davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

In XXXX of XXXX I cosigned a student loan for my brother to go to the XXXX XXXX XXXXXXXX. In XXXX of XXXX my brother passed away, still owing {$100000.00} on the loan. On XX/XX/XXXX I contacted Firstmark Services to inform them of my brother 's passing. On XX/XX/XXXX I paid Firstmark Services {$1700.00}. On XX/XX/XXXX Firstmark forgave the loan. On XX/XX/XXXX Firstmark returned my check for {$1700.00} stating the loan was paid. On XX/XX/XXXX Firstmark removed the loan from my online account. On XX/XX/XXXX I called Firstmark to get the check made out in my name instead of the estate of XXXX XXXX. On XX/XX/XXXX I called Firstmark and spoke with XXXX, there was no update on the check re-issue. On XX/XX/XXXX I called Firstmark and spoke with XXXX, check re-issue under review. On XX/XX/XXXX I called Firstmark and spoke with XXXX, check re-issue was approved and would be sent XX/XX/XXXX. XX/XX/XXXX Received a call from XXXX XXXX XXXX who stated that he was the Assistant Attorney General. He stated that Firstmark did not have the authority to forgive the loan and I needed to make arraignments with him to repay the loan. XX/XX/XXXX Firstmark put the loan back on my online account. XX/XX/XXXX Firstmark cancelled the check and applied it to the loan. On XX/XX/XXXX I contacted Firstmark asking to be released from the loan. They replied no on XX/XX/XXXX. At the time I cosigned the loan I was able to pay it back. I'm now XXXX XXXX XXXX, with medical issues that don't allow me to do the work I was able to do 20 years ago. My brother was making {$120000.00} a year, I currently make {$30000.00} a year. After speaking to XXXX, he said they would settle on the loan if I paid 75 %. For me to pay that I would have to use most of my retirement savings, leaving me nothing to live on for the rest of my life. My other option is to pay the loan for the rest of my life.
Consumer complaint received 2022-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX XXXX
Consumer complaint received 2021-11-28
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2021-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello my name is XXXX XXXX and on XX/XX/2021 I submitted a letter to the credit bureaus requesting that they verify some unrecognized inquiries listed on my credit report. According to law the bureaus have 30 days to investigate and if they do not investigate the items are to be removed from my credit report. As you can see I have been waiting for the investigation results for OVER 2 months. I ask for your assistance in encouraging the bureaus to abide by the laws.
Consumer complaint received 2021-11-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JOHN GIBSON AUTO SALES, INC. (MO)

Hi, the consumer went in back in XX/XX/2020 for a consumer credit transaction with John Gibson Auto Sales. I went in going for a car and left with a debt. I was directed to pay a down payment of 2200 $ in cash and I had a deferred down payment of 500 $ to pay as well in a later date. On top of that my amount financed would be XXXX XXXX This was a violation of my consumer rights pursuant to 15 USC 1605 " the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges '' This was also a violation of consumer rights pursuant to 15 USC 1605 " the finance charge does not include charges of type payable in a comparable cash transaction. They also violated my consumer rights pursuant to 12 CFR 1026.2 ( 18 ) " A deferred portion of a downpayment may be treated as part of the downpayment if it is payable not later than the due date of the second otherwise regularly scheduled payment and is NOT subjected to a finance charge. 

I have also have yet to receive any direction on how to receive any notice in regards to my right to recession. This is a violation of my consume rights pursuant to 15 USC 1635 ( a ) " the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and recession forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later. The creditor should also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION (IN)

A hard inquiry from Truist bank was put on my credit report on XX/XX/year>. A credit card was opened in my name on XX/XX/year> and sent out. Whoever applied for this account received the card in the mail but couldn't veirfy identity so the card was locked. This account needs to be further investigated and how does someone open an account without showing proper identity?!
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX****-Balance {$200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX-Balance {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX****-Balance {$380.00}
Consumer complaint received 2024-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I was in the hospital and just got out. I looked at my acct and noticed XXXX unauthorized transactions {$330.00} on XX/XX/XXXX and {$81.00} on XX/XX/XXXX. I immediately contacted Wells Fargo fraud department and reported. They opened a claim and I asked the representative if I will be receiving provisional credit while they take care of and she said yes we will take care of that. Later i went to pay bills and the money for the fraudulent charges were not credited. 2 more phone calls and hours on the phone they will not credit until after they investigate which is up to 10 business days. They gave me the run around wanting my son who is currently deployed fighting for for our country overseas on a ship and is not available to talk on phone, which I do have POA for and no reason to speak to him it is an UNAUTHORIZED CHARGE on a card that we are not even aware of we have 2 cards neither which match that number and when you look at all out transactions can clearly see that is not one of the cards on our transactions. I am XXXX on limited income trying to pay my bills and can't because if this fraudulent activity and money XXXX aloud to be taken from my acct. I escalated to their executive office and they would not help either i can not wait to pay my bills for 10 days for something that should never happened!
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Consumer complaint received 2022-08-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (TN)

They have this loan in my maiden name which I was married at the time that They say this loan generated. I have no knowledge of this loan, plus it looks like this debt has been sold to someone else.. this is not mine so could you please remove it
Consumer complaint received 2022-07-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

On XX/XX/2022 I sent in proof to chexsystem to provide proof of my identity per there document guide lines a letter from social security office a certified copy of my drivers license and a current utility bill and I heard nothing back from them and my file is still not corrected with my correct personal information
Consumer complaint received 2022-07-24
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: CURO Intermediate Holdings (FL)

XXXX {$130.00} XXXX {$690.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX {$560.00} XXXX {$500.00} I wrote letters and called these companies to have these items removed from my report, has not happened as of yet.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of 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 remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Consumer complaint received 2022-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

They keep reporting a fraudulent account on my credit report. Ive sent multiple letters for disputes they just say verify but they dont send anything prove its my debt. Which its not so I have no idea what to do anymore
Consumer complaint received 2021-12-14
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. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC (NC)

This is a bill from almost 3 years ago from XXXX. I disputed the bill it was found and taken off of my credit report. XXXX credit reporting Agency was the last person to actually buy it they keep selling it to different agencies even though I have disputed it with the credit report and has been removed. This reinsertion is illegal is constant and these companies are incessant they have harass me and I explain to them that the last person who brought the bill also had to remove it its been removed three times and they keep trying to ruin my credit by putting this on there as if I havent paid the bill when in fact I dont alter them any money they took their equipment I could never use anything so they just showed up at my home at a nowhere when I called and canceled they are the ones who canceled it not me I dont owe them anything I never did Ive always pay my bills they keep trying to ruin my XXXX credit score with a three year old {$60.00} bill that I am not going to pay because I dont know its intimidation this is disgusting
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2021 my bank charged me too overdraft charges when no overdraft occurred. I have called them to ask that they credit me, which they did on the one but stated their system would not allow them to credit me the other. As you can see my balance before they charged me overdraft fees was {$270.00}. This printout ( attached ) is what I pulled from my computer. There shouldn't be two balances, what I see and what they see, there should only be one correct balance. And if they are going to use a different balance, that is what should be shown to their customers. Though not sure how there would be two balances in the first place. 

I asked them how they are even able to charge fees when no overdraft actually occurred - according to their records- which I accessed my computer ( attached ) and phone. 

They said what I can see on my phone shows a different balance than what is actually in my account? This is ridiculous, a bank that wants you to do all of your banking via your mobile, doesn't give you the correct balance information? How is one supposed to be able to accurately track their balance information if they don't show you the correct information? 

This isn't the first time they have done this, they have done it numerous times. I think this agency really needs to do more to look into Bank of America 's practices, what they seem to be doing doesn't seem legal.
Consumer complaint received 2021-11-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NH)

