davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I Filed a claim with Wells Fargo Bank approximately XX/XX/2023 and then they said it might take about a week to 10 days to resolve It They told me on XX/XX/2023 there was some suspicious fraudulent activity on my account. I told Wells Fargo that I had my wallet and my phone stolen and my PIN was in my wallet. They told me they would have it resolved in 10 days.about 7 days into the claim they wrote me an email stating that they would be working on it and they are working on it and they will get back to me and that I would receive a credit to my account while they are working on it. Then about 2 days later after that I received another letter and they told me that they were working on it still and that and that they would you know contact with the need anything again I did receive another letter and they noticed that on some of the transactions that my PIN was used and based on this they felt that either I or someone I knew did these transactions. And at this point they would be able to do nothing more and that the claim is now done nothing more to be done.So being as upset as I am I went to the internet to see if I could see if anyone else had gone through a claim with Wells Fargo and in fact they had and they had been given the same response as they had given to me that's was that Wells Fargo had told them the same thing that they were or someone that they knew was at fault.i then decided to get a hold of you and when I was reading the internet they had success when they got a hold of the consumer finance.gov and had a very good response in getting what they needed accomplished. At this point I decided to personally write to you myself and explain what I had gone through and I felt very good about what you do for the people when they have a problem and you're there to help them and resolve it and at this point I'm out approx {$3100.00}. XXXX and we all work hard for our money. Please help me resolve this issue as I feel you're organization>people respect and have a deep regard for. It appears that Wells Fargo really has a very narrow minded opinion about these claims brought before them. 


Thank you, XXXX XXXX
Consumer complaint received 2024-04-12
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)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2023-11-15
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. (CA)

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 these account are authorized user I did not authorize also account that where open fraudulently
Consumer complaint received 2023-12-15
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IL)

Reached out to Aspire loan company because interest rate has changed and yet repayment terms has changed again. I have made 14 years worth of payments however, only being credit for 10 years. Application and contract said 20 years or 220 payments. Lender told me they will not honor two years worth of payments because they were interest only payment. In writing or on the website does it say if you make less then the monthly payment your payment will not count towards your completion of your loan. I am seeking assistance with getting all payments even interest payment recalculated
Consumer complaint received 2021-03-07
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: GOLDMAN SACHS BANK USA (NY)

I have an account being reported that is not mine and the same account is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. How can it be verified when the bureaus are reporting different dates for the last activity and last payment?
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2023 I sent a letter to Experian requesting that all inaccurate information pertaining to names, addresses, phone numbers, date of births, social security numbers and all ( alleged ) employers be permanently deleted from my credit report.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. I ALSO NOTICED ON MY CREDIT REPORT THAT I AM A VICTIM OF FRAUD. As you know, all incorrect information MUST be IMMEDIATELY REMOVED from my credit report. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1681, 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information or release the invalidated debt information from my credit report. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file and on my consumer report at all times. Please delete the following inaccurate information from my credit file and my consumer report. I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp (OH)

The electric utility supplier XXXX XXXX wrongfully charged a {$50.00} cancellation fee. Sent it to collections without telling me, then end up getting collections harassing me for the {$50.00} that I don't owe. Collections company Credit Service International Corporation doesn't seem to care that the fee was reversed/cancelled and still asking me for the money. 

What makes it worse, is that the female individual that contacted me from Credit Service International Corp. is yelling at me like a criminal and basically under the assumption that I'm lying. That's messed up.
Consumer complaint received 2023-10-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have gave ALL parties 5 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I would pay the alleged debt, also ask for not just verified. This account have been removed twice and XXXX XXXX XXXX XXXX continue to furnish account without sending me communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account be deleted IMMEDIATELY!! Please see attachment XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

Shell Point used to be my servicer then my account was sent to XXXX then late back again to Shell Point. Shell Point said they received my account with a shortage but have no record of why their was a shortage. I asked them to prove the shortage and they said they can't because they can only go back so far. All they keep saying is that every thing is correct but they can't/ will not provide proof because they say the shortage was just given to them and they don't know where it came from and can not find out where it came from. 

I believe this is a trick the mortgage companies do when tossing around mortgages from one servicer to another. They pass the mortgage on with a debt or shortage which can never be proven. 

Even though my home owners insurance went way down, I still owe more based on some made up shortage that can't be proven. 

I have been tossed around from one servicing company to another about 10 times. 

All so that they can pull off tricks and not be regulated like a bank but somehow still controlled by a bank.
Consumer complaint received 2018-07-18
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. (IL)

Credit bureau in direct violation of 49 CFR 801.56, GRAMM - LEACH - BLILEY ACT and numerous consumer protection laws.
Consumer complaint received 2024-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-15
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: Atlanticus Services Corporation (MN)

I received an email stating a fortiva card had been activated. Since I had not recieved or activated a card I was skeptical. I checked my account and no pending purchases or other information was present. When charges appeared I froze the card, contacted fortiva and the police. I filed a police report and began the horrible experience with the fortiva fraud department. My claim was denied and they started they had sent notifications of spending which they did not. I sent the claims to escalation and they denied it a second time stating the card had been used in a simular fashion to past spending. I tried and tried to speak with a manager and was refused on many occasions. When I spoke of filing a complaint a manager finally spoke to me after what must have been atleast 10 calls to fortiva fraud department and numerous hours spent on hold over weeks. I was asked to then provide fortiva with the police report. I live in XXXX and the theft occurred in Louisiana. An arrest has been made and fortivas fraud department still won't honor the claim holding me responsible for XXXX dollars in charges. Apparently fortiva sent a new card in the mail without any notification prior and it was stolen from the mail. I never received the card. I am across the country from where the crime took place and fortiva now wants me to go to Louisiana to get the police report and refuses to let me speak to a manager. They lied about sending notifications asking if it was me or not using the card. I know it's a lie because they said I viewed notifications and I never got any to view. They are calling me a liar and holding me responsible when an arrest has been made. They are forcing me to be a mediator between police departments and fraud departments from across the country. They are trying everything they can to get out of honoring my claim and adding insult to injury with their customer service. This is a horrible credit card company. I have 6 other cards and never had a problem with any of them. They refuse to make this right and I've gone above and beyond to help and provide information. This stress is causing me health problems.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION (NC)

In XXXX, a 1099-A was filed with I.R.S. for this particular account. It was never credited to the account. As a result they are reporting an inaccurate amount that is owed on the account. Also, they are reporting that this account has a 90 days past due, which is inaccurate as well. I have since settled the account with a money order and a certified tender of payment.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (CA)

I tried to open an account with BMO Alto. I entered all of the data they requested, accurately. We never even got to the identity verification questions : once they had my SSN and my address and phone number, they sent me a verification code to my phone number, I entered it, we went on another couple of screens, and then they just told me that they were rejecting me, and that I would get an email with more information. 

They did send me an email. It had no more information. Just 'we are rejecting you ', no reason, no more information than that. 

I called their customer service line and they were unable to give me any more information, nor were they able to send me to a reconsideration line nor tell me any way in which I could find out what their reason was for rejecting me. I simply have been turned down for an account for an undisclosed reason. It could be because of some information they have about me which is incorrect, or because they don't like my name, or whatever. All I know is that they are denying me access to their product for an undisclosed reason which may or may not be illegally discriminatory or entirely incorrect. ( Since my credit score is generally between XXXX and XXXX, I always pay my bills on time, and I make well into the top 10 % of income in the US, I can't imagine that they have any GOOD reason for rejecting me. )
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated und

er 15U.S.C 1681 Section 602 A. Section I has the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reportin
g agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my ongoing efforts to resolve these issues directly with the credit bureaus, the inaccurate accounts persisted on my credit reports. This has been an incredibly XXXX experience.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (IL)

I had received {$11000.00} from my XXXX XXXX and they said the money was too much to be deposited in one month they need verification ID I did give my state XXXX card and ssn but they refused to give my balance money on the account thats why Im having you involved to get my funds out they have about XXXX on the account
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MD)

XXXX XXXX # XXXX SSN, inmate, XXXX offender in prison at XXXX XXXX XXXX in XXXX, use social media steal people, photos, steal money from me and his fiance XXXX XXXX in XXXX NC, threat me want more money, try attempt murder me If I dont send money them as blackmail. Police Department dont believe me tied to XXXX XXXX XXXX He is XXXX Crimes, State Prison Officers have him cellphone or tablet in prison. They are XXXX.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I contacted the CEO of Nelnet someone called me stating the loans were with the department of education. I callled the department of education and they said the loans were discharged out of their system. Its Nelnet thats violating the FCRA
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (OH)

The Department of Education and Nelnet has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

It has been more than a month the wired transfer internationally to the bank and has not released. 

The bank hold the money for more than 6 weeks and requested 4 documents to be signed and notarized.

After 6 weeks bank informed me that the money returned to the sender without providing any reason or form of verification document. 

No the sender has not received the returned wire and Wells Fargo does not provide me any letter or document so i can provide to the sender
Consumer complaint received 2023-12-15
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. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX 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 2023-04-20
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer to rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXXXXXX 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 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 have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 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.