davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo has failed to correct IRS reporting of an amount of {$5100.00} for tax year XXXX, 1099 form is attached here showing reported amount to IRS. This amount represents a payment from Wells Fargo Remediation Program sent to prior address after I moved, intercepted by another party, fraudulently cashed. Wells Fargo reps replied to numerous prior CFPB complaints in re by referring to check as cashed, which was fraudulently, an affidavit filled out and investigated .... The cashing bank, XXXX, shows no funds in their account to send to Wells Fargo to cover item, claim rejected.. Wells Fargo refuses to reissue check, provide reasonable settlement offer, or correct IRS reporting information. I was referred to a tax professional in re, in which case, the professional advised Wells Fargo needs to correct IRS reporting information or I will be liable for tax penalties.
Consumer complaint received 2022-10-24
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following fraudulent accounts and information are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to you today to inform you that in the even you choose to not remove the disputed accounts and information, I will be filing a lawsuit. Also, I have sent a dispute letter to the Credit Reporting Agencies with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the removal of the following accounts and information completely from my Credit report : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I am requesting that the Credit Bureaus send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove that the disputed accounts are mine, I am expecting the deletion of the disputed items completely from my Credit Report.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

My credit card company ( XXXX ) accidentally issued a hard inquiry on my credit report. This action took place on XX/XX/18. I spoke with XXXX regarding this issue and they agreed that it was their mistake. XXXX then sent the appropriate information to Equifax to resolve the issue and remove the hard inquiry. XXXX sent me a letter dated XX/XX/18 that explained what they had done and that they were correcting the issue with Equifax. It has been over 30 days and Equifax still has not removed this hard inquiry from my report. I spoke with XXXX on XX/XX/18 and informed them that I am still seeing the hard inquiry on my credit report. XXXX then said that they would resend the information to Equifax to have the inquiry removed. I disputed the hard inquiry with Equifax as well and still no action has taken place to remove this hard inquiry.
Consumer complaint received 2022-08-23
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. (PA)

On XX/XX/2022, I mailed the attached dispute letters to Transunion and XXXX via certified mail to dispute the XXXX charge off that's inaccurately reporting on my credit file. Both bureaus stated the debts were verified as accurate ; see the attached reports. I have provided a screenshot of my most recent report and the data across the bureaus are not reporting 100 % accurately ( Key Data Points are not consistent ) and must be REMOVED from my credit report! 

Per 15 U.S. Code 1681i ( 5 ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX Account : XXXX XXXX Transunion Account : XXXX Acct XXXX XXXX
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Hello! This is for the XXXX XXXX XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called XXXX XXXX XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
XXXX
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (NJ)

I check my credit reports regularly almost everyday through my XXXX  & XXXX XXXX Apps to make sure all is well. On the morning of XX/XX/2021 I was notified my score had decreased by 33 points due to a Collection. I was immediately curious & upset because I havent received anything from any collection agency. I logged into my XXXX account & seen a collection account for {$150.00} on my credit report from a company named AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA. Ive NEVER received ANY PHONE CALL from this agency & Ive NEVER received any letter!! I dont even know of anything where I would owe {$150.00} because I pay all my bills & again, I havent received any type of communication about a {$150.00} debt!! Now my credit score has dropped horribly because of this company! If I hadnt checked my credit report I wouldnt have known anything about this company. I dont have any idea who this collection agency is or what the collection is for or from. Can this please be investigated & completely removed from my credit reports history? I need this to be removed & stopped before it attacks my XXXX  or XXXX  credit reports. I will attach a screenshot of what I seen on my XXXX  credit reports. Thank you for ALL your help.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (GA)

In or around the beginning of XX/XX/2022, I contacted Freedom Mortgage and communicated that my loan/mortgage account with them was reflecting that it was " refinanced, '' but it was simply paid off and not refinanced. Additionally, the comments on my credit files also incorrectly reflect that it was refinanced. Freedom Mortgage assured me that this would be corrected, but it has not been.
Consumer complaint received 2022-10-24
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: Nelnet, Inc. (CA)

I called the XXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was a Names : Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hoping that this DEPT OF ED/NELNET Late payment XX/XX/XXXX 30 days late will be removed. 

DEPT OF ED/NELNET XXXX XXXX : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00}, DEPT OF ED/NELNET XXXX Balance : {$0.00}, DEPT OF ED/NELNET XXXX XXXX : {$0.00} XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00}
Consumer complaint received 2022-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NH)

My mortgage was transferred from XXXX XXXX to PNC Bank effective XX/XX/XXXX. I received multiple letters about this. One letter said that the automatic payments I had set up with XXXX would transfer to PNC. On XX/XX/XXXX I called PNC because I was concerned my payment had not come out of my account yet. The person I spoke with told me that the auto withdrawal info had not transferred and that letter was an error but not to worry I would not be charged a late fee I could make a payment online for XXXX which I did. A payment of {$2100.00} came out of my checking account on XX/XX/XXXX. This was from the automatic payment I had with XXXX that I was told would NOT occur. On XX/XX/XXXX a second payment came out of my account for {$1800.00}. This was the payment I set up because I was told the other debit would not happen. I spoke with them today ( XX/XX/XXXX ) and had them cancel the auto payments that I had set up with XXXX. They said nothing would debit from my account in XXXX because I had ( without my consent ) made two payments in XXXX. Is this legal? An expected {$2100.00} out of my account is more than problematic for me and I'm sure any other people it happened to.
Consumer complaint received 2022-07-31
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. (DC)

I called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/AIDVANTAGE is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file. 

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-08-03
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 — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions bank is not following applicable bankruptcy laws. I filed Chapter XXXX bankruptcy on XX/XX/2021. This included the two lines of credit, credit card and checking account from Regions bank with the negative balance. These debts were discharged XX/XX/2021. Regions did not attend the meeting of creditors. Yet regions continues to report these accounts as charge offs. These debts are no longer collectible as the debt has been discharged should be reflecting as such to each credit bureau with a {$0.00} balance. Including in void and early warning services. Lastly regions is what caused the bankruptcy to begin with. They allowed an identity thieve to open two lines of credits and a credit card in my name. I previously reported that to regions which they did nothing about. After I filed bankruptcy since the theft caused damage to my health as well as credit and life. I have a fresh start.
Consumer complaint received 2022-07-31
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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. 

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (PA)

In accordance with the Fair Credit Reporting act SANTANDER CONSUMER USA 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. 
15 U.S.C 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.
Consumer complaint received 2022-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

On XX/XX/2022 I logged into my Navient web account for Federal Loans and made a small payment due XX/XX/2022. At this time, I received a message that I need to update my account information. For some reason my " cell phone number '' was " removed/invalid '' and completely missing. However, it was there the last time I logged into my Navient web account. I received calls last week FROM NAVIENT TO my cell number XXXX. Again, I did received calls FROM Navient last week at XXXX. I returned the call " outgoing '' to Navient on XX/XX/2022 ( see image snapshots of the truth of my words to this complaint ). This is indicated in my last CFPB concern, which is documented. Therefore, sometime between XX/XX/XXXX and XX/XX/XXXX someone removed my cell phone number from my Navient web account. I have had the same cell phone number for years. Per the legal agreement between Navient and I, I am to keep all contact information current, and it was until it was removed by someone else, other than me. My street address, email address, and cell phone number have not changed. I am documenting that someone removed my cell phone number from my Navient web account. I have been complying by keeping all contact information correct and current. My cell phone number was removed in the period of XX/XX/2022 to XX/XX/2022. Please review the image snapshots for validation. Thank you.
Consumer complaint received 2022-06-09
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: McCarthy, Burgess & Wolff, Inc. (FL)

I sent an Affidavit of Truth and an Invoice to XXXX XXXX XXXX, here is the tracking # XXXX. I also sent an Affidavit and an Invoice to McCarthy Burgess & Wolf , Inc tracking number $ XXXX and XXXX XXXX XXXX XXXX XXXX, tracking number # XXXX They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 

Theses companies have reserves multiple invoices under the same tracking numbers.
Consumer complaint received 2022-07-31
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-06-09
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. (CO)

On XX/XX/22 I disputed the information through XXXX, Transunion & XXXX on an auto loan from XXXX as inaccurate. The disputed account stayed and remained. On XX/XX/22 I disputed the account Again including the information regarding a litigation suit involving the finance company and the file was updated with inaccurate information.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Till this day over 34 days later I have not received a response, yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 34 days gives a reason to immediately remove those items from my credit report. It has been over 34 days and should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

THE 3 CREDIT REPORTING AGENCIES FAILED TO INVESTIGATE MY DISPUTES, ITS BEEN WELL OVER 60 DAYS, AND THEY FAILED TO INVESTIGATE THE INACCURATE AND UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORTS. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have sent in all proper documents to XXXX  and Equifax to dispute items on my credit THAT ARE NOT BEING REPORTED CORRECTLY AND THE ISSUE 'S ARE NOT BEING CORRECTED ... XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX..