davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I went in to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 my personal information ( phone number, ssn, home address etc ) was compromised by an unknown person whom I will call hacker. 

The hacker accessed my banking app with the information he obtained. 
At the same time I was calling wells fargo multiple times in order to lock and freeze my account and stop anyone from accessing the funds, but the workers from WellsFargo were not very effective at protecting my account and the hacker continued to have access to my card and account, The hacker then transferred money in my account to different crypto currency platforms such as coinbase, crypto.com, and XXXX. Also the hacker used XXXX to transfer money to someone named XXXX whom I do not know. The hacker also used atm from different locations and withdrew thousands of dollars. When I finally had access back of my account from visiting the branch in person I saw unknown phone number registered on my WellsFargo banking applicatoin. ( all will be attached as files ) Even with my full effort to stop this from happening the damage was done. So I filed police report and soon was able to have detective investigate my case and is currently going on. 

I have requested reimbursement of this fraud to WellsFargo but they rejected saying that they think it is me that did this. 

The response from WellsFargo was very unexpected since this is a very obvious case of fraud and they have record of me constantly reaching out to them to stop this from happening. I had no idea who I needed to contact for help then found out about CFPB. 

Please resolve this case for me, I will provide any additional information needed. Also all attachments that I have will be uploaded with this ticket. Thank you.
Consumer complaint received 2021-04-15
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

Sallie Mae the original creditor sent a letter to a reference on my loan and listed my debts on this loan. They also informed my reference that I put my loans into forbearance. Sallie Mae has transferred my student loans into a Navient account. I am writing this letter because Sallie Mae violated federal law by listing my debt and informing a friend of my debt.
Consumer complaint received 2018-11-29
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: AMERICAN EXPRESS COMPANY (FL)

XXXX has been non-compliant with removing the unverified account AMERICAN EXPRESS XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I need help!

I am a XXXX XXXX, a former roommate XXXX XXXX, XXXX XXXX convinced me to open ( 3 ) bank accounts so she could deposit counterfeit cash and write bad checks against the balances.

I would like my name within your system restored to a good status.

XXXX XXXX was able to assist me. Unfortunately your customer service was unable to help me
Consumer complaint received 2018-10-13
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. (NJ)

AUTHORIZED USER ON SUBJECT CARD UNTIL XX/XX/2018. 
OWNER OF CARD ASKED CREDIT CARD COMPANY TO REMOVE ME, AND THEY DID. 7 MONTHS LATER THIS ACCOUNT STILL SHOWS AS MY DEBT AND IS A NEGATIVE FACTOR ON MY REPORT. THIS IS NOT MY ACCOUNT, NOR RESPONSIBILITY. THIS INACCURATE REPORTING BY THE CREDIT REPORTING COMPANIES IS CRIMINAL! WHY DO YOU LET THEM GET AWAY WITH THIS? I DEMAND REMOVAL! THIS IRRESPONSIBLE BEHAVIOR IS UNFAIR TO THE CONSUMER!
Consumer complaint received 2018-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Perfection Collection (CT)

In response to XXXX. I have SEVERAL other XXXX accounts and XXXX XXXX   XXXX  is ONLY an installer of the security equipment, they do not provide monitoring services ( at least in XX/XX/XXXX-XX/XX/XXXX they didn't ). Once the installation is complete the monitoring services are provided through XXXX monitoring sites, as XXXX XXXX XXXX does not offer monitoring services. That is why the only bill I received for the account in dispute came from XXXX in XX/XX/XXXX, and not XXXX XXXX XXXX, and that is why in XX/XX/XXXX the service interruption notice came from XXXX and not XXXX XXXX XXXX. That contract that you have is not legit ... that's not my signature, as you will see when I feel it is needed to show my other contacts, and tthe monitoring contracts that I possess have XXXX logos and not XXXX XXXX XXXX. The only XXXX XXXX  XXXX logo I have is for the purchase and installation of the security system. I will proceed to fight this because there is a scam somewhere. I will be proceed to the next step since I now have a copy of your fraudulent XXXX XXXX XXXX contract that I never saw or signed. The document itself is fraudulent and forgery is illegal.
Consumer complaint received 2023-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Siggi LLC (FL)

Omni is refusing to send out a payment letter or shown its been paid by third party. They said I had to payback the lawsuit check as well. I just paid over XXXX and they are denying my proof of payment Dear XXXX XXXX XXXX, We received your recent request and need to speak with you concerning your request. Please be advised your account is held with XXXX XXXX XXXX. 
You can reach XXXX at XXXX. 
We may need to verify personal information in order to process your request. 
Thank you for choosing Omni Financial. 
Sincerely, 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  Creditor : Omni Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX We have received our payment of $ XXXX. The account is paid In full Once the funds clear and the proceeds are applied to vour account. vour account will be considered closed For information concerning your account, phone me at our toll free number XXXX. 
XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT. 
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 
PLEASE REFER TO REVERSE SIDE FOR IMPORTANT INFORMATION De PLEASE DETACH AND RETURN BOTTOM PORTION WITH PAYMENT. KEEP TOP PORTION FOR YOUR RECORDS. 
Creditor : Omni Financial XXXX Account # : 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 VISIT US ON THE WEB XXXX XXXX by using debit, credit, or XXXX. Please note, paying by credit card is only for select creditors
Consumer complaint received 2022-09-15
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. (CA)

