davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (UT)

i have had issues with particularly Wells Fargo Bank because they closed my bank without me knowing the reason they did that was because there was too many claims on the account and it was closed permanently and i had to get a new account with a different bank. They financially hurt me really bad by having to look for a bank and handle finding a bank was very difficult finally i found a bank and now all my money is in that bank right now i just have one bank. Wells fargo handled my account unprofessionally and i just was upset how money was being missing and overfdraft fees were added on multiple times so i got that situated finally but that made my account neggative so im hoping to get compensated for all this turmoil wells fargo has caused me. Now that the case is closed in the federal court we can handle this professionally. Im hopoing to get atleast {$10000.00} or about that or around that in compensation for the frustration that Wells Fargo caused me and my business with them. I am XXXX  and this was not handled properly. Just wanted to let you know there is a fair shake claim still active some one needs to respond to that case number is XXXX just wanted to let you know whoever can respond to that would be greatly appreciated thanks or you can respond here it be better if you did both and respond here and the fairshake claim XXXX XXXX in escalations was handling the case earlier but stated it was in the federal court now its not its been closed since XX/XX/23 i just want some one to compensate me for all this trouble that wells fargo has caused so either way you gon na have to respond to to the fairshake claim with the cfpb thanks
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I was alerted in 2022 that my student loan servicer was being changed from XXXX XXXX to nelnet. I created a login/account and was able to successfully login. I didn't take any action at this time because payments were not scheduled to begin. 

Months in advance of the XXXX payment restart, I logged in and entered my banking information and set things up for auto-debit starting with the XXXX payment. A few days before XXXX I logged in and confirmed that this payment was scheduled to be auto-debited from my bank account. 

On Monday XXXX I logged in to see if there was any payment activity. I was surprised to see that my loans were shows as " past due '' and there were no pending payments. I checked my bank and there was no debit for the payment. I tried calling in to the support line and after hours on hold was unsuccessful in reaching anyone. 

On Tuesday XXXX I checked again and was still showing past due with no pending payments. I tried calling in again with XXXX success. So I went ahead and made a manual payment online. 

On Wednesday XXXX I checked online and still it showed no payments were pending. However, my Bank also processed the auto-debit in addition to my manual payment. Luckily I had enough in my checking account to cover both payments. It took another several business days for the payments to post to the account ( XXXX  XXXX ). 

The XXXX and XXXX payments pulled within XXXX business days of the XXXX, but again there was no activity in " pending payments '' and it showed as past due. 

The same thing happened this month. Showing past due, it shows I have no pending payments, and XXXX success trying to reach anybody at nelnet. This morning I see the payment has hit my bank account, but on nelnet I'm still showing past due and there aren't any payments pending. 

Based on my remaining loan balances, this is going to be a long-term relationship and I can not see a path where this is workable/ethical in the long-term. I know having a functional loan servicer is possible. XXXX XXXX was great. If I did have a question or issue I could EASILY get someone on the phone. It has been 4 months and there has been XXXX  movement on any of these issues. The functionality of the website appears to be from the early aughts. This is absolutely ridiculous. I am trying to do my part in repaying my loan and am struggling here.
Consumer complaint received 2023-10-30
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. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (WA)

XX/XX/23, XXXX Discord XX/XX/23, XXXX XXXX XXXX Both times I contacted fraud department and disputed. Received new debit card. These debit cards have both been compromised on XXXX side. The XX/XX/XXXX charge was for a card Ive never used. They are not reporting a breach but it is very much appearing as if they have XXXX. This is an ABLE account which is for XXXX people and we dont have another bank option or Id leave this bank. Theyve placed a warning on their site about fraudulent streaming charges on cards that havent even been activated. Whats the point of activating if the card is being stolen and used before its even activated.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CO)

I requested to view statements and was sent a secure link to access statements. 
When registering through that link there was an error and no one at the bank was able to to resolve the issue or submit a ticket to have it worked on. They did not even provide any troubleshooting steps. I doubt they even noted the account regarding this issue either.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (PA)

A company called Affirm is claiming that a loan account was opened on XX/XX/year> for {$450.00}. No such account was ever requested. Notices are being sent to email with no supporting information. Affirm claims they can not find the account, after multiple attempts. 
The fraudulent account is negatively impacting credit scores.
Consumer complaint received 2023-10-30
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (NY)

Complaint to Wise Payments Limited and XXXX XX/XX/23 I purchased a debit card from Wise and paid a fee of {$9.00} using my XXXX  credit card. XXXX charged additional transaction fee of {$10.00} for cash advancement and demanding interest payment for the amount. The product was not money order. It was a card that contains absolutely XXXX value. There was no indication extra fee at any process of the transaction. Both companies are refusing to refund or do anything about it. From a consumer stand point, this is confusing and not fair.
Consumer complaint received 2023-08-04
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd ()

XXXX XXXX XXXX XXXX ' wise account experienced an unforeseen freeze, rendering it incapable of making or receiving payments for two weeks. Following the resolution of this issue, my personal Wise account, which was directly associated with the management of XXXX finances, was abruptly shut down without a clear explanation or justification. 

Account Closure Date : XX/XX/XXXX Amount in Wise Account : {$4200.00} USD Role and Responsibilities : As the XXXX XXXX XXXX XXXX XXXX XXXX I had authorized access to manage payments on the company 's Wise account. 
Initial Contact with Wise : XX/XX/XXXX - Upon discovering the account closure, I immediately contacted Wise for clarification on the reason behind the closure. 
Communication Attempts : Despite multiple attempts via phone and email, Wise failed to provide a satisfactory explanation for the account closure. 
Refund Denial Email : XX/XX/XXXX - I received an email from Wise indicating the refusal to refund the funds held in my account without clear justification. 
Financial Impact : The closure has caused financial distress, affecting my ability to receive my salary and fulfill personal and professional financial obligations. 
Professional Consequences : The closure has disrupted my professional responsibilities at XXXX XXXX, leading to delayed payments to employees, freelancers, and partners. 
Emotional Stress : The lack of transparency and refusal to refund have caused significant emotional stress and uncertainty. 

My disagreement with Wise 's handling of this matter stems from the lack of transparency, the refusal to provide a clear explanation, and the unjust denial of a refund. 

I request your assistance in sending these comments to Wise and exploring legal avenues to address the financial and emotional distress caused by their actions. I am prepared to provide any additional information or documentation required to support my case. 

Thank you for your support in pursuing a fair resolution.
Consumer complaint received 2023-08-04
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: GATEWAY FIRST BANK (PA)

Earlier this year, Gateway Mortgage accepted and deposited my XXXX mortgage payment on XX/XX/XXXX ( XX/XX/XXXX ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

Gateway Mortgage has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/XXXX, XXXX XXXX, XXXX ). 

My payment was not 30 days overdue and my credit report has an error on it due to how Gateway Mortgage chooses to report. 

I can provide documents from my bank and from Gateway Mortgage which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with Gateway Mortgage and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

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.

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 2023-12-21
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. (TX)

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (AZ)

My Previous complaint XXXX AFNI XXXX has taken over collections for XXXX  XXXX this was the originally disputed back in XX/XX/XXXX, when I found the charge on my account. I had not received any correspondence from XXXX XXXX after CFPB response that XXXX XXXX was suppose to respond to me directly on verification of the debt. In review of my credit report. I see that AFNI has now become the new collection agency in pursuit of this debt. I did contact AFNI XX/XX/XXXX, and spoke with representatives XXXX and XXXX, initially they were pursuing the individual with a FL address. The person who opened account resided at XXXX XXXX XXXX, XXXX XXXX XXXX. I have never lived in GA or FL, nor have any relatives or known persons in that state. I was informed by AFNI to file an identify theft app directly with XXXX XXXX, I will do so. Also I informed XXXX and will be uploading the last report XXXX, and new report to XXXX directly upon completion, so they can be involved. I would like your assistance to put this matter to rest, as it is negatively impacting my credit report. I have not received any direct mail yet, since I gave my address to the representative XX/XX/XXXX, I am sure they will eventually send one.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX has not updated my account status from derogatory to settled/paid. 

XXXX XXXX has not updated my account status from derogatory to paid. 

XXXX XXXX has not updated my account status From derogatory to paid.

XXXX XXXX has not updated my account from derogatory to settled/paid. 

XXXX XXXX Has not updated my account from derogatory to settled/paid.
Consumer complaint received 2024-04-16
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)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Employer - XXXX  Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2023-04-29
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: Experian Information Solutions Inc. (GA)

I have sent numerous letters to the credit bureau and they continuously fail to make corrections to my file. Instead they use stall letters, and claim that a 3rd party sent the letter. They refuse to investigate and send proof of investigation to me even after more than 5 request in the past 12 months. 

Please refer back to the many letters I have sent in the past 12 months.
Consumer complaint received 2023-12-21
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 am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX - XXXX | Account : XXXX | {$200.00} XXXX | Account : XXXX | {$0.00} XXXX XXXX XXXX XXXX Account : XXXX | {$820.00} US DEPT . OF EDXXXX | Account : XXXX | {$0.00} US DEPT . OF EDXXXX | Account : XXXX | {$2400.00} US DEPT. OF EDXXXX | Account : XXXX | {$2100.00} US DEPT. OF EDXXXX | Account : XXXX | {$3900.00} XXXX DEPT. OF EDXXXX | Account : XXXX | {$1700.00} US DEPT. OF EDXXXX | Account : XXXX | {$4400.00} US DEPT. OF EDXXXX | Account : XXXX | {$4900.00} US DEPT. OF ED/XXXX  | Account : XXXX | {$7100.00} US DEPT. OF ED/XXXX  | Account : XXXX | {$3300.00}