davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TN)

It appears that Wells Fargo is up to its old ways of opening new accounts without permission. In late XX/XX/2022, I received a statement for a Wells Fargo Everyday Checking account dated XX/XX/2022. The statement was initially sent to an old address and forwarded by USPS. Per the dates included in the statement, the account was opened on XX/XX/2022. At no time in XX/XX/2022 did I ever contact Wells Fargo to open a checking account. I do have a credit card with them, but no other accounts. As well, the credit card statement comes to my correct address. Additionally, the checking account does NOT show up in my online account with Wells Fargo. 

I contacted Wells Fargo on XX/XX/2022, at ( XXXX ) XXXX and spoke with a representative, and made them aware that the account was opened without my request/permission. I was transferred to someone in the " fraud department ''. They supposedly closed the account and give me case # XXXX. Subsequently, I received a statement dated XX/XX/2022, but since it was shortly after my initial call I ignored it. Yesterday, I received another statement, dated XX/XX/2022. This leads me to believe that the account was NOT in fact closed at my initial request, so I decided to file a complaint.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (CA)

To whom it may concern My name is XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. While checking my most recent credit report I noticed several credit inquiries that I did not authorize, made by the following companies listed below. I am writing to provide proof of me filing an FTC and a CFPB complaint in order to have all inquiries removed from my credit Report due to fraud. I have listed all accounts below. They were placed on my credit report starting dates on XX/XX/XXXX and XXXX, XXXX, with some duplicates on the same dates. I thank you in advance for your cooperation. 
XXXX XXXX XXXX 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
Consumer complaint received 2020-06-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am applying for a mortgage. My credit was pulled and Equifax returned a score of XXXX on XX/XX/2020. I noticed information I thought was incorrect and filed a dispute and no updates we made based on dispute. On XX/XX/2020 my score was checked and they returned a score of XXXX which is now going to cost me $ 1000s of  extra in interest. The company has been unable to explain why my score decreased despite no additional information. As far as I can tell filing a dispute cause my score to be lowered.
Consumer complaint received 2019-02-12
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)

TODAYS DATE : XX/XX/XXXX To Whom It May Concern : IN RESPONSE TO CFPB:XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

XXXX  Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX  Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX  Inquiry from XX/XX/XXXX Credit Union XX/XX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX   Inquiry fromXX/XX/XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks XXXX   Inquiry from XX/XX/XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.

XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2023-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

Request # XXXX Representatives refuse to get me in contact with Supervisor after uploading docs on several occasions. XX/XX/2023 If my Venmo account closes between now and the end of the day they are simply retaliating because I requested to speak to this representatives boss ( XXXX XXXX ) He asked me for a bank statement that shows my card information he must be from a third world country because card information does not show on your bank statement.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Westcreek Financial (PA)

I chose koalifi twice at check out because they did payments for what seemed like a fair amount. If this item is not paid within 90 days, their fees skyrocket. They do not accept returns as they claim, my tires I purchased didnt fit and they wanted to charge me {$200.00} to return them- unused! I have since paid more than what the items even cost and they want 3xs the amount in what Im guessing are fees. When you choose Koalifi at check out it does not make all of the terms known. My acceptance email alone says nothing. Do 60 seconds of research about this company. I wish I had. In my attempts to reach them they state they cant locate my account, I sent them the screenshots below, my name and the account numbers are listed. Also something MANY people report that they do.
Consumer complaint received 2020-01-05
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: Debt Recovery Solutions, LLC (MA)

Debt Recovery Solutions agreed to delete an account from my credit report and the account still shows on my credit report, this company agreed to this after a complaint that was filled by me as the consumer. I called their office to ask, why the account isnt being deleted and now theyre telling me that a manager needs to review it. This has been going on for more than 4 months and I know that this process should only take about 30 to 60 days to complete, I want Debt Recovery Solutions to provide me with a letter from their company where they say, that they agreed to delete the account and that they sent request for deletion to all the credit bureaus that the account is being reported to. I need this letter as soon as possible and thank you very much.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

I have tried over the years to get my credit report from XXXX  free  XXXX  XXXX  and cant. Also with XXXX  on their website I can never get my reports.
Consumer complaint received 2020-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Two loans taken out on XX/XX/XXXX unsub XXXX, sub {$5500.00} for fall term XXXX. I withdrawn on XX/XX/XXXX winter quarter XXXX. Funds were not returned to the lender ( Bank of America ). Unsub and sub loan funds were used in creating two Unauthorized unsub ( {$3300.00} ) and sub ( XXXX ) loans on XX/XX/XXXX changing grade level from ( 3 ) to ( 1 ) and listing on all four federal student loan disbursement notice incorrect total loan amounts. All four notices listed {$10000.00} ( 2 ) and {$10000.00} ( 2 ). All four notices do not have loan ID # numbers on my NSLDS. Unauthorized second MPN for direct loans was not signed by me. The XXXX University employees in the financial aid forged my signature by typing my name on an unauthorized MPN for two loans {$1000.00} and {$8500.00}. Grade level, credits earned, and ungraduated status, changed to Graduate student were changed and other loans taken out. Loans were hidden from and listed on general ledger as fall, spring, winter and summer charges. Part-Time student tuition fees added to standard allowances plus loan fees totaling XXXX. Overcharging me tuition/fees {$88000.00}. Police report filed forged signature and fraud. DL loans listed as financial aid funds on student general ledger. Bank of America wont produce loan documents because I never signed a any loan applications
Consumer complaint received 2018-05-18
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has posted five different amounts on for same account number to my credit accounts. Furthermore, I never entered into any agreement with them or the people they represent. I never signed any obligation or promise to pay nor am I accepting any charges to me from either. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has also reported two different amounts on same account, as well as a payment, none of which are mine. I have never entered into any agreement or contract with them or their client obligating me to pay any amount. 

I have disputed all amounts and accounts with TransUnion, XXXX and XXXX several times, yet they have not resolved the inaccuracies. 

I have never agreed to, or opened any accounts, with these reporting companies so how can they destroy my credit?
Consumer complaint received 2020-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)

HI My name is XXXX XXXX This company AR RESOURCES INC I don't even know what is it its reporting me as collection but I don't received a notice or anything I move to XXXX XXXX XXXX XXXX, FL XXXX I don't think is fair they just do such thing in a person that doesn't even know XXXX XXXX
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-26
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: EQUIFAX, INC. (LA)

Equifax response was for me to list all inquiries that are fraud and needed to be removed. Also they have the police report in the system already. Below are the inquiries as follows : XXXX XXXX XXXX G Address Date of inquiry XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  Address Date of inquiry XXXX XXXX XXXX XXXX, WI XXXX XX/XX/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 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 2018-05-18
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. (TX)

First, I have since my drivers license and my Social Security card to each credit bureau. There is a name on my credit report by the name of XXXX XXXX that should be delete it I have no association with that name. I have verified who I am what account should be deleted but the police report that was submitted to each credit bureau. However, My credit report still shows that I have delinquent or miss payment accounts. I know that this is XXXXXXXX XXXX activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those accounts. The only accounts I should have open or from my credit report still shows that I have delinquent or missed payment accounts. I know that this is torture night activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those fraudulent accounts. I wish to have removed from my credit report that I have serious delinquent accounts and missed payments. The only open accounts are my student loans, one credit card Thats it!
Consumer complaint received 2024-04-08
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

On XX/XX/XXXX I tried to use this card to buy water, food and to pay for a public transportation pass and for all of them they got declined I called them up and they said just try another store so i did and no matter that i did it didn't work no matter what where i went and no matter how much money i had spend on the card.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

I had a credit with Chase XXXX XXXXs for {$530.00}. 
On XX/XX/2022 I used the credit to purchase a ticket through Chase XXXX XXXX 
The Ticket cost was the same {$530.00}. 
Despite this Chase charged my credit card {$150.00}. 
i messaged Chase and the referred me to the Chase XXXX XXXX  telephone number. I was stuck in a loop of representatives, where no onw could explain the charge or remove it.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX has been erroneously reporting the account as being 90/60/30 days past due as I was paying the debt down and has verbally refused to change i, t although I get all of my proof from their website. To be clear here is what happened. I opened a short term loan with them, paid them as agreed with a few of the payments being not in full, but at least half. They continue to report to the credit reporting agencies as 90 day deliquent past due, as the balance was being paid down
Consumer complaint received 2019-12-26
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. (MD)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to XXXX, XXXX  XXXX, Experian late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.
Consumer complaint received 2020-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX, I called PNC bank to close my checking, reserve, and savings account. The person I spoke to claimed that they could close my reserve and savings account but not my checking as there was a payment pending. They told me to call back once it had processed and I could close my account. I called again on the XXXX to be told that it still hadn't cleared and they could still not close my checking account. After double checking that there were no more pending transactions, I called on the XXXX and asked to close my checking account again. PNC told me that they could do that and we went through the process of closing my account, after which they confirmed that they would mail me a check for the remaining balance. I said that was fine and was under the belief that my checking account with them was officially closed. Days later, on XX/XX/XXXX, I received letters from PNC dated from XXXX XXXX that they had not closed my checking account despite asking and saying that I had wanted more time before closing it, which was a lie. I immediately called PNC and they claim that I said I did not want to close the account, despite having been assured that it was previously closed. Because they did not close my account, a random charge went through today ( XX/XX/XXXX ) and therefor my account was in the negative. They then claimed that they could not close my account with pending transactions and that I would accrue fees due to their oversight. I confirmed with them that when I called on the XXXX my account was in good standing and that even if it took XXXX hours to close the account that there were no outstanding pending transactions during this period so it should have been closed. While trying to fix this issue and speak with a manager, the PNC representative I was on the line with hung up on me. This lead me to go into my local branch and speak to the branch manager XXXX XXXX who claimed she also had no authority to close my account and that she would escalate a claim with their consumer relations department. I called PNC back again to attempt to close my account and they claimed they would try to rectify the situation but did not call me back at the end of the business day. At this point, my account will accrue continual overdraft fees due to PNCs error and refusal to close this account and all I want is this to be fixed. I would rather deal with collections than deal with the runaround from PNC for another second.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (OR)

Hi, There is a lot of old addresses on my credit report. I would like them removed because I am looking to buy a house in the near future. Because of identity theft and other things, I want the old addresses gone and i don't want someone claiming to be me at the old address. 

Thank you!