davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (ID)

I missed 3 payments in a 6 month period due mainly to a medical hardship that required a XXXX. I had called Wells Fargo Dealer services who owns my loan to catch it up. At that time they were in process of repossessing my vehicle and did so at my place of work jeopardizing my job. I called the dealership to stop the repossession and Wells Fargo flatly refused to stop the tow truck driver. My 3 missed payments total {$1800.00}. Wells Fargo dealer services insisted I pay them {$3100.00} and do so within 9 days to get my car back. I told them I am willing and able to pay {$1800.00} plus a late payment of {$250.00}. They rudely refused my offer of {$2100.00} total and used strong-arm tactics to attempt to coerce me into paying the {$3100.00}. Inquiring what the additional {$1000.00} was for they told me {$750.00} was for the towing and impound. I called the tow company who is also the impound yard. They said their charge was only {$150.00}! So what gives Wells Fargo the right to coerce me and gouge me {$600.00} additional?! If theyd just accepted my catchup payments plus late fees to release my car and reinstate my loan, this problem would be resolved. And they didnt need to repossess my car at my work. It jeopardizes my job as a 25 year XXXX XXXX XXXX ( a difficult field to get a job in these days ) and my ability to earn for my family. If theyd accepted my better than good offer, this wouldnt have needed to happen and both me and Wells Fargo wouldve been good.
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXXXXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX CT , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. 
Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX   XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX
Consumer complaint received 2019-05-18
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: Receivable Management Group, Inc. (GA) (FL)

The purpose of this complain is to advise you that an improper investigation was conducted by XXXX. XXXX failed to provide me with a copy of any original documentation for example, a consumer contract a with my signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 
Furthermore, XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), pertaining to a debt claimed wrongfully being reported by RMG Receivable Management Group.
Consumer complaint received 2019-05-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (WA)

I requested an explanation of the debt and the company sent a copy of a promissory note from another creditor from 2003. Based on this information alone, the debt is past the statute of limitations in Washington state. A proper explanation of the debt includes payments made, amount due, date of last payment, and other relevant data to show the loan the collection agency is trying to collect is a valid debt, under the FCRA. Until National Enterprise Systems can show the valid debt, it should immediately remove the Collection Account from the XXXX credit bureau.
Consumer complaint received 2019-05-19
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. (AL)

I RECENTLY WENT TO PURCHASE A CAR AND I NOTICED A ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX FOR XXXX XXXX FOR XXXX THIS IS TOTALLY FRAUD I AM REQUESTING A INVESTIGATION BE CONDUCTED AND THESE ITEMS REMOVE FROM MY CREDIT REPORT ASAP!
Consumer complaint received 2019-05-19
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: EQUIFAX, INC. (MO)

I am sending my drivers license, and social security card to verify my identity. I request the security freeze to be removed from my credit profile because I cant access it online to file disputes, review responses or check my report. 
This is a huge hassle to me, I never asked XXXX to place personal fraud statements on the account or send them to other credit bureaus.
Consumer complaint received 2019-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score. 
Why? 
I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down
Consumer complaint received 2019-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Bank of America premium rewards card. The annual fee was waived the first year. I noticed that the annual fee posted online ( but wasn't yet billed ) and I called before being billed to cancel the card. I was told that the annual fee would not be refunded. The referenced account is Bank of America Premium Rewards Visa Signature ending in XXXX. I closed all of my Bank of America credit cards as a result.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MI)

AES XXXX needs to supply a promissory note between myself and them from the dates they reported I took out a loan with them in 2006. If they do not have a promissory note for the account they claimed I opened and signed for with them I want it removed from my report.
Consumer complaint received 2019-05-19
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. (KY)

I would like to dispute the following accounts, simply cause they are not mines, I did not cause them, no do I have any knowledge of these frivolous accounts reporting on my credit report. I'm asking that the 3 major credit reporting agencies remove the following unauthorized accounts. 

[ 1 ] XXXX XXXX {$600.00} [ 2 ] XXXX XXXX {$470.00} [ 3 ] XXXX {$400.00} [ 4 ] Dept of ED/ XXXX {$4500.00} [ 5 ] Dept of ED/ XXXX {$3500.00} [ 6 ] Dept of ED/ XXXX {$2200.00} [ 7 ] Dept of ED/ XXXX {$2100.00} [ 8 ] Dept of ED/ XXXX  {$2000.00} [ 9 ] Dept of ED/XXXX {$1700.00} [ 10 ] Dept of ED/XXXX  {$1700.00} [ 11 ] Dept of ED/XXXX  {$1300.00} [ 12 ] Dept of ED/XXXX   {$1000.00} [ 13 ] Dept of ED/XXXX {$100.00} ]
Consumer complaint received 2019-05-18
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. (NV)

