davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Federal Student Loan Doc Prep LLC (NC)

I contacted XXXX  on XX/XX/XXXX to check in and inquire about the Income-Driven Repayment plan for my Federal Student Loans and if there were any changes due to Covid-19. During the call I was quickly encouraged to initiate a loan consolidation now before payments were required in XXXX. I was told my Income-Driven Repayment would be continued and Student Loan Forgiveness was discussed. I was required to pay {$390.00} to initiate the consolidation and would receive documents in 5-7 days that would require me to send back 2 paystubs, plus provide two references. The {$390.00} charged to my XXXX  account on XX/XX/XXXX. The agent stated that based on my income I could expect my payment to be $ XXXX beginning in XX/XX/XXXX. 

I received the document packet and instead of " XXXX '' on the folder and return address it was " Federal Student Loan Doc Prep ''. I assumed this was a third party that XXXX worked with, so completed and submitted. Then on XX/XX/XXXX I received a letter from XXXX XXXX XXXX  '' in regards to the Consolidation Loan Details. This letter mentions that the Income-Driven Repayment information was not received to determine if I qualified, and suggested I visit my account. I then tried logging into my XXXX account and my username was not correct. I attempted the XXXX XXXX website and the recovery email was not my email, but was similar. Everything was feeling unusual now about the entire process, so I decided to contact XXXX  by phone again on Monday XXXX today XXXX, XX/XX/XXXX. 

Today when I spoke with XXXX, I was informed that there are NO FEES to consolidate a Federal Student Loan. She said I must have been working with a third party, but I had only contacted XXXX. Somehow, Federal Student Loan Doc Prep had intercepted the incoming call that I made to XXXX I have contacted my bank and blocked Federal Student Loan Doc Prep from charging to my account again, and contacted XXXX XXXX to cancel the consolidation all together. Everytime XXXX attempt to call the Federal Student Loan Doc Prep number it goes to a voicemail. 

The XXXX agent today told me that my Income-Driven Repayment does not even need recertified until XX/XX/XXXX. The XXXX  agent reset my account and added an additional password security. I'm not sure if the {$390.00} will be refunded, but I did file a fraud claim with the bank. The part of this that is so unnerving is that thought I was speaking with XXXX -- so trying to figure out how a third party became involved is confusing. Plus the fact the company created a new XXXX account without my knowledge. I'm flustered with myself for not being more diligent in vetting!!
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On Thursday XX/XX/2022 I left work and stopped to get dinner at a restaurant in XXXX, TX. As I headed home I received notification that a charge was attempted at a XXXX  location XXXX $ XXXX frantically opened my XXXX  XXXX  and tried to disable transactions for my account to stop any further activity before I was able to another transaction was attempted and clearedXXXX XXXX from my account. I contacted customer support and explained what happened and let them know my account has been compromised and I needed to dispute the transaction on the account. I was told they could not start the dispute process until the transaction either settled or fell off so I waited. XXXX at XXXX am I called them again to dispute the unauthorized activity. I received a response about my dispute on Sunday XX/XX/2022 at XXXX and the email stated they are closing the dispute and they found that no error occurred. I called them again on Sunday XX/XX/2022 and spoke with a representative and asked for the documents used to determine why my claim was denied then spoke to the supervisor who said he would submit this new information to the investigation team and have them re-open the dispute. I received an email on Tuesday XX/XX/2022 XXXX stating they are closing the dispute and they found that no error occurred. I called again on Tuesday XX/XX/2022 at XXXX pm and requested the documents from investigation conducted. I also emailed them additional documentation during that call to re-open the dispute. I called the police department and filed a formal police report sent another email to Chime to submit the police report number. I received another email from chime on Wednesday XX/XX/2022 at XXXX am stating the email stated they are closing the dispute and they found that no error occurred. I contacted them again Wednesday XX/XX/2022 and requested to speak with a manager she has re-opened the claim and I am waiting for the them to investigate for a fourth time. please help.
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial XXXX  and defamation of character along with 60 plus days of no response.
Consumer complaint received 2022-11-07
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. (VA)

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED/XXXX  XXXX. DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records containing convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-10
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. (OK)

Under 16 CFR 433.1-Business Arrangement and Contract 15 USC 1684-XXXX Liability 15 USC 1692 ( b ) -Permissible purpose The Company disclosed my account information without my permission and/or consent ; there is no Contract andor Business Arrangement ; In turn, testifying false and misleading formation, which I did not give nor gave them any permission to report. Creating an adverse action affecting my credit file in a negative way. There is no Contract or Business Arrangement. I seek all damages and remedies applicable to this issue.
Consumer complaint received 2018-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

I received an annual escrow account statement indicating of yet another shortage on my escrow account with a shortage amount of {$7200.00}. This is not the first escrow shortage on my account in the span of two years of our stay in the property prior entering the loan. The first escrow shortage was caused by an error on Ditech 's side which they admitted wherein Ditech was paying a different parcel number/property with my escrow account that resulted to having my property put on tax lien and my escrow account into a negative ( for reference I have my initial CFPB complaint from last year Case number : XXXX ). Ditech settled it by disbursing a check to pay for the delinquent property taxes and taking my property off tax lien, I thought all is good after that but I was shocked when I saw a {$7200.00} shortage on my account again this year. Now my question is what happened to my starting escrow amount/buffer ( please see attached document ) after the initial error occurred? To figure out what happened I tried requesting for an escrow analysis from XXXX since my online account only shows an escrow analysis for XXXX and XXXX but the customer service agent ( XXXX ) resisted to provide, in which I don't understand because I started my loan back in XXXX. Please help cause this is causing so much stress on our family, I tried settling this with Ditech by phone in multiple occasions but none of those interactions was helpful in fact each of the customer service agents I have talked to was just adding confusion into the mix and leading me to believe that I have entered the loan with a negative balance on my escrow but can not provide proof, if there are other documents needed please let me know.
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

the former address in my XXXX credit report appears two times. the second time appears as multifamily.

Swapped addresses in my Equifax credit report. It shows my former address as my current one and vice versa.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

I have a loan with WELLS FARGO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WELLS FARGO with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (NY)

XXXX  XXXX failed to precise proof of contract or an application with my signature for service. 
They have my credit and use it from time to time it seems once a year Ive contacted each company thats using they service and they all fail to produce proof of this action and declined use of my ssn more then once in complete violation of fair credit reporting act 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) a consumer reporting agency can not Furnish A account without my written instructions.
Consumer complaint received 2021-05-03
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. (WA)

on XX/XX/21, I disputed a few items on my credit report. I sent in a letter disputing these items ( see attached ). In that letter, I stated that I do not consent to online delivery of my results. They notified me via email that the disputes are complete and I can access my results online. Clearly this is wrong since I stated that I do not connect to online delivery of my results. Upon reviewing the results, they state that the items were updated. They clearly have not been updated and have all of the exact same information in the previous reports.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, XXXX, and Equifax.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Two years ago I went through this same issues and got it resolved. I had to sue one of the credit reporting companies to get the to remove what was not mine. I have been out of the country for 18 months and I come back to not 1 but 2 bankruptcies on my credit report. I contacted the courts and they told me the same thing they did 18 months ago which was they DO NOT report bankruptcies to the credit reporting companies. I don't now why these 2 bankruptcies are on my report or who filed them but for the 2nd time I need them to remove it. The removed it before not there are 2 new ones.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-02-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Home Mortgage Affidavit Of Mailing on all of there notices sent out on XX/XX/2016 which was 7 notices by wells fargo home mortgage was never mailed to me at the right address at the time of notice nor were any delivered at the said address that was mailed out by wells fargo home mortgage. As I have uploaded proof from the post office was delivered to XXXX XXXX CA XXXX I never lived or had an address in XXXX XXXX CA XXXX as to why wells fargo Home Mortgage would send all the US Reg m, ail to an address that's not on file or not mine. Wells Fargo Home Mortgage violated my rights to receiving notice by sending all the notices to an XXXX XXXX CA address in which they mailed out to no reason why it was delivered to an XXXX XXXX Ca XXXX address with bad intent on there part on a serious situation that was at hand. There seems to be a lot of issues legally with the loan past and after of there practices of there mortgage loans and legally giving me notice by law. With wells fargo home mortgage its never the truth it all ways putting some paper to try to justify there self as if there a reputable bank in which we no is not. Wells fargo stay in the news for fraud or consumer fraud by them.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX Account # XXXX has violated my rights. 

XXXX CARD Account # XXXX Has violated my rights 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 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-12
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. (GA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

I ordered clothing in XXXX. The clothing showed as delivered but I did not receive it. I notified the company. I also notified the credit card agency that I never received my order. I was told first that I needed to fill out an affidavit, which I did. Then I was told I needed a police report, which I went and filed. I was given a credit for the items. I sent copies of both of these items to both companies ( XXXX XXXX XXXX and Commenity Bank. ) They then claimed the affidavit was not signed, which it was. They then charged my card again and added fees with no explanation or request for more information. I should not have to pay for something I never received
Consumer complaint received 2018-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

men 's warehouse charged me for items that i did not purchase causing my limit and rates to go up causing harm on my credit report cra violation tried to fix it with XXXX XXXX XXXX the worse customer service and i return the whole item manager refuse to take the return b/c they tore the suit so we let all the items thee and did not walk out of the store with any mens warehouse items