davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I had a vehicle financed with  Wells Fargo Dealer Services. At one point my loan was issued to a particular Wells fargo account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from Wells Fargo because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the Wells Fargo Dealer Services Office of the President.  Nothing was resolved. Towards the end of  XXXX ,  Wells Fargo added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was   XXXX   XXXX   out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager  put the car up for repression in  XXXX   XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX . The car was redeemed, the  Wells Fargo loan was paid in full, and I kept the vehicle. I filed appropriate complaints with Wells Fargo Office of the President and other agencies. Again, nothing was resolved.       Wells Fargo Dealer Services reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and Wells Fargo Dealer Svs. to  have the inaccurate report removed. I confirmed with  a Wells Fargo customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with Wells Fargo and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of Wells Fargo, yet I am having to spend an inordinate amount of time contacting the financi al institutions, issuing paperwork, and documenting all the communication. I fear  Wells Fargo will continue to provide incorrect information and subject me to financial  and professional harm.
Consumer complaint received 2022-11-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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: CITIBANK, N.A. (TX)

I was looking through my inquiries and history information when I came across a couple hard inquiries from XXXX XXXX XXXXXXXX  these included XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and Citybank. I didn't consent to these inquiries, and have no idea as to why they were all pulled. The 2 times I allowed this was in Summer of XXXX for a XXXX XXXX and XXXX of XXXX for a XXXX XXXX. It lowered my credit by a couple points, which is not much, but still.
Consumer complaint received 2022-11-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

Ever since my loan has been transferred to MOHELA, I never received anything in the regular mail or email stating that anything was wrong. On XX/XX/2022 I decided to check my credit and seen a drop due to MOHELA. I'm like okay no-one has called or mailed me let me log in and check. Find out they are only sending statements to the message function in there website. Notices that are important to read and contact them about however, if you don't email or send some other type of notice at the very least you don't know that they are in there. So that is first not receiving notices how would I know nothing was wrong. I finally found the location to turn off paperless on XX/XX/2022 and hope that issue fixes itself however, I don't think any penalty 's or negative credit reporting 's should be placed on my records and also should be reversed since no notification was sent outside your system to notify me. 

Second, I reached out in XXXX to MOHELA when my loan was switched over and you immediately started charging me fees that XXXX  who was my previous servicer had not. In fact I never even received a bill from XXXX. MOHELA said they had to get the updated contract from XXXX  because you didn't even have a copy at the time to confirm the payment amount which to this day is still incorrect. Regardless I was still in school this loan applied to and applied for the In School forbearance until you could figure it out. That clearly did not happen as I am seeing MOHELA now says I am over {$1400.00} past due or $ XXXX per month which again if you would have sent me notice or called I could have talked about months ago. My monthly payments till the end of next year should be {$150.00} per the repayment schedule Which I have attached for your review. I am more than willing to make the {$150.00} per month payments however, you need your system adjusted to make the amounts correct so I can make payments.. It has been wrong since the loan was taken over by MOHELA and I have already reached out more than once to get this corrected. While i am looking to finish my XXXX XXXX next year i am not currently enrolled in school to apply for another forbearance while you get this corrected
Consumer complaint received 2023-02-05
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: Google Compare Credit Cards Inc. ()

Hello, I live in XXXX and i need your help asap. 
Somebody has hacked my identity and is paying with my identity many things and also bank fraud My bank can not tell me know who is doing this. 
So i am researching my self and i see that they work with Google Pay and also with XXXXXXXX XXXX and XXXX XXXXXXXX I earlier purchased a game called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i bought this game on my XXXX but there it doesnt work any more so i was checking my google phone and now i see that they purchase with fake telephonenumbers games and also debitcard. 

Also i can not close the pay account!! 
Could you please registrate this because its almost a fraud about XXXX XXXX XXXX on bank savings. The police in XXXX is alerted but they need more information to catch them Google Pay id : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This number ( tel ) in the account is not mine = XXXX also in bankaccount pay numbers they changed numbers from my telephone number ( its hacked telephone ) into bankaccounts and payment accounts The number mentioned above is not mine My number is XXXX Can you please help me asap, because it is a big fraude and a need you help My emailadres XXXX another emailadres XXXX Thank you very much. 

Best regards. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
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. (OR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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 a account without my written instructions.

15 USC 1681 - ( 2 ) ( A ) ( I ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s-3 of this title, Any- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which means it's a Violation of the FCRA to report " Late Payments '' as that is a Transaction.
Consumer complaint received 2023-02-02
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 have tried to dispute an inaccurate account with Equifax several times. The account is US Department of Education XXXX. The account is reporting inaccurate opening date, date last reported, date of last activity, and payment history. Because this information does not match XXXX that means it has not been verified. I have tried to contact the company myself to verify the account. Please delete this account. Please block this account from reappearing as it is inaccurate and unverifiable. Please send me a copy of the updated credit report reflecting the deletion. I have attached a copy of my driver 's license and social security card for identity verification purposes. if you are able to contact someone to verify this account please send me the date you spoke with them, their full name, their e-mail address, the direct telephone number, their mailing address, and their fax number so that I may contact them as well. Please do not send me a generic response stating that the account has been updated or verified. Thanks for your assistance in this matter! P.S. This account is also a duplicate. The account has been transferred and is already reporting correctly on my credit report. 

