davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SD)

On XX/XX/2021, I purchased 2 car fenders from a seller on XXXX, named " Old School Cars and Parts ''. The seller said he only accepted XXXX as a payment option. I hesitated, but was saw that my bank, Wells Fargo, offered XXXX as a payment option, so I assumed it was safe using the bank as the payment option. I sent the amount required, {$470.00} to the company via information on XXXX XXXX, the only way I communicated with him. The next day, the seller requested more money, an alleged {$150.00} " refundable insurance '' payment for the shipper, with an email to also send a XXXX payment to. I asked him to send me proof of the items even existing, and the shipper 's name, so I could check myself, or refund me the money. No message after that, and now he blocked my messaging to him. of course, the fenders were never shipped, if they even existed. I filed a claim with Wells Fargo, and after 10 days, I called back. They told me the claim was denied, due to me now knowing the other person. They did not care that theft was involved, and that upsets me that Wells Fargo even promotes a service like XXXX. I set up a fake XXXX account, and sent messages to the seller, who is still doing business. He said he never had a problem with anyone using XXXX, and I referred him to my real name 's transaction, and that a refund should be sent or charges would be filed against whoever he was. No comment after that, of course. I think Wells Fargo should help me out a little more with an investigation, or do a courtesy refund to me for {$470.00}, since they still offer XXXX. I have filed a report with the Internet Claims office. I have screen shots of all communication with the seller, even a phone number, as he called me once about the payment and texted me, too. XXXX is no help, as still have " Old School Cars and Parts '' online, and there is no real way to notify of them of this seller, as he does not use their XXXX marketplace to sell from.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I opened a XXXX  XXXX  XXXX account in 2016. I planned on using the account for my brokerage account and did not do much with it. In late 2016 my account was hacked and several charges appeared that were not from me. I was not aware of the charges until receiving a letter from the bank stating the account was closed. Upon checking with the bank I discovered the account closed with a negative balance due to overdraft fees for things like gym memberships that I did not subscribe to.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2020-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (MD)

Phoenix Collections called me and said I owed XXXX to XXXX. XXXX XXXX XXXX 
I told them I had payed the bill directly a year ago, which I did, I a have the canceled check. The guy said OK, he then sent me a bill and marked my credit unpaid. 

They are apperently trying to extort a collection fee from me
Consumer complaint received 2021-10-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

XXXX reported an inquiry on my credit report by Citizens One Bank on XX/XX/2021. 

On XX/XX/2021, XXXX notified me that I had purchased 2 XXXX units and charged my Cizens One Bank credit card for those purchases totaling almost {$1000.00}. 

I called XXXX and they canceled the orders. 

I called Citizens One Bank and the fraud department said they opened a fraud case # XXXX and gave me the fraud department phone number XXXX. I've called them 4 times, and it says to leave a message, but no one calls back. 

I received an email from Citizens One Bank welcoming me to my Mastercard account # XXXX, and asked me to set up my account, which I didn't. 

I reported this fraud to XXXX and they put an alert on the 3 credit reporting sites. 

The address they noted was my previous address.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. 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 there was a billing error with my statement.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have written XXXX several times to remove this late payment off my account Account # XXXX XXXX XXXX Account # XXXX Late Payment XXXX Hard Inquiry ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX {$5200.00} Old Addresses XXXX XXXX XXXX XXXX La. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La. XXXX ( Experian ) Hard Inquiry XXXX XXXX XXXX Experian )
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

Hello, I set up an automatic payment plan with Wells Fargo XXXX XXXX XXXX account ) and made the payment larger than the minimum payment due. I noticed I had a late payment the first statement. I wondered ho this happened since I set up auto pay. I called and a rep refunded the fee of XXXX. I looked at my new bill and saw a {$40.00} fee. I called and they said it was because my bank rejected the payment. I saw that instead of taking out {$150.00} on the due date, there was a XXXX payment that was taken out on the XXXX of XXXX Then there was a payment for XXXX on the XXXX of XXXX Then there was a returned payment fee of XXXX on the XXXX which baffled me because on the summary of account activity, it shows the payment of XXXX. I have more than enough in the bank to pay this bill and only had the line of credit opened in order to build credit, but am mad at myself for doing business with XXXX because I had a horrible past experience. 
When I called XXXX, I was told it was my bank 's fault and I needed to call them. It appears that Wells Fargo is back to it's past practices of scamming myself and millions of others out of their money. 
I paid off the account immediately due to my disgust and closed it but omitted the XXXX fee. I told them I am NOT going to pay this and I am going to have them investigated.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX has violated my rights. Or 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 2022-01-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (CO)

I had a phone call from Medicredit on XX/XX/XXXX saying I have a medical debt. The medical debt with XXXX XXXX XXXX XXXX was dismissed because it was misfiled with my insurance. They resubmitted it. After the initial phone call, then I get a letter to dispute within 30 days. The letter was received on XX/XX/XXXX and a phone that same day. I wrote them to cease all communications with me and that this debt was not valid. They must not keep in contact with their clients to see this. I received another phone call on XX/XX/XXXX. They did not give me notice beforehand and no 30 days to dispute and even after getting my letter, they are still calling. They are violating numerous FDCPA.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (FL)

15 U.S.C 1681 Section 602 A states the right to privacy.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to request the correction and updating of my personal information on my credit report. I kindly ask for the removal of any unverified, outdated, incorrect, or potentially harmful information that could cause significant inconvenience or harm to me
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-01-17
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. (OR)

I contacted XXXX, XXXX and Equifax in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If XXXX, XXXX, and Equifax fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.
Consumer complaint received 2021-09-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (VA)

I have 3 Personal Plus Parent loans for both my XXXX  XXXX, and XXXX  XXXX. 
XXXX went to XXXX XXXX  for one year. XXXX went to both XXXX XXXX and XXXX. 
Navient shows interest that is twice the original loan amount. I have been on Unemployment for 2 years and not able to pay. 
I am looking for forgiveness under the American Rescue Plan of all the loans. 

Please advise. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (KY)

My student loans were transferred from Aidvantage to XXXX XX/XX/XXXX and ultimately forgiven as part of XXXX. I've received confirmation lettters and XXXX balance across all accounts ( XXXX, Department of Education, Aidvantage ) XX/XX/XXXX. On my credit report, however, it is showing my student loans are doubled -- BOTH AIDVANTAGE and XXXX are showing my student loan debt so it appears I actually have double the amount of student loans which is a sizeable amount. This is unacceptable -- I have not had a balance with Aidvantage for almost a year, and it has been almost four months since my loans were forgiven under XXXX. This has negatively impacted my credit score, my debt to income ratio, and is prohibiting me from buying a second house and car. Please address this as soon as possible and remove these balances from my credit report.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (MD)

There was fraudulent activity that took place on my credit card ending in XXXX with Navy Federal Credit union. I believe it may have been 2 seperate charges one being {$500.00} and one being {$9000.00}. The {$9000.00} charge was to " XXXX XXXX XXXX  '' and was made on XX/XX/23. The other charge was {$500.00} to " XXXX  '' on XX/XX/23. Both of these charges are fraud and I reported them as such to my bank multiple times. They seem to want to just deny my claim and say that these charges were made by me? They most definitely were not and someone was able to access my personal information and make purchases with my credit cards... 

This is fraud and I should be protected from things like this happening. I'm not paying this money and letting the fraudsters just get away with this. I need this money credited back to me or I'm just going to file a lawsuit and come for it that way. Either way these aren't my charges and I won't be paying them.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion, XXXX, and XXXX continue to report these XXXX XXXX accounts incorrectly. The application acts as the security do I can not be late or owe a collection when the interest of the account settles all balances. The credit bureaus are violating federal law by reporting this information when it is not accurate. TransUnion, XXXX, and XXXX are paid to furnish consumer information but you need the consumers written or expressed consent to provide this information. I have given no such consent to use my information to report negative information about me to damage my character and prevent me from obtaining credit that is my right. Produce any document with my signature that states I give you permission to use my name.
Consumer complaint received 2022-01-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying since XX/XX/2021 to have SPS mortgage services help me after completion of a forbearance. Everytime I call they say still missing documents, can't read documents etc. I send them, email them, call on them over and over. I have a reinstatement demand for XXXX now. I can give them XXXX but I need them to agree to this. I wanted the balance to be put to the back of the loan they said no. No foreclosure date set yet but there is a mention of it. I get reams of letters demanding info which I send to them Please help this co has tons of suits against. I am a senior too. They never call back as they say they will. I have a relationship XXXX who when I call her extension someone else always comes having me repeat my story. They say on every call that they will send the info provided to the underwriter. That is all they will say. Tried to get ahold of their ombudsman it goes back to their phone line or their address.
Consumer complaint received 2024-02-11
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. (PA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.