davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

contacted XXXX XXXX XXXX XXXX to report that my apartment had been robbed in XXXX XXXX XXXXnd Id filed a police report. I also explained that I had additional hardships due to the COVID pandemic and a recent car accident, and that prior to the robbery which occurred in XXXX XXXX, I had made timely payments and my account had been in good standing for over 2 years. I was told by a XXXX XXXX customer service representative that I qualified for emergency assistance and interest accrual could be paused/ no payments would be due for 6 months. Assuming theyd keep their word, I used the money I was planning on using to pay off my XXXX XXXX  to pay off all my other debts and relace my cell phone/ laptop which had been stolen during the robbery. My decision to use my savings to pay off debts and replace my stolen belongings was 100 % a result of my assumption that XXXX would honor their promise and that I had 6 months to save up more and pay off my XXXX XXXX card. However, a few months later when I went to check my account, I noticed that XXXX XXXX had closed my card due to non-payment. After calling XXXX XXXX, I was informed by customer service staff that there was no record of my call on XXXX there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. I requested to speak with a XXXX and who told me theyd be able to assist, and after 2+ hours on hold, they hung up on me and never called me back! After that, I was no longer able to access my XXXX account online to make online payments, and calling to make payments sometimes took HOURS. As a result, I got even further behind and my interest kept accruing and now, XXXX years later I owe more than I did back in XXXX. Prior to XX/XX/XXXX, I had an impeccable credit history and record of timely payments, but after XXXX closed my card, my credit score dropped significantly and I havent been able to get out of hole they put me in.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I have been a Wells Fargo customer for more than 35 years. 
Since XX/XX/2021 Wells fargo start refusi ng to follow the laws and regulation concerning my privacy. 
in the last 30+ years Wells Fargo were directing the my mail concerning my account to my po box address as indicated on my account preferences. 
But in the last XXXX  years Wells Fargo has been ignoring my preferences and thjery have been using my street address to mail me. 
Wells fargo is been ignoring my privacy rights and they have been ignoring all my preferences and they have been ignoring my 50+ complaints that I have filed in the last XXXX  years regarding this same issue. 
Wells fargo is been ignoring this issue even in their responses to my complaint at the CONSUMER FINANCIAL PROTECTION BUREAU and at the OFFICE OF COMPTROLLER OF CURRENCY.

They just do not want to hear about it and that for sure is going to cost Wells Fargo some fines for not following the rules and regulations. 
I did files complaints here in the past but that did not stop Wells Fargo from keep Braking my privacy rights and they keep sending me letters to my street address in contrary of what my preferences on my account are. Wells Fargo is still refusing to Use my Mailing address po box .

Today I received a new Letter to my street address from Wells Fargo So here I am filing a new complaint and I am adding this new letter as a new evidence on my new complaint.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (IL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for their failure to process my dispute within the stipulated 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). I find this situation deeply concerning and hope that your intervention will help rectify this matter promptly. 

On XX/XX/2023 and on XX/XX/2023, I submitted a dispute to Equifax 's, reference attached letters, regarding inaccurate information on my credit report. The discrepancy pertains to names that are not mine, addresses that are not mine, an incorrect accounts, incorrect late payment and one account that I didnt open. Understanding the importance of maintaining accurate credit information, I promptly initiated the dispute process to rectify this situation. 

Despite the statutory requirement that credit reporting agencies investigate and resolve disputes within 30 days, I am dismayed to report that Equifax has not taken any action on my dispute within this timeframe. As of today 's date, it has been more than 60 days since I filed my dispute, and I have yet to receive any communication or updates from Equifax regarding the resolution of this matter. 

