davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$810.00} ; XXXX XXXX XXXX XXXXBalance XXXX {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc (FL)

I received late payment notice to my XXXX XXXX for purchase I didnt made through XXXX XXXX. 

Now I received a mail from January technologies inc. stating I owe this amount through XXXX XXXX which I know nothing about.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (OR)

My mortgage is with BSI Financial. I had set up auto-pay for bi-weekly payments over the summer. I was unemployed and had a couple of late payments and NSFs. In XXXX of XXXX, I was able to pay the bi-weekly auto-payments again ( became employed ). My second auto-payment was not applied to the month. 

Again, in XXXX of XXXX my auto-payments were not applied and I was charged a late fee. On XXXX XXXX I tried to re-set up my auto-payments and BSI 's system was down/ 'system error '. 

Today, XX/XX/XXXX I went to re-set up my bi-weekly, auto-payments and just paid the first of 2 payments ( {$1500.00} ). I am being charged a late fee since it is after the first. 

I am hoping BSIs system will apply this payment and the second payment for the month. I have called and there is NEVER a person to talk to. I have emailed through their site several times and have not gotten a call or email back. 
( Previously, a customer service rep called me back and left me a voicemail while I was at work and I could NOT call them back ). 


This is VERY FRUSTRATING and I am trying to repair my credit history and keep up on my payments. I NEED to talk with someone to straighten this out. 

Thank you, XXXX XXXX
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (GA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-20
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. (NE)

Transunion has reported that I am deceased. This is the second time they have put a deceased alert on my credit file. When I asked who provided this information, I was told they do not know. They legally have to know the data furnisher of this information. This needs to be removed and Transunion is just as responsible as the data they furnish ; therefore, they need to verify someone's living/deceased status prior to placing this information on my credit file. For this reason I am unable to access my credit file online.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MD)

The company is calling stating I owe them money for my business account when they closed it without any knowledge of them doing so. They refused cashing my checks or let me do any service with my account. I would like to keep my business account with them without the restrictions.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

I would like to file a complaint against XXXX XXXX XXXX XXXX XXXX Credit Card which is administered by Comenity Capital Bank for its fraudulent practices and predatory late fee charges. 

On my XX/XX/XXXX statement ( Exhibition XXXX ), I was charged {$25.00} late fee for an amount of {$650.00} due on XX/XX/XXXX in accordance with the XX/XX/XXXX statement ( Exhibition XXXX ), however, for being received on XX/XX/XXXX. This is the first time I have ever been charged with a late fee since Comenity Capital Bank took over in XX/XX/XXXX. As you can see in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ), I paid off the full amount on the XXXX day of the previous month which always arrived before or on the XXXX day of the due month for this credit card. There was never an issue of lateness before for this or other credit card, however, my XXXX payment mysteriously arrived XXXX  days later. I contacted the Customer Service by dialing XXXX to ask for the {$25.00} back on XX/XX/XXXX but in vain. 

The Comenity Capital Banks fraudulent practices is hair raising, to say the least. As shown in the XX/XX/XXXX statement ( Exhibition XXXX ), I was asked to pay {$1300.00} due on XX/XX/XXXX in a separate e-mail ( Exhibition XXXX ) sent out on XX/XX/XXXX. Without realizing I had already paid the bill, I paid the amount again on XX/XX/XXXX which can be seen in my XXXX XXXX XXXX Bank on-line banking record ( Exhibition XXXX ). As you can see in the XX/XX/XXXX statement ( Exhibition XXXX ), Comenity Capital Bank now owes me {$130.00} for the bill due in XX/XX/XXXX. I hope this kind of very damaging fraudulent practice can be stopped.
Consumer complaint received 2019-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Credit report states negative items due to credit inquiry. No credit inquiries are listed. Credit report states 21 % of credit is being used. This is incorrect. 
This changed my credit by 50 points, knocking it down a full level. All the errors are inside the actual credit bureaus, as their report do not actually have any details to confirm their supposed negative items. Their error-correcting webpages don't seem to have a way to correct ghost errors.
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without mt written instructions.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AR Resources, Inc. (CA)

AR Resources is attempting to collect a debt for medical services that were either never rendered ( identity theft ), or should have been paid by insurance ( XXXX ). Ive been on state   insurance since 2016. 
AR is impossible to reason with or Id be able to say more. 

Thank You Very Much, XXXX XXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NJ)

My account was closed because of business decision, that's what I was told. They denied to talk to me at the beginning but after I told them that I was contacting you they answered by saying that I have to contact my other bank and get request to get my money. My other bank told me to contact you. I just want my money back. The amount is {$1800.00}. I don't want business with them either. Please help me. I don't have any money.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX i checked My WellsFargo account before it was time to pay my 1st of the month bills ( rent/car note/school/utilities ) and noticed a significant amount of money have been missing. I dont usually check my bank account as Im familiar with what comes in and what goes out! This particular evening i checked To prepare myself for the coming month. I noticed several transactions from XXXX Sports book that I did not authorize. 
XXXX XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1100.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} These are the dates and amounts of the transactions i did Not approve of! Ive disputed and claimed fraud with Wells Fargo, Ive asked to have mangers/supervisor to give me a call and nothing have progressed! I called The bank today and was told my claim have been denied and closed! Never received notification of any sort! I can not accept this! Now another weekend, no funds no calls, nothing! I am Absolutely disgusted with this bank! 
I am now 2 weeks behind on my bills, i am A XXXX XXXX XXXX XXXX. Ive been a customer with wellsfargo since XXXX. I am Disappointed, disheartened, frustrated!!! This is very inconvenient!!!! I removed my money for my savings account and plan to close my accounts! Please assist with this issue! 
Thank you
Consumer complaint received 2019-12-20
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: EQUIFAX, INC. (IN)

This has to do with an old complaint, a while back i wrote you are in regards to an account on my credit file, that was caused by identity theft/fraud. this account was remove from my file and then re-inserted and re-aged over and over again. I sent in a police report and it was deleted from my account, then the credit bureaus put them back on my file, so i went and file another identity theft police report in regards to the same account, it was deleted then again re-inserted and re-aged again, due to the fact, another collection agency purchase this same account. how can the credit bureaus keep allowing this same type of action over and over again, without putting a block on this fraudulent account. this should be considered a scam from both the credit bureaus as well as the collection agencies working together with each other. This surely goes against the FCRA Laws and by laws. it seems the credit bureaus do not care about the consumers rights, only making money with the collection agencies. This account has been deleted from my file about 12 times and re-inserted and re-aged.
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I had fraud on my credit card account and citibank closed my account. I submitted several fraudulent charges for dispute. One of the charges was XXXX, and their security team had left me a message that they had confirmed fraud on my account. Other charges included a company named " XXXX '' that we have never heard of. These were all out of state charges. I received a letter from citibank that they had concluded their investigation and were not reversing any of the charges. They suddenly put about {$440.00} dollars back onto my account with a threat that if I did not pay, they'd report me to crediting bureaus. 

Their letter did not include any documentation proving that the disputed charges were valid. 

I contacted citibank 5 times since then requesting that they reverse those charges. I also requested that they send me documentation proving the disputed charges were valid, as they are required to do. They said they would get back to me if needed and never sent any documentation. I called their security department they told me to call but was placed on hold and then disconnected on. No one ever called me back. I have run out of options.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I am currently a XXXX XXXX  who has outstanding loans from XXXX XXXX XXXX XXXX All of these loans were recently transferred from Great Lakes to NelNet, which is when my issues started. I submitted an Income XXXX XXXX XXXX Application in XXXX in anticipation of the loan payments starting, and I was approved for the XXXX Plan at that time. I was placed in forebearance until XX/XX/2024, and had no issues at that time. The XXXX XXXX was to be transitioned to XXXX, but this was not updated on the NelNet system. Now, I was autodebited {$1300.00}, when my monthly payments on the XXXX plan should be calculated at {$93.00} per the XXXX calculator. I have tried to reach out to NelNet, who have proven to be unreachable. I work XXXX hours a week, and have been on hold for multiple hours every time I try to reach someone through the phone. It seems countless other people have had these issues, and I can not afford the current $ XXXX payments they are charging me, which do not even fall in a normal IDR plan.
Consumer complaint received 2021-12-15
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. (NC)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft due to the XXXX breech and it still has an effect on my life to this DAY, and I have had many accounts compromised or opened in my name without my knowledge. Some of the companies have replied and agreed to remove the fraudulent accounts off of my report. I've reached out to XXXX, XXXX and XXXX XXXX MANY TIMES regarding these accounts and they ALL have agreed to remove accounts! I even sent the credit bureaus proof many times and they have the audacity to say its " ACCURATE '' but have removed other fraud accounts which makes no sense to me. 


Many more accounts have been appearing from XXXX and they never follow up to make sure it was me opening those accounts! 

I'm tired and have exhausted all my options I have many police reports, an FTC report, and Letters from these Creditors and yet they're still reporting to my credit!
Consumer complaint received 2019-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2021-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

On XX/XX/2021 I received an email from Navient regarding a letter in my inbox with Navient. I reviewed the letter, and it was addressed to both me ( on the top line of the address ) and my son ( 2nd line of the address ). The letter addresses only me and by my name only, and informs me of options for making loan payments. It does not include my son 's name. 

Towards the bottom of the letter it details options for loan forgiveness and discharge. It also details if you are totally disabled to please call them. I wondered why they needed to know I was XXXX, so I called them. I called customer service XX/XX/2021 at XXXX XXXX CST and read the letter addressed to me and she told me this is a generic letter, and that I should " ignore '' this section. She informed me that this only applies to the borrower. I told her that the letter did not mention my son in the body of the letter, but simply only my name. I then told her that I felt like this was misleading. 

We have 5 loans, but will indicate only 1 loan with this complaint.
Consumer complaint received 2023-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (WY)

i opened an account in WISE formerly known as Transfer Wise, It uses XXXX and XXXX XXXX  as a backend bank, I transferred an amount of XXXX USD in my account from my personal account of XXXX XXXX XXXXXXXX. They Blocked this transaction and even Closed/deactivated my account without any proper reason. They are now not refunding back the amount to my personal account. 

I tried to emailed them several times but they are not responding to any of my emails The amounted holded in account details are already in this message Account holder : XXXX XXXXXXXX XXXX ACH and Wire routing number : XXXX Account number : XXXX Account type : Checking Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX United States
Consumer complaint received 2019-12-17
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. (TX)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2019-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Have talked to a representative about the account that XXXX XXXX is calling about, in XXXX, is has continued harassing phone calls for the 16 days. Here is a detailed list of repeated phones calls they have made since then : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

In XX/XX/2022 I took out a title loan with what I thought was a 30 % loan with the online website Loanmart. Loanmart is charging me 99.9 % on my loan. That is not what I signed up for. How is this legal? I've paid them over {$9800.00} with a large payment of {$4000.00} to get my title released. They applied that to " their '' interest instead of my principal a customer service reps informed me, and told me I should of read the " fine print ''. Now there's more fees from them and every month it's another excuse and more money they want. I feel like I am a victim of a " predatory loan '' scam at this point. Please help.