davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AL)

Wells Fargo Rewards credit card is engaging in usury. I am in a catch 22 with this company. My payments are normally {$60.00} per month, but for some unknown reason lately I have been assessed a {$70.00} monthly interest charge where I am having to double my monthly payment to {$140.00} in order to keep up with the payments. This incidents brings to mind student loans where the student makes payments but instead of decreasing the balance, the balance increases. I am a senior citizen with a fixed income and this can not continue. I called Wells Fargo hoping to switch to a non-interest bearing credit card, but the phone rep acted as though I was speaking in Greek. When I suggested that I should close this account, he was happy to oblige me instead of working with me to apply for another credit card that does not charge a usury monthly interest.
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Collection Systems, Inc. (TX)

Specialized Collections Systems. INC. is attempting to collect an alleged debt of {$17.00} After the alleged debt has already been paid in full to the original creditor XXXX XXXX XXXX on XX/XX/XXXX ( Receipt Attached ). I did not receive a letter from Specialized Collections Systems. INC. until XX/XX/XXXX nearly a week after the debt was paid to the original creditor. Their notice was sent to me after the original creditor was paid. A debt dispute letter was sent to Specialized Collections Systems. INC. via USPS certified mail ( attached ) on XX/XX/XXXX along with a copy of the Receipt showing the debt was paid in full. Disclaimer : This information does not show I agree to the validity of the alleged debt being claimed against me.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have called several times BANK OF AMERICA and reported that someone used my SSN to open a savings account last XX/XX/2023. I was alerted thru XXXX that an inquiry was done. They told me they will investigate. This is the second time that my SSN was used to open a credit card thru Bank of America without my knowledge. I already put a credite freeze and lock on my credit report. Last year. I want all this to stop and it keeps on happening with the same bank. My name is XXXX XXXX. I live in XXXX XXXX XXXX CA.
Consumer complaint received 2023-01-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (WI)

On XXXX separate occasions I spoke to customer service and loan resolution " experts '' even taking over an hour of my work time to go through financial details in order to work out a plan for some sort of loan repayment. 
I was told I maxed out my in school loan deferment- even though I am still enrolled in school full time working on my XXXX XXXX XXXX. At one point I had to conference call my co-signer who is now an elderly woman living on a fixed income. The account resolution individual was so rude to my co-signer he made her cry multiple times. 
His resolution was nothing. Nothing changed, he demanded payment in full each month and offered XXXX resolutions even knowing that I am XXXX XXXX XXXX and XXXX XXXX- with an elderly co-signer on a social security fixed income. 
Sallie Mae even after going through these processes continues to call XXXX to XXXX times a day and mails letters reporting the account past due and delinquent. I have talked to everyone offered " who may be able to assist me '' with zero assistance and resolution.
Consumer complaint received 2023-01-02
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. (CT)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$350.00} XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX  Balance : {$2600.00}
Consumer complaint received 2023-03-01
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: The CMI Group, Inc. (ME)

I checked my credit report recently and have a delinquent account listed for {$250.00} which is having a negative impact on my credit score. 
The creditor is listed as being : XXXX XXXXXXXX XXXX After doing some research of my own I think they are related to or a part of XXXX. 
My credit reports indicate that this delinquent account was opened on XX/XX/XXXX I did have cable and internet services with XXXX at one point but I paid off that account sometime around XX/XX/XXXX when I canceled services with XXXX and switched to my current provider XXXX XXXX 
I was never contacted about this supposed dept and am trying to get some form of debt verification from XXXX XXXX XXXX. I only became aware of the delinquency when I checked my credit score. If they can provide adequate verification showing that I owe the debt I will make arrangements with them to settle the debt. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Connecticut XXXX
Consumer complaint received 2023-05-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This complaint is to inform the CFPB that Transunion continues to violate procedure in case of disputed accuracy 15 U.S code Section 11681i. 
In a previous complaint filed in regards to XXXX XXXX XXXX, I stated that Transunion has taken more than 30 days to respond to my request to conduct a reasonable investigation. In regards to XXXX XXXX XXXX XXXX partial account number XXXX On XX/XX/XXXX I sent a certified mail with XXXX pages of the lease agreement which did not bare any of my signatures. Along with a letter asking for a reasonable investigation. Included in this correspondence, I included a copy of my state issued drivers license and a copy of my XXXXXXXX XXXX tax return, showing that I did not live in XXXXXXXX XXXX during that time. The written signatures sections on the leasing agreement sent to me by XXXX XXXX is actually blank. 
NO ACTUAL PROOF THAT I SIGNED THE LEASE ADDENDUM. XXXX XXXX then send me a threatening letter informing me that they would not do any investigation on the matter and that the item would remain on my credit file. Which is a violation of 15 U.S.C. 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
As of today, Transunion has just decided to respond to my correspondence. I submitted information regarding this matter on XX/XX/XXXX. I just received a response from the credit reporting agency dated XX/XX/XXXX stating that the item is verified. From XX/XX/XXXX to XX/XX/XXXX is 52 days which is a violation of The Fair Credit Reporting Act. This act allows 30 days to conduct a reasonable investigation. This incorrect information on my credit report has caused me to be denied for a home loan. My next option will be seeking remedies for damages. I have presented more than enough evidence that I did not sign a lease agreement with this company. And Transunion continues to ignore the evidence. I have encountered an overwhelming amount of disrespect from this company in regards to this item on my credit file. This company should be embarrassed to call themselves a consumer reporting agency.
Consumer complaint received 2023-05-29
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. (NV)

n accordance with the Fair Credit Reporting act XXXX  collection bureau of 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 2022-11-07
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. (VA)

I have written to all there bureau for over 60 days now no response back, I also written XXXX XXXX these agency are giving me the run around. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681, section 6 o 2 stated I have the right to privacy,15 USC 1681 section 6 o 4 a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

On all three bureau they have reported late payments for car, and a credit card late payment. 

