davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is so unethical! I had VA home loan through them. I sold my house for EXACTLY what was owed on my loan. Fast forward 4 years later I apply for a new VA home loan and find out after I closed Wells Fargo billed the VA for XXXX. I asked what it was for and they have no information. They basically say when banks bill them they just pay it. I call Wells Fargo and they cant give me a breakdown. Just say fees. They are fraudulently billing the VA and getting money! Most unethical company I have ever seen. I can only imagine what they do to people that bank there.
Consumer complaint received 2022-01-06
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. (PA)

XX/XX/2021 They are listing a bankruptcy on my report when I asked the method of verification to list that they stated the courts. I contacted the bankruptcy court they replied they do not provide bankruptcy information to credit bureaus. Ive asked for the documentation showing the verification and they have produced no such thing. Ive recently provided them with a copy of the courts letter stating they do not provide credit bureaus with such information. They still said it was verified.
Consumer complaint received 2020-08-20
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: SELECT PORTFOLIO SERVICING, INC. (AZ)

There is an account that appeared while doing a credit check that was incorrect. This account has never been requested by me. It is a second mortgage debt through a company by the name of Select Portfolio Servicing. The account is said to have been opened in XXXX of XXXX   The loan was for {$100000.00} but there is a balance of {$55000.00}. We have never made a payment to this company and we have never been contacted by this company regarding payments or collections. We were not aware that this was on our credit report until we tried applying for a different loan with XXXX XXXX XXXX  recently. We did contact Select Portfolio Servicing directly and we were informed that they could not find that account in their system and they also could not match another account to my name, which is correct as we've never dealt with them before.
Consumer complaint received 2019-06-01
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. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has flagged me as a deliquent payer for supposedly an unpaid debt of {$1.00}, XXXX with XXXX XXXX XXXX. This case was filed XX/XX/2000. No one from XXXX XXXX XXXX  has ever contacted me about this debt. I never had an account with XXXX XXXX XXXX in my lifetime. I have reported awhile back to all 3 credit reporting agencies that I suspected that my identity was stolen. I've contacted Experian about this to contest this report that has a negative impact on my credit rating.This report is fraudulent and is hurting my credit rating. My credit score used to be above 800 before all this identity theft has happened. I have excellent payment history and is being ruined by scams like this. I need help this correct this
Consumer complaint received 2019-06-01
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. (FL)

Due to a decrease in my income i fell behind in paying most of my bills, one of them was my credit card with XXXX XXXX XXXX. They eventually closed my account and sold it to XXXX XXXX XXXX, XXXX without my knowledge/permission. The owed amount was {$1300.00}. I agreed to pay XXXX on a monthly basis to cover my debt. I made the last payment to cover the full owed amount on XX/XX/XXXX ( see attached screenshot that amount was debited from my account on XX/XX/XXXX for  {$220.00} ). I have since then tried to have this derogatory item removed from all 3 of my credit reports but only recently discovered that the payment status is inaccurate on all 3 reports as seen on Experian, com ( paid service to view all 3 credit score/reports ). I confirmed with XXXX up to today XX/XX/XXXX that they received the final payment on XX/XX/XXXX to cover the full owed amount. I am concerned that the report is showing that i 'Failed To Pay or FP ' in XX/XX/XXXX ( see attached screenshot ). This is inaccurate information that is negatively impacting my score and as such hindering my opportunities to access favorable interest rates on a mortgage.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I called Chase Bank to dispute a transaction from my checking account. The transaction was a XXXX payment to an alleged small business for the amount of {$790.00} in exchange for a custom good that I never received. The transaction was posted to my Chase checking account on XX/XX/XXXX. 

The first Chase representative I spoke with apologized for my problem and said there was nothing to worry about and that Chase would immediately start a claim to recover my money. To do so, the representative stated that he would have to transfer me to another department. 

Once my call was transferred, the second representative was incompetent, rude, and confusing. She initially stated what the first representative had stated, that she was sorry for my problem and that there was " nothing to worry about - Chase would immediately start a claim to recover [ my money ]. '' Then, I sat on the phone waiting for her next response for about XXXX minutes without information about what she was doing/that I was on hold. Suddenly, she started to speak very fast and I could not understand her. I asked her multiple times to repeat the information. Finally, the representative stated that a claim had been started but that it was unlikely that I would recover my funds since I " should have known who [ I was ] sending the money to. '' I tried to explain the situation again and she talked over me repeatedly, not allowing me to finish my sentence or respond to her statement. Finally, after I asked her to please allow me to speak, she became very short in her responses to me, and essentially ignored my question/concern about the contradictory information she had just given me. Frustrated, I asked to speak to someone else. She ignored my request, told me to have a nice day, and hung up the phone. 

I am filing this complaint because Chase refuses to recover my {$790.00}. Further, in XX/XX/XXXX, the Consumer Financial Protection Bureau issued guidance to clarify that fraudulent person-to-person transactions are in fact considered unauthorized because they were initiated by someone other than the consumer and the consumer received no benefit. 

The CFPB also stated that banks can not consider consumer negligence as a factor or claim that consumers waived their protections in their bank account agreement. 

Thus, I urge Chase Bank to review my claim along with this complaint and to credit my funds back to my checking account immediately.
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called XXXX and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.
Consumer complaint received 2022-09-13
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. (GA)

Due to this item being on my report it is causing me to lose out on career opportunities as well as being a better credit profile. Under the 15 U.S.C 1681 section 602A. 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. Please Update the following accts as the balance are wrong. Some of these have not been updated since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX XXXX XXXX. These balances being incorrect is causing my debt to ratio to be off balance which is causing credit score to be lower than it should be.
Consumer complaint received 2019-06-01
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: Experian Information Solutions Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IN)

On XX/XX/2019, I was notified that FHA wouldnt finance a mortgage loan if the dispute was more than {$1000.00}, rather than continue to dispute the student loan, I paid it off with my debit bank card ( XXXX, which comes directly from my banking account. ) I informed the XXXX XXXX XXXX customer service rep, I need a formal letter stating the loan was paid in full for the underwriting department for my mortgage company to compete my loan process. 
I contacted XXXX XXXX XXXX on Wednesday, XX/XX/2019, and spoke with customer service rep XXXX, and she explained that I could not get a formal letter for 30 days because of the auditing process. I explained to her that would not work since I am trying to finance a loan for a townhouse. I asked to speak to a supervisor, and she gave me to a team leader, name XXXX. XXXX said, I can send an informal letter but I still needed to wait 30 days. I explained to XXXX according to the website I paid was reported, and do not understand why I can not received a paid in full letter. 
XXXX sent the informal letter, and I forwarded it to my mortgage, and the underwriting dept. refused the informal letter by 2 reasons : 1. the loan number on the letter did not match the loan number on the credit report, 2. the letter was not proof, that the student loan was paid in full. 
I again contacted XXXX XXXX XXXX customer service dept., and share with them the statement that my loan was paid via my bank statement. Again, the response was, we do not issue formal letter before 30 days. '' I have reviewed XXXX XXXX XXXX website 's FAQ, and there is nothing stating if the loan is paid in full, you must wait 30 days for an audit. Today, I spoke with another XXXX XXXX XXXX customer service rep, and was told that a manager would reach out to me on Monday, XX/XX/2019.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2018-02-26
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. (NJ)

I have 8 loans in 1 account. Two of the accounts are report as " collection ''. After calling XXXX they said the accounts are not in collection, and that they do not send accounts to collection. They would not change the status until I made the account current. 

From a consumer perspective, I make 1 monthly payment, into 1 account. It looks and feels like 1 account. When the account falls delinquent, they report all 8 accounts to the credit bureaus as delinquent. Every loan in the account has different payment structures and the way the payments are applied are very confusing to the consumer. I called into XXXX for an explanation and frankly it is not remotely similar to any experience consumers have with other creditors. It unfairly reports these delinquencies as multiple delinquent accounts causing severe damage to a consumer 's report. I believe this puts the consumer at a disadvantage.

The account manager ( I have the name ) admitted to me that the accounts are very difficult to understand unless you do it every day. He also said the DOE 's billing and payment methods are very different than that of other creditors. I work in financial services, and that just sounds very suspicious, and misleading to consumers. Please feel free to reach out for specific detail and examples.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MT)

My FICO 8 TU score went UP 2 pts to XXXX this month. Discover is saying they reviewed my account and need to reduce my credit limit from {$1600.00} to {$700.00}. I called in. They ASSURED me it was just a computer glitch. Then, mothers day dinner DECLINED. I called again. Yeah we are reducing your credit line. My account has steadily gone from a {$300.00} card to {$1600.00}. My credit is better than at any time so far. This is blatant credit discrimination. I am an XXXX  veteran, a protected class for discrimination lawsuits. I asked about COVID19 and why they are HURTING AMERICANS. I then told them I needed my credit line back so my kids dont go hungry tonight. While saying they dont want anyone to go hungry, they refused to undo their discrimination. I have never missed a payment. I have improved my credit. This is blatant risk exposure reduction at the expense of consumers. They are all doing this. HELP, CFPB!! HELP
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SLM CORPORATION (OH)

XX/XX/XXXX XXXX XXXX approved a fraudulent student loan # XXXX loan type XSPP for {$4500.00}. They said they may have used electronic signatures without my presence. This is not a practice of due diligence. I was notified of default whoch took until XX/XX/XXXX to resolve with help from XXXX paid by taxpayer dollars as was report filed by local police paid by taxpayer dollars and caused XXXX and XXXX XXXX to me as a victim of avoidable fraud. XXXX XXXX is guilty of a practice that harms many types of consumers as a private institution. Many think it is a governmental entity unfortunately. I was forced to freeze my credit which hampers activity as simple as utility billing.
Consumer complaint received 2018-06-27
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. (NC)

I have written to Transunion on several occasions requesting verifiable proof and original documents of my authenticated signature, having also provided them with federal fraud affidavits and proof of on-going theft regarding my identity. The item in question is the result of a merger of a former spouse 's credit report with my own. I am not the owner or co-borrower on her home. The account # is XXXXxxxx ( XXXX XXXX XXXX ).  XXXX and XXXX have promptly removed the item and were required to share this information with Transunion ( violation of FCRA XXXX Section D ). Transunion removed the item on XX/XX/XXXX and re-reported it on XX/XX/XXXX in violation of FCRA XXXX. I have written to them XXXX times requesting the " verifiable proof '' that they claim to have utilized, knowing that even XXXX XXXX XXXX does not possess a document with my authentic signature. They have not provided me with any of the documents that I've requested, a violation of FCRA XXXX. I wrote to them again on XX/XX/XXXX and they obviously employed the use of E-Oscar to verify the debt by sending a response on XX/XX/XXXX. They are not taking this matter serious, having continuously and egregiously violated FCRA XXXX, XXXX and XXXX. I began writing to them on XX/XX/2018 in hopes of having this resolved. I am now prepared to file suit and will be writing to notify them of such if there is no resolution within 15 days.
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This concerns my Experian Credit report. I have an item on it " XXXX XXXX '', which I paid off over a month ago. I have the written notice so stating from XXXX XXXX. Experian refuses to update my credit report and shows that I still owe on this loan. I sent them two dispute notices and downloaded the paid in full notice from XXXX XXXX. They persist in refusing to update my account. 

Why?