davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (VA)

AES Student Loan Services has reported an Old Account which was listed on my Credit Report XXXX, with the Date of Status XXXX and First Reported XXXX. This is an Outdated and Negative and False Reporting. The Bank listed is XXXXXXXX XXXX which is Listed for 2 Loans in XXXX XXXX XXXX XXXX {$2900.00} and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, {$3500.00}. The School also closed under Bankruptcy School ID XXXX. 
On XXXX, The Department of Education approved for a Discharge of the Federal Student Loans and this Loan Holder ( s ) AES has refused to release or Transfer my Loan to XXXX XXXX XXXXXXXX XXXX XXXX for The Discharge. XXXX has contacted AES many times to have the Loans transferred but no response has been given to XXXX from AES. XXXX XXXX informed me that the Loans were sold back to AES but AES reported these Loans as new Loan on my Credit Report as New Open XXXX, and 1st Reported XXXX with a payment and Status Current. I have n't made any payments nor should this be reported Double on my Report this Account is Outdated from XXXXI contacted AES and they claimed they could speak to me because they had another name Listed for my Social Security Number/DOB/address . I do n't know what they have in Error but yet they were allowed to report False Information on my Credit Report which is PROOF they have all the Information Needed to talk with me concerning this Incident. All Reporting from AES is Fraud and they are also claiming to be reps of XXXX XXXX or XXXX XXXX gave me false information. I want all these Accounts to be removed from my Credit Report as they have caused Due Hardship and violated my Civil Rights with Fraud. This is abuse of the Government Student Loan and Department of Education. I want all points restored back to the my Credit Score which was reduced because of this Fraud committed by AES and XXXX XXXX due to Error and refused to Obey the Discharge Laws and Policies when the Discharged has been approved. I want a written apology for this Harassment and violation of ADA Act
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

UCCC 3.301 ( 1 ). 
The financing of an automobile by a bank was not a consumer loan transaction where the sales contracy and areree of the automobile taking security in addition to the purchased automobile. First XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Deficiency balance was not updated with me and reflects on my credit report as inaccurate the vehicle was a total loss and it creditor would have acted in good faith and did proper procedures of contacting me after vehicle was sold at auction my gap insurance would have paid for the remaining balance Im asking thats this debt be removed due to law. This is not verified information and contains eras that trigger violations of fcra and fdcpa. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. I have not supplied proof under the doctrine of estoppel by silence, XXXX v. 
XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact XXXX XXXX XXXXXXXX XXXX XXXX these items immediately.
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates (GA)

In XX/XX/XXXX I went to ER. The ER visit became an issue with XXXX XXXX XXXX as they are not honoring their contract. I tried to work this out with Insurance Carrier, and XXXX Hospital for 8 months now. 
I filed an appeal with my Insurance carrier. The Hospital apparently was not told to put my account on hold while the Insurance carrier reviewed the case and my case ended up in collections. XXXX XXXX XXXX is the collections agency calling  me. They ask for me and then demand personal info from me like date of birth, social security info, address to gain access to why they called. I was outraged and explained I would only give my birth date as I do n't know who they are. Upon giving my birthdate they tell me they are a collections company. 
I did not know my case went to collections initially and had no idea who they were. I called the hospital and they confirmed the case went to collections. The hospital also told me that my insurance carrier continues to not pay their bills or honor their contracts and to contact XXXX XXXX the XXXX XXXX and fire safety commissioner and I have and the case is being reviewed. 
When XXXX XXXX XXXX called I asked multiple times for them to send me a bill. They have not and told me they will not. I initially asked them about payback amounts and they refuse to work with me. They are telling me of the over {$5000.00} bill I will have to pay them back over {$400.00} a month for 2 years and again refuse to send me a paper bill so I can see the breakdown amount or confirm who they are. I have no indication by these phone calls they are who they say they are. They have called me every week at least 2 times even after I explained what I was trying to accomplish with the Insurance Commissioner as the case is in dispute and I have to wait for the outcome. Now todayXX/XX/XXXX they have called my relatives demanding they inform me of their call and to have me call them back. At this time I have blocked their calls and I will not speak with them. 
This company is not professional in demeanor, uses illegal tactics and has no regard for the situation.
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wrote a dispute letter to the third party company XXXX and to Transunion regarding this suppose debt however Transunion wrote me back stating that the updated my credit file. Transunion did not send me any documents stating that they verified this supposed debt with this third party company. How can they not investigate this suppose debt with this company and kept it on my credit file?
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I have been on the matching payment plan with the XXXX XXXX XXXX company also know as XXXX XXXX and have been paying the amount of {$80.00} for over a year and they matched me in XXXX and reported me as being XXXX days late now they did the same thing on XXXX XXXX reported me as being late on experian. When in fact my account is not late I have been paying as agreed and everytime I call their customer service department you get the run around, I explain to several reps this is damaging my credit report with experian. I need this incorrect reporting to stop.
Consumer complaint received 2017-10-30
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. (TX)

I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by XXXX, XXXX and EQUIFAX. I have reached out to customer service at XXXX, XXXX and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX - XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX EQUIFAX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

XXXX I used a XXXX account in XXXX to buy books for college classes I was taking off of XXXX. After using the account to make the stated purchases, I discontinued using XXXX for any future purchases. The Credit Card linked to the account expired and was not renewed. XXXX XXXX, I was contacted by XXXX to discuss possible fraudulent activity on my account. XXXX representative stated a Laptop was purchased XXXX XXXX XXXX XXXX using my XXXX account from XXXX and shipped to an address in California. I was asked if I made this purchase. I stated that I did not make this purchase. XXXX recognized that my account had been dormant with no use since XXXX. They stated that this would be investigated and stated they would contact me with any further information. I was contacted a second time by XXXX stating they confirmed this was possible fraudulent activity and would cancel this attempted charge and apologized to me. I stated in both phone conversations to please ensure my XXXX account was closed so that no charges could be placed on that account. This was recognized and further communication was given to me stating that all charges would be removed and the account closed. I completed all phone conversations with them to process the charge for investigation of fraudulent activity. XXXX XXXX, XXXX I was contacted by XXXX stating that I owed charges for a purchase in XXXX of the stated laptop above. XXXX stated they attempted to contact me for dispute of the purchase, but was unable to reach me. I stated the charge and activities were inaccurate. XXXX stated they understood this, but I was still responsible for the charges. Please help
Consumer complaint received 2017-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

The below is a copy of a letter I sent to my loan servicer more than XXXX years ago. It best describes what has happened to me. If you want the supporting documentation, let me know. 

* * * * * * * * * * * * * * * * * XXXX XXXX, XXXX VIA FAX : ( XXXX ) XXXX XXXX Fedloan Servicing XXXX : Review for Payment Tracking, Acct : XXXX To Whom It XXXX Concern : I am writing this letter to advocate that the following XXXX payments I made be counted toward loan forgiveness. 


XXXX through XXXX, XXXX XXXX XXXX payments ) These XXXX payments are not being counted, I am told, because I was on a plan that was not a qualifying plan. Though that appears to be the case, XXXX is well aware that there are thousands of us in this position : We applied for the XXXX XXXX XXXX XXXX XXXX XXXX, and were mistakenly put on a non-qualifying plan by our ( now-defunct ) servicer, unbeknownst to us. I expressed this in detail in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. 

I have attached as documentation : An e-mail chain between me and XXXX XXXX, the Associate XXXX of my law schools XXXX XXXX XXXX, demonstrating that I knew what I was supposed to do and was acting on the correct advice ; and The original Master Promissory Note MPN I signed and filed on XXXX XXXX, XXXX, establishing Income Contingent repayment on my student loans. It bears a confirmation code as follows ; XXXX. 

As XXXX is aware, this is a widespread problem. XXXX, XXXX. : http : XXXX XXXX and XXXX, XXXX ( XXXX payments ) I was just informed via telephone that my XXXX and XXXX XXXX payments are not being counted. I am contesting that with the attached documentation. Until XXXX XXXX, I made my payments online at https : //www.dl.ed.gov/borrower/BorrowerLogin.jsp, which at some point ( but not for very long ) changed to XXXX. 






On XXXX XXXX, XXXX, I received a notice in the mail from XXXX, informing me that they would be taking on the role as my new loan servicer. When I called XXXX, however, they were not yet set up to take my XXXX XXXX payment. I made payment to the XXXX Department of Education. That check was cashed on XXXX XXXX, XXXX. I made my next payment online on XXXX XXXX, XXXX ; the first payment to XXXX. 

I have attached as documentation : My XXXX XXXX, XXXX, letter to XXXX Department of Education explaining that I needed to make a monthly payment, with Check No. XXXX attached in the amount of {$420.00} My bank statement reflecting that Check XXXX. XXXX was cashed on XXXX XXXX, XXXX, which rendered it a timely qualifying payment. 
Proof of my XXXX XXXX, XXXX, to XXXX, online, with a confirmation number as follows : XXXX. 

Both my XXXX and XXXX XXXX payments should be counted. I expressed this in my XXXX XXXX, XXXX, letter to Fedloan Servicing, attached for your reference. For some reason it was not rectified for reasons unclear to me. 



Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

Called Wells Fargo Bank to get a mortgage payoff amount and the address to send the funds to. Bank provided an address in XXXX XXXX. Sent a cashiers check by certified mail XXXX to make the XXXX XXXX deadline. Called on Monday XXXX to check on the process. Wells Fargo indicated that the address provided was incorrect and it was our problem to sort it out. They deliberately provided the wrong address to delay the payment and garner more fees. Wells Fargo has been difficult about the pay off from the beginning and just looking to rack up fees.
Consumer complaint received 2017-10-31
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: Early Warning Services, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX CONSUMER ID : XXXX Dear Senior Officer, I, XXXX XXXX, hereby declare that XXXX XXXXXXXX XXXX has defamed my reputation by reporting several accounts. Furthermore, XXXX XXXX XXXX keeps slandering and abusing me. I hope you can righteously restore my reputation and help me recover from this grevious crime committed by this institution by deleting all inquiries and accounts from XXXX XXXX XXXX. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (WI)

This debit was paid sometime last year & if there is a new account it 's bogus! 

Account Details Last Reported XXXX XXXX, 2017 Collection Agency DIVERSIFIED CONSULTANTS INC Original Creditor XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Account. 
Balance {$260.00} High Balance {$260.00} Remarks -- Creditor Contact Details DIVERSIFIED CONSULTA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2017-10-31
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: WELLS FARGO & COMPANY (TX)

I have lost my Wells Fargo XXXX XXXX XXXX Credit card on or about XXXX/XXXX/XXXX. I was not able to found out about the card being lost/stolen until XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. I called and reported my card being lost with all the fraud activities. There were hundreds of fraud activities on my card from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX totaling almost XXXX The reason why I was n't able to notice it for so long is because I was a victim of XXXX XXXX and my house got flooded. I had to stay at my friend 's house for couple of days. Then I got really busy with work, home insurance, contractors and fixing my house. 
After few days after I reported my card being lost I have received a letter from Wells Fargo stating that my claim has been denied because there was a transaction made after I reported the card lost/stolen. I Do not agree with the decision as there is n't any transaction after I have reported my card lost/stolen and if there is any I am totally unaware of it. There might be a possibility that the transaction was made earlier but posted by merchant later. I called Wells Fargo and I was told that one of the transaction was approved by my phone thru text message. I am unaware of that and I did not approve any transaction. I was at my friends house then I moved to hotel as well, any one can have access to my phone. 
All of the transactions that were made from XXXX XXXX, XXXX thru XXXX XXXX, XXXX are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 
I will be reporting this fraud to all the credit bureaus. I truly believe that Wells Fargo employees still putting their customer 's identity on sake and not what they suppose to do.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$7000.00} XXXX XXXX Balance : {$7500.00}
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to PayPal. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a PayPal account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a PayPal account. This also happened to my sister a few years ago with a fake PayPal account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We spoke to Bank of America nearly 4 months ago because we used their Billpay service to send a check to our HOA for a check for {$250.00}. This was on XXXX 2017. However, the check was stolen and cashed. The signature on that cashed check was not the HOA 's signature, and the account was not under the HOA name. We reported this check as stolen with the police. 

Bank of America, however, has yet to actually refund our check ( 3 months later ). They told us that we would get the money back in 90 days for sure. However, it 's been more than 90 days and they are saying that they are still waiting on the Federal Reserve to refund. I 'm not sure why they promised us we would get the funds back in 90 days if it was n't true. 

It 's taken more than 5 phone calls, countless hours and emails so far and we have not had the funds returned.