davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
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: Experian Information Solutions Inc. (IL)

I have many inquiries on my credit report from XXXX, XXXX, and Experian. I already submitted a dispute with Experian. 

I have a fraudulent alert on my credit report that the only time anyone can run my credit it is someone calls me over the phone to verify it is me doing the inquiry or that I am present at the store with a phone ID and representative calls in to their credit office. All my credit cards that I have acquired have been done with that process. I have asked requested disputes prior and they have been ignored by these XXXX major credit bureaus. They have asked for proof, the proof is on their report with a fraudulent report statement in there on site when you pull my report.
Consumer complaint received 2017-11-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (FL)

A XXXX XXXX XXXX XXXX FROM XXXX XXXX XXXX WILL NOT STOP CALLING MY PLACE OF EMPLOYMENT ..I HAVE REPEATEDLY TOLD THEM NOT TO CALL MY EMPLOYMENT AND TO CALL MY CELL PHONE ONLY..THEY XXXX ME TO THE POINT I DO NOT EVEN ANSWER MY PHONE..AND BLOCK EVERY SINGLE NUMBER THAT IS UNKNOWN TO ME..
Consumer complaint received 2017-11-24
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 (NY)

My Student loans are being serviced by Fedloan Servicing. This company does not seem to employ anyone with financial knowledge. They can not furnish me with any documentation showing what my deferred interest was and how it was calculated. How is it that they can claim I owed them X but not be able to provide indisputable evidence? They also can not explain how P & I payments are handled on simple interest calculation. They do not allow for principal reduction payments as they state as soon as they receive your loan payment interest is being charged on a per diam basis, which is correct ; However, what is not correct is the timing of when they apply your payments. I believe they are deliberately crediting payments late. My monthly payment is {$310.00} a month and I pay {$360.00} a month. The payment is made electronically every day so its ACH which means it should be applied within 2 days of the ACH. The extra {$50.00} should go toward principal and the interest should be calculated on the remaining balance and thus my monthly payment should drop slightly. Each time they receive the additional {$50.00} it should satisfy additional principal as the interest owed each month should be slightly less than the month before. This is not happening and no one at XXXX XXXX can explain why. How is it that every bank has to be completely transparent or face federal scrutiny but this company seems to be above the law. They are not transparent and when a company is not transparent it means they are up to something and this company is up to something and they need to be investigated.
Consumer complaint received 2017-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (TX)

I had a {$36.00} balance in collections with EOS CCA from a XXXX XXXX XXXX account. First, I did not start receiving bills until XX/XX/XXXX when I lived in Texas and after several communications with EOS, it turned out that this was from an old Ohio address from XX/XX/XXXX. And at that point, I had spoken to XXXX XXXX in Texas and it was confirmed that we had a {$0.00} balance so I had thought this was taken care of. We were never notified that this was from Ohio. I then tried to dispute the {$36.00} with the credit bureau which was then unresolved. When working with a mortgage lender, I found that this account is impacting my credit score by more than 20 points. Finally on XX/XX/XXXX I called EOS and paid the {$36.00}. I now currently have a $ XXXX/closed account with EOS and XXXX XXXX. When speaking with EOS, I asked them that since the account was closed and paid in full and it is impacting my credit score so significantly, if they would delete the account from my credit report. They refused. I spoke with managers and associates more than 4 times in the past 3 weeks trying to resolve this because it is such a small account and there was so much confusion. I was never notified of the important details of this account from EOS, thus I do not feel that it should reflect on my credit report. If the {$36.00} was valid, I could have paid it years ago. I then spoke with XXXX XXXX directly on XX/XX/XXXX via Chat and via phone. This was the date that XXXX XXXX informed me the account was from XX/XX/XXXX. On this day, a woman from XXXX XXXX submitted a ticket to EOS asking them personally to remove the account from credit because she agreed that for this little balance, it needed to be removed all together. Then on XX/XX/XXXX, I called to check in on the ticket and was told by a gentleman that the ticket just asked for a {$0.00} balance when she has specifically agreed to submit a " Deletion '' request. So this gentleman then submitted a " Deletion '' request. He apologized as well, also agreed this was ridiculous and said he would do everything he could to help with EOS. After submitting THIS ticket ( I have this ticket number he provided to me ), I called EOS back. I asked EOS to review the XXXX XXXX ticket to get this deleted and they refused to even look at it and said " we do not delete and your account is closed ''. Bottom line, I am trying to get housing for my family and this {$36.00}, although paid in full, has been an ongoing issue that I really need help with getting resolved. Thank you for your time and assistance.
Consumer complaint received 2017-02-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: WELLS FARGO & COMPANY (NV)

