davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

15 U. S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX Date Opened:XXXX Balance : {$6500.00}
Consumer complaint received 2023-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCredit, Inc. (OH)

Hello, reference # XXXX on {$19.00}, XXXX on {$49.00} - I do not recognize the amounts. 
Please send me information for the name and address of the original creditor. I can not find it on my invoices I have at home. I do not recognize the amounts. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

i was given a XXXX XXXX  check drawn on the XXXX  XXXX XXXX for a project by a new client that i didnt know. on XXXX, i went into my wells fargo bank branch in XXXX XXXX and asked them to verify that the check was good. the teller said it appeared to be a valid check and then deposited the check on into my checking account. the next day i got an email notice from wells fargo bank saying that the check cleared and the funds were available in my checking account. on XXXX i received another email notice that the clients check had bounced. wells fargo bank told me the check appeared to be fraudulent and they removed the funds from my checking account. 

i thought, i had covered myself against any possible fraud since the funds had cleared my bank and where in my checking account. at that time, i began work on the project. i paid my clients vendor XXXX XXXX via 3 separate XXXX  transactions for stone he said, he had purchased from his vendor to be used on the project. 

wells fargo bank deposited my clients check into my checking account after i asked them if the check looked real, then the bank cleared the funds into my checking account the following day. so assumed i was good to start the project, which i did. 6 days later on XXXX wells fargo bank told me the check had bounced and they removed the funds from my checking account. i had begun work and paid vendors. i acted on good faith that the clients check had cleared and the money was safely in my checking account for my use. i think the bank should have put a hold on the funds if they had any reason to believe it may be fraudulent. wells fargo bank is refusing to reimburse me for the amount of the clients bounced check which was {$12000.00} including the XXXX XXXX  transactions i paid out totaling {$2000.00}. 

it turned out in the end, that the new client wasn't actually who he pretended to be and all the contacts and vendors the client gave me where also not actually who or what they pretended to be. they ran a fraudulent scam and got away with {$2000.00}. of XXXX payments plus the loss of time and expenses to my business totaling {$10000.00}. the grand total of my loss is {$12000.00} i filed a police report case number : XXXX XXXX XXXX police department, company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office : XXXX  / financial crimes unit : XXXX
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I have a Bk Chap XXXX thats was discharged on XXXX XXXX that a few accounts have reappeared on my credit as NEGATIVE and reporting as Late over 120 days, and over 150 days and Collections. Ive contacted the companys and I was told there look into it can take 30 to 35 days and Experian and XX/XX/XXXX can take up to 90 days to update my credit reports. These companys are putting it was in BK then on time there saying LATE,. COLLECTION etc, and there showing all the months I was late 1. XXXX XXXX XXXX  there reporting in Status as ( Late over 120 days ). As of XXXX. 2. XXXX XXXX there reporting in Current status as ( Collections ) as ofXX/XX/XXXX. 3. XXXX XXXX got cleared up BUT XXXX  still reporting ithis account as NEGATIVE when it was discharged in BK 2 years ago 4. XXXX  XXXX XXXX is on my Experian report as a Negative account on my credit report when they were discharged in BK Ch XXXX two years ago 5. XXXX XXXX is being reported as Over 150 days late with a late balance of {$1200.00} When it was changed to Current With nothing Past Due 6. XXXX XXXX XXXX  is being reported as NEGATIVE when they were Included in BK and discharged Two years ago
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (MD)

During XXXX, I had some financial hardships, and I was unable to bring my account up to date. I was offered an payment arrangement that would remove all past due account statuses If I paid XXXX consecutive months. I did that during the months of XXXX to XXXX, and the past due status was never removed. Finally, this account was paid in full, and it is not reflective in all of the bureaus.
Consumer complaint received 2020-01-06
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I pre-paid for a service with XXXX XXXX that was supposed to consist of a total of four days. By the second day I felt that my life was in danger due to incompetence and unexperienced personal. An ambulance had to be called due to the nurses negligence, therefore left during day two of services ( half  way through service ). Since they defaulted on completed the full service as agreed upon and putting my life in danger therefore feeling I had to leave I disputed half of the amount of the bill which was {$750.00} from the full amount {$1500.00} which was billed on XX/XX/XXXX. Capital One adjusted my bill in the amount of {$750.00} on XX/XX/XXXX. I then never received any word or form of documentation from Capital One regarding the active dispute therefore believing everything was copacetic. Then on XX/XX/XXXX I was re-billed {$750.00} on my account following with a voice message from the dispute department. I immediately contacted them back and they stated since I did not reply to mail they had sent that the case was closed and that there was nothing that they could do. I informed them that no correspondence was ever received on my end regarding this matter. They then told me that there is nothing that they can do. I refuse to pay for a service that was not received. They made no attempt to try to resolve the situation.
Consumer complaint received 2020-01-06
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. (MS)

Almost 9 years ago we filed for Chapter XXXX and have paid our debts except for a fraudulent proof of claim filed by XXXX XXXX XXXX. A judgement has now been determined that is binding through arbitration and entered into Federal district court. 
This chapter XXXX occurred due to the actions of this lender. The filing should be removed as it is almost 9 years old and the maximum is 10 years that it could stay.
Consumer complaint received 2024-10-11
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: CLGF Holdco 1, LLC (NJ)

I have an account with Concora Credit ( milestone credit card ). I contacted them to advise them of XXXX accounts showing on the page with I long in and on my credit report. Their customer service representative advised she did see this and would submit the necessary paperwork to have it investigated and corrected. She advised she would lock the XXXX account and ended up locking both accounts. Which meant I could no longer access any information or make a payment to the account at all. Once their investigation was completed the company advised of no wrongdoing and that they saw no issue. However, with the photo evidence you can see that this is truly incorrect. Now they are reporting that I am 60 days late on my credit report. Destroying my credit score. Please see evidence attached. I have attempted to work with them to resolve this issue which I have done my research and found that I am not the only XXXX this has happened to. Please assist me in correcting this issue.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

Over the summer of 2023, I was notified my loan was switched from Great Lakes to Nelnet. 

Upon logging in to the system in mid-XXXX to set up auto pay, the processing form reported 'error, your request can not be processed '. I double checked all the information entered ( which was correct ), tried again, and received the same error. I changed browsers - same error. I chalked it up to a systems issue and tried again at varying times over the following two weeks. I also tried using the regular one time payment method, and received the same error message as well. 

Yesterday, I sat on hold for XXXX minutes trying to contact Nelnet and understand what I should do with payments due on XX/XX/XXXX, and no feasible way to ensure payment is processed. Meanwhile, my loan continues to accrue interest that I can not pay off. After XXXX minutes, I had to end the call and return to work. I also submitted an email request yesterday outlining the issue, experience, and process I used. I underscored the need for a quick reply/solve due to the approaching XX/XX/XXXX deadline. I have not even received a response confirming receipt of message. 

I can not believe it is legal for a company to continue accruing interest on accounts that can not be paid on
Consumer complaint received 2020-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (CA)

No record of debt paid from previous agency. Lied, told me contacting the business directly to pay would lead me straight back to them. I called to get to the bottom of why a debt I paid a previous collection agency wasn't reported. Because of the age of the debt and a relocation, I don't have much to work with in terms of receipts/validation. I was told I was on a recorded line, I informed them I was also recording the line with my attorney and got transferred to a supervisor. After discussing options, the man I spoke with told me that if I contacted XXXX customer service to address the payment directly that my account was no longer handled by them and that XXXX would lead me back to Credence for payment. I see in their replies they review calls and provide their own account of what happened, but since I have my own recording of the call I'm happy to provide a direct and complete transcript ( with audio ) if need be. Prior to calling Credence today, I called XXXX and they offered to take my payment. On the same call with Credence, he pulled up my XXXX call log. I asked if he could see the notes and see where XXXX offered to take my payment directly, he said yes. I then told him that his indication that XXXX would direct me back to Credence to pay the debt was misleading and a lie. He tried to lie to me about XXXX being able to receive payment to coerce me into paying Credence. As a creditor, using misleading tactics is a complete violation. Combine that with the fact that they're trying to collect a debt I already paid once. This occurred on XX/XX/2020.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (TX)

Date Im not sure but transaction date as I did not purchase the item in the XXXX  was purchased on my laptop by my stepsister who really wanted it and purchased it while I was not home my laptop has all my passwords on it and my sister knows all of it. I did not purchase this item and the seller is not responding to get the item sent back if I want to send it back I have to pay for it to my understanding. The product were bought unauthorized on XXXX via my XXXX, which was connected on my laptop!
Consumer complaint received 2024-09-17
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Consumer complaint received 2024-09-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am writing to file a formal complaint against Toyota Financial Services concerning a serious issue with my lease account for a XXXX XXXX XXXX. I am experiencing significant problems related to an accident, the total loss of the vehicle, and the handling of my account and surplus payment. Despite my repeated attempts to resolve this matter directly with Toyota Financial Services, the issue remains unresolved, and my credit score has been negatively impacted. 

Details of the Issue : Lease Information : Vehicle : XXXX XXXX XXXX Lease Start Date : XX/XX/XXXX Lease Payments : All payments made on time without delays. 

Total Loss Incident : Date of Accident : XX/XX/XXXX Status : Vehicle deemed a total loss Lease Payment Due : XX/XX/XXXX, which was canceled by Toyota Financial Services. 

Insurance Payment : Date of Payment : XX/XX/XXXX Amount : {$30000.00} ( included a surplus of more then {$3000.00} over the payoff amount ). 

Surplus Payment Promise : Date of Communication : XX/XX/XXXX Letter received indicating that a check for the surplus amount would be issued within 3-5 business days after account closure. 
Account Status and Credit Score Impact : Account Closure Status : Despite being informed that the account was closed around the time indicated, my credit score dropped by XXXX points as of XX/XX/XXXX. According to XXXX and XXXX reports, my auto loan of {$13000.00} is still listed as unpaid, and the account remains open. 

Issue : Toyota Financial Services has received the full payment from my insurance company, yet my account is listed as open and unpaid. 
Attempts to Resolve : Multiple contacts with Toyota Financial Services ' Financial and Total Loss departments. 
Information received : The account is not yet fully closed due to pending steps by the Total Loss department. 

Advice given : File a dispute by mail to a XXXX XXXX XXXX XXXX, Texas, with no further assistance or resolution provided.
Consumer complaint received 2020-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANKMOBILE TECHNOLOGIES, INC (PA)

I had charges occur in XX/XX/year> that I didnt authorize and they keep denying me for reasons that make no sense. They tried to tell me that I reported in XX/XX/year> for a claim that happened in XX/XX/year>. I explained that I couldnt foresee the future, so theres no way I called to file a claim 6 months in advance before the unauthorized charges were going to occur. They were speechless. I spoke on speakerphone and there were several people in the room, the phone call will even corroborate that because the customer service operator said she hears other people is it ok to talk in front of them. They heard that I was spoken to like a child, made fun of, was made to be treated like an idiot. They are trying to drag this out to be past their 90 day cut off. They have not gone through and properly read all the notes like I did because they clearly show that the things listed were about different things. They also tried to tell me that had I got a new card in XX/XX/year>, i wouldnt have gotten scammed in XX/XX/year>. Thats insured! I said why would i need a new card when i keep saying I wasnt scammed in XXXX! XXXX my XXXX payment came out and I forgot what it was at first then immediately contacted them and said it was ok, it was my XXXX IPhone charges for my XXXX. They refused to let me speak to anyone else, give me any other email address phone numbers a manager, nothing. Please listen to our recorded calls! All of them and listen to hideous the calls sound. They make no sense. If they would just read all the notes they could see that there are different scenarios that take place in them. They keep lumping them all together for their benefit. Theyre bullying me horribly. I actually cried and wanted to runaway because of how they treated me. I felt useless, stupid, just awful. Ive never experienced anything like this ever! Please, could you please help me to make them take the time to see that they have hurt my feelings badly and to read the notes to get this right? Theyre bullying me so bad. They will not help me p, listen to me nothing. Theyre acting like what they say goes, I have no say in anything, I do not deserve any type of explanation nothing. This isnt right. This isnt how a bank in the US is supposed to be operated.
Consumer complaint received 2024-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (ND)

I have been asking for my payment history and refund. I am a part of the sweet vs cardone lawsuit and I am full class. My refund was due at the treasurey by XX/XX/XXXX. As of today XX/XX/year> nothing is at the treasury. I have called mohela XXXX a week for months.