davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My student loans were discharged in XXXX of 2022 after I applied for the XXXX student loan discharge program. It was XXXX through XXXX but they are telling me that they are not the ones to report that information to the credit bureaus. I then reached out to the credit bureaus to ask about who has been reporting my student loan status for the past 7 months since it has been discharged and they told me that the holders on the student loan accounts are XXXX XXXX XXXX  and that only they can make changes. I also reached out to XXXX XXXX XXXX and they told me XXXX should be reporting since they were the ones to discharge the student loan. I then disputed my student loan with the credit bureaus for showing inaccurate information and status and the report came back as ; correct posting that the information on my report that reflects it still having a balance is accurate. Both XXXX and XXXX XXXX XXXX have confirmed that my student loan is paid in full and that my balance should be {$0.00}, closed paid in full.
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (MN)

I purchased jewelry at XXXX XXXX XXXX in XXXX XXXX, MN. with the understanding that I could pay it off in six months with no interest. Much to my surprise, I received a Wells Fargo Credit Card with the first monthly bill. I did not ask for and did not want a credit card. I have never used the card and have paid the monthly bills by check. 

I am submitting this information because I received an e-mail which I believe may have come from the CFPB asking if I have ever received a Wells Fargo credit card that I did not request or want.
Consumer complaint received 2024-03-11
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. (FL)

XXXX XXXX XXXX XXXX - I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT XXXX XXXX information on my credit report is not XXXX  XXXX compliant *Experian shows incorrect balance amounts *XXXX  shows date last active as XX/XX/XXXX, but Experian shows XX/XX/XXXX *XXXX  shows date of last payment as XX/XX/XXXX, but Experian shows XX/XX/XXXX *XXXX  payment history is different than payment history on Experian report NONE OF THIS MAKES SENSE - I'VE DISPUTED THIS SPECIFIC INFORMATION SEVERAL TIMES AND EXPERIAN CONTINUES TO RESPOND THAT THE INFORMATION HAS BEEN VERIFIED. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EXPERIAN REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EXPERIAN IS REPORTING IS METRO 2 COMPLIANT AND ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EXPERIAN OTHERWISE MULTIPLE TIMES. XXXX. XXXX - XXXX I HAVE PREVIOUSLY DISPUTED THIS ACCOUNT *not Metro 2 compliant *XXXX shows date last active as XX/XX/XXXX, but Experian shows XX/XX/XXXX *XXXX  shows date of last payment as XX/XX/XXXX, but Experian shows XX/XX/XXXX AGAIN, NONE OF THIS MAKES SENSE. I'VE DISPUTED THIS SPECIFIC INFORMATION MULTIPLE TIMES AND EXPERIAN CONTINES TO RESPOND THAT THE INFORMATION IS VERIFIED AND ACCURATE. IMMEDIATELY DELETE THIS ACCOUNT FROM MY EXPERIAN REPORT OR PROVE TO ME THAT EVERY PIECE OF INFORMATION EXPERIAN IS REPORTING IS METRO 2 COMPLIANT AND ACCURATE DESPITE THE FACT THAT I HAVE INFORMED EXPERIAN OTHERWISE MULTIPLE TIMES.

Do not send me another stall letter advising that you can not prove my identity, as I have attached my credit report, drivers license, SS card and proof of address to this complaint. Immediately delete the items listed above from my credit profile, as I have requested disputed and requested a full verification of all information multiple times, yet the information continues to report inaccurately, which I have proven by also attaching my XXXX report, which is reporting different information than Experian despite multiple disputes as well. You don't get to just pick dates and information to report on my profile without confirming that they are accurate for years on end ... wasting my time, money, energy... .causing me higher interest rates and denied credit ... claiming you verify the information when you don't. DELETE THIS INFORMATION IMMEDIATELY SINCE YOU CAN NOT GET IT RIGHT AND FAILED TO DO SO FOR YEARS.
Consumer complaint received 2022-11-24
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. (MI)

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. 

XXXXXXXX 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, 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 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention certain inaccuracies that have been reported on my credit report. As a responsible consumer, I believe it is crucial to maintain accurate credit information, and I kindly request your assistance to rectifying the following errors : 1.Account name : XXXX XXXX  Account number : # XXXX Inaccuracy : Incorrect information on balance, payment history, account status, comments and dates. 

I have attached supporting documents that substantiate the inaccuracies mentioned above. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. I kindly request that you conduct a thorough investigation into these inaccuracies and take the necessary steps to correct or remove the erroneous information from my credit report. 

Additionally, I would like to emphasize that the continued reporting of inaccurate information reflects negatively on my creditworthiness and financial standing. I kindly request that you update my credit report promptly to reflect the accurate and up-to-date information.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/ I want to a Bank of America ATM to deposit cash. The ATM gets broken and didn't return my money, instead it gave me a receipt saying that it cant process the transaction or return the money, that I need to call and a claim. It took {$1000.00} dollars. I used the atm on the side of the one that broke and deposit {$350.00} which went through. A few minutes after I realized that they closed both of my bank accounts. I called customer service and it was closed. I called on XXXX XXXX  and the rep told me to call back later that she cant give me any information about MY ACC. I called again and other rep just told me she would do a claim. I called on XX/XX/XXXX and other rep told me they closed my account and that there wasnt a claim for the atm problem, so the person who I spoke with on the XXXX lied to me. I spent almost 3 hours on the phone and they just transfer me to different department and no one had an answer for my money or a reason on why the accounts are being closed. I called again last week and I asked about my money, the representative told me they have given me a credit for the {$1000.00} dollars and transfer me to risk dept. I asked them if I can go to a branch and withdraw the funds and they told I have to wait after XXXX XXXX  to receive the {$1000.00} plus the money that was on the account. I deposited cash and I do not understand why I have to wait almost 2 months to receive my money. They must have already checked the atm. The atm also showed me that it had counted {$1000.00} but he couldn't return it. Since XX/XX/XXXX the risk department has been very disrespectful with me, when I asked them something they kept quit and didnt answer me, they hung up the phone on me. On XX/XX/XXXX I spoke with XXXX XXXX the manager in Texas for Risk Department and he treated me very bad. I made a claim 2 weeks ago and I received an email on the XXXX from regulatory complaints from Bank Of America saying to call them to verify Im the one making the complaint. I called on the XXXX, they didnt answer and I left a message. They said they would call me within 48hrs and it has been more than 48 hours. I sent them an email on the XXXX and one today XX/XX/XXXX and Im still waiting for an answer. I need my {$1400.00} as soon as possible.
Consumer complaint received 2024-03-11
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. 
Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I've previously disputed that this Bankruptcy account from the XXXX XXXX  XXXX XXXX XXXX IL is reporting inaccurately and should be removed from my credit report. You guys claimed that it was verified, which is odd because I've checked with the XXXX XXXX  XXXX XXXX XXXX XXXX IL and they have told me that they don't report to any credit Bureaus. I then told XXXX XXXX  that they were reporting this bankruptcy inaccurately and they deleted this account from my credit report immediately. So again I'm confused on how you verified this account if the furnisher you have reporting says they don't even report to you guys and XXXX XXXX deleted the whole bankruptcy from my consumer report. Yall have committed fraud against me and if you do not decide to delete this account from my credit report after receiving this complaint you will be violating 15 USC 1681n for negligent compliance and I will have no choice, but to take you to small claims court to take legal action against you as a federally protectedconsumer.
Consumer complaint received 2023-07-28
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$430.00} {$430.00} {$250.00} Credit Limit : {$250.00} {$250.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Late 90 Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK Experian XXXX XXXX XXXX OK OK OK XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than XXXX business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-12-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander repossessed my truck after 5 years of me making payments and its insured and registered. They claim that Ive never made a payment and that if I want the truck back I have to pay {$20000.00}. Santanders executive office said they have record of {$18000.00} in payments from me on my principal but their financial department said that wasnt true. The tow truck company that they said has my truck wont call me back or answer my calls and Santander wont give me a record of my payments that Ive made.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (WA)

I opened a new high yield saving account on XX/XX/XXXX with XXXX, part of the Key bank. I transferred some money. The fund has been being locked and under review. I am not able to log in the website. I tried over 20 times to log in and it always says system error. In the past 38 days, I called XXXX customer service 3 times and it is still not resolved. 

I got a letter from KeyBank on XX/XX/XXXX stating my account could be a fraud. That's rude.. What makes you think it's a fraud? The frustration of opening account and irresponsiveness of review process make me think this bank is a fraud. 

I called KeyBank customer service but they asked me to call XXXX.. OK then why did I receive a letter that says to contact XXXX This bank, in my experience, fails their cirtical operations with customers.
Consumer complaint received 2018-04-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

After I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, The original servicer, USAA bank had already started transferring the servicing of the loan to XXXX  on XX/XX/XXXX. Once again trying to collect on a debt that they cancelled in XX/XX/XXXX. 

I am asking once again that their lien be removed because USAA has already collected over {$80000.00} from me in payments. I did not accelerate lien in any way. The servicer USAA canceled the debt before acting on the lien in XX/XX/XXXX generating revenue for me. They did not however release the lien. Now they are trying to seize my home with the lien by way of foreclosure, and simultaneously trying to collect the debt by transferring the loan to another servicer XXXX.
Consumer complaint received 2022-12-06
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-03-11
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. (FL)

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.