davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: WELLS FARGO & COMPANY (MN)

About halfway through my program, while registering for XXXX 's summer semester, I was informed by the financial aid office that my original federal XXXX loans did not in fact cover my balance, and I would need to come up with roughly {$7400.00} to pay for the remainder of my program. My now deceased grandfather cosigned on a personal loan from Wells Fargo, and financial aid assured me all would be covered. This was a lie. Fall semester XXXX ( prior to completing my program in XX/XX/XXXX ) I was now informed by the financial aid office that there would be an additional balance of {$1200.00} or so. Wells Fargo would not allow me to increase my balance, nor add on an additional loan to pay for this remaining balance. As a result, while I continued to make payments to both XXXXXXXX XXXX and to Wells Fargo ( as I was forced to begin payments immediately while I was still XXXX XXXX XXXX ), XXXX withheld both my transcript and diploma. The school has since declared bankruptcy and permanently closed, so I am no longer to receive what I earned.
Consumer complaint received 2021-03-18
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 previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks you
Consumer complaint received 2020-12-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America I did a transfer through Bank of America and asked them to cancel that transfer since it's a fraud ; I've called the 5 times, the first time the assistant transfer the money from my saving to my checking and tell me it has been credit ; The second time I've been told the transfer will be cancelled and the money will be back to my account in 24 hours ; The third time I've been confirmed it would be cancelled and back to my account in 1 to 5 business day. 
The forth time I've got same answer with the third The fifth time, I've been told I have to wait for 30 business day and the manager abruptly hang up. 

After 5 days delay, I've lost my money.
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX HAS PUT A COLLECTION ON MY CREDIT REPORTS THAT I PAID IN FULL PAID XXXX XXXX XXXX PAID THIS DEBT IN FULL TO XXXX XXXX. XXXX XXXX XXXX SAID IT WAS CHARGED OFF AND I DON'T KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL I AM NOT XXXX I KNOW THE DIFFERENCE BETWEEN CHARGED OFF AND PAID IN FULL. I PAID THIS DEBT OUT OF MY HARD EARNED MONEY IN FULL HAVE TALKED TO A LAWYER AND THE POLICE THE THEY SAID THIS IS MOST LIKELY A SCAM
Consumer complaint received 2019-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (IL)

On XX/XX/2019, I transferred ~ $ XXXX from my bank account in XXXX to my citi bank account in XXXX XXXX XXXX XXXX, XXXX, Il, XXXX. This is the third time in two years I have been transferring money from my XXXX bank account to my Citi bank account as I am a current XXXX student and I need to pay for my tuition ( the bank obviously knew that ). This money transfer triggered a reaction where Citi decided to close my bank account. They never informed me about that! Nor did they inform the branch! I only found out about it after one of my rent payments bounced back. 
Ever since that day, it has been over a month (!!! ) now, I HAVEN'T RECEIVED MY MONEY. Citi have decided to " send me a check with my money ''. But, this is in fact not true. 
On XX/XX/XXXX I tried reaching my branch, while I was still in XXXX. The branch couldn't help me and told me to talk to customer service. I did so, and they told me to talk to my branch. On XX/XX/XXXX I walked to my branch and talked to XXXX XXXX, a personal banker in the branch. She couldn't assist me and told me that she had nothing to do but that she would check it and give me a call. Citi HAVE NEVER EVER CALLED ME OR INITIATED REACHING OUT TO ME AT ANY POINT OF THIS 1-MONTH HIDEOUS PROCESS. XXXX never called me back and customer service couldn't help me. I then approached the branch XXXX, XXXX XXXX, who also told me that he can't help me and that my account was closed and he can't do anything about it. 
Both XXXX and XXXX told me that they have nothing to do and that the check with my money was sent to me and it'll arrive in 14 business days. 
At the same time, I had to ( and still have to ) pay my credit card debt due- XXXX couldn't understand why I can't pay the amount due ( because I don't have a bank account ) and, again, didn't offer to help me with handling with the credit card department. 
The 14 business days have past, I never received my check- I called Citi customer service, they told me that it should have taken 5 business days ( the branch personnel lied ) and that they will send a new check. The 5 business days have past and I called customer service again- and they told me that actually the check was NEVER SENT and that I should talk to the fraud department as my file is still under investigation. I called the fraud department, they said that they can't help me. 
At this point I really lost hope and I am not sure what to do anymore. All of my money in the world is held hostage at Citi and NO ONE can help me with that at Citi. It seems like they all lied throughout the process and promised me things that are wrong, moreover Citi have never ever called me/e-mailed me or anything. 
This is a pain, this is frustrating and I wish that someone can help me with that.
Consumer complaint received 2020-12-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$21000.00}, {$11000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- XXXX ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: ID Analytics, Inc. (NY)

Two weeks after purchasing a car I received a random letter in the mail from XXXX XXXX. This letter informed me that, after receiving information about my credit score, I would not be able to be approved for a loan. It went on to show that XXXX and XXXX have my credit score at XXXX ... ... and " XXXX XXXX XXXX '' have it at XXXX. This is an absolute scam. My credit score has NEVER been below 800 in decades. I then found online that XXXX has done this exact thing to numerous consumers with page after page of people getting the same results and letters in the mail. XXXX XXXX XXXX is obviously a SCAM and should be thoroughly investigated.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

Equifax credit bureau has me as deceased. I am alive and well. All of my accounts are listed as closed and Consumer deceased. I am not deceased. I have proof. I am alive I am writing this complaint on my computer. Can you please have Equifax reinstate my account as open and being paid. thank you
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

I bought a house on XX/XX/2020 and Freedom Mortgage was the mortgage company. I put a down payment of less than 20 % down on the mortgage and they added the XXXX Mortgage XXXX ( PMI ), which is standard. After some appreciation and paying the the principal balance, this past XXXX I had an appraisal down and found my balance was over 20 % of the appraised value. I contacted Freedom Mortgage and they kept passing me around to different departments, and with different excuses so they did not have to offer me a solution, including that I had to have the PMI for 2 years ( which I didn't not see in the executed mortgage documents. I finally was told that the department that I needed to contact did not have phones to take calls!!! But they said they would send my information to that department that would get back to me. I later received a form letter saying that unless I made an improvements to the property ( which I didn't ), that I wasn't able to eliminate the PMI fee. I contacted them again 3 times and I received the same letter, until the last time I was told my account was under consideration to have the fee waived, and I would get an answer in the mail. 1-2 weeks later, I received the same form letter. 

This time, I am talking to Freedom Mortgage while typing this complaint and they are telling me there are guidelines required by Fannie Mae and XXXX XXXX saying this PMI can not be removed for 2 years. 

I feel trapped with nowhere to go. I am over XXXX and believe this may be happening to several people. I want them to do an approaisal at my expense and eliminate this " free '' money they receive.
Consumer complaint received 2019-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ). This was the explanation provided on XXXX XXXX XXXX website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for XXXX XXXX. I do not understand how this is not predatory lending. XXXX determined the amount I could afford each month and that is how much I pay. I should not be penalized for making timely payments that they established.
Consumer complaint received 2019-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union Keeps trying to get me to pay for my annual credit report. If I try to get free annual credit report it keeps saying that an error occurred. I can't even view my disputes! This has been over a year!
Consumer complaint received 2020-12-05
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. (VA)

I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX  at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.
Consumer complaint received 2019-05-03
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. (NY)

I needed to go to the doctor. I contacted XXXX XXXX to schedule an appointment with my primary care doctor to get a XXXX shot. The representative who answered advised me to go a closer office. I went to the office on XXXX XXXX as directed. My insurance company, XXXX, did not pay the bill because the doctor who saw me was not my primary care physician. XXXX XXXX then sent the bill to collections due to non payment. It was later determined that this was an error on the part of XXXX XXXX. They corrected the issue and the bill was subsequently paid by the insurance company. 

