davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-27
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. (GA)

I did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies   XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX/XXXX  Inquiry : XX/XX/XXXX Bankcard XXXX/XXXX  Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXXXX/XX/XXXX Inquiry : XXXX. XXXX, XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
Contact the inquirer : MAIL ONLY XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX AUTO FINANCE Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX  Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX/XXXX Inquiry : XXXXXX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXXXX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX/XXXX  XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX RENT   Inquiry : XX/XX/XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.
Consumer complaint received 2019-07-27
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)

This is my Third attempt to rectify this error on my credit report on or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019. A dispute was sent via mailed regarding these items listed below yet these accounts remain as valid, this must be an error within your organization, as these items should not be on my credit profile. your organization said that it was verified these information
Consumer complaint received 2019-07-26
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. (NV)

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home DEPTEDXXXX   XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX IS REPORTING ALL CLOSED REVOLVING AND INSTALLMENT ACCOUNTS AS CURRENT AND LAST ACTIVE AS OF XXXX XXXX XXXX  SHOULD DELETE AND REMOVE THESE CLOSED REVOLVING AND INSTALLMENT ACCOUNTS
Consumer complaint received 2019-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MS)

I needed to transfer money from XXXX XXXX, XXXX MS to Wells Fargo. I had to add XXXX XXXX to my Wells Fargo account as an authorized bank. I followed all of Wells Fargo bank-to-bank transfer validation procedures to add XXXX XXXX. I received notification that XXXX XXXX was added to Wells Fargo. Wells Fargo stated the maximum amount that could be transferred was {$5000.00}. I made the transfer transaction through Wells Fargo and received an email on XX/XX/19 from Wells Fargo stating that my transfer was being processed ( see attached email ). The next day, XX/XX/19, I received an email ( see attached ) from Wells Fargo Security Fraud that unusual activity was seen in my Wells Fargo account and my account was locked. I contacted Wells Fargo Security Fraud and they stated even though I followed the correct procedures to transfer money, that is how fraud starts. They directed me to go into a Wells Fargo branch and show them my XXXX XXXX statement and identification to prove that the XXXX XXXX was truly my account. I did what Wells Fargo wanted me to do and my account was unlocked. On XX/XX/19, it became apparent to me that my {$5000.00} transfer had never been applied to my Wells Fargo account. I have called Wells Fargo everyday this week, spoke to numerous Wells Fargo employees about my missing money. They created an investigative case number XXXX. A XXXX XXXX employee made a 3-way call with me to Wells Fargo to attempt to resolve the missing money. Wells Fargo has stated when Wells Fargo Security Fraud froze my account that the transfer transaction was cancelled and the money was returned to XXXX XXXX. XXXX XXXX   was able to contact Wells Fargo ACH department and obtained a trace number for the credit from XXXX XXXX  associated with a debit to Wells Fargo. Wells Fargo ACH department was unable to locate a trace number for a credit going back to XXXX XXXX. The XXXX XXXX  employee tried to explain to the investigative case workers at Wells Fargo that since an off-setting credit trace number was not available in their ACH files, the money was probably in their unposted funds account. Wells Fargo is very adamant that the money was sent back to XXXX XXXX but could not provide any trace numbers to prove that fact. XXXX XXXX  has searched their ACH files to ensure nothing was missed on their end. My money has not been in either account for over a month and is nowhere to be found. During my final conversation on XX/XX/19 with Wells Fargo executive investigative department, I informed them I would be filing a complaint with the CFPB and they said " OK ''. It appears to me they do not care about my missing {$5000.00}. I firmly believe when the Wells Fargo Security Fraud department froze my account, the money was cancelled from being put into my Wells Fargo account and it was not transferred back to XXXX XXXX. XXXX XXXX agrees with my belief that my money is somewhere within the Wells Fargo financial institution.
Consumer complaint received 2019-07-26
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)

Under the FCRA, unverified accounts must be removed. I have never been contacted by this people in the past to discuss the alleged debt. Transunion did not provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX
Consumer complaint received 2019-07-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NY)

In XXXX of 2018, I re applied for my income driven repayment plan. In XX/XX/XXXX I received a bill for both XX/XX/XXXX and XX/XX/XXXX for a payment amount that was incorrect due to only half of my loans being processed on the income driven repayment plan. I called in XX/XX/XXXX to fix this issue and was advised that it would be by the next billing cycle and denied forbearance. When I received the same billing amount on the XX/XX/XXXX statement, I called again and was assured that this IDR would be reprocessed and fixed, again reassured that I would not need a forbearance. Meanwhile, the solutions team working on this escalated issue notated my account that there was to be no negative reporting due to Nelnets egregious error. In XX/XX/XXXX, I received yet another incorrect bill and called for the third time to get the IDR fixed. It was finally fixed and I made payments immediately thereafter. I was then reported to the credit bureaus for being 90 days past due on my payments. This dropped my score by 125 points and when I called yet again to get this fixed I was told there was nothing they could do. I have called five times within the last two weeks to attempt to get this fixed again and continue to be denied for multiple different reasons all which make no sense. One of the reasons I was denied  is because NELNET claims that I made no payments during the time the error happened and because my IDR was backdated, there would have been a payment due. How would I know what to send? If I sent {$20.00} and my payment was {$30.00} ultimately, I still would have been considered late. I need HELP!
Consumer complaint received 2019-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America denied my claim using various reasons. I have attached a copy of the previous complaint as reference. I would like to know what are the next steps I can take to recover my funds. I do not agree with the decision that was made I did not make the transactions in question. I do not believe I should accept a loss that occurred through no fault of my own. I am respectfully requesting that BOA please take another look at my claim. 
Thank you, XXXX XXXX
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (SC)

I can not convey how inadequate this company is. 

They bought my home mortgage loan from another provider three months ago and have screwed up my payment two out of the three months, XXXX and XXXX of 2019. 

Two out of the three months they have had my loan Ive had to go get a copy of my bank statement and the canceled check to provide to them to get it straight. 

If what has happened to me thus far is any indication of what the future holds I wouldve been much better off taking out a loan through my local savings and loan and paying {$15000.00} more over the life of the mortgage. 

Not worth the savings to have to deal with the XXXX they put you through.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NC)

My original mortgage company Ditech sold/gave my mortgage to XXXX XXXX. At no point have I ever been late on my mortgage nor had any issues that have been presented to me, discussed, nor a bill sent to me from ditech I received a letter from XXXX XXXX stating I owe attorney fees to Ditech from XX/XX/2018. I have never received anything from ditech except my regular monthly mortgage bill. It wasnt until my mortgage was sold did I receive a bill from XXXX XXXX. We have asked XXXX XXXX, twice, to review and send me information concerning where this came from. Below is a copy of the letter/email they sent me after their supposed review. 

Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry in regards to your mortgage account. Our records show that the corporate advance fees are attorney fees that were assessed in XX/XX/2018, by your previous servicer, Ditech. Unfortunately, we are unable to waive corporate advance fees or fees that have been assessed by your previous servicer. We apologize for the inconvenience. 

Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Please feel free to contact us if you have any additional questions. 

Sincerely, Customer Support
Consumer complaint received 2019-07-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bread Financial Holdings, Inc. (AL)

I received a dental care from XXXX XXXX. The XXXX work I received is very horrible. My XXXX are mishaps, can't eat or chew like they stated after putting XXXX. I can't chew before hitting my bottom XXXX  due to mishaps of XXXX. Also I have been charged for XXXX cleaning I never received. They have a sign stating satisfaction guarantee 100 % if u aren't satisfied they will refund. I'm not satisfied with mishaps XXXX as well as overcharging my account ( charging me for service they never done ) ( I have never heard a XXXX work charged before you have XXXX work done ) Due to the XXXX work ( XXXX  ) I can't eat food need chewing, I can only eat soft meals ( billing me {$6500.00} ) constant XXXX and my top XXXX  hitting my bottom XXXX ( that hurts ). I need XXXX XXXX XXXX to credit that amount back on my account. I am totally dissatisfied with XXXX  work i received as well as the tactical they are using, instead of Standing on their policy of satisfaction guarantee 100 %. I AM NOT SATISFIED BUT HURTING DUE TO THIS XXXX WORK I RECEIVED FROM XXXX XXXX ( XXXX XXXX ) ALSO I LOT OF PPLE HAVE POST ON HORRIBLE SERVICE THEY RECEIVED. Also I had XXXX XXXX out which didn't pulling, they stated I needed a XXXX, till now I think that was wrong. They are after making profit. They suggested I need XXXX of which I don't have bad XXXX but they wanted to XXXX   every single XXXX out but I refused. I feel like they pressured pple to have XXXX work so they can make money and charge u before they even perform any work. I will never go back. Take this horrible XXXX XXXX off my bill. Or pay for another XXXX   to fix mishaps XXXX so I can chew hard food with no pain. Horrible XXXX XXXX and constant XXXX
Consumer complaint received 2019-07-26
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: Experian Information Solutions Inc. (OH)

I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that I do not recognize. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 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 XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2019-07-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (CA)

TitleMax of California/TitleMax wrongfully repossessed my vehicle. I satisfied them with all the documentation they requested proving that they wrongfully repossessed my car, along with the certificate of title I received from the DMV and they still will not return my car. They have further delayed the return of my car by filing a fraud claim with the DMV. They have cause me mental and emotional distress for their wrongful repossession on top of car rental fees during this investigation.
Consumer complaint received 2019-07-26
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I have tried to handle this with the bureau.They have ignored my concern and have continued to report inaccurate information that stems from identity theft. I have submitted a police report and theft affidavit but they have ignored them and have yet to remove the fraudulent information.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This is in regards to my Capital One Auto finance loan. Currently my credit reports this loan as a charge off. I have contacted all 3 credit bureaus and Capital One to resolve this issue. The matter has not been satisfactorily resolved. The car loan agreement was for 72 months to finance the amount of {$12000.00} starting on XX/XX/XXXX. The car was involved in a car accident on XX/XX/XXXX and the insurance company, XXXX XXXX, deemed the car as a total loss. I continued to make monthly payments on the loan and I paid the lienholder, Capital One, in full XX/XX/XXXX, which is well within the terms of the contract. I have attached a couple documents from Capital One to support my claim.
Consumer complaint received 2019-07-25
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. (FL)

XXXX, XXXX  AND EXQUIFAX HAS INQUIRIES ON MY CREDIT REPORT THAT IS NOT MINE : INQUIRIES : XXXX  XXXX  XXXX-NOT MINE XXXX/-NOT MINE XXXX  XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX XXXX-NOT MINE XXXX  XXXX/XXXX XXXX-NOT MINE XXXX XXXX XXXX-NOT MINE XXXX XXXX  XXXX -NOT MINE XXXX -NOT MINE
Consumer complaint received 2019-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (UT)

I applied for a new home mortgage and my credit was pulled. Equifax reported that I had fraud. The other two credit reporting agencies did not report this. On XX/XX/19 I called Equifax and was given a fax number to send info to remove the fraud and was told to wait 5-7 days. After 7 days I called again and they said they didn't have the information in there system. I again faxed the information and verified the fax went through. I waited an additional 7 days and was told the same thing. I asked if I could talk to the department who handles the faxes and a supervisor told me they don't have a phone. They also wouldn't email or try and locate the paperwork and told me to send the same information in again. I did and called today XX/XX/XXXX and they still said no update in the system and refused to try and locate the information. They told me again to send in the info and wait another 5-7 days. I did give the representative all of my personal info and he said they couldn't pull up a credit file and not that it was fraud. This is a big difference not having a credit file is different then reporting fraud on my credit report. I have been on the phone over 6 hours with them and they refuse to help me. They just keep telling me to send in the same paperwork and wait 5-7 days. Plus I was hung up on the last call I made to them which lasted 58 minutes. I am going to lose my {$1000.00} earnest deposit and my  dream home as no lender can help me because they are misreporting as fraud rather than no credit file.
Consumer complaint received 2019-07-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (WI)

I am currently involved in a state mandated medical malpractice mediation for lawsuit against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI. They disputed bills involved in the lawsuit to multiple collection agencies XXXX. I PAID the bills to save my credit and filed a claim here. The matter was said to be resolved, now XXXX XXXX is fraudulently resubmitting paid medical debt, again, to various companies. LJ Ross sent me more than one collections letter on XXXX. I responded with a validation of debt letter and validation of collections, collector, names, etc. on XXXX. Within my 30day right to respond, witch I did through certified mail, LJ Ross reported the fraudulent debt in the middle of a Malpractice Lawsuit to the credit agencies ruining my credit and violating my rights. That a is civil and criminal violation of rights. I demand this be removed from my credit immediately and reprimands be made to compensate for this injustice. 
Also, I have ALL evidence of lawsuit, former CFPB complaints, emails from lawyers, RECEIPTS, letters, etc.
Consumer complaint received 2019-07-26
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. (NV)

XXXX XXXX XXXX Hospital is reporting incorrectly to Experian a collection in the amount of {$910.00} on the XXXX XXXX XXXX HOSPITAL partial account number XXXX. ( Please see page 22 of the attached credit report. ) I never gave the animal hospital permission to exceed a certain dollar amount to provide comfort care for my very sick animal. The animal hospital took it upon themselves to perform heroic measures that unfortunately did not help, and my animal passed away. I did not authorize the extended medical treatment. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted from my credit report.