davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN ADJUSTMENT BUREAU,INC. (FL)

I have been recieving emails from a group called AMERICAN ADJUSTMENT BUREAU about a payday loan that i know nothing about, recently i got a call from them and when i asked for more information regarding the debt so that i can also investigate it they hung up the phone and when i called back they pretended they did not contact me in the first place now when ever i call it goes to voice mail and no one ever calls back. On the recent email that i got from them it sounds like they are threatening me or trying to scare me to send them money. I am scared because they have my vital information I.E they have my ssn number, my DoB and my bank account number. And on the email that i got from them they did not provide a way for me to contact them back.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (FL)

On XXXX/XXXX/2016 I had {$7.00} in my account when I was out and about and did not write a transaction correctly so I believed I had {$7.00} in my account. I went to purchase a meal for {$6.00} and I went to the XXXX store to get something printed for {$.00} and I did not check my account till the next day since I believed I was fine, I come to find out that not only was I hit with an overdraft protection transfer fee for a service I opted out but it was a transfer of {$.00} and then they charged me XXXX NSF 's. I went to the branch and they refunded the fee and refused to refund me the XXXX NSF fees because they can only refund fee 's as a courtesy even if its a bank error. So they told me they can file a complaint for me or I can sue but I wo n't be getting my money back. That was today and they refuse to fix the mistake as advised by the financial services specialist.
Consumer complaint received 2016-11-08
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (DC)

To whom it may concern : I do not have the most accurate category in the drop down menu " which of these best describes your issue '', however, I did call and a customer service rep assured me that making a complaint here would be most efficient and that I could personalize my complaint here. 

My complaint is that the company who now has my loans, 'GC Services ', has consistently given me wrong/misleading information regarding my defaulted student loans. I was notified by the XXXX that my loans totaled about XXXX. I was sent a letter around the end of XXXX stating that I had 60 days to respond. I never got that chance, because the loans were transferred to GC Services. I contacted GC Services about two weeks ago so that I could rehabilitate my loans. I was told that I had rehabbed my loans twice before and was no longer eligible. 

I also called today, XXXX/XXXX/2016 and again inquired about rehabilitating my student loans. I was told that I had rehabbed them once and was not eligible. I asked why the discrepancy and then asked for supporting documentation, since I was on the Consumer Finance.gov website and would submit a complaint since by law, they have to offer me a rehabilitation for defaulted student loans. I was told they do NOT offer supporting documentation and I then asked for an address and phone number, neither of which were given to me. I was then transferred to a 'manager ' and when I asked for an address and phone number, I was asked " why '' - this does not seem like a legitimate business practice. 

I was given a phone number, but not an address - XXXX is the phone number that I was given. They also tacked on fees and interest, making the total XXXX. I do believe I am eligible for rehabilitation since my loan is defaulted and I am having financial hardship. I do not believe that this company has given me accurate information or represented themselves as a company that tells consumers the truth, instead, I have been consistently transferred around to various departments, 'managers ', been given false information, and told my only options were " paying the loan '' and I was told I could not rehabilitate the loan repeatedly with no real explanation outside of " you did it twice and are not eligible '', and then " you did it once and are n't eligible ''. Again, I do not believe it is best business practice not to communicate basic things like supporting documentation, addresses, etc. to someone who is attempting to resolve their defaulted federal loans. 

I was also told by GC Services to contact the XXXX, but I had already done that, and I get an automated response telling me to contact GC Services. 


Thank you for your time and attention to this matter.
Consumer complaint received 2016-11-08
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I applied to Bank of America on XXXX XXXX, XXXX for a loan modification to my home equity line of credit which was converting to very high monthly payments. I could not afford the higher payment because I am XXXX and can not work. 

I was finally approved for the loan modification XXXX XXXX, XXXX and signed the agreement dated XXXX XXXX. There were conditions, must make the payments during the trial period, XXXX, XXXX, XXXX on time. 

I was assigned a resolution case manger, XXXX XXXX. She explained how the process would proceed and that late payment information regarding the loan reported on my credit bureau by the Bank would be taken off, " just be patient ''. 
I made all payments during the trial period as agreed. 

I reviewed my credit report this week. It shows an alert. I am over 30 days late in XXXX, over 60 days late in XXXX and over 60 days late again in XXXX for this Bank of America of home equity loan. The payments were made during the trial period of the modification on time and as in the agreement. 

As a result of the erroneous reporting my credit score has dropped significantly. 

Recently, my income has decreased from what I originally reported to the Bank. I tried calling the Bank several times hoping to get my credit file corrections expedited. I called XXXX XXXX, left several messages, no return call. When I finally got through to Home Loans Department, the gentleman said I " should be glad I still have my home ''. 

