davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX - an assisted living facility in XXXX, Virginia - part of the company " XXXX XXXX XXXX  '' - has been withdrawing money electronically out of my account without my permission. I have been handling the payments for my mother, XXXX XXXX, who was a resident from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, an electronic withdrawal for {$9200.00} was authorized without my person from my Wells Fargo account. At that time, this was rectified by Wells Fargo and the money returned. On XX/XX/XXXX a check from my account XXXX # XXXX XXXX which I did authorize for {$2700.00} was withdrawn from my account. On XX/XX/XXXX, the same amount - {$2700.00} - was also electronically withdrawn using ACH. I have put in a claim with Wells Fargo. I asked XXXX XXXX to remove my electronic banking information and to never use it again back in XX/XX/XXXX. They did not comply. Wells Fargo has told me that they can not put a hold on XXXX XXXX because they use a different number for every electronic transaction so there is no way for me to stop it on my end. My account at Wells Fargo is now withdrawn. I do not have access to my money and it will be days before this dispute is rectified. 
When I submitted the check ( # XXXX XXXX I also requested a statement showing the amounts paid and a XXXX  balance and the date that my mother left XXXX XXXX. This has not been given to me. 
The people I have contacted over the last seven months at XXXX XXXX are XXXX XXXX, business manager and XXXX XXXX, XXXXxecutive director. At XXXX XXXX XXXX I have contacted XXXX XXXX and XXXX XXXX. I talked with a customer service rep at Wells Fargo and have a claim number for the current dispute.
Consumer complaint received 2023-05-17
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)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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
Consumer complaint received 2024-03-01
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

TSI is the latest perpetrator of this scam adding false information to my credit report. I successfully get this removed. Then 5,6 or 7 months later it reappears. With new dates so as to have the most impact on my credit report. A practice I have come to understand is called rebirthing. Is this legal?
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (CA)

In XX/XX/XXXX, I received a collection notice from the collection agency XXXX XXXX, stating that I owed the original creditor SoFi Securities {$1100.00}. The debt was then purchased by XXXX XXXX 

I had no prior knowledge of this debt and contacted SoFi Securities for the background. I learned from SoFi Securities that someone used my identity to open a money account in early XXXX. The person overdrew {$1100.00} from this account and never made a payment. 

In XX/XX/XXXX, I contacted XXXX XXXX and explained to them about the identity theft that the debt is not mine. I also filed a police report and a Identity theft report with the Federal Trade Commission. I also mailed XXXX  XXXX a formal letter along with copies of identity theft and police reports ( see attached ). I also submitted copies of the reports to SOFI Security. 

In XXXX, I received a fraud packet from XXXX XXXX XXXX, a collection agency that is related to XXXX XXXX. A fraud packet asked for details about the identify theft. I completed the package and sent it back along with a police report and identify theft. 

However, in XX/XX/XXXX, I still received another collection notice from XXXX XXXX XXXX stating the debt is now placed with them for collection ( see attached ). I called them and the representative told me that my identify theft report and fraud packet were denied. She was unable to give a valid reason of why it was denied and insisted I owed them the debt. 

I would like to submit this complaint as the debt was not mine. I have filed a police reports, identity theft reports, and signed affidavits that I am a victim of identify theft. Would you please help provide a solution to the situation as the collection agency is still going after me for a debt I do not owe. My concern is without a solution, they will continue to contact me and potentially impact my credit. 

Please let me know if you need further information to move forward with this complaint.
Consumer complaint received 2017-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Someone stole my drivers license. Changed the name of all my former employers. My social security card was stolen with the spelling of my name as XXXX XXXX XXXX. I 've once used the spelling of my name on my birth certificate. XXXX XXXX XXXX. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest son is XXXX. XXXX XXXX XXXX XXXX His date of birth is XX/XX/XXXX. I began using my maiden name when I learned I was a victim of identity theft. My maiden name is XXXX. The FBI told me it was an inside job, when I went to them. IRS told me something similar & told me it 's my family members. A tax return was filed by them in XX/XX/XXXX. This is the year I was laid off from XXXX XXXX XXXX XXXX. The company also have access to my social security number. Social security wrote a query for me with all of the EIN numbers of my former employers from XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX  amended & restated all of my tax returns from XX/XX/XXXX - XX/XX/XXXX and made themselves my conservator. In XX/XX/XXXX the company used my stock to sell my home at XXXX XXXX XXXX XXXX TN XXXX. In XX/XX/XXXX The XXXX Family refinanced my home using my XXXX XXXX son power of attorney. The United States Attorney General informed me of this. Fraud interest statements have been reported to IRS. The FBI also told me to pull all of my tax returns.
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MO)

I had obtained a private student loan from XXXX/Naviant to attend XXXX. 
After attending the classes I had obtained other financing which was paid to the school directly. 
XXXX/Naviant was issued a check directly from the school refunding the proceeds from their loan. The check was cashed by XXXX as you will see from the attached documents showing the deposit stamp on the back of the check. 
XXXX also received a XXXX dollar cash payment which I also have the payment receipt from XXXX as well. They have received this money as well as the payments that they were auto drafting from my account during this time period. 
They have stated the remaining balance is due to service fees and late fees but I have been fighting them for several years on this matter. 
I have reviewed the postings on the internet stating that XX/XX/XXXX and Naviant were guilty of false charges as well as misleading the clients on repayment and late charges etc. 
I have been contacted by numerous collection agencies ( XXXX ) over the past several years and then after I send the documents that i have the collection agency stops contacting me and then XXXX/Naviant just hires another agency and the process starts over. 
The school that I had attended has even been involved I have recently hired XXXX to attempt to get this removed from my credit bureaus. The law firm advised me to file a complaint with you as well to aid in the process with the history your company has with XXXX/Naviant.
Consumer complaint received 2024-03-01
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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. (CA)

