davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-13
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)

Back in XX/XX/XXXX I suffered a horrifying XXXX XXXX in which it had left me with a XXXX XXXX XXXX and a few other injuries as well. The car I was driving was a XXXX XXXX XXXX XXXX which I had purchased on XX/XX/XXXX by taking out a loan for {$35000.00} from XXXX XXXX. The vehicle at fault ran a stop sign and drove straight onto my XXXX XXXX. I was unable to go about my regular days due to the injuries I had endured, and because of my injuries I was unable to make payments on the vehicle. I paid off the loan in full on XX/XX/XXXX. When I first got the loan from XXXX XXXX I had financed the loan for 75 months and ended up paying the loan off in 10 months. My aunt was my co-sign on the loan and her, as well as me, both did not really understand how insurances or creditors work. We thought that my Gap insurance for the car would cover the full remainder of the loan and that we would n't have to worry about paying any more for it. During the time I was recovering and doing XXXX XXXX I missed a few payments and now its showing as a major delinquency on my credit which is preventing me from opening any new line of credit. I am requesting to dispute this delinquency reflecting on my credit for my lack of payment was not due to a deliberate act, but rather an unexpected accident. I am not a delinquent. I am a responsible XXXX XXXX XXXX in my XXXX XXXX who is in pursuit of becoming a XXXX. Please help me for I feel stuck in this mess. You may be my last hope in pardoning and removing this delinquency.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (NV)

3 fraudant charges on my US Bank credit card. All posted on XX/XX/XXXX in the amounts of {$99.00}, XXXX, and XXXX. The charges stemmed from a 2 different XXXX gas stations, that we do not even patronize. 

A call was made to US Bank on XX/XX/XXXX to report the fraud. I was told a claim was made and that it would be taken care of. 

After 2 weeks, no communication has been received from the bank regarding the claim. The charges were still posted to my account. I called and spoke to a supervisor, and was told : 1st, that the claim had been researched and denied. Than transferred to a supervior that said she would resolve the issue, making sure the account was credited back for the charges. 

Now 4 weeks later, I called again to see what the problem was with crediting the account. Spoke to another supervisor and was again assured that I was not responsible for any fraud on my account and that he would make sure it did not " fall thru the cracks '' again. 

It has now been a month since the charges were placed on my account and I still have not been credited back for those charges.
Consumer complaint received 2017-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to first point out XXXX XXXX  XXXX does not own my mortgage XXXX XXXX XXXX is the owner. My mortgage has not been sold to XXXX XXXX XXXX. Thus, said XXXX should be reporting the original debt in the same format as XXXX XXXX XXXX in the attachments provided. XXXX XXXX XXXX 's reported to Transunion, the first date of delinquency reported in XXXX. Therefore, since XXXX is not the owner of the debt just the collection agency this should be reported in the same manner. 

XXXX is attempting to restart the debt by reporting the first date of delinquency asXXXX, without including historical data. I have reached out to Transunion almost one month ago regarding the reporting of XXXX XXXX XXXX on my credit report. The representative explained that Transunion reports what the creditor send over in the file and I should dispute all inaccuracies, which I did via fax on XXXX/XXXX/XXXX. The response from Transunion was an update of XXXX status on my credit report without updated the historical data. Based on my credit report from Transunion dates XXXX/XXXX/XXXX XXXX XXXX XXXX was due to be deleted from my report on XXXX.
Consumer complaint received 2017-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I applied to XXXX XXXX for their XXXX  XXXX XXXX XXXX. 
I received a reply from XXXX XXXX XXXX, XXXX XXXX, XXXX, DEXXXX " We have reviewed your application and dtermined that we are unable to approve you for a XXXX XXXX XXXX  credit card account for the following reason ( s ) : - Too few accounts with sufficient satisfactory performance " and, a later paragraph - " We also attempted to obtain your credit score from this consumer reporting agency for use in making our credit decision ''. and a later paragraph " Your credit score was not available because the consumer reporting agency may not have had enough information about your credit history to calculate a score. '' I have very little or zero credit history because I have hardly ever ( maybe never ) needed credit in the USA. I have lived most of my life abroad, and am a Permanent Resident of the USA. I am a citizen of excellent standing, no debts, no arrests, no criminal. I have accounts and debit cards at the XXXX XXXX XXXX, own my own company, make a good living, pay immediately for what I consume. 
Does this mean I must be penalized like a common criminal and not be allowed to hols an XXXX XXXX credit card? I need the credit card for my business as I travel constantly on XXXX XXXX
Consumer complaint received 2024-08-28
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: Experian Information Solutions Inc. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Consumer complaint received 2017-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX money was stolen from my bank account through an unauthorized on-line money transfer not made by me or my wife ( the only account holders ).
The theft was timely ( within 30 minutes ) reported to the Bank, and the Bank 's representatives stated the account would be locked pending a fraud investigation.
After this call, additional monies were stolen out of the account - it had not been locked as reported by the Bank. 

This additional theft was again ( still on XX/XX/XXXX ) timely reported to the Bank. 

Since then, on multiple occasions, I was told the stolen monies would be placed back into my account within 3 business days. 

Today, I received notice that the Bank was rejecting the claim of fraud reported on "XX/XX/XXXX ''. 

Given these circumstances, it is clear the Bank did not conduct a legitimate investigation and is disregarding the true facts of the theft.
Consumer complaint received 2017-12-13
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Army and Air Force Exchange Service (SC)

In XXXX, at XXXX XXXX XXXX, XXXX XXXX, offered me a credit card with {$7200.00} limit. I maintained my account in good standing until XXXX, when I became unable to afford my payments due to hardship from unemployment. XXXX XXXX would not work with me for a hardship program. My account was sent to collection and XXXX XXXX would no longer speak with me about the account. The collection company added interest and fees that totaled over {$13000.00}. I could not afford the {$7200.00} balance, so {$13000.00} was incomprehensible. I was forced to allow the account to sit in collection. The account is reporting monthly to credit companies with a full balance of about {$15000.00} due. This is hurting my credit and my attempt to purchase a home. My financial situation improved in XXXX, but XXXX XXXX still will not work with me. I spoke with the collection agency and they submitted a settlement offer of {$7200.00} ( original balance owed ) on my behalf and XXXX XXXX countered with over {$9000.00} which I could not afford. I entered a payment plan and have paid consistently monthly since XXXX XXXX. However, the company is still reporting a full balance of over {$15000.00} due monthly and refuses to acknowledge the payment arrangement or payments being made.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

On XXXX XXXX, 2017, While checking my bank statements, I noticed 2 charges on my account that neither my husband or I did not make. I immediately called Regions Bank to notify that my account had charges we did not make and asked that they be denied or to stop payment as transactions were pending. I was told they cant do anything until the charges clear. I said I did not make them but still was told nothing they would do until cleared, it could take up to 10 days. The charges were international and I stressed I did n't make them but nothing would be done until they cleared, So they paid out {$730.00}. XXXX from my account charged me international fees and overdraft fees then denied my claim saying that they were verified charges. If I had any further questions to contact the merchant. How? I asked I ddnt know the companies the charges were made from and internationally? Didnt that raise a red flag with the bank? I have never ever used the cards out of the country, I have not been out of the country. Sorry they said transactions were verified. I dont know how. What else can I do?
Consumer complaint received 2017-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (CA)

I was in the military CA XXXX XXXX. I had a XXXX XXXX and fell behind on my payments. On XXXX, XXXX XXXX XXXX closed my account. I started to get monthly  deductions on my my XXXX XXXX ( XXXX ). I have the XXXX that show the deduction made on my pay.It shows the balance owed to XXXX XXXX going down every month. On my XXXX XXXX XXXX it shows the balance owed to the XXXX XXXX at zero. On XXXX XXXX XXXX collections agency sent me a letter saying that I had a balance of XXXX owed on my XXXX XXXX  and they were collecting it. I informed them it was paid off and had my pay stubs ( XXXX XXXX to show it. I contacted XXXX XXXX and informed them of situation. I requested copies of my credit card statements from XXXX XXXX to XXXX XXXX. They informed me they could not do that and to deal with the collections company. The collection company informed me that only XXXX XXXX could provide that information to contact them. On XXXX XXXX XXXX XXXX took my wife 's and my XXXX tax return. I just want copies of those statements so i can show credit card company that the debt was paid off my matching them with my XXXX XXXX statement deductions. If it turns out after making the comparison between my XXXX 's and the credit card statements that I do owe some debt, I will do my best to address that. I tried to talk to them and they do n't want to work with me. Also the same response from the collection company XXXX XXXX. Can you please help me?
Consumer complaint received 2023-04-26
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report. XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. Please remove.
Consumer complaint received 2017-12-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (CA)

This is the second time I have had to make a formal complaint about this company on this site. ARSTRAT, a debt collector has on multiple occasions not applied my monthly payments to my balance. I have proof from credit card and bank statements that these payments were cleared through my accounts to ARSTRAT but ARSTRAT claims they can not see the payments on their end and that the balance they show is correct. I made a complaint with this website in XX/XX/XXXX and I was contacted by a supervisor from ARSTRAT and she straightened everything out and apologized for their mistake. She assured me it would not happen again but it has continued. I have made my agreed upon payments every month but my balance does not reflect my payments and no one at ARSTRAT will own up to their mistakes.
Consumer complaint received 2017-12-13
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: CHARLES SCHWAB CORPORATION, THE (WA)

XXXX XXXX XXXX, generated an Inquiry from XXXX XXXX, 2017. I created an account online for checking account. I was not expecting a hard inquiry.
Consumer complaint received 2017-12-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

Hello how are you doing? Fine I hope. Im sitting here soooo confused. Ive been trying to dispute some inaccuracies on my credit report but for some reason Ive been getting nowhere. I think my proof of my identity may be an issue. Im just lost because I feel like Ive exhausted all options to get this cleared up. Can you take a look at these accounts for me please? I would appreciate it. 

