davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Regardless of the multiple written requests, the unverified accounts listed below I do not consent to XXXX or any means of automated verification, are still reporting on my credit reports in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the following accounts completely from my Credit Reports : 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 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

Around the end of XXXX and beginning of XXXX, XXXX. Our mortgage company, Wells Fargo contacted me about a program they were offering due to Covid and that if we were current on our mortgage that we would qualify for the program offered by Wells Fargo and the government ( it was stated many times that THE LOAN MUST BE CURRENT TO QUALIFY ). I talked to my wife and yes we decided to try it out because I had been laid off work but would only be out of work until Covid was under control. We did qualify which means we were current on loan. I agreed over the phone and they took all my information over the phone and they told me that no payments would have to be paid and I would be reviewed by Wells Fargo every six months. I was then told that when I was able to go back to work, I would pick up like I never missed one payment and return to making my house payments. On top of Covid, the owner and boss where I was employed, XXXX XXXX. I was thankful that this program had been offered, I ended up being without work for 18 months. I then called Wells Fargo to let them know that I was ready and capable of making my mortgage payment. I got the surprise of my life and was talked to like I was trash that did not make their mortgage payments. She said that I was in default and I would be getting foreclosure papers by mail. She said that I was one payment behind when I agreed to the program. I told her that I could not have qualified if I was behind and she started laughing and said to keep my house I needed to come up with {$14000.00} and she knew I would not have that if I could not even pay my mortgage payments and I only had a 2 days to pay this. We were at a loss and we live in Oklahoma and the closest Wells Fargo was in Texas ( 6 hour drive round trip ). She was correct, we did not have that kind of money laying around so my wife called her parents and I called my brother, and we borrowed the money to pay that amount. We could not be homeless after living in our home for 20 years. Now we are making 3 payments, 1 to Wells Fargo, 2 to my in-laws and 3 to my brother. Wells Fargo took advantage of me and my wife and lied about a program that if I was behind on mortgage, that I absolutely would not even qualify for.
Consumer complaint received 2018-01-17
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC (TX)

On XXXX XXXX, XXXX while reviewing my credit report I noticed a debt was recently reported by Williams , Rush & Associates for a contract that I signed with XXXX XXXX in XXXX, TX. The amount of debt reported was {$8400.00}. On XXXX/XXXX/XXXX I contacted them and informed them that the debt reported was inaccurate. In addition, I sent 2 letters to them stating the debt was inaccurate and should be removed from my credit report. I also asked them to verify the completeness and accuracy of the information being reported and to provide copies of any documents bearing my signature showing I was obligated to pay {$8400.00}. They have failed to provide documentation indicating I owe this amount. I have also asked that they discontinue calling my personal number as well as other numbers listed as emergency contacts and instructed them that all future communications should be in writing. They continue to make daily phone calls to both my personal number and emergency contact numbers.
Consumer complaint received 2023-05-10
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXXXXXX 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 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After receiving my recent credit report from Transunion I noticed that an account under the name XXXX XXXX XXXX XXXX has been submitted to my Transunion credit report without notice as required by federal law 5 business prior. A violation of federal law section 1681 of the FCRA rules.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (KY)

As you will see in the attached documents I have provided all statements from the 2 years I have used Chime. My money is deposited into the credit builder which is just a fancy debit card they reports to one Bureau supposedly every 30 days. That combined with my actual checking account if you add up all transactions in my account you will find discrepancies beyond repair. 

Below is my statement : I am writing this with great frustration regarding the missing funds in my account. Between the months of XXXX and XXXX, I noticed money missing from my account, totaling upwards of {$1000.00}. I have been patient and understanding up until this point, but I can no longer remain silent. 

I was promised an update on the situation by a supervisor named XXXX, but I never received one. 

Additionally, I was told that the issue would be resolved within 48 hours with consistent updates, as of now it appears that promise wont be kept. 

As a result of this situation, I will now be going back to XXXX XXXX XXXX and looking at all statements to find any other errors or discrepancies. It is unacceptable that I have to take matters into my own hands to ensure that my funds are being handled properly. 

Theres no particular transaction. The money is just gone. So I need all my transactions added up from XX/XX/XXXX to XX/XX/XXXX and find the difference of money missing since XXXX, XXXX, XXXX, XXXX, and XXXX cant assist me with why I have XXXX XXXX missing from my account between XXXX and XXXX of XXXX. 

A few days later : I was told that it is not {$1000.00} between those month but that it looks more like {$150.00} not accounted for so if thats the case {$150.00} x 24 months = {$3700.00}. 

So now, since we have an admission of guilt, I can either be refunded {$3700.00} or the {$1000.00} not in my account
Consumer complaint received 2023-05-10
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. (NY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please update these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-17
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. (AL)

This is my second time putting in complaint for this consumer reporting agency. As You Know The FCRA has violated my rights to privacy once again and confidentiality under 15 USC 1681. By Law under FCRA Consumer reporting agency are REQUIRED to have properly verified the accuracy of an account listed on my credit report. Experian have ignored my request to provide me with documents that have in their files that is used to verify the disputed accounts which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.

It also states in 15 Us 1681 Section 4 That consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 


XXXX XXXX XXXX has violated my rights as a consumer. 
XXXX XXXX XXXX has violated my rights as a consumer. 
XXXX XXXX XXXXXXXX XXXXXXXXhas violated my rights as a consumer. 
XXXX XXXX XXXX XXXX has violated my rights as a consumer. 
XXXX XXXX XXXX has violated my rights as a consumer.
Consumer complaint received 2024-01-17
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-10
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: GOLDMAN SACHS BANK USA (CA)

Dear Consumer Financial Protection Bureau, I am writing to request the removal of a charge off from my credit report. The negative marks are having a significant impact on my credit score and decreasing my chances of being approved for loans, credit cards, and other financial products. 

The charge off occurred due to a recent change in my living situation. Starting in XX/XX/2022, I was homeless for XXXX months and was unable to make payments on my account. As per UCC 2-725, this situation falls under the category of " impracticability of performance '' as my ability to fulfill my financial obligations was hindered by circumstances beyond my control. 

I understand that charge offs can remain on a credit report for up to seven years, but I am hoping that the circumstances surrounding my situation can be taken into consideration. I have since secured stable housing and am working to rebuild my financial stability. 

I appreciate any assistance you can provide in resolving this matter and thank you for your attention to this request. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-17
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. (AL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

Hello I believe that I ' m owed a total of {$15.00} to my wal greens credit card which is issued via synchrony bank.

I did have all an offer added to my wal greens card card to get {$5.00} back per recurring monthly bill payments charges.The promo is good up to {$50.00} total by end of XXXX  year.I 've only be awarded a total of XXXX so far out of the XXXX {$5.00} earned on XX/XX/XXXX ( Which went to my XXXX XXXX  Payment on XX/XX/XXXX ) ( About 35 days to process ) {$5.00} on XX/XX/XXXX ( Which went to my XXXX XXXX Payment on XX/XX/XXXX ) ( 12 Days to process ) Which would leave XXXX more dollars I can earn with 8 payments for {$5.00} per re accruing payment for the rest of XXXX that I could earn. 

I have 3 payments they won't send the {$5.00} credit per transaction I made an auto payment for my phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) I made an auto payment for internet/ cable service XXXX that did clear on XX/XX/XXXX. For {$49.00} I made an auto payment for my Phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) However I still don't have the credits added to my account ( $! XXXX ). I do have some screenshots of proof of auto payments if needed along with screenshots of the Walgreens card offer itself.

The Walgreens offer was added to my card was suppose to be good on these re curing payments from XX/XX/XXXX until XX/XX/XXXX. 

I did try to Contact synchrony Bank via Chat on Tuesday XX/XX/XXXX. Spent about a half hour taking with them to get no answer just told me to " call Walgreens customer service " which makes no sense as the credit card, payments and offers are all with synchrony and NOT Walgreens. Please help me get my $! XXXX earned. 
Tried again to speak with a " manager '' On Thursday XX/XX/XXXX ( XXXX XXXX. Employee number XXXX ) he did nothing to help either. Didn't want to hear my issue, and wouldn't provide contact info for consumer affairs department for me to handle on my own. 
Leaves me no choice but to file this complaint If they don't want to pay the money they are advertising they should stop fir this misleading and false program. 
Please advise
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting inaccurate accounts and information on my consumer in which I've previously sent them dispute letters to investigate these accounts. They responded that they are verified and accurate but never provided any documentation of proof. The accounts listed in my dispute never belonged to me nor do I have knowledge of who they are asking to collect debt. Ive reached out to the creditor asking them to verify this debt, which they couldnt. How can I owe them a debt if there was no agreement set in place? I understand that it is Experians duty to do whats fair and equitable for the consumer and it isnt fair that they failed to properly investigate these accounts. Anything thats inaccurate or not verifiable must be removed from my consumer report immediately. Included in my complaint is a new dispute letter in which I ask Experian to thoroughly investigate these accounts and remove anything thats inaccurate or Non verifiable. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2020-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (GA)

