davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

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 2023-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (AZ)

Navient continues to call me using an auto-dialer even after advising them they do not have permission to call my cell phone with it. They are also harassing me with numerous calls a day. 
They are calling from XXXX Here is a list of recent calls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX calls in 7 days is excessive. Especially the daily wake up call
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-10-05
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. (GA)

In accordance with fair reporting act XXXX  reference # XXXX, XXXX XXXX XXXX XXXX, reference # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. 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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NY)

I was charged overdraft fees of {$35.00} when I should not have been charged on more than one occasion.. the funds that were said not to be in my account were in fact available in my account. I was also charged numerous times the XXXX XXXX  monthly fee when I should not have been charged. I met the requirements to not have to pay that {$10.00}. For example last month XXXX they charged me the XXXX XXXX  monthly fee and should not have. As we as the two months before XXXX and XXXX.
Consumer complaint received 2023-01-20
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: JPMORGAN CHASE & CO. (IL)

In XXXX, I initiated a cash-out refinance on my home with XXXX XXXX XXXX Due to an administrative error, XXXX XXXX inadvertently included a relatively low-interest Chase credit card on the list of cards to be paid off and closed within the loan documents, so rather than scrap and restart the process, I agreed to close the Chase account and have it paid off. After the refinance process was complete, I assumed that all accounts were successfully paid off and closed, until I received a call from a collection agency the following year regarding a debt owed to Chase for {$220.00}. I contacted Chase and explained the situation, and they agreed to disregard the additional interest charges and penalties and accept a payment of {$75.00} to settle the debt, based upon the original unpaid interest charge of {$73.00} on a final payout of {$6700.00}, which was apparently due to the fact that Chase received the payoff check from XXXX XXXX XXXX DAY after the final statement due date. Again, I thought that the matter and account were closed, but the following year, after being denied several applications for credit, I learned that the top of my XXXX credit report highlighted my former Chase account as an Account with Adverse Information with multiple delinquencies of 120 days following the account closure, despite all other payments on my entire credit report being on time. Upon contacting Chase to request the removal of the Adverse Information from my credit report, I was told that when I created a Chase web account to print off a final statement for XXXX XXXX, I allegedly agreed to only receive electronic communications from Chase on my soon to be closed credit card. Chase could not produce any evidence of electronic notifications sent to me regarding the account or additional charges, but from my email records I discovered that the only email that Chase had sent to me was a notice that my online account ( on my closed credit card ) had been suspended because I signed in from an unknown device. Chase continues to deny that the Adverse Information on my credit report is inaccurate and misleading and refuses to have it removed, so it will remain there and ruin my credit report for XXXX more years. While XXXX allows a consumer statement to be included on the credit report, it not only appears below the Adverse Chase information, but its buried at the very bottom of the credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2023-03-06
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts have been reported inaccurately and I request that they be removed from my credit report XXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Collection Account I have carefully reviewed my credit report and have found that these items are not accurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report. 

Furthermore, I would like to draw your attention to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt XXXX from using abusive or harassing tactics when attempting to collect a debt. The collection practices of these companies have caused me undue stress and XXXX 

I request that these items be removed from my credit report as soon as possible. If the items are not removed within the legally required timeframe, I will be forced to take legal action to ensure that my rights under the FCRA and FDCPA are protected. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-20
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: BARCLAYS BANK DELAWARE (PA)

I tried to open a credit card account but was denied. They stated I had a card in XXXX  that I never had. I have been trying to remove the fraudulent information but keep getting the run around. No one can help me there.
Consumer complaint received 2023-01-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-06
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: WELLS FARGO & COMPANY (VA)

I have been a victim of identity the '' and my information was used to open a credit card with Wells Fargo DILLARD department store. I noticed the crime because I got text messages from DILLARD to pay my credit card with balance of XXXX. I have never been inside of a DILLARD department store and I don't have a bank account with WellsFargo. I called Dillard to report the fraud, they are currently investigating the issue and suggested me to open this police report and put a freeze on my credit report with al 3 major credit unions. Here 's the info I got from my XXXX. 

Account name WF/DILLARD Account number XXXX Account type Credit card Responsibility ) Individual Date opened XX/XX/XXXX Status Open. {$130.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance ( i {$2.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$110.00} Credit limit P {$5.00} Highest balance i ) {$2200.00} I also notice that all credit unions have a fraudulent address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX 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 2023-01-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

We purchased our home in XXXX. We had a substantial job loss. I made multiple attempts to work with Wells Fargo to avoid foreclosure. They denied my requests everything. They changed the locks illegally. I called them to get them to let us in to get our things out. They sent the keys and when we went in they had ransacked our belongings and stole thousands of dollars of things out of the house. They finally foreclosed on our home in XXXX after numerous attempts to work with me on our payments.
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (TX)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-05-20
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. (TX)

please see identity report. i have consistently disputed fraudulent accounts taht are results from identity theft on my credit profile with all three credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX on my XXXX, XXXX  and Transunion credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine & Weiner is on my credit report for XXXX XXXX and XXXX I did a XXXX XXXX  this was on their this should be removed right away off of my account.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Hey I should not have a XXXX  account!!!! I should not have a balance! I keep reading on my reports that an account is open, AFTER telling them twice to close it, then you guys take their side with no proof.after I verbally told them I have no account and to close it, now im convinced that this is a scam, they also ran an unauthorized credit check on my report, they have no proof I have agreed to anything.because I didnt this was all fraudulent activity for several monthsso none of you will help? My next step is legal action, because im not sure who phone is being notified but its not mine my email is never notified either I havent even gotten mail from these people regardless of what they say
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (NY)

In XX/XX/XXXX I noticed XXXX charges on my account that I didn't make. The date of the transactions were XX/XX/XXXX. XXXX charge was for {$52.00} and the other charge was for {$9.00} from a company called XXXX. I called my credit card company, Fortiva and informed them that I did not make those charges. On XX/XX/XXXX they credited me back for both of the charges. Then on XX/XX/XXXX they put the charges back on my account. I called Fortiva and asked them why they put the charges back and was told the after their investigation they found I'm responsible for these charges. They wouldn't give me any further information about their investigation and stated I would receive an explanation in the mail. I called Fortiva 7 times to see why I haven't received the investigation letter in the mail. After months of waiting, my XXXX call I spoke with a representative the under and spoke XXXX and he finally had the letter sent out to me. The letter that I received didn't have much information. Not even a phone number from the place where these charges were made. There was a website listed on the letter and I got the phone number from the website. The person at this company also could barely speak XXXX. When I asked her to tell me what it was that I supposedly purchased, she stated that should couldn't find any information on a purchase because it was a year ago. This supposed purchase was in XX/XX/XXXX. After much frustration, I called Fortiva back and let them know that I contacted the company and they didn't have any information about these charges. The representative at Fortiva was not helpful at all and insisted that since they had my address, phone number and email address, these charges are legit. This is not a whole lot of money but it's the principle of the matter. I have no problem with paying for something that I purchased but I am not willing to be wrongfully billed for charges I did not make. I hope that you can help me with the situation. I would really appreciate it. Thank you for your time.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have tried to fix this problem and have told the company I had fraudulent activity and my cards were stolen there are many more things on my credit file I have not opened and my wallet was stolen many many times to where I have had personal information taken and tried to be used and I dont know what to do
Consumer complaint received 2023-03-06
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: ID Analytics, Inc. (IL)

I have contacted this company for many times, I sent letters so many times as well, requesting to have my credit report corrected and verified but until now no further actions were taken. There are so many accounts that are reporting incorrectly and have no proof.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I opened up this checking account on XX/XX/XXXX, for the bonus promotion. I deposited {$50000.00} 2 weeks later and held the deposit in there for over 60 days ( which was required to get the bonus ). I should have received a {$1000.00} bonus per the terms and conditions of the bonus but I have not received anything yet. Please credit my {$1000.00} bonus as the terms stated.

I contacted Citibank and they said that I did not have a W-9 on file. I submitted it again on XX/XX/XXXX through my Business banker XXXX XXXX. Today is XX/XX/XXXX and I still have not received it. Please credit me the {$1000.00} and please waive the next statement 's checking fee since I have a low balance ( due to the fact that the bonus should have been paid already ).
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

They draw my money from my account and I called and I did small claim but the representative from Wells Fargo want to negotiate with mi with half of my money she told me they didn't have any pictures of drawing the money and she agreed.. but as a wells fargo employee they have to negotiate with half.. I decided to see the judge and he told me it took me too long to do the small claim I took to the court the bank statement that I didn't open because I thought the money was save in the bank I didn't even have a alerts activated to my account... the weird thing on this is my limit during the day was XXXX XXXX.. why this people was able to draw more them a XXXX dollars per day??? Total amount they owe me is XXXX dolares. I really appreciate if the call me XXXX