davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX COLLECTION XXXX XXXX XXXX  ( Original Creditor:XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTION : XXXX XXXX  ( Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION XXXX XXXXXXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX  ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX ) Balance Owed : {$1300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
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 noticed that Experian had failed to do their due diligence in keeping my consumer report fair and equitable to me and protecting my privacy, as required by Congress, and prior to receiving information about my rights from XXXX and them correcting all the errors in my consumer file, but there had been numerous inquiries furnished on my consumer file without without any permissible purposes and prior from previous correspondences no proof as of XX/XX/2022 has been provided permissible purposes to support the XXXX inquiries that have furnished on my consumer file pursuant to section 604 of the Fair Credit Reporting Act ( FCRA ). Furthermore, XXXX has violated the Fair Credit Reporting Act ( FCRA ) section 611 by failing to conduct a reasonable investigation as required by the above-mentioned section, by the information not being corrected, and by merely parroting information from the furnishers, not to mention that prior to the definition of a consumer report pursuant to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ) / '' - the term " consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also nothing under the FCRA REQUIRES a creditor to report negative information. Any late payments is being furnished without any lawful authority and is a violation of 15 USC 1681s-2 ( 7 ) ( E ) And as mentioned above a Consumer report does not include transactions and experiences and thru Experian actions my consumer report has not been fair and equitable to me as pursuant to 15 USC 1681b and has done nothing but call distress and significant damages to my livelihood so I pray you up hold you duty in respecting and following the law and doing all acts in good faith and if there is a breach of this good faith clause and thing you say can and will be used against you in the court of law
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I traveled as I always do beginning in the Fall of XXXX to XXXX for vacation and returned in XX/XX/XXXX to the US. Prior to leaving I put an excess amount in my credit card balance to cover any recurring payments and fees while I was away. However, XXXX XXXXXXXX XXXX without my knowledge or consent decided to mail the excess balance to my residence in the form of a check while I was away. As a result, my credit card payments were not posting and I was being penalized with fees for not paying down the balance. My credit report eventually had my account as missing a payment damaging my score from a prior 100 % payment record. My credit limit also went from $ XXXX to {$500.00} from the missed payment. 

I contacted XXXX upon my return to discover what happened and had no luck getting the credit report missing payment corrected or the fees associated with the missed payments. My credit limit was also not reversed to my prior limit.
Consumer complaint received 2022-12-17
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. (PA)

Experian is reporting a XXXX XXXX account to my credit that is fraudulent. I have been submitting dispute and complaint after complaint trying to get this resolved. My next step is a law suit. I will be attaching documents below from XXXX  XXXX themselves verifying they're using the address XXXX XXXX XXXX  XXXX to link me to this XXXX  XXXX account. That is impossible as there is no XXXX XXXX XXXX XXXX on my credit report and that was never my address. XXXX XXXX and XXXX is not reporting this XXXX XXXX account as they could not verify it belongs to me and it was deleted. Experian has come back time after time saying they verified this account which is once again impossible as it is not on any other credit report and that address is fraudulent and not linked to me. Experian is violating my FCRA rights and I need immediate action taken.
Consumer complaint received 2019-07-03
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Columbia Collection Service, Inc. (OR)

The very first time Columbia Collection Services called me I told them that my income was primarily from SSDI. There were several debts to XXXX XXXX XXXX Hospital, I have never been. Other medical bills I also said weren't mine Prior to a period of time I had regular health insurance that had only a {$20.00} deductible. Columbia collections was rude and hounded me to pay the bills, said " aren't you going to pay these bills. 
I explained " NO, the bills aren't mine '' That didn't matter, they are all pushy and basically manipulate the situation trying to make you look and feel like a low life for not paying them. This started the date they received the debts. 
This entire situation is stressful, they leave up to 2 minute messages, harassing me to pay the debt.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

I was notified that I was part of the XXXX data breach via a letter on consumer file I was also notified my information was appearing on the dark web. I signed up for credit monitoring tools.I was notified by my credit reporting tools that my credit report was released to Banks without my consent or application. I immediately called same day and reported that as fraud. Both organizations blamed the other for approximately one month from today as I continued to call back and attempt to get the inquiries removed from my credit report. The following month I received a letter from these inquiries below per a request to open a checking account which I did not request or apply. I notified these banks who immediately took action and helped me file a 7 year fraud alert on my credit report with these banks who also did same with the other to credit reporting agencies. HOWEVER, these banks sent me a link to do same with Chexsystems since this was a request for checking account in my name Please help me look into this matter I cant open a bank account
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Earthquake Insurance was inadvertently paid from escrow. Per prior complaint Shellpoint indicated they put a stop payment on their check and credited my account the {$530.00} incorrectly paid. However, according to the Annual Escrow Disclosure Statement dated XX/XX/2022 this is not the case. There is now a shortage i my Escrow account and there is no credit of the {$530.00} to my escrow account. This is fraud!
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Self Financial Inc. (NY)

XXXX XXXX I created an account with Self XXXX XXXX XXXX was notified that I had an open account with them since XXXX of XXXX. I was confused nor had any recollection of ever creating an account with the association- so I proceed with changing the Email address, while in that process I had to answer security questions that were incorrect so at that specific moment I realized and insured that this is an issue. As I was done creating my Account I seen information on the prior account of a XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX with a Phone number of ( XXXX ) XXXX. The Address does not coincide with my residential living nor my telephone number at any given moment in my life. I seeking help on expunging this debit. 

Admin Fee- XXXX XXXX {$9.00} Miss Payment- XX/XX/2020 {$150.00} XXXX XXXX  Account One Time Fee- {$22.00}
Consumer complaint received 2019-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (GA)

My automobile loan on my 2012 XXXX XXXX is through Credit Acceptance. I had already being paying on the loan at a 26 % interest rate with all payments being on time when I called to set up auto pay in an attempt to pay extra each month towards paying my loan off early. When I called I was told by the person answering the phone that I would have to provide proof of income before she could help me. I told her I already have a loan with them and was attempting to pay an additional amount each month in an effort to pay it off early. She continued to insist that I immediately provide her proof of my income before she would help me. I hung up and called back and spoke with someone else who told me I did not need to provide proof of income on a loan I already possessed. A few days ago, I received another call telling me I owed additional fees. I asked how that was possible since I pay extra each month anyway. The person was unable to provide me with the reason and continued to threaten to turn me over to collections and lower my credit score. I told them I was going to report them for harassment and extortion and they hung up. Today I began getting calls again for the same reason. I asked them to pull the recordings of the previous calls and was told they could not do that. I then asked why the pre-recorded message said " this call may be monitored for security purposes '' and again, they were unable to give me an answer.
Consumer complaint received 2018-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I have two consolidated federal loans with Fedloan Servicing, one is a consolidation of direct subsidized loans and the other is a direct consolidation of unsubsidized loans ( both federal loans ). 
I am attending a XXXX  program full-time and while I am enrolled I do not pay interest on the unsubsidized consolidation loan. 
I have made two payments in the last few months, one on XX/XX/2018 for {$5600.00} and a second one on XX/XX/2018 for {$3100.00}. The payment on XX/XX/2018 was supposed to be allocated in full to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN, just like a payment for {$1000.00} on XX/XX/2018 was eventually allocated solely to the DIRECT UNSUBSIDIZED CONSOLIDATION LOAN. 
Two months have passed since I made that payment on XX/XX/2018. As I mentioned before I have recently made another payment on XX/XX/2018, which was also bizarrely distributed unequally between the SUBSIDIZED and the UNSUBSIDIZED loans. 
Fedloan Servicing is unwilling to help me. They just keep repeating that the payment will be eventually allocated as I expect, but nothing has been done yet.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (NY)

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX  ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Consumer complaint received 2019-07-03
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: EQUIFAX, INC. (TX)

This issue is still not resolved after how many months..Their investigation did not fix XXXX/XXXX   XXXX They said they have verified it but did not give me details on how their investigation went.. They only sent me a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

Today I spoke with reps from XXXX and XXXX concerning a Wells Fargo Account ( account # ending in XXXX ) on my credit profiles. They both confirmed that the information attached is what is reported directly from Wells Fargo. Even earlier today I received a PDF from a Wells Fargo employee named XXXX XXXX claiming that Wells Fargo is reporting this info accurately to the bureaus. This is a lie. I've attached what Wells Fargo is reporting which is 2 different sets of information. This was confirmed by reps at XXXX and XXXX. Wells Fargo is in a direct violation of the FCRA. This is very evident.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I submitted a claim about a charge for XX/XX/XXXX and I was denied for no apparent reason I didnt get to use the service my card was put on hold for reservation and I got there the package I was paying for was not available. XXXX from impulse lounge and bar XX/XX/XXXX XXXX
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Continental Finance Company, LLC (OH)

I applied for a credit card with XXXX and was approved in XX/XX/2021. I have made calls for months trying to receive the credit card that they state they have attempted to send at least 10x. They tell me that they have not had a card returned by the post office. And when I call, I can not receive the help that I need because they require the last four digits of the card to be entered to talk to someone but I do not have this because I have never received the card. They continue to send me to the lost/stolen department who requires the last four of the card number which I do not have because I have never received a card.
Consumer complaint received 2023-02-21
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. (TX)

I called the TransUnion and XXXX after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to XXXX and TransUnion last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX Balance : {$5400.00} will be investigated and updated on my credit file.
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2019 I received an email from Wells Fargo inviting me to open a checking account and offering me a {$200.00} bonus after qualifying transactions. The email stated : Banking is easy with Wells Fargo. Qualify for a {$200.00} bonus by opening a checking account and completing these steps : Open a new eligible Wells Fargo consumer checking account with a minimum opening deposit of {$25.00} by XX/XX/2019. Use your account by completing ONE of the following : Set up and receive 3 consecutive monthly direct deposits of at least {$500.00} each month within 150 days of when you open your account, OR Use your Wells Fargo debit card to make 10 posted purchases or payments each month of at least {$1.00} for 3 consecutive months within 105 days of account opening. 
On XX/XX/2019 I applied for an everyday checking account with an opening deposit of {$50.00} and used my personal promo code XXXX that was sent on the invitation email. Later the same day I received a confirmation email informing me that my account had been approved. I made 10 online purchases of at least {$1.00} on XX/XX/2019 with my debit card, another 10 online purchases of at least {$1.00} on XX/XX/2019 and another 10 online purchases of at least {$1.00} on XX/XX/2019 which satisfied the conditions of the offer. I was supposed to receive my {$200.00} bonus within 45 days after meeting the offer requirements and I did not so I contacted Wells Fargo through their message center on XX/XX/XXXX inquiring about the status of my bonus. I received a reply the same day telling me they were going to research the issue and would send me a letter within 14 business days. I did not receive such letter so I sent another message on XX/XX/XXXX inquiring about the status of the bonus and I was told the following A credit for the promotion wasn't issued because the requirements of the campaign weren't met. Here are the requirements that needed to be met to receive the promotional credit : Customer has not met following qualifications -Within 105 days, 10 purchases and payment, at least {$1.00} each, with WF Debit Card each required timeframe for 3 consecutive timeframes OR - Within 150 days, {$500.00} in qualifying Direct Deposits per month for 3 consecutive months.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. violated my rights 15 U.S.C 1681 section 602 A.states I have right to privacy. 15 U.S.C 1681 section 604 A sectin 2 It also states a consumer reporting agency can not finish a ccount without my instructions.
Consumer complaint received 2022-06-01
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. (SC)

In accordance with the Fair Credit Reporting act Convergent AccountsXX/XX/XXXXXXXX XX/XX/XXXX # XXXX has violated my rights. 

XX/XX/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
Consumer complaint received 2024-02-16
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. (TX)

XXXX XXXX has acknowledged an account opened on XX/XX/year> in my name using a forged ID, Forged SSN and false bank account information. They have given me XXXX letters stating this My problem is with Experian, They keep telling me they are taking care of it, but they do not. They are happy to take my monthly membership fee and not actually do anything at all except give me excuses. 

XXXX account number XXXX, that XXXX has closed and verified twice date opened XX/XX/year> for {$83.00}