davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX, I called my institution Pen Fed located in Nebraska and requested money transfer to XXXX XXXX University. On XX/XX/2018 I was contacted by the financial aid department at XXXX XXXX University which stated to me that the wire transfer has not been received into my student account at XXXX XXXX XXXXXXXX. Mr. XXXX XXXX from XXXX XXXX University called on XX/XX/2018 at XXXX Central Standard Time to notify me of money still has not been received in my student account. When I spoke to XXXX who taking the request Per XXXX XXXX XXXX to wire money into my student account left the same day as another check sent by via mail to a storage facility. This left me XXXX in my account after the XXXX hundred dollars was subtracted out of my account Per : XXXX ( Pen Fed Credit Union ). 
The account that the funds were to be distribute to was XXXX XXXX XXXXXXXX Routing Number XXXX Account Number XXXX Student Account is my cell phone number XXXX Address XXXX XXXX XXXX XXXX XXXX AZ Per Mr. XXXX XXXX who gave information to XXXX at Pen Fed Credit Union
Consumer complaint received 2020-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/2020, I received a call from the phone number associated with regions bank which I bank with. The person was posing as a member of regions and alerting me that my account was compromised. He claimed to need my info for online banking. Because it was my banks number, I thought it was legitimate. While we were on the phone, my wife arrived and realized what was going on. She told me to hang up. At that moment, I got an email from my bank showing a XXXX XXXX transfer of {$510.00}. I was locked out of my account but my wife was able to move remaining money into another account and we immediately called our bank to cancel the XXXX XXXX transfer before it was picked up. We were on hold for over an hour and got the email that the money was picked up before we even had a chance to speak with someone. Nonetheless, we spoke with several people and I went and filed the claim at my bank the following Monday. Our bank has denied the fraud claim because I gave my online banking information. The scammer was fraudulent in claiming to be a regions banker. Fraudulent in sending money in my name through XXXX XXXX. How is my bank not held to this when we immediately, and before he picked up the money, made exhaustive attempts to stop the transfer and would have been successful in our attempts if a banker would have taken our call? People have been careless and lost debit cards and did not report them lost or stolen until after hundreds were spent and those cases return the money stolen. Our case is truly fraud.
Consumer complaint received 2024-03-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC (MO)

I sent a Non Negotiable Conditional of Acceptance, a Non Negotiable of Acceptance, Rescission, Opportunity to Cure, and Estoppel to Specialized Loan Servicing in 2023 ... in which the debt was settled ; however, Specialized Loan Servicing has sent several servicing agents to my home taking photos, calling, and is sending notices regarding foreclosure on my property which has been satisfied. I have receive a Satisfaction of Mortgage from Specialized Loan Servicing ( Deed of Trust ) from them as well, but they are still harrassing me. I have attached all documentation and have filed all of this information with the Recorder of Deeds of XXXX XXXX in the state of Missouri as well as ran an ad in the XXXX XXXX with the information as well.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

REMOVE HARD INQUIRY with a Company that does not have any account with me. 
They can not remove this from my credit report because they don't show any account on there records. I did not allowed this company to pull my credit report. When I tried to call this number they ask for an account and gave my social security number NO RECORDS FOUND. 
I am asking XXXX, ( Equifax XXXX FILE : XX/XX/XXXX Confirmation # XXXX ) to stop reporting this information on my credit file since it in inaccurate. 
XXXX XXXX File XXXX : XXXX Date Created : XX/XX/XXXX XXXX and Equifax is allowing this inaccurate information to remain on my credit report investigate, remove and delete. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX To Whom It May Concern : this my second time writing to update my personal information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2021 I paid ten thousand into a service using the American Express Business Card with that XXXX account numbers ending in XXXX XXXX XXXX XXXX XXXX XXXX is the name of the company. My limit on the card is {$10000.00}. So that limit was used. 

On XX/XX/2021 American Express charged an over the limit charge to the same company for {$5000.00} without my knowledge. No phone calls, no emails, no text. Though they have all of these contact information. 

It was not until the following bill cycle that I realized the extra charge on the card and also the threatening collection call from an American Express employee about placing the extra {$5000.00} they call, " Past Due '' on my credit report. 

I did not authorize this charge but I agreed to pay it off. I requested a work out plan with American Express, and they declined on several attempts to pay the over the limit amount off. I requested to be a part of a payment plan until it is resolved. I was clearly told " no '' by an employee. His employee ID is # XXXX and according to him his name is XXXX. He would not provide me his last name. 

When requested, XXXX would not pass me to a supervisor, or a manager to help resolve my concerns. Instead he offered that I dispute the charges. I countered that I did not authorize it and so there should be no charges. Can you give me the information to your legal counsel, I asked. He said " no ''. 

I told XXXX, why did not anyone call me to authorize the over the limit charge and why are you threatening my small business with bad credit reporting on a charge they made without my authority. I agreed to pay and just want them to work with me. I have never missed a payment with them and pay on time and over the amount due.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have requested the XXXX update my address on the credit report several times. It's incorrect. XXXX has refused. I have also sent in the utility bill and other documents to have the address update..Now there is inaccurate information on my credit profile and XXXX is willingly and knowingly refusing to change it. 

