davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC (NM)

On XX/XX/year>, I applied online for a consolidation loan from BHG. It was denied, and no reason was given. The website promised to send a letter detailing the reason ( s ), but I never received one. On XX/XX/year>, I text-messaged two numbers I was provided by another customer. I asked for the reason for denial and to inquire about a lesser dollar amount. This text was ignored. On XX/XX/year>, someone from BHG called me- not in response to a text, but rather as an automated follow-up. We discovered that the initial denial had been caused by a credit freeze I had initiated. I logged in to my account at XXXX XXXX removed the freeze, and the BHG representative walked me through the process again. This time it took 24 hours and I was denied. I received an email telling me that I was denied, but no reasons. I responded to the email using the address of the representative, which I know is monitored. As of today, I still have received no responses and no letters.
Consumer complaint received 2024-06-28
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: Experian Information Solutions Inc. (NC)

Experian is reporting inaccurate information, I specifically requested accounts associated with identity theft be blocked and removed, Experian response was 1. The request to block information was based on a material misrepresentation.

2. I have agreed in writing that the information was blocked in error.

3. I knowingly obtained or should have known that I obtained possession of goods, services, or money as a result of the blocked transactions. I requested how this was determined specifically, 1. A detailed explanation of how it was determined that my request to block information was based on a material misrepresentation. 
2. Evidence of the written agreement you mentioned, where I purportedly agreed that the information was blocked in error.

3. Specific documentation and evidence that led to the conclusion that I knowingly obtained or should have known I obtained possession of goods, services, or money as a result of the blocked transactions. Please provide this information in compliance with the FCRA, which mandates that consumers are entitled to know the basis for decisions affecting their credit reports. Additionally, I request copies of all documentation, communications, and evidence that were used to determine these results. 

Furthermore an account with XXXX XXXX is also reporting inaccurate information and Experian has verified it as accurate. I've spoken with XXXX XXXX and they have stated they have not provided this inaccurate information to Experian. Therefore Experian is violating my consumer rights and multiple consumer protection laws.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

My servicer was XXXX. In 2008, during the financial meltdown, I asked for assistance from XXXX  to either lower my payment or use a forbearance, they instead put me in a deferment that accrued interest. I now see that XXXX  is paying a penalty and reimbursing for their illegal dealings. My student loan was originally {$73000.00}, I paid payments of $ XXXX. My current balance is {$110000.00}. If I had been put in forbearance, this interest would not have accrued. My loan has been transferred to Aidvantage and I am currently in an income driven plan with XXXX payment. I have tried to get this loan forgiven, I am XXXX and live on social security of {$1500.00} per month. I was horribly taken advantage of by XXXX. I now see that XXXX  is obligated to reimburse the people they cheated, and I want to know if this loan is in that group. The last XXXX  class action lawsuit, I didnt get included because they said I didnt make a claim. How do I ensure I get included in this go around.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I recently reviewed my credit report and noticed an account that was not reporting correctly. 
Theres a late payment shows The consumer reporting agencies need to report all information with complete inaccuracy. These accounts had not and never been late on payments. I have attached a copy of my report to this complaint and now I am requesting you to investigate this account block and delete immediately.
Consumer complaint received 2024-09-19
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Reporting of Inaccurate Information by TransUnion Dear CFPB, I am writing to formally report an issue regarding TransUnion, which continues to report inaccurate information related to my XXXX account. This account was paid off in full on XX/XX/2024. Despite this, TransUnion is still reflecting this account as {$190.00} which is inaccurate reporting of this accounts status.

I am attaching documents that confirm the account has been paid off in full. Additionally, I wish to bring to your attention that TransUnion has been accessing my credit report without my written consent, which is a violation of the Fair Credit Reporting Act.

This situation is unacceptable and clearly violates my rights under the Fair Credit Reporting Act. I would appreciate your assistance in addressing this matter and ensuring that TransUnion corrects their reporting.

Thank you for your attention to this important issue. I look forward to your prompt response CFPB ACCOUNT IS PAID OFF Sincerely
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2024-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

Hello, I believe Barclays card isinvolved in systematic, unfair and predatory practice. The bank entices consumers to sign up for their credit card with an initial milage offer. Encourages consumers to setup automatic payment and online billing. Then charges an annual fee and receives the automatic payment. These transactions are inconspicuous to most consumers these days since we receive so many emails and automatic bank charges. When calling the bank and clearly demonstrating that no benefits of the card plan were utilized and requesting a refund, the bank denies the request even when escalating to a manager. 

