davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

A tax lien was filed XXXX and released XXXX ( XXXX ). Equifax is still showing it and I have been denied loans twice this year because of it ( XXXX & XXXX/XXXX/XXXX ). On XXXX XXXX, XXXX I received a letter with the results of my dispute to them ( XXXX ) showing the release, but on XXXX XXXX I was denied because it was still showing on the credit report. They do not update information. I have also worked at another company since XXXX and the last work they show for me ended in XXXX.
Consumer complaint received 2019-02-20
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: BARCLAYS BANK DELAWARE (CO)

In XX/XX/2018 for about 10 months I made my daughter an authorized user of my account. Before doing so Barclay Card assured me that she could be a user and that it would have no impact on her credit. Only I was responsible for all charges on the account. She never signed anything. I asked for her to be added as an authorized signer to my account. BarclayCard sent her a card of her own to use. About XX/XX/XXXX she was finished with her need to use my credit card and I removed her as a user. 

She went to check her credit bureau the other day and found Barclay Card to be reporting MY full balance to her credit report. She called Barclay Card and they said they could not talk with her about it since she is not a signer on the account. I called Barclay Card to have it corrected and they said that I had to submit letter, via regular mail, and all of the supporting documentation to have my daughters credit reporting reversed. 

Their fraudulent mistake is not my problem to fix. Barclay Card acknowledges that they should not be reporting on my daughters credit report. They should not have reported it to her credit bureau while she was using the card and they certainly should not be reporting it now. However, they said they will maintain the fraudulent reporting unless I write them a letter with all the required documentation to have it removed. 

This is the exact kind of bullying behavior a big bank is supposed to have stopped a long time ago. So they have made an error and now it is MY problem to fix it. Unacceptable. And Illegal. 

Barclay Card has my complaint and my daughter 's complaint by phone and now through this correspondence. If they do not correct the erroneous reporting in a reasonable amount of time I will be forced to take more serious actions regarding the fraud they have committed against my daughter. Not to mention the illegal release of information about my account to her ( she should have never known the balance of my card at anytime, ever ). 

In my conversation with two Barclay representatives on the phone this evening both confirmed that the reporting should not have occurred as she was merely an authorized user with no responsibility for the credit and that the only way I can correct a credit reporting error, even if it is completely their fault, is in writing to a mailing address with supporting documentation which includes my daughter sending them, by mail, a full copy of the erroneous credit reporting. That exposes my family to unnecessary risk. The credit report they want me to send through the mail has all types of personally identifiable information contained within it.
Consumer complaint received 2019-07-13
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. (GA)

Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation. 

I am a XXXX who works on the road and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Bank of America Cash Rewards Visa card. Last month I redeemed {$14.00} to make a partial payment on my credit card balance of {$22.00}. When I received this months statement ( XX/XX/XXXX - XX/XX/2019 ) I noted that I was charged a late fee of {$14.00}, the exact amount of the cash awards redemption. I called the bank and was told by two people that I should have read the fine print, which explains ( I was told ) that no matter how much the redemption is, I must pay the minimum balance, ( which was {$25.00} ) or the balance in full if the balance is less than {$25.00}. 
I told the bank representative that if I make no charges the following month, I would have a credit balance. She said that they would refund the balance to me. When I asked how long before I received the credit balance, she told me that they have 90 days to refund the money. Personally, I think the bank is making their own rules regarding this matter. I have other bank cards and have never before run into this problem. What upset me the most, is that I have been a long time customer of the bank, never having a late fee charged previously and they refusing to show any courtesy.
Consumer complaint received 2019-07-15
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. (NY)

Last XXXX ( 2018 ), I called Transunion to alert them that the available credit on a XXXX XXXX card in my name had been raised from {$15000.00} to {$20000.00}. I did not consider this to be a dispute, but quizzically they did and in response, they removed the entire credit card account from my file, which significantly decreased my available credit with respect to my credit score, thus negatively impacting my credit. They then made me go through a bunch of unnecessary hoops and obstacles, that involved spending hours on the phone with them and XXXX. But I did everything that they asked by XXXX. However, Transunion is still refusing to include this account in my credit profile no matter what I do, and thus, it continues to negatively impact my credit score as it dramatically reduces my available credit in their score calculation. They have spuriously tried to blame XXXX for the " error '' but XXXX has correctly stated that it is reporting the account to all 3 credit bureaus, as the other two credit bureaus accurately list the account in my profile. Even more frustrating, Transunion is aware of the account and still acknowledges its existence, but is inexplicably refusing to incorporate it into my credit. This decision of theirs is arbitrary, nonsensical and harmful to my credit profile. I even reported them to CPPB a few months ago and they still haven't remedied the situation.
Consumer complaint received 2019-02-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

I went to Wells Fargo Bank to wire my mortgage payment and gave the teller all the correct information, but the teller instead of sending my money to my mortgage company she deposited into a Well Fargo Bank account that has the same account number as my mortgage company. Went back to Wells Fargo and explained that my money wasn't received by my mortgage company and Well Fargo tells me that the money was deposited into one of there account and that there was no way to retrieve my money and that if I wanted it back i would have to sue Wells Fargo. It was {$2500.00} and they say that they can't get in touch with their account holder nor will they give me the information of the account holder per the privacy act. This is just another example of how corrupt of a bank that Wells Fargo is. I've been fighting this with them over a year to no avail. Please help. I found out that they can retrieve my money back but won't. I even spoke with a executive at Wells Fargo Executive office and they told me the same thing.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im trying to buy a house
Consumer complaint received 2017-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Credit Management contacted me at my place of employment before XXXX on Thursday XX/XX/XXXX and hung up. I called them back and they refused to tell me what the issue was unless I gave out my personal information which is a second violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ClearOne Advantage, LLC (PA)

On XX/XX/19 I applied for a Debt Relief Product from XXXX  XXXX XXXX XXXX. the Account Executive # 1 ( Name XXXX XXXX ) after explaining how i had been overwhelmed with credit card and personal debt after falling behind with some bills during the XXXX  XXXX  XXXX, i tried to negotiate with these companies until got my finances but i received little to no help from them, so i been looking for financial that might help get back on track XXXX told me that the credit card companies really nerve work with the consumer 's in the way that their company would I was informed that i would be clear of Debt in four years and i would be saving a great deal of money if i allowed this company to deal with my creditors and debt after running my credit check, he came-up with a solution that allegedly suppose to get my out of debts and lower my high interest credit cards and loans, I decided that the information that he gave me sounded good and that i can finally resolve my debt, what he didn't tell me that he was giving my information to a second and third company # 2 Clear One Advantage LLC this company has document with my signature that i dint authorize # 3 XXXX XXXX XXXX XXXX ( Saving processing company this company takes the Money from my Bank Account they also have my signature ( electronically signed and initials ) on documents that i'm not aware of what they mean along with unknown fees this company is listed at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OK XXXX ( Clear One is located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX/ and XXXX XXXX XXXX is located at : XXXX XXXX XXXX XXXX XXXX Ca XXXX. I was never informed that my information would be given to other companies, when i found out later that evening i tried several times to contact Mr XXXX neg reponse My name is begin use without my permission, information that i didn't agree to or didn't know about has my signature and initials al unauthorized with this unknown company they are taking advantage of the consumer and this is a lot of fraud going on i called and sent an e-mail today to cancel this product I'm with in my three days as of XX/XX/19 but Mr XXXX never told me about this in read over the contract that evening and found out all the inconsistency in the application processing someone need to stop this fraud with this type of company as a consumer who is already in distress with bills this is not fair to let these company take advantage.
Consumer complaint received 2017-07-27
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)

I filed a dispute with Transunion on XX/XX/XXXX to delete the erroneous reporting of an alleged debt with XXXX XXXX XXXX XXXX. This is not the first time that I have requested that they verify that this alleged debt is accurate but each time it is returned as " updated and verified. '' It is my belief that their investigation practices are faulty as the other two major credit bureaus promptly deleted the entry on my report because it was not accurate. I would like to know what Transunion was able to verify that the other two credit bureaus were not.
Consumer complaint received 2019-07-14
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: TCF NATIONAL BANK (MA)

I was applying for a car loan in XX/XX/2017, and the dealership rate shopped me. One particular financing company, Gateway One, ran my credit twice in 2 days ( XX/XX/17 and XX/XX/17 ) but the 2nd inquiry was not authorized. I contacted Gateway One directly already, and they were extremely rude. 

I also contacted XXXX, and after multiple phone calls, I was routed to the US Special Handling Division in Pennsylvania, where a supervisor proceeded to tell me that as this was an inquiry, it was a statement of fact, and it was not their responsibility to investigate and that I needed to contact the creditor to request removal. I stated that I knew my rights under the law, and that they had a responsibility to investigate, and they still refused. I asked for the department that oversaw theirs, and was given a phone number to the Executive Resolution Center. 

Additionally, XXXX only allows consumers to submit supporting documents via the web or postal mail, and doesn't offer a fax option, and the majority of the time the web option has severe issues. On top of that, they only allow consumers to have a single dispute open at any given time.
Consumer complaint received 2018-10-30
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SECURITY CREDIT SYSTEMS INC (IN)

I received a letter from Security Credit Systems , INC. ( SCS ) regarding an alleged debt from my university. I had received a letter from them about a year ago indicating that they were servicing this debt. I contacted them in order to gain more information into thi alleged debt. The CSR was very rude, very aggressive, and very impatient. I was attempting to gather the basic information surrounding this debt, however, he was very aggressive and uncooperative in getting me this information. He and I had unpleasant words and he ended the call. I attempted to call back numerous times in hopes of getting someone different or someone I could more easily connect with, but the operator advised that they were blocking my calls. Even when I called from a different number hoping to get someone with a cooler head, I was still blocked. I did not receive any communication from SCS for over a year or so. I then got a letter from them with the body in all capital letters suggesting that if I did not pay them, I would face repercussions such as being ineligible for a credit card, car loan, mortgage, or personal loan. They also advised that a " good credit rating is essential '' in order to acquire these types of trade lines. I have attached the written correspondence letter I received below.
Consumer complaint received 2019-07-14
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (AZ)

It's not with the company of collections, it's with the school. They told me over the phone if i sign this federal loan I'll have a free ride through school until I graduate with my XXXX XXXX XXXX XXXX. Then one day, they call asking why I haven't paid on my loan. I told them I was told I didn't have to until graduation and they said that it wasn't possible. I guess I should have known it was too good to be true but this has ruined my credit score and any chances of ever owning my own property. It isn't fair. 

Summer of 2011, I believe I started at XXXX XXXX online. And a few months later, they hit me with this.
Consumer complaint received 2017-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (CA)

I applied for the loan and was approved for XXXX up until it was time for me to sign the e consent form, I refused to sign because the the interest was 777.03 percent and the payoff was XXXX for a XXXX dollar loan this is an outragous company and should be put out of business when people are in need of help they should n't be able to take advantage of the poor I would never accept something like this
Consumer complaint received 2018-10-30
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. (AZ)

As given here as concise yet clearly as possible I am still experiencing the following : - There is as of yet no clear or guided humane help with my student loan debt situation. 

- Currently under Navient, who my student loan debt was transferred to after having XXXX ( Now XXXX XXXX ) servicing them for sometime, plus prior to them under SallieMae. 

- Worsened or led to the unfortunate current problem I have after I consolidated my debt, and whoever did the " processing '' back then accepted the variable over the constant interest rate - to make more money off of the principal and what is added ( i.e., the interest, which keeps running and accumulating to the amount owed daily, with no real relief etc. ) to such! 

- At the end if the {$150000.00} or +thereabouts forgiven/discharged/etc. will unfortunately result as brought to awareness of in at least one online reference in $ 20,000-30,000 worth of taxes that was mostly based on monies the debtor did not pocket - the bank/loan servicer did, though I and not them wind up paying for their taxes owed! Does that make sense to a " self-defeating '' aid at the end for those who just went to school or not? 

- Have this unfortunate situation as given/based as if on some type of horrible or not humane " usury-racket '' activity which goes against a true care for this situation. 

- Currently unemployed, have been mostly on forbearances/IBR plan for years yet was told by at least one reference that you could be and/or better off on PAYE and/or REPAYE and not get the problems with interest charges as Navient ( and others before ) has you on one so that they could make money off of the interest?

- Had done a previous complaint when under XXXX, which resulted in a contact with someone ( agent/etc. ) for the US Dept. of Education, who only did an audit, recalculation, etc. of my student loans though still left my situation as " same-old-same-old '' with the interest rate still running and adding to the principal with no positive aid of some type whatsoever! 

- Also have to renew my plan soon as such will be expiring within a month or so, and the other day went to their website to login and found their services down. 

- Also aid in taking are of a sister on XXXX who receives such on Social Security as I did as a XXXX XXXX to my father who was a veteran and passed away in 2012. 

Will look forward to any options, assistance, etc. that your services could render with this severe debt situation and thank you kindly again for your services!
Consumer complaint received 2019-07-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates (GA)

I Pulled my credit Report notices that there where Collections on my report that i was never Informed of. Wrote the company Credit Bureau Associates on XX/XX/2019 Requesting that they Provide Proper Documents validating the Above Collection that was applied to my report. I sent the Letter Certified Mail they received it on XXXX XXXX i allowed the 30 days. I didn't receive anything from the Credit Bureau Associates i then sent a follow up letter stating because they have yet to send the proper documented stating this was my account. Because of the Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. The follow up Letter was sent out on XXXX XXXX.
Consumer complaint received 2019-07-15
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. (MO)

I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX XXXXXXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 )  XXXX XXXX