davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

The XXXX XXXX license of XXXX XXXX XXXX was revoked following an erroneous local civil judgment in XXXX XXXX XXXX XXXX. The XXXX who originally entered the order, refused to correct the matter or hear the case. However, the Federal Court decision ( s ) are the highest court rendering a decision. 

The license of XXXX XXXX XXXX was revoked and the employment history and occupation was altered and/or erased ( missing ). XXXX XXXX XXXX has since reapplied for reinstatement of her license on XX/XX/XXXX as a XXXX XXXX but evidence has shown the occupation of XXXX XXXX XXXX as a Licensed XXXX XXXX from XX/XX/XXXXand maintained until XX/XX/XXXX as well as a XXXX XXXX   license from XXXX with the final expiration date in XXXX but being revoked in XXXX and reapplied for in XXXX. A portion of the proceeds ( one-third ) that paid for the XXXX XXXX reinstatement application came from another XXXX XXXX case where funds were misapplied. 

These documents confirm the occupation of XXXX XXXX XXXX from XXXX-present. Prior to that XXXX XXXX XXXX was a student with a work study job at Virginia XXXX University.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (NC)

In 2015, I was contacted by someone on behalf of Jared 's Jewelry about a debt that I failed to uphold payments on. I was told that if I was to pay an agreed amount on that debt, the collection would be removed from my credit report. I paid as agreed and Jared 's refused to uphold their end of the bargain. I wanted to make things right on my end of the deal, which I did. I expect for Jared 's to do the same. I have paid this debt and would like for it to be removed promptly from my credit reports.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

WellsFargo conv loan with now Ex-XXXX- both names on the mortgage loan. Hm loan from XXXX COVID 2020 Shutdown- my career business XXXX  so I could not work. Then I recvd the XXXX XXXX shots to return to work, which made me very sick- while going through a 33 year marriage/divorce, finalized on end XX/XX/XXXX. I paid 20 years of a 30 yr mortgage and tried to do an ASSUMPTION LOAN- but was denied because of lack of working- due to contracting XXXX! Then got sick from getting the XXXX XXXX XXXX and had to take months to recover. I had letters stating I was employable ( 35 years as a working XXXX XXXX ) by XXXX  and I had a considerable amount of funds available until I could resume working but WF denied me. I lost out on 20 years of paying on the loan, mostly interest up front.
Consumer complaint received 2019-12-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

In XX/XX/2019 we were being 2 or 3 payments in our mortgage. With Mr. Cooper. I tried to make a payment. It was returned to me. I was notified. That I can no longer make payments to my mortgage account. So, I applied for a modification with them and sent everything. They just had it paused. Now in XX/XX/2019 I got a letter that they are starting the foreclosure process. And I have email after email and phone calls saved when Ive tried to contact them to try to make payment in these past few months. I get no responses.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. ()

XX/XX/2015 and {$1300.00} The action that has been taken is to take this account off my credit report including XXXX, Experian and XXXX.
Consumer complaint received 2019-12-23
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I applied to the SAVE program in XXXX through studentaid.gov because XXXX website was down. They got my application 5 days later and it has been processing ever since. I have gotten XXXX word or updates to why there could be any delays. 
When I called, and asked if this forbearance would count toward my PSLF they said No, which is incorrect. My forbearance has run out as of today with no communication regarding my SAVE application.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-05-13
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. (MA)

My name is 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 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

HSBC ( XXXX ) has not resolved an issue first filed XX/XX/2019. They need to investigate payments to account XXXX Regardless, my credit report has suffered, having declined more than 120 points in the last 10 months. This has caused me to 1 ) loose over {$25000.00} of credit line on various credit card accounts, 2 ) I can not obtain new credit lines, leave alone financing for my business. These are true hardships that have adverse impacts on my livelihood. 




Cordially, XXXX XXXX
Consumer complaint received 2019-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

In late XXXX, I filed a dispute with my bank for a debit card charge. The amount was credited back to my account, only to be reversed a month later, overdrawing my account. When I called about it, I was told that they needed additional supporting evidence to file the dispute. I sent that in, and the money was again credited back to my account. 

Last week, to my horror, the credit was suddenly reversed again and overdrew me. I called about it, and was told that it was past the window to file a dispute. I pointed out that I filed in XXXX, and was then told Yes, but we didnt have all of the supporting documentation we needed. I insisted that I then sent them what they needed, and was told that while the information I gave them was valid, it was now past the window to file a dispute. I pointed out that they credited back my funds a second time, and was told verbatim Yes, but then later we realized that we were past the time frame and took back our credit. 

This entire situation has caused me on immense amount of emotional and physical duress, and the bank has been extremely hard to work with. The bank in question is Wells Fargo.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I Apply for a modification XX/XX/XXXX and a forbearance during the pandemic XX/XX/XXXX was granted and for some reason my credit reports show no payment for XXXX months contacted Credit Bureau XXXX Mortgage Company XXXX Wells Fargo Bank XXXX XXXX where I make payments to get corrected No one responsible or can correct still shows up on my credit report no payments.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX, through XXXX XXXX, I was made aware of a hard credit inquiry made on my Transunion report around XX/XX/2023. Through my investigating I discovered an attempt to open an account with XXXX. 
On XX/XX/XXXX, I contacted Transunion and they had me contact XXXX. XXXX had actually already sent this application to their fraud department because the address used did not match the address I have on file. I gathered they would work on taking this inquiry off of my credit report. 
Today, XX/XX/XXXX, I have placed fraud alerts on all of the credit reporting companies and am trying to get the address removed that was used fraudulently. I also attempted to file a police report but they wouldn't let me since no money was taken.
Consumer complaint received 2023-05-13
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. (OH)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$5.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (NY)

I received a collection letter for traffic citation from XXXX, XXXX. Date of citation is XX/XX/2018. 
Amount of XXXX . 
I was traveling to XXXX at that time and did rent the car. 
I never received any tickets when I was in XXXX. I never received any letters from police afterward. I never was stopped by traffic police while I was there. 
The collection letter came from the company from California. 
Cedars business services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
I did call them and did not have any reasonable explanation about this collection. 
The person on the phone told me that I have to pay. Did not give me any details or provide any documentation. 
I feel that I am dealing with a fraud.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/22 I sent a letter to all XXXX bureau XXXX XXXX Equifax and XXXX regarding the inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel I'm being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report if it's been over 30 days and so, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me.

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
Consumer complaint received 2024-01-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OR)

My wife connected our huntington account located in Ohio to our XXXX account located in XXXX  where we live. They accepted this connection but when we transferred money across later that day they rejected and suspended the account. 

When called and asked why they would approve the connection and then reject the connection they only said that they had to. 

How are they allowed to determine whether or not the account is ours or not? Why would they be allowed to reject a bank transfer? Why must we ask permission to access our own money? 

Please help us access our own money
Consumer complaint received 2022-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NH)

I XXXX XXXX have been going through a difficult time financially. Recently I have received numerous calls even during work hours on collection of several debts. I would like a cease and desist on these calls, and a settlement offer from each creditor that I can look into borrowing funds from family members to pay off permanently.
Consumer complaint received 2018-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

I finished school in 2012 at XXXX. My outstanding loans were XXXX. some how they reported me owing XXXX. Need resolved! Have made hundreds of calls. Never get a resolution and company is dropping the ball every time.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I need immediate update to my personal information : My name should read as XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX All others should be removed as non-mailable addresses. I have tried to correct over the phone and via disputes and have been unsuccessful. This a violation and I am the consumer and the bureaus are in violation of federal law. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Consumer complaint received 2023-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

My PayPal account was banned without any reason in XX/XX/2022. I received a notification saying that I will be able to withdraw my PayPal balance after 180 days. On the XXXX of XXXX I received an email from PayPal saying that my PayPal funds are now eligible for withdrawal. But when I tried to add my bank account, I got some error. Then I called PayPal support, but they were not able to help me and just told me to try again after a few days. It's been 3 months, but I'm still not able to add my bank account and withdraw my money. Every time I'm trying to add a bank I'm getting an error " This account needs a little help to link it. Contact us and we can help with that, or you can link a different account. '' And every time I contact PayPal support they just tell me to wait. I'm tired of this and just want to get my money back. Please check the issue with my account and allow me to add a bank account.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/23 I had a bill pay issued from my Capital One account # XXXX for {$2000.00} and the check was lost in the mail. The vendor never received it. 

After the check was reported lost after 10 business days according to policy I waited for the refund. I have never received a refund. I have called Capital One over 15 times, spent 30 hours on the phone, I have been lied to at least 5 times by front of staff and management on when my funds will be returned. I have been a client of capital one in various ways for almost 18 years. 

I just started checking with them and I could not be more upset. I have an auction item that must be paid and Capital One is intentionally not refunding my money. I am without {$2000.00} to run my small business and Capital One is violating its own policies by not refunding me for a lost check. 

Many times I call customer service they are foreign, put me on hold, and then just flat out lie to me. 

It should be a regular course of business that checks are lost, stops placed on them and given a reasonable amount of time the check refunded. I am being held XXXX by Capital One and there is NO ONE who will fix my problem because they are an internet bank there is no where to go. 

Also, the calls to the foreign country were complaints go is a terrible line that is static filled and drops. My call has been dropped numerous times and only ONCE did Capital One call back. 

XXXX XXXX