davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CT)

XXXX XX/XX/2022 Story regarding the institution named below, WELLS FARGO Wells Fargo Letter dated XX/XX/2022 Application # XXXX Identity can't be verified letter dated XX/XX/2022 Application # XXXX Identity can't be verified Documents faxed as requested to XXXX Successful delivered at XXXX EDT on XX/XX/2022 See Attached Fax sent to XXXX ( Wells Fargo ) on XX/XX/2022 asking status and documents, passport, utility bills ( XXXX XXXX  XXXX XXXX sent again. 

Filed complaint to CFPB on XX/XX/2022, # XXXX CFPB confirmed sending copy of complaint to Wells Fargo XXXX 

Fax Again Real-time Fax Status Real-time Fax Status : Successfully Sent Fax Info Date : XX/XX/2022 XXXX XXXX  PST Receiver Name : Wells Fargo Visa Receiver Company XXXX Wells Fargo Receiver Fax XXXX XXXX XXXX Subject : XXXX Page Count : XXXX ( including cover page ) Letter from Wells Fargo XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Were responding to your concerns Case number : XXXX Application number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX SIGNED BY : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Wells Fargo makes another enquiry to XXXX on me, XXXX XXXX. 
See attached Letter from : Wells Fargo Letter dated XX/XX/2022 Application ( now ) # XXXX Identity can't be verified See attached
Consumer complaint received 2020-04-02
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX  XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Delta Management Associates, Inc. (CA)

XXXX, an administrative wage garnishment hearing company, was hired by Delta Management Associates ( XXXX, MA ), a student loan wage garnishment company, to rule on my wage garnishment appeal due to financial strain. 

My appeal application and financial documents were sent to Delta Management Associates, but they did not respond as to the status of my appeal. 

On XX/XX/2020, I spoke with a representative at Delta Management Associates who told me my written statement hearing would occur on XX/XX/2020. When I asked the representative why I had not received notification of the hearing, she was unable to provide an answer. 

On XX/XX/2020, I received a Notification of Written Administrative Hearing, dated XX/XX/2020, and postmarked XX/XX/2020, the day after I spoke with Delta Management Associates. The XXXX  notice stated I had 10 business days to submit any documentation for the hearing and the documentation had to be received by XX/XX/2020, the very next day. 

On XX/XX/2020, I left a voicemail for XXXX XXXX regarding me appeal. XXXX did not return my phone call, but instead XXXX XXXX returned my call. I spoke with XXXX XXXX of XXXX and asked why the notice dated XX/XX/2020, was not sent until XX/XX/2020. XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX why I was only given 1 business day to send my documents, but she was unable to answer and said she would have the hearing officer contact me. I asked her what documents had Delta Management Associates forwarded to XXXX for the hearing, XXXX was unable to provide an answer and said she would have the hearing officer contact me. I asked XXXX if the Notification of Written Administrative Hearing had been back-dated, since it was postmarked the day after I spoke with Delta Management Associates. She was not able to provide an answer and would have the hearing officer contact me. Furthermore, when I asked why my mailing address was incorrect, XXXX accused Delta Management Associates of providing the incorrect mailing address. 

Today is XX/XX/2020, and the hearing officer has yet to contact me. In addition, I have not received a ruling on my appeal from either XXXX or Delta Management Associates. 

XXXX XX/XX/XXXX : Delta Management Assoc says appeal hearing scheduled for XX/XX/XXXX XX/XX/XXXX : XXXX sends Notification of Written Administrative Hearing XX/XX/XXXX : Notification of Written Administrative Hearing received at my address XX/XX/XXXX : XXXX XXXX of XXXX is unable to provide any answers to my questions XX/XX/XXXX : Due date of appeal hearing documents XX/XX/XXXX : Appeal hearing date XX/XX/XXXX : I have yet to hear from XXXX  or Delta Management Associates in regards to my appeal
Consumer complaint received 2020-03-24
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. (IL)

TransUnion credit report agency apply incorrect information to my profile identity.The credit file number # XXXX, have several credit card accounts, several fraudulent identical names with different middle initial attach to my credit profile information, and their are several fruadulent address to my identity. My credit report information have wrong social security number attach to my profile.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

hello credit card dispute - tdbank credit card # XXXX Amount {$27.00} company XXXX date of charge XX/XX/XXXX i received product XX/XX/XXXX or so and tried to contact the company as product was defective not as shown and did not work as shown could not contact and no reply for email. Merchand website no longer there .could not mail back the product as from address was not complete and it was from XXXX . So contacted tdbank on XX/XX/XXXX and dispute the amount. said they will send paper work but did not get any. said do not pay the dispute amount. again i called XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and so on and each time they said they will reopen as case closed and when asked to speak with supervisor or manager, not available will call back today and get a call 3 days later. finally i received the paperwork on XX/XX/XXXX and i faxed it to tdbank XX/XX/XXXX. why cant they take a scanned email copy so i have proof of receipt? today i got a phone call saying the dispute is closed and i have to work with the merchant? why? i already tried so why cant the credit card company take care as promised? 
please help attaching the dispute and credit card transaction thank you XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked to see a bankruptcy. This suspicious item is not mine. Please remove it from my report.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. I have recently obtained a copy of my credit report and discovered inquiries from creditors with whom I have no association. These inquiries are unauthorized and fraudulent.
Consumer complaint received 2020-04-02
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. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked to see a bankruptcy. This suspicious item is not mine. Please remove it from my report.
Consumer complaint received 2023-02-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

