davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
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 (NC)

RECENT AND STILL UNRESOLVED COMPLAINT/CLAIM NUMBER XXXX I received a call from XXXX XXXX, Executive Resolution Specialist, Wells Fargo Auto, Office of the President, XXXX XXXX, XXXX, TX, XXXX, phone, XXXX, fax, XXXX, on or about the time I filed the complaint, ( XXXX ). He promised he would work with me and subsequently sent me a fraud package which I have been waiting for for over ( 2 ) years since I first bought the matter of " Fraud '' and " Identiy Theft '' of my personal details back in XXXX. I received the fraud packet with a letter dated XX/XX/XXXX from Wells Fargo, Office of the President requesting I send my supporting documentation, including verification of my address at the time of the fraud etc., by XX/XX/XXXX, which I did via fax to XXXX. I sent ( 42 ) pages as I had done before in XXXX. I phone Wells Fargo Dealership Office of the President on XXXX on XX/XX/XXXX at XXXX to confirm safe receipt of my fax and spoke with XXXX who informed me the matter with your organization had in fact been closed and XXXX XXXX, was no longer handling the matter which in no way resembles the company 's response to my complaint with you, the CFPB. It clearly states the company Wells Fargo needs more time to look and research the matter but that is a lie and they have closed the case and XXXX confirmed there were no notes on the account of safe receipt of the ( 42 ) page fax I sent them on XX/XX/XXXX as XX/XX/XXXX was a XXXX. I have a confirmation the fax was sent and received. This is exactly what Wells Fargo has done in the past, the person I or my  attorney was dealing with suddenly is no longer working on the case which confirms why it's taken over ( 2 ) years to resolve. This is their MO and has been for some time, including the blatant lack of transparency and purposefully breaking US Consumer Law/s. They are not pursuing the matter and gave false information to the CFPB as to their motives and what they clearly stated in their letter to me on XX/XX/XXXX. They lied and have been misleading me for years and now your organization as well.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

XX/XX/XXXX called and verified all my info .told correct info spoke with a representative and he told me everything was good to go! Called back today as someone is telling me something different. Manager rude. I mailed certified letters also contacted the original creditors. The creditors told me to contact the credit bureaus. Im not sure why they havent received or gotten clearly as a client I did my part Inquires are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (WA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports : XXXX XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please delete ASAP.
Consumer complaint received 2022-09-13
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. (CA)

On XX/XX/2022 I was in the process of correcting my credit report blemishes by paying off past debts I owed to improve my overall credit rating for the future. I contacted XXXX XXXX and was informed that I was in collections for a past due amount of {$680.00} which I paid in full as shown in attachment. On my credit report they are listed as an open account XXXX and debt was settled for lesser amount which is completely false and has an impact on my overall score. This is in violation to my rights under the fair credit reporting act.
Consumer complaint received 2023-03-15
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)

I am really grateful that you have taken some of the fake items off of my credit report, but I think you should still disclose some of the disputed items that were the consequence of my identity being stolen. Please follow Section 605b of the Fair Credit Reporting Act and get the disputed entries removed from my credit file as soon as you can. According to what I've read, the Credit Reporting Agencies are mandated by Federal law to delete any accounts and information related to identity theft under the terms of the Fair Credit Reporting Act section 605b. If you think the disputed objects are mine, please send me copies of any documents you locate that have my signature or proof of ownership to back up your claim. It is expected that the disputed items will be deleted right away if you didn't find any papers. I'm asking you to please delete the following information from my credit file once more as soon as you can : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my dissatisfaction and concern regarding the inaccurate reporting of an account placed on my credit reports, which appears to originate from XXXX XXXX XXXX XXXX and has been managed by your agency, XXXX XXXX XXXX. The account in question has caused significant damage to my creditworthiness and has consequently impacted my financial standing. 

Upon reviewing my credit reports, I noticed discrepancies in the reporting of the aforementioned account. It is essential to rectify these inaccuracies promptly, as they are causing serious harm to my credit profile. To address this matter effectively, I request a thorough investigation into the account and its reporting. 

Furthermore, I kindly request that you provide me with written proof of all pertinent documentation related to this account, including but not limited to : Signed contracts or agreements pertaining to the services rendered by XXXXXXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed service dates outlining the nature of services provided. 
Clear documentation of payment dates and amounts made towards this account. 
I understand the importance of adhering to proper protocols and regulations in handling such matters. Therefore, I expect your agency to conduct a comprehensive review and furnish the requested documentation within 14 days from the receipt of this letter.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I think someone tried to get a car with my information because this all inquires I got on my transunion report. and I recognize none of it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NY)

The month of XXXX, XXXX and XX/XX/2022 the amounts are increasingly different. I used to pay XXXX XXXX and some odd dollars but now the bank is asking for {$920.00} in the month of XX/XX/2022 and they are not giving me an explanation as to why it has become this amount. It has more than doubled. All theyre saying is, this is what you have to pay.
Consumer complaint received 2022-12-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (IL)

XXXX XXXX called me in XXXX XXXX to tell me that I had money in their bank. I told them that I did not have an account with them. They offered me to send information about it, by mail, to which I agreed. On XX/XX/XXXX, I received a letter from them, saying that the account XXXX ( I don't know the numbers ), was sold to Credit Corp Solutions for {$5200.00} ( I didn't understand what it was about, and I left it for later, because XXXX is very complicated ). 
Today, XX/XX/2022, I received a letter from Credit Corp Solutions saying that I have to pay them a debt of {$5200.00}! 

I do not owe that money nor have I borrowed it from anyone.
Consumer complaint received 2022-12-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (WY)

My monthly payment with Sallie Mae has risen to an unmanageable amount and they did not put any effort toward working with me to lower the payment. The absolute most I can afford to pay them per month is {$300.00} ; the current balance due for XXXX is {$410.00}. 
I contacted Sallie Mae 's Office of the Customer Advocate in late XXXX. I'd read online that people have had success in the past getting their payments lowered this way. I offered to either pay at most $ XXXX or default. It didn't work. The individual I spoke to told me to pay what I could in XXXX then wait for their collections department to contact me. I had planned to do that, however, I had a surprise vet bill this month and I chose to save my cat 's life instead of paying Sallie Mae. 
I have no faith that Sallie Mae 's collections department will help me. I absolutely can not afford to pay them $ XXXX. I only owe {$23000.00} altogether, but even at $ XXXX my loans are not due to be paid off until XXXX because the interest rates on my three loans are 11.375 %, 12.5 %, and 13.5 %. 
I've never once missed a payment with them. I've been at most four or five days late. 
I am almost XXXX  years old and a XXXX XXXX XXXX XXXX XXXX XXXX  and I have to borrow money from my mother in order to buy groceries. I can not afford car repairs. I eat ramen and broccoli. I do not and can not spend my money on unnecessary things. One of the cosigners on my loans is my grandmother, who is XXXX years old and struggling to heat her house. The other cosigner is my mother, who works XXXX XXXX  and tries help me, but she can't really afford it. I don't know what else to do. Thank you.
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IA)

On XX/XX/2022 my account at USAA was hacked through the XXXX XXXX. The folks that hacked my account would deposit money into my account and then take money out for a total {$8000.00}. I notified the bank at the time of this as I was getting notifications on my phone of what was going on. Whom ever did this was also deposited checks into my account and therefore has caused me to not be allowed to use my account or be able to speak to anyone about my account.
Consumer complaint received 2023-03-15
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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 legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Consumer complaint received 2023-01-04
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: EQUIFAX, INC. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (SC)

1. Completed a police report on XX/XX/2022 2. Sent a letter certified mail to XXXX XXXX on XX/XX/2022 and XX/XX/2022 for validation of the debit and got no response 3. Active fraud alert is on file with all XXXX bureau 's
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Hello XXXX XXXX XXXX Claim # XXXX Per the company response about the debt ( please see highlighted parts ). They stated all charges are clearly reflected on the documents provided ( incorrect statement ) per page labeled 1-11 the transactions amount doesnt add up to the transaction listed. It was also stated that the second page of the statements contain no information relevant to the charges also an incorrect statement. 

