davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NC)

This communique is in regards to my Wells Fargo account. During the weekend, I paid XXXX and XXXX approximately for 2 college transcripts. It was deducted from my account. On Monday, Wells Fargo added about {$19.00} to my account. In other words, they reversed these transactions without my permission. Note I never went to either website and cancelled my orders. 

Then, the next day they deducted it again making me to believe I had a different balance than what I did. Since that time, they have removed the reversal from my account screen so I can't see it. This action is some type of scam. 

I received some type of email that my account went into overdraft, and it should not have. Wells Fargo allegedly moved {$25.00}. I moved {$22.00}. 

Somehow, my account ended up in the negative, and it should not have. I didn't make large purchases. Only small purchases from XXXX XXXX and XXXX. I checked my account numerous times to avoid overspending. 

They are the cause of my account going XXXX.
Consumer complaint received 2018-11-09
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: EQUIFAX, INC. (MO)

The tradeline XXXX XXXX was disputed and Equifax claimed it was verified, I have requested proof of the investigation with the letter dated XX/XX/2018 as this item is reporting in my file in error. They refuse to send me how the account was verified and are illegally reporting this to my file. XXXX XXXX   was unable to provide me proof ( contractual agreement with original creditor XXXX with my signature ) and the account was not properly investigated with Equifax.
Consumer complaint received 2023-06-16
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. (NY)

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.

The letters are stated with items and issues.

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 2015-08-24
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Ditech Financial LLC (IL)

Loan was originally taken out in XX/XX/XXXX through XXXX XXXX for {$8000.00}. XXXX was taken over by Greentree. They hold title to XX/XX/XXXX XXXX XXXX. I have been making payments on this loan for 11 years & the balance is still {$7100.00}. I have missed payments along the way due to unemployment & health issues. 
I believe they are charging me interest on interest, have tried several times to come to an agreement with them & they refuse. Have told them they can come get the car, they say they do n't want it. I feel this loan has been more than paid for. My only recourse at this point is to file bankruptcy as I ca n't continue to make payments on this loan. I 've also considered seeking an attorney to see if there is any legal recourse I can take against the company. I feel Greentree has unscrupulous loan practices. They have made XXXX of dollars off this loan.
Consumer complaint received 2023-06-16
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. (NY)

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. 

The letters are stated with items and issues.

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 2018-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (CO)

Consistently getting emails and phone calls from Nelnet stating that the account is past due by 75 or more days. The emails contain titles like " take action to keep your delinquency from being reported ''. The issue is that the account has been paid and I am fearful that my credit will be destroyed by these false allegations and incorrect data. I have fell victim to predatory student loans in the past.
Consumer complaint received 2018-11-20
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: EQUIFAX, INC. (CO)

I submitted claim # XXXX on XXXX-18. Equifax responded to me - received XXXX-18.

Their 4 page response had this at the end. 1. Current address has been added. 2. We have reviewed your concerns and our conclusions are : Your Equifax credit file is currently blocked for promotional purposes. 

I knew before their report that my credit file was blocked. Can they block my file " for promotional purposes ''? If they can do what they want with my file, how can I get it pulled ( deleted ) from them? 

I think this is a regulatory issue. Please tell me how the law and regulations apply to my case.
Consumer complaint received 2018-11-21
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: SYNCHRONY FINANCIAL (IL)

The company XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be a national credit card cos.under business type listed near the inquiry. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a credit card. I informed the company that I have not submitted any form of application for financing or a credit card and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Consumer complaint received 2023-06-19
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. (TN)

I settled this already, out of court, back in 2019. The apartment agreed to take XXXX rent and let me out of the lease. It appeared on my credit a couple years later and I disputed it off. Now, its back again.
Consumer complaint received 2023-06-16
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2023-06-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (CA)

I was approve fro the transactXXXX prepaid card and my fiancee loaded {$73.00} dollars with his XXXX XXXX and it went through, then he was leaving for work but he tries to load {$100.00} and it went through but seconds later I was reversed and then I was told that my account was locked for suspension of fraud, my fiancee and I called the customer service number and was getting several different stories of the supposed reason for the action of the Lock account, but then we were calling and getting disconnect call 's and I would ask too speak with supervisor and we will be connected with someone we have spoken with before, so this customer service support is not professional at all. My fiancee explained to them that he was the authoritarian of the account that was used too load my account and it was not fraud. I want my account unlocked ASAP.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX. I recently was checking my credit report and discovered the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX. These addresses are incorrect.
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (CA)

I have been having issues with the 3 credit agencies removing inaccurate accounts from all 3 of my credit profiles. For example recently a collection just posted to my credit reports and I disputed it with them and XXXX has completed the investigation in 2 days and deleted it off my profile but still having trouble with the other agencies. Then I had another account from XXXX XXXX XXXX that I paid off and actually entered a lawsuit and won monetary compensation but the account is still showing up on one of my credit reports even though it was removed off others
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SECURITY FINANCE CORP (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX : {$480.00} ( fraudulent ) XXXX XXXX : {$920.00} ( fraudulent ) Security Finance : {$400.00} ( fraudulent ) Has taken my credit score below average and affecting a lot.
Consumer complaint received 2018-11-08
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. (TN)

I've tried to do An income based loan with Navinet, which apparently was denied. Also, I have faxed and mailed in several hardship loan discharge forms to have loans removed/waived for student loan forgiveness, which according to Navinet,  customer service representatives, they've never received. I have been trying for years, since my university closed ( XXXX   University ) and left me with a slew of unpaid college debt, repeatedly to have some of my loans discharges, but the only situations, Navinet continues to offer is a forbearance or deferment. Which, is only causing interest on top of interest. I still don't have a XXXX XXXX XXXX, which before my university closed it's doors, I was 5 classes away from graduating. I have developed a lot of medical problems and bills, XXXX and XXXX is just the icing on the cake, stressing over how to pay my student loan debt. Now, I have two teenage sons, ages XXXX and XXXX, that I am preparing for college, which is causing more stress.
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (PA)

I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent. 

In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2023-06-16
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. (TX)

HI 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 2023-06-16
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. (TX)

HI 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 2023-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

I refinanced my mortgage in 2021. Prior to the first scheduled payment I made a full payment and the company set up my payment in a bi-weekly payment schedule which is automatically drawn from my checking account every two weeks. The payment is misapplied and I am sent late notices and charged a late fee. No payment has ever been late. This has occurred 3 times in the last year. I also send additional money to be applied to principle and this is also misapplied. I have had multiple phone call and the company fails to permanently correct the issues.
Consumer complaint received 2018-11-20
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: EQUIFAX, INC. (CA)

I DISPUTED SOME ACCOUNTS THAT I DO NOT OWE TO. I DISPUTED WITH XXXX AND XXXX AND EQUIFAX, I WANT THESE ACCOUNTS DELETED ASAP, I WILL SUE IN FEDERAL COURT, AND I ALSO FILING A XXXX   COMPLIANT, DELETE ALL ACCOUNTS FROM CREDIT REPORT ASAP
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I submitted a request to recalculate my income-based repayment ( IBR ) amount in XXXX 2017 to FedLoan Servicing ( FLS ). I did this because my AGI had changed since my previous calculation of IBR. This normally takes 7-10 days, but for some reason it took almost a month. However, I did get a new amount at the end of XX/XX/XXXX( approx. {$310.00} ), and was issued a bill at the beginning of XX/XX/XXXX to be autodebited XX/XX/XXXX. Then, a few days after I had gotten the bill, I got notice that my IBR amount had changed. When I logged in, not only had it changed for {$410.00}, but they had placed all of my loans on administrative forbearance. This was entirely without notification or my consent. I called FLS, and after a lot of investigation I was told my account had been " reviewed '' and the reviewer had decided my original amount was incorrect and recalculated it as {$410.00}. Again, this was all without notification and consent. When the person on the phone reviewed my documentation, she determined that the amount had been right the first time, and told me it would be reinstated. However, a few days later when I got notice of the " new '' amount, which was supposed to be the old amount, it was yet another amount, this time {$360.00}. I called back, and again someone told me it would be fixed, but now it 'd be fixed too late for me to be able to pay for the month of XX/XX/XXXX. I 'm in PSLF so every month of on time payment is important to counting to my 120 payments. Also, the forbearance caused the capitalization of interest, increasing my loan amount. After complaining to at least 3 more people, I was told it would be referred to the audit department, and IF they determined it was not my fault that this had happened ( everyone I 'd spoken to agreed it was not my fault ), I 'd be allowed to make a payment sometime in the future ( she said it 'd be several months ) that could " count '' as my XX/XX/XXXXpayment, and go towards PSLF. I had to complain to several more people before it was fixed, and I am now scheduled to make my actual payment of {$310.00} on XX/XX/XXXX, but I 'm holding my breath, because who knows what will actually happen. It 's incredibly concerning that they can just go in and change the amount that 's due without any notice or consent from you. This is not the first, and I 'm sure not the last, time I 've had serious problems with this loan servicer, and every other servicer I 've ever had. The level of incompetence, lack of transparency, and customer service is mind-blowing.
Consumer complaint received 2023-06-19
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: CAPITAL ONE FINANCIAL CORPORATION (MS)

In accordance with the fair credit reporting act Capital One, has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the fair credit reporting act Capital One Auto Finance, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2018-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

A COLLECTION for {$50.00} was submitted to my XXXX Credit Report on XX/XX/2018. I do not know who this is and it is NOT my bill. 
XXXX/CAPIOPART Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold - Account Type Collection Department / Agency / Attorney Date Opened XX/XX/2018 Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$50.00} Balance Updated XX/XX/2018 Original Balance $ 50 Monthly Payment - Past Due Amount {$50.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX