davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I'm enrolled in the PSLF program, mi servicer is XXXX XXXX. I have a rental property which I always declare in my taxes. Last year I have to fix the fence and the roof. Both expenses can not decrease the income but have to be added as a property improvement and then use the amount for depreciation purposes. The amount was $ XXXX ( the tax return shows this amount ) which I can not deduct as a business expense, making the income higher that it should be for that year, On top of that, I didn't have the money to pay for it so my wife took money out of her retirement account to cover for the expense, also creating a higher income for that year if we use the adjusted gross income from the tax returns. 
I called several times and talked to a loan counselor and they told me they are not tax experts and can not adjust the gross income from my tax returns. They asked me to send pay stubs instead of the tax returns however, if I send pay stubs it will not show my rental income which is usually a loss. 
I really need some help here making my service provider adjusting my tax adjusted gross income adequately.
Consumer complaint received 2021-01-07
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: NAVY FEDERAL CREDIT UNION (GA)

I have submitted a notarized affidavit letting these companies know these accounts opened online are fraudulent and not authorized! I was provided all amounts and account information from credit bureaus! 

Navy Federal FCU {$8900.00} XXXX XXXX XXXX NAVY FEDERAL CU {$8600.00} XX/XX/2019 XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (VA)

On XX/XX/year>, I submitted a payment at the bank 's online website. The payment was scheduled for XX/XX/XXXX, the payment due date. XX/XX/XXXX was a normal business day - a Tuesday. The amount was {$300.00}, the full balance on the XX/XX/XXXX statement. On XX/XX/XXXX, the bank acknowledged my payment submission with its reference XXXX. On XX/XX/XXXX- a day after the payment was scheduled by the bank itself, the bank sent me an email stating that my account was past due, the payment not having been received. Obviously, the bank 's data system failed.
Consumer complaint received 2024-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (FL)

I have been trying to resolve this matter with Wells Fargo for over a year. We keep getting the run around from the mortgage loan department. I requested mediator involvement and the loan department XXXX XXXX setup that meeting with a representative from the mediator division that did not handle mortgage loans. The bank representative has ignored my complaint about this problem.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
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)

In the file below are accounts that I have no knowledge or didnt give consent into opening. As you can see there is a letter in my file with a utility bill showing proof of current residency. I am a victim of fraud & would like proof of each account being held as me consent or signing for it.
Consumer complaint received 2023-01-25
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)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 XXXX  data breach as well as XXXX XXXX  2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
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: EQUIFAX, INC. (CO)

In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the accounts in question. ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NY)

Made payment on XX/XX/XXXX, credit card says was declined by the bank. When I became aware a few days later, I contacted the credit card agency but told they will present for payment twice, first XX/XX/XXXX. I asked to cancel payment and redo a fresh payment as I did not want to wait till XX/XX/XXXX. Told I could not cancel my own payment. 

Payment was presented again on XX/XX/XXXX and was deducted from my bank checking. 

To date the credit card website continues to list XX/XX/XXXX as my payment being returned, no update to say payment processed on XX/XX/XXXX. The credit card agents and a supervisor XXXX, id XXXX in Massachusetts all say as of XX/XX/XXXX that payment was made on XX/XX/XXXX. The agents do not know why website are not listing the payment and why the reversal of the returned fee has not been removed. 

XXXX continues to say my bank has to confirm the payment and that I have to wait. I find his lack of ability to correct this situation unprofessional, XXXX is not taking ownership of the problem. The payment processed since XX/XX/XXXX and over XXXX or more business days has elapsed and he can not or will not try to resolve the issue. XXXX says I must contact my bank as a credit card agent listens into the conversation as I verify my identity to my bank with my pin or other data so they can confirm my bank made payment. I told XXXX I am not comfortable with that. So as of XXXX he offers no other solution nor a time frame when the payment will be shown correctly on the credit card website. 

Worse XXXX has now blocked my ability to speak to any other supervisor, I called XXXX times, asked last two times for another supervisor but instead all the agent route me to him even if it means putting me on hold for long time frame as he takes his time to get on the phone. 

The hold times to get to a supervisor in this case XXXX is in excess of XXXX or more minutes and each time they agents never check back to say they still waiting. 

At this point I am not even certain XXXX is even a supervisor. He lied saying that an agent told him I was representing XXXX as though as I was not XXXX. I said that was a lie that I never told any agents that and then he said he made mistake. XXXX said that all conversations are taped, so if the company listens they will know he lied.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NJ)

I would like to inform you that I am chasing for my {$10000.00} in between two banks ( Wellsfargo and XXXX ) and nobody answer that where is my money and how to get it. 
My transaction details : 1 ) Date : XXXX, Bank : Welsfargo, Description : Transfer Money Welfargo to XXXX  {$10000.00} 2 ) Date : XXXX, Bank : XXXX, Description : Received Money {$10000.00} XXXX ) Date : XXXX, Bank : Welsfargo, Description : I have closed AC XXXX ) XXXX : XXXX, Bank : XXXX, Description : Sent back to Welfargo {$10000.00} I went to Welsfargo bank in person for my money but they told with in week your Money will be credited to XXXX. 
After week I called XXXX but they told we didn`t received your Money and I went to Welsfargo for my Money but they told we closed your AC and we don`t have your Money you have to check with XXXX. Both bank redirect to me each other but no one answer me where is my money. 
Yesterday ( XXXX ) Welsfargo shared document and mention that your money with XXXX XXXX XXXX for clearance so you must contact XXXX. 
I went to XXXX XXXX XXXX  today ( XXXX ) and they told we are third party bank so you must check with Welsfargo for further details and Welfargo should contact us.
Consumer complaint received 2023-01-25
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. (CA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-22
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. (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! 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, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. 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 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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

They continue to block access to the online dispute system, I 've filed complaints with them in the past and they will remove it but then it will be placed again and wo n't allow me access.
Consumer complaint received 2023-06-26
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. (CA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BMO Bank, N.A. (CA)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (FL)

I have a bank account ( checking & saving ) with Credit Karma which the bank that they use is XXXX XXXX XXXXXXXX. So XXXX XXXXXX/XX/year> I received a email that a transaction was on their way to an account that I didnt recognize the bank account that was transferred was XXXX XXXX XXXX XXXX They did a transaction of {$9900.00}. When I saw that I went to my Credit Karma to repotted through the Chat and they told me that I need to call to XXXX. So when I called to that number they dont find my account to be able to talk to someone. And today XX/XX/year> I enter the app to see whats going on with my account but my saving account was closed. And my checking account I have {$2700.00} and someone was making transactions to a cash app account which name is XXXX XXXX. And today XX/XX/year> they made XXXX transaction of {$490.00} and XXXX of {$19.00}. I need urgently help because that was the money that I saved to buy my first house next month. And I dont know if Credit Karma will refund me Please Thank you
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fair Capital (AZ)

I signed up for a business coaching program through a company called XXXX XXXX. After paying for more than half a year and attending two of their conferences, I informed them that the quality of the second conference was so poor and such a waste of time, money, and resources, that I would like to withdraw from the program. 

Instead of apologizing for poor service, the company insisted I continue paying. 

When I refused, they sent me to collections with Fair Capital. I explained to Fair Capital that I did not owe the company any money. When I requested that Fair Capital provide me with documentation, they ignored my request.
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

back on XX/XX/23 i sent transunion a dispute to look into the matter of my credit report being inaccurate. I have sent multiple request and have gone unheard and this is also causing me some stress because im in the process of finding a house for me and my family but have not been able to resolve this issue. Please help me resolve these things that are hindering me financially.