davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
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: JPMORGAN CHASE & CO. (CA)

My wife and I had a shared Master Card credit card account with Chase. Account # : XXXX XXXX XXXX XXXX. It was begun in XXXX and the last cards we had expired XX/XX/XXXX. 

XXXX XXXX XXXX last 4 SS : XXXX XXXX XXXX XXXX Last 4 SS : XXXX On XX/XX/XXXX Chase wrote off {$12000.00} of bad debt for the jointly owned credit card. The 1099-C was addressed to me. I reported this on our XXXX joint tax return. 

On XX/XX/XXXX Chase wrote off {$14000.00} of bad debt but this time sent the 1099-C to my wife and said it was for a Chase credit card # XXXX XXXX XXXX XXXX. 

I called the support line and talked to a woman in XXXX. She said they took my wife off of the joint card and created a new account for her My wife never had a credit card from Chase with the # XXXX XXXX XXXX XXXX. 

I said I wanted a fraud investigation by Chase but she said only my wife could initiate that. 

Chase needs to advise the IRS that this is wrong and rescind the 1099-C for the XXXX tax year.
Consumer complaint received 2023-01-06
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (WA)

This card was issued thru ESD under the Washington paid leave. I received the card in the mail and have spent 8 plus hours total on 3 separate days. I notified customer service and ESD in writing of the challenge in activating the card. Turns out someone entered my birthday wrong so I can't use the online service. I paid for this benefit and was exposed to COVID-19 thru my work. It is unreasonable to expect people to be perfect, it is also unacceptable to force anyone to sit on hold for hours listening to horrible music. I finally got thru and they told me the could not correct the DOB, but verified that I had been attempting to activate since XX/XX/2020.
Consumer complaint received 2022-11-07
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)

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (NJ)

Someone fraudulently applied for an SBA loan using my name and company. I was able to stop it at SBA before money was issued, but I have had a very difficult time contacting credit bureaus to place a freeze on my accounts. This particular complaint is about Experian. I tried to log in to Experian this morning. I have now spent more than an hour trying to reach them. Here 's what happened : I tried to log in with my username and password. System said I would have to confirm a texted security code. System correctly displayed the last 4 digits of my phone number. I agreed. System failed to text me and displayed the following " Oops, we're sorry! We are currently unable to process your request. Call us toll-free at XXXX '' Tried calling. Tried each voice tree option and could not get through. XXXX  for other Experian numbers and could not reach a person or any other help on two other numbers. Most times, after making a selection, the phone gave me a busy signal.

I agree they are a " sorry '' company, but this is unacceptable! I don't care if they are short staffed or can't keep their computer system operational. Let their overpaid executives answer the phones, then.  They have extraordinary power over my financial life. Therefore, they need to demonstrate extraordinary responsibility and responsiveness. They don't! They need to take whatever measures are necessary to correct this situation now. Instead, they have wasted an unreasonable amount of my time when I try to place or follow up on a freeze. Initiating and following up on the freeze is my RIGHT. If they don't allow me to exercise that right in a timely and efficient manner, than they should be required to compensate me for the harm they caused - namely, my lost time.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX  are failing to report that the following account is in fact In Dispute. XXXX XXXX/XXXX   XXXX  partial account number XXXX. Experian and XXXX  are failing to report XXXX  partial account number XXXX is in fact In Dispute. XXXX  is failing to report XXXX partial account number XXXX is in fact In Dispute. ( I have attached pages from my credit report for reference on the accounts listed above. ) I have also sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.
Consumer complaint received 2024-04-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2021-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

On XX/XX/2021 I received a letter from Anderson Financial Network Inc ( AFNI ). The letter stated that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been acquired by Afni, Inc. for collections. For {$560.00}. That is not possible as I do not have any Business with XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX Customer Service for fear of potential fraud under my name and information.. XXXX XXXX Customer service confirm what I knew all a long.. There are no accounts are open under my name or SSN. I monitor my credit on a regular basis. Well aware of what accounts are open and close under my name. And XXXX XXXX Has never appeared on my Credit Reports.
Consumer complaint received 2021-02-07
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. (TX)

I went to XXXX XXXX XXXX from XXXX to XXXX and was swindled like many of the victims of Corinthian for-profit schools that stole millions from students. There are STILL ongoing lawsuits around this issue and settlements have already been made as reported by many mainstream sources such as here : XXXX XXXX XXXX the 3 credit bureaus CONSISTENTLY ignore letters around removing these student loans off my credit report on the basis of 1 ) ongoing litigation, 2 ) fraud and 3 ) deferment due to litigation. 

XXXX is a culprit in this issue as well, as they consistently ignore letters and simply BUMP the loans every single year ( literally every 365 days ) into deferment due to numerous reasons, the latest reason being COVID. 

