davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On  XXXX   XXXX ,  2017  I was hired by  XXXX   XXXX  and given an employment offer letter. I was hired by a  XXXX   XXXX   XXXX  who then instructed me that I would be training for a week and that I need to purchase software and a time tracker in order to go forward with the training. He also informed me that I would need a laptop and that if I did not have  one  that  XXXX  would provide one for me. Towards the end of the hiring interview,  XXXX   XXXX  told me that a check would be issued to me for the purchase of the software I would need. I received the check  (  {$2900.00 } )  and was instructed to deposit it and once it had cleared I was to send the money to the vendor to purchase the software and time tracker. The first check was not sufficient to pay for the laptop also, so another check  (  {$4800.00} ) was issued and sent for that purchase 2 days later. I was instructed to deposit that amount into the vendor 's account via   XXXX   XXXX   XXXX   XXXX  and informed that my laptop, various softwares and timer would arrive by the following monday. On Monday I received a third check for {$12000.00}. At this point I became suspicious because I had not received any working/training materials and was being asked to deposit another check to purchase a different set of equipment. It was at this point, I went to the bank manager and after some investigation she determined the check was fraudulent. My bank then contacted the bank of the issued check and they confirmed the check was not a real check. At this point, the monies for the first   XXXX  chec ks was withdrawn from my account by my bank because they were deemed to ba fake as well.   Now, I have lost {$ 7700.00} ( {$2900.00} + {$4800.00} ) due to this fraud/scam and Wells Fargo (  my bank ) will not reimburse or credit my account and my account is now negative with a negative {$3100.00} balance. I have everything documented. I have printed out the entire conversation between myself and  XXXX   XXXX  as well as all company documents i received.   I would like to be reimbursed either by  Wells Fargo  or  XXXX  as both of these companies should have been more diligent and responsible in handling these checks and making sure that I was not scammed out of my money . Wells Fargo no t only did not inform me that the firs t  XXXX  che cks were fake, but they actually cleared the checks and credited my account with those funds and then took them out of my account after I blew the whistle on the third check. Now i have a $  XXXX  balance.  XXXX  should be more diligent than allowing scammers to have access to their letterheads, documents etc that were used to scam me.
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/2017 I was experiencing a great deal of pain in one of my XXXX. I went to XXXX XXXX. After an evaluation to fit me for a XXXX XXXX I was in favor of. The XXXX told me he could not save XXXX XXXX and would have to pull it. He ended up XXXX XXXX XXXX and I was left with huge XXXX in my XXXX. I am very upset about that procedure and I will never go back to XXXX XXXX. 

I went to XXXX XXXX in hopes of getting assistance so I could eat, talk, and smile. After many XXXX   visits I received a XXXX XXXX. It is/was SO very painful. I went back 6 or 7 times to have it fixed but finally was told they were not responsible for the XXXX. 

I talked to an attorney and he advised me and I did take the actions he suggested. I requested a Fair Credit Billing and was told by Synchrony Care Credit that they contacted XXXX XXXX. XXXX XXXX said I signed the sales receipt. Synchrony Care Credit said they can not judge the quality of the services. They release the disputed amount in the XXXX XXXX favor. Also I signed up for a promotion purchase to have the payment and interest rate the same through the repayment of the loan and I am not getting that. That is why I started this whole procedure. I had terrible service and I can not get a repayment plan I was promised ( attached is the statement with the Promotion Plan and my current charges ). The promotional plan is taken totally off my account. 

Can you PLEASE help me get fair treatment at least on the repayment of the terrible service? 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-09-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (IN)

Just bought a car and before I could plate it I was in an accident not my fault the other insurance company took for ever to settle with santannder they continued to charge interest on the vehicle loan which I was also still making payments on also I have ask them to wave the interest since they were the ones that settled with the insurance but still were charging me until they got the payment also they said it was for the warranty that obviously was not needed again didnt even have the vehicle 30 days I would like it removed from my credit
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax is showing my   XXXX   XXXX   student loan that was opened on   XX/XX/XXXX   as currently past due. This information is incorrect. The account is now current. The account did become 30 days late in    XX/XX/XXXX   , but payment was made and a current status should have been reported  for  XX/XX/XXXX ,  XX/XX/XXXX , and now  XX/XX/XXXX . T he account is still current. The account has been reflectin g 30-59 d ays late sinc e  XX/XX/XXXX . A dditionally, there has not been any updated reporting since   XX/XX/XXXX  . This inaccurate reporting by Equifax is affecting my credit worthiness. I am requesting an IMMEDIATE status update back to current as the account is now current. Additionally, I am requesting that account payment history be updated f or  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . The statu s has been accurately updated by   XXXX    and    XXXX  . Equifax has neglected to update the status.
Consumer complaint received 2024-11-22
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. (MA)

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 2017-05-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

