davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

Requested proof of debt from the Ohio attorney General, Law Offices of Robert A. Schuerger Co. , LPA. If this is not the attorney General, then this office has outright lied to me, saying that's who they are and represent. As well as, in the last 2+ years, they call me once a week and they've been charging me for a debt from XXXX XXXX XXXX XXXX Without Proof of debt. I had asked them to provide the proof of debt around XX/XX/21 or XX/XX/21, possibly earlier, and had never received it. I returned a call to the law office on XX/XX/21 and the person working said that they were still waiting on XXXX University to send them the Proof of Debt. I told them I would continue to pay on this once the proof of debt was received. They have my correct information, and always have. So the law offices of Robert A. Schuerger Co. , LPA have been trying to collect on a debt, they legally had no proof of. I am reaching out to a lawyer about this issue. I hope it can be resolved without legal help, but obviously they can't even provide a simple proof of debt.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (NJ)

The XXXX XXXX XXXX XXXX XXXX is issued by Wells Fargo. I make on-time payments through my bank, and I received a letter from Wells Fargo, notifying that they decreased my credit limit, which placed my credit use at 115 %. This creates an issue because it immediately lowered my credit score. The letter states that they are choosing not to reveal the reasons why they decreased my credit limit. This is an abusive practice and is detrimental to my credit history.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (FL)

I HAD A BANK ACCOUNT WITH WELLS FARGO BANK XXXX INCUDING CHECKS & DEBIT CARDS. {$4000.00} OF SOCIAL SECURITY DIRECT DEPOSIT MONTHLY BENEFIT CHECKS WERE LOST OR STOLEN. I FILED THIS AS MISSING WITH WELLS FARGO BANK ( S ). I DID NOT RECEIVE A RESPONSE OR RECOVER ANY OF THIS MONEY. I RECEIVED A CHECK FOR {$10.00} THIS WEEK STATING THAT AFTER BANK FEES THIS IS THE TOTAL ACCOUNT RECOVERY PAID TO ME. THE ACCOUNT IS GREATER THAN 7 ( SEVEN ) YEARS OLD & WAS CLOSED WHEN I DISCOVERED THE {$4000.00} SHORTAGE.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

Attempted to access my Equifax consumer report via XXXX but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE from Equifax. PLEASE SEND IT VIA MAIL TO THE ADDRESS PROVIDED IN THIS COMPLAINT. THE PERSONAL INFORMATION I PROVIDED IN THIS COMPLAINT SUFFICE AS MY PROPER IDENTIFICATION PURSUANT TO THE FCRA.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

Since XX/XX/XXXX, I have been a XXXX XXXX XXXX American Veteran ( XXXX ). In XX/XX/XXXX, the Department of Veteran Affairs ( VA ) mistakenly reported me as DECEASED, which also VOIDED my Social Security Number. In XX/XX/XXXX, the Department of Veteran Affairs corrected my VA files ; and also in XX/XX/XXXX, I went into my Local Social Security Administration ( SSA ) office and had my Social Security Number reactivated and reflowed through the SSA system ( see attached entitled SSA Letter ). The only problem I am still having for the past 6 years is when a potential Lender/Creditor request my Equifax  Credit Report. Every time a potential Lender/Creditor request my Equifax Credit Report, the Equifax Identity Report generated shows me as DECEASED ( See attached entitled My Equifax ID Report ). I am not having this DECEASED Identity Reporting problem when Lenders/Creditors request my XXXX or XXXX  Credit Reports.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX Account XXXX I have requested this information to be verified with all three credit bureaus as the information is inconsistent and incorrect and they have refused to correct In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to block any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX Balance XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I received a letter from my bank dated XX/XX/2021 that starting XX/XX/XXXX I need to send payments to SPS [ Select portfolio Servicing inc ]. 
I did send XXXX payment but SPS applied it to XXXX saying I should have send them payments starting XX/XX/XXXX and not XX/XX/XXXX as letter said. 
I called SPS and XXXX XXXX bank several times trying to resolve this issue with no luck until today.
Consumer complaint received 2022-10-14
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. (FL)

Transunion, XXXX or XXXX are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the information.
Consumer complaint received 2023-03-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

In XXXX, I was a XXXX XXXX XXXX XXXX. My husband is a XXXX veteran who owns a small business. His small business was struggling due to Covid related economic issues. We reached out to Wells Fargo about suspending our mortgage payments for 6 months. They were very helpful and after 6 months they offered 6 more. At 12 months they offered 6 more and we declined. We resumed our normal payments. 9 months later, Wells Fargo decided to take our mortgage back to underwriting, stating we might not qualify for the same amount or interest rate. My husband was both very scared about losing our home and upset because we had already resumed payments at the full amount, and had never even been late. Two years later we are still dealing with Wells Fargo. We did everything they asked with underwriting. They change our interest rate. Very unfair. We just dealt with it and let it go until now. Now we are receiving letters stating because of us pausing our mortgage our escrow account is in the negative and we need to write them a check for {$12000.00}. We need help. I dont know what to do with them. They were supposed to help us during a global crisis and instead all they have done is cause us extra stress and burden.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (VA)

I.C. Systems IncXXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Reference # XXXX XXXX has been sending me collection notices in the amount of {$720.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have some hard inquiries in both transunion and XXXX that are not mine, both companies refuse to delete them. I have contacted them several times by phone and certified mails and they just ignore me.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

bankruptcy case number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX is not reporting accurate information as a result their inaccurate reporting is negative impact on my credit. 
XXXX XXXX  has not updated my account with the credit bureaus since XX/XX/2021. 
I have called numerous times, it has been explained to me XXXX XXXX system was hacked but the issues they had has been resolved, they have not. 
I was in the process of buying a car and needed all my revolving accounts paid down, My car broke down and I am forced to rent paying {$300.00} a week. XXXX XXXX  reported me over the credit limit on XX/XX/2021, with a balance of {$800.00}. The balance currently reporting is NOT accurate. My current balance with XXXX XXXX is {$250.00}, I must have this corrected immediately.
Consumer complaint received 2022-10-14
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to CORRECT THE ACCOUNT AND DELETE ALL INQUIRIES ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXL Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX BANK SS XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

On XX/XX/XXXX, I contacted Chime regarding fraudulent use of my debit card and I also reported it stolen. They claim to issue me a new one, I have not received it yet - My first 3 transactions which totaled close to XXXX was denied- for no reason whatsoever. Everytime I call to check the status of my claim- I am told different lies by different people claiming to be Supervisors. 
I was also told while my claim was being investigated that I would receive a provisional credit for my loss of money and that was also a lie. 
My dispute claim numbers are XXXX And XXXX. 
I was denied on XX/XX/XXXX. 
This has affected me and my family a great deal and placed us in a huge financial burden while all this time - Chime and its employees lied to me.
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. (GA)

I have paid at least 3 companies to get these things removed and also asked the bureaus. Only address on my file should be XXXX XXXX XXXX XXXX. All others are fraudulent
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

XXXX has 2 credit inquiries from the same exact bank which lowered my credit score. Not only that, but I didnt authorize either one. Its XXXX XXXX/XXXX. XXXX has also been charging me a monthly charge of {$39.00} which was not authorized and has placed an unauthorized alert on my credit file stating that I must be contacted by phone before extending any credit yet theres no phone number that XXXX will release. XXXX XXXX sent me a letter last week to let me know that.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2023, I made a payment of {$1100.00} towards my CareCredit card. This amount was made towards a promotional balance ending on XX/XX/2023. I have had various promotional balances paid off and CareCredit always put my payments towards those balances. Until this time. Instead of applying the VERY large payment towards the promotional balance, they applied it to the revolving balance on the card. I called to get the issue addressed and pointed out that they never handled my payments like this before, and because it has been over 60 days they are refusing to correct the application of the payment.
Consumer complaint received 2019-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I contacted capital one numerous times. I disputed these fraudulent inquiries 4 times with XXXX, XXXX and XXXX. I contacted the cfpd and asked your company to investigate this. 

I really need help removing fraudulent information that is being reported incorrectly on my credit report. 

Capital one told the CFPB that thy investigated this and only found that 2 of the inquiries were fraudulent and the rest were validated. What human being in their right mind would apply for credit from the same time this many times? None, no one. 

All these inquiries should be removed immediately. They know these inquiries are not mine. They know someone is contacting their company pretending to be me. So why won't they remove all of this information from their files and my credit report. 

I asked them for signed contracts, documented proof and validation. They failed to provide me any of it. 

How did they verify the rest of the inquiries and what is different between the two that were fraudulent and the rest that were not. 

Theses are illegal, they are violations.
Consumer complaint received 2019-02-12
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)

ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXX:XXXX although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. 
I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Failure to enter the required notice of dispute per section 623. 

I have never done business with XXXX XXXX yet Experian lists an open date of XX/XX/2018. How is that accurate? 
There should be no past due on a charged off/closed account yet Experian lists a past due amount of {$2200.00}. How is this accurate? 

There should be no negative payment history on a collection account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.