davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I am conservator of XXXX XXXX estate per the signedloan dated XX/XX/02, I am also trustee to her accounts far before Wells Fargo Wealth Managment and wells Fargo removed a total of XXXX and XXXX disappeared and they will not give me access to these accounts because they are guilty of imbessaling XXXX from a XXXX woman who could not read statements but relied on wells Fargo wealth management to do just that manage he ; f ; wealth without stealing half of i. There are so many accounts one printout shows 14 accounts and 10 active Brokerage, Buisness, 4 open PMA accounts, high yield savings, annuitys, life insurance policy, the trust had XXXX and came back to us at XXXX want forensic acco ; it's. Why would a bank have 11 open accounts for a woman who has lots of money and XXXX. Perfect victim, every notice on the back of statement stating if you don't notice what we stole in 30 days then we assume your ok with it do not apply to the XXXX.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CA)

They said that some of the loans got forgiven, but the other loans missed the forgiveness because they got Commercially consolidated. Now that, that's happened the loan servicer has no information of my discharge, so they are coming after me for money back that should of been forgiven. I still have the email they sent me.
Consumer complaint received 2024-04-17
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. (LA)

Recently, I did an investigation on my credit and found several items on there to be inaccurate. 

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 the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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. 

Please remove the following items from my credit report, immediately : 1XXXX XXXX - late payment 2XXXX XXXX- charge off
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

I gave a payment in the form of a XXXX check to an employee that ultimately was fired the same day. I didnt know the check was never applied until account was closed. When I called and came to the branch no one said employee was fired. XXXX finally said the employee XXXX XXXX was no longer there and that she would contact the credit department to reevaluate the decision to close based on non payment. She never got back to me. Now Im finding out first citizens is closing most accounts associated with this location
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2021 went to Bank of America ATM machine to make a payment put {$400.00} in the machine the machine sent back a printed statement saying they were unable to process and can not return my items which is {$400.00} I called the number they gave me they assured me it would be taken care of insideThe girl told me it happens to her its frustrating but they will take care of it immediately its almost 2 months now nothing I keep paying interest on this {$400.00} I went to the bank and ask them to take care of it they said they have nothing to do with the credit cards but yet the credit card says Bank of America on it my statements come from Bank of America and they refused to do anything
Consumer complaint received 2023-03-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Asset Management, Inc. (CA)

XX/XX/XXXX  Check City agreed to waive the underlying balance on the Account, close the account, and not pursue collection of the Account. Moreover, Check City agreed to request the deletion of any tradelines for the Account reported to any credit reporting agency. 

XX/XX/XXXX Check City called in regards to the same debt collection after they agreed to no longer contact me about matter that has been resolved. 

XXXX/XXXX/XXXX  Check City called again harrassing me in regards to same debt, attempting to collect, after I repeatedly told them to stop calling. Check City violated terms of agreement.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

Spoke with XXXX XXXX XXXXXXXX, who confirms that there is no fraud on my account, only unemployment and unemployment have the account in closing status due to inactive activity, with {$1.00} in the account. XXXX XXXX XXXXXXXX is flagged on my Chex Systems account, marked as fraud which is incorrect. This is a violation of my privacy and defamation of character that caused me to be denied a banking account with XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to dispute the fraudulent information on my the credit report. This information is damaging my creditworthiness and giving me stress. I reached out to my local police department about this and they said I should file a complaint to Federal Trade Commission or FTC. I know this will help me to remove the fraudulent information from my records and will justify my claim as an identity theft victim. As soon as I submitted the required FTC and contacted the company, they said they will remove the account from their record. 