On XX/XX/2022, TransUnion did knowingly and unlawfully permit a negative item resulting from civil-rights violations to remain on my creditreport. Although my XX/XX/2022 complaint two-day investigation into and the process to disclose a complete factual background into the illegitimacy of the debt were too short to fully account for the creditor 's offenses, TransUnion rejected the notion that crime does not pay. Having previously seen XXXX validate similar misconduct -- keeping fraudulent items on my creditreport, as if accuracy could ever legalize a debt generated by a creditor 's wrongdoings -- TransUnion mistakes accuracy for legality, making the creditreporting agency complicit in the financial terrorism arising from violation of New Hampshire and federal law. That the debt could have been generated, in the firstplace, places XXXX XXXX XXXX  University at-fault for the debt. New Hampshire is negligent in the performance of its duties to its masters, the People of the State of New Hampshire.
Consumer complaint received 2018-11-29
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: National Credit Systems,Inc. (GA)

XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-10-13
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: U.S. BANCORP (WA)

XX/XX/2018 XXXX XXXX  - I requested a credit increase on a credit card from US Bank, and it was never disclosed by the US Bank representative that there would be a credit inquiry. I did not authorize the a credit inquiry by US Bank. 

XX/XX/2018 - I spoke to a US Bank supervisor ( XXXX XXXX ) that went back and listened to the call and confirmed that the US Bank representative did not disclose the credit inquiry and in turn did not authorize the credit inquiry by US Bank. I was told that I would have to fax a Credit Dispute to US Bank with the information and that it would be removed. 


XX/XX/2018 - I followed up with US Bank and spoke to a US Bank supervisor ( XXXX XXXX ), and she said nothing can be done. 
US Bank is not appropriately responding or taking action to my request. I just want US Bank to delete the credit inquiry. As it is having a negative effect on my loan applications and my acquisition of credit.
Consumer complaint received 2018-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

I have contacted PROCOLLECT several occasions and they have stated that they report to the credit bureau, every beginning of the month. My debt has been paid since XX/XX/2018. I have a letter stating balance is paid in full. But still every time I dispute, when report is done ; company verify debt is correct. But I've paid the XXXX balance that's shown.
Consumer complaint received 2022-05-03
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Consumer complaint received 2022-05-03
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. (RI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Consumer complaint received 2018-11-29
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. (CA)

Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX, XXXX XXXX,, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TN)

I paid this debt on XX/XX/2018 over the phone with a call rep. I would like for this debt to be DELETED from all credit bureaus its stopping me from getting a home and having good credit. Please DELETED this account. XXXX
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have an collection account on my credit and I reached out to the company. They sent me an email stating the issue is resolved and gave me a their party to contact which I did and they don't respond. The loan wasn't opened in 2018. I didn't do that.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Company put a hold on my card so I can't use it even though I specifically called to complain about the hold being on the card. Spent the entire day trying to get the hold off the card. Still to this day the hold is still there even after expressing not wanting it. And I still can't use my card. There reps would not assist. I told their rep to remove it before my call got disconnected. It took nearly 2 hours to reach them in the first place. Hold times are ridiculous. Terrible customer service.
Consumer complaint received 2018-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It is very clear that Transunion is providing false information on my credit report, worst is, when I contacted them to dispute the accounts and ask for evidence or proof of ownership, they could not supply one.. CFPB amp up and remove XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

On XX/XX/19, I sent certified letters to NMAC ( Nissan Infinity ), XXXX and XXXX. The letters were sent in response of a repo from XX/XX/XXXX. I stated to XX/XX/XXXX and XX/XX/XXXX that they were reporting false and inaccurate information, ie ... no closing date, no Terms listed, monthly payment still showing an amount, etc. I wanted a deletion because of this inaccurate info. I also included in my letter to NMAC that they illegally replied the vehicle from private property, I was never sent an Accelerated Notice, not a Notice Opportunity to Clear or a Post Repo Notice. They have been reporting a balance more than {$9000.00} but when they received my certified letter, I then received a letter a company not legally able to do business in Ga called XXXX, stating my new balance was over {$3000.00} and they were trying to collect from me. 
I need this account investigation because of illegal and inaccurate practices. XXXX not XXXX has sent me an explanation or anything and its been over 30 days. Thank you.
Consumer complaint received 2022-03-02
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: OneMain Finance Corporation (MD)

Hard inquiry into my credit without my permission. " OneMain Financial ''. On XXXXXXXX XXXX ; ref XXXX. I have not heard of this company, did not make any credit applications and I do not think this is a legitimate company.
Consumer complaint received 2022-03-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc. (NJ)

There was not appropriate info for me to pick the right reason for the complaint. I have another complaint against this company for the exact same issue. 
This is a debt that was CHARGED OFF XX/XX/2020 and this company Financial Recovery XXXX is now reported it as a NEW RECENT COLLECTION ACCOUNT How does it go from a charge off to a collection account. This is re-aging an account which to my knowledge is illegal. These companies are crooked and constantly selling loans and ruining peoples credit. I know I owe the money and I am willing to settle BUT i am not going to unless they report back to a charge off with the correct charged off date and then I settle the charge off My score has dropped significantly because they reported this as a NEW account. 
How does it go from a right off - charge off to a collection? Its a collection first then a charge off we dont go backwards
Consumer complaint received 2018-11-29
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: WELLS FARGO & COMPANY (GA)

XXXX  has been non-compliant with removing the unverified account WELLS FARGO HOME MOR which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that WELLS FARGO HOME MOR was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department Experian   XXXX XXXX XXXX Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX  account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. 
Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.
Consumer complaint received 2018-11-29
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. (CA)

Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have XXXX clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   ) XXXX, XXXX XXXX XXXX, XXXX XXXX