davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
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. (CA)

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX services # XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX have violated my rights 15 US C 1681 section 602A States that I have the right to privacy. 
15 US C 1681 section 604 a section until I saw XXXX XXXX reporting agency cant furnish an account without my written instructions Not only do these accounts and I belong to me, but XXXX XXXX XXXX and Equifax are violating my rights, along with these other companies above. Above I plan on being involved with a multi XXXX dollar legal class action lawsuit because of this, it has caused me a lot of trauma and grief!
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (OR)

I have been sending money with Wells Fargo through XXXX for several years to the same person. I sent the following amounts from my acct at Wells Fargo to my Fiance 's account at Wells Fargo. XXXX {$1000.00}, XXXX {$1000.00}, XXXX {$2000.00}, XXXX {$2000.00} These funds went to another bank and an identified person. Again, I send funds to her every month with no issues until this past XXXX. I made no changes to the XXXX account at any time. I called Wells to file a claim on XXXX. I received no confirmation, so I called again on XXXX and they stated a claim wasn't not logged on my previous call. So I made a new claim on XXXX. They denied my claim. I called their Complaint Dept on XXXX and was told I would receive a call back in 48 hours. I did not receive a call until XXXX. XXXX states XXXX is not their product and they do not back the transfers. I am a 100 % XXXX veteran and have been XXXX  6 times since XXXX and my XXXX affects my XXXX abilities. This {$6000.00} is my mortgage money. Wells states they have nothing to do with XXXX and it is not their product. Yet it is advertised and promoted through Wells. I feel this is not right to promote a product they do not back. All previous transfers went correctly until XXXX and they can not tell me what went wrong or who made a change to my zelle transfers. Wells is taking no responsibility nor can they give me a number to XXXX so I can research myself. {$6000.00} is nothing to Wells, but it is affecting my ability to live. Bottom line, Wells is stating you use XXXX at your own risk. I also asked for contact information for XXXX XXXX CEO, but they could not provide that information. I have been a customer for 21 years and feel I deserve a better explanation and some help.
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (AZ)

Card was supposed to refunded as well as attached XXXX to savings. Board request dept ran by XXXX XXXX at Brinks issue me refund. Three months later she has not filed check. Or called or written me from resolution department. Please escalate.
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

Transworld Systems Inc. has collection on my credit from XXXX XXXX Which I never have used. My father had them when he died. I think. I moved into his house a year after he died. So they think Im him. Even though I already explained this to them. They should check social security numbers and or middle names. They only put this on my credit after I looked at their services like 4 years after my father died.
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Commercial Services, Inc (OH)

XXXX insurance issued a debt for an auto accident that was dismissed in court. Case # XXXX. Attorney XXXX XXXX XXXX Ph/ # XXXX. The collection company is NCS at phone # XXXX. Name of representative is XXXX XXXX and he not only is calling numbers not associated with me but after providing him with attorney information and verbally explaining him to cease and desist he continues to make harassing calls.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

On XX/XX/year> I did not give CITIBANK NA., BEST BUY permission to do a hard credit check on my existing account I have with them. When paying my bill at XXXX XXXX  I click on file in error and tried to contact them when I received an email. I never agreed to a hard inquiry. Under the FCRA, creditors, and lender must have my explicit consent before pulling your credit report for a hard inquiry. I didn't even give them the last 4 number of my SS # This information is inaccurate and I would like it removed from my credit report.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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
Consumer complaint received 2024-08-19
Product: Credit reporting 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. (TX)