Also, the account is no longer reporting on both XXXX and XXXX. So my mind questions if what kind of verification process you do to continue reporting this fraudulent account? Please DELETE this account ASAP : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX incorrectly reported a XXXX dya late payment on my credit report. I have made several payments within the 30 day gace period permitted after the due date, I asked for a full payment history of my account and never received it. Upon making the payment within the 30 day frace period i was told by the customer representative that I was within the 30 day grace period. Therfefore there would be no delinquent reporting in XX/XX/2023.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (RI)

In accordance with the FCRA this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-17
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-09-01
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} LXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2023-11-20
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. (FL)

I am writing you this letter regarding payments that were marked late by your company for XXXX XXXX XXXX Account # XXXX in XXXX and XX/XX/2022, XXXX/DOFED Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (IL)

The Amazon Rewards Visa card through Chase allows for redeeming points in a number of ways, including cash back. This can be either as a statement credit or transfer to a bank account. When selecting a bank account, the screen warns that the bank information will be used only for this single transaction and to store the information permanently to reuse, go to Profile and Settings. However, nothing under Profile and Settings allows for that and there is no apparent information about a different way to do it. When I contacted Chase, I got mostly confusion and no resolution. By the way, part of the reply, such as it was, has been voice mail supposedly from Chase ( seemingly really from Chase ) asking me to call the person back at a number given. This is, of course, an awful practice because it lends legitimacy to scam calls but I called back once, anyway, got voice mail, left a message, and did not hear back.

It may be slightly cynical but I suspect Chase and/or Amazon may be intentionally creating some friction in getting cash back to a bank account in order to steer customers to redemption options that are cheaper to those companies in some way.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. 

XXXX XXXX Account number ending XXXX Open date XX/XX/2022 XXXX XXXX XXXX Open date XX/XX/2022 Balance {$4000.00}
Consumer complaint received 2023-05-09
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. (GA)

My attempts to contest some issues on my report have been unsuccessful. I'm asking you to check into this situation because the FCRA mandates that you do so. I shall be forced to think about legal action if you don't abide by the FCRA 's requirements. The accounts are listed below : XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Balance : {$120000.00}, XXXX XXXX XXXX Balance {$0.00}
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. (PA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-12-16
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. (CA)

XXXX XXXX is in violation of multiple laws set forth by XXXXongress in regard to two ( 2 ) following account # 1575. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { { {$23000.00} } } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with nonaffiliates. XXXX, Equifax, and XXXX not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (TX)

I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act 1974. 
No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2016-03-03
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: P&B Capital Group, LLC (NY)

I spoke with a collection company called XXXX XXXX XXXX XXXX XXXX XXXX in regards to an old account that was under my ex wife, we came to a settlement to avoid damage on my credit, My credit card company blocked transaction as fraud charge. 
Collection company called me yesterday during works hours i asked to please call me after work which they do not did. Today after the first phone call during work hours i told Capital group to call me at better time a representive from this company started threated me bad with abusive language saying that im hiding to not paid this charges that im a fraud person, saying that i better take care this balance, i ended up hangup the phone. 
He decided to call me at least 10 times after i was clear that i cant talk during work hours. 
This could cost my job and i dont feel comfortable with a company like this having my private information and constantly harrasement over the phone.
Consumer complaint received 2023-03-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (TX)

I had asked to have my auto ach stopped and was told i had to call the company. I called the company then was told it was too late to stop and i had to call back after the next payment posted. I called back but when you choose the option to speak about the account it always says 2 minute hold time then in two minutes a recording tells you that you will be called back. I finally got an email reply to a request i made saying i no longer authorize them to debit my account and they again replied and said i had to speak to a XXXX XXXX agent before my request would be honored.
Consumer complaint received 2023-05-09
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. (SC)

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct the accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (MD)

In XXXX, I went to an event to help get a loan modification from ASC/Wells Fargo XXXX The loan counselor stated my chances for a modification looked excellent since I was actually getting paid more money and had a more stable job. The modification failed and she wasn't sure why. This resulted in me going into foreclosure and I had to do a short sale. I just received a check from Wells Fargo for {XXXX} however, since my lack of modification with out any reason why resulted in a foreclosure/short sale I have seen information that others with this result have gotten paid out over $ XXXX. I wanted to inquire as to what the {$200.00} is for. The statement with the check only states that when the loan was being considered for loan assistance options, there may have been an error. It doesn't actually say what the payout was for. I believe my payout should have been more than {$200.00} since it resulted in foreclosure, selling my home and finding a place to rent. My salary has only increased since applying for a modification which I would have been able to pay the mortgage, have a better credit standing and selling my home if I so desired at a much higher value. By proceeding the only way to cover less loses, I suffered financially and emotionally.