davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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: DISCOVER BANK (CA)

I have request that Discover take the following steps to remedy the situation : Send me a notarized statement attesting to your compliance with all provisions of the Fair Credit Billing Act with respect to my account. 

Provide documentary evidence of my indebtedness for all charges for which you claim I made late payment. 

Provide documentary evidence of timely billing and timely posting of all payments made on this account, whether or not you claim they were late, from the date the account was opened through the present. 

If you can not provide the statements and documentary evidence required, then I insist that you delete all negative references from your reports to XXXX, XXXX and XXXX.
Consumer complaint received 2018-03-16
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: Santander Consumer USA Holdings Inc. (OH)

I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Consumer complaint received 2015-05-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (CA)

I have a private student loan through Wells Fargo that was originally {$12000.00}. I started paying on the loan in 2012 which was then 18,000. I, being a young, " not so intelligent '' person at the time did n't realize interest was accruing from the time I got the loan nor did I expect it to be as high as it is. I have now paid over {$5000.00} on the loan and about {$900.00} has gone to principal, the rest interest. The loan has an interest rate of over 11 %. I have tried time and again to get the rate reduced, or even my monthly bill reduced and they will not help me at ALL! I do have some credit issues that I have been dealing with for the past couple of years and recently had to file for bankruptcy. I am in the process of rebuilding my credit and I am really trying to get my finances in order. Wells Fargo has made it very difficult for me to make any progress, they continue to ignore my pleads for any kind of help and repeatedly tell me that they can not help me. I understand that I am responsible for this debt. I am fully ready to take responsibility, but I also believe there in no reason someone who makes less than XXXX a year should be paying that high of an interest rate let alone a {$200.00} a month payment. I have done my research and there are not a lot of options for someone in my position, I am hoping filing this complaint will give me some more insight on what else I can do. At this rate, I will be paying on this loan for years to come. Please give me some direction. It would be greatly appreciated!
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2015-03-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (UT)

There are two components to the bank fraud that I discovered this morning. 
1 ) Wells Fargo changed my corporate bank account number without advising me. 
2 ) A customer attempted to send me an electronic payment last Friday via ACH. I never received the payment. After contacting Wells Fargo, they explained that my bank account changed. I then attempted to determine when this changed by looking at the previous bank statements. When I pulled my XXXX XX/XX/2015 bank statement from their online banking system the statement reflected the NEW account number. I then pulled a copy of my XXXX XX/XX/2015 statement from my local drive which I had downloaded back in XXXX. The XXXX statements ARE DIFFERENT. Meaning, that the Wells Fargo Online Banking system is displaying incorrect banking information to their consumers ( i.e. fraud ). It is not clear because no one has investigated this whether this is the result of fraud, weak internal controls in their IT process or some other reason. No consumer should assume that the information they are receiving from Wells Fargo is credible or accurate.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for a XXXX XXXX American Express Business Card on XX/XX/2018. Based on the promotional offer, I would receive XXXX XXXX XXXX  bonus points after {$3000.00} or more in eligible purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership, and a {$100.00} statement credit after the first eligible purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. 

The card was approved, and membership fee was charged shortly after. And I followed the spending requirement in the next 3 months but not bonus points and credit was issued. No communications at all were received from Amex to inform me that I was not eligible for the offer during that period. So I contacted Amex through online chat, and got the response that the sign up bonus on the card was declined on XX/XX/2018, the same day when my card was approved. I questioned if it was legitimate to decline the bonus without even notifying the customer, and instead wait until the customer to contact them to release such information. Then I was told that on the Amex website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, Amex should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). Otherwise, it is considered a deceptive marketing strategy to encourage the customers to pay the membership fees and meet the spending requirements without extending the promised benefits. In my case, I would not have applied the American Express Card if I was informed that I was not eligible for the promotional offer, or my bonus offer was declined on the same day I was applying for the card.

I have my chat history with Amex online representatives on this matter and would be happy to provide them if needed.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX had originally applied for a mortgage modification in XXXX. After XXXX submissions ( they lost or misplaced XXXX ) finally the XXXX was discovered and they assigned an account person to our case. After a few weeks we were notified by phone that the application had been approved and they would be sending us paperwork and agreement. The agreement was a lowering of our payment to {$1300.00} per month and interest rate reduction to 3 %. They also instructed us to NOT make any mortgage payments as this would delay processing. After a few weeks of not receiving anything or being contacted we called them. We were told that our agent was no longer with wells fargo and they had no information on our new mortgage modification agreement. We were told we would have to resubmit paperwork. My wife and I were disqusted with wells fargo and decided they were not going to do anything for us. Wells Fargo continued to send us mortgage modification packs ( at least XXXX ). Finally I thought I would try again. I called and told them our past problems and all the application submissions. I was told they HAD our application and it had been denied by a investor. Something they mysteriously never revealed to us in the past. I asked if wells fargo was holding the mortgage and who this " investor '' was. They said they could not divulge that information, but the investor refused to lower the interest or payment of the mortgage modification. I did n't know an outside investor had a say over mortgage. modifications and over wells fargo. We are still receiving mortgage modification packs from wells fargo, even though the had denied our application. We have had late payments in the past but are current at present time. Since the crash my wife has lost a substantial amount of income and we 've used savings and investments to keep up. I am retired and on fixed income. Wells Fargo has done nothing to assist, except send us foreclosure notices and threatening letters. Oh but they continue to send us the mortgage modification packs. What do they want from us, send in they application for the XXXX time so they can lose it or deny it again. So the " investor '' can deny it, sorry. I 've also discovered that the Office of Comptroller of Currency has a Consent Order against Wells Fargo for failure to comply. I believe this is about the same scenario as we 've experienced with Wells Fargo. Other Big banks have been released from this order by their compliance, Wells Fargo was not one of them.
Consumer complaint received 2024-02-10
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. (IA)

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.

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 2022-08-09
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. (GA)

WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR XXXX IN ORDER FO THE XXXX COURT TO INVESTIGATE THE FRAUD. XXXX REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX WHO CHANGED THEIR NAME TO XXXX AND NOW XXXX. NEVER RECEIVED A LOAN FROM XX/XX/XXXX. WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX  IN XX/XX/XXXX. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED. 

XXXX IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE. 


REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM XXXX FOR REFERNCED ADDRESS XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM XXXX XXXX XXXX XXXX  IN XX/XX/XXXX, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (TX)

Years back i had a membership with XXXX XXXX  XXXX, It was a No Contract Membership. 
MY Social Security Number was never given to the Creditor. 
I payed for a good year then Cancelled my contract in person with the Representative there. 


I asked the Creditor for Validation of debt AT LEAST 3x through the phone but they have YET to send me an E-Mail.
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. (IL)

I have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
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. (IL)

I have previously disputed with transunion, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2015-07-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: NAVY FEDERAL CREDIT UNION (WA)

On XXXX XXXX XXXX, I purchase a ticket from XXXX XXXX via online in the amount of {$350.00}. Unfortunately, the ticket was not issued to the passenger so the passenger had to purchase the ticket using her own debit card. I then contact Navy Federal Credit Union, and talked to customer service, then was informed to contact the merchant, XXXX XXXX regarding the charges. Apparently, I contacted XXXX XXXX and talked to the agent. He informed me that there was no payment that was made due to the ticket not issued. On XXXX XXXX XXXX, I contacted Navy Federal Credit Union, and talked to XXXX, Supervisor regarding payment that was made to XXXX XXXX since my checking account showed a minus. I tried to explain to her about the matter between XXXX XXXX and Navy Federal Credit Union. She informed me that XXXX XXXX needs to provide me a letterhead to Navy Federal Credit Union to say not going to pay funds. I told her that is not what I was told in the first place, and that I was going to file a complain with CFPB, and she said go ahead and make sure my name is spelled correctly. This was uncalled for as she was negative and unprofessional including rude talking to a customer that has been with Navy Federal Credit Union for years. Again, I contacted XXXX XXXX and talked to the manager and was told that a letterhead does not need to be provided and that does not change because I was not charged for the ticket. I need to contact the Navy Federal Credit Union letting them know.
Consumer complaint received 2022-07-20
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report :. XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

XXXX XXXX bought out my credit cards with both XXXX XXXX  and XXXX. At time of switch they lowered my limits to below the amount I had borrowed previously then charged me fees. I have since made all accounts current and they closed my XXXX account affecting my credit. I have messaged and they refuse to reopen although they did not close my XXXX.