davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I opened a Wells Fargo Everyday Checking account on XX/XX/XXXX, funding it with a {$25.00} deposit from my XXXX XXXX savings account. Everything went through an the account appeared in my online banking. I then also redeemed {$25.00} of cashback from my Wells Fargo credit card, so my account balance should have been {$50.00}. A few days later, I got an email stating my account would be shut down. I then went into a Wells Fargo branch to deal with it, and what they did was create a cashier 's check for {$25.00} and use it to open a new account. They said that the {$25.00} deposit from my XXXX XXXX savings account had been rejected, and that they would return it to XXXX XXXX, but the money never came back. When I called, they said they couldn't fix it, so they stole {$25.00} from me and will not return it even when I call. 

Additionally, I got another note today saying that the new checking account is being shut down too. I have called multiple times to answer security questions and they keep incorrectly claiming I failed, and will not help keep the account open. I have answered the security questions correctly over 6 times, but they will not help.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I disputing the validity of this account from XXXX XXXX XXXX the account is hindering me from obtaining new credit. ive been denied several times because of this account. this account has been written off on XXXX XXXX XXXX XXXX  as a business write off. per the IRS publication XXXX this is now icon on my end. so if this is considered to be income for mw than why is being reported. my pay check isn't being reported so why this. I have to pay taxes on it and it's still reporting thats fraud on behalf of the furnisher XXXX XXXX XXXX. this also is a violation go y consumer right. 


XXXX, XXXX, & Experian have all violated my rights according to 15 usc 1681e and 15 usc 1691 I. please deleted this repossession of off my credit Ive given the car back come on guys what's up with all the fraud going on. this is secures fraud at its finest.
Consumer complaint received 2019-06-28
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: Experian Information Solutions Inc. (MO)

How did the student loans ended on my credit report? They do not have a place here. It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! US DEPT ED XXXX, XXXX XXXX, The following accounts do not reflect their accurate status. They were taken cared of. I paid them in full as agreed. It is not accurate, take them off XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX/XXXX XXXX
Consumer complaint received 2017-03-15
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (NJ)

Within the past few months TD Bank implemented a new way of applying transactions to personal accounts. If there is a pending charge ( s ) on the current day that would overdraw your account, and funds are transferred on the current day from another TD Bank linked account you are still accessed a {$35.00} overdraft fee per transaction. There is an option to take automatically have money from a savings account transferred to cover, but you are still accessed a $ XXXX fee. These fees are robbery and need to be addressed. XXXX oversight in record keeping can cost {$100.00} - $ 300 month just to catch back up. 
People in lower income brackets can not afford this it is not fair.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

As of my XXXX credit report on XXXX Equifax and XXXX. Never open a XXXX credit card don't know anything about XXXX credit card I didn't say a fraudulent activity. Attempting to dispute at all levels. File a complaint with attorney general 's office consumer protection as well. XXXX
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I have been attempting to get a HELOC for over 3 weeks. I have reached out to Equifax on multiple times requesting that they release my information for these loans. The interest rates and equity fluctuate with the market. They are costing me money and valuable renovation time with holding up the release of my credit file. The first 2 weeks they advised there were no blocks, finally someone told me to send my DL and SSC on Friday XX/XX/2022. While this was the first time requested I immediately faxed to the provided number XXXX. I was told this would be updated immediately. Unfortunately that was not the case after following up again and spending a total of about 3 hours on the phone I was advised that it could take up to 5 days before my information is corrected. This is an abuse to me and costing me higher interest rates and delayed projects because of their systems and insufficient staff to adequately resolve customer issues!
Consumer complaint received 2023-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I believe Mohela is incompetent in their handling of student loans. I applied for the SAVE plan for my direct loans. I was approved and had been on SAVE, but I randomly logged into my Mohela account, and they switched me to Level - the highest, most expensive repayment plan. Multiple people have been having this issue and it is impossible to reach customer service rep. I have been on the phone for over 2 hours and unable to talk to anyone.
Consumer complaint received 2017-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my report
Consumer complaint received 2018-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have nearly {$400000.00} in student loan debt processed by XXXX. In XX/XX/XXXX I had requested to change my income driven payment option from income based repayment to Pay As You Earn repayment. The process placed me in forbearance for greater than 1 year and I had lost XXXX payments toward public service loan forgiveness. I was not informed that this income based repayment transition would take up to 1 year and that my interest would capitialize during the forbearance process. 
I have requested a detailed account of all my payments in XX/XX/XXXX, despite many repeated phone calls I have not yet received my payment audit nor an explanation why I was in forbearance for 1 years for a simple payment option switch. 
Each time I call I am told nothing can be done and to call back in a month. This has been dragging out for over a year. This is unacceptable of a government organization.
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (TX)

