davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IA)

I am a XXXX XXXX XXXXr and have applied for PSLF. My verification of employment was approved on XX/XX/XXXX. I was told it would take up to 90 days to process and count the number of qualifying payments have already accrued. As of today XXXX, XXXX, XXXX, this has not been done. I have repeatedly emailed FedLoan to ask when this will be completed and they keep telling me it takes time. I would like this to be completed so I know how many payments I have left before I qualify for loan forgiveness.
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  ; XXXX and Transunion are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.
Consumer complaint received 2019-08-13
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. (NV)

The following companies ran unauthorized credit report on me, XXXX, XXXX, XXXX XXXX XXXX I have never given permission for them to inquire my credit status, please remove it from my Equifax credit report
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy - No Asset, on XX/XX/XXXX that case was discharged. Included in that filing were two accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Charge Off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Collection/Charge Off Both of these should be showing zero balances ( they're not ) and should have note that they were discharged in Chapter XXXX bankruptcy. I provided Transunion with a copy of my Chapter XXXX BK discharge paperwork showing it was No Asset BK and that it was fully discharged. 

Transunion answered my request to update this information with the following : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 

Clearly it isn't correct and Transunion is NOT verifying and correcting anything, despite being given proof that my BK has been discharged. 

Additionally I had a card with XXXX XXXX XXXX  that was opened on XX/XX/XXXX and included in bankruptcy. They are still showing my balance as {$6400.00} when it should be zeros across the board. 

Transunion seems very uninterested in helping consumers fix their credit reports as appropriate. This has caused me MAJOR issues when attempting to gain access to credit to build my score/report back up.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXXsold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy : Bankruptcy Refereince number : XXXX
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I recived and deposit a check of {$900.00} on XX/XX/year>2024 from XXXX XXXX  and issued to me on XX/XX/scrub>/2024. Unbenowced to me the check was stolen and deposited into another accoount on XX/XX/scrub>/2024 that I do not own or have any knowledge about. I reach out to Wells Fargo that same night once I notice that the {$900.00} that I had deposited was now withdrawn from my accout. The agent I spoke to was not very knowledgeable and said my account and rounting number taking and that i should close out the account and created a case that doesn't seem to exist. I visited the branch on XXXX XXXX in XXXX XXXX on XX/XX/year>2024 were I was assisted by a banker who had discovered that the check had was stolen and deposited into a XXXX account. She advised me that the account wasn't compromised so I shouldn't need to close the account. She then when on to try to reach out to internal departments to see if we could get the issue resolve but it was all to no avail. I reached out to Wells Fargo again on XX/XX/year>2024 to check the status of the case that was filed with the original representative on XX/XX/scrub>/2024 and they ened up filing another case and stated the money should be refund after the investigation. After the 10 business day I called to check the status of the case and they stated there was nothing they could do since the check was cashed again, even though the check that was issued to me in my name, address, and signature had already cleared in my account. I don't understand how my financial institution allowed another on to withdraw money from my account and how XXXX allowed someone to deposit a check that was not issued to them.actions.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NC)

American Express is incorrectly reporting a business account on my personal credit. The account reporting in question has numerous inaccuracies including the payment history, charge off date and current balance. I have informed them of the error and requested the business account in question be deleted from my reports or that the entire account history be reported not just selected time frame of negative information.
Consumer complaint received 2019-08-13
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: Consumer Portfolio Services, Inc. (NC)

This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found CONSUMER PORTFOLIO SERVICES had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply by deleting the inquiry or providing the signed application, so an FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Consumer complaint received 2019-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (FL)

Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my credit reports. The collection agency is XXXX ( XXXX XXXX XXXX ). The original creditor was XXXX XXXX XXXX XXXX XXXX.Request for verfication was sent to XXXX, XXXX, and XXXX. Request for verification for this was sent to the bureaus by me, on XX/XX/XXXX. On XX/XX/XXXX XXXX updated the collection as a Closed account. On XX/XX/XXXX XXXX  sent notice that the company verified the account. XXXX voilated section 609 and 611 due to not conducting proper investigation and not correcting inaccurate information. The date of status on my report is XX/XX/XXXX which states on the XXXX  website this is the date the creditor last update the account. When the creditor validates the account this date should be updated. The account is inaccurate due to the open date, date of service, patient name with me as guarantor. I received a letter from XXXX on XX/XX/XXXX, that shows a {$0.00} amount due, with a Patient name : XXXX XXXX XXXX. This person is not me and I have never authorized to be a Guarantor for this person. Also the date of service shows XX/XX/XXXX I was not prosiding in the state that is listed as the place of service : XXXX, FL. Lastly the debt is being addressed to XXXX XXXX XXXX, my name is XXXX XXXX XXXX. My credit history is being affected by keeping an account on my report that I am not responsible for and doesn't belong to me.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

IC systems is collecting a debt for XXXX. The debt was put on my XXXX  credit report and I don't owe XXXX  anything. When I called IC systems I was told to contact XXXX. When I contacted XXXX  I was told that systems changed in 2015 and they dont know what the debt is for. If a company is unable to provide documentation as to why a debt is owed it should be removed.
Consumer complaint received 2019-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (CO)

This complaint is an addendum to a previous compliant ( XXXX ) which was not adequately investigated. Comenity Bank denied me a line of credit without running a hard or soft pull on my credit. Once denied, I pulled both XXXX and EXXXX showing that Comenity, either through negligence or discrimination, did not follow the Equal Credit Opportunity Act. I would like an investigation into the issue, requiring Comenity to prove that they follow fair lending practices.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING Acct : ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ) To Whom It May Concern : This letter is being sent to you in response to your recent communication. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Wyoming and Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by  purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. 
I require compliance with the terms and conditions of this letter or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. see See Wantz v. Experian Info. Solutions, 386 F.3d 829, 834 ( 7th Cir.2004 ) XXXX XXXX
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

The company served my mother on ( she is the secondary contact on the account ) XX/XX/XXXX. Then placed a judgement against us both in XX/XX/2019 without notice. The company lied to serve me on XX/XX/XXXX by stating they would not enter into payment arrangements without it. Also after contacting them they stated they would accept $ XXXX/mo for two years and now they are stating $ XXXX/mo till paid interest is paid off as well taking the total from {$13000.00} to {$16000.00}. They are also threatening to put a lean on my mothers property and garnish my wages.
Consumer complaint received 2019-08-13
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. (MO)

The following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

XXXX ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} XXXX ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} XXXX ) XXXX {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX
Consumer complaint received 2019-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (OH)

Chase quick pay with XXXX XXXX Money sent through XXXX to sellers bank account. Tickets not received. {$600.00} sent from chase to sellers bank. Unable to stop authorization once sent. Delivered and accepted. Tickets never received.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, "I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction(s) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All accounts were removed except "US Bankruptcy Court Clerk of XXXX XXXX CT " in the amount of $XXXX. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victim’sComplaint and Affidavit. This account is not mine and I am requesting that it be removedfrom my credit report.
Consumer complaint received 2019-08-12
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: Continental Finance Company, LLC (TX)

A credit card account was fraudulently established with Continental Finance Company , LLC using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with Continental to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from Continental responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from Continental confirming the removal of the account. I contacted Continental 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. Continental repeatedly refuses to provide any contacts within the company that can resolve this issue.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I was having an issue with something reporting on my credit file from a Credit Union it was finally resolved directly with the Credit Union and they indicated they would send the updated information to the bureaus. Equifax however indicates that there is a 90 day freeze on my credit file but I did not repeat did not request a Freeze, now my information can not be updated properly nor if I wanted to apply for something I can not even do that. The most important thing is they need to unfreeze my credit file immediately!
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VT)

My Loan was transfer from XXXX, who filed Ch. XXXX to LoanCare. Prior to my transfer I had requested a cancellation of my escrow, which was confirmed by XXXX. Something did not transfer right, only the insurance portion was canceled. When I made my payment without the escrow amount I was charged a late fee. I quickly resolved the issue but have been fighting with LoanCare for 4 months to have the fee reversed and apply my payment correctly. After I was told in XXXX & XXXX that the fee was reversed on XX/XX/XXXX and the overpayment that was put to the principal curtailment would be adjusted if I paid X dollars in XXXX. After my XXXX payment I received a call that nope I was given misinformation and that now I have a short payment again. I have requested that they pull the phone recordings to prove that it was not my fault and that their customer service confirmed the information. In the meantime they are refusing to complete the cancelation of my escrow because I have a late payment.
Consumer complaint received 2019-08-12
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. (MO)

I issued a few disputes in various ways about this already, but didn’t realize the scope of the problem. At first I thought this only was on my Equifax report. Now I realize it’s also my XXXX and XXXX as well!There is an account from a Collections Agency being incorrectly reported an my credit files.The account is from the collection agency, “XXXX  XXXX XXXX”, account #XXXXThis account was paid in full with a XXXX dollar balance, closed settled as of XX/XX/2016. It should not be active on any of my reports. I have submitted various disputed to all three credit bureaus now. Equifax simply responded that the Collections Agency is “not reporting at this time”.I should have no accounts in collections, and further, XXXX is displaying this item as a “Charge Off”, meaning that they say I still owe money for it.XXXX XXXX  XXXX needs to be held responsible for correctly reporting this item as “Closed with a Paid in Full status, as of XXXX), and being sure the credit agencies receive that information.I have a correspondence from them, verifying that the status of closed and paid in full is true and accurate, which I will attach, along with pictures of the Charge Off status from XXXX and the Open status from Equifax. This account still shows as active in collection on XXXX too. All of this needs to be corrected and properly reported by XXXX XXXX XXXX.
Consumer complaint received 2019-08-12
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: HSBC NORTH AMERICA HOLDINGS INC. (CT)

My credit card was compromised on XX/XX/2019 when I was travelling to XXXX. 
On that day, there were three fraudulent charges on my card. First, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the amount of {$920.00}, yet this charge didn't get through as I received the alert email from the bank. Second, I got two charges from XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX with the amounts of {$860.00} and {$43.00}. I call HSBC to reserve these two unauthorized charges but my claim was denied.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The bank asked me for two letters so they could release mu money according to them. One letter was written by the client who send me the wire, the other letter was written by a representative of the bank institution where the wire was generated. Both letters said that The funds are legally mine. However, Bank of America refuses to release my money.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (NH)

Applied for the XXXX XXXX issued by Goldman Sachs. Filled out the application through the XXXX app on my XXXX XXXX device. Was denied after the application was submitted. The reason I was denied was stated " recently missed payment '' reported by XXXX. I contacted XXXX and they gave me my official credit report that showed no recently missed payments. I contacted Goldman Sachs customer service about this and was told there was nothing they could do. I asked to be escalated up the chain and after three days of phone calls got a phone call on Saturday XX/XX/2019 from a supervisor at Goldman Sachs stating that there's nothing they can do to a traditional manual review as this system is completely automated for approvals and ratings. She also stated that even if it is an error with Goldman Sachs approval system that there is nothing anyone can do. I believe this is credit discrimination based on denied credit even though I qualify.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MO)

I paid cash to a us bank teller Saturday XX/XX/XXXX but received a printout saying XX/XX/XXXX even though it was for a credit card due XX/XX/XXXX