davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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)

I received a copy of my credit report and I have found the following items listed below to be in error. 
XXXX XXXX -ACCT # XXXX Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave you, OR ( XXXX ) any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b. You have caused severe stress and anxiety due to the abusive and unfair practices mentioned above. The account listed below has a late or missed payment status that is incorrect. This account was NEVER late and should be listed as PAYS or PAID AS AGREED. Please furnish any proof of verification of this alleged late payment that you have. If no proof is attained and sent to me, please remove said late payment. 

I was never late on ( XX/XX/2022 ) on this account please update the account as Paid/Current. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and documentation proving that I am or have been late. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I have been a victim of XXXX of the worst wire transfer frauds involving Wells Fargo and allowing fraud accounts to be set up in XXXX California XXXX banks where my money went and ultimately sent to XXXX Criminal Call Center location scams I believe. Over XXXX of them were just busted. The story is unbelievable and multi-layered with imposters from XXXX and higher authority Wells Fargo impersonators. Wells Fargo did nothing to protect me as this took place over XXXX weeks when I was being sent to my banks to do things to supposedly protect myself, yet no one at XXXX different Wells Fargo locations questioned me. Over XXXX figures are gone and FBI and local detectives are also on the case, as it's part of a ring I was told. I am on a mission to bring this to light so that banks have to take responsibility and change the way they do things when someone comes in to wire or money is wired. This is a worldwide epidemic. There are recent articles about the XXXX call centers and on XXXX being involved in other types of Frauds as well. XX/XX/XXXX started with fraudster until XX/XX/XXXX when in all imploded. Wells Fargo was informed once I found out about the scam and that he was not with Wells Fargo on XX/XX/XXXX and claims were filed and XXXX after a few contacts with me did nothing and closed the case. I have all the wire transfer documents and letter from XXXX closing my case which I can send over. I attached the most recent letter they sent by wire paperwork has confidential info I can cross out and attach.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Navient frequently locks me out of my account. On XX/XX/2017 -- I changed my password and stored it in my XXXX cloud keychain. When trying to log in later in the day, it promptly told me that my password was incorrect and locked me out of my account. This is at least the 3rd time it has happened. On top of that, when you change you password ... you 're not allowed to use any of your previous XXXX passwords. This password reset and change cycle makes it infinitely more complex to attempt to log on regularly to pay your student loans. 

In addition, they 've been allowing individuals other than myself to change account information such as contact and address information in order to collect money from family and relatives. I know this because I have seen my billing and contact information change to either my mother 's or brothers ' phones, addresses or email addresses -- this has caused considerable strain on our family relationship. This loan is not cosigned or any other way involved my relatives. 

In addition, their recurring payment option only works if your account is current ... meaning if you decide to use it while your account is overdue, it never processes a payment even if your automatic payments will meet or overpay the current balance due. With the problem of signing into your account as stated above, you can see how individuals will just end up failing to pay on time or to bring their accounts current. 

If you 'd actually like to pay your bill not online, it requires then calling them and setting up a phone payment which you are promptly charged a fee for. 

Currently have now waited over 19 minutes from when I was suppose to get a guaranteed call back from customer service regarding this issue.
Consumer complaint received 2022-12-21
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. (NH)

I have tried to respectfully handle a few reporting errors with Experian beginning XXXX of XXXX It is now XX/XX/2022 and they have yet to fix the reporting errors. They have tried to respond that the accounts are " verified '' and reporting accurately, however this is not a reporting error from the furnishers. IT IS EXPERIAN THAT IS REPORTING IT INACCURATELY. 

The XXXX accounts are listed below with explanation of what needs updated. 
Ive included all letters Ive sent them as well as a copy of both accounts credit report with the inaccurate items highlighted. 

XXXX- The account status, the payment status, Date last Active, Date of last payment are all inaccurate. 

XXXX The Payment status, last payment and XXXX year history- are incomplete and inaccurate. 

I have sent XXXX letters since XXXX of XXXX This is a violation of FCRA and these accounts need to be corrected immediately.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

Got a phone call from XXXX, claiming to be Chase bank. 
Told me that they had been monitoring my credit report ( I don't have a Chase account, so they should not be able to check my credit report ) and wanted to offer me a credit card. I stopped the call at this point.
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (FL)

On XX/XX/XXXX I reached out to Mr. Cooper in the hopes of getting some assistance with my mortgage payments post being impacted by Hurricane Ian in XX/XX/XXXX. On that date, I was told I might be eligible to have an additional 6 months of forbearance to continue what I had previously since I had not fully recovered from the hurricane damages. I asked if I could take advantage of this program and inquired if this would impact my credit due to being behind at the time of this program being extended and was told that my credit would not be impacted. On XX/XX/XXXX, Mr. Cooper reported to the credit bureau that I was late in XX/XX/XXXX. I have since called to ask for this to be updated to remove the damaging report that caused my score to drop 60+ points depending on the bureau, but to this date, this has still not been corrected.
Consumer complaint received 2023-03-31
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am writing to dispute the following inaccurate information against XXXX XXXX XXXX. I have leased with XXXX twice. The second lease I was eligible for early lease due to a promotional offer at the time. I started a new lease in XX/XX/2017 and was assured that since it was the beginning of my lease, my payment dates will not be affected. On my credit report they reported me for a late payment in XXXX when in fact that was inaccurate. I paid twice in XXXX and was early for XXXX payment. They had a glitch in their system and they failed to notify me. I notified Experian and filed a dispute, but unfortunately they couldnt do anything and advised me to reach out to XXXX. So I reached out to XXXX and they mentioned it was a system glitch and also mentioned I was always on time with my payments. Because my account is closed and paid I full, they can not remove the late payment on my credit report. 

Enclosed are copies of my payment history and you will see that I made two payments in XXXX and in XXXX.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a fraudulent inquiry reported on my credit report. 
XXXX XXXX XXXX XX/XX/2023. 

This is a fraudulent inquiry I would like it deleted off my credit report immediately.
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: EQUIFAX, INC. (MN)

Equifax I am going to have to asked you to view documents thats is attached to this complaint! And asked you to respond appropriately After doing research and my own investigation on public record XXXX lXXXX  XXXX had informed me that they had removed the public record from there files! But each time I asked your office to conduct an investigation you claim that the information has been verified! Equifax based on this letter that I received from XXXX they had removed the public record back in XX/XX/2022 from there file! Equifax this is a clearly clearly proof that you never conducted any investigation on public record. The reason I know Equifax is the fact of the matter that you advertise on your credit report for these people name address telephone number! And this is who you verify public records with! As you can see XXXX stated that they removed the public record. From there file Equifax you never conducted any investigation this whole time. Remove this right now or dont I will be force to take legal action! You guys should be a XXXX shamed of yourself for doing this kinda reckless behavior on consumers! Its no way in XXXX you could verify anything with those people if the information has been removed from there data based this is the company that you use. Get this off my report today Equifax or face the consequences there it is black and white view it in the file its been removed for over a year in XXXXS database but you continue to tell me that you keep on verifying this stuff until today remove it today and then you put the information back on the report and then going to lie about You are a low down evil dirty company
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NV)

The amount charged for " escrow '' on my monthly bill is more than what the monthly tax and insurance amounts would be. There is no escrow shortage showing. This was happening with the previous servicer ( XXXX XXXX ) and when Roundpoint took over, they continued with the over charging. I have called about this and nobody can explain why the escrow should be {$260.00} yet my statements show {$290.00}. Nor can anyone explain where the money has been applied. No escrow analysis has been completed to give a breakdown. I have requested escrow be removed, however, I still want to know where the monies taken have gone. In the last 2 years I have overpaid between XXXX  per month
Consumer complaint received 2023-03-31
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. (NY)

I am concerned about the validity and accuracy of a recent investigation, conducted by XXXX, on an accounts listed below, that is reporting on my credit report. This Account was opened without my knowledge or authorization. After being alerted of this fact, Last month, I requested an investigation because I felt this item was not being reported legally. Shortly after that, I reached out to XXXX, and a representative stated that XXXX 's investigation was complete, and the info/accounts was deemed verified. After presenting them with a up to date FTC report, and other verifying docs to my being a victim of Identity Theft, I was told to try and submit another dispute, presenting the same information. In accordance with the Fair Credit Reporting Act, the accounts listed below, have violated my rights. 15 U.S.C 1681 Section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NC)

Chime Dispute # XXXX On XXXX I noticed that a fraudulent transaction not approved or made by me appeared on my Chime account in the amount of {$260.00} on XXXX, at a location in Florida. I contacted Chime immediately who cancelled my card and reissued me with a new one. A dispute was then filed with Chime on XXXX and a temporary credit was placed on my account on XX/XX/XXXX in the amount of {$260.00} to cover the amount debited. 

On XXXX, Chime contacted me by email and provided an update that their investigation into the case had concluded but they had found no issue with the transaction. In summary, Chime decided that the transaction was valid and that they intend to overturn the XXXX dispute, and the temporary credit on my account is to be returned to them. No evidence of their findings were provided and I continue to wait for the documentary evidence to support their investigation and outcome. 

I opened a rebuttal with Chime on XXXX  and provided documentary evidence that I was at work on XXXX in XXXX XXXX and could not have used the card at the location and time the fraud occurred. The transaction was made some XXXX miles away. The rebuttal was rejected within 12 hours of submission again with no clear adjudication.
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION (MS)

I am writing to inform you that I recently discovered an auto loan was opened in my name without my consent. I was shocked and dismayed to learn of this fraudulent activity, as I did not authorize any such loan to be taken out in my name. 

I have taken all necessary steps to safeguard my personal information and prevent identity theft, yet somehow someone was able to obtain a loan using my name and information. This is a clear violation of my privacy and has caused me significant stress and inconvenience. 

I request that you investigate this matter immediately and take appropriate action to rectify the situation. I request that the fraudulent loan be cancelled and removed from my credit report. I also request that you provide me with any information you have regarding the individual responsible for this fraudulent activity. 

I trust that you will take this matter seriously and work diligently to resolve it in a timely manner. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo kept on charging me for extra overdraft fees of {$35.00} dollars thats too much for an overdraft fee. Then, on top of that I kept getting checks deposited that I had already deposited before in my account again. Ive called them about it they never did anything about it. So my account is at a negative balance. They closed my checking and saving account. When I told them I never cashed no checks over again why would I do that. Then I kept getting charged twice for the same thing. Then, why if Im negative {$75.00} why are you charging me {$35.00} for an overdraft fee its like they want money. Theyre being money hungry and thats what was happening with me. My card got stolen I was getting charged with stuff on my account they didnt refund my money back to me they are so unfair please do something help me get my money back immediately. Help others as well. Because its totally unfair.
Consumer complaint received 2022-12-21
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. (GA)

XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXXXXXX XXXX # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

Its been over 30 days and the creditors have not updated nor has provided any information or provided proof or documentation regarding my late payment From XXXX XXXX XXXX, XXXX they have not supplied this information and they must delete this a ledge late payment on my credit report under federal law they had 30 days to complete this investigation and failing to do so the item must be deleted soon as possible
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have been receiving letters as a result of legal action taken by Midland Funding LLC. Most recently, I received a letter this month about a attempt to collect debts that are beyond the statute of limitations. I received a letter in this month of XXXXXXXX XXXX  XXXX. These debts originate from a XXXX Credit Card account that has been inactive since XXXX. XXXX bought the debt a few years later. However, I did my research into this matter and found that XXXX account to be outside the statute of limitations for collection. Four years ago I sent documentation proving this to the major credit agencies, XXXX, XXXX and XXXX. They were in relatively a short time processed, and all of those debts are removed from my credit report. Therefore, I do not see how Midland Funding LLC has the authority to collect on a debt that no longer exists.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANCO POPULAR DE PUERTO RICO (NY)

On XXXX I discovered that there were XXXX forget checks in the amount of {$79000.00} ( XXXX ) and in the amount of {$2800.00} ( XXXX ) XXXXThese were faked and forget checks ( I still had a full book of checks including these XXXX in my possession ) .I immediately contacted the Police and made a report as well as went to the branch and made a report of fraud to seek a refund. On XXXX I received a refund for the smaller check- {$2800.00} but bank refused to refund {$7900.00} stating that my claim was Out of timeframe.Therechecks were clearly both signed and forget by same individual, couple of weeks apart. XXXX for {$7900.00} posted on XXXX, so my claim was made within 60 days of posting and within 1 day of discovery. I wrote to the bank asking them to provide terms of service, something showing the rules for making fraud claim and have not received a response. I have banked with this institution for XXXX XXXX, and have not been receiving any updates concerning 'timeframes ' for making claims for these type of account or situation. They clearly see that it is fraud since the refunded the other check but they are holding on to my funds. I have never had any withdrawals or checks against my account in the amount of more then XXXX dollars.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiry need to be removed : XXXX XXXX XXXX - Date : XX/XX/2023