davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
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: WELLS FARGO & COMPANY (NY)

In XX/XX/2021, I received emails and mail about a Wells Fargo Account. I have never opened a Wells Fargo Account therefore I am a victim of Identity Fraud. When I called Wells Fargo, they had filed an investigation and told me it will be resolved. Each month I would check and they would say they do not have an investigation for me. I have called Wells Fargo 2 weeks ago very frustrated and finally spoke to someone who said they will have it resolved within 2 days and someone will contact me/ I will get something in the mail within those 2 days. 2 whole weeks have gone by and still nothing from them. 

Wells Fargo has completely destroyed my credit because of their horrible inconsistent work. It has been over 5 months with no resolution. I am extremely upset, frustrated, and just truly need help.
Consumer complaint received 2020-03-28
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)

I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XXXX my credit took a XXXX point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter XXXX point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped XXXX points in 3 months.
Consumer complaint received 2020-03-28
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. (FL)

I have review my credit report to check accuracy and found out that a lot of account that I had no knowledge about are destroying my credit reputation and causing a lot of damage to my ability to obtain credit, these account are fraudulent and should not be in my credit, I what to request that these account be block from my credit immediately. 
Thank you.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

i have disputed items on my credit reports, i have paid back majority of the credit cards i had in the past, now that i go to apply for credit cards to rebuild my credit it says either im deceased of that i have no credit history.. even credit repair companies cant find me.. 

i am trying to establish my credit, so i can buy a house or get a car etc etc ... 

help me because there is some misunderstanding, my XXXX   boost account says i have 21 different names and thats not possible, help me so i dont have to fle for bankruptcy ..
Consumer complaint received 2020-04-11
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DRS Financial LLC (PA)

In Dispute with XXXX XXXX Hospital They have ignored my written complaints without response. 
Placed my account for collection with Capital Collections, XXXX XXXX NJ XXXX I have notified Capital Collections with two written notifications that this account is in dispute with XXXX XXXX Hospital. 
They have now ignored those letters of dispute and have begun repeatedly calling via telephone. 
I continue to hold this account in dispute and am pursuing actions with XXXX XXXX Hospital to resolve. 
I am of the understanding that providing written notification of dispute that the agency is to acknowledge the dispute and reframe from further harrasment pending resolution.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XX/XX/XXXX my credit took a 65 point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter 70 point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped 135 points in 3 months.
Consumer complaint received 2020-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc. (GA)

In XX/XX/XXXX, I purchased a computer through an affiliate company with my former employer, by the name of XXXX XXXX. My bi-weekly payments to XXXX XXXX for the computer were made via auto-draft payroll deductions. 

The computer was paid in full prior to my resignation from my former employer in XXXX. In fact, to ensure that there was no outstanding balance owed to XXXX XXXX, prior to my departure, the outstanding balance for the computer was deducted from my final paycheck. 

XXXX XXXX reported to a debt collection agency by the name of Dyck O'Neal that I have an outstanding balance of {$XXXX}. This is false. I made attempts to speak with someone at XXXX XXXX about the billing error but to no avail. I also disputed the charges with the collection agency but to no avail. This error has been reported to XXXX   and must be deleted.
Consumer complaint received 2020-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NY)

On XX/XX/XXXX my wife and I brought our dog to the XXXX XXXX Hospital located at XXXX XXXX XXXX XXXX XXXX, NY XXXX. After our dog was seen by a vet, we proceeded to the front desk and checked out, as we normally do. At the desk we were given the bill, and once paid, given the discharge instructions/ care report. 

On this visit, we had a bill of {$930.00}. I handed the front desk receptionist {$930.00} USC, and was then given the discharge paperwork and left. On or about XX/XX/XXXX I received a collections letter in the mail from Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX ( XXXX ) XXXX. The collections letter stated that I owed them {$990.00} based upon a collections debt from XXXX XXXX Hospital. I immediately contacted Hunter Warfield to discuss this letter. Ms. XXXX XXXX from Hunter Warfield advised me that their company was hired by XXXX XXXX Hospital from collection procedures. I advised Ms. XXXX that I paid this bill the date my dog was seen. Ms. XXXX advised me that I needed to contact XXXX XXXX Hospital as they have this as an " active '' debt. 

I contacted XXXX XXXX who advised me that I needed to contact their corporate office as they have nothing to do with this anymore. I attempted to locate a phone number for their corporate office, however was unable to find one. I was able to send the corporate headquarters an email, to which I did on or about XX/XX/XXXX. In this email I explained what transpired, to which I received an email back from the XXXX XXXX XXXX on XX/XX/XXXX stating that they will respond to me as soon as they can. Since that date I have not heard back from them. Today XX/XX/XXXX, I received another letter in the mail from Hunter Warfield again harassing me for " collections ''. 

As I advised both XXXX XXXX Hospital, and Hunter Warfield collections, I paid this debt, in full ( cash ) on the date of service. I also described in my email the description of the employee who took the money from me. 

In sum, this debt has been satisfied by way of payment in full on the date of service, and this collections notice is false/ incorrect.
Consumer complaint received 2023-02-28
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. (TX)

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. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX  : # 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 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have review my credit report to check accuracy and found out that a lot of account that I had no knowledge about are destroying my credit reputation and causing a lot of damage to my ability to obtain credit, these account are fraudulent and should not be in my credit, I what to request that these account be block from my credit immediately. 
Thank you.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

On the morning of XXXX XXXX we brought our mtg account up to date/current via an electronic transfer from my Wells Fargo bank account. That electronic payment was made in the Wells Fargo branch at XXXX XXXX and XXXX in XXXX XXXX, TX. Because the payment was received by Wells Fargo on XXXX, the payment was not late, nor was it missed. Not only has Wells Fargo changed the date on mtg statements in their online system to now showing that they received the funds, from the XXXX to now the XXXX, and refuse to correct it, they have falsely reported it to XXXX and XXXX. I have repeatedly sent letters and copies of the bank statements and the instrument to Wells Fargo Home Mtg, and to Wells Fargo Bank, as well as to XXXX   and XXXX  showing that the payment was drawn from my account, made, AND RECEIVED by Wells Fargo on the XXXX. This has gone on for 4 months. Wells Fargo 's response that it just takes time for XXXX  and XXXX  to get the information is simply a lie, since in XXXX, XXXX  and XXXX   noted that my XXXX payment had been made and the account was already current. XXXX  and XXXX  could not have reported that unless they had already been contacted by Wells Fargo! This and other even more significant and very costly issues have been recurring problems with Wells Fargo. In retaliation for my filing the first complaint, Wells Fargo refused, and still refuses to correct the report to XXXX  and XXXX, but Wells Fargo refused, and still refuses to report ANY of the subsequent mtg payments, which have ALL been on time. Also in retaliation for the complaint, in spite of having a perfect 6 year auto loan repayment history, which was paid off in XXXX with no late nor missed payments, Wells Fargo states that they will neither report the loan as having been paid off, they will also not allow a new auto loan and " informally '' denied my application for another auto loan. This may not seem important to you, but to us it is extremely important. My wife is ill, and I can not purchase a vehicle until the mtg statements are corrected to show the actual date of payment ( XXXX XXXX XXXX, and these negative, and false, credit reports have been corrected by Wells Fargo with XXXX  and XXXX. Additionally, claims by Wells Fargo that it is because of COVID 19 are ridiculous since I have been trying to get this resolved for four months, well before COVID 19. Please correct the on-line mtg statements to accurately show that the payment of XX/XX/XXXX was made and RECEIVED on that date, and correct the reports to XXXX  and XXXX  to correctly show that the XXXX, XXXX, XXXX, and XXXX mtg payments have ALL been on time. This is only just, it is also urgent for us.
Consumer complaint received 2020-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

Hello My name is XXXX XXXX XXXX And all 3 credit bureaus is showing student loans by XXXX  that are currently on deferment and that at some point in the past I was not aware that the loans had become due. No letter was forwarded to me till I notice on my report it shows late payments for 120 days. Currently my loans had been in deferment since XXXX and they still showing a negative mark that the 3 credit reports refused to fix. I also have a debt from accounts that had been satisfied by XXXX and still showing negative. I also had a loan by regional acceptance which has been satisfied since XXXX and still showing on my credit report as negative. A collection from XXXX incorrect amount and incorrect information because I was not aware of the insurance debt with the general insurance. All this items should not be in my credit report. Falsely damaging my credit and servicer as well as the 3 reporting bureau refused to remove it. I need your help. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Im writing to express my discontent about a matter involving my savings account. I received a notice recently informing me that my savings account would be converted to a checking account in 30 days due to exceeding a specific amount of withdrawals and transfers. In response to this notice, I contacted customer service to find out if its possible to make an exception to allow the account to remain a XXXX XXXX savings account. I spoke with several representatives and ultimately a XXXX by the name of XXXX who informed me that the bank is mandated to comply with Federal Reserve Regulation D which limits the number of withdrawals and transfers from the savings account and unfortunately there was nothing that would be done to intervene. I researched Regulation D and found out that the Federal Reserve Board lifted it in XX/XX/2020 which allowed banks to immediately suspend compliance with this regulation. 

Contrary to what I was told on the phone, banks are no longer mandated to comply with this regulation and it is up to their discretion as to whether or not and how it is enforced ( e.g. fee assessments ). Im more than happy to comply with the necessary fees if the account is allowed to remain the same type it currently is. As a long-time customer, Im requesting an exception be made to allow my account to remain a XXXX XXXX XXXX account and serve as overdraft protection for another account as is currently configured. The account has also been affected by fraudulent activity a few times which has affected its status. 

Ive spoken with several back representatives about this matter and am ultimately being told that it isnt possible to stop the account conversion process. If there is absolutely no workaround to stop the conversion process, Im requesting an accommodation to be made after the account is converted to a checking account. Im requesting that the checking account be converted back into a XXXX XXXX XXXX account or that I will be allowed to open another XXXX  XXXX XXXX account, with the same terms and conditions as the current savings account. 

I hope your organization is able to assist me in coming to an amenable solution. Thanks for your time and cooperation.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (OH)

In XXXX of XXXX, I returned my Car Lease to XXXX XXXX XXXX. I have never missed a lease payment. I just reviewed my credit report and XXXX XXXX XXXX is reporting a Late Payment on XX/XX/XXXX. I have not owned the car since XX/XX/XXXX. The inaccurate Late Payment on my report is severely hindering my credit scores and ability to buy a home.
Consumer complaint received 2020-03-16
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: General Motors Financial Company, Inc. (CA)

I applied for a loan at at XXXX dealership, that sent me to partner dealership for inventory. Between XX/XX/2019 and XX/XX/2019 the 2 dealerships gave me 4 hard inquires.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WA)

I filed for a forbearance due to XXXX in XX/XX/2020 they approved it and documentation was provided. Then in XXXX my credit took a XXXX point hit because they logged it as delinquent so i called and got a second hardship forbearance approved not in XX/XX/2020 my credit just took anoughter XXXX point hit because they reported it delinquent. As well as it was reported delinquent after the coronavirus bill ordered them to place all student loans in deferment. Now i have taken a insanely hard hit to my credit from this company and they can not replace my score that has now dropped XXXX points in 3 months.
Consumer complaint received 2022-12-31
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-11
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. (VA)

XXXX  and Experian has information on my credit report that does not belong to me collections from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2020-03-28
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: Nelnet, Inc. (IL)

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED NELNET. These accounts do not belong to me. They still are reporting this to my credit report.
Consumer complaint received 2022-12-31
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. (IA)

The unverified accounts 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 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

They ran my credit!!! Im not even in that state!!!!! I Did NOT EVER tell this was necessary I explicitly told them, I could NOT do this!!!!! Nor could I make any type of payment at this time ... They committed FRAUD!!!! Im sure Im not the only one theyre doing this too ... ..seems like Local loan operations are in the habit taking advantage of people
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I attempted to close my account with Venmo, and Venmo does not appear to be willing to close my account unless I provide a picture of my government issued ID, and a picture of me holding my ID. 

I don't like the idea of keeping an account open for a money service that I no longer plan to use. I also don't want to give out personal information that shouldn't need to be given in order to cease business with that company. 

Companies are routinely hacked and data is routinely leaked. By requiring personal information that is not necessary for closing my account, Venmo is putting my data and my identity at risk. I have been able to close accounts on many other money based services ( such as banks ) without needing to jump through so many hoops.