Yes, I am grateful that I got the loan modification and want to make all payments on time, but I will need at least a good credit score to exercise what options I have left to help me before too much time passes.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Other — 
Company: Midwest Recovery Systems (IL)

There is an unknown credit card debtor on my account which I know nothing about and have never known anything about it. These companies should not be able to report anything that is not valid until proven which in this case, it is not and will not be proven because this is not mine. In the meantime, my credit report score goes down 20 point without anyone proving this case. I dispute this behavior and I definitely dispute this charge. I want it removed immediately. The Company name is Midwest Recovery, XXXX, Missouri XXXX. Phone XXXX.
Consumer complaint received 2024-08-02
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. (MO)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (OR)

I checked my credit and found a collection item. I called Midwest Recovery Group, which told me this is from XXXX XXXX, another debt collection company??? I was told this was from a payday loan in XXXX Ca. in XX/XX/XXXX, I have not lived in XXXX since XX/XX/XXXX. I have not been notified of this, by mail, phone or email. I have no outstanding debts to be put in collections. I do not know who the ORIGINAL creditor is supposed to be. I have been getting calls now for about 2 years and every time I turn to CFPB and get results. I have had this removed before because it is not mine, beyond collections in Ca. I asked for validation to be sent to me but the person never asked for my correct address after I told him I have not lived in XXXX since XX/XX/XXXX. This is a scam just like all the other complaints I have filled out. If this is a payday loan then it its supposed to be arbitrated and no attempt has been made in a legal fashion.the process to put such an item on my reports was circumvented in violation of the FCRA. I have absolutely no information on this debt to even begin disputing it.This is an end run around the law because whatever this is can not stand up to the scrutiny of a court room. In court I have discovery and can get to the bottom of this. I believe it is not mine and the light of a court room would prove this is not mine and who ever is responsible for this item will be found uncollectible due to age of said item. This is a scam and I want my info back. My info has been breached by XXXX XXXX, XXXX, my local hospital and my XXXX doctor in XXXX Ca. I can not fight or dispute this as I have no information about this.
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rainier Financial Group, LLC (UT)

I have not done business with this company and they 've been calling my number about someone else 's bad debt. This company has called for two months now. I have called them on THREE various occasions to inform them that the person they are trying to reach is NOT at my number. Each time they have apologized and said they will remove my number from their records. They have not. Calls continue and I am sick of trying to work with them directly.
Consumer complaint received 2016-08-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (CA)

Under financial hardship and XXXX with both left and right XXXX as well as receiving social security benefits, I needed to find means to pay off household bills, rent, car insurance, life insurance, outstanding medical bills, etc. and when I saw the television commercial from LoanMe.com for an installment loan, I applied over the telephone. And was given a {$2500.00}, it was not stated up front the amount of interest to be paid on the loan at 138.63 % ( Overall finance charge of {$11000.00} ). The shock for me when I received the LoanMe, Inc. Promissory Note and Disclosure Statement was the full amount without added Late fee to pay off note was ( {$13000.00} ). The offer for taking the loan was an encouragement for accepting it because without immediate family support, even extended support from siblings to be self independent financially this was I thought a sound option. But when at my age I 'm unable to find suitable employment outside of my failing health it has been merely trying to survive to pay my rent, buy food, and other life means to not become homeless. I do n't understand why a financial lending institution would charge such high interest and payments to a retiree receiving social security benefits. Afterwards when income becomes even more deflated calls almost daily from various telephone across the country as my caller ID shows even to the trickery of making " Unknown '' or " Private '' numbers. I find that the settlement repayment down over the phone is without an end date and even more so the payment is painfully high. I need some relief, but I do not know who or where to turn.
Consumer complaint received 2016-08-02
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/2016 I used Moneygram to send {$300.00} to receiver XXXX XXXX, who was to pick up the {$300.00}. When XXXX tried to pick up money, Moneygram refused to give to him. I dont know why. Something about his I.D . They wanted him to come back to Moneygram. But when I told XXXX this he refused to go back. So I called Moneygram, on XX/XX/2016 and said to cancel transaction and refund my {$300.00}. They refused. They said they need to see XXXX. I told them he refuses to come back. I have written letters to Moneygram refund dept. called many times, only to be told they are still investiggating it. 
It has been 5 months. They transfer me from dept. to dept. and I get same thing, they are still investiating it. I just want {$300.00}. refunded. They can investigate until Kingdom come, but my {$300.00}. is not helping anyone investigate XXXX.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo closed my account and the total unpaid balance was over {$500.00} that they claimed I owe, when in actually I only owe {$180.00}. Spoken to a few representives that stated the other charges were multiple bank overdraft fees in the amount of {$35.00}. Bank refuses to take off overdraft fees so I can just pay what I actually owe.
Consumer complaint received 2016-08-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (AP)

