davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681b- Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( 2 ) ( A ) ( i ) ( ii ) ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My wife and I recently applied to have our home loan modifying with Wells Fargo and were turned down. Wells Fargo responded to our request to reduce our mortgage payment by saying they would offer us a short sale option We receive social security and can afford a reduced payment plan if the loan were modified with payments were stretched out over a longer period of time. I am XXXX XXXX XXXX and a XXXX XXXX XXXX veteran My wife is XXXX. We truly believe that Wells Fargo is discriminating against us because of our age. We have lived in this home for 45 years and don't want to leave. This is where we want to live for the remainder of our lives.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In XX/XX/XXXX I was granted bankruptcy and the elimination of my student debt. In XX/XX/XXXX, more student loans showed up my credit report which never did prior to the bankruptcy. My lawyer reopened my case with the courts to have these included in my bankruptcy since these companies ( XXXX XXXX  ) didnt tell us when we asked in the original proceedings. They never responded to the court to argue that they shouldnt be discharged so the court granted these loans Im no longer responsible for in XX/XX/XXXX. They didnt show up on my credit report after the courts ruling. Then in XX/XX/XXXX, I went to apply for a credit card and was denied because these loans popped again on my credit report saying that I was in good standing and owed a {$0.00} balance but they were still joint accounts. This isnt true since the courts said Im no longer responsible for these accounts. I filed my dispute for both XXXX & XXXX on XXXX XXXX. Within a week XXXX removed the accounts from my report increasing my credit score. XXXX denied my report saying consumer disagree with lender. I appealed and got same response. I have court documents saying Im no longer responsible and within a week XXXX recognized this and removed the accounts but XXXX not only consistently ignores but then writes comments that I disagree with the lender when really its the lender who disagrees with the courts. So I contacted a representative from your bureau in the last month about a complaint for XXXX and I was told theres a 3rd credit agency Experian and I should do what I did with the other two agencies and dispute the accounts to see what the results were. I got the same results from Experian that I got from XXXX so I didnt bother appealing with them, instead of waiting months to hear the same thing XXXX told me. I also attached a photo I took on Experians website explaining what joint account means to show that this is no longer a joint account.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$4800.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$160.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; 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 XXXXXXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-02-20
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: EQUIFAX, INC. (IN)

Unauthorized Inquiry Transactions, As requested I contacted lenders directly to request deletion letters. When speaking with them, I provided my full legal name ( including suffix ), date of birth, my current home address and contact number - None of the lenders could verify a request for a credit transaction in their system. I offered my Social Security #, they declined and stated once the social security number is entered into the automated system either by phone or online it is encrypted and they don't have access to it. I spoke with XXXX from Equifax support team on XX/XX/XXXX at approximately XXXX XXXX, she advised that I file a FTC Report and submit my Inquiry dispute via certified postal mail along with the FTC Report. THE FTC NO LONGER HANDLES THESE KINDA OF REPORTS CONCERNING CREDIT ISSUES- THEY SEND YOU DIRECTLY TO CFPB. 

( Inquiry ) - XXXX XXXX, XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XXXX ; ( Inquiry ) XXXX XXXX  XXXX, XXXX XXXX XXXX XX/XX/XXXX ; ( Inquiry ) - XXXX  XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX ( Inquiry ) - XXXX  XXXX  XXXX  ; XXXX XX/XX/XXXX
Consumer complaint received 2022-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX, and XXXX is verifying accounts that are not accurate and or mines. 
This was the result of a identity theft incident back in XXXX. Someone took my information for credit at XXXX. I removed the collection from my credit report from the original creditor XXXX back in XXXX. Now they sold the debt to a third party collections agency and XXXX XXXX is trying to collect debt that is not mines. 