This office visit took place on XX/XX/2017. At that time, my credit scores for TransUnion and XXXX  were XXXX and XXXX respectively. Since this item was incorrectly transferred to a collection agency, my score dropped to XXXX and XXXX. Since this was an error and was not my fault, and has been rectified, I believe that my score should be restored to where it was before this error took place.
Consumer complaint received 2019-05-06
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: Experian Information Solutions Inc. (CA)

I first disputed a repossession on my credit report with Experian XX/XX/2019. I was unsatisfied with the results from their investigation saying verified so I attempted 2 more times to dispute the accuracy of legality of it's presence on my credit report. However, within days their investigation was again complete. So I sent certified mail asking them for debt validation. By the 15th day they did not respond and instead opened up another dispute. I am fed up. I am a single mother and still can not buy a car. They are stalling taking off this negative account from my credit report for no reason. I called and spoke with a dispute supervisor from Experian by the name of XXXX for 40 minutes on XX/XX/XXXX. He informed me that I mailed my documentation to the wrong address and that they never received the debt validation letter I mailed on XX/XX/2019. I informed them I mailed the letter and documents to them via certified mail and it was delivered by XXXX tracking number XXXX on XX/XX/2019 at XXXX XXXX signed for by Experian representatives. I am disappointed, but most of all appalled by their negligence to follow the FCRA 611 section a ) Which clearly states all unverified accounts must be removed from credit reports. Experian is violating my rights and this is not okay.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the account numbers are inaccurate. This ground for removal theyve also violated my rights under 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 Bankruptcy shows different on all XXXX credit reports : Please see screenshots attached Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX Accounts Previously Disputed via US Mail XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX Also, the Credit Bureaus took more than 30 days to complete my investigation and also update my personal information such as my last name due to getting married, mailing address and employer. Here are the tracking XXXX tracking numbers. Equifax XXXX, XXXX XXXX, XXXX XXXX My name changed from XXXX XXXX XXXX to XXXX XXXX XXXX. Ive attached my marriage license. In my dispute to have the information updated the credit bureaus has yet to update my name and still have my previous last name XXXX XXXX of which my maiden name XXXX was restored by the XXXX XX/XX/2009. XXXX is still showing on my credit report. Lastly my only address should be XXXX XXXX XXXX XXXX, Florida XXXX and not all of the others of which I sent in a written dispute to have my current address updated and all outdated/unknown address removed. Since my dispute the credit bureaus has added 2 additional address and have failed to update my address. Please see the attached screenshots showing proof of delivery of disputes via US Mail.
Consumer complaint received 2020-12-06
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: Resurgent Capital Services L.P. (CA)

Ive disputed items on my credit report with XXXX  after contacting the collection company. The collection company never sent documents to me proving that I owed them anything. There is not a signed agreement or contract between me and the collection company. There is no cancelled checks. They dont have a copy of my state ID or anything proving that I owed a debt they are demanding that I pay. By law, contracts and or agreements with valid signatures are required to show that someone owes a debt. Bylaw, credit bureaus are required to furnish what they used to validate accounts on our report. XXXX never sent me anything showing how items on my credit report were validated not verified or certified. Their actions and the collection company actions violates the FCRA. I will pursue legal actions against both companies if those items arent deleted from my report immediately. They will be required to pay {$2000.00} for each item incorrectly reported on my account. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b )
Consumer complaint received 2019-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (GA)

I recently noticed a collection account listed on my credit reports from Transworld for {$310.00}. I am not aware of where this collection came from and I am requesting debt validation. Please provide copies of a signed contract and copies of billing transactions to validate this debt
Consumer complaint received 2019-05-03
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: CURO Intermediate Holdings (LA)

This was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else