmit this form as i am currently having a problem with getting these inaccuracies removed Date : XX/XX/2022 Company : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AR XXXX Date : XXXX XXXX Company : XXXX XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Date XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Company : WELLS FARGO DEALER SERVICES XXXX : XX/XX/2022 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NY)

I never opened an account with Chase. And I receive letters from jp Morgan chase bank said I own they XXXX dollars. So I check my XXXX XXXX, it shows I have XXXX chlosed accounts with the company but I never apply for it
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. BANCORP (FL)

Subject : Request for Assistance with Car Payment Due to Total Loss Loan Account Number : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention the current financial difficulties I am facing in making my car payment. I kindly request your understanding and assistance during this challenging time. 

On XX/XX/2023, my vehicle, financed through US Bank, was involved in a significant accident resulting in a total loss ( flooded ). I have since filed a claim with my insurance company, and they are currently evaluating the extent of the damage to determine the fair cash value of the vehicle. 

While the insurance company is actively working on my claim, I find myself in a situation where I am unable to make my car payment as scheduled. The financial burden caused by the loss of my vehicle and the associated expenses has temporarily strained my budget. 

I understand the importance of meeting my financial obligations and maintaining a good payment history. However, the circumstances surrounding the accident have placed me in a position where I am unable to fulfill my payment responsibility until the insurance company settles the claim and provides the cash value of the vehicle. 

I kindly request your cooperation and support in extending some flexibility with regards to my car payment. I am committed to resolving this situation as soon as the insurance company makes the payment, and I am back on track financially. I assure you that I will work diligently to bring my payments up to date promptly. 

I value my relationship with US Bank and the trust you have placed in me as a responsible borrower. I have always maintained a good payment record, and I believe this situation is an unfortunate and temporary setback that I am working diligently to overcome. 

If there are any alternative payment arrangements or solutions that XXXX Bank can provide during this difficult period, I would greatly appreciate your consideration. Any assistance you can offer will not only alleviate the immediate financial burden but also ensure that I continue to fulfill my financial obligations to US Bank in the long term. 

I would be grateful for the opportunity to discuss this matter further or provide any additional information or documentation required to process my request. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. I am available at your convenience to address any concerns or answer any questions you may have. 

Thank you for your understanding, support, and consideration in this matter. I have confidence in US Bank 's commitment to customer service and trust that you will take my current circumstances into account while considering my request. I look forward to a positive resolution that allows me to maintain my financial responsibilities and continue my positive relationship with US Bank. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-11-16
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: ALLY FINANCIAL INC. (SC)

The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Consumer complaint received 2018-12-21
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. (OH)

I have sent seperate 2 certified letters of demand to all three credit reporting agency asking to provide me with validation that the charge off accounts that they are reporting does belong to me. Upon receiving my first certified letters requesting validation, all three agency responded back saying that they have validated the debt as belonging to me, but they never provided me with proof of their validation. I then sent out a second set of certified letters, again to all three reporting agencies asking for proof of validation. Again, i was only told that the debt was validated as belonging to me. Again, no proof was provided. I asked for signed contracts, but they are unable to provide me with any proof. The charge off account still remains on 3 reports. 

The accounts that I need validation for are as follow : XXXX The XXXX XXXX XXXX XXXX  XXXX Provided are the delivery confirmation for the certified letters that was sent to the reporting agencies : XXXX  : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) Transunion : XXXX XXXX XXXX XXXX XXXX ( sent XX/XX/18 ) XXXX XXXX XXXX XXXX XXXX ( sen6 XX/XX/18 ) I would like these account DELETED from my report or the debt validated as mine and proof sent to me
Consumer complaint received 2024-01-22
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/XXXX I made a purchase at XXXX XXXX XXXX for a total of {$1300.00}. I signed up for their XXXX XXXX through Comenity Capital Bank, which had a promotional offer. The cashier charged the XXXX {$1000.00}, but forgot to include the discount from the promotional offer so he cancelled the transaction. He Then attempted to charge the XXXX again for {$1000.00}, but the card was declined due to being over the temporary limit as the previous charge had gone through, even though he cancelled the transaction. On the third attempt, the cashier had me pay with my debit card first. With the discount, the total came down to {$1300.00}. The cashier had me pay {$300.00} with the debit card. The remaining balance of {$990.00} was charged to the XXXX which was declined due to fraud because of how quickly they attempted to run three charges. I paid the reminder with that same debit card. When I received the first statement, I called Comenity to dispute the charge. They asked that I speak with XXXX XXXX to try to settle the matter. I spoke with them on XX/XX/XXXX and they provided receipts showing the 2 cancelled transactions and the 1 successful transaction. I e-mailed this via Comenity 's contact information online as I was unable to create an account during the dispute. I received a letter stating I needed to provide proof in XXXX, which I had already sent. I received a letter in XXXX saying that my complaint was closed. I received a statement in XXXX, where I was told I could send the proof via secure message online or send a letter with all my information to them. I sent a secure message on XX/XX/XXXX with proof. On XX/XX/XXXX, they stated they were looking into the matter. I hadn't received any information by XXXX, so I e-mailed them via secure message on XX/XX/XXXX. On XX/XX/XXXX, they responded that I should call them to speak with their customer care team. The customer care team was an automated payment service.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NC)

I was offering tennis lessons and was sent a fraudulent check from a scammer claiming to to want to take lessons for his kids. He then sent me a fake check of XXXX digitally through email which I deposited to my Wells Fargo Debit account. He then said he needed to send money to his driver to take his kids to the tennis lessons. I then sent XXXX to the driver to supposedly pay for the tennis lessons. After a few days the money from the original check was withdrawn by Wells Fargo and I was left with a loss of XXXX. I called Wells Fargo and they said that they are not responsible for depositing fake money into my account. Even if I ended up sending money it was because they deposited fake money into my account.