Please reference complaint number XXXX. When I disputed this complaint I had assumed you would get back to Honda, since they did not address my problem basically at all. Perhaps I hit the wrong buttons. In any event, I received an email which described my dispute as feedback and not a dispute, so here is a new/related complaint as it was submitted in dispute to referenced complaint. Thank you : A non-answer from Honda Financial Services ( HFS ) which requires further explanation. I never changed my address on my lease buyout and neither did the XXXX XXXX XXXX XXXX ( financed the purchase for the buyer ) or if they did I was never so informed. I did change my mailing address from XXXX XXXX to XXXX XXXX XXXX at the HFS website on XXXX XXXX, the day after car sale was completed, in anticipation of my departure for XXXX on XXXX XXXX. Perhaps the difference in amount charged was due to a change from XXXX to XXXX ( XXXX, some would say XXXX ; there is no state XXXX and neither does an XXXX address charge sales tax )? Obviously, I never moved to XXXX. I did make a payment electronically to HFS in the amount of {$340.00} on XXXX XXXX to get HFS off the back of the buyer who is also my brother-in-law and to allow release of the car title. So, the first thing that needs to be fixed is the return of the {$340.00} erroneously charged that I paid on XXXX XXXX. Secondly, as stated in my original complaint, consumers need to be protected from HFS which billed me in a letter ( scan attached to my original complaint ) which did not explain the reason for the billing, a company which makes it impossible to resolve a dispute with consumers who have moved XXXX AFTER complying with their instructions for paying off an auto loan. Thank you.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have disputed these accounts several times. The accounts have been deleted for years and placed back on my report. Here is a listing of the following accounts : XXXX - I have never been late for these accounts ; the accounts were drafted from my account XXXX- Because I was out of work, the insurance that I paid for covered my payments on this account. I filed a claim and had to wait for the claim to process. The company manager and XXXX XXXX Insurance Company Informed this company of the process. I was still charged late fees. 
XXXX XXXX XXXX XXXX -- My car was totaled because of his accident. My insurance company, XXXX XXXX paid XXXX XXXX XXXX XXXX the money owed and the title was provided XXXX. 
XXXX XXXX Account was opened fraudulently. I am not aware of this account number. 
Bank XXXX The account was removed and placed back on my credit report. This account was opened fraudulently. A letter was provided to all credit reporting agencies and I am still fighting for the account to be removed from TransUnion. 
In the State of South Carolina, there is a State of Limitations. The credit reporting agencies are not following the statute of limitation law set forth in this state.
Consumer complaint received 2024-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (FL)

I was with XXXX for two years and never had an issue. XXXX is saying that I owe them money because someone whom I NEVER authorized was on my car insurance. Keep in mind I was still making my monthly AUTO DRAFT payments. I asked them for the recording of me adding someone to my insurance and they could not provide it. I spoke to XXXX XXXX representative and she assured me that this mistake would be corrected and never happen again. She said he fixed everything in the system. When I cancelled the insurance for their exploitation I got an email stating that I would be REFUNDED money. I never received my refund and I am still being billed for money I do not owe them. This collection was removed from my XXXX credit report the beginning of this year, now they added it to my XXXX and XXXX report. How could I owe money and my funds were taken directly from my bank account based on what they billed me for the month. I was also not able to retrieve my bill and payments from their website after I severed ties with them for some reason, but thank goodness for bank statements!
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

I called and spoke with an Experian rep to put in a dispute against inaccurate information on my credit report, against XXXX XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Both are in a collections status for the same account, so they are duplicates of each other. Neither accounts are mine. I explained that to the rep and referenced my XXXX acct that was in good status, paid and never late, acct # XXXX ( see attachment ). I opened that account in XXXX 2006 and closed it some time ago. 
The Experian rep said I was added to the good status account by another cardholder, but could not tell me who. She was incorrect. I was the primary cardholder for that account and asked her to send proof of my being a secondary holder. She vowed to investigate with hesitation. 
When I received an updated credit report, after the dispute, my good standing account for XXXX ( XXXX ... ) was deleted from the report and the two negative accounts that duplicated themselves, XXXX XXXX ( XXXX ) and XXXX ( XXXX ) still remained. Experian sent no expalantion, no documentation, abused their powers and adjusted my credit report as they saw fit. 
Experian needs to delete the XXXX negative accts of XXXX XXXX and XXXX ( XXXX ... ) and add the good acct of XXXX ( ( XXXX ... ) back to my credit report.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

experian reports XXXX enhanced recovery co, on my credit report.it is my only negative. 
experian and their furnisher refuse to report accurate and complete information.i believe this is the XXXX of multiple cfpb and experian investigations on this account within 2 months. 
todays report pulled on a 3rd party experian product displays in bold print the following untrue damaging information. " legally paid in full for less than the full balance '' the original amount is XXXX, I paid XXXX on XXXX/XXXX/16. I demand that the report reflect this recent payment/amount pd of XXXX AND THE ORIGINAL AMT OF XXXX. 
CREDITOR LETTERS ATTACHED THAT ADMIT THE ABOVE.you have been allowed much more than 30 days to report accurately according to FCRA ... THE ERRORS IN THIS INVESTIGATION AND THE PRIORS SEEM INTENTIONAL WHICH LEAD TO A MUCH MORE SERIOUS FCRA VIOLATION/PENALTY.