davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I applied for your double rewards card and received a letter to contact the department to verify my application. I called and they asked me several questions and verified me and sent me the card.

I received the card last week on the XX/XX/XXXX. Followed the instructions to activate on-line. Once on-line it alerted me to call the Fraud department. I contacted the Fraud Department on XX/XX/XXXX. They asked me for my phone #, I gave them all # s on my family plan. They said, none of it matched, even though I gave them the phone # on my application. They asked me for the security code on my account which they told mewas correct, they asked me if I had an authorized user and I gave them my sisters name. They then proceeded to ask me if they can verify me at work. I said, Im retired. They then said I could not verify me and will send me a verification letter. This took 3 phone calls and about an hour.

I received the letter that was dated on XX/XX/18 today, XX/XX/XXXX. I called the fraud department back. They proceeded to ask for my security code, which I gave them, asked me who else was the authorized user. They asked me for the Verification code on the letter, which I gave. They said, its insuffecient. The proceeded to ask me for phone # s which they could not verify, the phone # is on my application. They then said, we will call you back. They called me back on another # which is my sisters # since we are on a family plan. Of course, she did not answer. I then listened to the message left. The message was call the number at the back of the card. I called the # and we proceeded to repeat the above. I gave them the the number and let them know that i received 2 messages to confirm my identity. I was then told me that it was not sufficient and that I would be receiving another letter with a verification pin. This took 5 calls and over an hour only not to get anything resolved.

I can appreciate the process in verifying identity. However, I was already verified the first time using my actual # when I applied. They call me on my sisters # thats on my credit report. Then when I call back and give them these # s, they tell me they cant verify me when they pulled this # from my credit report because I never gave them that #.

The credit Card is onmy credit report, but I cant use it. It has been very frustrating as I am being contacted to be verified on these phone # s that they looked up themselves, leave a message and when I call back they then tell me, its incorrect. Ive given them my account secret code, Ive given them 1 credit Card that Im using and my mortgage line and that is still not enough.

I would appreciate some assistance. Please e-mail me or call me so I can activate my card.

Thank you
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I found numerous inaccuracies on my credit report, which are in violation of the Fair Credit Reporting Act ( FCRA ). Section 623 of the FCRA and Regulation V states that inaccurate or incomplete information must be investigated and fixed if found by the consumer. I have requested for validation of said accounts, yet have not received any evidence or seen any changes to rectify these errors. Under the FCRA, consumers have the right to request validation of debts and have inaccuracies promptly corrected. Hence my complaint here to address these violations and request a thorough investigation into the matter. Having such derogatory items on my credit report has been nothing but a burden for me, impacting my financial well-being and opportunities.
Consumer complaint received 2024-03-19
Product: Credit reporting 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 second 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA, XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX ( XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXXXXXX XXXX XXXX Balance XXXX {$230.00} XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$740.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-30
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)

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX 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 2018-03-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (CA)

In XXXX of 2010 I deferred one of my monthly auto loan payments with Wells Fargo Dealer Services. The paperwork got mixed up. I made SEVERAL attempts, by phone and by letters, to resolve the situation. No resolution was concluded. 

Now, the auto loan is paid off, except for the erroneous late payments. I have not receive the title to my auto, and have no idea how at this point. 

Correspondence is attached.
Consumer complaint received 2024-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I need help with getting refunded for payments I made for my federal student loans during Covid Forbearance. I am a XXXX XXXX XXXX who qualifies for PSLF. I was misinformed by XXXX abou the forebearance for borrowers who were seeking PSLF, so I continued to make payments during the Covid Forbearance XXXX XXXX XXXX XXXX  totaling {$10000.00} ). Prior to my loans were being moved from XXXX to Mohela in XX/XX/2022, I contacted both loan servicers and requested to be refunded for the payments made during the Covid forbearance since this time would be counted as qualifying payments for PSLF. I was informed by both XXXX and Mohela that I would be refunded for my payments because my request was made prior to consolidating my federal loans. Now Mohela is telling me that because I consolidated my loans I am no longer entitled to be refunded, even though the request was made to both XXXX and Mohela prior to consolidation. I am now requesting with this matter because Mohela is know for giving inaccurate information adn making errors with accounts and refunds.
Consumer complaint received 2023-05-18
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. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-23
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX 1

5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX  OF WHICH I HAVE NO KNOWLEDGE IS ALLOWED TO REPORT LATE PAYMENTS ON A CHARGED OFF ACCOUNT, HOW CAN YOU REPORT LATE PAYMENTS ON A CHARGED OFF ACCOUNT? XXXX IS ALLOWING THEM TO DAMAGE MY CREDIT MONTH BY MONTH. IT IS ILLEGAL TO REPORT A CLOSED/CHARGED OFF ACCOUNT FOR LATE PAYMENTS WHEN IT HAS ALREADY BEEN REPORTED TO THE IRS AS A CHARGEOFF. REMOVE THIS IMMEDIATELY. 

IT IS NOT REPORTING EVENLY ACROSS THE OTHER BUREAUS. THEY KNOW THAT IT IS ILLEGAL SO WHY IS EXPERIAN ALLOWING IT? PLEASE REMOVE ALL XXXX  XXXX ACCOUNTS I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2
Consumer complaint received 2022-12-30
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. (WI)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo from XXXX to XXXX, charged me thousands of dollars in overdraft fees. Many of them were double charges for the same check, many of these double charges were charged the day after I put a deposit into my account despite my having made a deposit before the check posted. In XXXX, I was also pressured into opening an account I had absolutely no use for. The customer service representative just told me she was going to open it for me and made me sign something. Then, when money would be sitting in the other account, they would charge me overdraft fees on that account. Now, they were supposed to make this right. When I filed a claim, they sent me a XXXX dollar check and said that would be sufficient repayment and that my NSF fees were on account of my account being low. This was a lie! I'm a veteran and receive VA XXXX. Sometimes, Wells Fargo would take hundreds of dollars in a month out of my check. I have attached just some of the overdraft fee and Non-sufficient funds errors that need to be corrected.
Consumer complaint received 2023-02-01
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. (NJ)

In the beginning of XXXX, I reached out to equifax via telephone about accounts thats are reporting on my credit that i wanted taken off. I explained to Equifax that the accounts in my consumer reports i did not give any written or verbal consent to be displayed. I explained to them that it was against my right to privacy to display these items without getting permission from me the consumer first. The company sent me a list of all the accounts being displayed on my consumer report but still refused to take them off after i explained this is hurting my reputation and preventing me from using my credit.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

In XXXX my account under an old name at Chase bank it was reported as fraudulent due to a lack of security measures on the banks end my account had been compromised. 
I went into the local Chase bank at the time in XXXX when this happened and reported the activity and closed it down due to this activity I received the money back and was told by several of the CSR people that I would be able to open an account with chase again if I wanted to. 
However fast forward to XXXX today and they are switching up what Chase told me years back and telling me that my old account is still under investigation and that it's showing as active. 
I call and call repeatedly I get the same response " oh we will send you a letter stating why '' no letter ever comes nor does anything come with any reason as to why I am unable to open a new account. 
I have provided proof of my name change to CSR people at the facility ( several ) and when they try to help even they don't get a answer as to why I am unable to open an account. 
I haven't changed my social number nor have I had any indication that it was compromised because of their lack of security. 
This was a issue and problem on the banks end not my own and yet I am the one paying for it and they won't give me any explanation even when I present my social to them in person or over the phone. 
If I even try to open an account under my name it gets closed within a few days for " suspicious activity '' it's frustrating and annoying and starting to XXXX me off. 
I have contacted the credit bureaus and they tell me that there is no more connection to my old name with anything but yet this is still showing as a active account on chases end and I am still receiving things from a supposed closed account. 
On top of it all they continue to send me emails and marketing things that I am " eligible '' for. How can I be eligible if I can't access an account nor get into an old one that was supposed to be closed years ago.
Consumer complaint received 2023-06-23
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. (AZ)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

I have been a customer of Wells Fargo Bank for the past 45 years. I currently have had an auto loan since 2020 - I also have direct deposit, I read that Wells Fargo has had issues and they have been ordered to pay a settlement- I believe that I should be paid.
Consumer complaint received 2017-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (IL)

ON XX/XX/XXXX I FILED A DISPUTE WITH NETSPEND CLAIM # XXXX FOR {$440.00} ON CARD # XXXX XXXX XXXX XXXX. ON XX/XX/XXXX NETSPEND GAVE ME A PROVISIONAL CREDIT OF {$440.00}. HOWEVER ON XX/XX/XXXX THEY TOOK AWAY MY PROVISIONAL CREDIT, ,DUE TO XXXX STATING THESE WE 'RE MY CHARGES. 

ON SAME CARD .... ( XXXX XXXX XXXX XXXX ) I ALSO HAD TO FILE A 2ND DISPUTE CLAIM XXXX XXXX BECAUSE NETSPEND FORGOT TO CANCEL MY CARD WITH THEM ... SO SOMEONE CONTINUED ADDING UP FRAUD CHARGES. 

I CALLED XXXX AND CANCEL CARD AND EXPLAINED THAT THESE ARE FRAUDULENT CHARGES ... THEY STATE AND CONFIRMED THAT THESE WERE INDEED NOT MY CHARGES. BUT NETSPEND NEVER CANCELLED CARD. 

XXXX STATED THEY COULD NOT GIVE ME A MERCHANDISE REFUND BECAUSE I CA N'T CONFIRM THAT THESE WERE NOT MY CHARGES. BECAUSE THEY SEND E-MAILS AND I 'M NOT ONE OF THE E-MAILS/. 

ON XX/XX/XXXX I SENT THEM ANOTHER FAX ON THERE MISTAKE AND STARTING ASKING FOR THEM TO RE-OPEN CASE # XXXX. 

XX/XX/XXXX I GOT PROVISIONAL CREDIT OF {$320.00}. XXXX. AROUND XX/XX/XXXX I WON THAT INVESTIGATION, SO I ASKED AGAIN TO RE-OPEN FIRST CASE BECAUSE IT ; S THE SAME CHARGES THAT XXXX CHARGED ON 2ND DISPUTE. TOLD THEY WOULD SEND ME PAPERWORK AND XXXX 'S ANSWER BUT NEVER HAVE RECEIVED ANYTHING. 

LAST REQUEST ON XX/XX/XXXX STILL TELLS ME THERE IS NOTHING THEY CAN DO FOR ME. TALKED TO THEM AGAIN TODAY AND TOLD THAT ONCE A CASE IS CLOSED IT IS THERE RULE THAT THEY CA N'T RE-OPEN IT NOR CAN I ISSUE A NEW DISPUTE! 

XXXX THRU NETSPEND
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (IL)

THE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATIUON UNDER THE FCRA
Consumer complaint received 2023-02-20
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. (MD)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Experian has neglected my dispute I sent in by mail. I have yet to receive any updates. This is not the first time I have disputed, They have failed to accurately verify the information they are reporting on my behalf. Reporting late payments on my report causing damage to my financial reputation. Experian Is in direct violation of The FCRA 15 USC 1681B, 15 USC 1681, 15 USC 1681E ( B ) AS WELL AS 15 USC 1666B which states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Experian has failed to assure maximum possible accuracy of any account it reports on behalf of a consumer. Experian should not just report anything on my report because they are being compensated by third parties, this is unfair to me the consumer. As this has been causing me alot of stress.