davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

I was taken advantage of because I have a learning XXXX and a physical XXXX and now have to speak to this phone to write that someone has stolen and use my card to multiple place and I do not know who. Some people come to help me out sometimes to clean and to general help me out. I didnt never use this card and all of the charges are not mine this is the second time and Wells Fargo is discriminating against me because of my learning XXXX and XXXX by refuse to help me. Please just help me. Im tired of people taken advantage of me. I didnt never authorize nobody too. My authorize user didnt never not use no card because I didnt even give it to he.
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc. (VA)

Mr Cooper took over as my mortgage company and ever since I get many phone calls a week as well as emails about refinancing. In the beginning I kept telling them I am not interested and to stop calling me which they didn't do. Finely I figured if I let them go through their pitch they would leave me alone, but that has not happened. Time and time I have told them I do not want to refinance because all its going to do is raise my interest rate. This company does no more than try to pester and pressure its customers into refinancing wither they are interested or not. Don't know if it has anything to do with my trying to dodge them but within the last two years my Payment has jumped up over XXXX more than I was originally paying. Not over taxes but over insurance at which I believe my house is grossly over appraised and the insurance company says they can not lower the value from what the mortgage company says. Is this company trying to pull something to make me have to refinance at their rates? I don't know but I'm getting tired of feeling pressured.
Consumer complaint received 2022-09-09
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. (MO)

I am disappointed by the action taken by the Credit Reporting Agencies and chose to not delete all the disputed fraudulent items from my Credit Report. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information that resulted due to identity theft. I previously asked the Credit Bureaus for them to provide me copies of proof of verification but until now, the Credit Bureaus have sent me nothing. If the Credit Bureaus can not prove that the disputed items belong under my name, I need the Disputed fraudulent accounts to be deleted as soon as possible. I am submitting this CFPB complaint as a reminder to the Credit Bureaus that a consumer is trying to correct his Credit File from the negligence and indifference of the Credit Reporting Agencies. Under the FCRA section 605b, I need the following items be completely deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-21
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. (CT)

I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (WA)

When applying for a credit card backed by Comenity Bank, they sent me a letter requesting that I send them a copy of my Driver 's License, Social Security Card, and W-2 or 1099 form to prove my identity and finish processing my application. I did not provide this information because I was concerned it would expose me to identity theft.
Consumer complaint received 2023-09-24
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. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-02-20
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: HW Holding, Inc (SC)

XXXX XXXX  reporting a balance of {$440.00} owed to XXXX XXXX that I do not owe. This is a violation of rights under FCRA law 15 U.S.C. code 1681
Consumer complaint received 2023-01-04
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. (GA)

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.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I have disputed the furnishing of negative information with this account several times and every time it comes back " verified '' on my report. I have requested for a full audit tracking of this particular account as to see how and why you feel allowed to furnish incorrect, unauthorized and invalid information on my report illegally. Also what gives you the right to sell personal information for profit? Furthermore this account is charged off with you company sending me a letter informing me of such, which means ANY contract we may have had is no longer valid, any rights, consent or permissible purpoes to furnish, disburse or collect ANY information regarding this account has been revoked and recinded. This is causing my reputation and credit report to suffer due to this inccorent unauthorized furnishing on my pubic record
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP (FL)

US BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX I n

oticed an inquiry on my credit report from the above company. According to the FCRA this item should have been removed permanently. 15 U.S.C Code 1681 i ( 7 ) states there should have been an explained reinvestigation involving the hard inquiry and I have not received anything.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Consumer complaint received 2020-03-30
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. (TX)

remove the FTC violations attached are the violations att : XXXX XXXX XXXX to Pay {$60.00} XXXX to Resolve FTC Allegations It Misled Consumers with Unlimited Data Promises
Consumer complaint received 2024-06-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

I've had the same issue with Nelnet on two occasions. I applied for the SAVE IDR plan through the federal student aid website on XX/XX/XXXX, and Nelnet put my account on Administrative Forbearance, leading to interest accruing on my account despite it being on Administrative Forbearance. The SAVE plan was approved on XX/XX/XXXX, but it was effective from XX/XX/XXXX. During this time, my interest grew to over {$400.00}, and even though the SAVE plan was active, the accrued interest was never removed.

I contacted Nelnet in XXXX and XX/XX/XXXX about this issue but got no result. 

On XX/XX/XXXX, I consolidated all my loans into one, causing the accrued interest to merge with the principal amount. I reapplied for the SAVE plan, got approved, and it is set to be effective from XX/XX/XXXX. However, during this time, my account is still on Administrative Forbearance, and I'm getting daily interest charged, causing the interest amount to grow day by day. I'm concerned that this will continue until XX/XX/XXXX. 


There is an announcement stating that borrowers should not accrue interest during Administrative Forbearance. Nelnet failed to comply with this on two occasions on my account.
Consumer complaint received 2023-10-09
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. (NJ)

On XX/XX/XXXX I sent a dispute that several items on my Experian credit report were incorrect concerning XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX and XXXX 's response, the identical form letter occur the month prior when I tried to tell them they were reporting incorrect information against federal law, was to say they don't think I sent the letter ( based on zero evidence ) and they are simply going to ignore my request to investigate ( because this allows them to stall and dodge a rightful complaint from a consumer ). I guess having all the information regarding my accounts and my signature and address is not enough for them to act properly, so instead of researching the disputed matter like they are supposed to do, Experian simply made believe I never sent the letter disputing the errors and they do nothing to protect the rights I am entitled to.
Consumer complaint received 2023-10-10
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. (TX)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Consumer complaint received 2020-03-30
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. (FL)

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those accounts are not belong to me or any transactions made by me. 
Please remove as soon as possible.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (WA)

Complaint regarding Wells Fargo. We DO NOT have an active relationship with this bank. On XX/XX/year> I received an email stating, Your Wells Fargo credit card has shipped. They further stated it should arrive within XXXX days. 

Today, XX/XX/year>, we received a signature card for myself and my husband with a stated credit limit of {$20000.00}. 

We DID NOT request a card. Again, we DO NOT have a relationship with this bank. 

This appears to be the same bad behavior this bank was doing by opening accounts that people did not ask for and without their knowledge or authorization.
Consumer complaint received 2023-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Experian, XXXX and XXXX Credit Bureau is reporting inaccurate information on the following accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report Equifax is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company 4 days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting Equifax to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. Equifax has 15 days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If Equifax does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. Equifax Commision file # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX I will be filing form 211 treasury omb from to audit consumer or my account. Equifax is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer Report.
Consumer complaint received 2024-04-04
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected.XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX  XX/XX/year>
Consumer complaint received 2020-03-30
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. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX