davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-04
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX wellsfargo been colecting data for modification for my mortgage.having me resend documents since that time. now they denied me because they said i make XXXX dollars ma month. however they have a statement from social security that that not sustain employement i work 24 hrs a week. when there is five week in the month like this XXXX i do not have a check i have sent them my bills from this month for repair of the home plumbing water damnge ; roof which added up to a additional XXXX a month.please do not have them call me until they check everything out. because what they do is call me and ask me when did i send this information to them and i will have to talk to asaleman for and hour for them to find out its the truth. i want them to get of they XXXX DO THE RESEARCH BEFORE THEY CALLME THE SOCIAL SECURITY AND EVERYTHING THEY HAVE ALL THE INFORMATION THEY NEED. they have receipts for over 4.000 dollars i had to spend fromXX/XX/XXXX through XX/XX/XXXX what  they did was add up social security checks that i want receive sometime but most of the time and my 24hr a week wich social security says not sustain income remember i writing you because they will call and i have to stay on the phone for1hr while they look and say they dont see that info then finally say oh i see it now. so before they call with they salemanship look before you call i am XXXXyrs old and i honestly have never seen company this bad there is no customer service. also i waiting on when they are going to put mortgage in my name for credit purposed. thats it foks
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My purse was stolen from my locker while I was at the gym. I have been explaining that I have not applied for the companies that is listed on this report. Please remove these inquiries from my credit report. A XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I tried getting a loan and was scammed. They got my bank info and deposited a check from XXXX which the bank cleared. When I realized I was being scammed I called immediately to report it. After being with b of a XXXX  years they decided to close my account. I understood that. And that it would take 30 days to close. I was concerned because my direct deposit from my company that I worked for which I've been getting direct deposits the whole time I was working for XXXX XXXX it was due to drop in a day or XXXX they told me don't worry we're going to send it back to your employer and then they'll send it to you or whatever well they did not they kept my check they cash my check they kept the funds for what I was scammed for and what's left over they're not giving to me they said that my company has to send them something to state that that's really my money I don't understand how they cast XXXX XXXX 's check kept it all of it and hasn't sent me nothing I had fraud protection because I banked online I thought and it's been since XXXX and I've been more than patient and I just want my money
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My social security number is XXXX on my experian credit report theirs are threehard credit inquiries XXXX XXXX XXXX  and XXXX all hard credit report inquiries are fraud please have experian remove the three hard inquiries I have a federal trade commission identity theft report on file
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : - XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

The debt collection company purchased a previously charged off account from XXXX XXXX XXXX XXXX. The company LVNV Funding LLC XXXX XXXX MI, served me with court papers on XX/XX/2023, in attempt to collect the debt of approximately {$14000.00} and or garnish my wages. I filled an answer in the Magistrate Court of XXXX XXXX State of Georgia contesting the debt. Trail is set for XXXX XXXX. I never had a delinquent or charged off credit card account from XXXX. I currently have an active credit card account with XXXX that is in good standings. I have never had a late payment or overcharge the account.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IL)

I received notification from my student loan servicer, Mohela that my student loan have met the requirements under the Public Service Loan Forgiveness ( PSLF ) Program and all or a portion of your loans listed in the letter have been forgiven. My student loans nearly {$83000.00} have been forgiven and my balance is {$0.00}. 

This letter is dated XX/XX/. I contacted XXXX and learned that Mohela reported on XX/XX/XXXX  that I have a balance of {$82000.00}. 

I called Mohela and held on the line for two hours, got a representative who stated it will take 90 days to update the balance to zero. I asked to speak with a manager as this is a violation of the Fair Credit Reporting Act, and they can not report erroneous information and since I have a XXXX balance, they must report that current balance. 

I held on the line another hour and a half. A manger never accepted my call. Mohela is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to 15 U.S. Code 1681s-2, I am requesting that you investigate the disputed information and correct any errors. 

Specifically, I am disputing XXXX XXXX XXXX I have attached documentation that supports my claim and demonstrates that the information is inaccurate. 

I also request that you comply with the provisions of 15 U.S. Code 1666b, which requires you to notify the furnisher of the information that I am disputing the accuracy of the information they provided. If the furnisher of the information is unable to verify the accuracy of the information, it must be removed from my credit report.

Furthermore, I would like to bring to your attention that the collection agency, [ name of collection agency ], is not licensed to collect debts in the state of Texas. Pursuant to Texas Finance Code 392.101, a person may not engage in debt collection in Texas without first obtaining a license. This collection agency has not obtained a license, and therefore, any attempts to collect a debt from me in Texas are illegal.

I also request that you comply with the provisions of 15 U.S. Code 1692g, which requires debt collectors to provide validation of the debt within five days of their initial communication with me. To date, I have not received any validation of the debt.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-03-10
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. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

I was refused service based on the way I pronounce my name over the phone. 
XXXX refused service on XX/XX/2023 at XXXX XXXX XXXX XXXX XXXX a supervisor - confirmed refusal of service at XXXX on XX/XX/2023. 
I clearly stated the way I pronounce my name - multiple times. 
Both stated that I have to pronounce it " differently ''. 
Both are Americans. I am a foreigner, born in another country, and forcing me to pronounce my name the way they see fit I consider a discrimination by national origin.
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XXXX  XX/XX/2023, My Wells Fargo checking account had an illegal Fraudulent Wire Transfer without my knowledge or Verification and Wells Fargo allowed {$26000.00} to be fraudulently wired out of my account. My checkin and savings accounts are wiped out. Wells Fargo does not care. They say they can not stop the fraud.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

On XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was a victim of identity theft back in XXXX where an auto loan was taken out in my name fraudulently. After speaking with XXXXXXXX XXXX that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. In return it caused me to file bankruptcy because that is the only choice i thought i had. The bankruptcy and XXXX account along with another other items associated with the bankruptcy needs to removed because I did not authorize to have my information reported as well as the items in the bankruptcy are not mines and it has caused me a great deal of hardship as I can not get approved for anything. XXXX has already removed the bankrupt from my credit report and i am needing you all to remove it as well.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WI)

A charge was put on this credit card on XX/XX/XXXX. I cancelled the charge on XX/XX/XXXX in writing certified mail. I called Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to complain about this charge, they told me I had to go through the company who charged the card and work with them. I did that. The company who charged it stopped responding in XX/XX/XXXX and never refunded my money. I contacted an attorney, the XXXX  and CFPB about the charge and nobody could help me. They said the company didn't respond, so there was no was to get the money back. 
I send a dispute in writing with all of the information to Barclays two times, CFPB and the XXXX, and the Federal Trade Commission. I called Barclays to get help with this multiple times. Still, no help. 
I had a payment plan set up the whole time with Barclays for XXXX  XXXX, they changed it to XXXX  XXXX with no notice. The card was supposed to be XXXX interest for XXXX XXXX, they started charging interest with no notice. 
Barclays has refused to help me with this charge, and has added insult to injury with a charge that was cancelled. 
Today, I cancelled all payments and put a stop payment on them at my bank and cancelled the card. I have never used this card for anything, the only balance is the original charge that should have been refunded within 30 days. The balance is {$10000.00}. 
There should be no balance on this card. There should be no interest accruing on this card. The payments should have been exactly {$120.00}, no more.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I was a victim of identity theft back in XXXX where an auto loan was taken out in my name fraudulently. After speaking with XXXX advising that the loan is not mine they told me that I am responsible for it due to the individual having all of my information. In return it caused me to file bankruptcy because that is the only choice i thought i had. The bankruptcy and XXXX account along with another other items associated with the bankruptcy needs to removed because I did not authorize to have my information reported as well as the items in the bankruptcy are not mines and it has caused me a great deal of hardship as I can not get approved for anything. XXXX has already removed the bankrupt from my credit report and i am needing you all to remove it as well.
Consumer complaint received 2023-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I requested to see how this debt was validated on XXXX through Transunion for the debts listed below. On XX/XX/ the disputes were once again updated as verified with no information provided as to how it was validated... 

XXXX XXXX- Account Number XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX number XXXX - $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX- Account Number XXXX - {$270.00} - XXXX
Consumer complaint received 2023-10-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (NV)

This it is a debt on a charge off from a auto loan that is been paid already and still show up on my credit report I need to be delete from my credit report the creditor name it is Westlake financial svc XXXX and also XXXX XXXX it is been paid off and still on my credit report as a charge off paid and I need to be remove from my credit report XXXX