I want to emphasize that the accuracy of my credit report is essential for my financial well-being and my ability to access credit on fair terms. Equifax 's failure to address my dispute in a timely manner has caused unnecessary stress and frustration, and I am concerned that this delay could have lasting negative implications for my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure that Equifax promptly processes my dispute and provides me with a written response detailing the investigation 's outcome. I also urge you to take appropriate actions to ensure that Equifax complies with the FCRA 's requirements moving forward, as this situation highlights a disregard for the rights of consumers like myself. 
Enclosed with this letter, please find copies of relevant documentation, including proof of my dispute submission and any supporting evidence regarding the inaccuracies in my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address my complaint and hold Equifax accountable for their failure to adhere to the FCRA guidelines. I look forward to a swift resolution and appreciate your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-19
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. (GA)

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. XXXX XXXXXXXX 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 an 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 or 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. This Company is breaking the law if not resolved will file a law suit against the company
Consumer complaint received 2023-05-18
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. (CA)

My student loan was transferred from XXXX XXXX to the XXXX Department of Education XXXX My loans were only shown on my credit report with Great lakes as XXXX accounts. Now XXXX XXXX XXXX XXXX XXXX XXXX every single disbursement I had for school totaling XXXX new accounts on my credit report. I was in the middle of purchasing a home and now can no longer buy a house due to their incorrect reporting to all the credit reports. XXXX XXXX told me my loans were consolidated and now here come XXXX saying they arent consolidated. Why are they showing XXXX new accounts on my credit report doesn't even seem realistic! They have ruined my dream of buying and home and have destroyed my life. I have to seek therapy due to their inaccurate and lieing to the credit bureaus. I am now suffering anxiety and panic attacks due to XXXX XXXX XXXX XXXX and now have to seek medical attention. They have DESTROYED MY LIFE! NOW I WILL JUST HAVE TO BUY A TENT AND LIVE WITH THE OTHER HOMELESS PEOPLE!
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (NH)

Someone contacted me by phone from XXXX and my phone identified the call as being from XXXX, Ga. The woman identified herself as XXXX XXXX from XXXX XXXX and said she was collecting an over {$800.00} debt that went into debt collection from my phone company, which she identified. She asked for verification of my address and birth date. I told her that I would contact my phone company and she said to call back to take care of it. I called my phone company and they said my account was in good standing and I owed nothing. This is disgusting fraud- makes me sick.
Consumer complaint received 2023-05-16
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: AMERICAN EXPRESS COMPANY (IL)

The account in question is American Express Revolving Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a XXXX XXXX account '' when the XXXX XXXX account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (DC)

I was also forced into forebearance, not offered alternatives and have been paying loans for 10 years with no tangible result. High interest rates, capitalized interest, and mucky repayment structures dont allow a borrower to understand their debt and optionns.
Consumer complaint received 2018-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

In XXXX of XXXX, we were informed by US bank that our Mortgage payment in XX/XX/XXXX was going to increase from {$1100.00} to ( currently ) {$1200.00}. We were told it would stay that way until XXXX. The explanation was unclear. We are current on our mortgage and have not missed any payments in the years we were under the HARP loan modification program. As of XX/XX/XXXX, we got another notification that it would increase again due to an escrow shortage. I called US bank and spoke with Representative, XXXX who told me this was due to an increase in our homeowners insurance. After speaking with XXXX XXXX, they informed me that there was an increase but only by {$9.00} a month. US bank claims it to be {$38.00} more. There is an obvious discrepancy that we want investigated. We have had a long miserable history with US bank and have no confidence in the integrity of the company.We also had to battle them legally through 6 years of Bankruptcy for errors on their part that were eventually settled. This is our 3rd time complaining against US bank for unscrupulous practices. We owe less on the home and have been current for years so our payments should not be increasing. Please investigate so we can clear this matter up.
Consumer complaint received 2023-02-28
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. (OK)

This account is reporting an incorrect balance, The account is in fact paid in full, an was supposed to be deleted by XXXX XXXX per out pay to deleted agreement. The account is XXXX XXXX # XXXX the balance due is reporting as {$840.00} the actual balance is XXXX.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MI)

