davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-11
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. (TX)

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 2024-02-10
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. (CA)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 2022-12-15
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. (SC)

This is the numerous times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-11
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: EQUIFAX, INC. (TX)

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 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

When I try to login to my.equifax.com, I get an error saying " We are temporarily unable to complete this request. '' And there are no options to remediate this. I just want to look at my Equifax credit report.
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BB&T CORPORATION (VA)

I have automatic bill pay through BB & T for my auto loan with XXXX car loans. The automatic debit is set up for the XXXX of each month BB & T on their own without my permission pulled out the money on the XXXX.
Consumer complaint received 2018-05-04
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. (CA)

EXPERIAN CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE. 

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX  # XXXX ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT EXPERIAN IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO ME.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Hello PLEASE HELP and please read : ( I have been assessed with tons of fees due to my unemployment lapsing for three weeks, during this time I told to stop overdraft protection and to stop all transactions so I wouldnt have this happen. The companies said they cant do anything and only the bank can. XXXX Early XX/XX/2021 is when it started happening ) Please I will do anything if you can just do a courtesy reversal or something : ( I am late on rent because of this and some utilities : ( I also have XXXX and dealing with that sadly and its really up to you guys to help please : ( I will do anything : (
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Names, Addresses are false spouse/co applicant : XXXX is false Never used names : XXXX XXXX XXXX XXXX XXXX Never used addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had phone number XXXX XXXX XXXX
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WI)

On XX/XX/XXXX we wrote to Loan Care and notified them of 4 payment errors in addition to escrow errors. We received a response from Loan Care dated XX/XX/XXXX. Loan Care corrected the escrow errors. They failed to correct the payment errors, specifically, starting with the 2nd payment error listed in our letter to them. The {$9700.00} payment they applied on XX/XX/XXXX should be applied as a principal curtailment with no amount applied to interest. They applied {$240.00} of this {$9700.00} payment to interest. 

In their response to us, Loan Care provided the Office of the Customer number of ( XXXX XXXX XXXX extension XXXX. We have called this number multiple times during their stated business hours, and we receive a message that the office is closed. The extension they provided of XXXX states that it is not a valid extension.
Consumer complaint received 2019-10-11
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. (UT)

Experian has old, outdated credit information about me. The other credit bureaus are up-to-date. Additionally, I have tried to look at the credit information with Experian so that I can specifically dispute items, but the online service doesn't let me create an account so that I can see the details and their phone is not manned by people. I have only heard, second-hand, the inaccuracies.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

We took out a 5 year ARM with Chase ( JPMorganChase ) in XXXX, never missed or was late for a payment. Our intent was always to pay off the balance of the mortgage at the end of the 5 years. We received a letter from them 5-6 months ago making us aware that the 5 years was ending soon and called to verify the information we have received on every monthly statement weve received over the 5 years that the 3.125 % rate was valid through our perceived payoff date of XX/XX/XXXX and were assured that we would be fine. I called in late XXXX to ask for a payoff number from them and was again told that I had until XX/XX/XXXX but I had to call back after our XX/XX/XXXX payment was received to get the payoff. When I called on XX/XX/XXXX to get the information the number looked high to me and I immediately inquired and was told that our interest rate had jumped on XX/XX/XXXX to 4.5 %. The gentleman we spoke with acknowledged that his computer screen showed our rate as still being 3.125 % but claimed that was in error. We went into a branch close to us and they got a supervisor on the phone who understood our complaint and said she would review and get back to us in 2-4 days. When she called back denying our claim, we made arrangements to pay it off the next day ( XX/XX/XXXX ). We would like Chase to refund the difference in interest rates for the 10 days.
Consumer complaint received 2019-10-11
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 (TN)

In XXXX of 2019 I contacted Wells Fargo Dealer services to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called Wells Fargo Dealer services today and they state that the accounts are closed and with zero balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.
Consumer complaint received 2019-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Company : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Original Creditor : HSBC BANK Company has attempted and continuously attempts to collect a debt that I have paid twice with two different debt collectors.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I am a screenwriter who had a check cut for {$37000.00} en route to my house via USPS first-class mail from my Agency ( XXXX XXXX and XXXX ) the week of XX/XX/XXXX. The check was stolen before reaching my home. 

Somewhere between being dropped in the mail by the Agency 's Accountant and arrival in my mailbox at home, an individual cashed the check at a WELLS FARGO bank on or about XX/XX/XXXX. 

This individual signed his name on the back of the check and was given {$37000.00}!! The Wells Fargo teller obviously broke all protocol by not checking for ID and cross-checking with who is authorized to sign checks from the account. My name is the ONLY person authorized to sign and cash checks. Yet, this individual PRINTED HIS name ( he didn't even use a signature ) and was given the funds by the Wells Fargo Teller. I have a copy of the cancelled check and it 100 % is NOT my name. 

As soon as I found out ( after asking XXXX where the check was ) I filed paperwork with XXXX XXXX XXXX XXXX the issuing bank/XXXX XXXX bank ) that was submitted to Wells Fargo XXXX 11-months later, and after speaking to FIVE different people at Wells Fargo I am no closer to seeing the money that was stolen from me. 

It should also be noted that I am a member of Wells Fargo having both checking and savings accounts with them. ) Unfortunately, there is not even a contact Wells Fargo will give me for updates, etc. I have been told by people there Fraud will not even speak to you. 

I even opened a case with the XXXX XXXX Police department and they have said Wells Fargo is giving them the runaround as well. There should be video footage somewhere of this individual cashing the check. 

This is absolutely unacceptable. I know that my money is FDIC insured, Wells Fargo is legally required to give me the funds that were stolen. I am hoping you can be of help before I finally have to go and start a lawsuit, which will include compensation for all the time I have lost in this inane pursuit. 

I truly appreciate your help getting this resolved.
Consumer complaint received 2018-05-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (NY)

My wife was co-signer to a loan with her previous boyfriend ( signed while dating ). In XX/XX/XXXX, the vehicle owner crashed the car and stopped making payments to Wells Fargo.

Wells Fargo never attempted to reach out to my wife to inform her of the late or non-payments. Eventually, we noticed her credit score took hits and we contacted Wells Fargo. They informed us of the situation and we spoke to the vehicle owner to get what info we could. It was clear that the person who was in charge of the account wasn't going to be able to pay.

My wife and I made arrangements on XX/XX/XXXX with Wells Fargo to settle, in which they told us the settlement offer would be valid for 30 days. Prior to settling the account, we inquired around XX/XX/XXXX if there were any other ways to close out the account, other than paying in full and settlement. We knew settling would have an impact on her credit rating. Wells Fargo said they would look into it and get back to us within 24-48 hours. 

I attempted to reach the agent handling our case, XXXX XXXX in the " Office of the President '' on  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 3 times on XX/XX/XXXX with no return call. Asking someone at their main desk would forward me only to her voicemail indicating that she was in and would return my call right away. 

We did not hear back till the evening of XX/XX/XXXX. Told that best to either settle or make payments/pay in full. So I called the number given to just pay off the settlement and was told that it was sent to " Charge off '' on XX/XX/XXXX and may have additionally been in " Collections '' since prior to us even contacting Wells Fargo. 

My wife 's Credit Score is attached to this account and Wells Fargo made no attempt to reach us to inform her of the situation possibly before being sent to collections. The agent assigned to my case had to ask me even after on XX/XX/XXXX what my call was about to begin with. We were prevented or delayed in able to resolve a situation before it even needed to get to that point. 

I have reported my concern to the New York Consumer Protection Agency as of XX/XX/XXXX and have not yet been informed of a case number or any other information.

Wells Fargo has indicated the reason they did not contact the co-signer is because they had possibly been speaking with or making arrangements with the account holder / person who was in possession of the vehicle ( Prior to the accident ). I do not know if Wells Fargo benefits for having an account go into collections or charge off such as a Tax write-off for losses. My wife and I still paid the settle amount and are awaiting clarification from Wells Fargo if it will be on my wife 's credit report as a settlement or if " Charge-Off ''. We feel that a co-signer should be alerted if a payment is late or missed, even if they speak with the primary person on the account. Because of what we consider negligence on their part, my wife 's credit rating may be impacted and could take years to repair.
Consumer complaint received 2024-02-10
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-15
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with fair credit Reporting act CAPITAL ONE AUTO FINAN account # XXXX has violated my rights. 

XXXX5 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (MS)

on XX/XX/2021, i sent 5 letters to cmre financial for the alleged debts of {>= $1,000,000} certified mail/RRR, this is one of the letters below and the others will be attached as well : CMRE FINANCIAL SERVICES , INC ATTN : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX OF Alleged Original Creditor Account Number : N/A Debt XXXX Account Number : XXXX XXXX Alleged Debt Amount or Balance : {$1100.00} Dear CMRE FINANCIAL SERVICES , INC AND XXXX XXXX, XXXX. XXXX, AND XXXX XXXX : I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. I request verification of the alleged debt. Specifically, I request the following items for verification : ( 1 ) a copy of a contract or agreement signed by me and the alleged original creditor that expressly authorized my legal obligation to pay the amount that you are now attempting to collect from me ; ( 2 ) proof that you are authorized to collect the debt on behalf of the original creditor or as owner, which may include a debt collection contract, if a debt collector, or bill of sale, if a debt buyer ; and ( 3 ) evidence and itemization of the amount due on the alleged debt, which may include proof of payment and receipt by me of any funds loaned or proof of charges for funds advanced for me. You are illegally attempting to collect the subject alleged debt because I do not owe that amount. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Consumer complaint received 2019-10-12
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I walked into XXXX XXXX with the intention of viewing some shirts. Expectedly, I was met with very push salesman eager to upsell me on a suit or suits. After some back and forth, I agreed to purchase two custom shirts and three ties. The merchant stated they would have the purchased items ready in 2 days time. Upon receiving my receipt, I noticed the total amount in XXXX was not what we agreed on in US dollars. 

At this point, I did not want to conduct further business with this merchant. I decided to leave the establishment to avoid confrontation and confirm my suspicion. In the taxi ride to my hotel, I confirmed they grossly over charged me for the merchandise, so I called to cancel this order that was placed just minutes before. Instead of honoring my request, they asked me to return to the establishment to be fitted for a suit. I declined several times and they insisted that they would not cancel my order. 

I politely declined to return to the store and simply asked to cancel the order before ending the call. They continued to harass me with follow up call via the XXXX. 

Proceeding the call, I contacted Capital One support describing the matter at hand and filed my claim. I have not received any goods from this merchant and have no interest in paying for merchandise I have not received or requested.