Page 1 transaction and tradition total match Page 2 transaction and tradition total DONT match diff of {$1400.00} Page 3 transaction and tradition total DONT match diff of {$830.00} Page 4 transaction and tradition total DONT match diff of {$180.00} Page 5 transaction and tradition total match Page 6 transaction and tradition total DONT match diff of {$100.00} Page 7 transaction and tradition total DONT match diff of {$20.00} Page 8 transaction and tradition total DONT match diff of {$380.00} Page 9 transaction and tradition total match Page 2 transaction and tradition total nothing listed Page 2 transaction and tradition total nothing listed Total transaction proven per the documents provided is {$720.00}. There is {$2900.00} unaccounted for per the documents provided. I will pay what has been proven in full today ( {$720.00} ) minus the prior payments totaling {$110.00} to a total due of {$610.00}. Once I pay the full amount of {$610.00} the account should show as paid in full and cleared from my credit report as a collection. Please advise. Please keep the case active until resolve. Thanks in advance I can be contacted at XXXX XXXX
Consumer complaint received 2022-10-27
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: DISCOVER BANK (OH)

The Credit Card ( DISCOVER ) is attempting to charge me for a transaction that was applied to a deactivated card account. 

In XXXX of XXXX, I paid off the credit card in full. This transaction is dated XXXX for the amount of {$10000.00} ( I have the invoice ). At this time, I ordered the card to be deactivated but, did no close the account. 

On XXXX, Discover approved payment for an automated annual fee to XXXX ( A social media company ) for {$300.00} to the deactivated card without notifying me prior to processing the payment. I DID NOT REQUEST CREDIT FOR THIS TRANSACTION. 

On XXXX, XXXX contacted Discover to dispute the charge and was told that the transaction was treated as if it were for an Emergency Utility Payment. Discover then suggested that I reach out to XXXX for reversal. I then permanently closed my Discover Credit Account. 

I visited XXXX and reviewed my auto-renewal and found that XXXX identified clearly that my Discover Card of record had expired in XXXX ( I have a screenshot ). I closed the account. 

On XXXX I again contacted Discover and challenged the charge. Discover then instructed me that they would contact XXXX and request reversal ( I did not solicite them to do this ). 

I have since received notification of legal actions against me. I then formally filed the attached document with them. They've rejected my request. 

For reference the card number ( account now closed ) ended in XXXX. 
Discover has submitted a case number which is XXXX Discover has entered in this issue with the credit bureau and this has negatively impacted my credit score.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (AZ)

I had an American Express prepaid card for years. They sent me a letter stating they closed it in XXXX for no apparent reason, just a generic article that they can close it for any reason. I still had over {$130.00} of my own money on the card. When I call with my number it says your account is closed and hangs up. When I call from my sons number the rep says a check has been sent and the account is closed and can't tell me why or where the check is. I just want my money back. I also sent a letter to them in XXXX and still have not received a letter, email, check or any kind of response.
Consumer complaint received 2024-03-15
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. (IN)

I'm writing to complaint to TRANSUNION about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2023-06-13
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)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-13
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-01-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S (WA)

This is a XXXX credit card debt. XXXX lost my job due to economy downfall. Prior to my job loss I had perfect credit and my XXXX card was paid on time. 
XXXX Card debit was turned over to SUTTELL HAMMER & WHITE XX/XX/XXXX I was served papers informing me I was going to be sued I called immediately and began making voluntary {$50.00} month payments.Each year I received a letter telling me to call to review my account, which I did. I continued making payments.XX/XX/XXXX I did not receive a letter, I still made my voluntary payments. XX/XX/XXXX we looked into selling our home for financial reasons and found that XXXX XXXX XXXX XXXX placed a lien on our home. They claim they notified me and I did not respond. That is an untrue statement. Somehow they slipped it threw a different county to mine for a digital signature in my county. I  have responded to all request they made. They have been dishonest in their practices. I have three credit cards I make monthly payments to. The other two companies have not done anything underhanded. I'm attaching a letter response from them following another complaint I filed so I could find out what to do. 

XXXX Title J JUDGMENT Grantor ( s ) XXXX XXXX XXXX, Grantee ( s ) XXXX BANK, Parcel ( s ) Excise No. 
Date Recorded XX/XX/XXXX Recorded By SUTTELL HAMMER & WHITE PS
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (AL)

National Credit Adjuster keeps calling my place of employment after being requested not to. They keep harassing me on my job. They called from XXXX over 10 times and always leave a return call back number of XXXX. This is the same company that lost a lawsuit in the past but yet they continue with their unethical practices and do not honor the cease to desist orders to stop calling the place of employment, personal references, church members, and family members. They refuse to honor consumers ' rights. They call the place of employment everyday at XXXX.