davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX {$1300.00} I have been in contact with this agency several times, first class mail, certified mail, return receipts and still no response. I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Consumer complaint received 2023-12-18
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: Experian Information Solutions Inc. (FL)

I am FILLING THIS COMPLAINT AGAIN because the following inaccurate imprecise information still not accurate and some accounts are need to be deleted from my credit report. The items are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (NJ)

This company XXXX XXXX XXXX XXXX XXXX used to supply water to the office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I work, their services were terminated for non-performance. they did not deliver the water to the office they have been delivering the water bottles to the wrong business XXXX XXXX. 
However, because of erratic performance and resultant services termination, they wanted us to pay for all the services that were delivered at the wrong office. Because of the disagreements, they went ahead and took the account to collection. Not only that they reported it as personal debt on my credit which is an abuse of credit law 1. XXXX XXXX XXXX is a registered business entity and not the same as me 2. I Never personally guaranteed any services 3. Deliberately putting an incorrect reporting on my personal credit wrong and unlawful 4. I have called many times to make them correct this anomaly but they refused 5. I do not reside at this service and this purely a business place 6. u can not slam someones credit because you have access to it 7. I didn't enter into any personal agreement or contract with them
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp. (ME)

For the past month I have been receiving 3 to 5 phone calls everyday I asked them to call me less that I understand that I have a debt and will pay when I receive a bill in the mail I have yet to receive a bill but still am getting 3 to 5 calls a day and they leave a voice-mail everything they call
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

A number of years ago i had someone use my social security number to access lines of credit and open credit cards, since then there has been multiple accounts opened in my name with different addresses, phone numbers and employment details that are incorrect. This is not my address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This is not my employer ; XXXX This is not my phone number ; XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

3 months ago sofi said they were investigating my account so they froze it. In the past 3 months nothing has been done and all.they said 1 month ago was that it was going to be closed. They refuse to give me access to my money. It's been 3 months and not one explanation or access to my money. They are committing fraud and trying to keep my money. They are rude and no help when I call. I explain it's been 3 months and nothing has been done.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (GA)

Every few years, I've received a call about an 12 year old Wachovia acccount. I have called XXXX XXXX and Wachovia in the past and they have no information about the account or who's contacting me. I have obtained a consumer report that has no trace of this account. Now there is a law office threatening to serve me with a lawsuit if I do not pay. It has been every couple of years that I am contacted but the last time when they threatened to sue was on Friday, XX/XX/2020. I have told them that I will try to get some information from the bank to show that I don't owe this debt, but the bank has no information to give.
Consumer complaint received 2020-04-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Saturday, XX/XX/XXXX I received a text message from. Wells Fargo asking if I had authorized a purchase to XXXX of {$160.00}. I responded " 2 '' which meant no. I received a phone cll from Wells Fargo in response to that message response. Went through the procedure verifying I had my debit card on me and it was not me who made that purchase. While on the phone with Wells Fargo I was asked if I had made a withdraw attempt for {$300.00}. I responded no. I was on a boat and had possession of my debit it card, it was not be who made that attempt. The {$160.00} charge was denied by Wells Fargo and the {$300.00} withdraw attempt at an ATM. There was another charge attempt for {$75.00} online to a jewelry store in New York. Wells Fargo denied that charge. 

Wells Fargo then failed to deny two more withdraws from my account at the same ATM location as the first one. Two separate charges for {$300.00}. One on XX/XX/20 and one on XX/XX/20. Resulting in {$600.00} in cash being withdrawn from my checking account without my permission. I had my card on me this entire time and did not give anyone my card information or PIN. During this time on XX/XX/20 there were an addition 2 online charges to white pages. One charge for {$20.00} and a charge for {$9.00}. Both were not authorized by me. 

Wells Fargo failed to lock my debit card after the first initial fraud conversation over the phone on XX/XX/20. I called back to file a fraud claim Tuesday the XXXX after looking at my account and realizing it was not blocked and I was able to use the card on Sunday, XX/XX/XXXX after forgetting it was supposed to be locked and not usable. 