P.S. This is also a duplicate account. This account was transferred and correctly reporting on my account as another item.
Consumer complaint received 2015-09-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a fraud and someone is using my name, social security, date of birth to obtain a mortgage, car loan and credit card. This person requested a free credit report on XXXX XXXX, 2015. Therefore I ca n't get a report in my own name.
Consumer complaint received 2022-10-22
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-27
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)

I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I never received a VALIDATION notification via mail or electronically, from this company, if they did send one, I'm requesting Proof of Delivery. 
I have also disputed this on all 3 of my credit reports, which I did have success with XXXX and XXXX, however it keeps coming back VERIFIED each time I have disputed with XXXX even though I provided documentation of the collection being removed from my other credit reports. 
I also don't understand how they are reporting TWICE on my credit report, with the same " Opened Dates '' and " Original Creditor '', just different balances, and the account numbers are the same except for the last two. 
This company 's violations have affected my credit negatively for the the last 3 years. 

I am demanding the two accounts be removed from my credit report. 
I am also demanding remedy for the following : Fair Debt Collections Practices Act 15 USC 1692g, 1692e, 1692f, 1692k FCRA 623 ( a ) ( 3 ) 623 ( a ) ( 1 ) ( a ) ( b ) Ignorance of the law is NO EXCUSE and being willfully non-compliant comes with a price.
Consumer complaint received 2022-11-13
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)

On or before XX/XX/2022 I disputed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) .I the dispute was Marked verified. I reportly asked for evidence to support reporting verified but failed to provide any proof.

I have as ask them to give me the process, names of verification. The bureaus have not came with anything at all. Which is the FCRA 611 ( a ) ( 7 ) violation. 
Violations Fcract 807-8,15USC 1681n,1681i,1681s-2,1681i ( a ) ,611,616,617,623 ; 602 ( A ) ; 604Asec2
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

They over charge me for one XXXX on finance for XXXX car they kept different amounts behind when they wasnt go from trans to XXXX every 2 weeks I had the car 3 1/2 years seems like my amount never went down they been fraud a lot people and dealership did some things from looking at my paperwork
Consumer complaint received 2017-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I contacted Experian credit about closed credit accounts from account resolution services in  XXXX / XXXX / XXXX . The company continues to use deceptive practices in order to collect a debts in the amounts of  XXXX  account number  XXXX  which was closed since  XXXX , account  XXXX  amount  XXXX  closed account report dated  XXXX , account  XXXX  account closed  XXXX  amount  XXXX , Account  XXXX  Date  XXXX  amount  XXXX , Account  XXXX  Amount  XXXX   XXXX / XXXX / XXXX .     The accounts all report as closed due to the fact that there was  XXXX  insurance policies to pay the bills from the  XXXX  hospital due to the accidents which was not my fault due to the point i was the passenger in both vehicle crashes. This Derogatory information should Be deleted from my credit report.     The medical billing errors was caused by the hospital for not appropriate billing all three insurance policies. The medical billing errors have been addressed by congress in order to make all credit reporting agencies comply with federal laws of of debt collections due to medical billing errors caused by hospital thus making victims of innocent consumers who was not at fault or liable for vehicle crashes or accidents. The medical information on my account is slander by experian which is harming my financial future.
Consumer complaint received 2017-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AK)

Today    XXXX   XXXX   XXXX     I received a call from  XXXX . They asked for  XXXX   XXXX  and I said ( without thinking, he is my father ). The person then said this phone call is recorded and then hung up. I  may have a sked what this was about. I do n't exactly recall. I called the number back and found it is from  Diversified Consultants in    XXXX  WA. Given that my father is  XXXX  I wanted to know if this outfit is scamming him or hounding him. Given what I know of these types of companies I want to ensure that they don not take advantage of him or bother him. Also I did not try to talk to them because there have been outfits like this that will not divulge anything to me.
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam : It is incredible how outdated your website is! 

You should have a system in place like the XXXX and XXXX, XXXX and XXXX. 

XXXX notifies the other companies within 10-15 minutes of any update.

Thank you. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries :. XXXX || Date of inquiry : XX/XX/XXXX XXXX XXXX || Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.
Consumer complaint received 2023-01-05
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: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Fraudulent Account JPMorgan Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, On XX/XX/XXXX, there was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the XXXX XXXX XXXX XXXX. To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. My credit and life have been ruined due to your negligence. I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (CA)

Chase back has raised the interest rate for my account from 22 % APR to an astonishing 25 % APR. In my current situation, the 22 % APR was barely manageable. Chase failed to disclose this interest by means of notification. I log into my account to budget payments and saw the change. I called chase and they offered to send me a letter stating the increase. I stated the letter should have been sent before the increase, a letter now is useless since they made the change. I spoke with a supervisor and request a lower interest rate since the 25 % is ludicrous. He said that the rate was tied to the fed increase in interest rate. I find this to be faulty logic since my account is with Chase not with the Fed. I understand that the Fed increase will hurt their business but that does not mean that can raise my interest rate with out any notification. 

My next steps is to transfer the balance to a low interest rate credit card that will be manageable. I would for Chase to admit their mistake, stop this practice, and offer a monetary compensation for my frustration. For nearly 8 years I was their customer and made all payments on times. I accepted the interest fee on my accounts as part of the agreement I made. It is unacceptable for them to raise my fees with out so much of the courtesy to notify me, yet they always send emails for me to transfer balance at 0 % or to use the card at certain stores.