On XX/XX/2021 I went to the Amerisave webpage and checked my rate for free. A chat popped up and I said I wanted the offers emailed to me as I didn't have time to be on the phone. They said no and I said ok, I will be looking for another company. about 10 minutes later I got a call from them. I told them I just said I didn't have time for a phone call. He kept pushing and I told him I don't want to use a company that can't take simple instruction and to leave me alone. I told him I would not be using this company. This morning XX/XX/2021 I got an email thanking me for my mortgage application. That never happened! It also said things about my credit report. I most certaintly did not fill out an application and made it clear in writing and verbally I would not be using this company. I also did NOT give permission for any sort of hard credit pull. I want any credit pull wiped and any application they submitted without my approval to be deleted. I also want accountability for breaking federal law in pulling my credit without my permission and for aggressive business practices of submitting an application that I did not fill out or approve of. I also did not make an account and that needs to be deleted as well. They sent a soft credit pull document but when I click it I have to log in. I do not have an account and I can not see what the document says. This must be illegal!
Consumer complaint received 2021-11-13
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. (FL)

XXXX XXXX XXXX refuses to remove the balance of {$33000.00} from my credit report. My XXXX was traded back in XX/XX/XXXX and paid in full by XXXX of XXXX XXXX. I have a paid in full letter from XXXX but they refuse to update and report the balance as {$0.00} to all credit bureaus and this is lowering my score and debt ratio. According to them they will remove this amount in XXXX which makes no sense since the balance is {$0.00}. Very unfair and makes no sense.
Consumer complaint received 2021-11-30
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. (PA)

I have sent in several disputes, FTC 's letters. I have called many times to resolve these issues with the creditor and credit bureaus. I have been told that the supporting documents that I have sent in have been thrown out serval times. There have been re-investigations multiple times with no resolutions it has been well over 45 days I have also ask for verification of how they have validated these accounts and I have gotten no proof and no responses on how the credit reporting agencies have validated these fraudulent and inaccurate accounts at this point I have contacted my attorney XXXX XXXX as he will be representing me on my behalf due to the failure of the deletion and removal of these fraudulent and inaccurate accounts from my credit report as well as the credit reporting agencies absolutely disregarding the FCRA LAW AND CFPB LAW.
Consumer complaint received 2021-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UMPQUA HOLDINGS CORPORATION (FL)

I " purchased '' equipment financed through a company using Financial Pacific Leasing, XXXX XXXX. I believe they call this " leasing '' to avoid XXXX in XXXX Laws, but a brief review of complaints on XXXX show that they are financing, not leasing equipment, which was my experience. I negotiated a price with the company selling the equipment. They then brought paperwork to my office for me to sign. The price was printed, then crossed out, and I was told that the printed price was an error, but the agreed upon price was corrected ad written in by hand. I was told there was no interest as the financing was arranged through the selling company, which was selling used equipment, so that made sense to me. There was no mention of financing fees or interest in the documents. There were multiple places tro sign, all of which stated I was signing under my company name, not personally financing the equipment, which since it was for my company, also made sense. This is except for XXXX line that was sandwiched between XXXX places saying that I was signing as a member or officer of the company. That one line sandwiched in between stated that I was personally guaranteeing the loan, and they didn't have to come after the company for failure to pay, but would rather come after me personally. Of course, with any financial signing, I was told " sign here, sign here, and sign here ... '' Nothing was stated to me pointing out this one clause deceptively placed in the document. Later in the documents, there is an accounting of the payments and how long the payments will be made. I did not calculate this out as I trusted it would accurately reflect the price I was told I was paying. It did not. It was about 50 % more than what I was told I would be paying ( this is the same complaint as all the other complaints on the XXXX ). Now that I can't pay due to effects on my business of Covid, I am attempting to resolve this, and I am told that I still owe more than I originally agreed to pay, even though I have already paid 50 % of the original agreed amount. XXXX says the additional amount is " interest '', and that the amount I agreed to pay was the amount XXXX agreed to pay for the equipment, not what my cost was. When I asked for copies of the documents they had, they could not furnish me with copies of the document showing the original total amount I was to pay. I have this document, but they tell me this is irrelevant, and that the only amount that matters is the payments I agreed to make. They say they are going to repossess the equipment, but that I will still owe the same amount, and that I personally guaranteed the loan, so they are coming after me and not the company.
Consumer complaint received 2022-05-02
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. (TX)

They keep reporting a fraudulent account on my credit report. Ive sent multiple letters for disputes they just say verify but they dont send anything prove its my debt. Which its not so I have no idea what to do anymore