I dusputed a collection on my credit report that they allowed to be added back on. Claims it was from 2010 but had been removed and the credit agency refuses to remove it which is against the law as they can not keep changing the reporting date to keep it active on the credit report
Consumer complaint received 2023-08-12
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. (SC)

I've disputed, several times, via XXXX XXXX and Ceritified mail, that certain entries on my reports with Equifax, XXXX and XXXX were wrong and demanded that they be removed. Neither company has resolved the issue. I also have accounts that do not belong to me still listed on my reports. Some info is as follows : XXXX XXXX XXXX  - Date Opened and Account Amount Equifax XXXX XXXX  - Date Opened and Account AmounXXXX XXXX - Account closed and still reporting active payment history. 7 years since first reported. 
XXXX XXXX - Account doesnt belong to me Accounts without creditor information XXXX  XXXX - Account listing erroneous late payment XXXX XXXX XXXX  - Date Opened and Account Amount XXXX XXXX XXXX Account doesnt belong to me
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK (CO)

On Monday XX/XX/XXXX I made a check deposit in the amount of {$14000.00}. The next Morning, I had received credit for the check therefor I proceeded to use the funds. However, the next day XX/XX/XXXX the deposited check was in pending status and not available like the previous day. I decided I would go in personally to try and resolve the issue. I initially spoke with XXXX XXXX assistant branch manager she suggested I verify with the owner of the check if indeed the check had cleared their account. I proceeded to do just that, I verified the check has indeed cleared his bank and the funds were no longer in their account. At this point I was confused as I no longer had the funds in my account and it was not in the payers account so where was the money? Since my attempt to resolve the issue with XXXX XXXX was in vain even though I did as she suggested, I decided to email the branch manager XXXX XXXX ( which took over an hour to get contact info as XXXX was hesitant and insistent she was the only branch manager and refused to give me any other manager names I called 3 different locations to get the branch manager contact info as I knew XXXX was being untruthful contact info is not readily available online ). XXXX responded stating the reason the funds were not available is due to the inability to verify funds with the payers bank ( XXXX XXXX ), as stated before the payer verified the check had cleared the account the day before XX/XX/XXXX. I included the payer in the email, so XXXX had verification this was the case. At the end of business day XX/XX/XXXX my account was not credited the funds nor were the funds in the payers account, so the question is where are these funds? According to XXXX the earliest the funds would be available is XX/XX/XXXX. So where are the funds for the 8 days there not in either of our accounts? This has been the 4th occasional this year alone were a large check deposit is held even though it has cleared the payers account. I do not feel this is standard practice and do feel there must be more transparency when dealing with large amounts of money.
Consumer complaint received 2023-05-15
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. (CA)

This complaint shall be considered a follow-up to my previous complaint which contains some disputed items which I believe to be fraudulent and erroneous I want the disputed items to be removed from my file for they do not belong there Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2023-05-15
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. (DE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 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 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
Consumer complaint received 2017-04-01
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (WA)

Hello, I am not getting a refund of {$89.00} from National Bank of Omaha credit card company. I have talked to them on the phone 2-3 times and documented emails agreeing to send this refund. It 's been more than a month and they are still running me around. Please advice. Thank you.
Consumer complaint received 2023-05-15
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. (CA)

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 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 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 2023-05-15
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2017-03-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Chaplain Financial Services LLC (MA)

I recently have been getting a call from a XXXX saying that I owe a debt. The person named XXXX does not identify the agency that she works for or says where the debt is coming from. I did get an email saying that I owe money from XXXX, but it does not give specfics of when I took out the alleged loan and that there has been multiple attempts to contact me and I have not responded. When I google Chaplain Financial it comes up as scam. The call back number is XXXX
Consumer complaint received 2024-02-29
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. (PA)

My name is XXXX XXXX and this is not a third party. The following credit reporting agencies are taking advantage of me, and as a result I am continuously being denied credit. Experian, XXXX, XXXX and XXXX XXXX. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).