davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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 instruction.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter.
Consumer complaint received 2022-02-12
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 — Was not notified of investigation status or results
Company: DISCOVER BANK (NY)

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Consumer complaint received 2022-02-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TN)

Received a notice from company they they removed funds from a savings account and put it towards an account that is currently being disputed without my authorization. this is a clear violation of my rights as a consumer. This a clear stall tactic used to re age an account to extend the time allotted to remain on an already disputed consumer report.this comes off as fraud seeing as I did not authorize such activity on my account
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DE)

Talx corporation, a division of Equifax corporation is a Consumer Reporting Agency as defined by FCRA. Check of my employment records on XXXX/XXXX/2015 indicated that Name and DOB of my dependents are also showing up in my report ( Ref case number XXXX ). There is no purpose for these to be reported on my employment and creates a risk for ID theft. I submitted a request for it to be removed but that has not been agreed to.
Consumer complaint received 2022-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I was contacted to purchase goods that I was selling on XXXX. XXXX contacted me via email that he was interested & then sent a text from XXXX. He then contacted me from the number listed above telling me that he was sending a check for {$3000.00} to purchase the goods I was selling & pay to ship. I informed him when the check arrived & he asked me to deposit & wire the remainder of the money to the movers. I deposited into my Savings account & transferred what I charged for the goods, {$250.00}, & the rest needed to send the movers into my Checking account. I sent 3 Zelle transactions totaling {$2500.00}. The first transaction on XX/XX/2022 to XXXX XXXX for {$1000.00} & a 2nd transaction to XXXX XXXX of {$1000.00} on XX/XX/2022. After the final wire on XX/XX/2022 to an XXXX XXXX, I checked my Savings account & it was negative for {$3000.00}. I contacted XXXX & asked him about his bank, & he said there must be some mistake. I followed up with him after I left work that evening & his phone was disconnected.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

I have asked and begged Equifax to remove accounts no longer legal able to be on my credit file because they have not verified the information. Like XXXX XXXX did and So did XXXX I am for the Final time before I file a lawsuit asking them to remove 1.Student Loans XXXX that ca n't verified my XXXX and XXXX nor XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I file a lawsuitagainst themthey have 24 hours
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

In early XX/XX/XXXX I learned that there were questionable entries on my credit report after requesting a loan. At that time I requested my free annual credit report from all three bureaus by calling XXXX. In XX/XX/XXXX I received a report from XXXX, but not the others. On XX/XX/XXXX I again called the XXXX number to request my free annual credit report and did not receive them. On XX/XX/XXXX I called for the XXXX time requesting my free annual reports and as of today, XX/XX/XXXX I have not recieved a single free credit report.
Consumer complaint received 2022-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (CA)

I purchased a car in XXXX. Contract was extended XXXX and a payment was put at the end of the contract. i received a letter XX/XX/XXXX that contract time was up and balance on the car needed to be paid XX/XX/XXXX. I made double payments XX/XX/XXXX, XXXX and XX/XX/XXXX. My credit report shows effective XX/XX/XXXX 30 days late XX/XX/XXXX 60 days, XX/XX/XXXX, 90 days and XX/XX/XXXX 120 days late. I have completed payment of the car. We are in the middle of a pandemic. If I was making payments how were the payments late. These late charges pop up at the end of the contract. Also they have 8 missing payments. The car would have been repossessed. There were no missing payments. One of the late payments came when I ask them to do a payoff, it took weeks I called back and was told it was denied reason being because the agent did not add that I was willing to pay half of the balance, I was asked if I wanted to do it again I said no and made a payment at the at. All payments paid.
Consumer complaint received 2020-11-26
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. (AL)

I have reached out to XXXX on several occasions about a bankruptcy and collections on my report from XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ), & XXXX. I have sent them proof that I have reached out to the collection companies and they have yet been able to send any proof that this collection is mine, yet TransUnion still has it on my credit report. They also have not shown me or told me how they have verified the bankruptcy as mine.Also, the other credit bureaus have deleted these as they were unable to verify some of these.
Consumer complaint received 2016-02-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZIONS BANCORPORATION (CO)