I have called Navient several times about the inaccuracies on my credit report. My account was in deferment and then transferred to a new servicer and I call and informed them of the delinquent marks on my credit and they say that they are not reporting what Im seeing. I keep disputing the errors and they do not update it. It is reporting delinquent on XX/XX/XXXX, XX/XX/XXXX on my XXXX report.
Consumer complaint received 2020-04-02
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: FORD MOTOR CREDIT CO. (UT)

Ford Credit reported my account 30 days past due in XXXX or XX/XX/2019 even though I had made arrangements to pay half at one time and the other half to follow. I was only late on half the payment they agreed to extend briefly. It was paid as agreed on. When I called, I was told this entry would be removed, but when I dispute through CFPB nothing has been resolved.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (FL)

Experian, obviously has incentive arrangements with different lenders for Experian financial gains and has given several my personal information, SS # and other information for the purposes of a loan that never applied for. These lenders have pulled my credit, again without my consent. They refuse to acknowledge it and correct/remedy this problem. 
I am filing this complaint to correct this issue and want to use any legal services available to make sure it doesn't happen again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2021 my bank ( Navy Federal Credit Union ) sent me letter for the transfer of {$18000.00} to XXXX XXXX XXXX  in XXXX XXXX which i requested. I provided them this account number ( XXXX ) on the check and this address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ) but they omitted the XXXX XXXX. 

The check went and it was endorsed and cashed at XXXX XXXX XXXX  on XX/XX/2021 onto Account Number XXXX. 

XXXX XXXX contacted me again that they have not receive the money. I went back to Navy Federal Credit Union on XXXX XXXX, XXXX to inform them of what has happened. They sent me to go to XXXX XXXX XXXX  to ask about the account used to cash the check if the account belong to Navy Federal Credit Union in XXXX XXXX and i did. XXXX XXXX XXXX  told me that they can not deal with me since the check came from Navy Federal, so they have to open fraud investigation and work with their fraud investigation team. I went back to Navy Federal Credit Union, and they are not willing to do it. They are trying to distance themselves. 

I have also called Navy Federal Credit Union also to investigate the account use if it was for them and transfer the money to close my loan account and they are also refusing to do that. I have provided them a copy of the check and the endorsement and my statement that show the transfer of {$18000.00}.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-03-24
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (FL)

No contract with Transworld System INC!!! Cease and Stop all communication methods. I do not recognize any debt of {$16000.00} to XXXX University. This account was sold to a third party. Therefore, theres no CONTRACT so please stop harrasing me and sending letters. Also, I recommend that you remove the account from the credit bureaus.
Consumer complaint received 2020-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DCN Holdings Inc. (CA)

I have asked DCN Holdings, Inc. DBA XXXX do not contact me last week, again Monday, XX/XX/XXXX I was contacted by this agency at XXXX XXXX  I told them to stop harassing me, but again they called at XXXX and I didn't answer. I have listed my phone number on the do not call registry since XX/XX/2011.
Consumer complaint received 2020-03-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sequium Asset Solutions, LLC (IA)

Company called me about an account with XXXX XXXX XXXX. I called them back on XX/XX/XXXX and told them I had written communication from XXXX XXXX XXXX that stated they were not sending my account to a collection agency, I was working directly with XXXX XXXX XXXX on this account, and that I was disputing this debt. They never asked for proof. They never started an investigation into my dispute. They reported my account to the credit reporting agencies without listing it in dispute which is a violation of FCRA 623 ( a ) ( 3 ). 
When I called them on XX/XX/2020, they stated they never started the dispute process or any investigation. Violation of Furnisher Rule 660.4 ( a ) and 660.4 ( e ).
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (FL)

I hold a credit card with Wells Fargo Bank. I reviewed the statement, considering using it during the Corona economic disruption. I discovered the interest rate is more than 22 %. In Florida usury rate is 18 %. Today ( XX/XX/XXXX ) I called the credit card unit at XXXX ( I had previously submitted an online request and didn't hear back ( possibly XX/XX/XXXX or XX/XX/XXXX ) and asked them to decrease the interest rate - especially since interest rates are so low. 

The representative offered me a 'payment plan '. This was quite silly because I didn't say I had any problem paying, I just had an issue with the interest rate being usurious. 

The representative reiterated that no adjustments were being made in interest rate, but I could do a balance transfer with a 4 percent fee on the balance transferred for a 2.9 % 12 mos period. Again, that didn't address the issue of the overall rate being so high and usurious.

It seems Wells Fargo continues to ignore Consumer protection legislation. Very sad.
Consumer complaint received 2020-03-28
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)

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have tried to get this one item off my report due to it being over 7 years old with no luck. The account in question is XXXX XXXX Acct # XXXX. I have tried 2 times without any success.
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

A check to pay my Conn 's XXXX XXXX account was mailed on XX/XX/2020. They received a check in the amount of {$670.00} and it was deposited to their account with XXXX XXXX. It was deposited on XX/XX/XXXX and the account number was written on the check. I have called Conn 's 21x since XX/XX/XXXX because they kept claiming they never received it. I placed a trouble ticket and after my 15th call someone finally escalated the issue. I uploaded the check to prove that Conn 's cashed it. I have been calling every other day and the only response I receive is that they are working on it. Meanwhile, the interest keeps accruing. 

The check was mailed to the address listed on their website in XXXX, TX.