davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I was transferred from XXXX and everything seemed ok, but then I needed my employment certified. I have been trying to get it certified since XXXX maybe XXXX at this point. I have emailed and called numerous times. I have spent over 10 hours on hold or talking with customer service all have assured me it will be taken care of. XXXX I'm on the phone now waiting to talk to a supervisor, I'm sure it won't happen. If I turn in the next six months of certified employment they will cancel the request and say this is a duplication form. I also initially had the wrong payment plan set up which I repeatedly asked about and was told it was fine.. it wasn't and would have made me ineligible for the PSLF. I am starting to believe that MOHELA feels this is a game make us wait it out and see how long until we give up. I have worked for the feds for 15 years and it's my right to have PLSF. I'm not sure why they are doing this to good people, I have had four different loan providers over the year and this is by far the absolute worse service I have ever had.
Consumer complaint received 2020-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

This is the fourth complaint against this Loancare/XXXX. MY LOAN IS PAID IN FULL ON TIME so we wont be using that as an excuse to not investigate this company. Once again I have called them multiple times and got transferred multiple times and sent email and sent documents. I paid all of my taxes this year. This means I went online and paid in full the entire balance for 2020. I then submitted a recite and called and spoke to XXXX the last person I was transferred too at Loancare/XXXX. He said they would look into it which is of course just another blow off. My monthly mortgage has not been the {$780.00} in months they first said it was because of an additional charges from my homeowners insurance putting it at over {$900.00}, with the last payment being in XXXX ; which still is not reflected on my mortgage payment this month XX/XX/2020 I still had to pay over {$900.00}. When they were told I already paid my taxes they still continued to collect them on top of insurance when it was not needed again sending a duplicate payment to XXXX County for {$600.00}. I have asked to have this money returned to my account and have not gotten any response. My next month still has not been updated to be even at least the {$780.00}. They continue to double collect for both my insurance and for taxes both have been paid. If you dont pay you get a 60 day late notice on your credit report barring you from ever escaping this company. I am truly disgusted that this has continued to happen. This company has done this to me and others with not only their poor customer service, lack of any employee accountability, and incompetence in handling any matter. This is my last step. I am submitting this complaint to the Consumer Finance Board, XXXX XXXX XXXX, the Finance Commission, and the Attorney General again. While I wait for again nothing to happen I will be submitting this to our State Senate then if I have to the Media. As of today XX/XX/2020 there are hundreds of others that are in the same situation with their mortgage being mishandled by this company. Please address the first my attached pieces for proof, I also encourage you to look at the reviews submitted by others many that are current to today.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

The bank habdling resolutio of the fraud is requesting the document that you have that made you close the case. I can't access it and they say they need it. I have left voice mail for call but so far none haas returned my call. XXXX
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

Company - BSI Financial Services Loan Number - XXXX On their website, I am unable to make payment using my name, SSN or Loan Number No one is picking their Toll Free numbers XXXX XXXX They keep adding late fees which is incorrect as there is no option to make a payment. 

Now they want to foreclose Please help.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (IL)

Hello, I applied for a new discover card on XX/XX/XXXX in hopes of doing a balance transfer. I have notice of the promotion giving me until XX/XX/XXXX, to take advantage of the balance transfer. Once I created my account, I tried to initiate the balance transfer on XX/XX/XXXX. A discover representative told me that my offer had expired on XX/XX/XXXX and there was nothing they could do to honor the date I was originally provided. Discover provided me with false information and also gave me an unreasonable timeline for me to complete my balance transfer. In addition, between my account application date of XXXX, I was never notified via email that my balance transfer promotion was going to expire. Also, I was not able to complete an online account until I received my card in the mail. I did not receive my card until XX/XX/XXXX.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (SD)

