davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

Several attempts to resolve the issue have failed, the dispute department are being unfair about the amount involved, I paid it under duress to prevent more late fee 's. The original issue is ongoing since XXXX, XXXX. Wells Fargo charged me {$100.00} after the same amount was already paid to my cell phone service XXXX XXXX, using the same Wells Fargo credit card. The amount I eventually paid was reduced from {$100.00} to {$100.00}, pay date was XX/XX/XXXX. Wells Fargo case specialist, XXXX XXXX. Wells Fargo case ID : XXXX, informed me that Wells Fargo paid {$100.00} to XXXX XXXX  on XXXX XXXX XXXX XXXX XXXX could not find the transaction and required a Transaction number, several attempts and several case IDs and case specialists later, with Wells Fargo, I still do not have any transaction number to verify the payment was made to XXXX XXXX. I still was required to pay {$100.00} on XX/XX/XXXX. Wells Fargo owes me {$100.00}, they most likely do not have a transaction number because the transaction never happened.
Consumer complaint received 2020-07-27
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. (NC)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These fraudulent accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 

XXXXXXXX ACCT : XXXX AMT : {$130.00} XXXX  XXXX XXXX ACCT : XXXX AMT : {$250.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$500.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$630.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$2300.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice:7 XXXX XXXX XX/XX/2020 XXXX   XXXX XXXX XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX  and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-12-13
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)

XXXX XXXX XXXX that starts with XXXX ) I requested for the credit bureau to Please validate information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. In response they stated the company that reported the information has certified to that the information is accurate. IM REQUESTING TO SEE THE CERTIFIED INFORMATION THAT WAS RECEIVED BY THE CREDIT BUREAU, IN ADDITION, THE i Method of Verification. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2018-05-01
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: EQUIFAX, INC. (TX)

Upon looking at my account i noticed that I have over 50 inquires on my report that dot belong to me. I have sent certified letters to the companies, as well as disputed them through Equifax directly ad they have yet to be removed. These inquires are fraudulent and should be removed asap. I have even places a fraud alert on my credit file to prevent this from happening. please see the list of fraudulent inquires below.
Consumer complaint received 2020-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (FL)

I made the following payments on XX/XX/2020 to this XXXX XXXX, a debt collector and it is referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; These accounts have been paid and to date Equifax and XXXX XXXX are still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to Equifax received on XX/XX/2020 and a letter to XXXX XXXX received on XX/XX/2020 they still have not reflected the payment.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Inspite of many previous requests to Experian, XXXX, XXXX XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction in the attachment furthermore XXXX REFUSED TO GIVE ME AN UPDATED CREDIT REPORT AFTER PROVDING GAS BILL AND DMV
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation (TX)

On XX/XX/2024 OneMain reported a charge off to me and my husbands XXXX credit bureau. 
The amount is {$970.00}. 
This loan has been in a XXXX XXXX bankruptcy since last year. 
According to XXXX and my trustee, the loan for OneMain was completely paid off on XX/XX/2024. 
The department I need to speak to is only open m-f XXXX. I work these hours and have very limited time to continuously trying to get a hold of someone at One Main. 
I want this charge off to be removed from our credit bureau, I filed a dispute with XXXX on XX/XX/2024.
Consumer complaint received 2022-06-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX 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
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (NY)

I have been trying to resolve this from XX/XX/2022 Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I have sent the company multiple notices I have sent XXXX a copy of the police report as well as the FTC Report as well.
Consumer complaint received 2020-07-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I have had a title loan with TitleMax for XXXX over a limited time period, I continue to try and catch up making payments but everyday they add XXXX to XXXX $ fees not allowing me to even get caught up.How can I possibly get caught up when Im being charged late fees so my bill went from around XXXX $ to XXXX XXXX 
My name is XXXX XXXX XXXX ss.
Consumer complaint received 2018-10-18
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. (UT)

XXXX and XXXX XXXX XXXX XXXX are currently double reporting on my credit file. Also, this should NOT be reporting as a charge off. This is in clear VIOLATION of the FCRA.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The thief made opened fraudulent account using my personal information. Pursuant to federal law, I am requesting a full investigation under regarding the fraudulent account listed in my personal credit report. 

This account is not mine. They was opened as a Fraud.
Consumer complaint received 2022-06-16
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. (GA)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX 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
Consumer complaint received 2022-06-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX 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
Consumer complaint received 2018-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (FL)

Hello, my problem is with XXXX/ XXXX of XXXX Florida . I moved into my new apartment at the beginning of XX/XX/2018, few months ago. I transferred my XXXX account from prior address to new. In doing so, they claimed I owed them XXXX dollars. I told them I did not. They kept pushing so to stop them I sent the XXXX dollars. About a month later they sent me a check for XXXX dollars, overpayment. After I paid them for the first month, XXXX, I started getting calls for late payment and eventually I was receiving 3 to 5 calls per week from them by humans as well as recorded calls threatening to turn my service off. Even after explaining to the person XXXX received and cashed my check they didnt believe me. By the second month the calls got worse. Again I paid them XXXX for the second month ahead of time but the phone calls got worse. They were claiming I did not pay anything by this time. I went to the bank and got copies of both checks paid to them. By this time they turned my service off. I took their equipment and my cancelled checks to them. They made copies to keep, put the info in her computer and said no problem, this will be the last of the harassment. Now I am getting calls from a collection agency and they dont care it was paid and dont want to hear it. He recommended I pay it again to end it. I do not know what else to do but to file a complaint.
Consumer complaint received 2024-03-07
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (RI)

Tried using the cards for gasoline and was denied. tried using the cards for online shopping and failed. I loaded money on these cards and can not even use them anywhere. I am struggling to pay bills and have no access to my own money on these cards. my order did not exceed the amount on the gift card.
Consumer complaint received 2022-08-26
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: Experian Information Solutions Inc. (MO)

This is my 3rd CFPB complaint to inform the Credit Reporting Agencies that I am a victim of identity theft and I complain to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Under the provisions of the FCRA section 605b, I need the following item deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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. (MO)

This is XXXX XXXX, submitting yet another CFPB complaint today to inform the Credit Bureaus to reinvestigate and correct or update the following disputed accounts from my Credit Report. I am submitting this Complaint in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I need the following accounts removed from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mid-Atlantic Finance Co., Inc. (VA)

CFPB this is a NEW COMPLAINT WITH NEW INFORMATION. Please do not continue to let this loan shark of a finance company to continue to close out as duplicate as this is not. I will not cease until my i receive recompense for being charged erroneous fees in this consumer transaction. 

Not only that, there is an affidavit that was initially sent and should be responded to with a affidavit responding to each fact. There are several violations here all of which i will compile and present to my attorney if i do not receive amount requested as a result of violations outlined or possible settlement
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX can you confirm yes or no XX/XX/2020 did XXXX  In fact remove both your accounts from their/ my credit file?? You are one bank reporting To 3 or 4 reporting agencies? What you report should be the exact same reporting so how are you refusing to delete the two tradelines from Experian??? 

XXXX  XX/XX/2020 can you confirm simple yes or no did XXXX  in fact remove your tradelines from their / my credit file?? Again you are one bank reporting to 3 or 4 bureaus?? What you report should be the exactly same reporting so how are you refusing to delete the two tradelines from Experian I tell you you and Experian are shady and you both going to get XXXX in court if you dont stop doing illegal XXXX. I give you both 24hrs to remove the XXXX illegal XXXX ask your friends over at XXXX  did they get XXXX up and I will do the same XXXX to you if the XXXX XXXX  cards are not remove today XXXX  XXXX  send proof that the two tradelinea were removed on those date. XXXX  XXXX you? 
Would you guys do this to your momma but again you both of two XXXX  XXXX  XXXX  XXXX  XXXX Seriously
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I am a long-time customer with Chase Bank XXXX I have 2 checking accounts, 1 savings account, and a Chase Freedom credit card. I have no other accounts with any other bank. 

Every month I receive a credit card statement in the mail and every month I send in a check with the statement portion to pay the balance on my credit card account. In XXXX of this year ( 2022 ) I received my monthly credit card statement, and I sent back the form along with a check payable to Chase Cardmember Services ( check # XXXX ) in the amount of {$8000.00}. I also printed my credit card account number on the Memo line of the check. A few days later I checked my checking account balance and saw that the XXXX had been withdrawn. I also checked my credit card balance and saw that the XXXX had not been credited to my credit card balance. 

I called the bank to ask for an explanation and I was told to submit a written complaint to request an investigation which I did. When I called Chase this month ( XXXX ) to check on the status of the investigation I was told that an unknown individual had cashed/deposited the check to their account atXX/XX/XXXXXXXX and the XXXX was allowed to be withdrawn from my checking account by Chase. I also received a letter from Chase in XXXX stating that they were still investigating this with XXXX XXXX XXXX and it may take an additional 90 days to complete, and that Chase was blaming XXXX XXXX XXXXXXXX for the screw-up and Chase refused to replace my money to my account. 

I have absolutely no culpability in this gross negligence on the part of both banks. The check was clearly made out to Chase Cardmember Services with my account number written in the Memo line of the check. There is no excuse as to why this was allowed to be cashed at XXXX XXXX XXXXXXXX to some unknown individual. Can you help me?
Consumer complaint received 2018-08-02
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. (TX)

I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

Ive reviewed my credit report and have noticed that my credit report is not reporting 100 % accurately. Pursuant to XXXX XXXX XXXX ( b ), accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the info concerning the individual about whom the report relates. There are a few items that are reporting inaccurately on my credit report and need to be deleted since they are violating XXXX XXXX XXXX ( b ) by keeping my credit report from reporting 100 % accurately. According to XXXX XXXX XXXX ( A ) ( XXXX ), " If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 
XXXX XXXX XXXX Balance : {$910.00} Inquiries Included in Dispute SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-06-16
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. (NJ)

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission