davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
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. (NY)

I was hit randomly with 2 hard pulls from XXXX  XXXX On XX/XX/2019, XX/XX/2019. I never applied for anything with there bank or signed anything with there bank. I have explained to them this is fraud and that they were going to look into it. Under the fair credit act the 30 days has been up. I was told from talking to customer reps that since I did not approve my credit to be pulled that this must come off my credit file to all the credit agencies reporting. Since this is fraud. I am looking for someone to please help the situation.
Consumer complaint received 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (MO)

On XX/XX/XXXX I enrolled in a program for XXXX at XXXX XXXX. Due to personal reasons I was forced to switch to the XXXX XXXX program and was still charged for XXXX classes. 
There was a very poorly handled situation with this program and I was forced to transfer to XXXX XXXX XXXX program on XX/XX/XXXX. I graduated from this program in XXXX. Although I did receive a certificate I have not been able to find work in this field. Employers see my certificate and know it is just that - a certificate. 
XXXX has no record of my enrollment in XXXX, but I was charged for a XXXX  class on my transcript. 
I believe that I am being charged for the XXXX program that I was not allowed to finish. The average tuition at the time was {$11000.00}, but I was charged over {$18000.00} and now have over {$20000.00} in outstanding Federal loans. 
The program education was not accredited and the credit hours were not transferable, of which I was not advised and the instructors rarely showed up for class. I never received any hands on training in the field, and subsequently was never able to find a job in the field. 
I never wanted to be a XXXX XXXX XXXX, but did want to be an XXXX   XXXX instead. In my opinion, XXXX XXXX has put me in a position of debt that is totally fraudulent. 
In XXXX I began trying to reach out to obtain transcripts from the program and while I received the transcripts it still does not explain why I was charged for classes for a program that I was not allowed to complete. 
I also submitted a letter to the US Dept of Education on XX/XX/XXXX and was never informed of the progress of my complaint.
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (FL)

on XX/XX/2018, i started receiving letters from XXXX XXXX hospital regarding a medical bill that is not mine. i got a derogatory remark on my XXXX credit report stating i owe over 9k on medical bills. i would like to address this immediately and either pay off this debt or get this negative remark removed from my report
Consumer complaint received 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

Called inXX/XX/XXXX for initial information on repayment and was told to put in forevearance for 2 years.

Called in XX/XX/XXXX, was told to start paying or go back into forevearance, and I did not have other options. Went into forevearance. XX/XX/XXXX received calls once a week for about 6-8 month stating my loans were defaulted. Through several calls back and forth, Navient finally reversed and put into the forevearance state the loans were recommended by them to be in.

Called in XX/XX/XXXXto go over repayment options, was offered IBR, but was still expensive for me with paying private loans. I asked if it takes into consideration my mortgage, car payment, and other student loans. The answer was that it is already factored in off of my taxes which is not true. I was pushed into forebearance again. 
Finally called last week, asked for REPAYE or PAYE options, was told I dont qualify but was not explained why. Again said that with private loans, mortgage, car, insurance etc I can not afford what is being offered, but PAYE or REPAYE would work. I was told this was not an option and I could defer or consolidate, and when asked I was told consolidating loans will not disqualify me from any loan forgiveness options, which is not true.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous.The XXXX and TransUnion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item asunverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on mycredit report. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$55000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: O&L LAW GROUP, P.L. (FL)

O and L Law Group have garnished from my salary because of my debt, but refused to give me satisfaction of writ of garnishment.Until now this law group had continued to garnish money from my salary for another account that had been dismissed from the court twice.I hope you can help me resolve this situation.
Consumer complaint received 2019-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a certified letter to TransUnion dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. I waited 34 days to verify TransUnion violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. I sent another certified letter to TransUnion stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to TransUnion, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. TransUnion has disregarded my proof of the violation of law and refuses to remove this trade-line.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX, an online retailer, has me opening a XXXX Credit Card XX/XX/XXXX and closed XX/XX/XXXX. They also have an account with my name on it XX/XX/XXXX and closed XX/XX/XXXX. I have never charged on this account as I have never had a card. I have called the company to have them delete a wrong account a few times and they said they would, but they have'nt I've called their home office XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX is XXXX. I also want to know why my scores are different from each report. I call and no one can tell me why my points dropped.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Global Credit & Collection Corporation ()

I had a XXXX credit card debt for {$1800.00} to pay to the collection agency after tons of calls, letters and text messages. 

I took a loan of {$1800.00} from a loan agency on XX/XX/2019 to pay off this loan and i was told by the by the loan agency that the payment will be sent to the collector and reflected on my account by XXXX XXXX, and just incase i need to call my debt collector for a settlement letter i should do so after XXXX XXXX. 

I have been calling them from XX/XX/XXXX uptil this date no answer. Each time i call the XXXX-XXXX phone number, it does not ring but goes directly to voicemail and ask to leave a message which i never get a call back. I dealt with a lady named XXXX who called and texted me atleast 5 times a week to discuss settlement. There was a direct XXXX line which we used to communicate but the number will not go through after payment. 

I even called the Loan agency to find out what was going on and they gave me all references to payments made to the debt collector in 2 installment ( {$120.00} XX/XX/XXXX and {$1700.00} XX/XX/XXXX ). I looked online and not a single review was positive Please i need help on reaching this collection agency so they can tell me when my release letter will be available. 

Thanks
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (NJ)

I purchased a vehicle in XXXX of 2018 and acquired a loan through BB & T. 

After noticing a {$2500.00} warranty was added to my contract that, I did not want, I contacted the dealership and they deducted the {$2500.00} warranty cost off my contract and resubmitted the loan information to BB & T. 

My credit report now shows that I have two open vehicle loan accounts with BB & T : The original loan for {$35000.00} that should have been voided. 
And the current loan that has a balance of {$29000.00}, which is the correct loan that I am currently paying off.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (NJ)

on about XX/XX/2020. {$2500.00} was send to me by my sister from the XXXX XXXX to AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INCXXXX XXXX XXXX XXXX XXXX XXXX Code : XXXX. The money was never deposited it.
Consumer complaint received 2019-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (IL)

1.Americash is consistently raising my interest rates and bi-weekly payment amounts.

2.They did not disclose that i can't take a loan out if i had a current loan with XXXX XXXX in XXXX, Illinois. 
3.I sent Americash an email revoking my wage assignment. 
4. Americash called my employer on XX/XX/2019 and left a collection message. 
5. Americash called and threatend me on XX/XX/XXXX that they had left me 2 messages, they were upset that i could not take their call during business hours. 

I was not aware that they would demand 2x the amount due in a bi-wkly payment if i missed a payment. 
I am in heavy debt with 2 installment loans with Americash and  XXXX  in XXXX, IL
Consumer complaint received 2021-04-23
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: JPMORGAN CHASE & CO. (MS)

I attempted to return an item purchased in accordance with the return policy as it was the wrong size. The merchant " XXXX XXXX '' agreed to the return ; has not responded nor issued the refund. I disputed the charge with Chase and included all the documentation and correspondence and they denied the dispute.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX.

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

Accounts to be Blocked : XXXX XXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXX ) XXXX. ( XXXXXXXX XXXX XXXX Account Number : XXXX ) XXXX. ( XXXX, Account XXXX : XXXX ) XXXX. ( XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) Inquiries to be Blocked : XXXX. ( XXXX, Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX ) XXXX. ( XXXX XXXX Date : XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX, Date : XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX  Date : XX/XX/XXXX ) XXXX. ( XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX ) XXXX. XXXX XXXX Date : XX/XX/XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures : Proof of identity Trafficking Documentation
Consumer complaint received 2021-04-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV INC. (FL)

We are a small Girl Scout Council in XXXX, XXXX Our credit card processing company recently changed from XXXX XXXX FiServ ( XXXX mandate ). That happen about mid XXXX. Ever sense that time frame FiServ has depositing our funds for council service fees into our main checking account then taking it back out the same day or the day after. Leave us with {$0.00} per {$7.00} transaction. Our AP person finally noticed the issue in XXXX. I contacted our FiServ contact manager about the issue both in email for in voice mail weekly and never received a response. I finally manage to catch him on the phone mid XXXX. He did some research and said we had to fill out a different form. That the info we had submitted was incorrect and their credit dept had put a block on our account. We submitted the requested info. 3 more weeks went by and the issue kept happening. I contact our support person at FiServ again and he spoke with his credit dept and they claimed that things were just taking longer than normal. It has now been 5 weeks since we submitted the change form. The issue is still happening. Nothing makes a difference. I have made a complaint to XXXX as well and they too never respond or deal with the issue.
Consumer complaint received 2021-04-23
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: WELLS FARGO & COMPANY (ME)

Wells Fargo Student Loan Department. I have been a Wells Fargo name customer since I took out student loans in XXXX and during that time, I have made all my payments ontime, even when struggling financially, I never missed a payment, 24 months plus. When Covid-19 hit, I took a furbance as I lost my job and after the 6 months, I applied for the 2 extra months Wells Fargo offers in general. I was accepted online but then got wrongfully declined and a letter was sent to an old address. XXXX of XXXX. NO email or call was made to me, and this has been confirmed by Wells Fargo, which is not their protocol and they admitted it was an error on their end. When the payment didnt come in, Wells Fargo did NOT call me, OR email me alerting me of this ( which is protocol for them ). This has been confirmed on a phone call and a case that I filed with Wells Fargo. 

At the time of the late payments ( XX/XX/XXXX-XX/XX/XXXX XXXX, I was under the impression that I was in forbearance, the moment of finding out I was late 2 payments, I paid everything in full and also paid the future payment, to be on the safe side. The missed payments are not a honest indicator of my actual credit worthiness NOR my co-signers. I hope that Wells Fargo is willing to work with me on erasing this mark from my credit reports and my co-signers. My credit and both of my co-signers credit were hit incredibly hard from this error on Wells Fargo 's end and now I can not refinance my loans due to their mistake. A case was opened and fault was admitted but they will not wipe it from my credit report nor my co-signers. 

I am in the process of buying a home, and with these negative marks on my credit report, it dropped my score and my co-signers score 200 points. This does not represent my co-signers credit nor mine.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

We were discharged for bankruptcy in 2012. It shows up on our credit report and its been over 7 years. It needs to be removed after 7 yearsXXXX XXXX hasnt done it. Another credit bureau removed it why not XXXX It makes no sense. They want this to remain on the report for how long.
Consumer complaint received 2021-04-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO Bank, N.A. (IL)

- Loan Payoff check in the amount of {$11000.00} issued to BMO Harris Bank on XX/XX/2021 - A XXXX tracking receipt, # XXXX showing that the check was received by XXXX XXXX on XX/XX/2021 and signed for at the front desk by a person with the last name of XXXX I received loan delinquency notice on XX/XX/2021, followed by several harassing collection calls from XXXX XXXX in the weeks that followed. During each phone call, I explained to that person that they had the check and provided them with the check number, amount, and the XXXX tracking number showing that they had received the check. I received a second loan delinquency notice on XX/XX/2021, followed by the same harassing phone calls in the weeks that followed. 

I faxed a copy of the check and XXXX tracking receipt to XXXX XXXX, as directed by XXXX XXXX on XX/XX/2021. I emailed the same ( check copy and XXXX tracking receipt ) to " XXXX '', as directed by XXXX XXXX on XX/XX/2021 and on XX/XX/2021. 

Despite all of the above, and assurances by each XXXX representative that they would correct this situation, I still receive daily phone calls from BMO collections people ( latest was this morning at XXXX ) advising me that my loan is delinquent and that I would be reported to the credit reporting agencies if it remained delinquent on XX/XX/2021 - until I explain the situation to that person the situation, and then advised that they would be resolving the issue. 

The loan payoff issued as actually an overpayment of {$480.00}. XXXX XXXX actually owes me a refund.
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WV)

I received notification through credit monitoring that a debt collection from Jefferson Capital Systems was reported on XX/XX/XXXX in the amount of {$700.00}. It originated from XXXX. I called the company and learned it was from XXXX XXXX, had been turned over to debt collection in XXXX of XXXX, and was being pursued for collection with a letter having been issued in XX/XX/XXXX. They can not tell me what the debt is for aside from a phone number not used by any member of our household unless it was a hotspot number. I called XXXX XXXX on a local level. The manager could not, nor would assist. I called XXXX XXXX 's billing department. They could not, nor would assist, aside from providing me with this telephone number for resolution. I called Jefferson Capital Systems again. No assistance, but did file the account as disputed. I've also disputed with XXXX  and XXXX. 

I left XXXX XXXX due to billing issues that arose from their change in billing systems in XXXX. It was a widespread issue that affected many. One month your balance is {$0.00}, the next {$900.00} and overdue. I resolved the issue in store, went straight to XXXX with a {$0.00} balance from XXXX XXXX and terminated my services. The store manager was directly involved and knew I was terminating the account due to the lack of reliability and best business practices of the company. I've also reported to the XXXX. Note, the company 's score is 1.9 of 5 with hundreds of complaints registered. 

After six years of having no issues, no contact, and no supporting evidence of the debt owed, I believe this is just shy of criminal behavior. I would like this removed from my credit report immediately. Not listed as a charge off. Dismissed. Erased, Gone. 

The staff of both the collection agency and company are of no assistance and can provide no details. Again, the contract was terminated in XXXX after having been a customer since XXXX. I have maintained the same cell number throughout the years, and continue through today. 

Also, I will note that during Covid, I was being called and harassed by credit card collections for accounts not even in my name. They were calling me due to an old residence that my husband and his cousin had shared in the past. Because companies could not reach the cousin 's wife, they were calling myself and my son for information. I've never even met this woman. 

It makes this recent collection all the more suspicious and unnerving. Therefore, I've locked my credit in fear of fraudulent activity. This is impacting my ability to apply for a job. Quick resolution is of the essence.
Consumer complaint received 2021-03-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I SUBMITTED MY DISPUTES LAST MONTH AND STILL HAVEN'T HEARD BACK FROM THE CREDIT BUREAUS