davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
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. (CA)

I may have checked some boxes improperly to move forward to this page, but there were no clear choices for my specific complaint. 
My complaint is about the entire industry and how and what they report on. 
Case in point : I have run a business for over 45 years, recently retired, savings to live off of till Social Security is taken, home paid for and no debt, which is the goal in life isn't it. 
I choose to buy based on my ability to pay, not to run live my life in debt. Because of this I am being discriminated against by XXXX and other credit reporting companies by their reporting of information that is as they state " Hurting my Fico score ''. 
Example : On XXXX they state that I have an insufficient number of accounts that are currently being paid as agreed. To my knowledge I have no accounts complaining of non payment as agreed. They state that I only have two accounts and that to be a FICO High Achiever I need an average of 6 accounts being paid as agreed. I have no need for more accounts as I pay as I go. I think this is definitely discrimination against me and how I wish to live my life. If someone is going to report information about me, then I as a tax payer and consumer should have a say in what and how my personal information is reported, not some financial institution that wants to skew my information to suit their needs. My experience in running a business told me to stay away from clients who were overextended. A great example of this is my younger brother who for the last 20 years has carried credit card debt in excess of {$80000.00}, making the payment but being unable to get out from beneath its burden. His XXXX score has always been much higher than mine as he is feeding the system. The bottom line is that I choose to not live a life of debt like most American and the US government and I feel I am being discriminated for it. Any information you have for me that explains otherwise would be greatly appreciated as this has been a bad taste in my mouth for 25 plus years, and now that I am semiretired I finally have time to voice my opinion about it. Too many accounts has driven our government to cause inflation, another tax on Americans, is haviong more accounts really a good thing? 
Thank You for your time
Consumer complaint received 2023-02-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (NY)

I received a credit alert from my book telling me a received a major derogatory mark on my credit report with CREDENCE Resource Management. The account number is XXXX and date status reported XX/XX/2023. The amount is $ XXXX called this company and they told me someone opened an XXXX XXXX XXXX account in my name in XXXX. I told them that I do not live in XXXX  or know anyone in XXXX, and this was not me. About 6 months ago possibly the same person tried to open an energy account in XXXX  in my name as well. This was removed from my credit report. I was told that this matter was turned over to this collection agency and an attorney. 
I called XXXX, who helped me with the last issue, and reported the problem. I was told to file a report to your agency. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Consumer complaint received 2023-02-03
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00}
Consumer complaint received 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (NC)

To Whom it May Concern : On XX/XX/2022, a transfer from XXXX, my previous Public Student Loan Forgiveness, PSLF, Federal Loan provider, was initiated to my new PSLF, Federal Loan provider, MOHELA. I was not consulted about this transfer, and I have learned that this transfer has impact my credit score in a negative way. On XX/XX/2022, this transfer was complete. 

Thank you for your time and consideration.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

companies involved : XXXX XXXX XXXX XXXX ( Wells Fargo ) It appears that I am a victim of ID fraud. 
I am getting bills or emails from the companies above because the companies have approved credit cards for a criminal whose ID in unknown. Obviously the companies know my name and home address and casually give out credit cards to the crooks, and then force me to make calls and wait in line for hours to talk to the fraud Dept. After talking to the fraud dept. nothing is ever done to correct the problem. XXXX for instance said to fix the problem, they are issuing me a new credit card with a new number. This after I have informed them that I have no account with them. ( outrageous ). I suppose my credit score is suffering because of this fraud and there is nothing I can do to stop the fraud.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I applied to a job listing on XXXX ( under employer XXXX ) and the employer reached out to me via email, informing me that my resume was selected and that I would need to download the XXXX XXXX  to complete the interview process. Once I completed the interview process, they send me 2 ( fraudulent ) checks for start up materials, one for {$1900.00} and one for {$2900.00}. Once the first check deposited, they had me send {$1700.00} via XXXX bank payments to the vendors to purchase said materials. Once I informed the employer that the second check was on a hold and would be deposited in a week, they told me I shouldve told them and waited, but I should wait for it to deposit to send the money. 2 days later i saw that the first check had been returned as unpaid and the {$1900.00} had been deducted from my account. Once I reached out to the employer informing them the checks returned as unpaid and that I would be taking legal action if this wasnt reprimanded, they simply replied with Okay. and that was the last I ever heard from them. I tried to contact the bank and explain everything that happened, but was told since it was sent via XXXX, that there wasnt anything they could do to recover the funds. So then my account was left NEGATIVE {$1000.00}, while also being unemployed currently.
Consumer complaint received 2023-07-10
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: World Acceptance Corporation (SC)

Yes I once filed a complaint against this company one time before but now I have a better understanding of what happened my identity was stolen back in XXXX  when I first XXXX to XXXX XXXX XXXX XXXX South Carolina I put a freeze on my credit someone went to XXXX or either XXXX South Carolina and did a huge loan with world finance company I called the head office and ask them about the loan and ask them how could I get them to remove off my credit and that it was fraud I asked them how did a person apply for the loan the lady said they did it online because after she told me that that's when I let her know it was fraud then she said if you can get information from the law enforcement or proof of fraud then we can do something about it and then she got an attitude with me so I told her I was going to take it further
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I reached out to equifax to remove a bankruptcy from my credit profile and for proof of the reporting company who furnished this bankruptcy report to my credit profile. I was told by Equifax that XXXX XXXX is the furnisher whom they received the information from. I reached out to XXXX XXXX and they denied having a bankruptcy on file to furnish to Equifax. I also received a copy of my XXXX  XXXX credit report showing proof that it doesnt exist and Equifax us not being truthful. Im submitting a copy of my report from XXXX XXXX as proof that their is no such reporting.
Consumer complaint received 2023-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

In XX/XX/XXXX I found out that I had a medical debt collection of {$1000.00} on my credit report. The debt collection agency was Plus Four INCXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX but the number ( XXXX ) XXXX was disconnected. I then contacted the original billing company XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX at XXXX. Apparently, I was seen at XXXX XXXX XXXX XXXX around XX/XX/XXXX and they failed to bill the correct insurance company. Since then I have moved twice and they failed to notify me properly before sending this to collections. What I find unusual is that XXXX XXXX XXXX was able to billing my XXXX XXXX  correctly but XXXX billed my XXXX XXXX incorrectly. They were supposed to bill XXXX as the primary and XXXX XXXX secondary. Apparently, they just billed XXXX XXXX and they told XXXX to bill my primary but XXXX didn't bill XXXX for some reason. 
I then gave XXXX my old XXXX account information so they could go ahead and properly bill the insurance company to collect their money. Since XX/XX/XXXX, I've been calling XXXX billing office regularly and they have yet to send a bill to XXXX to collect nor have they removed the amount from collections. I feel I have done nothing wrong yet I have a debt under collections and XXXX is failing to act on collecting from my health insurance company.
Consumer complaint received 2023-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (MN)

I've been requesting an investigation of my account with THE BUREAUS INC for several months. They have incomplete and incorrect information, but their response has been minimal. What's worse, they've retaliated by adding {$1.00} to my balance every time I dispute it, and then taking it back, which has permanently harmed my credit score. This has had a negative impact on my career growth and future prospects.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - Account XXXX : XXXX - XXXX  - Account Number : XXXX
Consumer complaint received 2023-03-02
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: Avadyne Health Holdings, Inc (PA)

I am requesting a wet signature signed contract that I owe H & R ACCOUNTS INC! They have also placed a late payment on the account and the accounts are closed. If the company can not send a copy of the original contract with my signed signature confirming that I am or have done business with H & R ACCOUNTS INC directly showing I owe their company and an agreement signed wet signature binding our relationship! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA /FDCPA it's a direct violation you CAN NOT place a late payment on a closed account!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-07-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (WV)

I have been using ( Transfer ) Wise for several years. 
My transfers used to happen in a matter of hours ( as long as it was not over the weekend ). 
Just recently, they started taking longer and longer. One of the reasons to switch to this company was knowing when the money would show up reliably. Well, that just isn't happening since XX/XX/2023. 
I am including my most recent transfer and correspondence with the company ( I did plan for initiating on XX/XX/XXXX here, realizing that money would not move until the XXXX ) ( Also, my bank IS open on Saturdays ). 
I am also including a XXXX transfer showing how fast it used to be. 
The company will not explain what has changed or what the problem is. 
The time it takes matters... now I will be late paying 2 bills! 
These transfers are from my XXXX XXXX to my XXXXXXXX XXXX.
Consumer complaint received 2023-03-07
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$310.00} XXXX  XXXX Balance : {$24000.00} XXXX XXXX Balance : {$100.00}
Consumer complaint received 2023-10-19
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation (FL)

On XX/XX/XXXX, I received an email from XXXX. The email claims that their client, XXXX XXXX, has placed my account ( s ) with them to get {$25.00} from me. The account ref number they gave me is XXXX. I replied by email on the same date : " insufficient information provided. Please provide specific details. '' Note that I did NOT BUSINESS with a company called XXXX XXXX At XX/XX/XXXX EST, I received an email response from the same email address, a person calling herself XXXX XXXX XXXX XXXX only additional info she provided was : Product Vendor : XXXX XXXX ( NSF Fee ), Referral Date : XX/XX/XXXX, Balance : XXXX USD. In the email she says " If you require an invoice or a statement of account, I recommend reaching out to XXXX XXXX ( NSF Fee ) directly ''. I asked again what the {$25.00} is for, and for more specific information. I am hesitant to call this XXXX XXXX, even if I had their tel number because I do not know if this is a scam. I told her that I suspected that she is not a legitimate debt collector, but a scammer. I sent a follow-up email, telling her that I am not responsible for any NSF Fee and that she was still not providing me with the necessary details. I asked that if XXXX provides services for ANOTHER COMPANY with whom I may or may not have done business, then perhaps I can make a determination. I informed her of FRAUD committed in my Bank account requiring it to be credit only and then closed. I asked for the professional license number in the state of FL and the name, address and tel # of the " original creditor ''. Due to the fraud committed in my bank account, I am leery of any communications with parties I do not know. And I am not getting enough info from them. Please advise. I am unsure if I should cut off communication with them. But I also do not want any negative mark om my credit files. The info about the sender of the email is that it is purportedly from XX/XX/XXXXMO XXXX ( https : //indebted.co )
Consumer complaint received 2023-07-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX I been with Welfargo for over 4 years and realize I have several charge over XXXX charge on XXXX from XXXX $ and a charge for XXXX for XXXX $ I dont made those charge I have contact well fargo and transaction made online as well on XXXX which I dont have XXXX i have done a police report on my debit card over $ XXXXand welfargo denied my claim Today they sent me a letter denying my claim, telling me that they believe the transaction was made by me or someone authorized by me. I have my police report and the bank told me to contacted XXXX I contacted XXXX nothing been done I believe they have to reopen the claim I dont have any XXXX I want the bank to give me my {$6200.00} thats a lot of money to loose please I want my money I went to the bank nothing done this is not fair I been saving my money to paid for college I would like they escalated the dispute and give me my money back
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I deposited my XXXXXXXX XXXX from the US Treasury in XXXX and there was nothing hold placed on the check. I deposited my check for the same amount on XX/XX/XXXX and was told there would be a 24 hour hold. Now my account shows they are extending the hold until XX/XX/XXXX. I see in most cases a hold on this type of payment is released within 24 hours. I checked their parent company which shows they like to Float checks/payments. I guess BOA is into Floating on government checks due to people who really need the money.
Consumer complaint received 2023-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

To whom it may concern, On XX/XX/2023 I submitted a payment of {$30000.00} to Nelnet be dispersed to all 13 of my student loans. The total amount due in student loans was {$40000.00}. It took Nelnet until XX/XX/2023 to initially process my {$30000.00}. That means it took 11 days to process the funds, all the while interest on my {$40000.00} loans was accruing. When the {$30000.00} payment was processed by Nelnet and applied to my loans, Nelnet only applied {$14000.00} to the principal loan amount and {$160.00} to loan interest. This amounted to {$14000.00} of the {$30000.00} payment being used for payment of principal and interest. The remaining unused funds from my initial {$30000.00} payment amounted to {$15000.00}. 

I spoke to a Nelnet representative on the phone on XX/XX/XXXX, who informed me that the remaining, unused, {$15000.00} from my payment would be refunded to me over the next two weeks. 

On XX/XX/XXXX, I called Nelnet to confirm that my refund of {$15000.00} was being processed. The representative told me that there was no record of a refund request. Instead, the representative told me that there was an issue on their end with the proper allocation of my initial {$30000.00} payment. The representative told me that they contacted their accounting department and that one of their financial representatives would manually review my payment and allocate the remaining {$15000.00} to the remainder of my loans and that the allocation would be processed the same day ( XX/XX/XXXX ). 

Today, on XX/XX/XXXX, I checked the status of my payment and it says that the payment processed in Nelnet 's system. However, the remaining {$15000.00} of my original payment was still not applied to my loans. So, currently as it stands, Nelnet is not refunding me my {$15000.00} and they are also not applying the {$15000.00} to my loans. They have effectively stolen that money from me. Every time I call I get different answers and nothing ever happens with my money. It just sits in Nelnet 's system. 

Please help me resolve this issue. 

Sincerely, A responsible student loan borrower
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (PA)

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 2023-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America is not allowing me access to my money in my account and is closing my account. Because I have XXXX and couldn't figure out how to use the online banking app.Bank of America is closing my account in my opinion because of prejudice. The way they spoke with me. Bank of America claims that they are sending my remaining funds to my address? I can't contact them about this. Help me get my money out of the bank account.