In addition to that, I have tried on several occasions to pull my free annual report and XXXX is blocking that. 


I have also called and sent letters to Experian as well so that they can update the address and its not updated.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX 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 2024-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

My employer sent in a Employment Verification Form to verify PSLF employment toward PSLF credit toward forgiveness. Mohela processed the form according to their records on XX/XX/year> but did not update my PSLF counts for XXXX XXXX XXXX. XXXX XXXX is a confirmed XXXX XXXX XXXX and approved for PSLF. There is no reason these counts were not updated.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-05-24
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. (TX)

XXXXXXXX XXXX has allowed the non-occupant, co-borrower to change my personal information TWICE without notifying me. My address has been changed two times within the last 45 days and has affected my credit bureaus. I've reported to FTC and my personal credit monitor company. XXXX has been notified and they denied. I have documents from them stating they did so. XXXX portal was changed twice, they again denied, I took screen shot before changing back to correct address. I am the primary, I live at this address alone, I've been through I'd theft before with high suspension that the same person is doing it again. I need XXXX to stop allowing others to speak to them without my consent. I need XXXX to stop changing my address without my consent. I need XXXX to stop giving out my personal information without my consent. I need XXXX to correctly report my permanent address back to the credit bureaus immediately. All documents and letters sent by XXXX will be retained for court viewing only! I am submitting one document that was sent certified mail twice to XXXX.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank. When you go to their website or XXXX app, there is a marketplace where they offer you products. Credit Cards, Auto loans, etc. They tell you are already approved and give you the terms, amount and rates. When you click to accept they deny it for different reason. I called Chase to explain but they said that is like a pre approval. But why they say it is already approved?
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

REMOVE HARD INQUIRY with a Company that does not have any account with me. 
They can not remove this from my credit report because they don't show any account on there records. I did not allowed this company to pull my credit report. When I tried to call this number they ask for an account and gave my social security number NO RECORDS FOUND. 
I am asking Transunion, ( XXXX XXXX FILE : XX/XX/XXXX Confirmation # XXXX ) to stop reporting this information on my credit file since it in inaccurate. 
XXXX XXXX File XXXX : XXXX Date Created : XX/XX/XXXX Transunion and XXXX is XXXX this inaccurate information to remain on my credit report investigate, remove and delete. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2020-01-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (OK)

I have told comenity bank to quit calling me numerous times the last being XX/XX/XXXX at XXXX XXXX. They have called numberous times from several different numbers and have left messages that if I do not call back they will seek legal action. they have also tracked down my ex wifes number ( never on the loan or account ) and supplied her with financial information. this bank never sent me an account number, credit card, or even statements to pay. I have attempted to contact them back multiple times to reach a settlement and I am always transferred to a " automated voice messaging system ''
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (MA)

I added my son, XXXX XXXX, as an authorized user to my Wells Fargo XXXX credit card. WF has failed to make promised monthly credit updates for XXXX to the credit bureaus. As requested, I explained the problem to WF credit reporting team by fax on XX/XX/2024, asking for a prompt response and update which has not happened. 

I spent an hour on the phone today with WF customer service agents XXXX and XXXX who said there was nothing they could do and transferred me to a number which was not working. 

WF has learned nothing from all the fines the government has imposed. They still have miserable, unresponsive customer service.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-16
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: BARCLAYS BANK DELAWARE (CA)

i paid them is full on XX/XX/2019 for XXXX my balance was only XXXX and they saying they didnt get the check but i have a copy of the check barclays cash and they still keep taking my monthly payment for XXXX for which they got paid off.i called over 10 times and they keep telling me they dont have it but the company whom i refinance my house through have a copy of the check they cash.please help me to get my money they now owe me for paying more than what my balance was.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (NJ)

VERIFY THESE ACCOUNTS THAT HAVE INCORRECT INFORMATION XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

My student loans have been on an IDR plan for almost 10 years. On XX/XX/XXXX, MOHELA changed the payment plan type of my loans from my IDR payment plan to the standard repayment plan. I contacted MOHELA and they told me I would have to resubmit a new IDR application, as they could not automatically revert my loans back the the ICR plan I have been on for years. It is now going on a month and they have yet to process the application to put my loans back on the original ICR plan. This delay is causing me to have to repay an amount larger than anticipated. It also affects my PSLF count, for I am a federal government employee ( USPS ). Can you please assist in getting my IDR application process so the error MOHELA made can be corrected.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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 2023-05-24
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. (NC)

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. 

Upstart : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer 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 2022-12-27
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: Experian Information Solutions Inc. (FL)

CFPB + Experian, The companies below have many inaccuracies on my Experian credit report - I have submitted variations of these before - you have not accurately investigated and resolved these. 

- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( Twice ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this complaint are : - My drivers license - My social security card - My mailing address - My dispute letter You legally are not allowed to leave these inaccuracies on my credit report and do nothing about them. 

I am looking to have these credit accounts removed from my Experian credit report for many blatant inaccuracies they refuse to fix.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 no consent is fraud.