davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been working with XXXX XXXX for the past 3 months trying to figure out why the loan I have with them has not been reporting on my credit as promised and included in the contract I signed with them it says so. This entire time I've had this loan since XXXX of last year it has not reported properly. Now -- this Wednesday is my last payment and every payment has been made on time and it's not on my credit! Before it was and the balance was high and not reporting payments made. This impacted me getting credit and that's why I asked them to fix it but they have NOT fixed it. I have reached out to the district manager -- -and even asked her if I could talk to corporate. NO one has called me back. I keep hearing it'll be on there in two weeks but still nothing.
Consumer complaint received 2018-08-21
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: Great American Finance Co (IL)

On XX/XX/2018 I redhead out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
Consumer complaint received 2023-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (FL)

I am a victim of the data breach from XXXX, My job XXXX, and XXXX. 
Merchants Credit Guide company has reported a collection account on my credit and it is not valid. On XX/XX/XXXX I send them a letter asking for proof of this debit. ( see letter ) I also send a copy to all credit bureaus on XX/XX/XXXX XXXX ( collection company ) send me a letter with no signature, no picture ID, and nothing confirming that this was my debit and XXXX is also reporting this as a late payment?? after this account was so-called closed. ( violation ). On XX/XX/XXXX I sent them a letter Advising them that they are in violation of the FCRA and FDCPA, Fair debt collections practices. They all keep saying that this was verified and it's not.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BUDGET CONTROL SERVICES, INC. (CO)

In XXXX of XXXX I entered a payment arrangement with this company for medical debt for my child. In XXXX of XXXX I agreed to pay the amount in full and was told it would be removed from my credit. Since then I have been getting monthly notifications that this company has been reporting a collection to my credit report with a {$0.00} balance which is significantly hurting my credit. 

On XX/XX/XXXX I called to see what can be done about it. The gal I spoke to said too bad and they almost took legal action on me a year ago so shes going to keep reporting it. I told her thats really uncalled for and not sure how she sleeps at night with that intent. She responded I sleep very well. 

I worked to pay this creditor off and am still suffering the consequences as if Ive never paid them. They are rude, inconsiderate and quite crass. 

This company is Budget Control Services in XXXX, Colorado. 
XXXX
Consumer complaint received 2023-06-09
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)

EQUIFAX continues to violate my rights as a federally protected consumer. I sent EQUIFAX MULTIPLE FTC Identity Theft reporting and letters and filed MANY CFPB complaints in regards to a fraudulent ( and delinquent ) XXXX XXXX account that continues to report on my credit report. They continue to remove and reinsert it back on my report. The reporting of this account is an ERROR and has been extremely detrimental to my health. It has additionally now caused my over credit cards that ARE mine to be negatively affected. Both of my XXXX XXXX credit card limits have been dropped over {$15000.00} in total. That is ABSURD. The account is NOT reporting 100 % accurate with any credit reporting agencies reporting the account ( see Exhibit A ). I disputed the account right away and XXXX permanently removed the account from my report. How can EQUIFAX verify that the account as " accurate '' when XXXX removed it ( Exhibit B and A show proof ) AND the information between EQUIFAX and XXXX doesn't even match ( ex. the open dates are different ). I have been in this dispute process with EQUIFAX for many many months and my health is taking a toll. If this does not get handled right away, I will be taking legal action.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I rented a car from XXXX on XX/XX/XXXX. After I drove the car to work I noticed the car had a mechanical issue with the gas pedal. Long story short XXXX promised me several times a follow up call from the regional XXXX to discuss my issues and they never called me so I went ahead and opened a dispute with Chase. 

I submitted my statement to chase and they immediately closed my dispute less than a week after it was opened because I did not cancel the transaction. XXXX XXXX, a supervisor in the disputes department used a restaurant as an analogy Well if you eat your whole meal then you cant get a refund Im sorry, but in my case I was physically unable to return the car or cancel the transaction because of the mechanical issue with the gas pedal. I had to drive side streets home because enterprise never told me about their mechanical issues hotline even after I called them several times about the issue. 

