davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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: CMRE Financial Services, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-02-26
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. (AR)

My bank called me and told me there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made a account with XXXX XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$1200.00} DEPT OF EDUCATION/XXXX XXXX {$26000.00} XXXX XXXX XXXX {$400.00} XXXX/XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-02-26
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. (AR)

My bank called me and told me there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it was not mine. I then later that day got a second call from another bank and I immediately knew my identity had been stolen. I got online and made a account with XXXX  XXXX and got a copy of my report. For several years my name and social was used to open accounts that are not mine. Please remove these items from my credit report. 

XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$1200.00} DEPT OF EDUCATION/XXXX  XXXX {$26000.00} XXXX XXXX XXXX {$400.00} XXXX/XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX {$2500.00} XXXX  XXXX XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-02-26
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: EQUIFAX, INC. (TN)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2020-02-26
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. (TN)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off account in the amount of {$13000.00} on the XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. My now deceased husband took out this loan and signed this agreement on his own. I did not sign any documents with XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The Capital One XXXX account XXXX should not be reporting on personal credit. Original agreement made through business I did not personally guarantee. Requested Original Loan application via credit dispute I have not received anything as a result must be removed from personal credit and properly updated.
Consumer complaint received 2024-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I filed a formal complaint about this loan servicer company deciding to arbitrarily put my account into forbearance after I submitted a claim to the department of education to have the remainder of this loan discharged due to misleading statements about the school for which the loan was taken out to pay for. 

In response, the loan company flippantly pointed out some sort of statement mentioning the President Joe Biden, and then just essentially stated that they can not or rather will not remove the accrued interest without providing an explanation as to legally why they are able to do this or why they will not remove the accrued interest, other than the obvious fact that would mean them not being able to demand as much money from me as they can possibly get away with.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (GA)

I was hired on by XXXX XXXX XXXX  XXXX. I have a signed contract and acceptance letter. They sent a check for {$3200.00} with instructions to keep {$600.00} for compensation and send {$2600.00} to the companies equipment supplier. I deposited the check to my checking account with Wells Fargo on XX/XX/XXXX. They approved {$400.00} then they gave me the full amount on XX/XX/XXXX. On XX/XX/XXXX Wells Fargo over drafted the check and took back {$3200.00}. I had been scammed my the employer, therefore, the check was fake. Wells Fargo did nothing to protect me from the fake check. They gave me the full amount which I had then used because Wells Fargo placed it in my account, then over drafted {$3200.00} from my savings account.
Consumer complaint received 2022-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CIT BANK, NATIONAL ASSOCIATION (TX)

CIT Bank is money hungry! I was charged an insurance fee when I already had insurance on our machine. I submitted proof of insurance and yet they still have not refunded me as promised. 

I am DEMANDING A FULL REFUND as this should have not gotten to the point of me needing to file a complaint.
Consumer complaint received 2020-02-26
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. (FL)

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a write-off. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor must remove the current status to list it as paid in full. When I spoke to the creditor, they stated the bureaus must remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see attached bank statement showing I paid XXXX in full-page 3
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a write-off. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor must remove the current status to list it as paid in full. When I spoke to the creditor, they stated the bureaus must remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see attached bank statement showing I paid XXXX in full-page 3
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2020 I went to a dealership with an auto loan check from XXXX  XXXX. Once I got to the dealership they ran my credit when they were not give consent and I received multiple unauthorized inquiries for companies I never applied to. I called multiple times and always been told its nothing that they can do to help me out when I know thats incorrect. 

XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX  XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 I also have 2 XXXX  XXXX XXXX inquires on my report and 2 XXXX XXXX inquires on my report so thats 6 total inquires on my report that should be removed I received double inquires for one credit card. Please contact the credit bureaus and have them removed the unauthorized inquires.
Consumer complaint received 2020-02-26
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. (TN)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off account in the amount of {$13000.00} on the XXXX/XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. My now deceased husband took out this loan and signed this agreement on his own. I did not sign any documents with XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CT)

I received a withdrawal letter dated XX/XX/2019 from the law firm of XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX., XXXX, CT XXXX. tel # ( XXXX ) stating, action is withdrawn to all defendants i.e., XXXX XXXX ( myself ) w/out costs to any party regarding a reinstatement refinance that I inherited from my late father. I am the successor of interest to the property where I reside. The attorneys were paid over {$3000.00} by me included in the {$18000.00} reinstatement fee wired to Wells Fargo Bank on XX/XX/2019. After that date, I received a letter from XXXX employer, Wells Fargo stating their attorneys wanted {$1900.00} more. I called & emailed the XXXX firm 3xs asking what the fees were for. They will not and have not responded. I called & faxed Wells Fargo many times regarding the fees. Wells will not say what the fees are for. The attorney fees were initiated XX/XX/2019 after the wiring and withdrawal. Please, look into the over inflated attorney charges. I want XXXX to show me in writing what the charges are for & the dates when all these extra charges occurred. Wells Fargos contact is XXXX XXXX. XXXX # XXXX Ext. XXXX XXXX XXXX XXXX. 
XXXX XXXX, IA XXXX. Ms. XXXX will not respond to that question. XXXX law firms address is XXXX XXXX XXXX, XXXX, CT XXXX. Tel # XXXX.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MT)