I closed my account at Nevada State Bank in XXXX XXXX because I moved out of state. For some reason my bill pay was active and a payment was made from my bill pay in XXXX XXXX to XXXX XXXX for {$120.00} in which I no longer have their service. XXXX, XXXX core processor sent the payment to XXXX XXXX with no funds in the account because it was closed. XXXX has sent me XXXX letters in which I called them and explained the account was closed and they should not have issued the payment and they should get the funds back as I did not request the payment to be made. I received another letter XXXX/XXXX/XXXX from XXXX threatening to send me to collections if I do n't pay the debit by XXXX/XXXX/XXXX. XXXX should not have issued a payment with no funds in account they should have stopped it and I do not feel I should pay. If I have to assist with the return of the funds my time is valuable and they made the mistake. They said their system is set up to pay items even though no funds are in an account. They need a new system and that is their risk!
Consumer complaint received 2016-10-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank charged me XXXX {$35.00} Non Sufficient Funds fee 's and XXXX {$35.00} Over Draft Fee 's for Non Authorized Debits. I disputed the Non Authorized Debits and they still took {$150.00} out of another Wells Fargo Checking Account of mine without my consent.
Consumer complaint received 2016-03-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

JP MORGAN CHASE CHECKING ACCOUNT XXXX XXXX OVERDRAFTS WITHOUT PERMISSION FROM XXXX XXXX. STOP CHASE FROM OVERDRAWING THIS CHECKING ACCOUNT. STOP CHASE FROM CHARGING OVERDRAFT FEES. ASK CHASE TO PLEASE REVERSE THE OVERDRAFT FEES. SEE ATTACHMENT.
Consumer complaint received 2015-05-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Management Outsourcing, Inc. (FL)

In XX/XX/XXXX I had a surgical procedure. Prior to the procedure I was told to pay ( I do n't remember the exact amount ) about {$600.00} upfront to cover charges that my health insurance company did not cover. At that time, I asked the hospital if this was their final bill or would there be any further bills after the procedure. I was told NO, no further bills would be forthcoming. A month later I got a bill for {$220.00} and have been disputing it ever since based on what they had told me prior to the procedure. Yesterday, XX/XX/XXXX, I contacted Nationwide Recovery Services - XXXX - and told them I would pay this disputed amount if they would confirm to me, in writing, that they would remove this derogatory information WHEN they receive my payment. The person I spoke with ( XXXX XXXX ) informed me that they were unwilling to provide any such assurances to me. So, I 'm between a rock and a hard place. I 'm willing to pay a bill that I do n't owe but the collection agency will not confirm that it will be removed from my record WHEN they receive my payment. This is simply outrageous.
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (CA)

Diversified Adjustment Service , Inc . 
XXXX ( XXXX ) Debt collection agency in XXXX XXXX, MinnesotaClosed THIS COMPANY KEEPS CALLING MY CELL PHONE..I HAVE BLOCKED THEIR PHONE NUMBER AND ADDITIONAL PHONE CALL MADE FROM THIS COMPANY WERE SPAM CALLS. THEY ARE CALLING USING TEXAS AREA CODES..
Consumer complaint received 2016-10-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: WELLS FARGO & COMPANY (MD)

My name was falsely signed to obtain loans at Wells Fargo for my sons student loans. I was harassed by WF about paying them. the loans defaulted. as a settlement I paid off the loans ( since they were for my sons education. I refused to pay all of the late fees and interest WF said I owed. I have asked WF to show me my signature that shows that I signed for the loans. they have never been able to produce any signed document after the first semester which I did sign. WF wanted me to fill out a criminal complaint against my son which I refused. I asked them If I did fill out a complaint would I get my {$40000.00} back that I did pay. they would not commit to that.to this day my credit is still in shambles due to the fact WF will not release my Loan debts ( which I never signed for and have paid ) because they say that they defaulted
Consumer complaint received 2017-02-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (CA)

I am trying to figure out from Wells Fargo Bank whether or not I opened my credit card or if it was opened illegitametly through their sales team. The associate I spoke to in Customer care stated that it was opened through a third party website but would not provide me with the electronic signature or the carholder agreement. This is a violation of the Telecommunications act of 1996.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX two payments of {$2000.00} with the same ID were made from my XXXX to my BoA credit card making it have a negative balance of around {$2000.00}. 

XX/XX/XXXX I called to request that the second payment get reversed. I was informed that it happened due to me manually scheduling a payment and auto pay paying. I was informed that I would have the payment reversed in 2-3 business days. 

XX/XX/XXXX I called in asking for an update and I was informed that the previous rep was wrong and that it can take up to 10 business days. Either this call or the previous one they got my XXXX account information. I believe that this day they also told me that the previous rep had initiated the wrong type of transfer. He did a balance payout rather than a payment reversal. I said that I didn't care I just needed either one ASAP. I was assured that I would have the money back in my account in a MAXIMUM of 10 business days from when I originally requested it ( XX/XX/XXXX ). 

XX/XX/XXXX I called asking for an update as I have not received any money yet. I was told that they sent a cheque on XX/XX/XXXX instead of refunding my money electronically and that I would have to wait up to 14 business days from then to get my refund. I can not wait almost a month from when I alerted them the day after the payment was mistakenly made and requested the payment reversed.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my report. To this day over 60 days later. I have not received a response yet. 
I have written several letters concerning the negative accounts on my report. I never owned any of the accounts listed below. I filed a complaint on XX/XX/2021 with CFBP, still nothing was done to fox the issue. I also filed an Identity Theft report on XX/XX/2021. My report number is XXXX. I sent in all documents along with my police report several times. I sent in proof of my Identity, notarized all my mail. Please delete the account immediately. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and many have got into the hands of the wrong person.
Consumer complaint received 2016-05-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WELLS FARGO & COMPANY (AL)

Repeated harrassing phone calls from this number XXXX Asking how to locate XXXX XXXX. These same harassing calls were also spread to my family and friends. They were actually for my deceased wife. This company continues to harass myself and family over a debt that was discharged due to death. Here estate is closed a matter of public record. 
After contacting a member of their customer service department she accused me of lying about this. This company is beyond irritating!
Consumer complaint received 2016-05-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (KY)

Beware they do not back the ones that get you the loan. I was told to expect a letter 1 mo prior when loan interest would be charge. I never got that letter just a XXXX charge on bill. Was told we do not send letter but it was on statement prior to this XXXX. Well I did not look for it because I was expecting that letter. They said to bad we do not care how they get us the loan we had date on bill. They would not even consider it was wrong to be told XXXX thing. Not our problem. Not good ethics at all to not care that who gives you the loan might be deceiving people. They would not even let me talk to upper management they just said they do not deal with customers. Bad bad business ethics. Do not get a loan from these loan sharks. Beware beware
Consumer complaint received 2015-10-02
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Brightfunders, LLC (NC)

Homeside Financial LLC called husband on XX/XX/XXXX concerning a re-fi.. they talked and I specifically heard my husband telling them he did n't want a Hard credit pull on credit reports. 
I did n't talk to them at all and yet awoke this morning to an XXXX alert of a new inquiry that I never consented to, info from report is as follows : XXXX Address : XXXX MD XXXX ( XXXX ) XXXX : Real Estate on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX
Consumer complaint received 2022-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VA)

I applied for the Public Service Loan Forgiveness Program Temporary Waiver in XX/XX/XXXX. My employment was verified and my loans were transferred to FedLoanServicing. My Direct Consolidation loan was issued in XX/XX/XXXX, and was transferred at least once prior to this last transfer. When FedLoanServicing calculated the qualifying payment for the program they excluded 19 payments from consideration, neither marking them as qualified or not, leaving me 11 qualifying payments short of the 120 required payments on the Subsidized portion of the loan. They also deemed over 100 payments as not qualifying on the unsubsidized portion of the loan, for what appears to be a deviation from the temporary waiver rules as all payments should be qualifying ( the deemed 30 out of 129 payments as qualifying ). It appears there were multiple errors made in assessing the number of qualifying payments I made between XXXX and today, possibly because of the multiple times my loans have been transferred. I request someone review the records and help fix my file
Consumer complaint received 2020-11-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$43000.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$43000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$0.00} -This is not my account.