davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (GA)

Thank you for the opportunity to explain the late payments and issues on my credit report. 

In XX/XX/XXXX, after a lot of hardwork I was blessed to be able to purchase a home in XXXX XXXX, GA for my daughter. 

From the time of purchase up to the beginning of COVID my daughter either paid her mortgage to me ( usually by transferring from her NFCU account to mine or by XXXX ). I would then pay the mortgage via XXXX XXXX. Within a month of COVID ; however, my daughter lost her job. After using the few months pay shed saved, the mortgage became my responsibility. Not just because the loan is in my name, but because as her Mom it was my responsibility. 

Then, not to get too personal, in the midst of COVID ( XXXX ) and her job loss, I found out my then husband was having an affair with an XXXX driver after only 5 months of marriage ( cant make this up ) AND hed lost his job, leaving the mortgage on the home I shared with him as my responsibility, as well as, all household expenses for both houses. 

So at this point, Im paying two mortgages, two car notes, utilities in two houses and credit cards for each of us on top of dealing with what ended up being the beginning of the end of my marriage. 

I eventually separated from my husband in XX/XX/XXXX. My divorce was final in XX/XX/XXXX. 
Prior to my life turning upside down ( XXXX ) Id accepted a position below my previous level of pay to reduce the stress in my life but, after trying to carry two households on that salary through XXXX and part of XXXX ( where most of the late payments occurred ) I was forced to take on multiple full-time jobs to support my family. 

I am quite aware that the late payments are horribly reflection of creditworthiness, but I do want to point out that throughout all of the above episodes, I may have paid late many, many times, but my family remained in our homes, our cars were not repossessed, our utilities stayed on and there are no charge offs on either of our credit. I did this after speaking with all of my creditors, explaining the issue to them and letting them know I would try my best to keep paying all my bills. 

ON TOP of all that XXXX XXXX XXXX XXXX and the XXXX XXXX Police notified me in XX/XX/XXXX that someone had come into the XXXX VA branch with fake id 's and my lost debit card attempting to withdraw money from my bank account. I live in GA. I have been working with the police in both GA and VA to try to get a small mountain of identity theft items resolved that I was not even aware of until they contacted me! 

I have emailed each of them asking that they honor their word and remove late payments under the CARES Act to no avail. I need the help of CFPB. I am exhausted at this point. Had I know I'd get treated just like someone who didn't pay at all, I wouldn't have killed myself trying to not let anything fall behind.
Consumer complaint received 2022-02-04
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)

I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all 3 bureaus about this mistake.

Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.
Consumer complaint received 2015-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (IL)

I have a Wells-Fargo student loan. I have never missed a payment, and I pay more than the minimum amount due. I attempted to consolidate the loan to get a lower interest rate and was told that I could n't because I have a cosigner whose income was not sufficient. My father is retired and his profit sharing/Social Security does not count as income. When I attempted to remove my father as a cosigner, I was told that, despite the fact that I have never missed a payment and pay more than the required amount, I could not remove him because I have too much debt in relation to my income. The debt that puts me over is most likely Wells-Fargo. I net $ XXXX/month and I pay {$640.00} to Wells-Fargo, though I only have to pay {$500.00}. I just want to remove my father as a cosigner. They are factoring in my car payment, rent, federal loans, etc., even though that debt has not stopped me from paying them. I do not receive support from my father. In fact, I live in a different state. I am XXXX, married, and living on my own with my wife, and can support this with documentation. I asked Wells-Fargo if a letter from my father explaining that he does not pay for my loan and a letter from my bank stating my father is not on the account would be enough to remove him, and they said no. At this point, I just want to remove him so he does n't have this hanging over his head. Whether it results in a lower interest rate is no longer the main reason. I am tired of conglomerate banks giving out loans to people, then saying that they do n't make enough money to pay them back. Why would you give money to someone who you do n't think can afford the payments? THAT should be illegal. It 's no different than banks giving mortgages to people who will obviously end up in foreclosure. Banks are destroying the American Dream one student loan at a time, and frankly, it needs to stop. All I want is my father off as cosigner and, if possible, a fair interest rate with a payment that wo n't cripple me. Evidently, that is too much to ask. So I 'm done going though the lender. I am going through my legal, government-sponsored resources.
Consumer complaint received 2022-08-15
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account XXXX # 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
Consumer complaint received 2016-11-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC. (FL)

Navient Solutions is reporting multiple items on my credit report that I did not receive from them nor did I agree Navient to pay. I contacted both Navient and the XXXX credit bureau which are reporting these fraudulent items and neither will send me the contract with my signature which I requested. I have asked numerous times and received nothing. By law these items must be removed. I will be filing a complaint with the XXXX as well as filing a lawsuit against Navient and XXXX if these items are not removed immediately!!!
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I submitted a dispute with TransUnion regarding my XXXX XXXX XXXX Mortgage account balance being incorrect. My account with the creditor was paid in full. 
So, I tried to resubmit the dispute with TransUnion and they did not offer a function to include documentation proof. And I tried calling XXXX XXXX XXXX Mortgage regarding them not being honest with these dispute investigations and the representative told me ; to contact the credit reporting companies.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (LA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on VANCE & HUFFMAN LLC ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2015-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

I have been a Wells Fargo Customer since XX/XX/XXXX and have never experienced such injustice with this banking institution. On XX/XX/XXXX I called to check my balance and was shocked when I heard I had {$200.00} In overdraft fees. None of my bills are automatically debited from my account so that immediately did not make sense to me. When I spoke to a banker she informed me that my account had been debited for {$300.00} and thatts how I came to have the {$200.00} overdraft fee. She gave me the companies name and I assured her that I never authorized a payment. She then transferred me to the fraud dept and they assured me that my money would be returned including my overdraft fees. A few days later I called back to check on the case ( case # XXXX ) and was told by another fraud dept representative that the case was just sitting because it was not listed as an unauthorized payment. To add insult to injury my paycheck came in my account through direct deposit days later and the {$200.00} overdraft fee was paid out of my hardworking money.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed.
Consumer complaint received 2023-08-03
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. (TN)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (NY)

I STARTED TRYING TO APPLY FOR A XXXX XXXX CARD I WAS GRANTED THE EVERYDAY XXXX XXXX XXXX CARD IN THE YEAR 2012 I WAS NOT LUCKY NOR ABILE TO HAVE TIME TO ACTIVATE THE CARD OR PAY AT LEAST THE LOWEST FEE ASTHE COST FOR THE MONTH TO KEEP THE CARD WAS ONLY 100DOLLAR PER MONTH/IT SEEMS THAT THE XXXX XXXX XXXX PEOPILE CLOSED AS WAS SAID A MAN AND A LADY WAS RULING THE HOLE DEAL AS TO NOT LET ME ATTAIN ANOTHER CARD /I WAS ALSO ABILE TO OPEN XXXX STATES OF MIX/MIXES BUILDINGS WITH OTHER FAMILY MEMBERS AS WITH SERIOUSER LISCENSE TO KEEP THE BLDGS AND OFFICES /IT SEEMS THAT I TOLD THEM THAT THE BLDGS AND OFFICES ARE INTACT AND NEEDS TO BE REGISTERED THEM SEEM TO IGNORE THE STATEMENTS ABOUT THE XXXX XXXX FOR YEARS AND THE XXXXLINES OFWRONGERITEMS AS XXXX XXXX
Consumer complaint received 2015-05-10
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (GA)

RE : XXXX-PRIVILEGED AND CONFIDENTIALCOMPLAINT : XXXXDear Wells Fargo Bank : I am in receipt of your regular mailed letter thot mirrors the online letter I IMMEDIATELY RESPONDED. Now, let ME, XXXX, provide clarification. 

The rental deposit annual interest payment is mandated for ALL LANDLORDS to paying tenants annually. I received the {$1.00} check dated XX/XX/XXXX sometime late in XX/XX/XXXX. I was unable to cash or deposit {$1.00} official XXXX check ( does not contain remarks noting 'void ' ) If the money has not been returned to the sender, then the money should be sitting in a bank ACCOUNT collecting interest. 

I WANT ALL MY MONEY AND ALL MY INTEREST. 

Sincerely and Respectfully, XXXX
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (RI)

Hi SYNCB/NETWRK ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days - How? 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (IA)

I have XXXX accounts with Wells Fargo. I was told when I opened them that my checking would be linked with XXXX of my savings account which was the primary savings account-meaning more money in it to avoid any over draft fees. I received fees when I had money in all XXXX accounts including the credit card account which would be the XXXX. I want all the fees back and in a timely manner. They are rude, disgusting and when the fees are returned I will be shutting down all XXXX accounts and going to another bank. Tell me how you would charge overdraft fees when all XXXX accounts have money in them?
Consumer complaint received 2022-02-04
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. (IA)

I have accounts that I want validated according to my rights and I have accounts that are non compliant that need to be deleted because there is no name of the creditor on them and accounts that say charge and or late which are not true
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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.

has violated my rights. Or a 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove hard inquiries 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 2022-08-15
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the XXXX you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (VA)

I am submitting this complaint in light of the account opening/sales pressure issues at Wells Fargo. These events occurred in XXXX, but i could not get answers to any of my inquires at the local branch, by calling the XXXX # or by written complaint to the corporate offices. 

I have been a corporate client of Wells since XXXX and opened a personal checking account there about 8 years ago. Online access was established on both at inception. In a letter dated XXXX XXXX, XXXX, i was informed that online banking had been established for the corporate account by an authorized signer. Within a few days, i received additional correspondence, including references to overdraft protection on a new checking account - linking it to a savings account ( neither of which i opened ) and a debit card. I immediately pursued how these accounts were opened. No one attempted to provide any answers and after hours at the branch and on the phone, i just submitted the written complaint to WF and monitored my accounts. I did not suffer any financial loss ( as far as i can tell ), but there was certainly a lot of activity occurring under my name that was not authorized.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

On Friday, XX/XX/2022, I received a letter from American Coradius International LLC ( Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX ) stating that they are a debt collector seeking payment on behalf of XXXX for an amount of {$590.00}. I have a XXXX account but have not had recent purchases that large. I reviewed my transaction history on XXXX and saw not charge that large or any outstanding balances. I then called XXXX and they confirmed that I owed no debt. If you XXXX the company, there are several hundred XXXX Reviews on this company sending out these fake letters.
Consumer complaint received 2015-10-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (CA)

I Have sent several certified letters to Receivable Performance regarding a debt that they are trying to collect. The debt originated through XXXX and is not my debt. XXXX has already closed XXXX of the accounts and needs to still close the other. I have written several certified letters to both companies. Receivable performance stated that they were going to close the account and send a letter to all XXXX reporting agencies, but it is still listed on my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am not liable for this debt of {$2900.00} with XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXX, they did not provide me with the original contract with my wet signature and ID verification. Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted from my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had lost my wallet which contained my debit, credit, cash and my social security. When I lost my social security I noticed inquiries on my Trans Union, which I do not recognize. I called the Trans Union to dispute it, but they told me I had to file an identity theft report, thats why Im here today.
Consumer complaint received 2022-02-04
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)

I was checking my credit report and i found out that there are many information which doesn't belong to me. I checked all details from credit report, and i saw, that you have wrong Date of birth XXXX, CORRECT DOB is XX/XX/1988. 
So i believe, that someone used my personal information to apply for these accounts, please, make sure You will inform all XXXX bureaus about this mistake. 
Because these accounts my credit score is very low, i'm not able to apply for any credit cards or loan, and You know, the situation with Covid-19 is very difficult and now is very hard to survive.