XXXX XXXX XXXX  has falsely reported debt, false dates and false statements/signatures since XXXX  on 3 of my credit reporting agencies. I closed the account with a XXXX balance after only 6 months in XXXX  they told me Id still receive a {$35.00} fee for anual charges, I disagreed to pay that because it was charged already in the beginning as they all do that, plus I didnt have the card pass 6 months! They now want {$680.00} from {$35.00}? They only gave me {$150.00} limit which I paid in full!! Its been a 13 year nightmare with them! They continue to call and harass family & myself under scam or unknown numbers so they dont get caught!! I paid XXXXXXXX XXXX twice to remove them and they did, only to have XXXX XXXX XXXX  falsely report again with new dates and new balances! This is 13 years of harassment and lost money on high interest due to false reports!! Paying attorney fees! Hold them accountable! Theres no debt, never was!!!
Consumer complaint received 2021-01-06
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. (FL)

Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.
Consumer complaint received 2021-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CITIZENS FINANCIAL GROUP, INC. (MN)

We have had this loan since XX/XX/2019 we have paid almost {$6000.00} towards this vehicle the balance only reflects about {$3000.00} the company will not respond to my requests for payment historys and when I tried to refinance the vehicle through my bank I was told this was a predatory lending situation because they basically put me in an upside down loan. I would like this modified to the actual value of the vehicle we have made all of our payments in time and dont deserve this!!
Consumer complaint received 2024-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SECURITY FINANCE CORP (OH)

On XX/XX/XXXX, my boyfriend XXXX and I went to go see if he can get a vehicle. We went to XXXX XXXX XXXX XXXX, and after getting all the required documenations that they needed, XXXX the sales rep, came back to us and said XXXX was approved for a vehicle but would need a co-signer. I volunteered to be his co-signer. XXXX then goes to the finance guy XXXX and comes back with good news, we got the loan approved but the way we did it was XXXX ( me ) will be first and XXXX will be the on the backline ( co-signer ). We agreed on {$700.00} down for the XXXX XXXX XXXX XXXX, and I signed the Bill of Sale, Sales Contract, Finance Contract, and requested my insurance company XXXX to add the XXXX XXXX  on to the insurance with Full coverage and a {$500.00} deductible. 2 weeks go by, and they wanted 3 bank statements. I then sent over the bank statement and XXXX said everything was good to go. About 1 week, before my first Payment is due on XX/XX/XXXX, XXXX texted and said I owed him {$300.00} and to send to this cashtag XXXX XXXXXXXX. and I was confused and asked what the reasoning was and XXXX stated pay the money and youll be just fine. I was going along with it at first but then when I started reading the contracts and talking to XXXX asking why we owe, nothing nor XXXX or anyone could state we owed {$300.00}. I tried calling the financial company PFS and they are not willing to give me any information about the {$13000.00} loan the approved in my name, I am not being told how I can pay the loan and just being told by the dealship to call the bank and the bank tells me to call the Dealership. The credit was reported to the Crefit buerus on XX/XX/XXXX. It is active an open. XXXX and the bank XXXX XXXX, have said because Im trying to turn this into a problem or legal problem, they want the car back and they are claiming my employment cant be verified, my employment has called them multiple times and verified my employment and both of them have been very disrespectful. XXXX is constantly texting me using scare-tactics, and claiming which charges I will be charged with. I have paid my down payment, my insurance, I got the bill of sale, Finance Charge Contract, and the Terms and Conditions, the POA was signed to get plates into my name, and was given both Admin Keys to the vehicle. I have reached out to muiltipe attorneys to get legal advice and other Crediortors which have confirmed the loan was indeed approved. It is now 2 days past my first car payment, and no one is still giving me any information on paying my payments. XXXX stated that he will legally get the vehicle back by telling XXXX XXXX XXXX to send the loan back and/or delaying the information needed for me to pay my vehicle so it can be easily repod. Since then I have made it clear I am getting an attorney,
Consumer complaint received 2019-12-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$2500.00} -This is not my account.
Consumer complaint received 2017-05-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

In  XXXX  we had a fire that gutted our home. Fast forward to a month ago the insurance company finally sent the insurance claim funds to Bank that holds our mortgage ( which in this case  is Loan Care LLC ). For the last three weeks we along with our public adjuster and contractor have been on the phone with Loan Care because they are refusing to release the funds. Please see the attached document with a detailed time line of the situation.
Consumer complaint received 2021-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied International Credit Corp., (US) (MT)

I just received a random letter for collection from company representing XXXX. We search identifies this as a known scam. More interested in keeping credit rating and history secure. Others have warned against calling company as it gives them your phone number and further ways to harass you. I have never sold on XXXX  and have promptly paid for any purchases, which have been few and far between. I have checked my XXXX  account onnline and do not have any random purchases, nor missed payments. I have never purchased anything with a cost near what they are trying to collect from me. I will attach the scam letter received from " Allied International Credit Corp ''
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I have received my Consumer Report and noticed the following inaccuracies : I am not liable for the debts with the following companies listed on my credit report : 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 The following companies not only have never entered into a contractual agreement with me but are not even authorized to collect a debt in the state of New Jersey as they are not registered to do so : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After requesting proof of the legitimacy and lawfulness for these accounts none could be provided therefore I am requesting that Experian adhere to the Fair Credit Reporting Act by reporting only accurate information as stated by the law.
Consumer complaint received 2023-03-08
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/XXXX.