davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
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: DISCOVER BANK (NH)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVER BANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-11-11
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: WELLS FARGO & COMPANY (NH)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (SC)

Spring Oaks Capital SPV , LLC Had stated that a bill assumpted to be me was sent to me and paid in a amount of XXXX dollars or more. 

I dispute again this owning of a card called XXXX. Already in the year they said it was opened. Two years prior to that I was scammed out of money from a company who said I owed them money. And still getting emails from company 's telling me about giving them money for offers. 

I do not accept what this company claims. 
Ask the CFPB to step and remove the negative report, as I had already done with contacting the three credit bureaus. 

They state in their as if the charge happened in XXXX. This happened over four years soon to be five years ago. 

No word of it mentioned or said back then. 

This is not mine
Consumer complaint received 2021-10-22
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX Original creditor XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$570.00} XXXXL Original creditor XXXX XXXX XXXX XXXX Balance {$410.00} XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX Original creditor XXXX XXXX XXXX XXXX Balance {$110.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$140.00} XXXX & XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX Balance {$510.00} XXXX & XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-06-05
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TX)

This creditor is reporting negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer credit rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information.
Consumer complaint received 2021-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I DID NOT CONSENT, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING INQUIRIES ATTACHED. REMOVE THEM IMMDIATELY. 

THERE ARE ALSO ADDRESS LISTED THAT ARE NOT CONNECTED T ME AND INCORRECT DOB LISTED ON TRANSUNION WITH XX/XX/1983. 

THE ACCT LISTED BELOW IS NOT MINE : XXXX ACCT # XXXX i HAVE FILED FTC REPORT AND DISPUTED THESE ACCOUNTS NUMEROUS TIMES I HAVE NEVER RECIEVED PROOF OR VALIDATION THEY BELONG TO ME.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

My identity was stolen as a result of the XXXX data breach of XXXX.  I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with Experian.  I will not pay any fees associated with this request nor engage in any cumbersome process.  If Experian wishes to bill someone for the service they should bill XXXX
Consumer complaint received 2017-01-25
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

During a real estate transaction, our law firm, our client, and the agent were hacked and fraudulent emails & domains were created. We were sent wiring instructions from " our client '' to wire proceeds. Proceeds were wired to a XXXX XXXX account that was set up and used for this scam.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2016 I called my bank and asked if there were a program that they would allow me to writs a check to my phone/internet & TV service because I have a notice to be disconnected, I was told that I could apply for " Over Draft Protection '' and if approved they would honor the check and charge me {$35.00} to be paid on XX/XX/XXXX when I get my social security & SSI benefits, after a long wait I was told that I had been approved, I 'm XXXX year old, again on XXXX XXXX ( 2016 ) I called the bank and asked about the over draft approval to see if I could get {$20.00} knowing that on XX/XX/XXXX I 've have both of my benefits posted, I was told by the representative that as a courtesy he would reverse the {$35.00} that has been charged and I could go to my bank ATM and with draw {$20.00}, However there will be a {$35.00} charge and since he removed the first charge I will only have " XXXX {$35.00} ' charge for both transactions, I went to my bank out side ATM and was denied the transaction, I went inside the bank spoke to a representative and was told that she did not see any overdraft protection on my account and the ATM machine make the decision to honor the traction not a live person, I went home and later about 3 hours I received a notice that I owed {$68.00} now because the check was re-deposited on XXXX XXXX ( 2016 ) and a second charged was added. 
My complaint is : 1. When I spoke with the representative on XXXX XXXX and was informed that a program allowed me to pay a bill and be charge {$35.00} I accepted but the check was returned. 
2. Speaking with a representative on XXXX XXXX he did not mention anything about the check not being honored and lead me to believed that he has reversed to {$35.00} charge he never said anything about the approval for overdraft protection being left up to " A Machine '' ( ATM ) for approval, 3. I called again on XXXX XXXX at XXXX asking why the additional charges and approvals. 
4. On XXXX XXXX about XXXX I again looked at my account and XXXX {$35.00} charge has been removed now I owe {$34.00} I need someone to explain what overdraft protection mean and why a machine is the only approval source and why representatives do not keep notes on conversations when they advertise that a conversation XXXX be recorded.
Consumer complaint received 2021-06-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo held the mortgage on two of my homes. They denieD loan modifications, keys in deed of lieu or short sale three times in a row on both properties beginning XX/XX/XXXX through the later part of XXXX. 
One home located at XXXX XXXX XXXX, XXXX XXXX, ca XXXX was foreclosed by Wells Fargo around XX/XX/XXXX. 
The other home located at XXXX XXXX XXXX in XXXX XXXX ca XXXX, Wells Fargo continue to deny all options including short sale. Then in XX/XX/XXXX Wells Fargo sold/transferred the mortgage to XXXX XXXX and XXXX XXXX XXXX whom in turn followed suit with Wells Fargo and denied all options to loan mod, keys in deed of lieu or short sale and proceeded to foreclose on XXXX XXXX. 

So for a SOLID YEAR between Wells Fargo and XXXX XXXX XXXX Servicing the borrower was BLOCKED from any and all pathways to relinquish either of the two properties mentioned above until the lenders saw timing fit for their personal gains at the borrowers expense. 
Wells Fargo and XXXX XXXX did not follow the rules for foreclosure. They kept denying me the borrower any work out or short sale for a year and yet continuing to postpone the foreclosure date and adding additional fees. 

So I was forced to keep both houses in my name, denied a work out plan or short sale and continue to accumulate fees FOR ONE YEAR. This is an EGRIGIOUS ABUSE OF POWER! 

Between on or about XX/XX/XXXX to XX/XX/XXXX Wells Fargo held me tied to this property for over a year, they refused loan mod, they refused keys in deed of lieu, and the denied to allow me to short sale 3 times in a row and in each case Wells Fargo said that I qualified for short sale the relators also were approved for short sale with Wells Fargo. 
Then Wells Fargo sold the property toXXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX. 
Then XXXX XXXX and XXXX XXXX foreclosed on XXXX XXXX Then in the summer of XXXX the house sold. 
I did not receive any of the proceeds from the sale of that house. 
It is clear that the reason I was held in the mortgage was to allow time for the lenders and investors determined how much time would be needed to pad the bill with fees enough to justify keeping all proceeds from the sale of the home and stick it to the borrower for taxes on the sale. 
This is an EGRIGIOUS ABUSE OF POWER!! 
I am requesting a qualified written review and to receive proceeds from the sale of the property.
Consumer complaint received 2018-04-20
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. (CA)

XXXX : XXXX The credit reporting agencies are reporting the fraudulent schools studen loan on my credit report as verified, when in essence the school was fraudulent and could not have been verified. The school was sued and closed down in the state of California because of their fraudulent activities. Students from XX/XX/XXXX-XX/XX/XXXX student loans were suppose to have been forgiven. 

Equifax, XXXX  and XXXX will not remove from my credit report. 

They are reporting 2 separate loans by US Dept of Education incorrectly.
Consumer complaint received 2022-07-23
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. (MI)

I sent letters to all three major bureaus the date of the last letter to Experian was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance
Consumer complaint received 2021-10-22
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. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2016, I received 4 emails from Wells Fargo Bank, welcoming and thanking me for opening ( 1 ) Wells Fargo Everyday checking account, ( 2 ) Wells Fargo Way2Save savings account and ( 3 ) Platinum Debit card. I also received a thank you for registering to Wells Fargo Online. The problem is I no longer have any WFB account of any kind at the time. I previously held a {$80000.00} credit card which I had cancelled. I also previously had one of my XXXX accounts with WFB which I had since rolled-over to another bank. 

I can not get a straight answer or explanation from WFB about these emails. I am afraid that I may be a victim of identity theft or other financial fraud. 

I am attaching a couple of these emails. 

Sincerely, XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-06-15
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: Bread Financial Holdings, Inc. (PA)

My life is still being hack and trauma to it someone keep using my name and social security number .i keep disputing and nothing coming off i feel like this have torture my life and i get denied if everything because someone so cruel stole my life .I am a identity theft victim and its so sad .I need all my name to be clear i done everything and no one helping me at all. its so many errors on my credit report
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MI)

I was notified last year when attempting to purchase a home that this collection from a company that purchased my old apartment complex was attempting to collect. I do not have an account with this new company that purchased the apartment complex and assumed all its debt. I never had a rental agreement with this new company either. I moved out of XXXX XXXX XXXX in XXXX and this new company bought XXXXXXXX in XXXX. I had no further contact until XXXX when my credit report stated this debt was being collected.
Consumer complaint received 2016-01-19
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I was refused a PayDay loan because they have me listed as On Active Duty in the Military. See attachment. But I am a CIVILIAN and I have never been in the Military. I am XXXX years old. How in the world did I get listed as being in the Military? 
How can I get OFF this List of being On Active Duty in the Military. 
ASAP please!!! 
Thank you!
Consumer complaint received 2022-07-23
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (FL)

I have been paying back my Wells Fargo student loans since XXXX. When my parents who had consigned the loans filed for bankruptcy they excluded the student loans. I have paid on time. Also over the amount due when I can. They stopped sending paper statements after the bankruptcy started and stated I could still access my account online. For the past several years that has not been a problem until XXXX of XXXX. They then stopped allowing account information to be viewed online due to a new policy. The account is not in default. When talking to multiple people no one could tell me about this new policy and could not give access to the account. I now have to make phone payments and can not receive any statement to know where the payment is going, how it is applied or new balances without waiting to talk to a representative. I just want to have access to the online account so I can ensure payments are being applied correctly or to receive either electronic receipt or paper receipt of payments.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I'm not happy with the resolution proposed by Chase. " We will extend your Anniversary Free Night through XX/XX/XXXX, to include any of the XXXX hotel properties worldwide. '' They need to grandfather the promotion and not change it the way they want. This is not right! To remind them this was the deal when me and my wife signed up for this card : This is not the right way to solve this issue, the deal was a free night for every anniversary not only for first year. When I opened the card the deal was : " Chase XXXX  Rewards Club Select Credit Card Earn XXXX bonus points after spending {$1000.00} on purchases within the first three months of account opening Enjoy a Free Night after each account anniversary year at over 5,200 hotels worldwide Earn XXXX points per {$1.00} spent when you stay at an XXXX hotel Earn XXXX  points per {$1.00} spent on purchases at gas stations, grocery stores, and restaurants XXXX Rewards Club Bonus points are redeemable at hotels such as XXXX XXXX & XXXX, XXXX XXXX XXXX & XXXX and XXXX XXXX Platinum Elite status as long as you're a Select credit cardmember Automatic 10 % points rebate on redemptions {$0.00} Introductory Annual Fee for the first year, then {$49.00} a year " not just for XX/XX/XXXX, or XX/XX/XXXX, so they need to respect the promotion and the people who are their customers. For whoever got this Credit Card including my wife they need to respect the deal we signed. I'm also a Chase customer, I do my banking with them, I have my checking and savings account with them. If they are not willing to respect the deal I might end all my accounts I have with them and I'll be banking with another bank. Thank you,
Consumer complaint received 2022-07-23
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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

I had unauthorised/ fraudulent activity on an XXXX XXXX XXXX account from 2017 which was never investigated but was reported to chexsytems as overdrated and owing {$450.00}. XXXX XXXX XXXX never even did an investigation as stated in contract before providing this inaccurate information. The charges & fees were an result of the fraudulent activity that was never legally or properly investigated which is illegal. Their contract stated any fraudulent activity would be investigated by was not which is a breach of contract on their behalf and illegal to do to an consumer by law.
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CO)

I receive calls in excess of 6 times per day, every day, Monday through Friday, starting at XXXX and ending at XXXX. When I answer they ask for my wife. When I tell them she is out of town or unavailable, they say they will call back and hang up. They refuse to identify the balance owed, if any. Often there is no one on the line when I answer, and when I do n't answer, they do n't leave a message. I have identified to them on numerous occasions that they are harassing me to no avail. This has been going on for in excess of a year. These calls are severely affecting my ability to conduct my business.