I sent Transunion evidence that a medical collection was paid for the original creditor. They sent investigation results on XX/XX/19 saying Verified as accurate.
Consumer complaint received 2019-05-18
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. (TX)

i have four account on my report from two different student loan companies. My loan has been transferred to federal loan servicing, and these accts have closed. i do not want them on my report as they are no longer my accounts. i spoke to experian and told them i have not had a problem with XXXX or XXXX, i was told that experian can make their own policies on their reports and they CHOOSE to leave an account ( even if it is no longer yours ) on your report. I feel that this is not right, how is somebody to clean up their reports if a credit company can make up their own rules!!!!!!
Consumer complaint received 2019-05-17
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. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a mastercard through Bank of America for over 10 years. I have never missed a payment, paid my balance in fully faithfully every month. I received a form letter from bank of america in late XXXX advising me my account was closed. The letter provided generic possibilities as to the reason for closure but did not give me the reason for closure. They provided me their credit score of XXXX which is excellent. I proceeded to pay off my remaining balance with online access. I called a representative at Band of America a couple days prior to my final payoff and requested a check covering redeemed rewards points be mailed to my address. She advised that I should request the check redemption of the rewards points after my final payment. After the final payment, when I attempted to access the online account I was unable as the account was closed. I called XXXX at Bank of America ( XXXX ) on XX/XX/19. She found the letter submitted to me and she was also mystified as to the reason for closure. She was unable to find any evidence of my earned rewards points. She initiated a case with Case number : XXXX. I find the actions of Bank of America to be completely inappropriate. Not only have they damaged my credit by closing the credit card, they stole my rewards points after misleading me to request remuneration by check after finishing off my balance payment. Optimally, I should have my credit card account and points restored. Absent this step, I should receive a check for payment in full of my hard earned rewards points. I also feel an honest advisement of the rationale for the account closure after all of these years would be appropriate.
Consumer complaint received 2019-05-19
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (NV)

I have a student loan with Sallie Mae, it was opened in XXXX. I was paying it for 5 years, but I couldn't keep paying for all my debts because on the recession and my salary was frozen for 5 years, so I was forced to file for bankruptcy chapter 13. Sallie Mae closed my account and I didn't receive any information about it for those years under my bankruptcy. When I finished paying it last year XXXX, this account show up in my credit report under a new lender Navient. Navient didn't send me any information or anything to let me know I suppose to resume my payments, I discovered when I applied for a loan. It also shows some payments, I couldn't understand who was paying for it, at the beginning I thought it was a mistake, then I decided to complaint to the credit bureau, today I have their letter saying that in fact the account is belong to me. My complaint is why Navient don't send me any letter before starting reporting to my credit report, it's not fair, and why they add more than 10,000 to the original debt. I have to add that I'm a XXXX working for more than 10 year at inner schools and low income, helping the poorest families, and a single mother. I know there is only business, but our country is still and remains under God with liberty and justice for all, this company should start saying the pledge of allegiance, and do the right thing!
Consumer complaint received 2019-05-19
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. ()

There is a entry on my credit report from XXXX XXXX XXXX. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.
Consumer complaint received 2019-05-19
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. ()

There is a entry on my credit report from XXXX XXXX XXXX. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.
Consumer complaint received 2019-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

On XX/XX/XXXX I sold my home at XXXX XXXX XXXX, XXXX, Ga. XXXX. I live there for over 21   years. I had used XXXX  XXXX XXXX- Acc # XXXX -the entire time. I was never late or never missed paying my bill on time. Not once ever. The monthly bills for the last year, XXXX, average between {$60.00} and {$120.00} per month. The month after I moved I received a bill saying I owed {$340.00}. My payments were up to date as of the time I moved. I call XXXX  XXXX. XXXX immediately because I could not understand what the {$340.00} was about. The person I contacted gave me the run around that it was money 's they had not charged me for gas that was back due. Told her it sounds like something you have made up and want me to pay. I could not understand or follow anything she was saying about the situation. Told her to send me in writing, along with proof, what this supposed claim was about that you want me to pay. You need to give me the background, numbers, dates, etc. Never heard anything from them. On XX/XX/XXXX, I received a notice from a debt collector -- Convergent Outsourcing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, WA, XXXX for {$340.00}. This is eleven months after I had spoken with them and since I never heard back I assumed the situation was rectified. Now I see that XXXX XXXX XXXX evidently sold this fraudulent " Bogus '' claim to Convergent. I do not owe this money and I need your assistance in rectifying this false claim.
Consumer complaint received 2019-05-19
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

These Inquiries should not be on my credit report! XXXX ( Credit Inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) Capital One XX/XX/XXXX ) Capital One XX/XX/XXXX XXXX 's XXXX XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You
Consumer complaint received 2019-05-19
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: BARCLAYS BANK DELAWARE (MD)

These Inquiries should not be on my credit report! BRCLYBANKDE ( Credit Inquiry on XX/XX/XXXX ) BRACLYBANKDE ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You
Consumer complaint received 2019-05-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (TN)

2006 student loans that were paid off by sallie Mae, when they transferred to navient my account was obviously not properly updated in Sallie Mae records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of navient My credit score is getting major impacted on these collections to XXXX. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU
Consumer complaint received 2019-05-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (VA)

Last year I acquired a secured credit card through SunTrust as a way to build my credit score. As a condition of this credit card, I had to make a {$300.00} deposit on the card from my current Savings Account with SunTrust, which would be returned after a year of making regular payments on the secured credit card. 

After a year, my credit card was upgraded, but my deposit was never returned to my savings account. After calling SunTrust multiple times I discovered they had returned my deposit to me by opening a new Savings account without my knowledge. I received no notice that a new savings account had been created in my name and no information regarding the account details. I had to go in person to my bank and ask them to close the account and put the deposit back in my original savings account. As this {$300.00} Savings account created from my deposit was under the {$1000.00} minimum to waive monthly maintenance fees, my account would've slowly lost value due to monthly maintenance fees without my knowledge if I had not been proactive in closing the account.