A letter dated XX/XX/2020 was sent to me from Creditors Bureau Associates XXXX XXXXCollections division in an attempt to collect debt I owed to XXXX XXXX XXXX XXXX XXXX. This debt results from an XXXX examination that occurred years ago and I never received I bill. While I have paid the debt in full, it is unjust to turn a debt over to a collection agency without first notifying that individual that the debt exists. This hurts my credit rating and justifiably so. I demand that any unfavorable information be scrubbed from my credit report.
Consumer complaint received 2018-01-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (IL)

Sallie Mae has contacted me all day, weekends, and holidays. They have contacted my mother and father more than once. I repeatedly told the loan officer I am still in school and I am still in an internship required by school and I will be submitting paperwork shortly. They are still calling and harassing me
Consumer complaint received 2024-01-17
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)

accordance with the fair credit act # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose delivered to the consumer not later than 21 days
Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On XX/XX/20 this debt collection was placed on my credit report. I have not received any documents regarding this collection, no one as attempted to contact me regarding this account. I have no knowledge of this collection, Whats so ever. This fraudulent account is negatively affecting my credit report.
Consumer complaint received 2018-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AL)

On today XXXX XXXX2018 I was alerted by my credit monitoring that an collection was placed on my Experian report! I did my research and it is the exact account that was deleted and removed due to being fraudulent and not my account. The original debtor states XXXX XXXX and Ive spoken with them and they are unaware as to why this XXXX XXXX keeps trying to collect on something from me when it isnt my debt. I have XXXX XXXX XXXX currently in my home so NO I dont owe them
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-09-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (NC)

I contacted Wells Fargo back in XXXX asking to skip one payment due to Covid hardship related issue. Wells Fargo stated they no longer offer a program to skip a payment and advised options that would not benefit me only benefit themselves such as higher interest rate refinance, etc. After filing an initial complaint with the Consumer Financial Protection Bureau, the Executive offices at Wells Fargo contacted me offering me options. They referred me to the XXXX XXXX XXXX XXXXXXXX and I applied. I was in constant contact with Wells Fargo keeping them updated on the program and was approved for Mortgage assistance. The fund paid WellsFargo on XX/XX/2023 funds to bring my mortgage up to date. I was clearly told by Wells Fargo while involved with this program NO negative credit reporting would take place. I found out on XX/XX/2023 Wells Fargo reported me 2 times to the credit Bureau ruing my credit. Wells Fargo mislead me as a consumer and caused harm to me by their actions. I want Wells Fargo to revoke all negative credit reporting done since I was working with the XXXX XXXX XXXX XXXX  and was approved. Wells Fargo needs to be reprimanded for their actions.
Consumer complaint received 2024-01-17
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. (UT)

A company named XXXX XXXX hired me for a new position, prior to my start date I had to do a few cases to show I was capable for the job. The last case was to purchase cell phones and mail them to their new York office. I purchased 3 cell phones, 2 cells phones with a charge of {$2000.00}, and 1 cell phone with a charge of {$710.00}. and both were shipped to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. They gave me two accounts that were supposedly their business accounts, one to pay off my credit card and purchase one XXXX, the other to pay the credit card I used to purchase the other 2 phones. About a week before my employment start date I realized all payments that were made by my new business credit account to my XXXX XXXX credit card was reversed, and payments made removed four weeks after paying off the card, but also the company was fake. so I lost my job, but they also stole {$2700.00} plus fees from me XXXX XXXX has done nothing to help me these past 5 years. I was clearly a victim of Identity Theft and fraud, which occurred on XX/XX/2018, and was reported to XXXX XXXX XXXX POLICE DEPARTMENT : on XX/XX/18, REPORT NUMBER : XXXX. 

XXXX XXXX reach back and said they couldn't find the receipts/charges. Hello! Because it's a fraudulent account!!!!
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT AND I WAS A MEMBER UNDER THE DATA BREACH FOR XXXX XXXX, XXXX XXXX AND MORE IDENTITY THEFT THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME