davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 2018-05-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C. (WV)

I have disputed this account with each of the 3 credit bureaus and the only response I got was a statement added to the account stating that I disputed it. I have submitted a compliant to you in regards to this and the company responded that I disputed the claim with their office on XX/XX/XXXX which is true however to date I have no verification that this is my account. I have NEVER seen this physician and have contacted Credit Collections and the credit bureaus numerous times and am getting no where. This account needs to be removed from my record with all 3 credit reporting agencies.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

In approximately XX/XX/2015 I contacted Navient and requested the total amount due to bring my account current. The Navient representative provided me with a specific sum that needed to be paid to bring the account current. However, the information given to me was wrong and I was not advised of this fact until approximately 3-4 months later. At that time a different Navient representative advised me that I was given the wrong amount due XX/XX/2015 and that for the past 3-4 months I was past due and would be reported to the credit bureaus. Essentially, I relied the the Navient representatives representation to my detriment. This detrimental reliance caused me to suffer financially and has now directly impacted my FICO score and my ability to refinance my home loan. It is noted that this is not the first time that a series of actions like this have occurred and in fact this occurred approximately 3 times with Navient 's predecessor XXXX XXXX. The worst part is that Navient acknowledges that they made a mistake but takes absolutely no responsibility in remedying the problems they caused.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX, a vender " XXXX '' attempted to refund a purchase of {$150.00} to my Wells Fargo Debit card. However, I had closed all my accounts with Wells Fargo in XXXX of XXXX. Rather than rejecting the refund, as apparently is Wells Fargo policy, Wells Fargo accepted the refund and " took '' the money from XXXX. I attach verification from XXXX that Wells Fargo accepted the refund. 

I reached out to Wells Fargo 6 times and received the following answers from various people : - " The money is floating around our system, and there's no way I can access it. '' - " It's impossible that the refund was accepted by our bank. '' - " I can not pull up your accounts because you closed them in XXXX. '' - " I can see the transaction, but we need to wait 2-3 business days for it to bounce back to XXXX. '' - " I can not even see the transaction on our end. XXXX  must be mistaken. '' I have reached out to XXXX multiple times, and each time they assure me they have not received the funds back from Wells Fargo. As far as I am concerned, Wells Fargo stole my money. 

Also, Wells Fargo repeatedly refused to communicate with me in writing. I was hung up on multiple times. I was told all my calls were recorded, but that I could not have access to those recordings. These practices reek of deception and deniability.
Consumer complaint received 2021-06-15
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: LJ Ross Associates (IL)

I requested that XXXX prove to me how they " verified '' that the account with L J ROSS ASSOC is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to the creditor for their investigation of my dispute. To no avail. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point. Employees are rude, disrespectful and give false information while on the phone.
Consumer complaint received 2022-07-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2022-07-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2019-08-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (MI)

Great Lakes Educational Loan Services turned my loan over to the U.S. Department of Education due to default. I am now attending XXXX XXXX University. After contacting Great Lakes to inform them that I did not receive any correspondence from them to advise me of the status of the loan, they indicated an email was sent on XX/XX/XXXX. After searching my inbox and spam, I received nothing from them. They said they sent a letter back in XXXX. Their lack of communication regarding a loan going into default is absurd. If they would have done so, I would have requested a deferment ( as I did with another student loan thru XXXX ). My request is that this loan be deferred.
Consumer complaint received 2021-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have a previous claim : XXXX ARS Resolution Services also violated my cease & desist clause they keep spamming my house address with false correspondence and their records have two different service dates for a false debt. The evidence is provided in the documents.
Consumer complaint received 2019-08-02
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. (NY)

I have tried for 48 hours to log into my.equifax.com. 
They system accepts my credentials, but I'm then directed to call a number. When I call the number, I'm put in a loop. I've called 8 times. I keep getting transferred from one department to another, then, at some point in the process, they disconnect my call. 

Without being able to log into their system, I'm unable to monitor or impact Freezes on my account, without the telephone, which takes over an hour. 

It's difficult to believe this company is allowed to exist after trying to hide it's security breaches, and these continued failures in customer service.
Consumer complaint received 2022-07-07
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. (MD)

In Accordance with Fair Credit Reporting act XXXX, 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 15 U.S.C 1666B : A Creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-07
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. (NC)

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account number XXXX These lenders have accessed my credit file : XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 an account without my written instructions
Consumer complaint received 2019-08-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank closed two of my accounts on XX/XX/XXXX with no explanation, notice, or warning. After 28 days, Chase has provided no status on when I will be receiving my funds. 

