davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-14
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)

My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX XXXX XXXX XXXX XXXX XXXX As well as inquiries on my XXXX report that have been removed from or were never listed on my other credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. 
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  I do not contact these companies for the following dates that have been listed with XXXX XXXX nor do I have accounts for the other companies. 
I am attaching the proof of accounts being deleted from other credit reports, proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2017-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

I am writing to dispute the payment process used by Navient XXXX regarding disclosure of interest charged to my student loans. I have written and verbally asked the company to send monthly statements showing the beginning balancing and ending balancing of the loans. In return, I received unclear information and no documentation about monthly statements pertaining to my student loans. I have checked my loan accounts on several occasions and spoken with Navient customer representative to ensure that my loan is not being calculated in error regarding the interest. I became frustrated when the response to the same question is a different answer. Therefore, I begin sending letters to Navient. However, the information that I am receiving from Navient to explain the accrued unpaid interest is not indicating the monthly beginning and ending balances. At this point, I am reaching out to you for assistance to protect myself as a borrower and to have my complaint filed. The amount that I am disputing is unknown because of the error in the accrued interest that has been calculated by Navient. Moreover, my loan began with XXXX XXXX and XX/XX/XXXX was the first payment and XX/XX/XXXXwas the first payment made to Navient. I want Navient to be accountable of charging what appears to be double interest to my loans and to reverse the interest that is not correct. 
I have been paying principal and interest on the loan but the total amount has continued to increase ( i.e. accrued unpaid interest dated XX/XX/XXXXin the amount of {$570.00} ). I 've called the customer service department on several occasions to receive an explanation and have not been given a satisfactory answer to why the total amount continues to escalate. Also, I 've asked for paperwork showing how interest was calculated for my loans and receive an example of a random account situation, which did not assist me regarding my account. I received history balance documentation dated XX/XX/XXXX on my account, but not an account statement that indicates start and ending balances.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

I am so sick of Wells Fargo putting holds on funds I deposit into my bank account and causing overdraft fees to my account. There has to be something that needs to be done to them. These fees are causing more hard to the average daily worker that 's working from paycheck to paycheck. The icing on the cake was when I made a deposit of {$28000.00} to my account and they put a 7 day business hold on my funds which is causing more overdraft fees. I have made payment arrangements with several companies to make my payments and now when they go to take funds out it will cause an overdraft fee. Then the company will put the payment through 2-3 times and each time, it will trigger an overdraft fee. Please make Wells Fargo pay for gaming the average everyday American please. We are just trying to live right, but I am so sick and tired of these BIG MEGA BANKS taking advantage of US!!!
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX Dear sir, I have checked the credit report of Experian and found out the discrepancy between your credit card company record and this credit report company payment history. Even though I paid off all monthly charges of your company, this Experian credit report states I have not paid off. Therefore, I request your company and this Experian will check this discrepancy to clarify the matter for me, especially because this Experian online report has changed content often. Recently, without my consent, the content was changed due to the deletion of record. Also, the account balance of XX/XX/2023 shows the discrepancy, too. 

Sincerely,
Consumer complaint received 2024-01-14
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: Experian Information Solutions Inc. (FL)

I have tried numerous times to get incomplete and inaccurate items deleted off my profile. This company Experian has made it extremely difficult to get help during my dispute process. They have ignored my requested and gone over the 30 days time limit. I need help please
Consumer complaint received 2024-01-14
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following credit card account from XXXX XXXX XXXX  currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report : XXXX is not my account. I never applied for the XXXX XXXX XXXX  credit card account. Its a fraudulent credit card account and I did not apply for the credit card account. The following hard inquiries currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report is fraudulent and unauthorized : 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
Consumer complaint received 2015-07-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMS Inc. (OH)

This company calls XXXX times a day using a robodial that prompts me to press XXXX to talk to them or XXXX to end this call. Regardless of pressing XXXX or XXXX, the call always ends. Not to mention, I do not have any outstanding debt to be collected. This harassment has been going on for over 8 weeks!
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX Dear sir, I would like to notice my concern regarding your company online credit report from XX/XX/XXXX to XX/XX/XXXX. I did not receive any credit cards offers anymore ; however, some contents are beyond my understanding. In total, I received 14 emails from XXXXexperian.com, XXXXexperian.com, and XXXX, experian.com. I realized there were some updates on my credit cards of XXXX XXXX XXXX, which I could not understand why your office considered I tried to dispute my three credit cards in past and present. I tried to dispute to know the reason why there were two accounts starting from XXXX cards. I consider that the card issued around XXXX must be my current card. I do not remember whether I ever had two accounts which starting from XXXX. If there was, somebody might have another card starting from XXXX. I insisted many times to clarify this matter as a victim of identity theft. 

Next, the record of XXXX XXXX lacks the information of XXXX of XXXX of balance history. I have paid {$57.00} on that month. Regarding this credit card, I am waiting my replacement card, which will be a replacement of fifth time. I request XXXXXXXX XXXX will send me the replacement card immediately, which can be used safely and hopefully without illegal and fraudulent activities. 

Thirdly, you have deleted XXXX which account number starting from XXXX without explanation. I never disputed this card ; therefore, what your office has done is illegal. Would you explain me why you considered yourself that you have the right to delete the closed credit card account? Do you have the right to remove the personal history without consent? I consider it against the human right ; therefore, it must be a subject to the consideration of international law since I am not a citizen of the United States. Would you explain why you continue to change the content of so-called credit report without the consent of individual? From the beginning, I continuously have the question what the purpose of this credit report is itself, if the content change so much ; even though individual must be same and difficult to change so quickly in a few days. I request the answer. 

Sincerely,
Consumer complaint received 2024-01-14
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. (DC)

XXXX XXXX DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DISPUTE OF CREDIT INQUIRIES- XXXX XXXX XXXX  RE : DISPUTE OF PERSONAL INFORMATION - XXXX XXXX XXXX Dear EXPERIAN , This correspondence serves as an official request under Section 1681i of the Fair Credit Reporting Act ( FCRA ), Title 15, U.S. Code , and Section 2701 of the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to credit inquiries made by EXPERIAN on XXXX XXXX XXXX XXXX credit report. We would like to bring to your attention multiple hard and soft inquiries. The USC Code that relates to fraudulent inquiries is Title 15, Chapter 95, Subchapter VI, Section, Section 1681s ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the UCC prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXX 's credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. 

List of EXPERIAN inquiries that needs to be removed : 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 Date of birth XXXX XXXX XXXX XXXX XXXX XXXX PRIVACY LAW OF 1974 States that The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-10-07
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. (GA)

On XXXX XXXX, XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX XXXX and Transunion ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XXXX XXXX, XXXX I have not received a response from XXXX or Transunion. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XXXX/XXXX/XXXX Please attachments-
Consumer complaint received 2016-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NC)

I went online XX/XX/XXXX to make a mortgage payment to Wells Fargo Home Mortgage of {$1300.00} which is my normal payment. I noticed the payment had increased from {$1300.00} to {$1300.00}. My normal escrow analysis was done XX/XX/XXXX and my payment had gone up due increased property taxes and property insurance.I called Wells Fargo and talked with customer service agent XXXX on XX/XX/XXXX and proceeded to tell me the increase was due to a mistake in the modification process of my loan XX/XX/XXXX. XXXX also stated to me to protect my credit that I should go ahead and make the new payment and Wells Fargo would talk to me later about it.Wells Fargo has not contacted me in any form including mail, email, fax or phone to alert me of an increase of my mortgage. Wells Fargo refuses to accept my normal payment of {$1300.00} and due to this stance my credit record is now in danger. I am on Social Security XXXX and every dollar counts to me. How can a bank just decide to increase your payment out of the blue without proper notification and then refuse to accept the normal payment. I have reviewed my closing statements of the modification XX/XX/XXXX and Wells Fargo is incorrect.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

On XXXX separate occasions, I sent proof of incorrect information to Experian and requested that they remove/ update the incorrect information. The first time was approximately XX/XX/XXXX and the second on approximately XX/XX/XXXX. In both cases they did NOT update or even honor my request, even though by law, they must. Here is the reponse I received by them, via email, on XX/XX/XXXX and then again on XX/XX/XXXX : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. '' This is clearly an attempt to thwart my efforts and is not proper. Please let me know the legal remedies I have against Experian. 

Thank you, XXXX XXXX
Consumer complaint received 2021-08-06
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. (CA)

TransUnion has beeb reporting alleged accounts on my consumer report without my permission. I never gave written permission for them to do so and they have violated my rights as a consumer pursuant to 15 USC 1681b congress has said. I've attached the affidavit of truth.
Consumer complaint received 2021-04-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date
Consumer complaint received 2017-10-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Reference Case # XXXX I received an explanation from this bank that did not satisfy my concerns, I never spoke with anyone although I reached out to the XXXX  office several times by phone. According to the person who reviewed the case in his comment to me he admitted that the bank was in error with their transactions which caused me to lose several hundreds of dollars and I will not pay for their mistake. I am getting several different scenarios of why my account was overdraft including there were not sufficient funds to transfer money so it never posted to the transferring acct. which is n't true, then I was told that it posted but did not have enough funds. 
Here is what I received from XXXX that I question : Please see attachments the concerns will be highlighted
Consumer complaint received 2020-05-11
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)

The US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was done.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

In XX/XX/2020 we had an issue with unfreeze my Equifax account, they made me call to obtain the unfreeze and then froze it again. 

We are doing this to try and obtain a loan. 

We once again tried to unfreeze the account with Equifax yesterday and again today. 

After going through all the steps once again, I was refused access and then called again provided all the verifiable information and even the representative could not give me access without supporting documents. Refuse to send the original documents since this credit bureau Equifax was hacked and is the only one out of the three that I have any issue with. I am able to access the other two without any hassle to freeze and unfreeze.