davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (CA)

The original lender Regional Acceptance is reporting the account three late or missed payments as of today which is incorrect. The payment is due the XXXX of each month. The credit report shows my payment on time XX/XX/. The remaining two late payments would be XX/XX/XXXX  and XX/XX/. The next payment to reflect three late or missing payments is not yet due until XX/XX/. This is not accurate credit reporting and does the greatest amount of damage to my credit report and credit rating.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX we contacted advisor XXXX XXXX at Wells Fargo for help with an XXXX  and he directed our XXXX son to open an intuitive account. Our son had no understanding what that meant, and it landed him into a robo trading account where we caught it was trading the $ XXXX. We immediately contacted XXXX and he claimed there was nothing he could do, and we need to contact client support on XXXX where they agreed to sell the account. However, they refused to close the account or move it to a proper XXXX shell account. They have had us come in now twice to have documents signed and notarized. We have a case with a XXXX XXXX who claims the forms she sent over for us to sign to finalize the XXXX  transfer over a month ago are now incorrect after several trips to a XXXX branch to have the licensed advisor XXXX XXXX validate the forms are really not equipped to support clients with legal document proofing. 


Below is an email we received on XX/XX/2022 Please accept my apologies again for the less than desirable experience you have encountered thus far as it relates to a smooth and successful XXXX XXXX XXXX Account ( XXXX  ) opening. As I XXXX have stated during XXXX of our phone conversations, our XXXX Advisors are not experts with the account opening procedures and they are probably even less informed with maintenance documents required once an account is opened. 

XXXX XXXX ext XXXX I was reviewing your situation today and found that the paperwork we do have that would allow you to trade on the XXXX XXXX  is not in good order and unfortunately at least XXXX form will need to be notarized again due to that form not containing your Drivers License identification information and phone numbers. All fields of the Third-Party Authorization and Indemnification ( TPAI ) Form are required to be filled in. Additionally, this form is required to be accompanied by a XXXX Account XXXX XXXX. 

I have pre-filled both forms for you and they are attached to this email. All we will need is to have section XXXX on the XXXX form completed and we will need to obtain the appropriate signatures and notarization. I did try to see if we can receive an exception for these requirements, however, due to the end of the year workloads each of our departments are experiencing right now, I dont think I will receive an answer very soon and even if we do receive an answer in the next few days, I dont expect that they will XXXX the exception. The XXXX Account XXXX form will require your signature. 

As always, if you have any questions, please do not hesitate to contact me at XXXX ext. XXXX. I will be leaving the office today at XXXXXXXX XXXX. XXXX XXXXe, but I will be available tomorrow morning at XXXXXXXX XXXX XXXXXXXX XXXX. I did have maintenance performed on my work phone application the other day ; it appears to be working now. 

Thank you for your patience and understanding,
Consumer complaint received 2023-07-15
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)

My credit report is showing inaccuracies and inquiries i never authorized..

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 Unauthorized Inaccurate inquiries being reported listed below remove all inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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. (MI)

XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX {$20000.00} Called and sent dispute letters they said they were removed no actions have been taken. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX {$3000.00} called and sent dispute letters they said they were removed no actions have been taken XXXX. ) XXXX XXXX XXXX Account number XXXX XXXX, XXXX {$7000.00} Called and sent dispute letters they said they will removed no actions has been taken. 
XXXX. ) XXXX XXXX : account number XXXX {$26000.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions were taken XXXX. ) XXXX : Account number XXXX {$4500.00} XX/XX/XXXX Called and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX : Account XXXX XX/XX/XXXX {$30000.00} card and sent dispute letters they said they will be removed no actions have been taken XXXX. ) XXXX XXXX bank account number XXXX for XX/XX/XXXX {$30000.00} card I sent a few letters they said they will be removed no actions have been taken XXXX. ) XXXX. XXXX XXXX account number XXXX {$130.00} XX/XX/XXXX XXXX and sent disputes they said they will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX account number XXXX XXXX XX/XX/XXXX {$8100.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) Still in XXXX XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX {$1300.00} caught and sent to spill I said this will be removed no actions have been taken XXXX. ) XXXX XXXX XXXX  account number XXXX XXXX XX/XX/XXXX {$1000.00} card and sent dispute they said this will be removed or actions have been taken XXXX. ) So XXXX XXXX XXXX XXXXXXXX see XXXX XX/XX/XXXX, $ XXXX {$520.00} I have called and asked for this to be removed they said that it would be removed no further actions have been taken
Consumer complaint received 2024-03-06
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. (NJ)

EXPERIAN, XXXX AND XXXX have unverifiable accounts, inquiries and addresses on my credit profile I disputed all items for the last 4 months. In I have not received any results. XXXXXXXX XXXX report a car loan as late for the last 40 months. I have disputed this account several times as fraudulent and I have not received and dispute result yet.XXXX XXXX XXXX refuses to respond to a fraudulent account dispute. XXXX XXXX  XXXX is reporting a account as late and it was never late. I want all items deleted
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NC)

On or around XX/XX/2022 I was updating my repeat order on XXXX and received a message asking me if I wanted to apply for a XXXX XXXX XXXX so I did. After waiting over a month for my card I finally decided to call and find out where the card was. I was concerned that someone else might have received my card in the mail. After numerous attempts, On or around XX/XX/XXXX, a month after applying for the original card, I was not able to reach XXXX XXXX  - XXXX - by phone so I called XXXX XXXX - XXXX - where I was finally able to get a supervisor to ( supposedly ) cancel the card and send a new card which arrived sometime in XXXX - over a month an a half after signing up for the original card. 

Upon receiving the second card, I immediately activated the card via the XXXX phone number on the card. After activating the card, I tried to register for online access at comenity.netXXXX but was unable to do so. No matter what I tried to do ( forgotten password, forgotten user ID etc ) I would receive Big Bright Red Error Messages that worried me due to the unprofessional appearance of these messages. After unsuccessfully trying to reach a customer service rep at XXXX XXXX  by phone ( again ), I decided to call XXXX XXXX ( again- not XXXX XXXX XXXX  ) at XXXX ; but like myself, the XXXX XXXX rep was also unable to reach XXXX XXXX XXXX by phone so they transferred me to a XXXX XXXX supervisor. The supervisor was also unable to reach XXXX XXXX by phone so I asked her to cancel the second card. By this time, I no longer wanted a XXXX XXXX XXXX. 

Now on XX/XX/XXXX, I need to confirm the 2nd card was cancelled but, once again, no one will answer the phone at XXXX & I can not gain access to XXXX XXXX online at comenity.net/XXXX  I don't know if this is because the card is cancelled or because the website and customer service line are both still not operational. 

There is something very odd going on with XXXX XXXX XXXX 's website and customer service line. 

I need to confirm that this card is cancelled right away. 

Also, I do not feel comfortable knowing that XXXX XXXX ( comenity.netXXXX  ) has access to my data and want them to removed all of my personal information from their database right away. I would like confirmation that they have done so. 

I do appreciate your assistance. 

Thank You.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2023-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Aqua Finance, Inc. (AZ)

Hello, my name is XXXX XXXX, and my address is XXXXXXXX XXXX. XXXX XXXX XXXX, Az. XXXX. I entered into a 20 year loan agreement for a new travel trailer in the spring of XXXX. My payments have always been on auto pay through my bank and have never been missed. Initially I wasn't getting a monthly statement from the finance company, Aqua Finance XXXX XXXX XXXX. I contacted them after about 5 or 6 months, and they some kind of excuse then started sending them. Then they stopped sending my statements once again, so I contacted them again and they started sending them again. Now they have stopped sending my statements once again, so I contacted them today, The woman on the phone told me that because I am on auto pay, that I do not get a monthly statement. This is just plain wrong, because everybody should get a monthly statement for their loan, and this should be the law. I am hoping that it is the law. I want this this lame finance company to do the right thing, and provide me a monthly statement for my loan each and every month like they should. I think it is the absolute least that they can do for the money they are making from my loan. 
My loan account # is XXXX and their phone number is XXXX. 
I would appreciate it if you guys can force this company to do the right thing, and adhere to normal loan servicing procedures. Thank you.
Consumer complaint received 2022-09-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX 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
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I had to go to the emergency room at XXXX XXXX XXXX XXXX in XX/XX/2022 and after the physician told me that I did not suffer a XXXX related problem, I asked to be XXXX and allowed to go back to work. No one took notice of my request and thus several people came into the room to do all kinds of tests WITHOUT first explaining to me the reason ( s ) for said tests but also told me that ANY AND ALL fees would be covered by my insurance. I found out later that my insurance did not cover all fees. Consequently I asked for financial assistance and FULL CHARITY was granted to me by XXXX XXXX. Now I received 2 letters from Wakefield & Associates asking me to pay {$1100.00} and {$51.00} respectively for XXXX XXXX XXXXXXXX WITHOUT telling me Who was the XXXX XXXX and for WHAT? On top of that they charge me a fee of {$27.00} and {$1.00} respectively on top of the amounts charged ..... I had no job nor money to pay for these amounts. I recently got a part-time job for 16 hours per week at an hourly rate of {$13.00} before taxes and other deductions, leaving me barely enough to pay for gaz and food, not to mention that I have a XXXXyear old XXXX mother whom I have to take care of. I told whoever called me the first time to collect these amounts that they should contact XXXX at XXXX XXXX and not to bother me any longer. I need your help to resolve this. THANK YOU!
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NM)