Synchrony bank closing all of my credit accounts with no reason, never missed a payment or ever late, they sent me a letter stating that Activity on accounts with Synchrony Bank indicative of high risk of failure to pay. When I call them I get the run around or the letter says it all, but I dont understand, like I said previously never late, never missed a payment, this is also on my credit report as Closed by Grantor, will this be another negative on my credit? I think they owe me an explanation!
Consumer complaint received 2022-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (MO)

I pulled my credit report from All three credit bureus ( XXXX, XXXX, & XXXX ) for the sake to see what is on there to clean up and improve my Credit Score. I Notice this Company was on my Credit report. I sent several letters complaining to both the Credit Bureus and This Company and to remove the Hard Inquiries and Negative Account information from my credit report for about a year now give or take. So far there are no results. I believe it is fraud and a scam collection company trying to get money from me and pretending to be representing on behalf of another random company. My goal is to simply get this company and their negative claims and Hard Inquiries to be permanently removed and deleted from my credit report from all 3 Credit Bureus.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (TN)

To whom it may concern, I am tired of getting the run around! I have verified my identity several times regarding this matter ; I have called and emailed every company that I was advised to do but nothing has been done. I have not authorized XXXX XXXX  XXXX to run my credit! XXXX XXXX XXXX has distributed my report with out my knowledge & consent on these dates! 
XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not give this permission!
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (HI)

SADLY, ONCE AGAIN EQUIFAX DID NOT FULFILL THEIR FCRA 611, 15 U.S.C.1681i, REQUIREMENTS FOR REINSERTION OF PREVIOUSLY DELETED MATERIAL, SEE BELOW EXPLANATION : XXXX XXXX  XXXX # XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX XXXX BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 

XXXX XXXX XXXX # xxxxxxxx XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX, BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 


THIS IS THE 2nd TIME EQUIFAX IS VIOLATING FCRA 611, 15 U.S.C 1681i RULES.

AND THIS IS CAUSING ME HARM AND FINANCIAL DISTRESS. 
I AM VERY DISAPPOINTED IN EQUIFAX.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

A settlement offer was made by XXXX XXXX to me in XX/XX/XXXX in the amount of {$3700.00}, offer was accepted pre-mediation. Prior to this, I mailed in a mediation request form, XXXX contacted me, offered this amount due to past checking and savings accounts opened which were not authorized by myself. The accounts were opened by Wells Fargo reps in order to meet unrealistic sales goals. According to an email from XXXX, payment was supposed to be received on or around XX/XX/XXXX, it is now XX/XX/XXXX, no payment received. Additional complaints were filed since, Wells Fargo has replied by sending additional mediation request form, a total of five filled out and send it, most of which were denied.. The last mediation rep, XXXX XXXX, replied stating a check was sent in which case I did not receive it as I've stated numerous times prior in past complaints.. Further, he stated he is not a handwriting expert but he claims I had signed it when again, it was not received, contradicting himself. He also denied any information reported to third parties such as XXXX ( XXXX XXXX XXXX ), a  letter received that day on XXXX stated otherwise.. It appears offer made by XXXX XXXX was low-balled as I've spoken with other current and former Wells Fargo customers whom have received more with lesser damages than myself ... XXXX also denies this but was unable to show me anything proving offer was " in line '' with others.. Needless to say, nothing resolved with him, I then requested to speak with someone in charge ... .XXXX XXXX reached out in re and we've been messaging ever since. A fraud investigation in regard to lost check was made, have not heard outcome of it, a XXXX called me in re, was advised of source of check and reason it was issued..He has not reached out since.. It appears Wells Fargo will not reissue check, honoring their settlement offer, numerous CFPB complaint have been filed in regard to fraud check issue ... A total of four different reps have replied including a XXXX XXXX, XXXX, XXXX, a last rep by the name of XXXX. All four reps use the same bogus line, " Wells Fargo has made numerous efforts to resolve my concern, exhausted all resources '', I can assure the CFPB this is a lie as non of the reps mentioned above have detailed one such attempt which might include reaching out via phone, email, or otherwise ... If they had, they would mention it in replies which they have not.. There was no reply to complaint filed prior to this, number XXXX, no attached response.. However, I can assume such reply, if given, includes the same bogus form response detailed above. Currently, a mediation session is scheduled, however, the issue of fraud check remains unresolved. Failing to reissue check, I request Wells Fargo provide proof of whom and where it was cashed. I have attached copies of check in question as well as fraud affidavit.
Consumer complaint received 2020-04-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uplift, Inc (TX)