This issue is with Wells Fargo Bank. Unfortunately, I am a Wells Fargo customer. I got a promotion letter in the mail from Wells Fargo to apply for a Wells Fargo Discounted loan starting at 6.99 %. I go online to apply and the interest was at 8.97 % because I had excellent credit at XXXX credit score. I have no credit cards. I needed the loan for my wife 's XXXX that was n't covered by insurance. I get a call that the loan is approved and to come by the branch to sign the paperwork and obtain the funds. Nothing was mentioned to me about interest rate or payments. I go into the branch and low and behold I am blindsided by the banker with an interest rate of 13.99 %. I voice my displeasure and the banker makes a phone call. The manager says that is the best we can do. I had no choice but to sign the paperwork because it was too late to get the funds elsewhere in time for my wife 's XXXX. I did n't ' let this go and went up the chain. Someone in Iowa reached out about 7 weeks later and said sorry that is the best we can do. I believe that Wells Fargo committed Fraud here to obtain my business. They did the classic bait and switch option here. No wonder there new accounts are done by 41 %. This is truly unacceptable customer service by Wells Fargo. This is not the way to treat a Wells Fargo customer. I feel that took advantage of my situation because I need the loan funds to pay for my wife 's XXXX. Just plain not acceptable at all!!!!
Consumer complaint received 2017-11-10
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. (SC)

According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY (MT)

on XXXX of XXXX we did a repair on a customers vehicle that totaled {$6600.00} on XXXX of XXXX I received a dispute letter from merchant services in XXXX  md. that stated I was being billed back for {$4900.00} because customer said the parts we put on failed so  early that we probably did n't put the parts on the customer paid for so I filled out the dispute letter with the invoices for the turbocharger from XXXX in XXXX mt. for {$3800.00} and the invoice from the charge air cooler from XXXX XXXX in XXXX mt. for {$1100.00} totaling the {$4900.00} about a week later we got refunded the {$4900.00} and  I thought it was done but on XXXX of XXXX I received another letter from merchant service that stated the {$4900.00} was pulled out of my acct again with another letter that stated this disputed transaction can not be remedied since you failed to respond to the request for additional information well I never got another letter from XXXX XXXX so I called customer service and they told me the case was closed because I did n't respond to the second letter I told them I did n't receive the second letter they basically said to bad we mailed it not our fault case is closed chock it up to the cost of doing business I was so mad I could n't believe she said that I asked to speak to a manager and was rudely told the same thing I asked them what proof they had that they even sent the letter they said we mailed it to youre business on regular mail not certified or emailed or faxed if it got lost in the mail that 's not our fault but apparently its my fault I feel this is wrong the parts put on the vehicle carry original equipment warranty and should have been handled as such if they had another failure I was not contacted by anyone on this repair except for once the customer called and said he was having a problem in Utah and I told him to take it to a XXXX certified dealership for repair I do n't feel I was treated fairly in this case as I never had an opportunity to respond to the second dispute plus if the mail lost it why do I have to absorb this cost XXXX XXXX  XXXX XXXX XXXX XXXX md. XXXX XXXX case # XXXX XXXX XXXX repair XXXX mt.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Looking at my credit report i see an account that does not look accurate. I would like to have this investigated because is is affecting me getting credit. I need this account to be investigated for accuracy. Below is the account that i need investigated for complete accuracy. 

Account- XXXX XXXX acct # XXXX
Consumer complaint received 2017-11-10
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: Experian Information Solutions Inc. (MO)

I have send several certified letters and filed several complaints regarding a late payment from fed loan that the credit bureau has continued to report on my credit report as a late payment. This allegations of late payment is DEFICIENT of CERTIFICATED PHYSICAL PROOF of be adequately and fully COMPLIANT to all mandates and laws as related to my state, FCRA and METRO 2 data formatted reporting standards. You MUST annul Today, even NOW as you are NOT authorized to retain much less report any information or aspects of adverse data that is NOT TESTIMONIAL in its 100 % TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, & proven documented OWNERSHIP of mine or of proven documented RESPONSIBILITY of MINE. DEMONSTRATE confirmation of all data, dates, balances, calculations, identities, audits to include the requisite 426- character P6 statements and all of its trailing segments, the minimal Five portioned identifiers all 386 pieces to confirmation to collect and every aspect of the alpha-/ numeric -/ and or alphanumeric sources codes. RETURN or return OBLIGATORY compliance with your federally defined timely deletion of any and all adverse notations that are deficient of physical evidence of proper reporting.
Consumer complaint received 2017-03-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Acceptance Corporation (VA)

I had a membership with a gym ( XXXX in XXXX VA ) and moved out of the area before my membership was over. I called the gym immediately and submitted all required documentation of my change of address as requested, and the gym agreed that I would not be held for the remaining balance, nor would I receive any further charges. I am being fraudulently charged for the remaining balance through a collection agency, and I am not the only member of this gym facing this issue. 

Also, the debt collector also filed the debt as a late payment. Even if I owed this debt, which I do n't, a late payment does not exist with the debt collector, and is fraudulently damaging my credit score.
Consumer complaint received 2017-11-09
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. (TX)

I have tried calling Equifax regarding this issue. But there seems to be a serious bug. My updated electronic report has not been available from equifax online for nearly two months. My bank has attempted to view my report for mortgage and I also have tried through the online service that I pay for. I continue to get error messages stating that my report is either unavailable or two new to generate a score. I know i have had credit for over 20 years. something is terribly wrong. I even received a call from experience stating that they tried pulling all three of my reports in order to update my subscription for credit monitoring, but that my equifax report was producing an error. I have no problem receiving a manual hard copy of my report, but i am unable to receive an electronic report via my lender, credit monitoring agencies, or directly. 

I need equifax to look into this matter again for the third time and reset my report. Thats the best way I can describe it is i need them to reset my report. my credit card companies are not able to give me a refresh of my monthly equifax score due to this unexplained error. 

I logged into the equifax trueidenty data help and still unsuccessful with obtaining an updated report and or score. There is an unexplained Error that restricts this info. It 's not a fraud alert or credit freeze. It is a credit release or view error. I called equifax and was told that I should have lenders call them and use the business side of request. This is an unexplained process and I should not be limited from services that I pay for or request when it comes to my report and score.
Consumer complaint received 2017-11-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc. (VA)

Starting at XXXXXXXX XXXX on XX/XX/XXXX a company that identified itself as XXXX XXXX XXXX XXXX ( XXXX ) called my cell phone. I missed the call but returned it as soon as I could. On this first call they refused to give me any information as to who they were and why they are calling me. Since that initial contact they have called me 12 times. on XX/XX/XXXX at XXXX XXXX I finally talked to a different person that identified themselves as calling from XX/XX/XXXX. They said that they were calling to collect a credit card debt. They gave me the information and it was clearly the wrong person and a debt that I had never acquired. I ask for proof in writing and they said the law did not mandate it. Since that conversation one hour ago they have called me 2 more times.
Consumer complaint received 2016-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp (NY)

I was called last year informing me that I am eligible for student loan consolidation. posed as a government organization they informed me all of my loans would be consolidated. Instead all they did was get all my information and pay a third party to fill out a student loan consolidation application when I could have done it on my own for free. all in all my loans did not get consolidated and I went on fedloan.gov today and completed the application myself.
Consumer complaint received 2017-11-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX I used the drive thru ATM at the Wells Fargo branch located at XXXX XXXX XXXX XXXX, TX XXXX to deposit Money into my personal checking acct. I put {$2200.00} in {$100.00} bills into the ATM. It asked me to verify a {$1700.00} deposit. I replied " no '' and pushed the button to return all items inserted. I returned XXXX  {$100.00} bills. I looked around on the ground and saw no other bills. I then took the bills returned inside the branch and had the cashier/teller count them. She put them in a bill counting machine and confirmed XXXX {$100.00} bills. I asked the teller if they would mind opening the ATM to see if the missing bills were jammed inside. I was told at that time that Wells Fargo does n't own, have access to, or audit those ATMs. The company that does own them audits them every 2 or 3 days. I filed a claim there and was asked if I would like Wells Fargo to temporarily cover the {$600.00} loss while the claim was investigated. I said I would and deposited the {$1600.00} plus the {$600.00} credit into my checking acct. On XX/XX/XXXX Wells Fargo debited my checking acct {$600.00} informing me that the ATM owners had found no overages and the ATM balanced. This action put my checking acct in a negative balance and I was charged a {$35.00} overdraft fee. The following day a bill I had previously scheduled to debit was payed by Wells Fargo adding to the negative balance and I was charged another {$35.00} fee. Total loss {$670.00}. Wells Fargo advertises the ATMs as their own giving consumers the feeling of security in using them. Their Logos are prominently displayed on them and their website encourages consumers to use them as being safe, secure and reliable. However, they neither maintain or audit them, leaving this to a second party company. I followed up with Wells Fargo on XX/XX/XXXX stating I disagreed with the findings of the 2nd party audit ( owners of the ATMs ). Wells Fargo told me they would review the findings and that it would take 10 business days. Apparently they could find no discrepancies in the 2nd party 's audit results. I was advised of this through mail 3 weeks later.
Consumer complaint received 2017-11-10
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. (VA)

On several attempts Ive tried to contact Equifax to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ),  XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.
Consumer complaint received 2016-04-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This complaint is about Bank of america, location address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, on XXXX XXXX, 2015 I deposited a check into my checking account at the drive-up ATM in the amount of {$200.00} from XXXX XXXX. Bank of America took the money out my account within a week. XXXX XXXX states that the check was cashed by bank of America on XXXX XXXX, 2015 and has faxed a copy of the signed check to different workers numerous times on several different days. Its been three months and Bank of America will not give me my money.
Consumer complaint received 2016-09-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Louisiana Recovery Services Inc. (MO)

The original debt holder had 60 days to properly file this claim with my insurance. Prior to receiving services I was advised the cost outside of co-pay would be covered by my insurance. These services were only accepted because of the information provided by companies authorized personal.
Consumer complaint received 2016-06-08
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc. (WA)

Not only did I not recieve any notice to dispute, after I paid the FULL amount to Amsher collection agency they told me it would be taken off my credit report in a couple of weeks, or I can write a letter to there supervisor and request for it to be taken off. It 's my understanding after I paid the debt ( which was wrongly in collections because of change of address and no phone calls or anything about the debt until Amsher took it over ) that it should be off my credit report in atleast 2 months. It has now been 3 months and I have contacted them several times for them to take it off while it still says " Open '' on my report. They keep telling me I have to write a letter to the supervisor to have it taken off.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/XXXX/Equifax credit report immediately. See Attached document as documentation