Account 1 had {$13000.00} in it. Account Number : XXXX Account 2 had {$7600.00} in it. Account Number XXXX There was no fraud or other bad activity on this account. Chase is keeping the money so they can collect the interest on it. I have followed up with the bank numerous times only to be placed on hold for over an hour each time I call. Whenever I speak to a branch manager, I am told to call back in two weeks. Nothing has been resolved. 

Contact I have been dealing with : XXXX XXXX, branch manager. Phone : XXXX XXXX XXXX.
Consumer complaint received 2022-09-26
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. (FL)

Someone have been applying for credit in my name at the following places - XXXX XXXX XXXX  XX/XX/XXXX th XXXX XXXXXXXX XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  -- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- - XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (GA)

Got a notification indicating that my account was being logged into from a different IP. I froze the account and then contacted the Gemini Help Desk in order to get my account unfrozen. I've gotten some back and forth and followed through with all the steps they needed from me. My account is now both frozen and can't be logged into and I have gotten no updates/replies back from Gemini. This started XX/XX/2022.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AL)

Yes my name is XXXX XXXX. And I had received a copy of my consumer report from Lexisnexis and I notice and public record those two accounts ( XXXX XXXX ) and ( XXXX  housing authority ) which is a civil judgement/lien I will like to dispute those fraudulent eviction form my credit report please remove those accounts
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY ()

I closed my account with Wells Fargo ( their XXXX ) on XXXX XXXX because of the new XXXX residency XXXX ( now permanently resident in XXXX XXXX XXXX and I was forwarded forms that I was instructed to download, fill and return the original documents by courier to XXXX address in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at XXXX. Signed by a XXXX ) but have not received any meaningful response from the bank since.
Consumer complaint received 2021-06-15
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: Experian Information Solutions Inc. (CA)

I co-signed a loan for my ex wife and she defaulted and now Im left with a charge off thats hurting my score tremendously Ive tried to get them to remove and this was also involved in litigation.
Consumer complaint received 2022-09-26
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. (CA)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-07-03
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: JPMORGAN CHASE & CO. (NY)

Re : Chase account XXXX To Whom It May Concern : I continue to dispute the validity of this account. I request a copy of all information use to open the account. I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/XXXX, {$510.00} was paid via debit card to Commenity Bank to settle the balance owed on XXXX card # XXXX. While the initial payment mistakenly entered charge back, the payment was successfully settled on XX/XX/XXXX, and Commenity confirmed the payment was successfully received by XXXX Bank, through the charge back system on XX/XX/XXXX ( Trace/Transaction ID ARN XXXX ). Even though they have confirmed the payment was successfully received, they have refused to apply it towards the balance. Multiple attempts have been made to open inquiries as to why this has not been resolved, however their research process only supports the review of XXXX payments. I have attempted to file complaints with XXXX XXXX XXXX and have found that most of these complaints were never actually recorded. It has now been a year, and I have been informed that the account has been charged off. This is now at a point where my credit is being negatively impacted and many fee 's have been applied to the balance. As of right now an additional {$310.00} in fees and interest have been applies to the balance. At the end of XXXX my inquiry had been escalated to a XXXX that was supposed to investigate the matter further, however they came to the same conclusion : their system is only designed to research missing XXXX payments. Shortly after discovering this information the XXXX closed out my inquiry without further pursuing properly, applying the payment to my account. XXXX XXXX has XXXX my payment for 11 months and does not have a supporting procedure to apply the payment to my account. On XX/XX/XXXX a letter was issued communicating that the account has been charged off and will be handed over to a collection 's agency, XXXX XXXX XXXX XXXX. This letter was issued 15 days after it was deterrmined that further research was required before proceeding. 
We have had numerous denials of our claim, each refusing to research further to find the money. We would expect a full investigation of this matter, with full credit of {$570.00} sent to our XXXX Bank account and all fees and interists removed. Also a repair of our credit standing, showing that this whole fiascal was the fault of Commenity Bank and theirs alone! 

XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX, 2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2019-08-02
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. (CA)

I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX  XXXX. XXXX/XXXX, XXXX, XXXX, DEPT OF ED/XXXX   -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Consumer complaint received 2022-09-26
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)

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 validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of Ed/XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''