davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (KY)

A man in Indiana named XXXX hacked my Western Union account on XX/XX/2017, changed my login/password and all my profile information. Then they sent themselves money using a bogus XXXX acct. I received an email with every step but I did n't get this until the morning after so it was too late to stop it. I immediately called WU and they filed a " case # ''. I filed a police report and thought everything was taken care of. I received an email from WU on Sat XX/XX/2017 XXXX stating they were unable to retrieve the funds on the transaction and were therefore pursuing me for payment. I called to remind them of the fraud that took place and the man I spoke to insinuated that I had something to do with the hack to my acct. I was furious and told him I would call back with the police report # although that should have been their job. I tried calling back once I had the report # but the recording gave no options for being transferred to customer service and there were no options to leave a voicemail so I sent them an email instead along with all the information I have gathered. I have yet to receive a response from them. I hope to forward all correspondence to you for review as I would like to get this resolved without pursuing legal action if possible. Thank you for any assistance you may be able to provide. 
p.s. Some of the attachments are a result of my own investigation of the thief. He apparently lives in a town that is only XXXX miles from the location where the funds were picked up. He has a criminal background which is why I feel it is necessarily to include this for review in case Western Union would like to pursue legal action against this individual. I have done the majority of their work. They need to clear my name of any responsibility as I am clearly a victim of fraud.
Consumer complaint received 2017-04-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

XXXX Dear Sir or Madam, I am writing in regards to my five XXXX XXXX Student Loans totalling {$64000.00} ( as of XX/XX/XXXX ). I have qualified and been making payments on a Rate Reduction Plan, as I, nor my cosigner, can afford to make the previously quotes full payment of over {$800.00} per month. 

After several conversations with customer service members, I was offered a Rate Reduction Plan of {$280.00} per month, and that amount has been automatically deducted from my checking account on the XXXX of the every month for the past year. However, last month, on XX/XX/XXXX, XXXX separate charges of {$53.00}, {$50.00}, {$49.00}, and {$47.00} were made to my checking account without warning or my consent. On XXXX, following these charges, my monthly payment of {$280.00} was automatically deducted as usual. As a result of these four unauthorized charges, my checking account was overdrawn and I had to reschedule payment on other bills. 

On Friday, XX/XX/XXXX upon discovering these extra charges to my account, I called Navient and spoke with a customer service representative. She informed me that the reason I was charged these extra fees was, " another team member processed the payment without realizing payments had been automatically scheduled. '' When I asked the representative how quickly the charges could be reversed, she informed me that my case would not be reviewed until XX/XX/XXXX and charges would not be reimbursed for at least 5-7 business days after that. 

As a result of these charges, the rate reduction plan was cancelled and I was told to call back to make my XX/XX/XXXX payment and re-apply for the program. On XX/XX/XXXX, I contacted Navient in order to re-apply for the Rate Reduction Program I have been enrolled in for a year, and was told by the customer service representative that they, " do not offer any sort of Income Based Reimbursement Program for private loans ; it is only offered for federal loans. '' When I disagreed and explained that I had been enrolled in this program for the last year, I was asked to hold and nobody returned to my phone call. 

I have submitted a previous complaint to the Consumer Financial Protection Bureau regarding the initial monthly payment of over {$800.00} quoted in XX/XX/XXXX, and I am prepared to submit as many complaints that are required in order to resolve this matter. 

Please feel free to contact me at your earliest convenience with any questions or concerns.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2017 I escalated my complaint to wells Fargo corporate to inform them the claims department was refusing to investigate my claims the rep I spoke to before XXXX stated the claims department do not have to investigate my fraudulent transactions ( in other words ) and begame putting words in my mouth that was not what i said like she was conspiring to my fraudulent transactions or it was her her self which had a part in these fraudulent transactions on my account
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (SC)

Have faxed information several times to Equifax dept of consumer affairs and they keep stating that they have not received my forms for ssn and utility bill but have received my disputes. this initial began on XX/XX/XXXX/17 and I was told I could not get a copy of my credit report until they received this information. Well I received a copy of my credit report. They are stating information is missing from the SSA 85 form which is their address. I corrected the information and faxed it over the last 2 weeks and they receive the other pages in the fax but not these forms. I believe someone is taking the forms out. I just want to take the fraud alert off and have my inquires and disputes taken off my credit report and they are n't allowing me to do this. if I mail the form I believe they are going to state they have n't received that as well please help
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

So I have called TransUnion. XXXX. And. XXXX. I tried to update my information calling them. But they deny me all my stuff. I sent them letters. Certified. They have them in their system. They say they're going to update my stuff, I dont remember the days that I have called but it's been almost three months so now I need looking for help.
Consumer complaint received 2018-05-07
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. (FL)

I am requesting your assistance to resolve this urgent matter. 

My complaint is about negative information on my credit report that create difficulties for me to receive loans. During my divorced, I have, and still is experiencing financial hardship as a result of three companies restraining my ability to obtain loans from other companies. These fouXXXX companies that are hindering my ability to receive loans are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, andXX/XX/XXXXXXXX/XXXX XXXX. All four companies were paid in full and loans satisfied. 

For instant, XXXX XXXX ( XXXX XXXX XXXX XXXX ) received last final payment of {$6600.00} for an automobile loan on XX/XX/XXXX. There was a four years commitment to pay off this automobile loan for {$26000.00}. I paid it off within that frame of time, four years. In spite of my difficulties, I managed to keep my commitment payment agreement. I believe negative information should be removed due to circumstances mentioned. 

Furthermore, XXXX XXXX account sprung up from nowhere. I never applied for aXX/XX/XXXXcredit card from this company. There was a credit union who sold the company to XXXX XXXX. I wrote the credit bureau about my account being switched and I did not receive any options from the credit bureau to clear the matter. On XX/XX/XXXX, XXXX XXXX account opened and it has been updated as of XX/XX/XXXX. These last payment made on account was XX/XX/XXXX. XXXX XXXX account is current and pay as agreed. I was surprised to see an adverse remarks on XXXX XXXX account. These negative remarks must be remove because I gave this company my full efforts to pay on time and I did not abuse my credit limit amount. 

Additionally, XXXX XXXX XXXX XXXX has been paid in full on XX/XX/XXXX for {$4100.00}. I did not escape my responsibilities for not making payments, because it was my obligations to do so. I am requesting the late payment be remove because of my efforts to steadfast of my obligations and to not make matters worse. 

Finally, XXXX/XXXX XXXX, this account is current and paid in full. In advertently, due to some error, I have a 30 day delinquent on my account that must be removed, because this also hinder my ability acquire loans.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Security Credit Services, LLC (AL)

I have had an account with a company called XXXX for over a year. I had a down turn and they offered a payment agreement to help me keep my account current. I recently checked my credit files and noticed a company called XXXX claiming to be collecting for them in the amount of {$1600.00} ( I only owe {$500.00} ). I immediately contacted the original company and they had never heard of them when I let the credit bureaus know and disputed XXXX immediately responded by removing their account, however, they re-submitted it under another name, Security Credit Services. I spoke with the original company again, and they explained it is fraudulent as other customers have contacted them about the same thing. I have disputed it again with the credit bureaus, but it still remains on my credit reports. This is fraud, as they have not purchased or gotten my account from the original company, who is still taking payments directly from me per an agreement.
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CT)

I received an alert from XXXX that someone posted a debt on my credit report. All clear tried to conference them in to me but they stated they needed my address to verify who I was. I would not supply my address I asked them to supply the address of the person they were collecting the debt from. XXXX stated it was for XXXX a bill for {$150.00}. I do not have any accounts with XXXX. The representative was rude and would not discuss the issue with all clear and myself on the line. I told them I researched their company and there were several complaints of scam billing. Since I would not supply my address to verify they would not discuss my account. I know it was because all clear was on the line.
Consumer complaint received 2023-08-02
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. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P. (NV)

I made a agreement to pay debt but not own the debt. I ask could they put my agreement in writing and they refuse to but in writing what I agree to pay them because they say it is they company policy not to give a written agreement. It also is not the amount that they company wanted from they phone company the asking me an amount more than what they claim i owe
Consumer complaint received 2017-04-13
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery has been calling me and all my family members on their cell phones continuously. They are calling my home all day long. I have tried talking to them, but are rude and not willing to listen. This is over a ten year old account, when I was laid off.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX NUMBER XXXX XXXX XXXX XXXX XXXX, NUMBER Account : XXXX XXXX XXXX  : NUMBER Account : XXXXXXXX XXXX XXXX XXXX NUMBER Account : XXXXXXXX XXXX XXXX XXXX NUMBER Account : XXXX
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following account is not mines. I have called XXXX XXXX and the collection agency attempting to receive payment, and neither one of them can tell me where the charges came from and seeing that I am current customer of XXXX XXXX, how do I have a past due amount on an account that I have been paying on since XX/XX/XXXX. The account in question : Creditor Name CREDIT COLLECTION SERVIC Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-04-14
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TCF NATIONAL BANK (MO)

An Auto loan was opened in my name with Gateway One XX/XX/2016. My identity was stolen and used to purchase a vehicle. I was not employed at the time, nor did I live at the address that isXXXX in the contract. After doing my own investigation I learned the vehicle was purchased from XXXX located in XXXX, Mo.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-08-02
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (MD)

To the best of my knowledge I have no contractual obligation with this company. I do n't know where this company has come from. I sent a request for them to provide me documentation and proof of this account as its my right to do so. However they fail to provide me any information. They continually just sends me a statement. I contacted the credit bureaus and they have failed to respond and or provide proper documentation.
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I called the Experian customer service number they told me that inquiries can not be removed off of my report I know that is not true I would like the name the telephone number and extension of the person they speak to And the reason why If not deleted here is a list of inquiries XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2023-08-02
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2017-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

Last year my student loans were transferred to Fedloan Servicing after I submitted paperwork to be part of the Public Service  Loan Forgiveness ( P SLF ) program. Since that time, Fedloan Servicing has begun to count my qualifying payments. However, they are counting only the qualifying payments I have made to them and not including those made to my previous loan service provider. My student loans were previously with  XXXX , during which time I made 12 qualifying payments. I have contacted Fedloan Servicing numerous times to request that the  XXXX  qualifying payments I made to  XXXX  be reflected in my account as qualifying payments. Each time I call I get a different story and a different explanation of the process. I want my 12 qualifying payments mad e to Nelnet to be r eflected in my account with Fedloan Servicing, this is something that should have been done automatically when my loans were transferred. Why would n't they have done this when my loans were transferred in the first place? Obviously the loans were transferred because I had qualified for the program! I do not wish to spend the ne xt 8 to  9 years dealing with this problem. Please help.
Consumer complaint received 2023-08-03
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. (CA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 

XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9600.00}.
Consumer complaint received 2017-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (IN)

Contact nelnet about my student loan and receive no help. I filled out a repayment application, emailed it in with the correct documentation got an email response back that it was received. I was told it would take abo ut 10  business days to get a response. received another email that they needed me to verify if I was married and if I had children and immediately responded back. now they 're saying that I filled out the form incorrectly which they 've never said before. I was not told that it was on a recorded line I was not read a mini Maranda I claiming that this is an attempt to collect a debt anything obtained will be used for that purpose which is legally they are responsible to do and I still have not received any information about the form