I am so disappointed with chase, Im pretty sure they illegally closed my dispute. The representative who called me from the XXXX, along with XXXX XXXX the supervisor both seemed highly untrained and unfamiliar with visa rules and practices. Neither would let me speak with a real XXXX.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, someone forged my signature and issued a super check # XXXX from my Wells Fargo business line of credit account # XXXX payable to XXXX XXXX XXXX XXXX in the amount of {$10000.00}. On XX/XX/XXXX, I saw this check cashed from my line of credit account, called Wells Fargo and reported this fraudulent check. I didnt write this check, I dont have this style of check and I didnt know any company named XXXX XXXX XXXX XXXX Wells Fargo temporarily refunded the {$10000.00} into my account. On XX/XX/XXXX, Wells Fargo debited my account with this check again and said the signature matched my account records. I called Wells Fargo again but they kept me waiting on the line with different departments and told me that they need 90 days for investigation. I reported this case to XXXX Police on XX/XX/XXXX with all the information I had. I also received a lot of calls and text messages from companies I dont know and they sent me some checks that I didnt write. I sent the fraudulent checks and text messages to the policed officer also. After 90 days, I called Wells Fargo again and faxed a letter on XX/XX/XXXX to request a re-open on my case. Wells Fargo denied my claim again on XX/XX/XXXX and said a second review still finds no fraud. I went to a branch and asked for help but the escalated complaint manager could only transfer the messages from the credit card fraud claims department. They sent me emails on XX/XX/XXXX and XX/XX/XXXX that my claim was still declined. I called XXXX police again and sent a email to Detective XXXX on XX/XX/XXXX. I am also faxing a letter to Wells Fargo again for the reconsideration of my claim on XX/XX/XXXX today.
Consumer complaint received 2018-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (NM)

Ocwen servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.
Consumer complaint received 2024-11-14
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit card accounts opened at XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX, the other opened on XX/XX/XXXX, personal credit card account opened at XXXX on XX/XX/XXXX, personal credit card account opened at XXXX Card Services on XX/XX/XXXX, and personal credit account for XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ), a mortgage account opened at XXXX  XXXX  on XX/XX/XXXX, two separate mortgage accounts opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and the other XX/XX/XXXX, a mortgage account opened at XXXX XXXX on XX/XX/XXXX, and a mortgage account opened at XXXX XXXX XXXX  on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Bank after 10 years of banking relationship closed my business account on XX/XX/2018 claiming I was high risk. My business is bank sponsored by XXXX XXXX which classifies me as a XXXX, not an XXXX. With all of the publicized problems, Wells Fargo has shown I feel this is business discrimination. I know there is a coordinated banking operation called XXXX XXXX XXXX and this is an example of it. I feel my business reputation has been tarnished and from a bank with a tarnished reputation, this seems hypocritical.
Consumer complaint received 2018-08-20
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. (PA)

I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX.- no idea. 
XXXX card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX XXXX/ It is XXXX XXXX XXXX . 
At one point I was listed as living in Montana AND a XXXX XXXX XXXX in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX XXXX from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there.

I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.
Consumer complaint received 2017-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I paid {$2200.00} in interest last year. They reported to the government as being just {$900.00}. You can go through my statements and just add the interest. but on the form XXXX it is not correct. Feels like they are trying to pad what they are actually charging people vs what they send to the Gov. So they dont look like they are overcharging interest. <P/>Keep in mind all of my accounts have been current for the past 4 years. I make plenty of money to over pay these loans every month and I do ( XXXX+credit score ). Nothing is late, yet, upon logging into my account and viewing the documents they are sending to me XX/XX/XXXX i got my monthly billXX/XX/XXXX I got a final delinquency notice??? XX/XX/XXXX another document that says 8th delinquency notice??? XX/XX/XXXX Default notice??? XX/XX/XXXX Account adjusted- They decided to change my due dates without any kind of permission or request so that they matched up? the document does not clearly show what they changed and why. <P/>On all the delinquency material it says payment {$0.00} This makes no sense. I 've never gotten a call. I am afraid they have been XXXX me for a long time and I need help. I would be willing to fund anything I need to so this does not continue to happen to people that are not aware. <P/><P/>Any time I email support I get a generic email back with no way to continue a conversation or respond to follow up. I ask a question. They completely ignore it with a generic response and I am left with no solutions. Im not an accountant by any means so there could be and probably is more here that i am not catching. <P/>Interest seems to be calculated wrong. They forced me into all these forbearances years ago, said that i could not do income based repayment when I had almost no income they just called my cosigners and told them they were going to destroy their credit. It really caused a lot of family problems. My aunt decided to listen to them and take forbearances and now i pay 200 % interest over principle every month!!!!
Consumer complaint received 2018-08-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AZ)

University of XXXX withdrew {$220.00} on XX/XX/2018 and another withdraw ( payment ) appeared on XX/XX/2018. - Unauthorized. When I realized, my acct was in negative standing. I called, spoke to a bank representative at US Bank, XXXX XXXX. I was informed to contact University of XXXX, have them reverse the fees and once refund is posted on my checking account, US Bank will credit back all NSF Fee charges accrued. I called University of XXXX and they apologized fees reversed. When first refund credit hit my account on XX/XX/2018, I called US Bank XXXX spoke to XXXX and she assisted with crediting back 8 NSF charges. She informed me to call back when the second refund posts so they can credit my account the remaining NSF Fees ( Meanwhile my checking account has been in a negative standing for nearly a month due to timing of refunds credited back ) The final refund was credited on XX/XX/2018. I called and the XXXX number told me there was nothing they could do. For me to call my branch. I called the downtown location '' : XXXX, was told the manager XXXX XXXX would contact me. I did not hear back in 2 days, so I called back, teller told me XXXX XXXX credited my account a one time courtesy fee of {$36.00}, if I had additional questions to call back. I did, and left a message. I am still owed a total of ( 9 ) {$36.00} Overdraft Fees, for a total of {$320.00}!! I am STILL in the negative and my paycheck has been swallowed to pay this bank back with my direct deposit!! I am still owed
Consumer complaint received 2018-12-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

I became XXXX  in 2013. I have not worked in the field that I went to this school for. I am currently waiting on my XXXX which will take another 7 months before I know anything. I am working with an attorney and also some of the schools cost for XXXX  XXXX was unfairly charged. The cost of the online course that I took was over {$30000.00}. It is a total rip off and I was unaware of the total cost. The way they had everything set up was unethical. I have been fighting to get these student loans for this online course off of my credit for years and they just keep deferring it and charging more interest to the loans. I didnt even know that I had many different loans. I was never informed of this and thought that I had one loan out for the entire course which normally cost around $ 6-8,000 and not over {$30000.00}. This is insane.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2018-08-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (CA)

In XX/XX/XXXX a company name Ad Astra Recovery Services reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX credit bureau. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.
Consumer complaint received 2024-10-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Moneytree Inc (NV)

On the XXXX of XX/XX/XXXX I took an installment loan out with a company called Moneytreeinc and upon taking this out I logged into the account to setup a complete payoff one week after the loan was taken out and notice they imputed another debt of {$520.00} on this account.

I called into this company to get details on why there was another debt listed on my account and they stated it was for a check that was cashed back in XXXX that came back as XXXX. I explained to them that this was the first time I have ever had dealings with this company and that I wanted proof of debt to be sent in which they refused to do but forwarded my complaint to their disputes department and hung up on me. 
On the XXXX of XX/XX/XXXX I received a call from the Moneytreeinc Consumer Complaints Department from a representative name XXXX last name was refused to be given. When I ask for this fraudulent item to be explained I was told, and I quote " XXXX- Do you know a person by the name of XXXX XXXX XXXX My response No! XXXX-interesting do you have a police report for identity theft? My response - One was file back in XXXX, but I don't have the file. XXXX- well we need that to further investigate. My response- So you're telling me you're trying to collect a debt from a check that was cashed in XXXX you're not giving me a date and the name you provided is not even me but you're going to try and force me to pay this? XXXX - XXXX! My response - Well this is not mine you're illegally trying to obtain a debt that does not belong to me, and I will be filing a complaint with the FTC and XXXX of Nevada and if needed file a Civil Tort and the conversating was terminated and she hung up. '' This company is creating debt and false names and trying to get people to pay those debts and this needs to be investigated.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA (FL)

I applied for a mortgage with Mortgage Lenders of America to purchase a house. I had original worked with XXXX XXXX, XXXX # XXXX ( Applied XX/XX/18 ) who then resigned and then had XXXX XXXX, XXXX # XXXX take over the process ( XX/XX/18 ). 

Ms XXXX on XX/XX/18 sent me an email telling me that I am not allowed to shop around for another loan. I called and filed a complaint with her manger XXXX XXXX XXXX XXXX XXXX she was reprimanded but then continued with her unprofessional behavior. She sent a retaliatory email the next day and again today ( telling I am wasting her time ).