davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (PA)

n accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Fedloan Help (VA)

I was told that the Fed Loan Help company was taking over my student loans and giving me a payment at a much lower rate based on my income and the XXXX that I XXXX. I was told that the money I was paying Fed Loan Help was going towards paying my regular student loan payment as well as a XXXX $ fee for 4 months for their services. 
I was informed by Fed Loan Servicing that my loans have been in forbearance since XX/XX/2016 and no payments have been received by Fed Loan Help. This is not what I was told on the telephone and I would never have agreed to such contract. My loans should never have been put in forbearance and payments that were directly withdrawn from my account should have been used towards my student loan balance ( as I was told ). Fed Loan Help is a scam and did not fulfill what I was promised over the telephone. How are they affiliated with Department of Education when DOE has no recollection of what they are communicating to customers?
Consumer complaint received 2022-12-27
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 Orions MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-04
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00}.
Consumer complaint received 2023-07-04
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. (MI)

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Consumer complaint received 2022-12-12
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. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Consumer complaint received 2023-07-04
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. (LA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-24
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)

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2017-05-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MA)

This compan y, Transworld Systems Inc. keep s calling and leaving messages that we ( they do not specify who they are calling for ) have an outstanding debt that they are calling to collect. They do not say who, where, what amount. We have no outstanding debt. I do not know what this is about and do believe if I call them to " resolve '' the problem I will get anywhere.
Consumer complaint received 2015-12-31
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NPS GROUP (KS)

XXXX with the NP Group XXXX called me about a online loan that he was trying to collect on. He had my social security number and the last XXXX of my checking with an address I lived at from late XXXX until XXXX XXXX. He said the original amount was XXXX but with the fees and interest it was at XXXX now. He said I could pay XXXX to satisfy this debt. I asked for the name of the company the debt came from. He told me XXXX XXXX XXXX. I asked him for their contact info at XXXX XXXX XXXX and he told me that he did not have that. I do n't believe this is a real debt and suspect it it is a scam.
Consumer complaint received 2020-01-04
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. (FL)

Today, XX/XX/2020, I received a call from my bank regarding a mortgage application I filed. I was shocked to learn that accounts for which my son had listed us solely as authorized users were counting against our credit score. We are not now nor ever have we been financially responsible for these cards yet this is counting against us. This is patently unfair and this practice needs to stop at once.
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (PA)

I reported the fraud within 1 day of the charges. I have submitted proof there was absolutely NO WAY I completed the transactions. I canceled the card and changed all passwords and access codes to prevent future fraud. I reported it to the police who agrees to press legal charges against the people who are responsible and I provided the police report number within the day of the incident. I included the report made to the police and I called and verified all items were turned into chime that I could show indisputable proof the charges were fraud. I called all merchants to report the fraud charges and they ALL SAID CHIME HAD TO ISSUE CHARGE BACK ON THE CHARGES IN ORDER FOR THE MERCHANTS TO CANCEL THE SERVICES I WAS ILLEGALLY CHARGED AND UNTIL CHIME ISSUES A CHARGE BACK THE THEIF HAS CELL PHONE SERVICE THAT I PAID FOR!!!! THAT IS COMPLETELY UNJUST!!! 

CHIME DENIED THE FRAD COMPLAINT AND SAID ALL CHARGES WERE VALID AND AFTER I ONCE AGAIN SHOWED THEM THAT THEY ARE WRONG WITH COMCRETE PROOF THEY SAID IT COULD TAKE UNTIL XX/XX/2023 UNTIL A ANSWER IS GIVEN AND UNTIL MY FUNDS ARE REFUNDED. 

CHIME CLAIMS THAT FOLLOW FDIC RULES AND REGULATION and also advertises they follow visa fraud back program but they are not in my case and I demand they help me and follow the standards and procedures they are governed to follow.!! 

RE : Account Number : XXXX Claim ID : XXXX Fraudulent charges all are from XX/XX/XXXX ; I provided proof I was 100 % unable to make the charges ... XXXX {$13.00} ... {$20.00} ... {$29.00} ... {$33.00}.
Consumer complaint received 2023-06-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MD)

I recently opened up an Apple Savings Account, which I believe is actually run/managed by Goldman Sachs XXXX XXXX ). There was no problem opening the Savings Account online, and no problem having cashback deposited from my XXXX Credit Card directly into the Savings Account. 

However, now that I'm trying to withdraw money from the Savings Account ( from accumulated cashback from my Apple Credit Card ) to my personal checking, XXXX now tells me ( on XX/XX/2023 ) that I have to " verify '' the checking account I'm trying to withdraw funds into. XXXX opened a text chat window ( on my XXXX ). After texting with customer service, the XXXX told me that I have to call ( can not text/chat ), and have to do so between XXXX XXXX Monday to Friday. ( It was Saturday afternoon when I was trying to take care of this. ) Honestly, this feels like a huge bait-and-switch. XXXX pushed this XXXX Account very heavily through my XXXX ( before sign-up ), and I don't remember needing any information other than my SSN to sign up ( in addition to my name, address, etc. which I already have on file with XXXX and which I believe was entered automatically ). It seems very shady : ( a ) to not actually have a full/working account upon sign-up, ( b ) to hide this fact until XXXX XXXX ( in my case, weeks later ) when the customer attempts a first withdrawal, and ( c ) to then give the run around ( chat, then told to phone but only during certain weekday business hours -- whereas " opening '' an account seems to be available XXXX/XXXX/365 ). 

At the very least, I should be able to apply my Savings Account balance as a payment to my Apple Credit Card ( which I opened long before the Savings Account ) without going through this verification process. Instead, XXXX XXXX XXXX XXXX me up '' for an account that isn't actually fully mine ( yet ), insofar as I can't access the money in any fashion until I take additional verification steps ( and on XXXX 's XXXX ). 

To be blunt, I'm not sure I would have signed up for the Savings Account in the first place if I had known I was going to have take these additional, not-at-all-quick-or-easy-or-online steps later.
Consumer complaint received 2023-06-14
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2017-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

I had an account with  BBVA compass.. th ere were a couple of items I had disputed with them and even provided documentation to them showing them the money came out from another account. They had given me credit back and when I tried to close the account, they then reversed the credit, making my account  XXXX  negative..right at the time I tell them to close the account. This means  one th ing to me only and that is they do not care about customer service and because I wanted to close my account, they decided to reverse the credit, even though I provided them with documentation that I paid for it using another account. Very disappointed in how bbva handled my account and I will never ever bank with them again. To me they are no different tha n   XXXX   XXXX
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

I was going through severe financial difficulty due to a divorce and job loss. I went to my local Wells Fargo Branch to get a debt consolidation loan. The clerk that helped me told me to get a credit card instead. I told them I would not qualify for a credit card due to my income and debt situation. I really wanted a debt consolidation loan. Instead, the person helping me filled out the credit card application with a fraudulent income. An amount far higher than my actual income. They told me to pay my bills with the credit card and then we could get a debt consolidation in the future. I used the card and went back a few months later and they declined me for a debt consolidation loan. Later, I couldn't pay for my credit card ( that I shouldn't have been given ) and defaulted. Wells Fargo got a judgment for the balance. Later, when Wells Fargo was national news for opening fake accounts, Wells Fargo contacting me AND PAID ME {$4000.00}!!!! I thanked them and did not join the class action lawsuit! They said the were just trying to make things right. Now, 4 years later, they are trying to Garnish {$54000.00} from my account. XXXX XXXX, the wells Fargo attorneys say I owe {$27000.00}. 

In summary, Wells Fargo opened a fraudulent account, paid me {$4000.00} to apologize so I wouldn't join the class action lawsuit. Now, years after the dust has settled, they have frozen my bank account stealing {$20000.00} already and trying to get {$54000.00} when their own attorneys say I owe {$27000.00}.
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

My bank account ( XXXX Acct ) was used by XXXX XXXX ( a customer of Synchrony Bank ) to pay her Care Credit card. I did not authorize her to do so nor do I know this person. It seems like her bank account is a digit off of my account number and was used accidentally. I filed a police report with the city I live in, I filed multiple complaints to XXXX XXXX  and with the CFPB and I am still out money on this issue. In total the amount taken from my account was {$1200.00}. This was over months - XX/XX/XXXX to XX/XX/XXXX. I didn't realize this wasn't my account being paid until XX/XX/XXXX ( I too have had a Synchrony acct ). I know the woman 's name and her care credit card but that's the only information I have since the bank won't give me any information due to privacy rules/laws.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CT)

I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX
Consumer complaint received 2021-11-24
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: CLGF Holdco 1, LLC (DE)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2023-02-27
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

Good Evening, XXXX XXXX here again, yes Navy Federal Credit Union eventually with so much outside interference approved the wire or we had to resubmit the wire from ( ACCT # ending XXXX ). on XXXX XX/XX/XXXX, I missed an entire closing for a real estate clearly listed within the wire that I will not be compensated for because of individual 's in the branches of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; as well as : XXXX XXXX XXXX XXXX, GA XXXX. I was still liable for those expenses incurred during this " XXXX inquisition '' I endured. And I would like some type of direction going forward as well as my expenses incurred to actually have faith and belief in this financial institution ( Navy Federal Credit Union ) which clearly had XXXX implications with me being a XXXX XXXX American. 

Kind Regards, XXXX XXXX