davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Ive been with Bank of America for many years but When I called to see about lowering my interest rate on my accounts, Im treated, so Im trying to steal money from the bank. Or the monies coming out of the agents pocket. I have good credit. Ive been an excellent customer. Youve made plenty of money off me over the years. I dont understand why banks have to be so greedy you make XXXX  and profit but the average guy whos just trying to get by I easily work 50 hours a week I take care of my kids. I always pay all of my bills on time but I dont understand why the bank cant just cut me a little slack here. Inflation is out of control and thats not your fault but its made everything so much more expensive, and when I call and I asked to see if you can lower the interest rate even if you lowered it just temporarily, that would be a help. Please explain to me why you have to be so greedy, and so unwilling to help the every day guy out here just trying to get by, why cant you lower my interest-rate? I mean is it really going to affect your bottom line that much youre still going to make XXXX  and profit have some compassion put yourself in my shoes.
Consumer complaint received 2022-10-26
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. (CA)

I asked for a refund XX/XX/22 was quoted XXXX weeks for the refund. Refund has not been received, I have called multiple times and have not received confirmation, response or reasonable timeframe on when I will receive my refund.
Consumer complaint received 2022-10-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SD)

On XX/XX/2020, I applied for a personal loan to consolidate debt at XXXX XXXX Branch on XXXX XXXX ( XXXX XXXX, SD ). During the application process, the banker repeatedly asked me to sign, electronically, several documents ; none of which I could review until after she printed them. I have no idea if she added other documents and gave me an accurate description, then printed and held on to them for future use. This in itself is a poor business practice in a banking institution that is trying to recovery from massive fraud. On XX/XX/2020 XXXX XXXX sent an e-mail stating ; " Thank you for your XXXX XXXX Unsecured Personal Loan application. Unfortunately, we're not able to approve your request at this time. '' The e-mail stated I would receive a letter within 7-10 business days stating why I had not been approved. I did not receive the letter and have made multiple calls to XXXX XXXX getting the run around each time. I called Equifax and requested a copy of my credit report and as of this writing I have not received a requested credit from Equifax. I have seen several gang members who seem to be cozy with XXXX XXXX employees at this branch. Given the outcome what is to prevent them from approving the loan, then transferring the funds ( FICO score went down prior to loan application due to new accounting methods, but increased after loan was turned down )
Consumer complaint received 2020-02-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

Went into a Check Smart store to draw out a XXXX dollar loan last year over the summer. ( dont remember the exact date or time. ) Insight Capital has taken a total of XXXX dollars instead of the XXXX that I owed Checksmart. The first transaction was made on XX/XX/2020 at XXXX they went into my account. Instead of taking out the XXXX dollars they had taken over XXXX. On XX/XX/2020 at XXXX theyve taken XXXX dollars out of my bank account.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (SD)

On XX/XX/2020, I applied for a personal loan to consolidate debt at Well Fargo Branch on XXXX XXXX ( XXXX XXXX, SD ). During the application process, the banker repeatedly asked me to sign, electronically, several documents ; none of which I could review until after she printed them. I have no idea if she added other documents and gave me an accurate description, then printed and held on to them for future use. This in itself is a poor business practice in a banking institution that is trying to recovery from massive fraud. On XX/XX/2020 Wells Fargo sent an e-mail stating ; " Thank you for your Wells Fargo Unsecured Personal Loan application. Unfortunately, we're not able to approve your request at this time. '' The e-mail stated I would receive a letter within 7-10 business days stating why I had not been approved. I did not receive the letter and have made multiple calls to Wells Fargo getting the run around each time. I called XXXX  and requested a copy of my credit report and as of this writing I have not received a requested credit from XXXX. I have seen several gang members who seem to be cozy with Wells Fargo employees at this branch. Given the outcome what is to prevent them from approving the loan, then transferring the funds ( FICO score went down prior to loan application due to new accounting methods, but increased after loan was turned down )
Consumer complaint received 2023-12-06
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)

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 DEPT OF EDUCATIONXXXX 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 XXXXXXXX This all falls under this 15 USC 1681B!! Please I want all these off my report! unless they have written consent for them to report they can then post on my report! until than they don't! so I would like these off my report immediately.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I received an auto loan through XXXX XXXX XXXX XXXX in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check XXXX XXXX received final payment for my loan. I called XXXX XXXX XXXX XXXX XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed capital one auto finance account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.
Consumer complaint received 2020-02-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NY)

My name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX. My complaint is that national credit services UNLAWFULLY seized my federal income tax RETURN in amount of XXXX I call the irs to check on my tax return and I was told that national credit services and us department of EDUCATION took all my money they claim that I owe them money I told the irs that I don't have any student loans with us department of EDUCATION and the collection agency that took my money UNLAWFULLY. The money that's own to them is my wife 's debt her social security number is XXXX name XXXX alty date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX she was on a forbearance and they told her that they will not take legal action. Regarding me XXXX XXXX my social security number is XXXX. They took money UNLAWFULLY from my accounts to pay hers. Her student loan is a individual 's account not joint. So us department of EDUCATION and national credit services did fraud to me. This is not my debt at all I'm the husband. I don't have any loan s with  them. Can you please recover my money. I also made a complaint toXX/XX/XXXXXXXX XX/XX/XXXXnews
Consumer complaint received 2020-02-28
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. (TX)

XXXX  XXXX  TRANSUNION ALL IN MAJOR VIOLATIONS OF THE Fair Credit Reporting Act WONT FIX AN ITEM REPORTED TO THE POLICE OR FTC
Consumer complaint received 2020-02-28
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: DISCOVER BANK (TX)

sent the police report of the ftc violations please remove the ftc violations discover XXXX  XXXX  XXXX 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations
Consumer complaint received 2020-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

sent the police report of the ftc violations please remove the ftc violations XXXX  XXXX capital one 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations
Consumer complaint received 2020-02-28
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: JPMORGAN CHASE & CO. (TX)

sent the police report of the ftc violations please remove the ftc violations XXXX  chase XXXX  XXXX 4 late payments were b/c of the ftc violations If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

which they all did and in violations
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (IL)

I am having a major issue with Wells Fargo. I had a balance transfer issue with Wells, where XXXX XXXX erroneously sent Wells {$5800.00}, and Wells Fargo accepted the funds and has refused to send the funds back to XXXX XXXX  or me. 
This is against the law to steal money, and refuse to return the funds to the rightful owner. 
I don't know what Wells Fargo has done with the funds, but they continue to refuse to return the balance to me, because XXXX XXXX has open a credit line of {$5800.00}, and is charging me for the outstanding balance, which Wells is holding. 
I am paying {$150.00} per month to XXXX XXXX for the balance of funds. I have made 2 payments to XXXX XXXX, and I have never had control of the funds. 
This is a major violation of the law, and Wells Fargo is impossible to deal with,
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I am requesting an investigation against Experian credit bureau for deceived innocent and honest people by tricking them to pay money to them for generating their credit report and score. I paid them a few times because they said after paying I will be able to see my report and score, but unfortunately after paying with my credit card they said I don't have enough credit history or no credit file. This is from since last year until now. first they said after three months then when I called again they said after six months and now after six months they are saying I have to pay again before the system could generate my credit report and score. I have five credit card account on my credit file on XXXX  and XXXX XXXX from last year. 
I would appreciate if the government could really do something to stop these kind of corruptions and fraud by this credit bureau. thank you. XXXX
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This credit card company has been adding overage fees and other fees every month. There has been charges made to my account last year that doesn't belong to me. I have made a payment of {$45.00} or more made every month. However, my balance has become unmanageable due to all the extra fees being added monthly.
Consumer complaint received 2020-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

I have previously filed a complaint against this credit card company. I have not used this credit card in over a year and I have made payments of at least {$20.00} a month. However, every month I have been hit with overage fees. There has also been charges made to the card that wasn't made by myself. At this point I believe the account has been closed and now there is charge off on my credit report despite a payment being made every month.
Consumer complaint received 2020-02-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

I got a loan to attend school, it was through Navient, I paid a little on my loans, then things happened and I needed a little more time, spoke with Navient and they told me they would let me go several months with no payments and it wouldnt hurt me, thats all they offered to me, then I never heard from them again! Tried to contact them, couldnt log in to my account! Finally here I am, almost 5 years later my account is no longer with Navient, its in collections, I owe about 4500, and I dont feel I was treated well, or given fair options to pay back my loan! This is hurting my credit and Im now at risk to having my paycheck garnished and taxes offset! Im very upset! I didnt even know my loans were not with Navient anymore!! The collection agency is XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I submitted a dispute to remove the bankruptcy chapter XXXX I filed in 2010. The item should be deleted iat 10 years. 
I made the same request to XXXX XXXX and it was removed.
Consumer complaint received 2020-02-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is XXXX  the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.
Consumer complaint received 2020-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (TX)

Several attempts to reach this company MEDICAL BUSINESS BUREA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL 6 I tried to dispute this information because I have no recollection of this event or information, when trying to contact I could never get a direct person to explain this account. Prior to XX/XX/2020I had my identity stolen and had credit cards and other information being open under my name. When filing taxes I must provide a PIN number to file taxes. This account is not mine and do not know who or what this was and I am not responsible for this account.
Consumer complaint received 2024-03-15
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. (SC)

When I was XXXX, my father gave me ability to use credit. My credit score remained very low and has remained low over the years. As a user of XXXX for a couple years, I use the method of disputes to try to remove reports that I wasnt linked to. I wasnt understanding why my credit wasnt getting changed over time. I have notifications that alerts me of my credit use and from time to time Ive been seeing notification alerts of my SSN has been traced and/or has been used, multiple address has been linked under my credit file and I have been unable to figure out why. Late XXXX of XXXX, I called my dad, XXXX XXXX, and asked if he was using in an apartment under my SSN and he Claimed he has no understanding and change the subject asking me what was for XXXX. I paid no attention to this. XXXX XXXX I received another notification from stating my SSN number has been used again with ann address linked with the alert. I took a screenshot of the alert. I told my boyfriend and he was giving me information on how to contact XXXX days later. The best thing I knew to do was dispute it off my credit and to call XXXX. Before I had the chance to call XXXX. I had a visitation with my father. He picked me up at my current address and drive to His apartment. Before I left the next day, I noticed the address on his piece of mail was linked to the alert on my XXXX app. Ive noticed other things that wasnt making sense for my credit report such as, one of the first use line of credit on my credit score is a credit card from XXXX XXXX back in XXXX. The account was open right after my birthday, XXXX XXXX. I was age XXXX living with my mother, XXXX XXXX, in XXXX North Carolina. The first credit card Ive ever owned was XXXX XXXX XXXX recommended by him and he helped me open the account.
Consumer complaint received 2020-02-28
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 — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc. (NC)

Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is Dovenmuehle the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.