davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am aware that Transunion had two separate glitches and my inquiries were deleted and then re-added once the glitch was discovered. I am well aware of my legal rights and legal protections and they failed to notify me in writing within 5 days prior to re-adding the inquiries to my credit report. I contacted Transunion in good faith and asked them to delete the inquiries that they illegally re-added. These inquiries add a hardship and I feel like my rights were violated by Transunion.
Consumer complaint received 2017-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

When I was in medical school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX, '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and AES (  American education servicers ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, AES, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in 2008 ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a physician, and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked AES to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am self employed ). Which I consider to be a treat made simply because I asked questions.
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Tuesday XXXX XXXX, 2016 I lost my debit card shortly after leaving the bank. It took a couple days for me to realize my debit card was missing and when I called the bank the following Thursday or Friday to report my card missing I was informed that over {$1800.00} had been fraudulently charged to my account. At first the funds were credited to my account but then about 2 weeks later I recieve notification that the charges were not made in error and that I was responsible. Then the bank reversed the funds out of my account and left my account balance in the negative. I filed an appeal to their decision and did everything they instructed me to do and they still refused to cover my fraud claim even though their policy is 100 % Fraud Protection. When I refused to pay the negative balance now owed to my account as a result of this injustice, the bank went ahead and filed a negative report on my credit with XXXX XXXX. I found this out today when I was applying for a business account at another bank and was DENIED due to this erronious reporting. First they promise total fraud protection, then they break promise and take my money, and now they attempt to ruin my otherwise perfect credit. I 've accepted my fate and ignored the fact they STOLE over {$1800.00} from me but now reporting negatively on my good credit is where I draw the line.
Consumer complaint received 2017-08-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation (FL)

I spoke with someone representing the company Bridgecrest on several occasions and told them not constantly call all day and night. They call from different numbers back to back. They aggressively call my place of employment informing them of my personal business pertaining to the vehicle and demanded to speak to me. They are constantly harassing me morning and night even after making payment arrangements. It 's very stressful and humiliating.
Consumer complaint received 2017-08-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened a personal loan under my name and social for {$20000.00}. This was a result of my identity being stolen. I never opened an account with Wells Fargo. I attempted to dispute the account and was denied and not given any assistance. I call now and all I get is the complete run around.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

According to 15 usc 6802 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting. The company reporting the I have a late payment with first progress The address is not accurate
Consumer complaint received 2017-08-09
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. (FL)

I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against XXXX. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for XXXX to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. XXXX and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.
Consumer complaint received 2017-08-09
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: ALLY FINANCIAL INC. (LA)

I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.
Consumer complaint received 2017-08-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CIT BANK, NATIONAL ASSOCIATION (DE)

I tried to open an online saving account in XXXX XXXX 2017 and XXXX XXXX 2017 with CIT bank ( online ), but they rejected my application without a legit reason. I feel really offended and discriminated during the process. First time ever to have the issue with opening a saving account
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX  XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CO)

The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to XXXX. I am unsure of Equifax since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports.
Consumer complaint received 2017-08-10
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. (OR)

I have two collection accounts that were for medical bills and on both occasions the account was opened and then negatively reported within two months time. I paid in full the collection accounts and these should be removed from my credit reports according to the Medical Debt Relief Act of 2016.
Medical Debt Act of 2016 This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or ( 2 ) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. The bill also amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period ; and ( 3 ) the consumer may, during the 180-day period, either communicate with an insurance company to determine coverage for the debt or apply for financial assistance. The debt collector may not communicate with or report any information to a consumer reporting agency concerning such a debt during the 180-day period.
I have disputed these collection accounts to be removed but two of the credit reporting bureaus sent me their responses saying the accounts remained the same. They did not provide me with any information about what the investigation process was and why they remained unchanged. ( One of the credit bureaus did remove the collection accounts right away though ). The accounts in question are for medical bills from The XXXX XXXX, XXXX which were turned over to collections for payment. The accounts were opened and reported within 2 months time and this was even though I settled with the collector to make payments and I paid the debts off. I want these removed from my credit reports please. The two remaining credit bureaus are XXXX and Experian. XXXX took care of the inaccuracies. Please enforce this with the other two because they are not responding to my disputes in an ethical manner.
Consumer complaint received 2017-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have written all three Credit Bureaus XXXX, XXXX and EQUIFAX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the XXXX year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
Consumer complaint received 2017-09-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

CFPB Complaint Re WELLS FARGO BANK ( aka ASC ) In attempt to utilize the Government H.A.R.P. program, we were diverted by Wells Fargo / ASC, or rather coerced into using what they characterized as their " in house '' H.A.R.P. program to refinance the house XXXX instead of using H.A.R.P. We were not aware that there was a difference in HARP Program. In doing this, WF/ASC did not make clear to us that they changed the terms of the loan to a 38 year loan which was n't the length of original loan. A fact neither of us realized until recently when we tried to refinance the house at a lower rate. Our recent attempts ( XXXX XXXX ) to refinance the house by contacting various lending institutions has been met with the response that no lending institution " would touch a 38 yr. loan ''. We never had an interest in a 38 yr. loan. 

Wells Fargo, being a lending institution, can not help but know that when they coerced us into this loan that no one would agree to refinance the loan, and they knew that when they coerced us away from the Government H.A.R.P. program and to a Wells Fargo in house program when the loan was taken out. 

We 're finding out how bad this loan is from other financial institutions. Wells Fargo could have disclosed to us the pitfalls of this loan when we could have made an informed decision ( back then ). When Wells Fargo did this loan, they did n't make a full disclosure of what we are now finding out from other banks/lending institutions. Throughout the initial process various Wells Fargo officials were suggesting to us that " down the road '', we could refinance this loan, at a later date. 

We believe that Wells Fargo set us up to fail so they can foreclose on the property. We recently attempted ( XXXX XXXX ) to do a MODIFICATION with Wells Fargo and we were denied. We also inquired about REFINANCING and we were DENIED again. Based on their requirements, depending on the loan type, we would have to ( 1 ) come up with about {$15000.00} at the end of closing or ( 2 ) we need to have one years worth of payments in the bank ( {$3900.00} X XXXX = XXXX ) before they would consider refinancing. Since all of our accounts are in WFB, they know we dont have that amount of money. 

Please, we need HELP. When the loan was first modified, the payments were {$2700.00} per month, NOW, the payments are {$3900.00} per month. All we want are lower monthly payments and to be out of this predatory loan Wells Fargo got us into. We feel we have been taken advantage of in a major way. 

Thanks IF ANY DOCUMENTATION IS NEEDED, WE WILL PROVIDE IT AT YOUR REQUEST.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (MI)

I believe that EquiFax failed to meet its obligation to safeguard my data, leaving me with a lifetime of future threats to my identity and irrevocable loss of security to my financial information. I believe that EquiFax executives have improperly profited from advance knowledge of this data breach - refer to http : XXXX.
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is reporting Adverse Accounts on my credit file. There are two accounts from the XXXX XXXX XXXX that are reporting on my file as one XX/XX/XXXX these accounts where deleted in XX/XX/XXXX because they over seven years old. XXXX
Consumer complaint received 2017-09-11
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. (NY)

XXXX & XXXX Account Number XXXX this account does not belongs to me it causing me a great deal of stress i would love to have them removed from my credit report XXXX & XXXX Account Number XXXX Account Type Unknown Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$240.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (MO)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-09-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (NY)

I was issued a cashier 's check, however I did not have an account to deposit so I opened an account at a bank and deposited this check believing that the terms and conditions attached were what the bank follow. Few days later the check was return for stop payment. Went to a branch and was told there is nothing they can do and I have to contact the remitter. XX/XX/XXXX-XXXX XXXX. Went to visit the branch where the check was issued and spoke to the manager and was told that the same thing. ( XX/XX/XXXX- XXXX XXXX ) I asked for an explanation as to date and reason and was told there was n't any in the computer at the time she pulled up the transaction. Called the head branch the following day ( XX/XX/XXXX-XXXX XXXX ) and was told the same thing and that there are internal procedures that the bank follow to protect them against the 90 days by affadavit. I went to a branch to uplift a blank copy of this affadavit which I am attaching.
Sent an email to the CEO of the bank today to request an investigation because so far no one investigated the matter. I am frustrated and lost any trust that I have on this bank because it seems as though everyone is for the bank and their customers. No one bothered to look into the matter and explained what happened.