davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

On, XXXX XXXX, 2017 Equifax admit it discovered the breach more than a month prior on XXXX XXXX. For " 41 '' days my Intellectual Property ( IP ) were exposed to, and were unaware of potential identity theft during that time. Equifax gathers private intellectual data also known as sensitive financial data on consumers ' payment history, then sells data to banks, insurance companies, potential employers, landlords, and government agencies in the form of a Consumer Credit Report ( " Credit Report '' ). As a result of Equifax 's data breaches, I have suffered or will suffer damages, including the costs associated with fraudulent purchases, identity theft, theft of funds, fees paid for credit freezes, damage to credit scores, the cost of identity theft protection.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

This company XXXX XXXX XXXX has sold to XXXX XXXX XXXX XXXX a debt collector a disputed rental account ( Due to unsanitary conditions and no air conditioning repair in 10 days in 98 degree weather and the fact the apts were rented out to drug addicts rehab, with the police there every day and night, property manager was never truthful about repairs, stated XXXX would not provide the money ) and has added themselves to my Credit bureau accounts as a creditor and has set up payment schedules showing me past due on or around XXXX/XXXX/2012 in the amount of {$1200.00}. I have never done business with Fair Collections and have not agreed to any payment schedule with them. What they have done is violate federal law regarding setting up fictional accounts as a debt collector just to collect a debt, without the consumers knowledge and approval. I complained to the Credit bureau, but they claimed that the debt collector responded that the debt was legally owed to them, which is a lie. There has not been any adjudication of this matter by any court and the XXXX XXXX and XXXX XXXX have conspired to try to make me pay them through the fictional account they have attached to my credit report.
Consumer complaint received 2017-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am exhausted trying to get Transunion to fix the errors required by law for them to look into to be fixed on my credit report. I have sent Transunion all supporting documents of my complaints and police report. I 've called them and written them as well and have received no response from them. My File number is XXXX. My file contains errors under the personal information section that does not belong to me. I 've never lived in Texas and I do n't know anyone that does. There 's an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This address is NOT MINES! This address was reported in the year of XXXX which is the same year I was a victim of identity theft! Transunion has my name listed as XXXX. My name is XXXX NOT XXXX! They have four numbers of which none of them belong to me. ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. They took down the number I called from in XXXX when I placed the fraud alert but I told them that was not my number and I did n't currently have a phone at that time. The following accounts listed are accounts I 've disputed numerous times and all they did was send me one letter that says " dispute not specific '' that 's it! The accounts are as follows : ( XXXX XXXX Account # XXXX ) : ( XXXXr Account # XXXX ) ( XXXX XXXX Account # XXXX ). This is my final warning before I pursue legal action against Transunion. to ensure compliance with this complaint and to halt any legal action I may take against Transunion I require a response from them. Failure to do so will act as evidence of their infringement upon my legal rights and I will immediately start legal avenues to remedy this situation
Consumer complaint received 2017-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation (MD)

I established an online retail credit account through XXXX XXXX 's website on XXXX/XXXX/XXXX. This was regarding a treadmill purchase. I was financed through XXXX XXXXXXXX XXXX and it was not under the terms advertised under the XXXX XXXX website. I have called XXXX XXXXXXXX XXXX on XXXX recent occasions in XXXX XXXX since receiving my statement. I also followed-up through email directly to XXXX XXXXXXXX XXXX on XXXX/XXXX/XXXX. So far no action has been taken by XXXX or XXXX XXXX. The account that I set-up on the XXXX XXXX website was for 18 months, with no interest. My XXXX  XXXX XXXX account is not showing a 0 % interest rate- as advertised and agreed to. My current APR is showing as 29.99 % which is incorrect. Please see the terms below on the XXXX  XXXX Website. 
" No interest if Paid in Full within 18 Months : To avoid interest, you must pay the full promo balance before the promo period ends. If you do not, we will charge interest from the purchase date at the standard Purchase APR. After the promo period ends, the standard APR also applies to the remaining balance and the charged interest. You are required to make minimum payments, but minimum payments will not pay off the balance on time. You must make larger payments to avoid the interest. Advertised monthly payment, if any, is greater than your required minimum monthly payment and excludes taxes, delivery, or other charges. Limited Time Offer. Regular account terms apply to non-promo purchases. Minimum interest charge : {$1.00}. Standard Purchase APR : 29.99 %. Prior purchases excluded.Account must be in good standing. Subject to credit approval. ''
Consumer complaint received 2024-08-28
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. (OH)

A hard inquiry showed up on my credit report ( TransUnion ) on XXXX. The company name listed was XXXX XXXX. I have not applied for, nor ever heard of the company before. I contacted XXXX XXXX requesting that they remove the inquiry from my credit report and to notify them that someone was trying to likely fraudulently open an account under my name and social security number. I provided them my full name, date of birth, current address and the last XXXX digits of my social security number. They were unable to verify that an application was made in my name. They were also unable to explain why a hard inquiry was attached to my credit report from their company. I requested that they send me a letter stating that they have no record of me applying for any of their services. They declined and said I needed to contact the credit reporting agency. I then called TransUnion to ask to have the hard inquiry removed. They told me that I needed to call XXXX XXXX and request a letter that would remove the hard inquiry. They then stated that if XXXX XXXX would not provide the letter, that I needed to file a complaint with the FTC, then send TransUnion a copy of the complaint with a hard copy of my driver 's license and Social security number in the mail. I do not feel comfortable sending copies of all of my personal information in the mail, especially considering the circumstances that are requiring this. If I can verify my identity to transunion and to XXXX XXXX, they should be able to remove the inquiry.
Consumer complaint received 2017-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

On XXXX XXXX, XXXX, XXXX closed my online account that I use to send money without notice. When I contacted customer service to find out why, I was told it was for security reasons but they would not provide me with any more information. This was very frustrating because I have been using this online service for about 4 years. It is very convenient for me because my work hours do not permit me to visit a location. Closing my account without providing me with some form of explanation does not really make sense to me. I feel like I have been discriminated against.
Consumer complaint received 2017-10-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: JPL Recovery LLC (FL)

Original date of incurred debt : XX/XX/XXXX Amount {$1400.00} Action Taken : Pursuing the debt collection through the court system Statute of Payday Loan Limitations : 5 years Company Name : Personal XXXX XXXX Actions by me : Verified their business license # XXXX
Consumer complaint received 2017-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TN)

I received two XXXX Grants : ( a ) {$3000.00} for Award Year XXXX and ( b ) {$4000.00} for Award Year XXXX Conditions of the XXXX Grant that would prevent it from converting to a Direct Unsubsidized Loan were : ( a ) I must XXXX as a full-time highly qualified XXXX in a high-need field, ( b ) I must submit annually a XXXX Grant Certification that states my intent to fulfill my XXXX Grant obligation and to document the prior year 's qualified teaching service. I started teaching at XXXX XXXX XXXX XXXX ( XXXX XXXX TN ) in XXXX, XXXX and I sent certification for the calendar year of XXXX. ( Exhibit 1 ) I graduated with a XXXX on XXXX XXXX, XXXX. ( Exhibit 2 ) In a letter dated XXXX XXXX, XXXX, XXXX XXXX stated that my XXXX Grant Service Obligation Period Start Date was XXXX/XXXX/XXXX. ( Exhibit 3 ) During the XXXX school year I remained at XXXX XXXX and submitted certification for calendar year XXXX. Due to confusion, this certification was sent on two different dates ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ). ( Certification 1- Exhibit 4 ) ) I transferred to XXXX XXXX XXXX for the XXXX school year. Certification for Calendar year XXXX was submitted on XXXX/XXXX/XXXX. ( Certification 2- Exhibit 5 ) I received a letter dated XXXX XXXX, XXXX from XXXX XXXX confirming that I had two years of  certification requirements remaining. ( Exhibit 6 ) Certification for XXXX was submitted on both XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. ( Certification 3- Exhibit 7 ) I received a letter dated XXXX XXXX, XXXX from XXXX XXXX confirming that I had one year of certification requirements remaining. ( Exhibit 8 ) Certification for XXXX was submitted on XXXX/XXXX/XXXX. ( Certification 4- Exhibit 9 ) A letter dated XXXX XXXX, XXXX from XXXX XXXX confirmed and stated that " ... you have fully satisfied your service obligation for the program of study ... and ... You have no further teaching, certification, or other obligations for these grants. '' ( Exhibit 10 ) XXXX XXXX then notified me that the XXXX Grants had been turned into unsubsidized loans. I have made repeated phone calls to XXXXXXXX XXXX to correct the error. In summation, my last XXXX Grant was received for the XXXX academic school year. I graduated from the XXXX Grant eligible program on XXXX XXXX, XXXX. ( Exhibit 2 ) I then fulfilled my 4 years of teaching and certification requirements for XXXX, XXXX, XXXX, and XXXX. It is my contention that XXXX XXXX has either erroneously or fraudulently converted the XXXX Grants into unsubsidized loans.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: SYNCHRONY FINANCIAL (VA)

Today I was called by a " locating company '', who misled me by listing their name on caller ID as a person, not a company, who told me to call XXXX and refer to case # XXXX. I called the number and they said they were an attorney 's office and it still shows on my credit report that I owed XXXX ( XXXX ) and now that they located me, my choice is to pay them TODAY or go to court. The man kept saying I was going to be sued. Numerous times, now that they have located me. They said they were suing me for breach of contract, in the amount of XXXX (? ) or I could pay {$2700.00} after I went to court. I said I had to call my son. I think I got this card when I was in XXXX, NC and we went bankrupt while in XXXX. We moved to Virginia in XXXX. 
I told them there was a statue of limitations and we had gone bankrupt. The man said there was no statue of limitations and I could pay or go to court. The man kept saying that it still showed on my credit report. In VA, the statue of limitations is 6 years. It has been 12 years and I do not know why they are harassing me now. My husband died, I live on a fixed income and there is no way I can pay this bill. Plus, it should have been taken care of by our bankruptcy. The man said the name of his company so fast I could n't hear it. I asked him 3 times who? I did n't understand the name of the company OR the man 's name. 
I lived in XXXX, VA for 10 years and I have received NO paperwork when I lived there. I moved, and I have received no paperwork since I moved to my new address. I have been here 2 years.
Consumer complaint received 2017-10-13
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: Experian Information Solutions Inc. (FL)

To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the attorney general office. 


XXXX XXXX XXXX Acct # XXXX EXPERIAN
Consumer complaint received 2017-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo ( Wachovia - XX/XX/XXXX ) failed to protect my my mother and father 's checking account from a convicted felon out on parole. All account funds were exhausted in the approximate amount of {$140000.00} across a XXXX period. Prior transactions on the account were small and infrequent, and Wells Fargo failed to notify both account holders and protect our funds despite the alarming increase in transaction frequency and amount. 

My family and I looked to recover our money through a number of avenues, including contacting Wachovia executives directly. Our pursuits to recover our savings were consistently denied with insufficient reasoning. My father passed away in XX/XX/XXXX and thereafter my mother, sister and I no longer had the energy or will to pursue the case against Wachovia after the loss of our father. Although we tried to move on from this remarkably terrible time in our lives, we have been consistently reminded of the failures of Wells Fargo as one of the largest financial services company in the world to serve their customers with integrity. Most recently when listening to XXXX XXXX XXXX on XXXX, we were encouraged to file a claim through the Consumer Financial Protection Bureau in hopes of a satisfactory response by Wells Fargo to begin to right their history of wrongs. 

Please see below for our loss history through XXXX : XX/XX/XXXX : 1 check = {$1000.00} XX/XX/XXXX : 5 checks = {$10000.00} each = {$50000.00} XX/XX/XXXX : 1 check = {$40000.00} XX/XX/XXXX : 1 check = {$16000.00} XX/XX/XXXX : 1 check = {$4200.00} XX/XX/XXXX : 1 check = {$15000.00} & 1 check = {$3000.00} = {$18000.00} XX/XX/XXXX : 1 check = {$8000.00} XX/XX/XXXX : 1 check = {$4500.00} XX/XX/XXXX : 1 check = {$1000.00} TOTAL LOSS through Wachovia = {$140000.00} *** Cash Advances through XXXX XXXX XXXX were reimbursed per our request and their investigation into this claim in XXXX.
Consumer complaint received 2017-11-12
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: CRESCO CAPITAL INC. (TX)

Status Date Reported XX/XX/XXXX Payment Status Repossession/Foreclosure Account Status Derogatory Account Details Bureau Name CRESCOCAP Account Number XXXX Account Type Lease Responsibility Individual Original Loan Amount {$57000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Date of Last Payment XX/XX/XXXX Monthly Payment {$1100.00} Term 50 Months Payment Frequency Monthly ( every month ) Worst Pay StatusUnknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NE XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (VA)

I have already filed two complaints with the CFPB regarding Navient and their illegal handling of 3 student loans that I obtained for my son to attend XXXX University. 
1. Total number of loans is not accurate 2. Loan amounts have been almost quadrupled from original balances.
3. 1 loan for my son 's last semester was a private loan through XXXX. 
4. I filed a Chapter XXXX BK in 2014 and student loans were discharged. 
5. The private loan can no longer be collected by XXXX and they show it " charged off '' with the credit bureaus which has ruined my attempt to re-establish a good credit score. 
6. XXXX sold two " XXXX XXXX '' loans to Fed Loan servicing. Balances were quadrupled. 
Have sent " Certified Written Requests '' to both XXXX and Fed Loan Servicing demanding copies of the notes they claim I owe as well as a payment history and a history of all charges to my account. 
7. XXXX could only produce 1 application, no note and no payment history. 
8. Fed Loan has ignored my requests completely and is now charging me a ridiculous payment of {$570.00} per month. 
I am XXXX XXXX XXXX and can not afford ridiculous payment amounts and am not legally required to pay on a note that can not be substantiated. 
I work in XXXX XXXX and know the legalities that are involved. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-12
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing has caused me years of extreme harm attempting to embezzle my property to enrich themselves. 
( 1 ) I Attached my XX/XX/XXXX drivers license with my signature on it.
( 2 ) After the year XX/XX/XXXX is when I changed my signature the way that it appears on recent documents. 

( 3 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification and the schedule A without my signature and initials that Ocwen Loan Servicing sent over to the CFPB responding to my consumer complaint.
( 4 ) I attached the bogus XX/XX/XXXX American Home Mortgage loan modification with my forged signature on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 5 ) I attached the bogus American Home Mortgage scheduled A with my forged initials on it that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
( 6 ) I attached the bogus XXXX with invalid tracking number that Ocwen Loan Servicing employee XXXX XXXX sent over to the CFPB responding to my consumer complaint.
Ocwen Loan Servicing is running a unorganized crime operation paying its employees high salary 's to become professional pathological liars, training its employees how to harm as many homeowners as possible - embezzlement. Ocwen then uses the money that it embezzles from homeowners to pay lawyers who will turn a blind eye.
Consumer complaint received 2017-11-12
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. (MS)

On XXXX XXXX, XXXX, I made the complain on the Consumer Finance website XXXX, today, I got a response from Transunion and they have not removed the false debt collections from medical finance. I have sent explanation of benefits and I have sent this complaint on Transunion website with no success. I do not owe this debt and it must be removed from my creditfile.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I respectfully request immediate attention to an unresolved matter pertaining to a collection entry on my credit report. Despite the successful resolution of a legal dispute in XX/XX/year>, a company has reported a collection under a different entity name, leading to confusion and concern. I have diligently attempted to contact the company on multiple occasions over the past XXXX months, specifically on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX yet regrettably, my efforts have been met with silence. I urge the intervention of the CFPB to facilitate the rectification of this error by the company and the consequent removal of the collection from my credit report, as its presence continues to detrimentally impact my credit standing, despite its legal resolution.
Consumer complaint received 2017-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased a XXXX XXXX XXXX in XXXX XXXX for a sale amount of {$13000.00}. As a young purchaser I was stuck with an extremely unfair interest rate when I have now paid a total of {$21000.00} for this car. During the period of XXXX XXXX to XXXX XXXX I occurred late payments and even a repression of this vehicle. In an exchange of paying {$1500.00} to get the car back. The rep agree to get repossession and late payments deleted, as well as mlve repossession fee to the back of my loan repayment. The rep fee was delayed but late payments and repo still reflect on my credit report. And it is not reporting correctly. During the time I received the late payments, I never received a bill to my address. Please contact Capital One Auto Finance and assist with getting what they have been report unfairly, fair. Thank you