davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Fed Loan Servicing has the incorrect amount of on time payments made to the Public Service Forgiveness Plan. There was a different loan servicer before them, and when they went to go back to certify my payments they are coming up with a much smaller number of payments that I have made. Despite the fact that previous loan servicing agencies already verified this information. In fact, I have been waiting 6 months to hear some response on my complaint to them. Every time I call they say they are still waiting to hear from various lenders. I should be right around 110 on time payments on both loans. They are so off that they have different amount of months of on time payments, for the two different loans. The problem is that I make one payment each month and it is split between the two loans, So, the two loans should not have different amounts of months of on time payments. Everything was accurate, until Fed loan servicing came in and and started reverifying payments. The expectation is that they go off of the amount of on time loan payments originally reported to them when they first got the loans. These other loan servicing agencies have no reason to lie about payments, and therefore what they originally gave to Fed Loan Servicing should be honored. They are asking some of these loan servicing companies to go back almost 10 years, and I don't think the records are there to support them going back that far. The bottom line is that the number of on time payments should be honored by Fed Loan servicing..
Consumer complaint received 2021-06-25
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. (OK)

XX/XX/XXXX I received a credit update on my XXXX XXXX account. I received a hard inquiry from a finance affiliate of XXXX XXXX called XXXX XXXX XXXXk. I inquired with Transunion ( who is the only agency with this reported ) and XXXX XXXX about getting this removed. 

I was later a victim of identity them by a person in Louisiana. They went to two different XXXX  stores in XXXX XXXX and then in XXXX Louisiana to try and get some financing using my identity. Those inquiries were immediately resolved unlike the XXXX XXXX. 

I immediately put a fraud alert on my credit account. 

I filed a police report on XX/XX/XXXX with the XXXX Oklahoma Police Department. Case number XXXX. In early XXXX XXXX XXXX XXXX sent me a package that required me to send proof of Identity and the police report. In later XXXX XXXX XXXX XXXX sent a letter reply confirming the belief that I was a victim of Identity Theft. The letter also said it could take 30-60 days for my credit to update. 

My score did not change after 30 days so I contacted Transunion to confirm that they received a removal request from XXXX XXXX XXXX. They said they did not receive anything. I then contacted XXXX XXXX and they could not confirm that a removal request was sent. So, they sent another one in XXXX. 

I waited 60 days this time and still no change. I contacted XXXX XXXX XXXX and sent them a letter. They received my letter and " expedited my request '' on XX/XX/XXXX and confirmed they they indeed contacted Transunion on XX/XX/XXXX about the removal request. They again stressed that it would take up to 60 days. 

I requested that their fraud department send me the letter so that I could send it to Transunion. They were adamant that they could not send me a letter. 

It is now XX/XX/XXXX, almost 2 months since XXXX XXXX claimed to have sent a removal request to the credit agency. I contacted Transunion 's Fraud department and they still say they have received no such request. They asked that I send the police report, 2 forms of ID, and a letter requesting the removal. I sent the letter with the requested information at XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

Hello, On Friday, XX/XX/2021, I received emails that someone by the name of XXXX XXXX was added to my account and initiated a wire transfer for {$18000.00} that I did NOT authorize for this person. I don't know who this XXXX XXXX person is and have never heard of him, this is a very cruel and vicious act he has done to me. I immediately called Wells Fargo Fraud department and asked them to stop this transfer and the representative was very nasty to me and told me to go in the branch and verify my identity and I asked to be transferred to a manager or supervisor and she hung up on me, I was begging her to stop this, and it is on the recorded call from Wells Fargo, had she stopped this transfer this could have been prevented. I even told the representative to look at my account history I would never deplete my account and send someone my entire savings, this is clearly FRAUD. I have always trusted Wells Fargo due to previously when I have traveled, they have called and verified activity on my bank card and ask me if I was traveling, they have always been very thorough with detecting suspicious activity. I have been a customer with Wells Fargo for 23 years and nothing has never happened to me like this before. The Fraud Department tried to do a recall from XXXX XXXX, but they stated the money was gone and there was nothing to recoup. I have been saving that money for the last 6 years to purchase a home and I am devastated. That transfer cleaned my account out, they even took my job check that was deposited on that Friday, I can't pay my bills nor buy any food. I really need someone to help me because I don't know what I am going to do and help me get my money back. Wells Fargo is stating the money is gone and there is nothing they can do, this is so unfair, and I know something can be done I need my money back, I cant take a loss, can someone please help me. I can also be reached at XXXX. I have also filed a police report # XXXX. I am in a dire situation with needing my money back in my account. 

Below is the transfer information : wellsfargo.com Your Wire Transfer is being processed You recently submitted the following transfer : Transfer details To account XXXX From account XXXX Amount {$18000.00} Send on XX/XX/2021 Description New car Confirmation number XXXX If you did not submit this transfer, or if you have questions, please call Wells Fargo Online Customer Service at XXXX. We are available 24 hours a day, 7 days a week
Consumer complaint received 2020-08-27
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. (CA)

THIS IS A NON-RESPONSE. 

STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products.
Consumer complaint received 2022-09-20
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. (TX)

I recently ordered my consumer credit file from Transunion, XXXX and XXXX and notice these late payments with XXXX XXXX XXXX XXXX XXXX  # XXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CO)

Chase bank closed my account without any notice. They refuse to tell me why they closed my account. They would not give me any money on Friday, I asked for {$100.00} and I have about XXXX  in my account, they would not give me any money.
Consumer complaint received 2021-06-25
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. (AL)

Yes my name is XXXX XXXX and I am a victim of identity theft I sent in a dispute letter asking for proof of the account showing under my credit report thats not mines and never heard anything from them I also spoke with somebody XX/XX/XXXX asking for disclosure they have record of to prove those accounts are mines a guy told me they dont have anything to prove those accounts mines so thats a violation there Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand lthat you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. they told me they dont have proof they just go by what the creditors say but Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. They choose to remove the fraudulent accounts they dont have any documentation to show me that those accounts are mines and I have proof of that I also sent in a ftc report they told me it was fraudulent got a XXXX email saying they want remove the account they never told me why and want tell me why something need to be done about experian
Consumer complaint received 2020-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Dear Executive office ; How are you doing during this pandemic? I'm sure during this pandemic we all got affected tremendously, however, I was shocked and surprised to find out the late payments remark on XX/XX/2020 for 30 days. I found that when I was reviewing my credit and on my credit report between the 3 bureaus, it keeps showing different information. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-06
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: EQUIFAX, INC. (TX)

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

It has come to my attention that there are errors on my credit report. In the account XXXX XXXX XXXX XXXX XXXX Case law in XXXX XXXX XXXXXXXX XXXX, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it.

I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. 
I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. 
I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. 
Please make the requested corrections on the following account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (AE)

PNC will charge overdraft fees on transactions that are pending, even though sufficient funds were available at the time of a cash transaction is made later, saying the cash transaction is instant causing all pending items to be consider overdrafts, causing them to all have {$36.00} fees. 

For example, I had 4 pending transactions, I then made a cash overdraft transaction. 

Balance {$100.00} : Transaction 1 : {$20.00} 2 : {$15.00} 3 : {$10.00} 4 : {$10.00} The available balance is now {$45.00}. But the transactions are still pending. 

I then, overdraft as a cash-ATM for transaction for {$120.00}. 

PNC will then immediately charge an overdraft for all 4 pending transactions and consider the {$120.00} transaction as the first/immediate transactions. 

This is wrong, and consumers should not have to constantly check which items are posted and if pending. Transactions should be debited/credit in the exact order they are made, especially in cases of overdraft fees to protect consumers. 

What should happen is that I should have been charged an overdraft fee ONE TIME for the overdraft of {$120.00}. Not 5 overdraft fees because items were pending. This is also contradictory because if items are pending then my available balance should be higher and should not reflect the pending items since they are pending.

PNC is abusing their power for overdraft fees and if the CPFB continues to allow this, you they will continue to let banks profit on low income consumers and those who may be going through difficult times. This type of charging is predatory. Yes, I agreed to overdraft protection but I agree to transactions I actually overdraft. No transactions I made when I have an adequate balance. 