PLEASE GET THESE FRAUDULENT LOANS OFF MY CREDIT. As the secured party of the debtor of these loans, we will hold all appropriate companies responsible.
Consumer complaint received 2020-06-19
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. (CA)

FTC XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Please remove from Inquiries : XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX
Consumer complaint received 2020-06-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America offered a refinance loan of 1.51 to refinance my loan currently I'm paying {$2800.00}. the new would lower my payment to {$420.00}. My debt to ratio is not a problem, my income is not a problem the bank did use my XXXX  tax return. My cash on hand is good the bank took over 2 and a half without looking at all the documents it no way they should have refused this loan. Something is wrong at Bank of America1
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

on XX/XX/2023, I noticed unauthorized transactions on my XXXX account going to cashapp tags that did not belong to me in the amount of {$18000.00}. I have my cash app statements and none of the charges appear there. Someone set up cashtags and used my bank account information to withdraw money to these accts. Why didnt a red flag go up having my bank account on more than XXXX cashapp account? I contacted Cashapp several times and they said that they are not responsible to contact XXXX, which i did and went through legal for a XXXX  they also said they were not responsible.
Consumer complaint received 2022-11-07
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. (CT)

I sent a letter requesting that you reinvestigate the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. Here is the account that I wanted to fix. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX opened XX/XX/2018 Balance {$4200.00}.
Consumer complaint received 2022-11-07
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: WELLS FARGO & COMPANY (PA)

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. ", is in violation of 15 USC 1692g. " WELLS FARGO CARDS SERVICES, '' were to notify me of this in writing 5 days prior. I was not notified. As the Original Creditor, only I can validate this debt. I do not validate this debt.Therefore, the following account must be delete from my report immediately.The reporting of this account are violations of 15 USC 1681, and the Fair Credit Reporting Act { 15 USC 1681 ( a ) ( 2 ) ( B ) } : ( " WELLS FARGO CARDS SERVICES, '' ) EXCLUSIONS_Except as provided in paragraph ( 3 ), the " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issue of credit card or similar device. I never gave any verbal or '' WELLS FARGO CARDS SERVICES, '' written consent to report anything on my consumer report. No consent is identity Theft. ( 18 USC 1028A ) - '' AGGRAVATED IDENTITY THEFT. ''
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I filed a complaint with CFPB on Transunion regarding a hard inquiry from XXXX that should of been deleted from my credit report. Transunion responded back that they are sorry and said they deleted it from my credit report because I was correct. Attached is there response that they deleted it. It has not been deleted from my credit report.
Consumer complaint received 2022-11-07
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: LEXISNEXIS (GA)

I did a recent review of my consumer reports with XXXX, XXXX and XXXX. All three agencies are reporting a XXXX XXXX  Bankruptcy which all 3 reported this information came from LexisNexis. I sent a letter to LexisNexis via certified mail ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX letting them know that they, LexixNexis and the other 3 credit reporting agencies have violated my consumer rights to privacy by reporting this information without my permission. I also contacted the bankruptcy court who stated they do not provide any consumer information to credit reporting agencies. I told LexisNexis to remove this inaccurate information from any report/file that they have on me and to stop reporting this information to other credit reporting agencies. LexisNexis sent a letter dated XX/XX/XXXX stating the results of their reinvestigation came from them reviewing their bankruptcy records that they received from XXXX. I have contacted XXXX  and they stated they do not contact consumer reporting and credit reporting agencies. Since a reasonable reinvestigation was not conducted. I want LexisNexis, XXXX, XXXX and XXXX to stop all reporting of any bankruptcy on my consumer/credit reports and files immediately and to provide me with updated reports/files upon removal.
Consumer complaint received 2020-08-11
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: Granite Edvance Corporation (FL)

I have a loan with XXXX XXXXXXXX, GRANITE STATE MANAGE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and XXXX XXXX, GRANITE STATE MANAGE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

I closed a bank account in XXXX of XXXX  due to my account being charged multiple overdraft fees. Wells fargos policy was " if your account was made postive in 24 hours from the time it went negative then no overdraft fee would be accessed. '' However I was still charged fees even after following the policy. I complained multiple times but they didn't care so I finally closed my account. XXXX of XXXX I received a check from Wells Fargo for XXXX $ and change. I called to get info about the check they explained it was 2 overdraft fees XXXX $ plus XXXX $ and change. I explained I wasn't happy, so I escalated the situation. Someone review my account said they owe me nothing. Still not happy I did a XXXX  complain and they sent me a extra XXXX $ check. I explained I still don't feel that is right because if I took money from them I would owe them years of interest plus the extra fees. Again they said they owe me nothing more that what they sent. I would love them to be held accountable for exactly what they charge their customers if the roles were reversed.
Consumer complaint received 2022-11-07
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I made a new checking account with Wells Fargo and was supposed to receive a {$400.00} bonus if I deposited {$4000.00} or more within 3 months of opening new account. I should have received it weeks ago and after multiple calls I have still not gotten it. 

- XX/XX/2020 New checking account created. I received an email from Wells Fargo with the eligibility requirements and what I need to do to receive the bonus. 
- XX/XX/2020 I receive a direct deposit of over {$4000.00}, meeting the bonus requirement within 3 months of opening the account. 
- XX/XX/2020 I call Wells Fargo telling them I still haven't gotten my bonus. The person on the phone says that I will receive it within 30 days after I have met the requirements. 
- XX/XX/2020 31 days since I have met the requirements for the bonus. I call Wells Fargo again and tell them I still haven't gotten my bonus. The person on the phone says to wait 10 more  days. 
- XX/XX/2020 I call Wells Fargo again. Told to wait more. 
- XX/XX/2020 I call Wells Fargo again. I am told that she has filed a " report '' to investigate my situation. I am told to call again in 10 more days.
Consumer complaint received 2022-08-17
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. (VA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer 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 XXXXXXXX XXXX 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 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 2020-09-29
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; B US BKPT CT FL XXXX XXXXXXXX Docket # : XXXX Source : XXXX/XXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX B XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} 48 - {$5800.00} 82 0 0 0 BANKRUPTCY XXXX/XXXX  XXXX XXXX XXXX XXXX (  CHAPTER XXXX ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX