davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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. (GA)

In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : 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 XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) 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
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AR)

I have started working with XXXX starting XX/XX/XXXX and my first check was returned by chime to my employer based on my name not matching with my new married name via the check. I updated it and figured it was fine, given the check had finally arrived on the XXXX after being returned on XX/XX/XXXX. 

This week, after submitting my hours done on Monday and payroll accepting it, others who have banked with the same Chime have gotten their check deposited with no issues. As of XXXX CST XX/XX/XXXX I have not received my paycheck of {$970.00}. My name is correct and updated, as per support has confirmed. 

Now I am not sure if the check has been returned or not as I have had two different support agents tell me that it was on the XXXX while another tells me it's still on its way and not returned. I find this entire ordeal unacceptable behavior as I have done my part in ensuring my information is correct as well as my employer releasing the funds. Chime has not cooperated in supplying my funds and has given me the runaround on whether it's been returned or not. 
My chime id is XXXX  XXXX I just want my paycheck so I may close my account and move elsewhere from the nightmare that is Chime.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MI)

My house is in danger of foreclosure. This problem goes back to XXXX when Fay Servicing indicated I could apply for loss mitigation online. I did so. After realizing within a fifteen-minute time frame the draft document was submitted accidentally. I immediately loaded the correct form online. I called several people at Fay getting different advice on what to do. Nevertheless, the wrong application was uploaded by the underwriter and the calculations were done for monthly income we do not have. The payment plan is established for {$5400.00} a month. I NEVER signed anything agreeing to these terms. This was something they told me that I needed to sign for. I never got a document. Yet, I did make the XXXX Payment because I was threatened that if I did not pay it, I would be foreclosed on. I was told to re-apply for hardship ( Loss Mitigation ). I really did try to try, but this is unreasonable I can't pay this with personal bills and utilities being shut off. 
After talking with a representative, I was told that the system takes the first form, and you are pretty much out of luck if a second was put in. I CAN NOT MAKE THE XXXX PAYMENT ; THUS, THE PLAN WILL BE BROKEN. 

On XX/XX/22, I contacted Fay Servicing to explain that I can not make a {$5400.00} a month payment plan. I asked for a re-assessment In addition, I would like to complain about the representative XXXX XXXX XXXX ) who is a terrible person. I realized who she was because she was once assigned to me as a manageXXXX and NOT ONCE did she bother to call me back when subsequent calls were made to assist me in my concerns. She takes great pleasure in not helping people. Getting thrills that a person will lose their home. She stated I could apply at any time, but it doesn't mean it would be approved and I need to have another plan. There is no other plan. I need to keep my home. I was also told that my house would be foreclosed on in thirty days if the payment is not made. I re-submitted my application by fax and email and hope these people can expedite this. 

( See print-showing my initial application and the resubmitted one with date and time stamp/current print screen of whats owed ).
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX & XXXX XXXX XXXX XXXX {$330.00} ; XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2015-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

To whom it may concern Checking my credit report the other day I found some items that I would like cleared up. 

First I 'd like to address the XXXX XXXX ... This was included in our Bankruptcy which was final XXXX XXXX 2013. I 'd like to have it removed from my Credit Report and considered dissolved under our Bankruptcy. 

Next ... 
XXXX XXXX XXXX XXXX is paid in full. This was supposed to be paid by our insurance Company but they did n't want to pay 100 % .We fought this and lost. 

Next ... 
XXXX This debt also was included in our Bankruptcy and I would appreciate if this item can be removed from my report. 

Next ... XXXX XXXX XXXX .... 
This Debt was paid off not by Bankruptcy! We paid this off all the way to the final Payment. No Bankruptcy Discharge on this debt.
Consumer complaint received 2022-04-20
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: National Consumer Telecom & Utilities Exchange, Inc. (KY)

On XX/XX/22 I faxed my IDs & request for my NCTUE report, I was mailed a letter dated XX/XX/22 asking me to submit my IDs for verification proof? 

So on XX/XX/22 I again faxed my IDs & requested my NCTUE report. 
I received nothing from NCTUE So again on XX/XX/22 I faxed my IDs & again requested my NCTUE report, I received nothing. 

I have included my last fax and NCTUE letter.
Consumer complaint received 2023-10-20
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. 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. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has been reporting my negative account over 7 yrs. they have made false reports about account being late 4 after years. i was late for payment first year of loan and they arrear balance..fcra states 7 years. i disputed information with XXXX.trans union and XXXX. stating first late payment was XXXX..when first late payment was XXXX..due to hardship i was going thru. unable make payment they agree to arrear two months payments XXXX..i wish have remove immediately from all credit agencies.
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: 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 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

XX/XX/2024 I wrote XXXX in regard to the furnishing of my private information. My credit reports from XXXX, Equifax and XXXX all reflect private transaction history. 

The definitions in 15 US 1681a ( d ) ( 2 ) ( a ) ( i ) Consumer Report - Exclusions, says that a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. 

Usage amounts, credit limit and transaction history are still reflecting on my reports.
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a personal Capital One Quicksilver XXXX. My statement closing balance on XX/XX/2022 was {$210.00}. I used available cash back on the account to credit my XXXX {$200.00} on XX/XX/2022. I made a payment for the remainder balance of {$14.00} on XX/XX/2022, the payment due date. Capital One then charged me a Past Due Fee of {$25.00} on XX/XX/2022. I called Capital one on XX/XX/2022 and spoke with XXXX in the XXXX customer service center. She stated that since I did not make a minimum payment of {$25.00}, I was charged a {$25.00} past due fee. I argued that since I credited the account with {$200.00} from cash back and made a payment of {$14.00}, the full statement balance was paid in full by the due date. She said I needed to pay more to satisfy their payment requirements. I believe this is overcharging the customer. The statement balance was {$210.00}, I had a credit for {$200.00} and a payment for {$14.00}, which satisfies the full balance on the account as of the statement closing date. I asked if I charged my account {$100.00} and received a statement showing {$100.00} due, and then returned the item for {$100.00}, would I still need to make a payment? She did not answer me, but I suspect I would be charged a late fee and possibly interest since I did not make a minimum payment even though the balance was {$0.00}. 

It is not fair or right to the consumer that Capital One does not treat credits or returns as payments in the current credit cycle. In my experience, Capital One does not count returns toward the current payment due, but credits the next statement balance. Again, Capital One is penalizing the consumer for credits and returns by requiring full payment of the statement balance, even though they have received money ( payment ) in the form of a credit or return. This is not a fair or equitable way to treat their consumers.
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIRSTBANK PUERTO RICO (PR)

Hello! Im reaching to you guys because of a personal loan I made with the First Bank Puerto Rico of {$20000.00} dollars and its a new loan in which my first payment was for the amount of {$450.00} according to our contract starting due date on XXXX and In advanced I payed the XXXX of XX/XX/2022 and they acceppted and confirmed that the breakdown of how the first payment was applied was around {$180.00} for the principal and around {$270.00} for the interest. Till that time the information was fine with me. But for my surprised suddenly the next payment I made in advanced as well the XXXX of XX/XX/2022 for a due date on XXXX for the same ammount of {$450.00} I asked how was the breakdown made and they are saying all the ammount was applied to the interest. I feel worried and concerned of how my payments are being placed because they arent able to explained to me how its that possible beacause Im paying with one mont ahead of my actual due date. I feel some type of way deceived and in a fraudulent action. beacause till this day the institution of First Bank doesent have any answered and any mantenence for that payment. I would like an investigation for this situation please.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

Employees in XXXXXXXX XXXX XXXX and EQUIFAX iT services are posting wrong information and not removing the paid off Zero balance paid off account from XXXX XXXX XXXX XXXX. If I call them and as, they say we keep it and allow it to drop itself after some years. This is completely a scam inside credit Bureau, creating age groups are targeted, especially older generations My credit points showing XXXX in these two and XXXX in XXXX  Please look into this matter seriously and remove dead accounts. Pls stop age profiling
Consumer complaint received 2022-04-20
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown inquiries on my credit report and to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc. (NC)

My insurance company wanted me to go to XXXX they sent me to XXXX  XXXX XXXX I had a XXXX in my XXXX  area that had completely XXXX XXXX  and was XXXX my XXXX XXXX and it was covered in XXXX XXXX I was in XXXX excruciating pain constantly I tried to do what they asked went in two or three times and it always hurt and I always felt worse not long after I left I tried to tell them this and explain to them but for whatever reason they didn't seem to understand and they said that I just didn't try which is XXXX  because I wouldn't have gone at all if I wasn't going to try so I don't feel like I owe them anything because they could not and did not help me
Consumer complaint received 2024-03-14
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. (MO)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I was charged thousands of dollars by XXXX XXXX XXXX and Wells fargo refused to initiate the claim process for the said funds. 

I asked multiple times in which they stated since they texted me a varication code, that the charges were valid when they were NOT. 

I want the charges refunded back to me. 

Wells Fargo now has told me they are closing my account because of a security risk. The disputes against XXXX XXXX coins were indeed valid and need to be credited back to me. 

I would like my money and my accounts to remain open
Consumer complaint received 2022-04-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I sent a letter asking what method was used to verify a XXXX XXXX XXXX that is reporting on my credit report. I simply want to know what company or entity you are verifying this information with so that I may reach out to them directly to get this inaccurate item removed. Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. It has now been over 45 days with no response. Per the law I have the right to know how they verified this inaccurate account and failure to respond gives a reason to immediately remove this items from my credit report. I demand this account be deleted immediately or I will file for litigation due to all of the emotional stress you have caused me.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

In the early hours of XX/XX/XXXX, I received several emails from Wells Fargo with regards to an application for opening a checking account. I did not apply to open this checking account. ( I did have a car loan through Wells Fargo that closed in either XXXX or XXXX ). 

Later that day I called Wells Fargo to report the fraudulent account and identity theft. I didn't document who I spoke to or the case number for the report, but in a subsequent call, Wells Fargo confirmed that I had called on XXXX. On my XXXX call to Wells Fargo, I do remember telling the representative that I had received these emails and that I had not applied for this check account. I was transferred to another representative who, I remember this, told me that since the account was still in the application stage, it would be cancelled ; I remember asking the representative if the fraud investigation would be sent to law enforcement authorities, and I was told that it would not be, that the investigation would be handled internally. After the call, I considered the matter closed. 

On XX/XX/XXXX, I received a statement for a Wells Fargo checking account dated XX/XX/XXXX, a month after my initial call to Wells Fargo to report the fraud. 

I called Wells Fargo the morning of XX/XX/XXXX to report the fraudulent account. The representative acknowledged the XXXX call. I was told that the account would be blocked and an investigation would be opened this time. I was transferred to another representative to discuss identity theft.
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (GA)

My name is XXXX XXXX and I am making this complaint against Navient because it is my belief that Navient is not in possession of the original instrument of indebtedness and this note may have been sold or traded without novation or consideration. In accordance with the freedom of information act, I'm requesting that Navient produce the original instrument or proof that it hasn't been sold. I am aware that in accordance with XXXX XXXX that only the holder of the note may collect on an instrument. 

Please provide me with your statement of the amount owing as of XXXX XXXX, 2022, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form ( no copies ). I would like to make arrangements to settle the above referenced matter. 

Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XXXX XXXX, 2022, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
Consumer complaint received 2022-04-20
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 noticed an incorrect address on my report as well as reported by the bank. 

It stated that I have a previous address : XXXX XXXX XXXX XXXX XXXX, OK XXXX I do not live there and have never lived there were been a resident of Oklahoma.
Consumer complaint received 2022-04-20
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. (GA)

I have noticed an incorrect address on my report as well as reported by the bank. 

It stated that I have a previous address : XXXX XXXX XXXX XXXX XXXX, OK XXXX I do not live there and have never lived there were been a resident of Oklahoma.