I see several medical accounts being handled by XXXX XXXX XXXX. Do you know that theyre operating under an inactive license? In the state of Louisiana this is illegal. Please remove these accounts. 

2. XXXX I have never done buisness with not have I been contacted by this company. 

3. XXXX XXXX Please furnish me with a medical release form Im sure Ive never given this company permission to access my medical records. 

4 XXXX XXXX XXXX This company is reporting inaccurate and misleading payment information. Please remove this account. 

5. XXXX XXXX This company has made a mistake. I was never late. 

6. XXXX XXXX XXXX This account is reporting several inaccuracies.
Consumer complaint received 2017-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

XXXX XXXX continues to assess a penalty fee of {$8.00} on every Direct Debit payment. I have attempted innumerable times to remove this fee via the online portal. All efforts have failed. All inquiries have fallen on deaf ears. Please see that the additional fee is removed immediately. This is just one more example of XXXX XXXX unethical and unlawful billing practices. The Department is on notice and is therefore complicit in the illegal conduct. As a veteran who proudly served this country, I find this conduct atrocious. Both organizations should be ashamed. 

XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-12-04
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: National Credit Systems,Inc. (VA)

XXXX XXXX At XXXX XX/XX/XXXX 2012 I contacting the collections agency and there is no way to contact the original debtor. I was a victim of a property manager there who copied court ordered documents and switched the dates in order to force evictions and get judgements. The company no longer exist and it has affected my credit and any possibility of renting another property. I have been trying to get this problem resolved for sometime now. The amount is {$3400.00} and is handled through National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rm. XXXX XXXX, CA XXXX ( XXXX ) XXXX To : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Attn ; XXXX XXXX Department XXXX : Release of Lien Letter : Loan No : XXXX This is not a formal Complaint. 

Just a letter of request for another copy of the " Lien Release letter '' thatRepresentatives of XXXX XXXX XXXX, XXXX, on behalf of XXXX XXXX, XXXX XXXX XXXX XXXX Bank of America, mailed to my spouse and I on or aboutXX/XX/XXXX. 

Unfortunately, having sentthe original to the Internal Revenue Service, and a copy to the California XXXX XXXX XXXX, I find that we had dispensed of our only remaining copies. 

To give you a clear sense of the letter itself, below is the transcribed copy I provided for my viewers and to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX throughmy website address. ( XXXX ) " XXXX XXXX and XXXX XXXX XXXX XXXX Substitution of Trustee and Full Reconveyance : Property Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Dear Homeowner : Please be informed that when a mortgage or deed of trust is paid in full, the public records must be cleared using a legal document called a lien release or reconveyance. A lien release is a document which releases a lien on property included in the public records. The lien release serves as notification that the borrower no longer owes that specific debt secured by an interest in the property. 

In the states of California, Idaho, Montana, Nebraska, Nevada, Oregon, Utah, and Washington, the Reconveyanc is combined or accompanied by a Substitution of Trustee wherein the lender or the current holder/beneficiary substitutes the original Trustee with a new trustee. 

XXXX XXXX XXXX, is substituted in the above referenced states to replace the original trustee for the very purpose of releasing a lien on the property. The document is accurate and properly recorded based on the statutory guidelines and it removes the encumbrance from your property. 

XXXX XXXX XXXX, is a wholly-owned subsidiary of Bank of America, XXXX. and is responsible for preparing, executing, notarizing and sending real property lien releases on behalf of Bank of America. 

Paid-in-full loans are referred to XXXX XXXX, XXXX. for lien release processing. All lien releases or reconveyances are recorded with the County Recorder 's office where the original Deed of Trust or Mortgage was recorded. 

Please retain for your records the lien release or reconveyance you received as that is proof that your loan is paid in full and released from public records '' Again, I need a copy as soon as you can mail it to us at the above address in XXXX, CA. XXXX. 


I will have the copy notarized, and recorded with the XXXX XXXX XXXX Recorder 's Office. 

If a copy had been recorded by your company, I would have been able to access it from the Recorder 's office. 



XXXX XXXX XXXX
Consumer complaint received 2017-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

XXXX My mortgage was recently transferred by XXXX XXXX XXXX  to Wells Fargo XXXX XXXX for servicing. 

After initially successfully creating my account per Well Fargo XXXX XXXX XXXX instructions mailed by post, I got locked out of my account. 

No one was able to figure out how to unlock my account and reset my password. 
Furthermore, they verbally specifically directed me to enter my SOCIAL SECURITY NUMBER as my username into an UNENCRYPTED short text data field on their website. 

I am still unable to access my account, makle a payment, view my personal information, or verify that they have taken proper measurement to safeguard and monitor my account and personal financial information