I also wanted to make a complaint regarding a bankruptcy that is begin reported by all three bureau 's and XXXX XXXX, I have requested documents to show proof of were they have received this information, I have contacted the bankruptcy, courts they stated they did not authorizes any reports, So all sent letters and called to have this information removed and show me proof of how they received it. 

I have advised each bureau and XXXX XXXX I would be filing a complaint. I will give you 30 days to respond back to me
Consumer complaint received 2024-01-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon disputing the information with the creditor, XXXX XXXX XXXX, they provided a payment history document that includes details of another person with the name of XXXX XXXX. This erroneous document raises serious concerns about the accuracy of the information provided by the creditor. 
Account Information : -Account Name : XXXX XXXX XXXX XXXX Number : XXXX -Date Opened : XX/XX/year> I am troubled by the fact that XXXX XXXX XXXX XXXX can not guarantee the accuracy of the information they provided, as they mistakenly included the payment history of another individual. This oversight demonstrates a failure on the part of the creditor to provide precise and reliable information to the credit reporting bureaus. 
I want to emphasize that the late payment dates reported on my credit file do not accurately reflect the resolution of the delinquency. 
Given the uncertainty and potential for inaccuracies in the information provided by XXXX XXXX XXXX, I urge TransUnion to conduct an independent and thorough investigation into this matter. It is imperative that the credit report accurately reflects my financial history, and the reporting of late payments that have been resolved must be corrected promptly.
Consumer complaint received 2023-03-03
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. (FL)

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

XXXX XXXX Acct : XXXX XXXX  Acct:XXXX  XXXX XXXX XXXX Acct:XXXX  XXXX XXXX XXXX Acct: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 a 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 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Reliable Credit Association, Inc. (UT)

Reliable Credit is reporting on my credit that I was late on XXXXXXXX XXXX XXXX. I ask they remove the late as I had no way of making payment. At this time, I was driving with my sister and she got into a really bad car accident and I was the passenger. I was severely injured and ended up in the hospital. Usually my husband takes care of finances if anything like this were to happen but he was in XXXX as was most of the family. As soon as I got home, I got current but during my time in the hospital and inability to move or do much I was unable to make payment.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

I chose Chime Bank because they don't charge monthly fees and it's been ages since I've had to walk into a bank anyway. That's basically their only selling point. I don't think we are advanced enough as a society to get rid of brick-and-mortar banks just yet, sadly. 

Basic bank features provided by other banks are like pulling teeth with Chime. My main issue is a simple mobile check deposit. This has been going on for years actually. They turned it off sometime in XXXX and they always give me the same answer, they turned it off due to " certain risk factors. '' They never tell me what exactly the risk is or how to fix it, I basically just have to deal with it and use a check cashing service even though I have a valid checking and savings account and credit card with them. There's nothing they can do and they refuse to do anything. I spoke with a representative again today and he gave the same answer ( XX/XX/XXXX ). 

In response to that, I'm forced to use a check cashing app, XXXX XXXX, which isn't helpful either but it's basically my last resort. I am a XXXX  XXXX and XXXX XXXX  and both of my main employers still pay by check. My employer, XXXX XXXX XXXX XXXX XXXX uses XXXX XXXX XXXXXXXX to process my check stubs. He offered to send my money through another service, XXXX but they aren't compatible with Chime. He refuses to use XXXX XXXX, XXXX, or XXXX, which I have all of because of scams and risks to the company 's accounts. He's old school and it's a small business. 

XXXX XXXX unfortunately charges a fee to get my money immediately which is why I need Chime to turn on the mobile check deposit ASAP. They don't charge small amounts in cents, they take a pretty big percentage, up to {$25.00} worth for each check. I'm not exactly rolling in dough so I need every cent I earn. If I wanted to pay fees I wouldn't bother with Chime at all. If I don't want to pay a fee, I have to wait 10 days. Lately, XXXX XXXX has been giving me issues where checks I try to deposit decline or an error in the system makes me have to resubmit checks. This is making me nervous and delays my checks. 

On XX/XX/XXXX, I tried to deposit a check and it came back as declined. XXXX XXXX told me to try again. It declined again on XX/XX/XXXX. My employer called XXXX and they said that the check was paid out on the XXXX ... so where is it going!? This is too many ropes and hoops to jump through to do a simple thing. XXXX is still working on the issue as we speak and Chime refuses to do anything. If they could just turn on this important and basic bank feature I wouldn't have to go through this and I can get my money in time. 

Chime is owned by XXXX XXXX  I have made a complaint to them as well. I also contacted the Federal Reserve Consumer Help Center and they referred me to you and I hope this will be the last time I have to tell this story.
Consumer complaint received 2023-06-07
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. (MS)

My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Experian, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items that I have diligently identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution. 

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK (TN)

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Consumer complaint received 2023-02-21
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2023-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

I am being harassed by Navient, although I received approval for debt relief from the Federal government, which is unfortunately on hold due to a court order, however, I received an email on XX/XX/XXXX from XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX serviced, but yet still being harassed for payments by Navient. Navient made claims that I was not eligible for debt relief, only Direct Loans were qualified, however, I did receive an email confirming I was approved prior to the court issues. When I told Navient to stop calling to only communicate to me by email on XX/XX/2023, I still continue to get calls, and now calls from another number but still XXXX XXXX XXXX twice on XX/XX/2023, and again on XX/XX/2023, it was Naivent calling and harassing me, when I repeated to no longer call me, the person on the phone continues to ask me for payment and would refuse to listen to my request for no phone calls. Can you please assist me or how this company can be reported and prevented from calling me?