I recently noticed that Barclays has charged me an annual fee for a card I have not used for several years. I called Barclays to request the refund for the last charge on the XXXX statement. The customer service agent said it can not be refunded because the charge occurred outside of 60 days as I called on XX/XX/scrub>XXXX I escalated the request to the supervisor. XXXX the supervisor also told me this can not be refunded. Barclays has charged me for three years and for two of those years I have not utilized the card at all and they would not even refund me for the latest charge Please investigate the volume of consumers who are paying annual fees without using any of the card benefits and determine whether it would be a reasonably fair practice to more clearly inform the consumers in such cases after a reasonable time frame and allow consumers to request a refund. 

Thank you.
Consumer complaint received 2024-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

Received an email from Aidvantage in XXXX of XXXX that the discharge process would take 7 months. It is now XX/XX/XXXX and I still waiting on them to process my loan discharge. I have been advised by the Borrowers defense/Department of education that they have sent Aidvantage instructions to discharge my loans.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: The Savings Group, Inc. (TX)

Today, XX/XX/year>, I applied to refinance my truck through AutoPay after receiving an outstanding recommendation on credit XXXX. Autopay called me and offered a significantly higher rate that what was offered in XXXX XXXX. When I spoke to the agent, I was told that my XXXX XXXX XXXX was much less than what shows in the XXXX App which was updated through today. This is a bait and switch situation and not fair. Ive spent years rebuilding my credit to have unnecessary hits to it.
Consumer complaint received 2019-08-07
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. (NY)

To Whom It Concerns, I noticed an unauthorized charge to my bank account this morning, XXXX XXXX, 2019 XXXX XXXX XXXX, 2019 XXXX PAYMENT DEBIT EXPERIAN XXXX XXXX CA XXXX XXXX XXXX ). I authorized no one or Experian to open a membership with Experian. 

When I called Experian I was told it was for a membership that I opened in XXXX of 2019. They have been charging me since XXXX but because I have not had time to monitor my bank account regularly I did not realize I was being charged until this month. 

When I explained the fraudulent account opened in my name they canceled the account but refused to give me a refund. They said they are not responsible, they said to dispute it at my bank. 

Where do these people get the power to open accounts in my name and take no responsibility for the action? If this is legal then laws need to be changed. Experian and the other Credit Bureaus are out of control. 

I not only want a refund from them but I want to know how these people can get away with sharing my information with anyone they choose. 

Please advise and Include why they are not accountable to anyone. These people need to be held accountable. 

Sincerely, XXXX XXXX XXXX : XXXX PS : The so called membership they signed me up for is as follows. 
Membership ID # XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (CA)

A company named MaxLend I believe is a fraud company that illegally and fraudulently attempted to process a loan with my name, birth-date, email address, social security number, and fake address on XX/XX/year>. The application information was clearly fraudulent because the street and address was not associated with the city and state the application contained. The company attempted to complete a loan application without my signature or my permission. The fact that the phone number, address, and city were not real should have been an immediate red flag and that it was fraudulent. Yet MaxLend continued to process the application and attempted to extort me. As soon as I became aware of the fraud ( On XX/XX/year> via an email ) I left phone messages and emails and the company did not respond to me. After some time I sent an email to their fraud department and verified my personal information with them. The Company responded to me and wants more personal information I am uncomfortable providing them like an affidavit, a copy of my identification, and a police report. They have refused to work with me and stop the fraudulent application process. I have requested that they remove the fraudulent credit inquiry from my social security number and they have not done it. It is my opinion this company is fraudulently attempting to use my personal information and to get a fake loan in my name. MaxLend XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection 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 INQUIRIES XXXX XXXX XXXX/2024
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (DC)

XX/XX/year> was my due date of XXXX  credit cRd acc with wells fargo, i have set up automatic payment and until end of XX/XX/year> there was no information about the automatic payment and there is no trace that automatic payment is set. I called wells fargo customer service and the staff confirm what i see and said there is no pending payment or any processing payment from the autmatic payment i have set. She then recommend me to pay it manually because that day was the due date to avoid the fee ; i express my concern that i dint want to be in the situation where i have to pay the bill twice as i dont have enough money in my bank to cover the payment twice. The bill was around XXXX XXXX she then assured me there is no pending payment from the automatic payment and if i pay it manually it will cancel out the automatic payment so i wont pay twice. i did then pay it manually and the next day i got notice thay my other bank has minus balance because wells fargo debit my XXXX XXXX the amount of the cc bill twice, resulting in XXXX debit in a single day. I then have overdraft issue and each day fee is XXXX $ ( XXXX XXXX ). I called wells fargo the next morning and they said they cant do anything and reversal will take them 11 working days to process. Now each day this issue caused me XXXX $ each so 11 days will cost me over XXXX $ ++, and if overdraft include weekend day this will cost me well above XXXX $!! I called wells fargo multiple time and there is no sense of urgency to return back the money and no willingness to help.i am still left hanging with XXXX fund in my primary bank acc
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XX/XX/year>, the PNC branch at XXXX XXXX XXXX XXXX, FL XXXX gave {$6000.00} to an individual claiming to be me. The individual did not have the debit card, nor the PIN that was texted to me and the signature is not even close to mine. I'm unsure if they had a fake ID with my name. I received a PIN via text with a message to call if I did not request it and was told by the customer service rep that it was probably an old, delayed PIN from a previous time I called. The way she was speaking, she sounded as though she was not with PNC and I thought the text with the number was a scam. I thought nothing of it, until I received an email today, XX/XX/year> that prompted me to review my account. Upon doing so, I realized that it is {$6000.00} short. After much discussion and prompting, the customer service person informed me that the transaction happened at the XXXX branch. She was very reluctant to provide me with that information until I informed her that I needed to know if my identity was at risk. 

I called the XXXX branch and spoke with the Branch Manager who requested my account number. The account # is mostly XXXX 's online and I was unable to provide it. She instructed me to go to my statement and said it would be there, which it was not. She then asked for my SSN which I refused to give her. I did not trust a possible accomplice to this theft with my SSN. 

At this time, I have filed a police report and am awaiting a call back from the fraud department at PNC.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am lodging a personal complaint regarding inaccurate late payments on my credit record. Upon reviewing my financial history, I discovered these erroneous entries. Although I sent correspondence about this issue over a month ago, I've received no response or adequate validation. I'm now seeking prompt assistance to resolve this matter effectively.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to address a critical issue concerning fraudulent personal information linked to my identity. Several accounts and transactions have been falsely attributed to me without my authorization or awareness, causing me considerable anxiety and hardship. I have fallen victim to identity theft and have already taken steps to report this incident to the appropriate authorities. 

This situation demands immediate attention as it has severely impacted my financial stability and personal reputation. I respectfully request your full cooperation in swiftly removing all fraudulent information from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary documentation to support my case.
Consumer complaint received 2024-09-17
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)

I have made repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/XXXX, I noticed that I was unable to log in to my Barclays accounts. I waited on the phone for over an hour before being told that this was a technical issue on Barclay 's end. I then called back Thursday, Friday, Saturday, and most recently today, Monday XX/XX/year> to try to get this rectified. I can not access any of my funds online or using a mobile app. The wait time is longer than 40 minutes to receive assistance. I was assured this would be fixed no later than XX/XX/XXXX, and it has still not been fixed, and I am still unable to access any of my funds to pay bills or make transfers. If you call Barclays, they acknowledge that there is an issue with accessing accounts on their pre-recording, so this is clearly an issue affecting more than just me.
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MI)

XXXX other reviews as well as my own explain Aargon Collection Agency illegal and unethical practices when it comes to data reporting and debt collecting as well as there unwillingness to properly validate debts and miscommunications practices to further hurt consumers. Aargon Collection Agency Will say they have following FCRA practices but damaging credit by XXXX points for a account you never validated while refusing to state which address you sent it to follows heavily with the manipulative practices others have reported from you.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (GA)

I received a collection notice from XXXX NCB MANAGEMENT SERVICES in the amount of {$3400.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; once signed on line 15 USC 1681 ( a ) ( 4 ) Infringed upon a consumer rights to privacy
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (CA)

Sometime early in 2024, my account with US Bank became overdrawn and eventually closed with a balance owed. Between the months of XX/XX/2024 until now, I continue to be contacted by XXXX separate entities for this same debt : 1st Entity : US Bank 2nd Entity : XXXX 3rd Entity : XXXX  XXXX XXXX I am being contacted at the same by all XXXX of the entities- which is stressful. In addition, how can the same debt be held by XXXX different entities. This is also affecting my credit report and XXXX  report. On XX/XX/2024, I paid the US Bank debt to the debt collector XXXX, however, I am still being contacted by all the entities named above and it still being reported on all credit reports and XXXX.