XX/XX/XXXX transferred 2 test debits from citizens bank to another account in my name. Went through fine. 
XX/XX/XXXX transferred {$10000.00} from citizens bank to other account XXXX called citizens bank to Check on status of transfer. Was told it would take a few days XXXX called citizens bank to check on transfer. Was told money should already be in other bank account. 
XX/XX/XXXX - called citizens bank to check on transfer on 3-way call with new bank. No results/ told to wait more days as the transfer went through fine. 
XXXX has to borrow {$10000.00} from employer in order to complete home purchase, because I was unable to buy the home I saved for 15 years to buy due to citizens bank still holding my {$10000.00}. 
XXXX called citizens bank as still did not get transferred {$10000.00}. Was told it should be fine, and was processed. That The other bank is at fault. 
XXXX called citizens bank to find my {$10000.00} and got extremely angry, finally was transferred to someone who said the funds are on hold actually and the transfer was cancelled. Was told I should have my funds back by XX/XX/XXXX XXXX funds of {$10000.00} not returned to me, check to repay my employer bounces. Jeopardizing purchase of my home as well as my employment. 
Still Do not have my money back. This bank has jeopardized my entire life. If one person in the many times I called had given me any real information it would be a different story. 
Each call to this bank had over 20 minute hold time to speak with someone. 
I still dont have my money. 
My costs associated with this include bounced check fees for both me and my employer who loaned me the money, {$750.00} fee to my employer for the loan in the first place, not to mention incredible stress, Many hours of my time, jeopardizing my home purchase.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (TN)

My last financial transaction with Wells Fargo concerning an auto loan was in XX/XX/XXXX to pay a charge off of {$430.00}. On XX/XX/XXXX I received a notification from my credit monitoring service of a 20 point drop in my XXXX  score due to an update from WELLS FARGO DLR SVC/ WACH DLS. The account is now listed as bad debt placed for collection. I have requested an explanation from Wells Fargo but have not received any. This has caused me to delay a planned car purchase.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I went to a XXXX bank located in XXXX XXXX to open a XXXX Bank Account. I submitted all of my business information, I was also required to provide my personal information. After the Rep submitted my application I was informed that XXXX denied my request to open the XXXX Bank Account based on personal information on my Equifax XXXX report. That did not make any sense to me. 

I am not aware nor informed if it's a common business practice to run a customer 's personal consumer report for opening and establishing a business bank account. During the process at no point was it disclosed to me that my personal consumer report would be pulled ( soft/hard ) to determine if I qualified for a business bank account. 

I strongly feel that my consumer rights have been violated by misleading and deceptive actions taken by XXXX. I felt embarrassed and humiliated with the outcome. The consumer report pull was impermissible because I was provided any disclosure during the application process.
Consumer complaint received 2020-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a writeoff. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor has to remove the current status to list it as paid in full. When I spoke to the creditor they stated the bureaus have to remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see the attached bank statement showing a payment of XXXX paid in full. 

XXXX XXXX Account number : XXXX XXXX
Consumer complaint received 2022-01-13
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 AXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of XXXX XX/XX/2021 XXXX XXXX  NA Date of inquiry XX/XX/2021 XXXX XXXX XXXX  NA Date of inquiry XX/XX/2021
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Services Collections, Inc (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize as original owner is reflecting as XXXX XXXX XXXX which I have never been associated with. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report, is not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received and no updates were made to my credit report. I do not believe this account is valid and correct as it does not belong to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Consumer complaint received 2020-02-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Please see the attached screenshots of the email Capital One emailed me on XX/XX/XXXX. This email contains the full scoop on how to receive the {$500.00} bonus. 

As per the fine print, I fulfilled the one and only requirement : Within the specified time frame, I made deposits from my XXXX XXXX  account and the sum of these deposits was at least {$50000.00}. 

The full details of the offer mentioned in the email under " Here 's the full scoop on how to earn your {$500.00} bonus '' do not cite any restriction limits on withdrawals nor does it mention a requirement of maintaining a specified balance for any period of time. XX/XX/XXXX at XXXX I called Capital One. The representative told me I will not be receiving the {$500.00} bonus. 
On this call the reason this representative cited was that I did not fulfill the requirement of holding a balance of {$50000.00} for 90 days. I mentioned this email 's details and he said all Capital One offers have a requirement of holding a specified balance for 90 days. He is mistaken. This offer only has a requirement of deposits made over the promotion period must be at least {$50000.00}. There is no requirement of achieving a certain account balance or maintaining that account balance for a specified amount of time. I also have called Capital One about this incident before. I only recently found this proof of the offer as I state it by finding this email. That's why I made this call to Capital One on XX/XX/XXXX to see if this proof would get me the bonus. Capital One stood firm on the 90 day rule, which was not mentioned anywhere when I signed up.
Consumer complaint received 2020-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MI)

Have 4 loans open through Navient all for college everytime I try to get my payments lowered they would just delay my payments and keeps upping the interest on it when Ive called several times to ask to change it to income driven payments they just say to keep it on the payment delay. I am currently out of work due to having a baby and their interest rates keep racking up higher and higher and nothing is being done. And when I ask what repayment plan Im under they wont tell me and its not listed anywhere on my account with them.