A lawyer I was speaking to told me that the FCRA requires all information on my credit report to be 100 % accurate. I'll begin to list the inaccuracies and errors. 
Date Opened on XXXX is different from Experian and XXXX High credit is {$690.00} on XXXX and XXXX but the Experian report is {$0.00} Balance owed is incorrect. Balance is 0 on Experian and {$690.00} on XXXX and XXXX. 
Account Status says Deragatory on XXXX and XXXX but Open on Experian. 
Last Reported is different on XXXX. 
Date Last active is Different on all XXXX XXXX, Experian, XXXX
Consumer complaint received 2019-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

On XX/XX/19 I agreed to a {$140.00} payment to Navient. On XX/XX/19, I received an email thanking me for {$210.00} payment. After calling Navient, they struggled to explain how this happened and offered two contradicting reasons before telling me this was for my XXXX payment due in one month. I asked to have that returned to me and they said it would 4-6 weeks which is after my XXXX payment is due. This is unacceptable and I will continue to pursue other options in this matter.
Consumer complaint received 2023-02-21
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: W&A Intermediate Co., LLC (OH)

On XX/XX/2020, Wakefield and Associates added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, Wakefield and Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Consumer complaint received 2023-02-21
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: W&A Intermediate Co., LLC (TX)

XXXX XXXX XXXX apartment says I owe them {$15000.00} but Ive never lived there nor applied! I asked for a copy of the original application and it had an entire different social security number on it. Ive constantly tried to get this removed
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (RI)

I was sick with covid and had a account with TD Bank account ending in XXXX, the closed my account without my consent and without my knowledge and charged off debt didn't even give me a chance to pay or meet obligations unfair I could not act on my own accord due to long hospitalized stay over XXXX days reached out to td Bank asked them to reinstate account they advised me account was charged off within XXXX days that is nit fair or XXXX  XXXXXXXX XXXX institutions must eait XXXX months now my credit and I can not open a new bank account at ant other financial institution until this account also was accessed fees, {$37.00} XXXX I asked them to reinstate account they vehemently refused despite my situation please help... sincerely XXXX XXXX
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (WI)

Credence keeps calling but does not verify the debt, just keeps calling even when asking for verification and they contact others about debt. They do not send verification or anything, and they keep calling from all sorts of numbers. I only know since the spam id verfies them.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/XXXX, Transunion the fair credit reporting act XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX  ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( XXXX ) Reporting information with actual knowledge of errors 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. 

( XXXX ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( XXXX  ) the information is, in fact, inaccurate. I HAVE CONTACTED XXXX XXXX XXXX and notified them about the inaccurate reporting on my Transunion credit report. They responed with a letter. It clearly show the CLOSED DATE : XX/XX/XXXX, Transunion is reporting XX/XX/XXXX. As the law states above if a consumer notifies a person/company about a inaccurate report. A company CAN NOT FURNISH information relating to a consumer to any reporting agency if the person/creditor knows the information is inaccurate. XXXX XXXX XXXX IS NOT PROVIDING ACCURATE INFORMATION TO TRANSUNION. Therefore this account must be DELETED.
Consumer complaint received 2018-01-23
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: TD BANK US HOLDING COMPANY (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

TD/XXXX ( paid in full ) charge off, I have never had a XXXX card and refuse to shop there! Complete and utter fraud. Along with XXXX XXXX which is from XXXX XXXX XXXX? I have only ever had service through XXXX ( XXXX XXXX XXXX XXXX ), I do not nor have I ever had XXXX XXXX XXXX and want this removed immediately.
Consumer complaint received 2022-02-21
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. (PA)

I was reviewing my credit score today and noticed some things on my report that were quite disturbing. I noticed that someone has fraudulently opened up multiple credit cards in my name. It has happened over a two year span beginning approximately 4 or 5 years ago.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (OH)

TD Bank made it extremely difficult to use my rewards ( which was 35000 points last time I checked ). My phone number and email both changed, and because I was in a state with no TD branch, it was impossible for me to access my online account, despite calling in multiple times. Because of the lack of access to my account, I was also unable to receive notifications about my bill/pay my bill, leading to revocation of my card and points. 

Had I had access to my account, I would have utilized the points immediately. But TD 's burdensome process to get access to my account made it difficult/nearly impossible to utilize my points, ultimately leading to its forfeiture
Consumer complaint received 2016-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (PA)

The company calls and leaves a voicemail at least weekly looking for a " XXXX XXXX '' ( sp? ). I have called the number given at least 2 times and reported that there is nobody here by that name, and given them my number, with instructions not to call, yet they continue to call. They also stated that they do n't have my number in their dialer, yet I continue to get the calls.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

My credit score decreased by 100 points for a debt thats not mine on XX/XX/2022 then later that day it decreased another 20 points for no reason at all by XXXX
Consumer complaint received 2022-02-21
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-19
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. (MI)

I am a victim of identity theft. I submitted a copy of my police report to Equifax and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of XXXX processing my fraud investigation, they disputed the fraudulents items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.
Consumer complaint received 2020-02-28
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: SYNCHRONY FINANCIAL (FL)

I had an open account with Carcredit / Synchrony Bank which was closed on XX/XX/XXXX due to inactivity and at that time Synchrony Bank reported the closure to XXXX credit bureau. I am in total agreement with the closure and the credit reporting, my complaint is that Synchrony Bank continues to report the same information over and over. Synchrony Bank has sent out a total of five reports  on the same issue, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I have contacted Synchrony customer service twice and all they can tell me is they will look into the matter and respond by ail in thirty days.I called on XX/XX/XXXX & XX/XX/XXXX and yet they still continue to send the same report to the credit bureau. 
This needs to stop immediately, I have worked long and hard to get my credit score up to XXXX and I don't need Synchrony Bank to destroy all my hard work.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

We bank with Wells Fargo Bank since XXXX and on Friday XXXX XX/XX/XXXX, I received a call from the Well Fargo Fraud department phone number. They called me to confirm some questionable transactions with my account, we talked for over XXXX hours to discuss all the transactions. They asked me about atm transactions and XXXX transactions. I of course told them I didn't autheroize any of it. During the talk they did the normal confirmation its me, and they went back and forth on different transactions. After our talk, they told me my account access would be locked out due to the investigation and that if I used my card or accessed my account it would interfere with the investigation. They called again on Saturday XXXX to discuss more transactions and on Sunday during church, they called me over XXXX times, which I didnt answer because. After that, something felt wrong. I reset my account password to gain access to my account and found out that someone had depleted my checking and way to save account, totaling {$970000.00}. I called the Wells Fargo Department on the XXXX that evening, to tell them about it. They froze my account and started an investigation. They told me it would take 10 days. On Monday the XXXX, I called Wells Fargo to get any information or updates, I was met with someone who was short-tempered and wouldn't help. After 3 days, I called them back and spoke with someone who was more helpful. She helped me close the accounts where they couldn't take anymore. During our talk, she gave me access to my again and that's when I noticed the scammers had made cash advances out from my Well Fargo Credit card, totaling {$3500.00} with Fees. The first results came back from the investigation they said that I authorized it. I then called again to do another investigation. Once again the same results. I tried XXXX more time and found out the first XXXX fraud personnel didn't clearly state what happened. During the third try Well Fargo Fraud investigations, I spoke clearly and told them that in 72 hours the scammer spoof called me, and took {$13000.00} in 72hrs, No one from Wells Fargo contacted me and said anything, over $ XXXX of cash advances and they said nothing. No unusual activities call from Wells Fargo Fruad, nothing. Then after that, They determined it was me or someone that I gave access to, who took our money. I didnt take the money, but all I did was compile with who I thought was a Wells Fargo Fraud representative. They scammed me, by calling from the Wells Fargo Customer Service number a phone number that I was supposed to trust, phone spoofing, gaining access to my account, and taking our money. Even dealing with the correct people trying to get to the bottom of this, It was like XXXX, they asked the same questions like the scammers. I waited this long to ask for help because I truly thought Wells Fargo would see that I didnt do {$13000.00} of transactions in 3 days. Who in their right mind would do that?
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I had an account ( credit card ) with your company since XX/XX/2014 which it was charged-off, this account was under the management of XXXX XXXX XXXX, they affirm that this account has been paid off according to the settlement.