davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

Filed for XXXX in XX/XX/XXXX. My student loan was consolidated and transferred to Mohela in XX/XX/XXXX ( processed in XXXX ). I currently have 89 payments confirmed that qualify for the XXXX  ( from XX/XX/XXXX to XX/XX/XXXX ). I have contacted Mohela ( XX/XX/XXXX ) to see why the rest of my loan payments from XXXX and XXXX have not been applied, they said they did not receive information from XXXX XXXX. I contacted XXXX XXXX  ( XX/XX/XXXX ) and they said they sent information and Mohela has information. I contacted XXXX and they are sending my records ( did in XXXX, but called XX/XX/XXXX and they are resending to me ). I made a complaint with XXXX XXXX to inquire why my loans are not coming thru to be counted as I have been employed with an approved employer since XX/XX/XXXX. Each time I call either servicer they give the standard it takes time. We are approaching a year. No one seems to know who is responsible or how to obtain the records. Each time I call or try and contact them it is a 30 to 1 wait with no help. I want to know that they have the information and timeline for processing ( reasonable timeline ). I will have made 10 years of payments plus over that which should be refunded to me and I know there will be issue with that as well.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

I called back in XXXX XXXX and found out that I had a credit alert on my account that I never placed on there. I provided all this information and found out that it was never removed. I tried to apply for a XXXX Credit Card months later and it was still on there. I have updated my cell phone and everything with Experian. Now I have to get another hard pull on my credit report because they did not do their job and to be honest not sure why they did not do their job or if they did it now. I think XXXX of those hard inquiries need to be removed. Because now XXXX has to re run my credit to see if the alert has been removed
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Because of the way the bank is now listing things online, I can not tell whether it a debit or credit.This is not helpful accounting practices. This is a easy way to confuse people. Due to an head injury, this makes things more confusing. Online baking has always been in an accounting layout, the new layout is for apps, for smart phones. This is not fair, or right. I have multiple accounts.
Consumer complaint received 2016-04-29
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

Sirs, according to your Consent order File no. XXXX XXXX Citibank NA has a consent order against them for several violations. I received a default judgement under these pretenses, on XXXX XXXX, XXXX, original start date XXXX. Citibank has never taken this judgement off the record as ordered by CFPB, nor have they wrote me on this subject. This should be a vacated judgement, as you have indicated the company to follow.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

OnXX/XX/2023, at XXXX XXXX XXXX. I loaded {$400.00} onto a Visa Vanilla Gift card, with the activations receipt included informing me that it was activated on XXXX end. I attempted for 20 minutes to activate and check the balance on their phone system and website. When I finally got through to customer service after 30 minutes, they informed me that my card was not activated correctly, but XXXX informed me that everything went smoothly on their end to activate the card. Vanilla could not manually activate my card and told me to send in my receipts and drivers license to make sure everything matched up. They also informed me it could take 30 days to receive any kind of answer or response from the company ( XXXX ) that handles these investigations. I bought this gift card in good faith that I would receive my money immediately after purchasing. I have attempted to contact my bank to see if they can issue a charge back, and submitted a complaint on the Better Business Bureau website. I am just looking to get this situation fixed and my money back.
Consumer complaint received 2016-10-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo Bank transferred by Health Care Savings Account Optum with no prior notification to me of doing so. I have $ XXXX that is basically missing with no knowledge of how to access these funds or ability to verify the funds are still in my name. 

The funds were removed from my XXXX on XXXX and I noticed on XXXX a XXXX balance in my online account. I acknowledge that when contacting Wells Fargo, they have a recording notifying customers of this transfer, however this is the first I heard of it and I did not have the ability to opt out of this transfer to choose an alternative source to manage my account.
Consumer complaint received 2017-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

Hi. You closed out complaint # XXXX because the company said they resolved it with me. 
That is a lie. And your procedure apparently did n't give me a chance to respond. 
Here 's the story- they overcharged me on a safe deposit box. You forwarded my complaint to them. They claim they issued a credit. 
No. They Did Not. 

When the box was up for renewal I opted to not renew because of the overcharge ( they overcharged last year too and it took months of fighting with them to get a refund ). 

I closed the box and filed my complaint. 

Their response was that they waived the fee for the next year. There was no fee for the next year because I closed the box. 

I have contacted them by phone and they said they 'd look into it and get back to me. 
They have not gotten back to me despite my leaving numerous messages. 

They said they gave me over {$200.00} and that is simply not at all true.
Consumer complaint received 2023-07-14
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. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (FL)

My identity was stolen in 2014 my purse ( which included my license, social security card, pictures etc. ) I had to shut down all bank accounts so I would n't have told you that something cleared my bank. Also my personal information was leaked online to public information sites ( see attachment ) anyone can google my name and obtain detailed information about me which I 'm trying to get removed off line. I do n't even live in New Jersey. Nothing has been presented to me as verification of debt either by Trident or XXXX online. 

Disclaimer advise by lawyer to note : I did not authorize any debts to be brought by a third party company. I did not authorize my personal information such as name, address, social security number, Date of Birth to be given or brought by a third party company, if you are not the company at which I acquired a debt you are a third party company. I have the legal right to protect my identity, if any debts are owed the originally company can send proper verification i.e. a signed legal document explaining my debt.
Consumer complaint received 2017-08-24
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. (MI)

The following is a list of hard inquires on my TransUnion credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX credit - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Thank you
Consumer complaint received 2023-07-14
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (WA)

XX/XX/XXXX/XX/XX/2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XX/XX/XXXX, I received a notice from Afni, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called Afni to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the Afni representatives said there was nothing they could do to reverse this. I am currently in communication with XXXX to remove this information from my credit report and rectify this issue.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My issue is with XXXX XXXX who was formerly XXXX in the XXXX XXXX XXXX. The conversion occurred in XXXX XXXX which is when my problem began. With XXXX, we paid {$77.00} monthly for cable and internet. Our payments were always on time, and we never had an issue with their billing practices. XXXX unbundled our services, and began charging us {$120.00} a month. We called every month when we received our statement, and attempted to have this resolved. We were told to not pay until this billing issue is resolved, and they never charged a past due fee. I also told them every month to cancel our service, but they never did. They refused to help us. We also knew we were not the only people having these issues due to the local news reporting that the attorney general of Florida were keeping record of the issues with the conversion. We stopped receiving statements from XXXX in XXXX of XXXX. We have not received any phone call, letter or statement from XXXX stating we owed any amount since we had long since returned the equipment. In XXXX of XXXX, I checked my credit report and they just reported this as a deliquency of 120 or more days in XXXX XXXX. This is unfair, deceptive and illegal to never notify us of a debt owed. Also the debt XXXX is stating we owe is completely incorrect. I demand this be removed from my credit report and to have to this updated immediately.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX a filed a complaint for charges made to capital one from my XXXX checking account. XXXX did not initiate the transaction, Capital one did. After my regular monthly payment, an extra payment of {$100.00} was requested by capital one to someone else 's account every month going back to XX/XX/XXXX. Capital one does not give information about where the payment was credited to. Capital One states that the bank is responsible. The case was closed an Capital One did not provide any information that the case was closed on XX/XX/XXXX until I called them on XX/XX/XXXX.
Consumer complaint received 2024-10-14
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-13
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. (AZ)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact exists
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (CA)

I keep receiving letters from XXXX XXXX XXXX, XXXX regarding a bridge toll violation. The letter indicates the violation was made by a car with Arizona license plates with the number XXXX. THIS IS NOT MY CAR. I live in California and I have never driven a car that has AZ license plates and I do not know anyone who is from Arizona.

This agency is threatening to collect a {$75.00} fee by going through the California State Franchise Tax Board. 

I have called this company thrice to explain that they are pursuing the wrong person for this violation. They have assured me that they will take care of it and I was told all three times to disregard the notice. Well, today I got a fourth notice! 

Today I attempted to call this collection agency a fourth time. This time the automated system asked me to enter my account number and my zip code and then the automated system says they have no record of this account number. When I attempted to use the automated system to reach a human being I got a rapid busy signal and then the line went dead. I tried three times before giving up.
Consumer complaint received 2017-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

Creedence Resource management LLC out of XXXX, Texas claims I owe a debt from XXXX, XXXX,2017. I  do not owe this and they put it this week on my credit report again. They did this once before and removed it. It was with XXXX XXXX out of XXXX XXXX mall in XXXX, California. A dishonest employee used my information to form a false account to steal from XXXX. I never had an account with them. I have XXXX, was homeless and had no bank account to get such an account. Please make them remove it from my credit report. Thanks, XXXX XXXX XXXX. It was only placed on XXXX XXXX credit reporting company.
Consumer complaint received 2017-08-25
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. (CA)

I contacted Equifax several times on XX/XX/XXXX I told them I was a victim of identity theft and I have 3 unauthorized inquiries from XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they did not remove the inquiries.
Consumer complaint received 2016-04-30
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SD)

I have permanently " opted out '' from unsolicited financial/credit marketing through all XXXX credit bureaus. 

However, I received the attached offer in the mail - which looks very much like a " check '' - and am concerned not only about the protection of my financial identity but also about others who may have also received this solicitation.
Consumer complaint received 2017-08-25
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: JPMORGAN CHASE & CO. (NY)

Unknown account CHASE CARD Account Number XXXX Account Type Credit Card 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 {$1100.00} Past Due Amount {$1500.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Payment History
Consumer complaint received 2017-08-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

Company keeps harassing me, calls me feom different numbers and like 20 calls from this company. I work and company calls me like 20 times and I can not work. They call people that I know to get information from me. They threaten me to sue me if I do n't pay but I told them I will pay
Consumer complaint received 2017-08-25
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. (GA)

I have reached out to XXXX and Experian several times to make correction to what is reported on my credit history : 1. XXXX is reflecting 5 derogatory accounts on my credit history when there 's only 1. For example it shows my student loans as being delinguent when in fact if you review my payment history you will see that i have always paid on time and paid what is expected. I disputed this several times yet there has been no correction.
2. Experian is also showing 3 derogatory listings on my account when there only should be 1. I have disputed this several times as well and still no changes.
Similarly I reached out to these agencies regarding the hard inquires and the incorrect reflection of these hard inquiries stating that not all of the companies received permission to run a hard inquiry but this information is still reflected on my account. I am not sure what to do at this point with the incorrect information reflected.
Consumer complaint received 2017-08-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, I mailed a certified letter return receipt to transunion credit! XXXX # XXXX XXXX XXXX XXXX XXXX. 

Requesting them to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C.s1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX cu # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Florida XXXX XXXX docket # XXXX Transuions re-investigation result say that my disputes not specific ; verified and updated. 

However they have not supply to me the verification documents that I have requested that they used to verify these accounts which is my Right under the Fair Credit reporting Act.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

i have tried multiple times to close XXXX out of XXXX WELLS FARGO checking accts, and they keep resisting/creating obstacles, refusing, saying there is a 'hold ' on my acct, forcing me to see the supervisor, etc. etc. 
i need help badly. 
wells fargo is doing this on purpose to get more bank fees from me. 
i have e-mailed them, called them, and visited them in person, to no avail.