Please help and fix this greedy practice in banking and general and within the regulations.
Consumer complaint received 2020-07-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX XXXXXXXX {$640.00}
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

FRAUD EQUIFAX CREDIT BUREAU LOCKED MY CREDIT REPORT WITHOUT MY PERMISSION AND SENT NOTICE TO OTHER 2 BUREAUS XXXX OR XXXX  TO BLOCKED MY CREDIT REPORT. AFTER SENDING NOTICE TO UNLOCKED MY CREDIT REPORT FRAUD EQUIFAX CREDIT BUREAU DIDN'T UNLOCKED MY CREDIT REPORT BECAUSE THEY ARE FULLY FRAUD CREDIT BUREAU.
Consumer complaint received 2020-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I used Paypal to pay for a reservation with XXXX on XX/XX/2020. Reservation was cancelled by host on XX/XX/XXXX. XXXX offered full-refund as service was not received, but they say I was never charged. I was. Opened a claim with Paypal. Paypal closed claim because they say I received service. So XXXX agrees I never received service but says I wasn't charged. Paypal agrees I was charged but says I received service. Documentation provided to all. XXXX has sent a refund of $ XXXX stating that's what I paid. I paid {$360.00}. I am still owed {$300.00}.
Consumer complaint received 2020-07-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (NC)

Back in XX/XX/2019, I was desperate for money so I took out a loan with Big Picture Loans for {$2000.00}. This is through a XXXX XXXX XXXX that charges extremely high-interest fees. Like over 346 % interest. I have made 13 payments of {$280.00} making a total of {$3700.00} so far. If payments were made to fulfill the loan it would total over {$7400.00} for a {$2000.00} Loan. This is crazy and I have found myself in a debt trap with no way out. These payments are deducted from my checking account every 2 weeks as I'm paid bi-weekly. I have already repaid them well over the principal amount borrowed and plan to block these automatic payments through my bank as I can't afford to continue being ripped off by this company. It was after desperation that I took this loan out in the first place and have since found out that these type loans are illegal in North Carolina.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (WA)

During week of XX/XX/XXXX I contacted my bank, Synchrony, about the process to do a wire transfer. They said my account was " diamond '' level and I get 3 free wire transfers a month. They also said i needed to get specific wire instructions from the receiving bank, address and phone number, etc. I contacted the individual I was going to be wiring funds for a truck I wanted to purchase. He gave me the info. I called the bank, they then told me i needed entirely different info. I got that info then on XX/XX/XXXX I contacted my bank that has my savings account to do a wire transfer for a truck i want to buy and they told me i didnt need any of the info the previous two people told me i did and that I just needed the name and address of the individual I was wiring funds. I gave them the info and had them wire XXXX to their account for the truck. 
I don't hear anything from the bank and followed up with the individual to see if the wire went through, he said it didn't. I logged into my account to see if it had any info there and I was greeted with the message that ALL my accounts were restricted. I call the bank to find out XXXX is going on. They say my accounts are " in review '' then try to say they think its fraud but there have been no attempts to access my account from outside the country or anything that can be misconstrued as fraud other than apparently me wanting to use my money. They say it could take up to 60 days!!!!! to review my account. I am beyond livid at this point. I tell them to cancel the wire and that I'm going to close ALL my accounts. They say i can't do XXXX and have to wait for their " review '' to complete. I have them escalate. I call back the next week. They give me the same XXXX excuse they are investigating, i have them " escalate '' again which is clearly a XXXX process that doesn't exist, they say it should be a few more days, called again Wed XXXX and Friday XXXX, same XXXX. They have totally XXXX me. I had autopayments setup that are now failing, I have a bunch of late fees due to this and I can't even use my credit card now as they have locked it because the payment didn't go through. They have basically stolen ~ {$80000.00} from me with no explanation and apparently no accountability. I don't know if they are about to go XXXX up like that bank in california but it looks like im going to have to find an over seas bank to work with as US banks are so poorly regulated with XXXX regard for consumers.