davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

I paid off my student loans in 2005. The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim 17 years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. XXXX XXXX is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX. XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2022-07-31
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: EQUIFAX, INC. (IL)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank You!
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

On XX/XX/XXXX I opened a US Bank Easy Checking account using the promo code XXXX. 
The terms of the offer stated that I must complete recurring direct deposits of two or more that total {$5000.00} or more to earn {$400.00} bonus, and be enrolled in U.S. Bank online banking or the U.S. Bank mobile app within 60 days of account opening. 

I fulfilled these conditions on XX/XX/XXXX, with 2 direct deposits of {$2000.00} each from employer on XXXX and XX/XX/19. 

Per the terms and conditions, the bonus should have been deposited into my new checking account within 60 days of direct deposit verification, and verification of enrollment in e-statements. I fulfilled these conditions, but have not received the {$400.00} bonus.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I was in a forberance contacted the mortage company to let them know i was ready to resume payments and would like to do payment plan on the past due. i received a letter from them said i was eligible for a modification and i would be receiving something with in 30 days. I waited and received nothing so i called again. they said they had nothing on modification. so i submitted application for assistance again. they said i was eligible again would receive something, nothing came. so i again submitted application. now they are threatening forclosure and i have done everything they asked. even tried to send payment that was rejected.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (IL)

I have an inquiry and collection on my credit report. I have not completed an application or ever applied to this company for credit. 

XXXX Inquiry date XX/XX/scrub> 2022 TRANSWORLD SYSTEM INC/Date opened XX/XX/scrub> 2022 2022
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IL)

In late XXXX of XX/XX/2020I started the process of refinancing my home. It took till the end of XXXX to finally close. During this process I was lied repeatedly to about closing costs. When it finally came to close they asked me to back date closing documents so i would be in what they said was a 3 day window of closing that it needed to be signed which I refused to do so they said they would have to change closing date which I was fine with. I got a call from the closing company at XXXX in the morning saying we where to close that day. Never even seen or signed any documents. There was additional undisclosed fees that Ive never seen as well. I talked to XXXX XXXX then boss whos first name was XXXX XXXX XXXX? XXXX. Earlier in XXXX complaining how long the process was taking and he offered Me {$500.00} for being what he called a 5 star customer. He said it would mail 10 days after closing. XXXX nor XXXX will return my calls. Ive been dealing with our local branch and they can not get anyone to call me regarding the matter either. 

I believe that US Bank tried to commit fraud by asking me to back date their documents. 

I have never received the {$500.00} I was promised which I now believe should be more since Ive had to spend my time dealing with all this. Im asking for {$2000.00} to also help compensate for fees that where not initially disclosed.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

They give me a hard time to increase my credit limit a XXXX reason to decline me saying we have given you {$8000.00} in total for both of your accounts and were unable to give you more they told me when I apllied this is no cap that you can request a credir line increases at anytime but they always turn me down for this reason this is horrible this is discriminatory how can you tell me this it doesnt make sense my credit is good and Im a good customer and cant get more from them because they refuse
Consumer complaint received 2020-11-19
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: Nelnet, Inc. (IL)

These accounts were fraudulently opened and maintained. There are 3 discrepancies with account numbers that all begin the same numbers. I've contacted the company and communicated that they were fraudulent. To no avail as the account still reflects on my report.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (IL)

I contacted Chase bank multiples times and visited some of the branchesaround me to notify of the fraudulent activity in my accounts. I described to them of my XXXX payment that i did not approve as other activities. I tried to put a police report but Chase bank would not provide me with one. I notified the chase employees of my situation, and they did not do anything to provided me with any assistance on what steps I should take. The obly response I received from chase was that they did not what to do anymore business with me. I shows the employees multiple screenshots of the unusual things I was seeing in my mobile banking.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony closed my account due to a monthly payment not going through. I have been in good standing since opening my card and this occurrence only happened because I moved and changed jobs which made it hard to keep track of everything. Ive been paying off all my other cards and my credit was at excellent before Synchrony abruptly closed my account. Ive also paid the past due balance and filed an appeal to the account closure. No one has reached out to me about it or addressed it. When I spoke to someone on the phone they said they couldnt do anything about. Ive now been charge 200 % in interest. Synchrony not only has terrible customer service but use coercive tactics to get more money out of their customers. This completely unfair given my payment and credit history. Id like to Synchrony to re-open my account, remove the 200 % interest and get me back to my normal payment schedule. Moving across the country has been difficult alone, this has made this experience XXXX more difficult.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (WA)

I signed up for a US bank credit card. Whenever the bill was due, it tried to take a payment from an old linked bank account that was no longer open. Apparently, the bank made an error and instead of doing a stop payment on this, they allowed it to go through and then returned it. As a matter of fact, they sent me an apology letter and a check in the mail for like {$20.00} to cover any fees the issue may have caused. While I didn't incur any fees, I did lose my us bank credit card account because they shut me down for this.

This is very upsetting for multiple reasons. Firstly, I loved the card and its offerings. Secondly, it doesn't look good on my credit to have a card closed by the issuer. And lastly, I didn't get any of my rewards. Despite meeting the spend requirement for the sign up bonus well before my account was closed and being promised an additional statement credit because one of the call center representatives lied and provided me false information so the manager said he'd apply a statement credit to my account as a customer service gesture.

I ended up not receiving any of my rewards or credits and when my account was closed, I was forced to pay the balance in full. I believe they should've, at minimum, honored the statement credits since I legitimately qualified for it and deducted the amount from my final pay off amount.
Consumer complaint received 2020-05-12
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. (CA)

I am personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as County of XXXX XXXX Family on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXX County Family and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2021 I filed a complaint which was assigned XXXX XXXX. 

Recent correspondence from Wells Fargo advised me that Wells Fargo intended to contact the credit reporting bureaus in accordance with my request. Wells Fargo was to advise the credit reporting bureaus of a errors by Wells Fargo which resulted in the erroneous reporting of my account. I am simply seeking a printed copy of the communication from Wells Fargo to the bureaus and printed confirmation from the Bureaus that my record has been corrected to show no late payment. 

Thank you XXXX XXXX
Consumer complaint received 2022-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

A date this mail was sent : XX/XX/22 Amount the Credit Collection Services claims to collect : {$2300.00} This collection company is trying to collect the debt from me for the compnay XXXX XXXX XXXX XXXX which I've never heard of in my life.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX, has violated my rights. 

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 2020-05-12
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. (CA)

I am personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as XXXX XXXX XXXX XXXX XXXX on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXXXXXX XXXX XXXX and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I purchased tickets to the XXXX XXXX concert on XX/XX/XXXX. Due to the pandemic, the concert date has been continually pushed back. On XX/XX/XXXX, XXXX finally announced that she was cancelling all of her remaining concerts due to her health. We worked with XXXX XXXX and they refunded the money on XX/XX/XXXX. I contacted Barclaycard on XX/XX/XXXX to see why the credit had not been applied to our account and was told it could take up to 10 days from the refund date to post. I waited until XX/XX/XXXX to call back when no credit was applied to my account. On this call I was told that XXXX had not refunded the money despise having a receipt from them showing they in fact did. Barclaycard told me I would have to wait. I requested to speak with a supervisor and was told there was no supervisor present and that I would have to be put on a call back list. Upon asking about an estimated callback time, the rep told me it could take 8 - 10 days to speak with a supervisor. It has now been a full week and I've not received a call back and still no credit on my account. The refund amount is {$600.00}.
Consumer complaint received 2020-05-12
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. (FL)

To Whome It May Consern : This Letter Is regarding account XXXX XXXX  Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (OH)

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquires they are fraudulent and I want to get them removed. 

XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SECURITY FINANCE CORP (AL)

I have repeatedly told this company to stop calling because I am in the hospital. Not only are they calling me multiple times a day, they have called all my relatives and disclosed they were going to sue me and questioned them extensively about my hospital status, which is none of their business. The main person that keeps calling is XXXX.
Consumer complaint received 2020-05-12
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Credit CardXXXX XXXX XXXX XXXX XXXX- Credit Card- XXXX Please block this information from my credit report within 4 business days, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Attached : Identity Theft Report Proof of identity : A copy of my drivers license and Social Security Card Fair Credit Reporting Act Section 605B Police Report Dispute Letter
Consumer complaint received 2020-05-12
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)

To Whome It May Consern : This Letter Is regarding account XXXX XXXX Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2020-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (LA)

I had fraudulent charges that were acknowledged by Paypal and XXXX XXXX. In the ammounts of. 

XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} XX/XX/2020 {$1000.00} When I originally reported the money being withdrawn from my XXXX XXXX checking account from paypal. I notified Paypal and they assured me the fraudulent charges would be reversed. The last 2 {$1000.00} charges were still pending when I made the report. These funds were reversed. It was noted by the paypal employee that I had nothing to worry about and the remaining {$3000.00} would be reimbursed even though the funds had already been fraudulently withdrawn from XXXX XXXX. Paypal continues pestering me and claiming that I was reimbursed twice and they want the {$3000.00} back. I have provided bank statements as requested and also called them 3 way with my bank to notify them that I was not reimbursed twice.
Consumer complaint received 2020-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

Due to Covid 19 I am out of work.

Specialized Loan Services will let me skip three months of payments but on the fourth month, ALL FOUR months are due.

I do not think they are Federally backed and do not have to follow the new guidelines. 

I think. 

What can be done if they are not Federally backed? Am I just up to their whims? They bought the mortgage and I have no say.