XXXX   XXXX  opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since   XXXX   XXXX     a mysterious payment from  XXXX   XXXX  appeared as a collection on my   XXXX   report. I check all my physical mail and email, I never had any collections or payments due to " CA CHECK CASHING '' which is the company  XXXX   XXXX  claims they are representing. I decided to call  XXXX   XXXX , calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN  just to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with CA  Check Cashing , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called CA Check Cashing to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (MN)

I have been usin g TCF Bank  until recently when I read about the unfair ways they are " tricking '' their customers into overdraft fees. I have had NUMEROUS issues with them and they continued to do it. I switched banks, but still have a couple auto withdrawls and a weekly automatic deposit. I looked at my account and was charged {$110.00} in overdraft fees today. I called TCF and they said there were several items that caused the overdraft. When I looked at my account yesterday, it was positive, with  XXXX  pending withdrawls and automatic deposit. It did n't make sense at all why I would be charged  XXXX  fees. They refused to help me and I hung up the phone.
Consumer complaint received 2018-07-11
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: BMO Bank, N.A. (IL)

I recognized that XXXX XXXX submitted 16 unauthorized inquiries on my credit report on XX/XX/2018. 

BMO Harris was one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manager. 

He refused to help. 

It is very unfair that they did that. It lowered my credit score by 200 points.
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (FL)

My wife and I were shopping at XXXX XXXX XXXX XXXX, We visited the customer service desk to obtain a membership card for her thru my account. The representative took care of our matter and offered a preapproved credit card that I initially declined the offer, after a sales pitch we can save XXXX a gallon on fuel plus any other offer they have by using the card and assured it was preapproved my wife encouraged me to move forward with the offer. The representative at XXXX XXXX asked me a few questions and said the card will arrive in the mail about 10 days. All was well till I got a letter from XXXX XXXX XXXX  rejecting my XXXX XXXX credit card due to to many new credit in the last 12 months. My initial decision to decline the offer was to avoid an other hard inquiry to my credit bureau 's. XXXX XXXX XXXX blamed this on XXXX XXXX   customer service, XXXX XXXX customer service told me in no way did they have anything to do with this situation, It Was XXXX XXXX XXXX showing them on computer screen I was preapproved from XXXX XXXX XXXX web site. Representative at XXXX XXXX  told me this happens a lot.
Consumer complaint received 2018-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

It has been once year ( XX/XX/XXXX ) since attempted to fix this issue that was created using my name and SSA #. XXXX used my information on someone else account at a different address than mine. The did their part to " XXXX '' the error from my account and my personal information. They removed the information from one collection agency, but a year later another collection agency has placed this debt that is not mine on my credit report. I have been calling XXXX  and I called the collection company. They each say the other have to remove it. Today XX/XX/XXXX I receive a text from XXXX  saying that they are giving me a credit for this amount. I don't need a credit. I need this taken off of my credit report. I found out who the person was that they were looking for after XXXX texted me the return information for the fraudulent person 's equipment with her address label. The address of the equipment is not mine, nor has it ever been mine. I have gone through XXXX 's theft unit, XXXX unit, and they even unknowingly put another 2 year agreement on my new account without informing me of this. Which would cost me to close my account with them. This is wrong. I need help.
Consumer complaint received 2018-09-29
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: Nelnet, Inc. (MD)

NELNET, former loan servicer, who transferred my student loan to XXXX XXXX before my loan entered repayment, i.e. no payment was ever owed NELNET ; no payment was ever made to NELNET. In clear violation of federal law expressly prohibiting duplicate reporting of loans ( including student loans ) within the borrower 's credit reports, NELNET continues to duplicate report ( same student loan for {$20000.00}, reported by XXXX XXXX, the current and only servicer to whom payments were owed ). NELNET 's per se unlawful explanation for NELNET 's continued unlawful duplicate student loan reporting is " loan history '' which argument is fictitious/illegal-self-serving because National Student Loan Data System, NSLDS, is the sole student loan system recognized as " authoritative '' for student loans history reporting. In fact, NELNET is merely actually using their unlawful student loan tradeline report for illegal monetary gain by sale of said unlawful tradeline. PRIOR NOTICE : XXXX has received numerous requests from me to permanently remove NELNET 's per se unlawful duplicate student loan report from my XXXX credit report ( hereby I incorporate my prior Consumer Financial Protection Bureau, CFPB report number XXXX dated XXXX XX/XX/2018 in full with all attachments by reference ). If XXXX does not promptly ( within 10 business days ) permanently remove NELNET 's per se unlawful NELNET duplicate student loan report report, I will have no further option but to bring both NELNET and XXXX  to federal district court to answer charges of unlawful fraudulent student loan reporting extortion. NELNET and XXXX  have received written notice numerous times without corrective deletion of said unlawful duplicate student loan report
Consumer complaint received 2018-09-29
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. (TN)

On XX/XX/2018 I sent information into the 3 major credit bureaus letting them know that I was a victim of identity theft, I was expecting results according to the FCRA sec 605b concerning victims of the aforementioned, yet to no avail.
Consumer complaint received 2018-09-29
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)

On XXXX I re-submitted a complaint I am no longer contesting the account, I wanted the procedure used in determining their practices. 

They said they investigated. I am deeply disappointed in their practices. 

I am a former XXXX player with bouts of XXXX XXXX and XXXX with XXXX issues derived from years of dealing with XXXX  related issues. 

I get bouts of XXXX XXXX that can pop in to creates gaps of time. I do not recall accounts that this company stated that they had about me. I simply asked for the method used to determine if I had a bankruptcy along with the other items that was on my credit, because I did have an identity theft is situation. 

I can not guarantee that I didn't have the accounts that they stated is accurate so that is why I wrote the bankruptcy court and asked them did they release to any third parties like the credit bureaus if they released my name ... they said they did not release my name to any third parties, which has created some XXXX. 

I am going to speak with my XXXX  about this issue because I am in the XXXX lawsuit with the XXXX.
Consumer complaint received 2017-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAVALRY INVESTMENTS, LLC (LA)

They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.
Consumer complaint received 2018-07-11
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. (CA)

I provided XXXX, XXXX and Equifax with information asking them to verify all accounts on credit file, as I did have issue with incorrect information being reported, as I am a XXXX. I advised that the information was not current, shown to have been incorrect, and ask that they remove the incorrect information ASAP. They are also providing and showing out dated information advising that I am currently behind on my accounts, when I am current and have not been late. Advised that information would be updated, but that information did not show to have been updated still to this day. Showing the last information to be reported was dated for XX/XX/2017. I have asked all 3 companies to update, verify or remove the accounts and to no avail. At this time I am asking for all hard inquires, as well as all collections shown to be removed, and all outdated inaccurate information removed as well. I shouldn't have any inquires on my report as I have not apply for any updated or new credit. I have sent letters to all 3 credit companies advising if this information is not corrected, I will move on the legal actions. I should not have to pull and go back in fourth with a company that is paid to report accurate and true and correct information! Please assist me in getting this all resolved and having all this information verified, removed off my report. I didn't want to come to this point, but this is the only chance to have this matter resolved.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is  XXXX   XXXX  not  XXXX   XXXX  and my address is  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX  not  XXXX    XXXX   XXXX   XXXX   del  XXXX   XXXX   XXXX   XXXX   XXXX  del  XXXX   XXXX   XXXX    XXXX    de  XXXX , and the last for digit of my social is  XXXX  not  XXXX , and my phone number is  XXXX  not  XXXX
Consumer complaint received 2018-08-11
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: EQUIFAX, INC. (GA)

Equifax would not allow me access my free annual credit report and I was not given a reason. Equifax requested that I send them copies of sensitive documents like pay stubs, social security numbers, etc. Given Equifax 's history with not keeping information secure I have problems sharing any information with Equifax thru US Mail. 

I had no issues with XXXX XXXX or XXXX in getting the same information from the XXXX  site..
Consumer complaint received 2018-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

The whole series of events transpired when we signed up to training with a company ( XXXX XXXX ) who subsequently been taken over by FTC for in appropriate operation of the business and we were mislead by XXXX when we signed up and made the necessary payments in to thinking we could get what was promised to use, which was a business model that was taught, mentored and created for us providing we paid for it. 

Unfortunately XXXX had lawsuit filed against it by the FTC and was taken over and shut down of all its assets and operations ( Please visit website following this link ) - XXXX XXXX XXXX We paid the following amount for each course : Home Business Summit ( XXXX XX/XX/XXXX XXXX {$490.00} By Debit Card XXXX XX/XX/XXXX ( By International Bank Transfer ) TIT/PLA Combo -  {$26000.00} The Home Business Summit XXXX - {$490.00} Inner Circle - Diamond Annual XXXX {$2300.00} Diamond Mastermind - {$30000.00} Sub Total - {$59000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Accelerator Mentorship - {$24000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Outstanding amount : Accelerator Mentorship 1 {$480.00} Total {$85000.00} We have asked FTC to ask XXXX XXXX to reimburse us and we have not had a response from any party involved with or associated with FTC or XXXX XXXX Our bank where we conducted the payment of funds via card and bank transfers say that they are not responsible with this there for can not accept out claim or follow it through. 

Our Contact details are : Mr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2018-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

My student loans are currently being serviced by Pennsylvania Higher Education Assistance Agency. I have had multiple periods of " qualifying employment '' through the Public Service Loan Forgiveness program, but several periods have not been calculated correctly, resulting in fewer periods of qualifying payments. For example, they claim that information is missing from forms when it is not, or they claim that payment tracking can not start when I am still with the employer.