I let the companies below know individually that I did not authorize them to pull these inquiries below and to delete them from my credit report. Due to the inquiries still remaining on my credit report, it is causing red flags to lenders that I really need a loan from. The inquiries are also listed multiple times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TX)

southwest credit system LPDescription of Complaint : Although this account was in dispute I made an attempt to pay the original lender and have this account removed from my credit report, they referred me back to the collection agency and said its up to them. After contacting Southwest credit sys a collection agency that report to all credit angency. I was told by XXXX XXXX XXXX and other employees of Southweast credit sys that they could not delete this account from my credit report because of company policy and federal laws although I paid the account in full on XX/XX/2015. I have disputed this account from the very beginning and I have not yet as of today received a certified letter from either company concerning this account. I do n't believe what their saying is true. In dealing with another collection angency they had no problems deleting the account after receiving a letter from me requesting it. Mine you both companies are dealing with me in the state of Texas. I 'm looking for help in this situation please. I feel this type of practice is unfair to the consumers. Thank you
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

I applied for a citi card for a balance transfer on XX/XX/XXXX for 3 different balance transfers on the offer on a new card. 
I checked with the rep to make sure everything was correct on the XXXX of XX/XX/2022. 
One of the balance transfer was not the correct company I called repeatedly to stop this. It was transferred on XX/XX/XXXX for the amount of {$1000.00} to XXXX XXXX XXXX ( a realty company- I have never owed money or had any interactions with what so ever ). I repeatedly called again and tried to get this charge taken off. The reps gave me a complete run around and changed what they said numerous times i.e. we can get this removed, we file a dispute and it should be removed in 2-3 days, the latest it will be removed after the investigation concludes in about 30 days.

Several times the rep has told me there is no manager or otherwise a supervisor to talk with. It took me over an hour today and a lot of persistence to see if there was even a dispute being initiated and another hour to talk with someone that could tell me that for sure, but could not give details. 
I have had to proverbial run around with them during the short time I have been dealing with this. 
Every time I talk with someone it is a slightly different answer and dead end. I called the other company who supposedly received the fraudulent payment and they do not even accept credit card payments. 

thank you for any help XXXX XXXX
Consumer complaint received 2023-07-18
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. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-12-14
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)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

I recently learned that HYUNDAI FINANCE Auto Loans reported a business auto loan on my personal credit report for the original loan amount of {$32000.00}. 

I contacted HYUNDAI FINANCE Auto Loans on XX/XX/2023 and was told to dispute that this is a business auto loan and not a personal auto loan and to request that this information be removed from my personal credit report.
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC (CA)

Over 2 years ago my wife had lab work completed in California and sent off to XXXX XXXX XXXX XXXX in XXXX XXXX. The doctor said that if the insurance company does not cover the fees the company ( XXXX XXXX ) would ( we now possess a copy of written documentation of this policy ). 2 years later ( now ) after not hearing from any issues on our insurance or the doctors office the company is bankrupt and a collection agency is trying to collect {$3000.00} from us for XXXX completed for the bankrupt company 's trustees. We sent them the written documentation agreement between the doctor, insurance company, etc, that explicitly states, " If it turns out your insurance company does not cover a specific test, XXXX XXXX assumes all the risk. '' We have sent the documentation to the collection agency ( Monterey Financial of XXXX XXXX ), yet they are continuing to try and collect the debt from us and many others even though they possess the documentation clearing everyone of all expenses associated with the XXXX. To do this is unethical, a scam and fraudulent business practices by Monterey financial. They are using scare tactics and threats to peoples credit to try and collect despite the documentation clearing the patients of any type of financial responsibility and preying on others who may not have the knowledge or possess the burden of proof we have received from our doctor who used XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (IL)

Several Federal student loans with furnisher Fedloan Servicing are being reported as late although loans in general forbearance where by law no payments were not required/delayed for during that timeframe. The negative information is being reported to all XXXX major credit bureaus. I have disputed this inaccirate information numerous times only to have it returned as verified. It is my understanding tbat that FTC laws requires the creditor to report and update accurate information. This furnisher refuses to update my file.
Consumer complaint received 2015-06-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

On 2012 i purchased my house for {$820000.00} XXXX XXXX time home owner ) and later on i found out that is only worth {$400000.00} I want some XXXX to investgate this as is very unfair that i have a loan for {$800000.00} if the house is only worth less than {$400000.00} Please feel free to contact me if you have any questions.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (TN)

