davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

XX/XX/2018 sent in two payments in the amount of {$60.00} XX/XX/2018 sent in two payments in the amount of {$60.00} These payments are done via electronic transfer American Education Services does not show any payments. 
XX/XX/2018 had the bank send proof of XXXX payments. AES still calling me daily. 
XX/XX/2018 called AES to confirm a resolution has been made. They received proof of 1 payment and applied it incorrectly. XX/XX/2018 had my bank send proof of the 2nd {$60.00} payment from XXXX XX/XX/2018 in my conversation with American Education Services they could not confirm that they received the 2 payment from XXXX, so now I have to call on XX/XX/2018 to confirm that they received the 2 payments from XXXX
Consumer complaint received 2018-05-21
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. (AL)

I called XXXX and Equifax on XX/XX/2018 about some unauthorized inquiries on my credit report that I didn't authorize and asked both credit bureaus to be remove the Inquiries. XXXX refuse to help or remove anything. XXXX told me to contact the creditors and to file a police report and fax a deletion letter from the creditors. I contacted the creditors. I also informed them that the Inquiries were unauthorized and I didn't give any one permission to pull my credit. Equifax let me dispute the unauthorized inquiries and waiting on the results. I a fraud alert on my credit report with Equifax and XXXX. XXXX refuse to put a Fraud alert on my credit report. I've file a police report and faxed the info in to XXXX as well but the credit bureau refuse to help me with unauthorize inquiries. The Inquiries are making my credit reports seem like I'm begging for credit when I'm not. The Inquiries are damaging my credit report.
Consumer complaint received 2018-12-08
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. (WA)

On XX/XX/2018 I was notified by XXXX XXXX a hard credit inquiry was just made by XXXX XXXX XXXX to Equifax. 

I have never done business with XXXX XXXX XXXX. I did NOT authorize this hard credit inquiry. 

I pulled a copy of my Equifax report and saw the inquiry. I have attached the page of the report showing the inquiry. 

I called XXXX and they advised I call Equifax. I did an online dispute with equifax. I have attached a the initial inquiry response. 

On XX/XX/XXXX Equifax advised they reviewed my dispute and will not remove the inquiry. They advised XXXX XXXX XXXX could remove the inquiry. They further stated XXXX could electronically remove the inquiry. 

I called XXXX again on XX/XX/XXXX. A manager informed me XXXX would not and could not remove their inquiry. He assured me he has handled 20 different  complaints such as mine and they could not remove the inquiry. He suggested I call Equifax. He did confirm I did not have an account at XXXX. He could not confirm I authorized them to run my credit. 

I called equifax and they said XXXX must remove the inquiry.
Consumer complaint received 2018-12-07
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. (AR)

This is about the 5th time that this has happened. TransUnion has reported incorrect information on my report. I am showing an open loan on my credit that is not mine. It was opened XX/XX/2018 from XXXX XXXX. I spoke with XXXX on XX/XX/18 at XXXX XXXX They confirmed I did not have an account with them and saw another account with a similar s.s. number that was open on the date reported. They said it was a reporting issue on the side of TranUnion. I need this information corrected immediately.
Consumer complaint received 2019-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (IL)

When I logged into my BB & T mortgage acct. to make a principal only payment, I noticed that my monthly home mortgage payment had increased. I then searched all areas of my online acct. to try and locate a payment change notification. I could not find this information. I believe their website is purposefully insufficient because the information was not there. Next, I called them to inquire about the increased payment. After speaking to XXXX XXXX, and later to her supervisor XXXX XXXX, I became concerned with BB & T 's business practices. They needed my full social security number and my date of birth to pull up my account. I objected but provided the last 4 digits  of my SS #. Then they required going over my current profile information for even more identification and I had to stop them when they read my phone number incorrectly. They had the wrong area code for my phone number. I have had this acct. for years, and now my phone number was suddenly incorrect. I as logged in to my online acct. at the time, and so I asked if I could correct the area code myself. They said no. They said they are the only ones that could correct the area code, and would only do so if I would provide them with my entire SS # and DOB, over the phone. I explained that I felt this was unreasonable, and that I did not want to do both because I was on a cell phone and in front of my computer, and that I believed that providing both over WIFI could put me at a higher risk for identity theft. I bank with XXXX, and have also banked with XXXX in the past, and they have never required me to give both of these items over a cell phone. Especially, to just change the area code of my phone number, a telephone number that I was currently speaking to them on, and that they could easily verify. The area code was wrong but the rest of the phone number was correct. I asked if they could even call that number, with the bad area code and see for themselves it's incorrect, or check my loan origination records on my account, or use the area code in my billing/mailing address on file, to call me back on that area code. I asked if they could send me an email using the email on file or by something else that is on my account to verify, once again, that it was actually me. So, my refusal to give my full SS #, and DOB over WIFI, they refused to correct the area code on my account.
Consumer complaint received 2018-05-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: United PanAm Financial Corp. (NC)

The car was used when I purchased it, on the same day I got the car I took it to my insurance agency to add insurance, the car wouldn't crank back up. Had to end up calling XXXX, explaining to them that I just purchased a car the same day and it want crank and the dealership said that they can't help me that they aren't going to get the car in and fix it, which they called a ( lemon car ), long story short when I got off the phone with XXXX XXXX of XXXX which said that they had to get that car within 24 hours, they came got the car and fixed it enough for me to get it back home and drive it for bout another month, which at the time I told them to come get it, they refused, eventually they came and pick the car up and put it on my credit two times, and they still calling after I keep telling them they sold me a lemon car, I register for do not call in XX/XX/XXXX, and their still calling all month long every month.
Consumer complaint received 2018-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

While making a reservation on XXXX XXXX in XX/XX/2018, I was offered a promotion by AMEX to open a co-branded Gold Delta Skymiles card with a promotion of {$200.00} in statement credit and XXXX Bonus Miles if I spent a certain amount in the first 3 months. The offer clearly stated that it was only for New Account Holders who did not have this card in the last year. I had a similar card 2 years ago but since the stipulation was only for the last year, I signed up for the card. I met their spend requirement and even after 10 months I have not been given the statement credit or the bonus miles. I have called multiple times and was told that they will investigate and get back to me but no one did. Finally when I called today, first they make me hold and then hang up on me. And when I called again, I was again put on a long hold and then told that since I had the card in the past they did not give me the promotional offer although the offer very clearly stipulated the restricted time of 1 year. The agent was like we are sorry that the online offer was misleading and did not match and I will ask our marketing team to review the offer materials but would give me no time frame for any resolution.
Consumer complaint received 2018-05-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

XXXX XXXX XXXX contacted me about credit card debt that doesn't belong to me. They have not provided me with information on where the charges came from and even called my husband who they say is not on the account and gave him all the information like account number and amount owed and tried to get him to pay this. They say it is from 4 years ago and they are just contacting me
Consumer complaint received 2018-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On or about the date of XX/XX/XXXX, Equifax reinserted 2 collection accounts onto my personal credit report. Both accounts had been previously disputed & subsequently removed from my report. I did not receive the legally required 5-day written notification, nor did I receive notification of any kind. 
The 2 collection accounts are listed below : RECEIVABLE ORIGINAL CREDITOR NAME : XXXX   XXXX OPENED : XX/XX/XXXX BALANCE : {$460.00} XXXX XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX OPENED : XX/XX/XXXX BALANCE : {$830.00} I have tried numerous times to submit a dispute to Equifax in regards to this matter. As they completely eradicated most of my credit history on or about the same date of XX/XX/XXXX, I have been unable to verify my identity to access my report.
Consumer complaint received 2018-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

To whom it may concern, I opened a secured credit card with Wells Fargo a few years ago in hope to build my credit. I called into the credit card department to get my credit card limit increased from XXXX to XXXX and the representative closed my entire credit card account in error. 


I tried using my card and it was declined only to learn that my account was closed in error and confirmed by the customer care department. 
I had to wait several weeks for them to investigate and pull the recorded call. I received return payment fees from companies and I received no letter for my record keeping explaining what happened. I was assigned to a case manager by the name of XXXX who did the investigation, listened to the call, and confirmed that it was a bank error and told me I would have to do a new application if I wanted to keep my credit card account with Wellsfargo.  NOT FAIR. I explained to her that this is not a good look to have a close account reported nor is it fair or a good for me to lose points to have the account reopened for the same account that was closed within one month. I then was forced to call back because i never receive any information in the mail regarding this information and or a letter in writing explaining the error. I spoke with a rep by the name of XXXX who told me that they do not send out that information and that it is held confidential and only discussed via phone. He later said that he would submit a request and if it got approved then I would receive the letter in the mail explaining the error, and if it didn't get approved then I wouldn't be receiving a letter explaining what happened on my account. It is not fair for them to handle this matter so carelessly.
Consumer complaint received 2018-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MD)

Recently, I disputed a charge for XXXX XXXX during layover in XXXX, GA. I ordered food and signed for the food. However, I had to leave very quickly, as they changed when and where my flight would take off. I told them this and they said that they would refund my money. When they didn't refund my money as promised, I contacted Discover. Discover did not do their job under the FCBA and is still holding the charge on my account.
Consumer complaint received 2019-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I transferred {$2000.00} and {$1800.00} through XXXX Pay to XXXX XXXX for rent and depo at XXXX XXXX XXXX, XXXX CA XXXX. He is not the landlord/owner of the property. I never took possession and requested XXXX 4x get my money back and they refused. Executive complaint # XXXX. XXXX pay refused also to file a complaint. The Police Dept helped me fill out a report but the banks will not return my money. {$3800.00} is 1 1/2 times my monthly salary. I could not meet him in person prior to the transaction as I was moving from XXXX to XXXX. I would like to get my money returned to my account. 

My XXXX acct is XXXX XXXX branch address XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX information is XXXX XXXX branch address XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian Credit Bureau lists one of my previous addresses as : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This is incorrect. I have never lived there before. It was an old work address, not my residential address. Experian needs to delete this address from my credit report.
Consumer complaint received 2018-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

Hi i was suppose to receive a XXXX $ bonus for setting up direct deposit and doing at least 3 consecutive monthly direct deposits of {$500.00} or more within 150 days of account opening, it was suppose to come within 45 day but I still haven't received it can you help me with this please? Thanks. 

It was an online offer here is the link - XXXX XXXX XXXXXXXX These were the terms Here 's how to qualify for your {$200.00} bonus : 1. Open an Everyday Checking account online ( from this webpage only ) by XX/XX/2018. 

2. Make a minimum opening deposit of {$25.00} to fund your account.

3. Set up Direct Deposit and receive at least 3 consecutive monthly direct deposits of {$500.00} into your new account within 150 days. 

We will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met.
Consumer complaint received 2018-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

Rushmore Loan ( servicer ) and XXXX ( alleged Investor ) claiming to somehow have a vested interest in my property located at XXXX XXXX XXXX, XXXX NY XXXX. Have entered and illegal sale date on my property for XX/XX/2018. 
Under The Federal Housing Act, all loans are covered by mortgage insurance. My property was insured, the insurance premiums were paid, and yet I have been defrauded. There has been an active engagement in constructive fraud by the mortgage insurance company and the financial institution against myself as a consumer. 

I am requesting information : *On how mortgage insurance paid out? 
*When the claim was made? 
*and who got the monies? 

The consumer protection laws are there to assist individuals such as myself when are harmed as a result of unscrupulous activities. 
The mortgage on my loan was not on my home, the mortgage was on the loan. The lien was on the home! I believe based on the aforementioned laws that the financial institutions have been duly compensated, in fact our agreement was that the home was not a collateral for a loan i.e. I use the loan to acquired a home, and until I acquired the home, the home was not mine for me collateralize, meaning that I could never place something I do not have the ownership as collateral. The mortgage-back security agreement permitted and /or allowed financial institutions to trade my property on the market in lieu of payment for the loan, because the stock market investments are construed as a risk, I agree to allow my home to be used as collateral in place should the financial institution did not receive the benefits of such transaction on the market. I forwarded my interest that was due to me as a result of my being a trust interest holder and an investor on that mortgage-backed security, so that those receipts would be applied to the balance of the account, this did not happened. 

I also have been giving information that the financial institution has received tax credits and other benefits as a result of charging off the account, yet those credits and or adjustments have not been applied to the account as is cognizable under Gen. accounting procedure. The failure on the part of the financial institution and or the securitization trustee to keep accurate accounting has resulted in in my being harmed, and I hereby protest such actions and interactions as a result of it being a violation my due process rights. 
The financial institution was asked to give a complete comprehensive accounting. Staments as proof there was some exchange form of value proving this financial institution are the owners of due cause, and their proof of tax registration certificate. I am by law entitled to a complete comprehensive accounting, and all of the others requested documents.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (WA)

SHELLPOINT MORTGAGE ADDED INACCURATE AND FALSE COMMENTS IN THE REMARKS SECTION OF MY CREDIT REPORT.

PLEASE REMOVE THE COMMENT " FORECLOSURE INITIATED '' BECAUSE ITS FALSE.

FORECLOSURE WAS NOT INITIATED BY SHELLPOINT MORTGAGE. I SOLD MY HOUSE AFTER XXXX   DIAG AND NUMEROUS TREATMENTS TO PAY DOCTOR BILLS.

MY HOME WAS NOT FORECLOSED OR INITIATED.

THANK YOU
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MS)

I've disputed with Experian on XX/XX/18. I did a follow up with dispute letters and a call on XX/XX/18. I explained to the representative that the collection accounts were not mine, but I received no help. I sent this letter and made the call in regards to the inaccurate information reporting on my report. Today 's date is XX/XX/18. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. I have collections on my account that have been hurting my credit score and I want them removed immediately. The FCRA gives the company 30 days to respond, I have not gotten a response.
Consumer complaint received 2018-05-21
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. (FL)

My husband and I submitted an investigation request to Equifax on XX/XX/2018. Over 30 days have passed, and they have not yet sent us the results. I even sent them a follow-up letter which has also been ignored.
Consumer complaint received 2023-05-22
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. (TX)

Credit Karma and XXXX continues to report false and fraudulent accounts on the consumer credit report. They continue to not verify the information that was passed to them without consent and has also gave my private source data information to third parties a that i have never done any business with. I never gave consent for my private source data information to be shared with XXXX XXXX nor have any contracts with XXXX. I have filed a complaint with the fTC as well as the SEC and it has been longer than 90 days they still continue to violate federal codes. Reporting false information and transactions that are not consumer credit transaction. XXXX funding continues to try to contact me after a cease and desist has been sent through certified mail and still have not produced the contract they allege they have not any documentation showing I went into a consumer credit contract with them. This company continues a to breach my trust contract by using my private source data information without consent or authorization
Consumer complaint received 2021-07-30
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.