davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (NM)

I have sent letters to Discover Student Loans in XXXX and XXXX of 2020 detailing the ruling from XXXX 's accrediting agency the XXXX that XXXX has engaged in a pattern of " fraudulent communications '' with myself and my brother XXXX XXXX. All loans are in dispute. An attorney at the law firm we hired has been XXXX, with the NV bar stating that prosecutions are imminent. Discover has not responded to any of this information, and instead stated today via email that the loan will be charged off, and I will be having my credit score affected along with them seeking out collections against me. XXXX is acting criminally against state and federal law and as a low income college student I am being exploited with the laws of America being violated. Discover Student Loans needs to be audited and investigated for assisting XXXX in these crimes against me.
Consumer complaint received 2018-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (PA)

I recently checked my credit score on XXXX XXXX. I noticed my score decreased even though I haven't applied for any loans credits cards ect. The website advised me I currently had a hard inquiry in my file. When I checked to see what it was for this came up Institution Information XXXX/XXXX   XXXX, FL XXXX. I tried to call the number to speak with anyone about this but no answers. I wanted to make sure my information hasn't been stolen. Agian I have not applied for any loan credit cards or anything like that so not sure what this is. Please contact me when you can my email is XXXX XXXX
Consumer complaint received 2021-04-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (MD)

Nelnet ( never attended XXXX  University XXXX unsub federal loan XX/XX/2017 {$6400.00} sub loan XX/XX/2017 {$3500.00} grant {$2600.00} I decided I was going to go back to school this year due to losing my job from COVID when I finished filing out my FAFSA I noticed my loan and grant total was exceptionally high. Looking further into it I noticed loans that I never took out. I called XXXX and they had information on file that was not mine. I have never lived in XXXX, West Virginia nor have I ever had that number. They instructed me to call NelNet for help resolving my Identity Theft case. NelNet was extremely rude. They told me I would received an email about what steps to take to resolve my issue. I have not received said email
Consumer complaint received 2020-12-13
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)

On XX/XX/2020 I submitted a complaint to XX/XX/XXXXXXXX and XXXX XX/XX/XXXXthat had incorrect inquiries on my credit report. The two banks have stated that they had sent a request to the credit bureaus to remove the inquiries within 60 days. The inquiries are still listed in my credit report.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (CA)

I have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX  - Acct # XXXX {$2000.00} XXXX XXXX  - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}
Consumer complaint received 2022-06-25
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. (MT)

XXXX XXXX XXXX charged off {$620.00} Through the country door charged off {$1500.00} XXXX XXXX XXXX paid in full XXXX XXXX XXXX XXXX charged off paid in full XXXXXXXX XXXX XXXXXXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now
Consumer complaint received 2022-01-10
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. (NC)

Despite three written requests, for deletion of three fraudulent accounts sent on XXXX, XXXX, and XXXX ; which have been identified as fraud on my consumer credit report Consumer Reporting Agencies continues to violate Federal Law.

Consumer Reporting Agencies continues to furnish inaccurate and deceptive information without my consent. Consumer Reporting Agencies are invading my consumers privacy and causing me adverse actions. Consumer Reporting Agencies has not provided copies of the original documentation required under FCRA. Consumer Reporting Agencies are noncompliant of the federal law.
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX and XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act : XXXX XXXX Credit Card with account # XXXX, XXXX Credit Card with account # XXXX, XXXX Secured credit card with account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX Credit Card XXXX account # XXXX, Collection account from XXXXXXXX XXXX with account # XXXX, Collection account from XXXX XXXX with account # XXXX, Collection account from XXXX with account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX, Public Record from a XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX on XX/XX/XXXX, Inquiry from XXXX XXXX XXXX XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, XXXX from XXXX XXXX on XX/XX/XXXX XXXX Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX, Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX  on XX/XX/XXXX Inquiry from XXXX COUNTYS XXXX XXXX on XX/XX/XXXX Inquiry XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX XXXX from XXXX XXXXXXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/18 around noon, I used my ATM card to deposit 2 checks totaling {$890.00} at Wells Fargo ATM at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The ATM went black midstream. It would not return my ATM card or checks. I immediately reported the incident inside the branch. My ATM card was retrieved but my checks totaling {$890.00} were not returned or credited to my account. 
The ATM was not investigated or taken offline. Instead XXXX XXXX, branch manager, said the ATM was " recycling '' and my checks might be processed. If not, she said the branch could not help me in getting my 2 checks back or in having them credited to my account. She told me to call WFC to report the incident. I asked that a banker do this as its ATM had eaten my checks. She reluctantly told a banker named XXXX to call the telephone # on the back of my ATM card. He did in between helping other customers. Dissatisfied, at XXXX XXXX I told him I was recording the incident on my phone. About 20+ minutes later XXXX XXXX an Online Banking CSR said her department could not help as ATM claims should have been called. I complained to XXXX XXXX. She said the bank wouldn't help me to get my 2 checks back or to have them credited to my account. She threatened to have me arrested for recording the incident. I agreed to her calling the " authorities ''. She refused and insisted that I leave the branch.

I have emailed Wells Fargo to relay the above and to request that the 2 checks I deposited promptly be credited to my account. Once a consumer inserts checks into a bank 's ATM isn't the bank responsible for them and obligated to deposit or return them? 

WFC records consumer calls. Can't a consumer openly record conversations with WFC bank branch personnel?
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

m disturbed that XXXX and XXXX are still report a dismissed bankruptcy ( chapter XXXX/Chapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days.These items were removed on XX/XX/XXXX and reapplied/put back on to my credit file today XX/XX/XXXX. This information is incorrect and by law can not be resubmitted each month. As a consumer I have the right to have my credit file show the correct information. Submitted documentation to have XXXX XXXX credit auto removed amount {$8100.00} fraudulent account. Account must be deleted by law from credit file.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

GREETINGS CFPB, CARE CREDIT IS OVER CHARGING ME, THEY SAID I HAD NO PAYMENTS CREDITED TO MY ACCOUNT .I PAID A PREVIOUS CHARGE ALSO AND THEY ARE CHARGING ME ALSO, THEY CLOSED MY ACCOUNT AT XXXX XXXX, XXXX XXXX DOLLARS. I OWED THEM XXXX XXXX DOLLARS FOR XXXX XXXX XXXX XXXX CA. PAYMENTS ARE - $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX $ XXXX $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX ALL FROM MY XXXX XXXX XXXX XXXX ACCOUNT TO XXXX BANK.
Consumer complaint received 2022-04-24
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. (TX)

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. 
DPT ED/XXXX XXXX, DPT EDXXXX XXXX XXXX DPT ED/XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US DEPT ED XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.S 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 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

On or about XX/XX/XXXX a check ( written on my Wells Fargo account ) was issued to a friend for {$170.00}. As it happens she attempted to deposit this check in her Wells Fargo account., She informed me she received a text message stating that the check could not be deposited and she should come into Wells Fargo bank.for an explanation. I as contacted immediately. This check was clearly covered and I couldn't understand what the problem is. I immediately called Wells Fargo customer service. I was told in so many words that " they '' could hold a check as long as they want to, but there wasn't any problem with my account and the problem lied with my friend, When I told him her account was with Wells Fargo to he could nlt offer anything except to tell her to come into the bank. This was not acceptable but rather than make a fuss, she decided to depsoit in another bank account and no problems occurred. On XX/XX/XXXX, I issued a % XXXX check to another friend, who also had account with Wells Fargo. He too had the same issue. He did not want to go into bank, tried to deposit at the ATM. I called again to ask was there something wrong with my account. Again, I was told there was no problem it was probably with the friend 's account. Again, I told them he had an account there as well.XXXX  XXXX, XXXX a check for XXXX, same problem except he was trying to cash it. I called them and they said the check was pre-dated. So I wrote reicpient another check seemingly no further problem.XXXX XXXX, XXXX, the recipient of the XXXX received another check I wrote for XXXX ( well covered balanace ) same identical issue, same response. I don't know why, they won't give information and I believe I am being targeted in some way. Most times I have at least a balance of XXXX in checking and XXXX in savings. Not sure why this is happening or why I get vague and unconvincing answers. Please help, I don't like dealing with cash, and for other banking issues I don't you use debit purchases anymore as my card kept kgetting " declined '' for no reason. can you help?
Consumer complaint received 2018-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

Money was deposited into my account unauthorized. It was reversed from my account per the bank representative and claims specialist. I waited 15 days to confirm if the money had been received they indicated to me they have not received a return payment from the bank. They asked for information from the bank showing proof it was returned. I called wellsfargo asking for a reference #, a transaction receipt, & or something tracking that the payment was returned. Wellsfargo denied giving me information to show proof the money was rejected & sent back to the payors. They have stolen {$1400.00} along with several other double charges on my account. Claim XXXX
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, 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. (NV)

XXXX of XXXX, I was checking my credit report for the first time in a while. I noticed 5 unauthorized accounts on my report. I filed an identity theft report with identitytheft.gov today, XX/XX/XXXX and will submit a police report On this coming Monday, XX/XX/XXXX. I have called the creditors to report the accounts as fraudulent this morning, but there has been no help or luck with anything. I keep getting the run around and it appears that no one wants to help me. The total debt with all 5 fraudulent accounts adds up to {$8700.00}. Can someone please help me as this is a major inconvenience to my life.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (VA)

This company : Closing USA LLC involved in my home refinance process in 2020, and all the closing process is done. 

However, when I review the document they supplied to us, there is one item called 'current property taxes due to XXXX XXXX ', the total amount is {$4100.00}, and I also reached out to XXXX XXXX admission department, the staff there confirmed that this amount of tax is paid by closing usa LLC , But I did not receive any Year 2020 form 1098 from Closing USA LLC till now, it is only one month left for the deadline of the tax return. I am very anxious. 

I tried to reached out to closing usa llc using phone, email, voicemail, but none response at all.
Consumer complaint received 2021-04-07
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. (PA)

Hello, I contacted Equifax several times about issues pertaining to my credit report and my right my first attempt in XXXX then a complaint here in XXXX now again because they have yet to send me the documents I requested verification of debt how they verified the debt once mines and contracts bearing my signature. 
The following accounts raised concerns and I addressed them multiple times. 
It's been the past 30 days and I would like these accounts deleted from my credit report. 
* XXXX XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX
Consumer complaint received 2022-07-29
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 at XXXX XXXX at XXXX XXXX XXXX I attempted a withdrawal at an ATM ( XXXX ) for {$350.00}. It asked me whether I wanted it in XXXX  or XXXX  dollar bills. I requested for 50 's however when the machine dispensed the money it gave me XXXX  XXXX dollar bills as if they were XXXX dollar bills giving me {$140.00} dollars instead of the {$350.00}. 

Immediately after on XX/XX/2021 at XXXX XXXX at XXXX XXXX XXXX I attempted to retry and withdraw again since I really needed the money. This time I attempted to withdraw {$400.00} but with the intent of requesting XXXX dollar bills however when I clicked on the amount I wanted to withdraw it DID NOT allow me to choose how I wanted to receive the requested amount ( If I wanted XXXX or XXXX dollar bills ). It gave me XXXX  XXXX dollar bills for a total of {$160.00} instead of the {$400.00}. In total I received {$300.00} but was short {$450.00} from my account. 

I called Wells Fargo immediately at XXXX XXXX to see what could be done because nothing like this has ever happened to me. Since it was XXXX customer service told me the only thing they could do was file a claim and wait 5-10 business days. On XX/XX/2021 I received an email notifying me that my claim had been settled. When I called they told me that they found no error and that my claim was denied. I requested to appeal the claim but I was denied that as well. 

I called customer service and their claims department numerous times, six to be exact. Each time telling me there was nothing they could do. They were able to get a supervisor to talk to me and all they could do was file a complaint about customer service. Eventually they told me that another supervisor from the claims department would call me and see what they could do in the next 24 to 48 hours. I waited and I have yet to get any call from them since. 

I asked for an appointment with Wells Fargo on XX/XX/2021 on Sunday XX/XX/XXXX since it was was the earliest available date. On XX/XX/XXXX at XXXX XXXX XXXX XXXX a personal banker at XXXX and XXXX  tried to help me and see what actions I could take to resolve this matter. When he called they told him that they only checked the cameras to see if I was the one who authorized the transaction and sent someone to count the ATM to see if it was short. Since I was the one who authorized the transaction and they said the ATM was not short they concluded that there was no error. 

My issue with this however is that while I did authorize the transaction that is not what I am disputing here. I counted the money in front of the ATM both times and the camera will very clearly show not only me counting the money but also show that they were in fact XXXX dollar bills instead of XXXX dollar bills. Also since I received less than the requested amount the ATM would be over not short.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (MI)

IQ DATA INT'L INC XXXX, is violating my rights. as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature,. 
The account in question is a debt buying company that is violating several FCRA FDCP statutes. 1692. ( b ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once 15USC 1692 ( f )