davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NM)

This is a follow-up to my original complaint filed through CFPB, which was answered by the Bank. I have included detailed descriptions in this submission. This complaint refers to Wells Fargo and their BSA in-compliance, resulting in a loss to myself, and my business. See the attached submission
Consumer complaint received 2020-07-17
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 am still in preparations in purchasing a home, I have been monitoring my credit report thru privacyguard and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXX XXXX  | XX/XX/2019, XXXX  | XX/XX/2019, XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX  XXXX XXXX XXXX  | XX/XX/2019, XXXX  XXXX XXXX XXXX  | XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX  XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.
Consumer complaint received 2020-07-17
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)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc. (MA)

I was contacted by the collection agency via mailed letter. The letter did not include the validation of debt notice and it also threatened litigation. This letter was received over a year ago. I responded in writing to inform the agency that they had not provided me with an opportunity to dispute. I also disputed the debt in my letter telling them that when I moved into the apartment the carpeting was soiled with pet stains. I have proof of the communication with the landlord from when I moved in when I notified them of the soiled carpet. I received no response from the collection agency. This collection item is listed on my credit bureau report. I had several conversations and provided numerous emails to the property management company detailing why I should not have to pay for carpet that was not new and already soiled and damaged when I moved in. I have the original emails going back to the time when I moved into the apartment proving my claim. I lived there for two years and encountered several other problems including A cockroach infestation overflowing from a neighboring apartment and regular instances of people smoking in the non-smoking building. I paid a nonrefundable pet deposit and always paid my rent early or on time. I had also paid to have the apartment professionally cleaned through the recommendation of the landlords stress free plan upon moving out. Social media is rife with these types of complaints about this particular property and property management company.
Consumer complaint received 2018-02-25
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)

The below information was also sent directly to XXXX XXXX on XX/XX/ XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. -- -- -- -- -- On Monday, XX/XX/XX/XX/XXXX, I was informed about an offer to add authorized users to my Platinum card. I was informed by several agents both with Platinum Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry. After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. I am requesting that this hard inquiry be removed from my Experian account. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.
Consumer complaint received 2020-10-19
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. (NY)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-02-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (TX)

I have filed for Chapter XXXX bankruptcy and I need to pay on my student loans during the course of my bankruptcy outside of the trustee payments. I do not have access to my account to make the payments. The financial institutions have removed my access and ability to pay on my loans without having to call and wait on hold while my phone call is escalated to another person to schedule a loan payment. 
This practice does not allow me to make payments available to other borrowers and adds unnecessary obstacles for me to make my payments. I need to take time off of work to call during business hours. High interest is building on my loans as I am under bankruptcy protection, so these barriers are very detrimental to me.
Consumer complaint received 2018-02-25
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. (MD)

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2018-02-25
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. (MD)

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-07
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: Source Receivables Management LLC (NC)

Source Receivables management has been reporting an account that does not belong to me. I have asked several times for valid documentation that this account belongs to me. I have only had phone service through my business with XXXX XXXX XXXX  and now currently XXXX. This account was not opened by me and does not belong to me. The documentation the debt collector is using to collect on the debt is only a statement and an equipment agreement with my name or someone with a similar name typed onto it. There is no hard copy ID, copy of social or even a signature that shows this account was legally opened by the person to whom identity was used. I have filed a fraud report on this information attached. FTC report # XXXX
Consumer complaint received 2020-07-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Preferred Collection and Management, Inc. (FL)

Im being balanced billed. And they are in violation of Florida Statute 641.3154 ( 1 ). 

This collection agency is continuing to report erroneous information on my credit report. XXXX ( insurance company ) this debt collector multiple times and advised them that is was illegal to place damaging information on my credit report. The collection agency reps were advised that medical providers have strict limit from the date of service until they stop accepting claims for that service. This provider failed to timely submit the claim despite having all the required information to do so. The collection rep stated during the call that the collection would be removed from my report -However that has not happened as required. 

Please see attached
Consumer complaint received 2020-10-14
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PRESTIGE FINANCIAL SERVICES INC (ID)

On XX/XX/XXXX, I was notified that my wages are going to be garnished by the XXXX County Sheriff for a debt that is not mine, and for which, documentation submitted to the company on the court date in XXXX shows that the reported debt is not mine. 
Prestige Financial Services , Inc, made threats and were aggressive with their collection practices even after proof had been submitted that the debt was not mine. The owner or representative reported they were going to sue and did not give a XXXX what papers I had, because he was going to get his money. 
This is for a debt on a XXXX that was obtained prior to my XXXX in XXXX. In our XXXX decree, which was signed by XXXX XXXX on XX/XX/XXXX, Page 7 states, The wife is ordered to pay the following debts as or before they become due and hold the husband harmless for any further liability concerning these debts : Prestige Financial, XXXX XXXX. 
My ex-wife filed for bankruptcy after our divorce and the debt was discharged in her bankruptcy. On XX/XX/XXXX, the case was renewed and Prestige has again stated I am responsible for the {$15000.00} debt which includes fees and interest, despite their lawyer receiving the proof in court, that I am not responsible. I have now been served with an order for garnishment and my paycheck is being garnished approximately {$500.00} per month.
Consumer complaint received 2018-02-25
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. (NY)

XXXX XXXX Has been reporting a late payment on my XXXX and Experian credit reports dated XX/XX/XXXX. They are not reporting late on Equifax. I never paid this account late, I tried contacting them on over XX/XX/XXXX occasions by mail, both regular mail and certified, and by phone. They never responded to me by mail with anything at all. By phone they told me that they can not help me and that I must contact them by mail which I did many times with no responses. When I disputed with credit bureaus they do nothing but verify the late payment with no justification. I know for a fact that I never paid this account late because I was paying with autopay and checking it monthly. They are negatively affecting my credit which is preventing me from acquiring business loans and certain balance transfer cards that I need to save money on interest for my other cards.
Consumer complaint received 2018-02-25
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MA)

During the years XX/XX/XXXX-XXXX I applied for and received student loans served by XXXX XXXX and later turned over to XXXX and still later to Navient in the amount of {$5700.00} ( total ) in order to take classes at our local XXXX college while navigating single motherhood and working part-time. I made regular, scheduled payments on these loans as required until XX/XX/XXXX. 

In XX/XX/XXXX I registered for XXXX XXXX XXXX based on their advertised program accreditation and their claims to a high percentage of graduates placed in well-paying jobs. I took a student loan in XX/XX/XXXX for {$10000.00} for tuition at XXXX XXXX XXXX The loans were processed with a series of payments and adjustments which were confusing and impenetrable. On XX/XX/XXXX there was a disbursement of {$10000.00}, followed 8 days later by a payment of {$4500.00} ; on the same day there was a disbursement of {$13000.00}, and an adjustment of {$7800.00}. As of XX/XX/XXXX the total amount with interest that I owe is {$24000.00}. 

I continued to work toward a degree through the XXXX XXXX XXXX, make loan payments, work full-time, and raise a child on my own until XX/XX/XXXX XX/XX/XXXX when I lost my job as the XXXX XXXX  XXXXXXXX at a local non-profit. During this time Navient took over the processing of my loan, and I began to receive threatening documents from Navient saying they would garnish my wages and seize my bank account, but that I could easily cancel these draconian actions by deferring payments. Over the course of the next few years, whenever the deferment period was ending, I would receive emails from Navient stating that to continue to defer the loan, I could just click reply and type the work YES. There were never any suggestions of loan modifications or alternate ways to pay down/off my loan. 

During the recession that followed, I continued to struggle for employment and under the debt load which had fallen on me during this time, so I continued to accept the periodic easy deferments offered by Navient. I was forced to declare bankruptcy in early XX/XX/XXXX. I originally sought to declare bankruptcy in XX/XX/XXXX, but it took me many years to save enough money to cover the lawyer and filing fees. 

Almost fifteen years on, I have no degree from the fraudulent XXXX XXXX XXXX and a student loan load of some {$25000.00} - despite years of payments - weighted with the accumulated capitalized interest of a decade of deferment. 

Navient clearly failed to inform me of all of the options at my disposal to discharge my debt. Without a XXXX degree, it has become almost impossible to finding meaningful work that pays well enough to live on, especially as single parent. The sneaky and deceitful tacits employed by Navient to line their pockets by strong-arming me into multiple deferments without all the fact has essentially financially hobbled me and my family. I respectfully request that this loan be forgiven.
Consumer complaint received 2021-02-20
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. (TN)

Transunion has violated my rights serval different times and ways. I am a victim of identity theft. I have sent in and reported serval times to Transunion and have asked for them to validate the date with proper proof of debt and they have totally disregarded. 
I have used the 605b of the FCRA to report identity theft with police reports and ftc reports and the do not honor and when they did block and remove they further violated FCRA 611 ( a ) ( 5 ) ( B ) by placing back on my credit file without giving me notice in the 5 business days allowed by the fcra the accounts are XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-03-01
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. (VA)

I had a XXXX credit card issued in end XX/XX/XXXX and by XX/XX/XXXX, I called in and I paid the balance of {$410.00} ( shown in my XXXX XXXX XXXX  checking account attached on XX/XX/XXXX when the money was charged from my bank account ). 
Also, in the same day I called in, I closed my account XX/XX/XXXX. 
If you noticed from the attached credit bureau 's credit report it shows that the account has been " CHARGED OFF '' STARTING '' starting from XX/XX/XXXX till XX/XX/XXXX!!!! 
I made several dispute through the 3 main credit bureaus ( XXXX Transunion, XXXX  XXXX and the first disputes for each, ended that what is mentioned in the report is correct and that XXXX notified them that the info they provided is correct under oath!!! 
However, Transunion, came back and say there was an error in the reporting, but still there was " DISCHARGE '' for tow month after I PAID OFF my account in full and closed it myself.!!!!!! pls tell me how his works to discharge something that doesn't not exists!!! 
Then I called the XX/XX/XXXX themselves, and they promise to fix the problem with the 3 credit bureaus, but instead I received an email form them ( attached ) stating that the problem is not from their side, it is the 3 credit bureaus, they are the ones entering or interpretation wrong!!! 
So I replied to theXX/XX/XXXX email ( attached ). 
after I called XXXX again and make another dispute and the guy answered, he said he don't understand what is going on but I have to wait till the dispute is over, which yesterday I received a notification form XXXX stating that the reporting is correct and will stay on my report!!!! 
You have all the proves that what I am saying is correct ( attached ) and even the credit card company is not disputing these facts at all XXXX that it has been paid in full and that I myself closed the account and the account was never been discharged. 
Please note that all this happen in late XXXX and beginning of XXXX ( ended XX/XX/XXXX ). 
Kindly, I need your help and assistant in solving this matter especially and as you can see in my other open CC account, I am paying my payments on time " exceptional '' as the credit bureaus stated in their report and this paid in full and closed in time, XXXX cc, is the only cc showing " delinquent ''.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

On XX/XX/21 I requested a new debit card after attempted fraud transactions on my old debit card. On XX/XX/21 I contacted the bank and advised I still had not received my debit card and needed access to the funds in my account. I was told I could not access new funds and that I could request a new expedited card for a {$15.00} fee. It's unfair to deny access to funds and then charge a fee to expedite their own process I lost my job because I couldn't access funds I needed to get to and from work
Consumer complaint received 2021-07-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Commercial Services, Inc (CA)

I have never received a call or letter today from XXXX XXXX until today ( XX/XX/2021 ) letting me know that I am in debt with them in the amount of {$26000.00}. I have owned a car years ago but never had insurance on it. Never have I had an accident with anyone involving XXXX XXXX. This letter is demanding for me to make a payment within 30 days that the letter has been sent or they will collect money including bank levies, my paychecks or any personal property that I may own.
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (NC)

I am here to inform you that I have no debt obligations with you all and you are in violations with 15 USC 1692 c-i, FDCPA, and TCPA. I am attaching documents to this email support my claims.
Consumer complaint received 2018-06-21
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX a letter I sent to Wells Fargo requesting validation of an alleged account in my name was signed for via certified mail. It is required by federal law that a notice of dispute is to be placed on any account within 30 days of a dispute in which Wells Fargo failed to do. I have retained a copy of signature and date of receipt as well as a time-stamped copy of my credit reports, showing that Wells Fargo has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. A follow up letter was sent and was signed for on XX/XX/XXXX stating that FCRA rule had been broken and a deletion of the trade line was required. In addition to this Wells Fargo has not been able to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.