davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (FL)

I applied for a personal loan with Wells Fargo on XX/XX/XXXX. I was pre-approved so I proceeded with the application process. Wells Fargo sent me a notice to upload my XXXX XXXX & most current paystub. While uploading that info I accidently up loaded other tax documents that was I was not asked to send. I tried to cancel but it did not work. I called to speak with a loan specialist and was treated very unfairly. This lady was way out of line. She told me she was going to call my employer about my tax write offs. This is none of her business nor the my employers. I called to complain about the incident and the way I was treated and was assured that it would be handled and she would not be handling my loan request. Well she called my employer and my loan was denied based on the info that she shouldn't have even received. They deducted last years tax deductions from this years salary. How is this fair? My situation is different this year. I'm so embarrassed now that all my co workers no my financial situation and how can they base their decision on something that was not even required to obtain the loan. I have had this account for years and I am currently looking for somewhere new to bank. Shame on Wells Fargo for treating my like this. I have been humiliated and treated like a criminal or something.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (MD)

I have contacted them numerous times. I have send below letter. I cc : FRCA They have failed to provide PROOF signed documentation, ID uses or any other documents that VERIFY I had an account with XXXX who they are trying to collect for. They send statements, that do not PROVE anything about how the account was opened in 2012 supposedly. They are falsely reporting on my credit report. I have also filed a fraud affidavit with XXXX in this case. 







Please be advised this is my SECOND WRITTEN REQUEST. 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 

Where are the documents that you used to verify these accounts? 

What is the name of the person in your company who verified these accounts? 

What documents did they use to verify them? 

Please provide me with the name of that individual, their business address, and telephone number. 


You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2018-07-25
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. (CA)

Sent in three dispute letters starting XX/XX/XXXX-XX/XX/XXXX to all credit report agencys regarding accounts ( XXXX acct # XXXX ) ( XXXX/XXXX  acct # XXXX  ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX  XXXX acct # XXXX ) accounts not mine please delete it. Put a fraud alert on my account due to my name being used, credit agency is not verifying these accounts. Just sent in a final letter XX/XX/2018, notarized stating I will press charges. Please remove accounts immediately. Also XXXX acct # XXXX, never late on payment, and never late with account XXXX XXXX XXXX acct # XXXX
Consumer complaint received 2018-08-27
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. (GA)

Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/XXXX  ( XXXX XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX has deleted the incorrect account. XXXX and Equifax continue to report account is verified and validated. When I asked for proof of validation, XXXX XXXX XXXX sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

OnXX/XX/2018 I swiped my debit card at my child 's daycare in the amount of XXXX. That day I noticed 2 transactions for the same amount pending on my account, I called the daycare who stated they only had one charge on their end of the day paperwork. I waited until the second charge cleared and submitted a claim to Bank of America. My bank submitted the funds right back in to my account the next day pending their investigating. My account shows a debit for XXXX and also what they called an ACH for XXXX to the same merchant on the same day within seconds of each other. On XX/XX/2018 Bank of America reversed the funds stating that after review the merchant 's bank, XXXX, stated that it was a rightful charge and that I was suppose to pay XXXX on XX/XX/2018. Bank of America also sent me the information that was mailed into them from XXXX, and on the paperwork it only shows that I was suppose to pay XXXX. Still no one can tell me where the second charge of XXXX done on the same day is! I called back into the claims department and was told they could see the error and that it would be reopened and I would be credited back the XXXX. After weeks of this representative from my bank not returning my calls and ignoring me, I went into my local branch where they called the claims department with a complaint on how I have been handled thus far. Yet after a week of that going on - I still had not received my XXXX back. When I called back in again in XXXX I was told that the claim was closed and that I needed to take it up with the merchant! I have spoken to my daycare director several times and she has shown me her bank statements that show they only received the one debit for XXXX on that day. She then in turn wrote a letter to bank of America for me to fax in to the claims department in hopes they reopen this for the third time. This is my final attempt at trying to collect my XXXX back that no one seems to have or know where it went ... and both major banks have just been pointing fingers at one another since XXXX.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX is listed on my credit for {$1600.00} for a XXXX XXXX account. Back in 2013 I was a victim of identity theft. I have called and wrote numerous letter stating this account was opened without my permission, asking for assistance on how I can get this removed. My identity was stolen back in 2013, and this account was opened. I have sent validation letters, good will letters and also I sent in my police report to this company with a response to nothing. This company has called me several times about the debt as well.
Consumer complaint received 2018-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (GA)

In XXXX of 2017 I received an alert from my credit monitoring service that 27 late payments from Nelnet hit my credit report. All of those accounts now report as closed due to the fact that those accounts were consolidated. Since XXXX of 2017, I have struggled with Nelnet to correct this information because I would never have been notified of any problem with my accounts because nelnet had been sending information to the wrong email and mailing address. there was a mix up on their end. according to the rep I spoke with, the last rep I spoke with entered by personal information into their database incorrectly. Although I never received accurate reporting information regarding the accounts, Nelnet maintains that it can contact me anyway they choose. This is absolutely ludicrous considering that I have no idea who received my personal information because of their mistake. Nelnets response to this irresponsible reporting practice has been to keep these late payments on my credit reports, keeping me in financial ruin. 

account numbers as listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-06
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. (CO)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$9500.00} XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$9600.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$10000.00}
Consumer complaint received 2018-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. ()

I currently owe {$57000.00}, with a past due amount of {$3800.00}. My loan servicer is Nelnet, however, I think the real problem lies with the Department of Education. 

I am willing and able to pay the student loan, however I no longer reside in the United States. I no longer have an American bank account and can not open one. I do not have a credit card in my name, so I can not make payments that way. 

I do have a bank account and can make electronic payments. Nelnet informs me that Department of Education rules forbid them accepting payments from foreign banks. I can not find an appropriate way to lobby the Department of Education for some alternative.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

Earlier this year Barclays called me asking about why not staying current on card. I advised I was, but because of a dispute over a late fee, it spiraled out of control. Several attempts were ignored and nothing done. Agent arranged to call me back later that day. 

I call Barclays when agent missed call back time. Retold story and got no where. Gave up. Frustrated took some time and called back. 

Agent worked out agreement and advised amount needed to be paid and late fees will be removed. Interest to be recalculated. Payment made. Call ended. 

Time goes by next bill arrives and again past due! Call in and was advised a payment plan and reduced interest can be offered. So I take it. Letter confirmation was to be sent. ( Never received ). Payment to bring compliance and make initial {$33.00} payment was made with agent. 

Next bill again past due. Credit continues to be damaged with bad payment statuses. Barclays doesnt care. Bounced around finally get a USA supervisor. Situation explained and supervisor is just confused. Supervisor looks up call records and requested tape pulls. Follow up to occur which never happened. Minimum {$33.00} paid. 

Call back at next bill and still past due with no response, minimum XXXX paid again. Bouncing around again finally get USA supervisor. Supervisor reviews notes and understands situation. 

When payment agreement was made was after bill closing date, but still in old cycle. This was late XXXX. Agent making agreement caused problem by putting into XXXX and not correct month of XXXX. 
Supervisor takes info and supposed to call me back. No call received. 

Communication to Barclays via secured online email is generic unrelated responses. Letter sent by via USPS advising that matter is still being investigated. 

Received letter advising account is being transferred to XXXX. Now I have no agreement from Barclays. Continuous unresolved disputes against Barclays, whom is only delaying resolution until account transfer. 

Unacceptable. Barclays needs to keep this account resolve the issues and update the damage they caused to my credit.
Consumer complaint received 2024-11-06
Product: Credit reporting 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. (PA)

I recently reviewed my credit report and found several unfamiliar inquiries that I dont recognize or recall initiating. I haven't applied for any new credit, nor did I give permission for these companies to access my report. This unexpected activity is causing me a lot of XXXX  and XXXX
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (GA)

Calls come from this number day and night and even weekends. When I answer, they say I owe a debt but won't tell me the debt before I tell them personal info like my addresses and phone numbers. When I call, I get several rude people who give me the run around or hang up on me. I've asked to NOT BE CALLED. THEY JUST HANG UP IN ME AND START ALL OVER! This company is disgusting and classless. I'm reporting the issue to my lawyer as well for further litigation
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST HORIZON BANK (TN)