I have a checking/saving account with Ally Bank XXXX I was sent a check to deposit which ended up being fraudulent. I was not aware of the check being fraudulent. I asked to cancel the deposit. I destroyed the check. It was sent to me from an online relationship. The bank proceeded to freeze my account. I had money in the account to pay my rent and they returned the check for my my rent. This caused me to receive an eviction notice. They have not allowed me access to my funds for over a week. This is not acceptable. I need access to my money. I asked them to just close the account and send my funds to a new bank. They will not do that. I have never had a bank behave in this manner. I have had fraud investigations before for fraudulent activity on my account but my account was not frozen so that I could not access my funds. In this day and times, individuals have people that access their credit information and abuse their information. Unfortunately, this is the norm today. This is my income that that they have frozen. This is my livelihood. What right do they have to freeze my income? They have now cost me additional fees due to the returned check to my landlord.
Consumer complaint received 2015-09-23
Product: Consumer Loan — Title loan
Issue: Lender damaged or destroyed vehicle — 
Company: TMX Finance LLC (TX)

A few years ago I found myself between jobs. I reluctantly Took out an Auto Title Loan. I only needed XXXX Yet the Agent convinced me that if I were to increase that amount to XXXX that the interest would be better. I was late on a payment and they reposed my car. When the car was finally returned to me after two weeks, all of my I.D . including XXXX XXXX XXXX, Drivers License, and Special I.D . to allow entrance to XXXX XXXX XXXX Sites were stolen. The car stereo was broken and everything from the trunk to the glove box was gone. I did file a Police Report and have that number. Since then I have been forced to pay over XXXX dollars for a XXXX Loan. A day does not go by that I do not contemplate XXXX. Please help. Thanks
Consumer complaint received 2023-06-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account 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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

For years I have repeatedly tried to update my personal information with the company. They have repeatedly misspelled and use different names to LINK erroneous, fraudulent accounts to me. Recently, I have been called by XXXX XXXX XXXX. This name was used to manipulate, switch addresses and LINK accounts to me. When I call and give them my correct information they use it to LINK the account to me, instead of removing the ERRONEOUS information. There are 2 other people in my state with the same name and year of birth. When I mail them proper documentation ( ID, Social Security card ) they lie and say they never received the information. Every piece of documentation Ive ever sent has been by certified mail so I have the dates. This company lies puts fraudulent/erroneous information on reports for profit. Collection companies then extort people for money because people have no other option. Ive seen multiple addresses, phone numbers and names used to fraudulently link accounts to my name. Ive also sent them court cases in which erroneous accounts were thrown out because a judge found that the information was erroneously being attached to me. I have provided the court information and a copy of my Social Security card and ID. 

What I realize is these companies try to get you on the phone to GATHER information from you. They then use the information to change it on your credit report and do so-called updates. Their goal is to find a way to LINK information to you, even if it isnt yours because thats how they make money. What is going on is criminal and these credit bureaus are in place to EXTORT money from people, not to report fair and accurate information. 

Ive been unemployed for 4 years and have done odd jobs because of this treatment. 

Erroneous accounts : XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-19
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 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 . Or a list of inquiries : 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 2022-05-17
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. (FL)

In according with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 USC 1681 section 602 8 state I have the right for privacy 15 USC 1681 section 604 A section 2 also state The consumer report agency can not furnished my account information without my written instructions.
Consumer complaint received 2022-05-17
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. (TX)

In accordance with the Fair Credit Reporting act 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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.
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

bought a cell phone on XXXX withing chase credit card .but we found the item was used and damaged instead of as described brand new unopened box. so we contacted XXXX and chase credit card company right away, XXXX XXXX and seller admitted the fact the item was used XXXX agreed to change the charge, but had to go through chase credit because XXXX XXXX wont handle the transaction. so we contacted chase many many times they didnt do anything to protected customer instead they sent this transaction to credit agency.to lower my credit score
Consumer complaint received 2022-05-17
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
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. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-17
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. (SC)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AK)

XXXX XXXX Account # XXXX. 

XXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX have reported my private information without my consent. XXXX XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete XXXX XXXX Account # XXXX.
Consumer complaint received 2020-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (FL)

XXXX XXXX Last 4 Ss # XXXX DOB XX/XX/XXXX Security Credit Service Reporting a account on my credit on behalf of XXXX XXXX a company that Was already disputed several times and removed from my credit report because whatever or whomever they are is trying to collect from a fraudulent account they are aware that I'm a victim of identity theft and they keep attempting to collect on a debt that I don't owe. I'm in the mist of purchasing a home and if this dropping of my credit score affect that for a fraudulent account this will also serve as a notice of Suit for injury caused by Security Credit Service and XXXX XXXX.