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$2400.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$730.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$450.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$350.00} This is a formal complaint against all three credit bureaus, ( XXXX, Equifax, and XXXX ) located in XXXX XXXX XXXX XXXX, TX XXXX ( Equifax ), XXXX XXXX XXXX  XXXX, PA XXXX - XXXX  ( XXXX ), XXXX XXXX XXXX XXXX, GA XXXX ( Equifax ) . This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX, Equifax, and XXXX have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (CO)

1. I have been attempting to clean-up my credit since XX/XX/2022. I have sent letters to all three credit reporting agencies in an effort to have numerous Inquiries removed from my credit. I have not tried to obtain credit, accept pre-approved credit cards to help build my credit. No one had my signed approval to obtain my credit file. 
XXXX. I also hired XXXX XXXX XXXX to assist with the incorrect open collections on my account. They have been successful but there are still collections that are incorrect. There are medical open collections on my account. I have always had insurance. These are not my accounts. I have had surgeries to replace hips. I had insurance and would have paid. 
XXXX, Now almost 15 months have transpired, and my credit report has not improved. I find two more collections on my report. I personally wrote this company and requested copies of documents or invoices with my signature to prove validity. They never provided such and put it on my credit report. I am sending my 2nd correspondence to these agencies. I need help. I am XXXX XXXX XXXX this XXXX and the credit bureaus are hurting me financially for no reason. I am very careful to have no negative remarks under my name.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion fails to remove the XXXX account. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2022-07-14
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (TX)

PHEAA XXXX XXXX XXXX. have been persistently harming my consumer credit for years. I made several attempts over the last two years to have Fedloan Serv remove the inaccurate accounts from my credit file/report. I also opted out of forced forbearance due to the " pandemic '' and one month the account was forced into forbearance again, showing I made payments on my consumer report when I have never and will never make payments, these tactics to keep the " assumed debt '' on my credit report well over 7 years has greatly effected me. After notifying them by phone that I do not owe a debt in which Fedloan assumed, I demanded to see an audit trail and the original document of indebtedness to show proof that I do not owe any debt. I also requested proper verification of debt or accounting to be notarized and signed by the accountant over my account. I received a copy some frivolous paperwork that seems to be computer generated, on the back of the last document they sent was a page entitled Direct Loans and also read page 1 of 8 at the bottom with no reference or evidence of a page 2 through 8. This one page document, printed on the back of frivolous small print documents that were printed in repetition, had a computer generated signature of my name. I have not been able to use my credit to obtain a home, personal vehicle, or a lifestyle that is appropriate to educate my son and prepare him for the world. Therefore I am homeless and have suffered financial ruin because of fraudulent practices exercised by FedLoan Serv and other persons under the same corporate control. I was messaged by XXXX that they now have my loan and I also informed them of my past troubles and the lack of evidence to make a claim previously by Fedloan. 
I stand with the provisions of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Equal Credit Opportunity Act, Indigenous
Consumer complaint received 2020-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I applied to AES ( American Education Service ) for Covid-19 relief and was told that my two federal loans were not eligible for interest free forbearance as stated by the CARES act as signed into law by President Trump. 
I noticed primarily that in order top even apply, I had to spend over a half hour just to find the application page ; furthermore, the forbearance was only applicable for 3 months instead of 6 as the relief act states. 
I called and asked about the issues and was told that : 1 ) my loans were not eligible for the 6 month forbearance ( I have 2 federal loans listed ) 2 ) also, my interest during forbearance would continue to accrue during this period and just that the interest would not be capitalized at the end of the forbearance. 

I don't believe that is intent of the Covid-19 relief act and honestly is not really relief. I know others whos servicers are doing completely opposite with the same type loan which is no payment until XXXX and no interest during this time. 

Please look into auditing and addressing this with AES as they are not obeying Presidential mandate.