I was contacted a couple of months ago by XXXX XXXX at First Tennessee Bank telling me that the bank needed to change the name on my business account to reflect more accurately the type of business I was now in. I told her that my company name was XXXX XXXX XXXX and that was what was registered with the Secretary of State of Tennessee. It also was what I had registered with the Internal Revenue Service, it is what is printed on my checks, and it is the name that my continuous bond is registered with U.S. Customs. I told her the bank could not change the name of my account from it's legal DBA name. I then received an unsigned letter last week from First Tennessee Bank saying that I had agreed that First Tennessee would have the authority to terminate my account. I certainly never agreed to allow the bank to close my account without cause. I believe my account was opened in XX/XX/1994 so I can not recite the exact terms I agreed to and they furnished nothing in the way of documentation, what terms I agreed to when I opened my account. I realize that banks find small business probably more of a nuisance and so are not big on providing them customer service but I have always maintained my account in good order. Being a XXXX XXXX XXXXt and also have my XXXX degree in XXXX I do know that a bank can not force companies to change their name on their account to something like " Guy who sells stuff on the internet '' when his legal DBA name for the corporation is XXXX XXXX XXXX. Either this is an attempt to harass small business into closing their accounts or the bank is actually going to change customer bank account names from the name under which they do business. Either would certainly exceed the authority a bank has over my money. This has caused me tremendous damage both in time and angst in having to relocate my account and also being told that I can not talk to someone in compliance because they don't talk to customers. I am therefore wishing to file a formal complaint against First Tennessee Bank. I will be happy to furnish whatever documentation you require. 
I have also filed this complaint with the Office of the Comptroller of the Currency and will be filing with the XXXX XXXX XXXX
Consumer complaint received 2018-07-24
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: Midwest Recovery Systems (WI)

I received an alert today that my credit score had changed. Upon logging into my account, I noticed that a new collection had appeared from Midwest Recovery Systems LLC. for an  unpaid amount of {$210.00} from XXXX. I was never notified of debt owed and after researching this company, this appears to be an extremely common reoccurring issue. This incorrect debt is being reported to two of the three credit reporting agencies and negatively affecting my credit score.

I am in the process of disputing this debt collection and recovering my credit score, however the fact that this is a known issue, a fraudulent company, and horrible business practices, makes me want to report this as soon as possible so something can actually be done to stop it.
Consumer complaint received 2018-12-20
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 (VA)

I applied for an XXXX XXXX XXXX XXXX card on XX/XX/XXXX. I thought I used my referral link to receive XXXX XXXX  points ( in addition to the sign up bonus of XXXX after {$4000.00} in spending in the first 3 months ), but upon calling American Express on XX/XX/XXXX and XX/XX/XXXX, was told that the referral link was not attached to my application. They said they could not manually add it. My referral link that I believe I used is XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked to speak to a manager and was told they could do nothing for me.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Third Attempt!!! 
CFPB : Complaint XXXX Date XXXX CFPB : Complaint : XXXX Date XXXX On XXXX transunion emailed me the results of the investigation of dispute submitted on the complaints above. With the outcome of the accounts disputed VERIFIED AS ACCURATE. 
XXXXXXXX XXXX  XXXX # XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$990.00}. 
I asked Transunion to Provide the Method of verification and I haven't received proof of how the method was conducted.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by XXXX, XXXX  and Equifax for over two weeks now. I previously had fraud alerts removed from the other two agencies, XXXX and Equifax and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. XXXX refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by XXXX but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by XXXX and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.
Consumer complaint received 2018-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (MD)

I traded in my XXXX for a XXXX and the delership i purchased the XXXX from took forever to finalize the loan for whatever reason? 
in the process they did not pay off the balance with santander on time and I incurred a late payment on my credit report that affected my score. 
Santander has since provided me with a pay off record which I will attach in this writting, please let me know if you can help with this matter ... I did not intentionally not make a late payment, this was XXXX fault and I want it to be right ... 
best XXXX
Consumer complaint received 2018-12-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

My servicer Navient keeps placing me into forbearance because I can not afford the large monthly payment of my loan. This is costing me about {$12000.00} per year in capitalized interest and that number continues to grow. I will never be able to afford the payment. The servicer has not offered me any other options. I believe the servicer has also incorrectly reported missed payments to credit bureaus. How would I have any missed payments if I have been in forbearance for three years?