I use Chime to take care of my money. Recently charges have been made to my account at a gas station ( XXXX ) in cities I do not reside in nor have I been in. The gas station is called XXXX and there are charges ranging from XXXX dollars to around forty. I have tried to explain this to Chime and have submitted disputes, which were denied the very hour of the very day that I submitted them. 

XX/XX/22 {$45.00} XX/XX/22 {$31.00} XX/XX/22 {$15.00} XX/XX/22 {$40.00} These charges are not valid. These charges also took place in XXXX, New Mexico whereas I live in XXXX XXXX, New Mexico. 

Furthermore, I DO NOT own a CAR or any other type of vehicle. Purchases at a gas station, for fuel, does not make any sense. 

I have tried to work with Chime, it seems as though their AI overrides their human interactions, which would have likely made the difference in these disputes. 

Best, XXXX XXXX
Consumer complaint received 2018-10-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: E*TRADE BANK (MS)

ETRADE : Opened Account on the XX/XX/2018 Deposited Check for {$1100.00} via edoposit on the same date.

Called to verify receipt.

Agent advised a 10 business day hold which was not what their website advised ( 3 business day hold ) Advised to cancel deposit and account, they hung up on me.

Called back, was given to a Supervisor who would not repeat his name after I verified my information and he reviewed my account. Advised ETRADE closed my account and I would receive a letter in 7-10 business days. 
Received letter today ( XX/XX/2018 ) stating the closure of my checking, savings and investment account but nothing about the money I deposited and they are holding. 
Tried to call but no one knew what was going on and that someone would call me back later. 
Bottom line : I opened accounts. deposited money. They cashed the check. they have the money. They closed my accounts. They are still holding my money and will not advise where my money is. I never used this money to invest in any way. I didn't have the opportunity. This is straight up banking at it's worst.
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX to XX/XX/XXXX I have disputed items on my credit report with transunion and XXXX. XXXX and Transunion are great companies this is the first time I have had issues with my credit report involving removing items. XXXX  and Transunion are displaying incorrect information. There are also duplicate accounts on credit report when I only have one account. All accounts are closed because I filed Chapter XXXX. Some accounts were removed and then they reappear and then they remove them and then they reappear. Accounts that are closed are still open and showing that I missed a payment. I have asked that these accounts all be removed. Thank You.
Consumer complaint received 2023-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

PHH Mortgage escrow department sent a notice of shortage for XXXX year which would take affect XX/XX/2023. I received a billing statement ( XX/XX/XXXX ) with less than a 48 hour notice that the payment increased payment would be due XX/XX/2023. I paid my normal payment XX/XX/2023 that did not include the increase because of the discrepancy. I sent a notice in writing by email bringing this to their attention. I also sent a written notice by mail advising that I would not be entering into an escrow payment agreement with them and that would be making the payments directly to the insurance company and county to cover my taxes & hazard insurance myself.
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (WA)

Even When I make on-time payments they refuse to let me pay toward my principle. I have overpaid my bill every single month and not XXXX dollar has gone to the principle There effective forcing me to pay interest indefinitely and when confronted about it they hold their ground that its fair practice despite the fact that every other student loan vendors I have ever had before allowed it. They are a predatory loan servicer.
Consumer complaint received 2022-09-18
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

XXXX is reporting bankruptcy info on my credit that isnt valid Ive called and ask to remove they refused, contacted the bankruptcy court they advised they do not report to the credit bureaus and is unaware of why its showing up.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My name continues to update to a suffix either XXXX, XXXX, etc. My name is XXXX XXXX XXXX. I do not have a suffix at the end of my name. I keep calling and mailing in disputes concerning this. I've also mailed in copies of my ID and SS Card to verify this information. My name is currently showing XXXX XXXX XXXX XXXX. It should be XXXX XXXX XXXX or XXXX XXXX XXXX.
Consumer complaint received 2023-03-03
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. (PA)

I HAVE THESE FRAUD ACCOUNT THATS ON MY FILE THATS REPORTING INCORRECT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2023-03-24
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX