davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (MA)

Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]. 

Thank you ... ... .....
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Insikt, Inc. (AZ)

I had XXXX XXXX  first for my children and I but someone stole my email and phone number I had for 10 years and my XXXX account, identity theft. I tried to open an account with them again and they refused to add my children, so I left and went to Aura whom I have now and Aura refuses to help me with my problems with ID theft and fraud I have proof of. They won't even help get a fraudulent address off my credit report. I told them i want XXXX XXXX dollars and now I want XXXX XXXX dollars and free service for life! My children are missing, this is a SERIOUS SITUATION, i have police reports and ftc reports. My XXXX XXXX XXXX number is # XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I have been a victim of identity theft over the years after my Wallet with all my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
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. (MA)

Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]. 

Thank you ... ... .....
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (PA)

There were over 30 transactions on my debit card over the course of 6 weeks totaling over XXXX. The same morning I noticed I submitted a fraud request. All of the charges consisted of wawa, XXXX and royal farms charges. All of which I am not a frequent user of. Additionally, there were charges across three states. ( Including days where I used XXXX XXXX local to where I live ). Its concerning the bank did not find this suspicious and even more so in the investigation of fraud, this did not raise a red flag. On navy federal website, it states that fraud needs to be claimed within 60 days, which it was. When I was on the phone with a supervisor yesterday she said she likely suspected it was declined due to the length in which charges occurred. I told her their policy on the website and she was not very helpful. In addition, the claim was denied within 24 hours of the report. I called and they could not tell me reason for denial other than their suspicion or the steps involved in the investigation.
Consumer complaint received 2023-03-01
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-09
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. (NY)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2023-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

On XX/XX/XXXX, I received correspondence in my online account dated XX/XX/XXXX ( see Attachment 1 ) indicating that I only had made XXXX XXXX qualifying payments for loan sequences XXXX and XXXX. On or around XX/XX/XXXX, I received correspondence from XXXX XXXX ( see Attachment XXXX ) indicating that I had XXXX PSLF qualifying payments each for both loan sequences XXXX and XXXX. MOHELA 's letter received on XX/XX/XXXX implied that I had a lower PSLF qualifying payment count than I had previously with XXXX XXXX even despite the fact that I submitted an updated PSLF application/Employer Certification Form to MOHELA in XX/XX/XXXX. As I believed MOHELA 's letter to be inaccurate, I called MOHELA on XX/XX/XXXX to express concern, especially as I thought I had received the correspondence because I had ( wrongly ) assumed that MOHELA had finished updating my PSLF qualifying payments based on my XXXX PSLF application. On XX/XX/XXXX at approx. XXXX XXXX and after a wait on the line and spending an unacceptable XXXX minutes navigating phone trees to figure out how to reach a live agent for assistance, I spoke to MOHELA agent XXXX XXXX While speaking with XXXX, he shared concern with me that MOHELA sent correspondence indicating that MOHELA had a lower PSLF qualifying payment count than XXXX XXXX. Eventually XXXX was able to do further research and determined that the correspondence was sent in error, likely due to an IT issue. He determined that MOHELA 's system indicates that my correct PSLF qualifying payment count for loan sequences XXXX and XXXX is XXXX for each and that the information was correct in my online account PSLF tracker ( see attachment XXXX, which while from XX/XX/XXXX appears to match the same information I reviewed on XX/XX/XXXX for loan sequences XXXX and XXXX while on the phone with XXXX XXXX. XXXX also confirmed that MOHELA received my PSLF application from XXXX and that it had not been reviewed yet, thus MOHELA 's payment count only reflects the data they received from XXXX and not the information from my XXXX PSLF application yet. At the same time however, I am extremely concerned why MOHELA would send correspondence similar to what is sent after a PSLF application has been approved and I would receive a letter contradictory to information showing in my online account. As such, while I find the service provided by XXXX to have been exceptional, I am seriously concerned that I received bad loan information due to IT errors and am not 100 % sure my issue was fully addressed. I find IT errors sending inaccurate student loan payment information to be extremely concerning.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

Someone obtained my US bank online username and password. I had {$1000.00} in the account I leave in the account to avoid any low balance charges as I used it only for a Real Estate ( Realtor ) business only to make deposits then move money into other accounts. I had not used the account in months and on XX/XX/XXXX someone obtained and used my username and password and withdrew {$920.00} then on XX/XX/XXXX deposited {$3200.00} and immediately withdrew it, the on XX/XX/XXXX withdrew {$1600.00} and {$1600.00}. I have never made those kind of deposits since I opened the account nor do I withdraw money in that account until the Realtor commission checks have cleared. I have always deposited large commission Realtor checks then moved that money to other accounts leaving {$1000.00} in the account. US bank has denied my fraud claim saying I am liable.
Consumer complaint received 2023-01-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

My vehicle was repossessed XX/XX/XXXX and sold at auction on XX/XX/XXXX for XXXX and minus all the fees of XXXX there was a surplus of XXXX owed back to me. XXXX gave me a check in amount of XXXX and stated there was XXXX in other fees the letter I received clearly shows how the math was incorrect and also Im wanting to know if all the fees they indicated were valid. There are multiple times I called to get this takes care of and they were extremely rude and made me cry with the mean things they told me. I asked to hear the recorded calls and they refused. please help me with this matter and company. Thank you.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2023-03-02
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. (NV)

My complaint is against Experian and XXXX. I submitted proof that XXXX Bank and XXXX Bank Cancelled by debt in full so that I no longer owe the banks any money. After submitting a 1099 c form from XXXX and XXXX Bank around XX/XX/2023 and XX/XX/2023 which a 1099 c from which is documentation from those banks that the debt is cancelled and is stated on the forms. Experian and XXXX ignored this made the decision to not make the proper changes falsely claiming they contacted both institutions and the account information they already had was accurate. That is a lie, I just received the 1099 c forms in the mail in XXXX. They should have updated the balance of XXXX and XXXX to XXXX they still show I currently am in debt with these banks showing a balance instead of updating it. They are not ready or are illiterate or lying. 


Experian and XXXX is making a claim that they contacted those banks and investigated about the 1099 C form and therefore not updating that it to XXXX balance owed. 

To prove they are lying and they did not consider the 1099 c forms and contact the banks in regard to the forms, you need to look at XXXX who updated my accounts they have with XXXX and XXXX. I gave XXXX the same data, the 1099 c forms from XXXX Bank and XXXX Bank. XXXX said their investigation concluded that I no longer have debts with XXXX Bank and XXXX XXXX and rightfully updated my balance to zero on both accounts with them. Their conclusion is in alliance with the 1099 c forms that their investigation is true and right. XXXX conclusion is the opposite of Experian and XXXX and matches the documents. 

Experian and XXXX is being deceitful and is not updating my account according to the 1099 c forms and claiming they contacting XXXX and XXXX. XXXX is the only credit reporting company who really investigated and made the changes on my account.
Consumer complaint received 2021-12-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A. (VA)

I received a packet in the mail today from Klima, Peter 's, and Daly firm regarding a debt I have no knowledge about. The packet included what appeared to be a fake warrant in debt lawsuit attached. The documents state the original creditor is XXXX XXXX XXXX, and amount owed is XXXX. This debt is not on my credit report. I contacted all 3 credit bureaus, and was advised unable to locate the debt in my file. I am requesting a ceast and desist from the Kilma, Peter 's, and Daly firm. I am not responsible for this debt.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I purchased a game set online from XXXX individuals. When the game arrived the game was a fake. I contacted the bank and filed a dispute. I filed charges at the police station and in the courthouse and sent the copies to the bank for proof along with the conversation with the seller admitting I was robbed. The bank em denied the claim and said the merchant doesnt want to return the money. I have fraud protection through my bank! I should be protected by then especially when I provided all the proof necessary to them already.
Consumer complaint received 2024-02-07
Product: Credit reporting 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: EQUIFAX, INC. (CA)

Subject : Urgent : Request for Assistance with Accessing Credit Report Dear Equifax Support Team, I hope this email finds you well. My name is [ Your Name ], and I am writing to bring to your attention an issue I am currently experiencing with accessing my credit report through your platform. 

I have made several attempts to retrieve my credit report using the online portal, but unfortunately, I have been unsuccessful in obtaining the information I need. I understand the importance of regularly checking my credit report for accuracy and monitoring my financial health, and I am eager to address any potential discrepancies or issues. 

The details I used for verification purposes match the information on file, and I have followed the recommended steps outlined on your website. Despite my efforts, I continue to encounter difficulties in accessing my credit report. 

I kindly request your prompt assistance in resolving this matter and providing me with access to my credit report at the earliest convenience. If there are any additional steps I need to take or information required to facilitate this process, please do not hesitate to let me know. 

To assist you in identifying and addressing the issue, here are some relevant details : Full Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/1998 Address : XXXX XXXX XXXX XXXX XXXX Ca XXXX Social Security Number : XXXX I appreciate your prompt attention to this matter and would like to thank you in advance for your assistance. If there is a specific department or contact person who can help expedite the resolution of this issue, please provide their contact information. 

I look forward to your prompt response and a quick resolution to this matter. 

Thank you for your attention and cooperation. 

Sincerely,
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (CA)

In accordance with the provisions outlined in the Fair Credit Reporting Act, I am composing this communication to formally request an immediate investigation and rectification of an account that appears to contain inaccuracies and incompleteness within my credit file, as follows : EXPERIAN : XXXX/XXXX  Date opened : XX/XX/2007 XXXX Balance : {$200.00}. Furthermore, I hereby request thorough verification of the aforementioned account. Should you be unable to substantiate the accuracy of the provided account information to the fullest extent, I implore you to promptly rectify and update it accordingly.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

On XX/XX/XXXX at XXXX I made a call to Citizens Bank XXXX During that call I voiced my concerns about a ATM transaction. During the call me and the rep shared a back and fourth until I realized hey enough is enough and let the call go. The rep who goes by the name of XXXX deactivated my debit card so it would not be able to be used at all. During the course of the day I had a family emergency when I realized he did something to my account and without my authorization. I called and a rep reactivated the card and apologized many times for the reps actions.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (OK)

XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX First I phoned Wells Fargo I lost my job. I asked them about HARP and if I qualified. They said no ( I later found out that I did ). WF talked me into a modification loan which was to help me. They never explained that it would make my credit score sink to nothing. They also created a separate account which I made my modification payments too, while my other original account was still open reporting I was n't paying anything to. Which created a late payments and interest build up. The added {$10000.00} to my loan. From the time of the mod to the end of the mod, I paid in over {$13000.00}, that does not include the {$10000.00} extra tacked on. I was told this mod would take about 3 months to finish, it took almost 1 year which hurt me. I found a number direct to the harp program, they acknowledged that I would have qualified very easily. I would like to get back everything I have lost. I can not buy anything because of Wells Fargo. I have sold my house and cant buy another even through Wells Fargo where they know my history. This is the worst Mortgage company I have ever dealt with. I know they are under investigation for other accounts, but someone really needs to look at the mortgage side and how the handle and convey information plus everything should be done through one account not create another. In my opinion the is wrong, this shows incorrect reporting to superiors and stakeholders and to public.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (NC)

XXXX XXXX XXXX has a debt on my credit report, I contact them in reference to such because this is hindering my housing opportunities. When I spoke with the representative yesterday XXXX, he stated to me that he is attempting to collect on the debt. The debt has exceeded the statues of limitations per the state of NC Gen Stat. 1-52. It remaining on my credit report is hindering housing for me and my children. The representative has also told me that the account is accruing interest still, yet they are operating unlawfully. I asked them to send me copies of all documentation so that I can have an attorney review it. The representative proceed to tell me that the company operates under the laws of CA, I explained to him that I am governed under the laws of NC, therefore, I can not be held under CA statues.