davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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. (TX)

I have no knowledge of any of the accounts I am disputing, they are not mines. None of the accounts have been validated, or verified. I wasn't given the IRS 1099 C Debt Cancellation Forms, or any purchase agreements that are supposed to be provided by the collection agencies or debt collectors. Also from my understanding and research according to the Fair Credit Reporting Act these creditors have violated my rights Under 15 U.S.C. 1681b - permissible purpose of consumer reports, THE LAW CLEARY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Ive never provided written instructions to furnish any of these accounts on my consumer report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any -- ( i ) report contacting information solely as to transactions or experiences between the consumer and the person making the report ; This means any information that includes transaction history, late payments, balances, etc are not to be reported. Also 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On or about XX/XX/XXXX this account was settled with the creditor. The account has been reported to the CRAs for the last two months and the company is aware of the settlement to correct this account and have mentioned that it is settled in correspondence with me. They have also quoted FRCA regulations for their reporting. My issue is that while quoting the FRCA regulations, they are reporting the balance as well as are reporting monthly on a settled account. If the company is going to claim the regulations, then they should actually be following those regulations.
Consumer complaint received 2023-09-22
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)

We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

This is the third time they sent me this letter. Experian continues to ignore my letters.
Consumer complaint received 2023-08-30
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. (MT)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. Please remove this account immediately.
Consumer complaint received 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

It was made to seem like my income drive recertification application would have to be submitted prior to student loan repayments resuming in XXXX. My initial recertification deadline was XX/XX/2024 on the REPAYE plan. So I submitted an application for the SAVE plan. Then I see on the account that a new payment amount has been applied and the next recertification is XX/XX/2024. However, I then receive information from MOHELA that if my initial recertification was within 6 months of the forbearance ending then it would be pushed out further. Basically, it was not necessary for me to recertify my income and my payment to go up. I then requested that they cancel my recertification application/reverse given this misinformation but they say they can't not do it. I would like them to nullify my recertification application and go back to my old payment of $ XXXX. Also, they stated over the phone that my recertification had been pushed to XX/XX/2024 and not XX/XX/2024 ( so they're telling me different things ). Either way I didn't need to recertify and I would like them to nullify the application.
Consumer complaint received 2023-08-30
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. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (IN)

I open a U.S Bank account and made a deposit back in 2020. My name was ran and the account was open. A week later I was inform I had a bad account on my XXXX XXXX  report, so m account was closed and all monies was refunded. This was not my fault it was the bank inaccuracies of checking their system when opening the account up. I request that they fix this issue and indicate that this account is in good standing. There is no balance owed at all. I request that U, S Bank resolved and fix the issue so that I can open up a bank account. Please have them removed an negative rating which has affected my chances to open up a checking account.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CT)

Comenity bank sent me a " Prescreen application error '' letter in the mail. i have never applied for a XXXXXXXX XXXX XXXX 

Someone is trying to apply for credit cards in my name without my knowledge.
Consumer complaint received 2023-08-30
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Note : This is my 4th Complaint with the CFPB about the same issue with Experian and I have Disputed this Negative XXXX XXXX account # XXXX Eight times. In my last dispute with the CFPB XX/XX/18 Experian emitted they Did Not do a proper investigation on the item I disputed. Experian have use they XXXX XXXX which is unacceptable according to the FCRA. I Am Demanding a Copy of the Original Signed Contract and a Proper and Internal Investigation get done. If Experian would have did a Proper Investigation this would Not be on my Credit Report. I Have submitted a complaint with the attorney general also! Please remove this Negative account thanks
Consumer complaint received 2024-03-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024 I transferred {$15000.00} to a business to purchase a territory and be able to install a coating that gets applied to vehicles. After receiving this coating it did not do what the company told me it would do. they claimed it could be applied and it would " level out '' and it doesn't it looks very chunky and the applicator lines can be seen all over the vehicle. I asked to get out and they got upset and told me that it's my fault and that I was going to receive a cancelation form and that I couldn't get my money back. I completely got scammed. I have pictures, evidence and even testimonials of people who have received this coating by other shops and claim every I say to be true.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

I had a wellsfargo business account and I reported on XXXX that an ex XXXX of mine made a threat to steal my account. They noted the account with his name and my issue, placed a hard freeze on the account. The XXXX branch then the very next day GAVE THIS MAN MY ENTIRE BUSINESS ACCOUNT!!! Took my name off of it and gave it away within 1 day! Ive called and they refuse to talk to me saying Im not on the account. This man was NEVER ON MY ACCOUNT, nor was he a signatory on this account EVER! Hes since used my own financial documents to try and file a criminal case against me and has shut my business down. Ive lost ALOT of money from being closed down based upon the fact he placed an injunction stating that has been his business account. Had they never gave him access to MY ACCOUNT, and protected me, this man wouldnt have used my own documents against me claiming he owns said business! I warned them, they ignored me and protected me NONE!!! This will be a law suit unfortunately Im so upset!!
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have 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
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MI)

This company continues to report false information regarding the status of my credit line with them. My payments with them are due on the 4th of every month for a total of {$340.00}. 

The XXXX payment due on XX/XX/XXXX was made on XX/XX/XXXX. Yet not only was it reported 30 days late with 10 business days left in the cycle, but they also then added the next month 's payment to it and reported the total due for XXXX as {$770.00}. How can you make next months payment due before the current month has even passed? 

Payments made in XXXX : {$380.00} - {$36.00} more than the payment due {$31.00} as a payment to cover late fees, which if I am correct arent even supposed to be reported. 

XX/XX/XXXX payment was made on XX/XX/XXXX for {$340.00} again before the end of the 30-day reportable period and for more than the balance due. 

At this point, it seems the only thing this company will understand is punitive damages as they appear to have no fear of action by the Consumer Financial Protection Bureau ''. 

This relates to previous reports filed with your agency XXXX Wells Fargo XXXX- XXXX
Consumer complaint received 2024-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: TFS FINANCIAL CORPORATION (NJ)

Hello, on XX/XX/XXXX in the morning I called Third Federal Bank. I inquired why I was receiving monthly statements when I knew in fact I have no existing home equity loan with them. I spoke to XXXX and she said I had an open home equity line of credit that was incurring annual fees dating back to 2019. I advised her I vaguely remembering opening the home equity loan in 2019 but soon after opening the account I called the bank and advised them I was returning the entire funds/check back to them and to close out the account. The bank agreed to take back the check which they acknowledged but never acknowledged my request to close the account which I did over the phone. They claim I owe them {$260.00} since 2019. XXXX went on to say my account was flagged with red flags. Yet no one has called or sent me a letter from the bank about my account in red flag status since 2019. 

I asked to speak to a supervisor. XXXX called me later in the afternoon. All she kept saying was they will close the account when I pay them {$260.00}. I said I called in 2019 to return the proceeds check which they agreed to take back and to close the account. I have had no contact with this bank since 2019. I find it interesting Im a red flag account but no one has reached out via phone or letter about it. I still live at the same address and same cell phone. This is deceptive business practices from the bank on collecting on fees dating back to 2019. Im not even aware of. This woman was rather rude on the phone and not willing to address my concern that the account has been closed. Im also contacting NJ Dept of Banking and NJ Attorney Generals Office as well as XXXX XXXX XXXX.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I understand that you are requesting the removal of a late payment from your account, as you have never been late and have been working hard to make your payments on time. In order to assist you with this, please provide me with the necessary documents so that I can further investigate the issue and assist you with disputing the late payment with the credit bureau.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (IL)

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Illinois ssn XXXX has committed countless acts of fraud toward J.P. Morgan chase bank including but not limited to synthetic Id theft by creating synthetic identitys XXXX XXXX who does not exist and having that synthetic ID piggy back off of her to build a score and defraud lenders. She also has done countless chargebacks including hotel stays and airline tickets. I believe chase is complicit as I have been reporting these incidents for some time now to no avail. XXXX XXXX also had her chase bank account closed years ago for the exact same behavior. I will attach her fake identification card with the address of the fictitious woman and her face.
Consumer complaint received 2023-08-30
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. (NY)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-01-20
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. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX SQ XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-04-19
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. (GA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of inquiry : XX/XX/2023
Consumer complaint received 2023-08-30
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. (NM)

I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the account XXXX still on my credit file which are appeared as late, the fact is, I've been paid it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned accounts are incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these accounts XXXX  XXXX Balance : {$12000.00}, and XXXX  XXXX Balance : {$12000.00} should be corrected by the 3 credit bureaus right away.
Consumer complaint received 2024-03-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FULTON FINANCIAL CORPORATION (PA)

Hi I had noticed excessive fees. One month it would be XXXX XXXX XXXX. I contacted XXXX Bank and went into bank in person. When I signed up for a savings account it said monthly fee up to XXXX Then every month I started seeing XXXX XXXX XXXX and money disappeared from like XXXX XXXX XXXX. I asked them to refund these fees and the Manger at branch refuses to contact me back. I can not get them to issue my money back for the excessive aggravated fees. I have no knowledge about the fees. I did the application online and no mention of the fee. I can understand fees but XXXX XXXX XXXX  that is excessive and unheard of. So please help me recover my money back from them. Fulton back fees are excessive and unheard of.