davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Performance Settlement, LLC (AZ)

A company called Performance SLC LLC called me claiming to want to help me be forgiven of my student loans with the " obama student forgiveness program ''. They claimed they would consolidate my loan and after 3 yrs I would be forgiven of the remainder. They have my social security number ( but I refused to give my bank account info which they were pressing very hard for ). I looked up the company and realized it was a scam. I am worried they will use my social for fraudulent behavior under my name. They are calling and preying on people who are struggling with debt. I sent them an email stating they had did not have permission to use my info for anything but Im not sure what else to do.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint against Experian concerning unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with Experian, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : XX/XX/year> - 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed.

I have formally disputed these inquiries with Experian, as documented in my letters to them over the past years. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report.

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized activity.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

REGARDING THE COMPLAINTS I JUST FILED XXXX ENDING XXXX AND THE XXXX MOST CURRENT XXXX XXXX. I FOUND LETTERS FROM BANK XXXX DATED XXXX/XXXX/XXXX STATING THAT THESE ACCOUNTS WERE FRAUDELENT ON CARD ENDING ON XXXX I AM ATTACHING THEM AND I NEVER RECIEVED ANYTHIG AND THAT IS FURTHER PROOF OF WHAT HAS TAKEN PLACE BY THE BANK AND THEY NEVER MENTION NONE OF THAT AT ALL AND TRIED TO COMMIT FRAUD. I EMAILED THE CORPORATE PRESIDENT. I HAVE EVEN FURTHER PROOF OF THE LIES THAT HAVE TAKEN PLACE. I EVEN FILE POLICE REPORTS AS WELL AS FTC.
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (OR)

I received a letter from American express after I filed the initial complaint # XXXX. In the letter, they acknowledged the issue and promised to resolve on or before XXXX XXXX, XXXX. However, XXXX months have passed and nothing has been done to resolve this issue.
Consumer complaint received 2017-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX XXXX, the HR representative for the company I work at, opened a letter, post marked XXXX from Capital One demanding a 25 % garnishment of my wages. I found this out by calling the Law Firm who sent the letter as my HR rep and I could not even figure out what she was supposed to do! I was told that she is to garnish 25 % of my wages and send to them each month! The total debt is $ XXXX and was a judgment filed against me in XXXX! When I told the Attorney I would be happy to make a payment plan with them, I was told I could not until 50 % of the debt is paid via garnishment! 

If I made loads of money, 25 % is a lot of money! Even if I got a second job, I do n't think I 'd be able to recoup and be able to pay my rent and other bills! I spoke with the attorney where I am working who explained that a credit card judgment is obsolete after 10 years so that is why they are trying to collect after all these years! I did not receive any mail from them, I still have not! There was a postcard attached to the paperwork that HR received where I could ask for an emergency hearing, which I immediately filled out and put in the mail. I am just flabbergasted! I am absolutely willing to try to make this right but I ca n't afford to be homeless trying to pay for a very old credit card, and the thousands added for interest and late charges.
Consumer complaint received 2017-11-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (CA)

I am currently refinancing my house. It was brought to my attention that XXXX XXXX Bank student loan on my daughter that I co signed on shows it was XXXX. The amount of the student loan was {$17000.00}. Both companies have indicated that they can not make you pay on a loan they wrote off as a loss and shows on my credit report as XXXX. So I am asking for help to see if they are allowed to make me pay on a loan they took as a loss. 

In XXXX when I was XXXX from my bankruptcy, I was contacted by Wells Fargo and told I had to pay this or they were going to lien my house. I owed the debt and was responsible for it. I asked why they did not correspond during my bankruptcy. They signed a contract is a contract and I owe it. 

I have been paying since XXXX {$170.00} a month because I wanted to build my credit scores. The title companies say it shows I am delinquent XXXX months which is effecting my XXXX XXXX. I have asked for a copy of my credit report. When I went on XXXX XXXX drop down the information on Wells Fargo it shows Closed - Current payment status - In Collections/Charge-off. 

Could I please get some help regarding this situation if they are in the wrong for doing this of discharging it and now making me pay for a loan they wrote off as a loss.
Consumer complaint received 2021-12-01
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Per my rights under the FCRA, please provide the contact information for the third-party vendor that supplied you with this errant information, since my court does not have a subscription to your credit bureau.
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

Good Afternoon, I bank with Wells Fargo and have no protection whatsoever on my checking account. An individual sent me money via XXXX XXXX. The individual went to his bank after sending the money and opened a fraud claim. The individuals bank approved the claim and took {$150.00} from XXXX XXXX, and then XXXX XXXX turned around and withdrew {$150.00} from my account. There was no notice of any kind from Wells Fargo. XXXX XXXX just helped themselves to my account as if it were their account. Where is the protection?? Why can a third party just have unlimited access to my account? That is inappropriate and when filing a dispute, I was told that I would not get my money back. Please note that Wells Fargo does not even investigate!
Consumer complaint received 2017-11-08
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: Experian Information Solutions Inc. (NC)

I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (FL)

In XX/XX/XXXX, I contacted Global Client Solutions also known as XXXX XXXX XXXX, regarding resolution of 3 accounts to be made. They required deduction of {$540.00} per month from my account and told me they were going to work with the 3 accounts to pay them. Upon receiving current statements from the 3 accounts, I saw that NO funds have been transferred to the accounts to date, plus I am being charged late fees from each of the accounts, along with reducing my credit rating. 

On XX/XX/XXXX, I contacted my bank to stop payments to them, and have asked Global Client Solutions for a refund of all funds they have taken. 

To date, I have not heard from them
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I fell behind on my mortgage after my business failed and was causing me to have a massive amount of negative cash flow. I have now sold that business and I would like to save my home. I hired an attorney  to help me apply for a loan modification and my attorney says my lender is evading reviewing my mortgage by asking for unnecessary paperwork and explanations. My lender is digging into my tax returns from two years ago asking questions about why certain income does not show up on it. My attorney has a licensed loan officer and underwriter that has already underwritten my file and it was submitted complete and with sufficient information to make a decision. Letters of explanation about tax returns from 2015 have nothing to do with my current financial information and according to my attorney are only ways my lender ( XXXX ) uses to evade, stall and avoid reviewing me for assistance.
Consumer complaint received 2017-11-08
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. (NC)

I disputed a fraudulent charge on my Equifax report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After Equifax ruled against me, XXXX then followed Equifax 's lead I then sought to send Equifax information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to Equifax to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XXXX XXXX First reported in XXXX XXXX for collections
Consumer complaint received 2017-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

This is regarding the Public Service Loan Forgiveness Program. I 've been with the same qualifying XXXX   employer since XXXX, have been in a qualifying repayment plan for the last 3 years after finding out that the plan I was in was not a qualifying plan, and have made payments on time each month. After switching to the XXXX XXXX as directed under the program for an assessment of my eligibility for the program earlier this year ( XXXX XXXX ), I  was just informed on XXXX XXXX, XXXX that none of my payments since switching to the qualifying repayment plan were qualifying payments. When I spoke to a representative from XXXX XXXX, she said that my prior loan server had me in a plan with loan terms that were not qualifying. Nowhere in the information posted on the Department of Education 's website about the program does it discuss the qualifications of a plan with respect to loan terms. I stated this to the XXXX XXXX representative who noted that there are a lot of details about the qualifying loans that are not posted. As a result, I do not know if the assessment of my payments is accurate to make the non-qualified payment determination. It 's also unclear to my while my previous loan servicer, XXXX XXXX, put me in a repayment plan with terms that do not qualify.
Consumer complaint received 2017-11-08
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: Bull City Financial Solutions, Inc (NC)

I disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XX/XX/XXXXto the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, XXXX then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
Bull City Financial Solutions is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-11-08
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: CITIBANK, N.A. (IL)

I have started to monitor my credit report and noticed hard inquires on my report that I did not authorize. I have contacted the companies and the credit bureaus with no success and no help. The inquiries below should not be appearing on my credit file. I never gave verbal or written permission to these companies to run my credit. I have been a victim of identity theft in the past. 

XXXX pulled my credit report on XXXX/XXXX/XXXX Syncb pulled my credit file on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Macys/Dsnb pulled my credit on XXXX/XXXX/XXXX Cbna pulled my credit file on XXXX/XXXX/XXXX Credco/Mr XXXX pulled my credit file 3 times on XXXX/XXXX/XXXX Cbna/Sears pulled my credit on XXXX/XXXX/XXXX Sterling XXXX/XXXX/XXXX
Consumer complaint received 2024-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXXXXXX XXXX XXXXXXXX account number XXXX. Despite multiple requests for correction, with dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, TransUnion has not addressed my requests. This ongoing lack of response violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my XXXXXXXX XXXX  XXXX account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness, causing undue hardship. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, thus preventing unfair penalties to consumers. Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notation from my credit report for this account, along with written confirmation of the correction from TransUnion. Discrepancies and Errors Across Bureaus TransUnion Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX  Payment Errors : Incorrect 30-day late payment reported in XXXX and XX/XX/XXXX. XXXX XXXX Errors : Has no late payments reported. Please resolve these discrepancies and remove the erroneous late payment notations across all bureaus immediately to prevent further escalation, including potential legal action and additional complaints with relevant consumer protection agencies. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

I called my Creditor XXXX XXXX last night XXXX XXXX/XXXX/XXXX XXXX one day prior to my due date ( XXXX XXXX ) to pay  XXXX toward my balance of XXXX} The female clerk that took care of the transaction over the phone charged me the whole balance of XXXX instead of the XXXX that I had only authorized, for this reason my account was severely drained since it was a debit card transaction. 
I told her to reverse the charge immediately and She proceeded to say she could n't reverse the payment and that I needed to call my bank.I had no other option but to call my bank I called my so called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and turns out they wo n't help me either. They claim that city bank has the funds. None of these two institutions will refund my money. 
In a matter of hours my account will be negative due to previously programed payments. 
I need my funds to be returned immediately. Not in 3 to 35 business days as they said. 
XXXX has stolen XXXX from me. And I need my money returned immediately!
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I had a mortgage with Santander Bank that was refinanced with XXXX XXXX on XXXX/XXXX/XXXX. Santander Bank automatically withdraws the mortgage payment on the XXXX of every month, from my Santander checking account. Santander withdrew my XXXX mortgage payment on XXXX, XXXX/XXXX/XXXX totaling XXXX from my Santander checking account ( see attached mortgage statement ). My checking account is now overdrawn. I contacted Santander Bank yesterday XXXX/XXXX/XXXX and today XXXX XXXX/XXXX/XXXX and they claimed the payoff funds were not received until Monday XXXX/XXXX/XXXX the day the mortgage payment was withdrawn from my Santander checking account, and although my mortgage with Santander is closed they can not ( or will not ) return the XXXX to me for at least 10 business days, and via a check in the mail. This is unacceptable ; my checking account is overdrawn and I need money for daily and weekly expenses. I want the XXXX mortgage payment automatically returned to my Santander checking account immediately. In addition, the payoff from XXXX was higher than the ending principal balance of my loan with Santander and Santander says it will also take at least 10 business days to calculate the refund to me, at which point they will mail a check to me. Why so long? That is also ludicrous and I want to see that money come back to me as soon as possible. Because of the personal information in the XXXX refinance paperwork I am not attaching the file but can provide that paperwork if needed by BBB which shows that the refinance took place on XXXX/XXXX/XXXX. Thank you for your help with this issue!