davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX   XXXX   XXXX   XXXX   XXXX  shows me as 90 days late on a payments from  2015 . All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (NV)

On XXXX XXXX I applied for a credit card with walmart because they were offering {$25.00} for applying for a credit card. I was approved and the sales clerk attempted to make firat charge on card ( even though it was never mentioned that you must make a purchase on the day approved to receive the {$25.00} ). I stood around an hour waiting for the cashier to figure out why my new card was not working. Eventually, we ended up using my debit card for the purchase. They made me call customer service to see why the card was not working. Upon calling it turns out the cashier inputted my drivers license information incorrectly. I was told that the customer service representative will notate my credit card account and if I did not see the {$25.00} on my first bill to call in. I called into walmart card center today XXXX and was informed that they can not give me the $ XXXXdue to the first purchase not being made on the date the card opened. I explained what happened and the representative said she could only file a dispute.
Consumer complaint received 2015-04-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

Hello everything was not cleared and this is another complaint. I had mentioned in the complaint before to clear it with the bank of the debt I owed, and the bank did there job and when I went to open an account after being told it was clear from the Chex Systems credit. It has not been cleared, I need to open an account for my job it is required and I am unable to due to the fact Chex Systems has n't cleared it and I am being told to many things for something not to have been handled by now.
Consumer complaint received 2021-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

XXXX XXXX XXXX Retail Store stated XXXX XXXX XXXX was offering a " FREE PHONE '' with opening a line of new service.. Consumer did in good faith purchase such a service, received the " FREE PHONE ''. When at home, The XXXX XXXX XXXX Retail Store 's receipt, stated the phone brand and $ XXXX! 

Consumer went back to XXXX XXXX XXXX Retail store & returned this illegal " FREE PHONE ''. 
if I was going to be charged for a " FREE PHONE '' then I will get a phone I wanted. 

This XXXX XXXX XXXX Retail Store sold me a different model of the XXXX XXXX. Took that back ; until I received what I wanted. The Sales Tax during these exchanges ( approximately $ XXXX ) was NOT RETURNED to Consumer. 

Consumer Filed the 1st FCC Informal Consumer Complaint- was later part of 2019. Other FCC Complaints followed- FCC determined Discussion was finished and prepare for FCC Court , in Washington DC . ( This Consumer is XXXX ; low income based upon XXXX  Benefits. ) However, people can request Court permission to represent themselves as a " prose '' via wire and mail. 

I just realized the XXXX XXXX XXXX Office of the President did not follow through with XXXX XXXX XXXX 's promise statements from XXXX Credit Damages continually add up. 

Please Excuse me for not obeying the 2nd stated CFPB Restriction about personal information ; due to extensive rework to documents, that are included in the following Attachments below.
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC. (NY)

My name is XXXX XXXX. I have had XXXX service since XXXX XXXX. I first required their services at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The bill was automatically drafted out of my bank account every month. Between XXXX and XXXX XXXX, I called to change my adress to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, NY XXXX. This address was XXXX block away from the previous address. They told me that there would be no problem. They did the transfer and Installation, after that I did not hear from them again. I then received a bill of {$1500.00} from XXXX and some debt collectors called Virtuoso Sourcing Group. I then called ADT to understand what was going on. They told me that is the bill from the remaining of the balance that was not paid. I explained that all I did was transfer the account to another address but that the contract should of been the same. They said that once an address is changed, the contract is done and a new one starts. I never received such information. XXXX concealed information from me and did not tell me the terms of the contract regarding the change of address and that it would have to be a new contract in the new address.
Consumer complaint received 2016-05-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Credit Karma (MD)

I just checked my credit report today on credit karma and i have a new loan that appeared on my credit report " XXXX XXXX XXXX for XXXX ''. The message said as of XXXX 2016 this has been added. I am confused as to why this is a new account added on my credit report
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I PAY for ID protection with Equifax so I look online and see that most of my accounts were deleted off report and only XXXX were showing so I call them and I am told that for some reason my report was split into XXXX so XXXX report has XXXX accounts and the other has only XXXX. I have been denied credit due to creditors pulling my report and seeing only the XXXX with XXXX accts and so I am taking the hit for inquiries and also being denied services due to only having XXXX accts on that report ( length of credit history and XXXX of the XXXX accts had 30 day late marked ). I can not see the XXXX report online in my ID account that I got to monitor my report. I do not think this is fair that my report was split for whatever reason and my score is going down for the inquiries when creditors pull it and they are denying when they see the XXXX ( XXXX acct ) report. I want the report with only XXXX accts removed/deleted or combine the XXXX reports into XXXX. them splitting my report has hurt me since I am being denied and all these inquiries are on my record when they are not even getting my actual report. I feel as though my rights were violated.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2024-10-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (NC)

I have a private student loan with Sallie Mae. Is there help with loan forgiveness for Sallie Mae loan browsers? The interest is extremely high, and I can not repay this loan. Please let me know if there is a relief program for private loans.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The issue is the lack of customer service from Bank of America * asked last month for paper statements- did not get them, service rep made a complaint * paid on XXXX but BofA says I'm late on XXXX ( see attached ) * redeemed some points program but did not show up on bill, rep moved the credit over * called in and it is literally obnoxious how BofA pushes you to automated and the app, I am tech savvy I use the app and web site and automated but sometimes the app is not sufficient * first time called in over 10 prompts did not get help then the system hung up on me " Sorry no one available to help * called in again and waited over 30 minutes - 30 MINUTES on hold ( see attached ) * during those 30 minutes there were over 50 ads ie every 30 seconds that is obnoxious many don't retain to me and many were redundant this needs to be some kind of abusive violation as I am forced to listen as I am on hold waiting for help form an associate * the associate was helpful but made multiple mistakes, said " I have been working a long shaft '' not his fault it is the company the poor was worn out and made multiple mistakes with my account ( it got resolved ) but the point is BofA is shortchanging the staff and clients by the inadequate customer service *using draconian sals tactics
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I have sent numerous police reports to Chex Systems in regards to unauthorized and fraudulent inquiries on my consumer report. The following inquiries are unauthorized and fraudulent : XXXX/ XXXX/XXXX/XXXX/XXXX
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 

XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$61000.00}. 
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Kohn Law Firm S.C. (WI)

Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about XXXX years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with XXXX different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2016-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

I am having a problem again with this mortgage company, they have changed their name several times in the last 10 years. They started out with the name XXXX XXXX Mortgage changed that to XXXX Mortgage now their name is Ditech XXXX. XXXX XXXX XXXX, SD.XXXX they have other addresses but thats the XXXX i have for them. They are overly aggressive about taking my house. Your company helped have helped me before with this company but they are at it again. They gave me a modiiforcation on my loan about a year ago and i made all my payments on time each month, along the way they keep adding other expenses to my mortgage payment. i keep sending in my regular payment and they start saying i was not making a full payment, that i was only making partial payments and they start putting into my account that i was delinquent but i was making my payment. They added to my payment without letting me know of their change and why, they added taxes, insurance, and their attorney fees for me to pay. Now they are threatening to foreclose for a small amount of {$1400.00}, I need help i am retired and living only on social security. 
PS.By the way my interest rate is 8.25 % and they refuse to lower it. 
Thank You XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-26
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: EQUIFAX, INC. (GA)

on  XXXX   XXXX ,2016 a dispute for a second time was sent to Equifax disputing the tax liens on my credit file asking for validation and verification. Equifax have pointed the finger at  XXXX  different companies but will not take responsibilities for their action of being the ones reporting it to my file. I sent a third letter after receiving documentation and responses from the company their pointing fingers at whom states that they are in no way reporting to Equifax, Equifax still refuses to correct my file even though the companies they are stating they are getting their information from is stating they did n't get information from them. At this point if the tax liens are not removed i will be filing a la w suite at  my local court. I have tried to get my file corrected for over 8 months and this has caused me a great deal of  XXXX . By law Equifax suppose to verify and be able to send documentation of any and everything they report on your credit file, which in this case they failed to do so.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Wells Fargo for their failure to address a dispute related to my account. Despite my repeated attempts to resolve the issue, Wells Fargo has been unresponsive and ineffective in processing my dispute. 

On XXXXXXXX XXXX I attempted to dispute a transaction of XXXX ], which I believe was either unauthorized or incorrect. After following all the necessary steps and providing the required documentation, Wells Fargo has not provided a resolution. I have contacted their customer service multiple times through phone calls and online chats, but there has been no meaningful progress, and I have been left without clear communication regarding the status of my dispute. 

This lack of action has caused me financial inconvenience and frustration. I request that the CFPB assist in ensuring that Wells Fargo addresses this issue properly and processes the dispute according to the regulations governing consumer protection. 

Thank you for your time and attention. 

Sincerely, XXXX
Consumer complaint received 2022-11-16
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: Experian Information Solutions Inc. (CA)

I have been a victim of Identity Theft and the item I am disputing does not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Experian about the theft of my Individuality and that the item was never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

I 'm in a subprime loan, with an adjustable rate, underwater meaning my house does n't appraise at what I owe.pay mortgage on time and nobody will help me get out of this XXXX rate I 'm in, every time I sit and talk with anyone they tell me they ca n't help me, why ca n't they help me, I 'm considering letting the bank take it if I ca n't get my mortgage changed.
Consumer complaint received 2015-07-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Green Tree ( for Georgia ) I paid my {$1300.00} mortgage payment on XX/XX/XXXX, due XX/XX/XXXX, the same amount I always pay. However, escrow caused the amount to change. Therefore, I owe {$34.00} in addition to what I paid on XX/XX/XXXX. XXXX, XXXX called me today, XX/XX/XXXX, at XXXX XXXX., threatened me, said if I did n't pay {$34.00} by the close of business today I would be charged {$54.00} late fee. And it would go on my credit. Why did n't he call sooner? Because he will take my money over the phone for a {$12.00} transaction fee. **So I must immediately pay {$34.00} plus {$12.00} payment fee, or be charged {$54.00} late fee. ** I did n't pay it. He harassed me about next month 's payment, when would I pay that, and it 's not due until XX/XX/XXXX. I make payments usually before the due date each month. 
Only one number for Green Tree : XXXX -- XXXX, XXXX is rude and wo n't help me, said I would be charged the late fee if the full amount of my mortgage payment was not received today, XX/XX/XXXX. I tried to get a payoff amount, and ca n't get that. I contacted the only other number I could find ( refinancing ) and they would n't even help me with a payoff amount! They hide like mice behind one phone number with very few options. Also my social security number is never recognized by this loan.