davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to my XXXX, my Dept.of Education loan has been discharged. The account is still showing a balance. I would like to have this account removed immediately from my credit report.
Consumer complaint received 2018-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (NC)

I have an existing auto loan with Westlake financial. I traded the vehicle on or around the XXXX of XX/XX/2018 and westlake has been calling for the payment due on XX/XX/2018. I stated to them when they called on the XXXX that I traded the vehicle and they have been calling every day 3 to 4 times a day asking for the payment. I have spoken to numerous people at this bank and they are really rude about this saying they have not received the payoff check yet so I gave them the dealership info and they said they can not call them. So I told them I have no control over that payment but they told me my acct is still active so I am responsible for the payment due. I had the finance manager call them and they still calling me harassing me. Please tell me I can sue them for this action.
Consumer complaint received 2024-02-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

Back in XXXX of XXXX, I received an email from XXXXAmerican Express advising that for each additional cardholder that was added to my account, I would qualify for a XXXX mile credit up to 4 authorized users. I took advantage of the promotion, added the users to the account thru the link that was provided in the email. After the qualifications were met, I reached out to Amex in XXXX, XXXX, XXXX, XXXX, and each time I was told that the credits would post 8-12 weeks after the qualifications had been met. The qualifications were met no longer than XX/XX/XXXX. I reached out to them on XX/XX/XXXX and was told I needed to request credit from XXXX, after reaching out to XXXX, I was advised that I needed to reach out to AMEX. Today on XX/XX/XXXXXXXX  I was told that their research team said that despite the information provided by me, there was no promotion offered, despite me receiving one of the XXXX bonus miles for one of the additional users on XX/XX/XXXX to my XXXX account with XXXX. I have tried to resolve this now with over ten hours of manpower, and still am being told 8-12 weeks, however, according to XXXX, they do not see any promotion pending on their end. I am getting conflicting information ; I am owed still XXXX bonus miles for XXXX XXXX, XXXX XXXX, XXXX XXXX. It appears that the one credit for XXXX was credited for XXXX XXXX. 

During today 's interaction I was not given a case number with Amex by the specialist, I was given this verbiage. " I am afraid, case number is something an internal id, and we are unable to share it. However, you can keep chat id as reference : XXXX '' I was also told this by the specialist. I see that a case was opened for this, and our team updated that there was no such promotion available against the additional users. 

After reaching out to XXXX today, I requested to speak with a customer advocate Research Specialist, and the person that I am working with is not a customer advocate specialist, she keeps reiterating 8-12 weeks. The terms and conditions were met. 

Now I was just told that the promotion started in XX/XX/XXXX, despite, me receiving an email on XX/XX/XXXXXXXX  and adding the users on XX/XX/XXXX. ( XXXX, XXXX, XXXX )
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

1. XXXX XXXX XXXX - Over 5 Year working on my case trying to modify. Ended my wife in bankruptcy in XX/XX/XXXX, but nothing else happened. 

2. Changed Attorney - Tried to talk with the bank again, but I also ended doing bankruptcy in XX/XX/XXXX. 

3. An attorney contact me that he can try to help me even when I already did my bankruptcy and started a new modification on XX/XX/XXXX, but it was denied. Ended up in a foreclosure date XX/XX/XXXX, and my attorney recommend another bankruptcy to stop the sale, and force the bank to do a modification thru the court trustee. I paid for several months to show them I 'm serious about the modification. 
On XXXX we had a telephone mediation with my attorney, the mediator and the bank representatives. Ended in a denial of the modification again, and told us, the investors do n't accept modifications, nor short sale, just foreclosure. 

4. A sale date has been set for XX/XX/XXXX. Last chance I have to save my home. 

The reason I 'm behind, is because I do n't have the same revenue and my wife got XXXX. 

Thanks for your help,
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not accurate. 

XXXX XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX XXXX This doesn't belong to me INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CARD Corporation (NJ)

My complaint since I found out Im an identity theft victim, XXXX is a checking prepaid type of account. I stayed at the XXXX in XXXX nj for 3 days, renewing the reservation and paying daily. The last day I was charged XXXX + dollars for XXXX night which was XXXX $ and charged an astronomical amount. I called them and XXXX immediately, and XXXX just sent me a letter stating I wasnt getting the funds back. They investigated and somehow without my statement closed my account finding XXXX the right one. I too own a business am an upstanding citizen but they chose to side with XXXX over charging me as well as XXXX. Never giving me my hard earned monies back. I disputed that too but XXXX weeks later Im still waiting. If I stole from ppl Id be in jail. This isnt fair! I would like this bank investigated. Thank you
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act 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 has violated my rights. 

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
Consumer complaint received 2018-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I have made every payment on my loans in a timely manner. However, my recent payment which was made on XX/XX/XXXX ( in the full amount due ) was not applied to my loans. As such, the account is showing as past due ( the payment was due on XX/XX/XXXX ). I have spoken with the servicer multiple times and they assured me that they would apply the payment from XX/XX/XXXX. However, no action has been taken and my account appears as past due.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC (CA)

5 or 6 years ago we had a personal loan with XXXX XXXX. When I became XXXX and went over 1 year with no pay. I worked with all our creditors to include a personal loan with XXXX. This particular loan I worked with XXXX until the loan was to a point they could charge it off. At that same time XXXX shared with us that not to be surprised if a debt collector buys the charge off and will do everything to collect from you. XXXX was correct a collection company named XXXX XXXX came after us. I was not aware of my rights at that time but XXXX negotiated and agree to an amount and payment plan. We set up auto payments and this went un-noticed until XX/XX/2023 when the auto payments stopped. After making some inquiry 's I learned XXXX was no longer trying to collect. Since then a new company REVCO Solutions has been threating us, sending letters and numerus spoofing phone calls. In order to dispute this with REVCO we sent them all the documents as that we had from XXXX. They replied my dispute lacks specific facts. I have called them and emailed them and now they are starting to harass us again with letters and phone calls. we feel this has turned into harassments now. 

Also I talked with XXXX and learned they have nothing to do with this. I have been a member of XXXX for over XXXX  years. I was told as they were concerned this issue was resolved.
Consumer complaint received 2024-03-20
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-12-20
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. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an inquiries passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX  XXXX/XXXX/XXXX.
Consumer complaint received 2023-09-19
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (IL)

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and SEQUIUM ASSET SOLUTIONS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Consumer complaint received 2023-03-24
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. (UT)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

Rushmore Servicing sent me my XXXX 1098 Form and it was incorrect. When I called them, they has no idea or how to resolve. Who knows how many other customers were affected by this and all of these incorrect 1098 's have also been sent to the IRS.
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (PA)

Previously I had sent tens of thousands of dollars through Wise to vendors domestically and internationally with no issues. Suddenly on the last transaction they required biometric verification of me holding an ID with no explanation why. When I inquired about how long the biometric data would be stored, I couldn't get a definitive answer. Most of the responses didn't have a human 's name in the signature, some said 1 year, some said 6 years and nobody really addressed the previous emails. This started in XXXX and despite saying resolution times are 14 days, months went by. The tone of the emails was dismissive. After pressing and sending FTC regulations on the policy, I was told I could " submit complaints to XXXX  and CFPB ''. 

Email screenshots attached. Dozens of other similar emails not attached. 

I'm also selecting " TransferWise '' as the company but they have renamed to WISE.
Consumer complaint received 2017-12-22
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. (CA)

I have had difficulties have the credit bureau give incorrect information on my credit report. I have sent documentation from the company stating the acct are not mine and are fraudulent. They still will not update the information.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CA)

under Section XXXXUSC XXXXg, of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice [ w ] ithin XXXX  days after the initial communication with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NJ)

They call me to collect money that I don't know what it is, they gave me insurance and they paid the entire medical debt, now I don't know what else this charge could be about and they call and they don't speak XXXX and I don't speak English
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NC)

on XX/XX/2023 i made a reservation through XXXX  for my rental car using points and my credit car. at the counter they requested a credit card for incidentals. i gave them my citi card since the car was prepaid. attached the prepaid evidence. now XXXX is charging me again and citi is in favor of them ignoring all the evidence of the prepaid reservation.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under Fair Credit Reporting Act 15 U.S.C.1681 section 602, I have the right to privacy. Fair Credit Reporting Act 15 U.S.C. section 604a part 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under Fair Credit Reporting Act 15 U.S.C.1666b, a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2023-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (PA)

i have a discover credit card debt that been on my credit report for years i send them a copy of my drivers license my police report that been filed stating that i was victim of identity theft my drivers license does not match the address on my license i never live at the address before i ask them to provide me proof that the debt was mine the told me the only information they have was that the account was open on line so i ask yall for help to please help get these items off my credit report
Consumer complaint received 2024-03-20
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-22
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: Experian Information Solutions Inc. (OH)

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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Fraudulent Account Name : XXXX XXXX  Account Number : XXXX Reason : Fraudulent Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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 2024-02-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I attempted to make a Cash deposit at WF drive thru, since the ATM is usually out of order. After quite the wait, I noticed that the very manager that has exercised complete disregard for the fact that I am the only Active member on this account for the past 10yrs, is still discriminating against me. When I stated to the window clerk that 'this is the only branch where I've had this problem '', she suggested the ATM, that usually isn't operating! Thankfully. I made the ATM deposit but was in disbelief of this managers constant behavior, as reflected in this report. 

On this date, XX/XX/XXXX, I attempted to deposit a check made directly to me in the sum of {$4600.00}. 
After much back-and-forth contemplation, the rude WF manager sent me to the bank of which check was drawn in order for them to sign. I did so, though it seemed quite unnecessary. 
It should be noted that not once did he smile, introduce himself, or be humanly kind to me in any way whatso-ever. Rather, he seemed to writhe with enjoyment of rejecting my deposit due to " bank rules ''. The slightest indication of any morals and integrity towards me would have made it into an understandable experience. Rather, I was treated as an illegitimate customer and criminal. For a kind, peaceful, smiling soul as myself this behavior was quite troubling coming from CUSTOMER SERVICE!
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (UT)

I took out a loan to fix my transmission XX/XX/XXXX with a same as cash type credit card. I gave them an address ( a PO Box ) on  my contract to send all my communication to. They put in the wrong address, never sent the statements. I went back to XXXX several times asking for my bill and how to pay. 

The person at the credit card company then sent a statement but charged me all the interest and paid on debt but they kept increasing the balance because they sent to thte wrong address. I paid off the debt and they said they could help but they charged off my balance and will not let me pay them back. I called again with a person trying to help me on XX/XX/XXXX. They confirmed they saw the wrong address and their notes. Said they would not correct credit and that they could not even get me the pay off balance. They said they would send a letter to tell me whet they would do. This is the 4th time ive tried to resolve.last time they laughed that they were hurting my credit. I do not know where to turn. This company wants to charge my 4 times more money then the bill just because they sent the statement to the wrong location. the General manager at  XXXX even tried to call them but was told it wasnt any of his business.