Wells Fargo closed the fraud claim saying the indicators showed I gave someone my card to use. 
This is inaccurate. I filed a police report. I did not authorize the 4 charges that Wells Fargo allowed on my account resulting in {$630.00}.
Consumer complaint received 2024-03-19
Product: Credit reporting 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)

I am lodging a complaint against XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) regarding Account Number : XXXX, based on violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681 Section 602 A, the FCRA affirms my right to privacy, which I believe has been compromised by XXXX XXXX XXXX 's actions. 

Additionally, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish information regarding an account without my explicit written instructions. It appears that XXXX XXXX XXXX has provided information without adhering to this requirement.
Consumer complaint received 2023-02-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

I took out loans with sallie mae, now navient starting in XXXX. Since taking out the loans Ive repaid the entire amount in full, but now am being charged thousands of dollars by navient for added on fees that have nothing to do with my loan amount. The company has refused to offer me any kind of payment lower than {$500.00}, which I can not afford to pay at this time due to financial struggle and hardship. My credit is being affected poorly which is causing me issues in every area of my life. These loans have been following me for most of my life and I am struggling to get by. Navient is a predatory lender and i should not be required to pay the amount theyve added on to my account. In XXXX I attempted to get forbearance on my loans, and in XXXX my father paid off the entirety of what was owed.
Consumer complaint received 2020-04-08
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. (OH)

TransUnion LLC 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 XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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 XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (TX)

On XXXX, XXXX. Someone uses a fake ID at TD Bank, Opens a new checking account in my name, and gets access to my TD bank checking account ( ending XXXX ), Transfer all my money I believe was {$2300.00}, to the newly opened account ( ending XXXX ). the newly opened account was overwritten my account. he/she changed my online banking password, address, and phone number. withdrawal of money in two transactions {$1000.00} and {$1100.00} on the same day. ( XXXX )
Consumer complaint received 2020-04-08
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX  XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX/XXXX   XXXX {$1200.00} XXXX XXXX {$5200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$100.00} XXXX/XXXX XXXX {$590.00} XXXX/XXXX   XXXX {$1200.00}
Consumer complaint received 2020-04-08
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX/XXXX   XXXX {$450.00} XXXX XXXX {$1900.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$2300.00} XXXX  XXXX {$1300.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX {$450.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$3000.00} XXXX/XXXX   XXXX {$1200.00} XXXX  XXXX {$5200.00} XXXX  XXXX {$1100.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$180.00} XXXX  XXXX  XXXX  XXXX {$100.00} XXXX/XXXX  XXXX {$590.00} XXXX/XXXX   XXXX {$1200.00}
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-04-08
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$670.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX/XXXX   XXXX {$370.00} XXXX/XXXX  XXXX {$510.00} XXXX/XXXX  XXXX {$5000.00} XXXX/XXXX   XXXX {$800.00}
Consumer complaint received 2020-04-08
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. (NY)

XXXX XXXX XXXX XXXX currently reports on my Equifax account as verified and updated. However back in XXXX of 2020 I sent Equifax a letter of validation requesting a full and complete validation of this account. 

As of XX/XX/2020 Equifax sent me a copy of my credit report reflecting no changes to the account. And no methods of validation has been provided. This is a violation of FCRA rules.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (NV)

I had disputed an amount owed to XXXX long ago and after many calls with their agents trying to resolve it ( with no success ), they decided to pass this to an abusive debt collector. 

The company ( Receivable Management Services - XXXX XXXX XXXX ) employed abusive calling practices from an array of numbers ( creating confusion ) for a company debt which was converted to myself personally. 

I have found it impossible to work with them and reach an agreement. I dispute the amount they are trying to collect and they don't cease the calls or letters, now threatening to be reported to the credit agencies despite their not trying to find a fair resolution.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I deposited an insurance claim check into my chase bank account on XX/XX/2019. We had asked the teller if we needed to do anything special since the Mortgage Company was on the check. She replied that all we had to do was endorse the check and there wouldn't be any problems. On XX/XX/2019 Chase had deposited the {$16000.00} check into my account but then put a fraud hold on it. They then closed my account with the money deposited into it. My insurance company XXXX said they could not get the money back in order to re-issue the check so we could get the proper endorsement from XXXX XXXX. Chase is stating that they can't release the funds without an endorsement even though they had already cashed the check into the account before they closed it. It has not been 2 months and our roof is still leaking because Chase and XXXX won't work together to get the money out of the account.