This was to cover the cost of a cruise which was canceled by the XXXX XXXX. They are continuing to charge me monthly fees plus 31.62 % APR despite the fact that my family has received nothing of any value. The refuse to stop automatically debiting my checking account despite the fact that we were not allowed to take the cruise and despite the fact that there is no money left in the account.
Consumer complaint received 2020-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TX)

Wakefield and Associates to which is the debt collection company in this matter was paid in full on XX/XX/XXXX for a medical debt of {$100.00}. This item was reported on all three of my credit reports as a collection by a Collection Agency/Attorney. The original debt belonged to XXXX XXXX XXXX XXXX XXXX and was told it would be updated for removal and it would take up to 30 days to post. As of XXXX of XXXX, it was removed from 2 of the major bureau but continues on one of the major reporting companies. When I contacted the collection company on XX/XX/XXXX, the Agent on the other line was aggressively rude stating they will not update the XXXX balance item for removal as stated before. They do not do reporting of updated information as the original owner requested. I informed her the original owner of the debt stated they were to do so being I paid the item in full to which was asked of me. She then preceded to state this is not what they do and they will not update the information again. I then asked for a copy of the letter to which they claimed to have sent to me and was told they would not resend the letter. The item is still reflecting in their system but paid. The customer service professional was very unprofessional although I understand with the pandemic going on people are frantic. Yet, there was no need for her unprofessionalism.
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (MN)

My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX (XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2022-12-29
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. (CA)

The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : - 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  Below are collection accounts that do not belong to me : - XXXX XXXX XXXX {$2000.00} -XXXX XXXX {$5000.00} XXXX XXXX XXXX {$420.00} -XXXX  {$0.00} -XXXX XXXX XXXX
Consumer complaint received 2022-12-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

Went to XXXX XXXX nissan in XXXX to buy a car with a friend of mine who agreed to help me by cosigning the salesman understood i couldnt get vehicle without a cosigner so after all the paperwork was dot pne i thought it went well a week later i check the website for the account an learn we were a victim of Bait an Switch scam i was not the buyer i was the cosigner an my friend was the buyer not any paperwork i recieved at the dealership says im cobuyer the paperwork the dealer sent to finance company is not the same that was giving to me when i requested copy of the contract the finance company recieved an compared it to what i got its missing multipages dollar amounts change completely different i also noticed my copy of the contract does not have my signature nor my friends.
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. (MN)

My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX (XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this debt
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2024-01-05
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2020-04-10
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. (MN)

Awhile ago my identity has been compromised and there's still accounts reporting on my credit file inwhich does not belong to me. Both open & closed accounts even some authorized user accounts inwhich i have no knowledge of and wish to be removed immediately. Please remove and block the following unknown accounts inwhich I hold absolute any responsibility for. 

1 ) XXXX XXXX 2 ) XXXX XXXXl Closed Accounts 3 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX 4 ) XXXX XXXX XXXX XXXX XXXX, credit limit XXXX  5 ) XXXX/ XXXX XXXX XXXX 6 ) XXXX XXXX
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Was issued a unemployment insurance agency debit card issued by Bank of America. On XX/XX/2020 there was a {$720.00} dollar amount on the card. Told by my financial institution XXXX XXXX XXXX XXXX to withdraw whole amount .The atm would not dispense that amount so I chose {$500.00} and a {$3.00} fee was taken for the transaction, thus having to take another transaction to get the {$200.00} another {$3.00} was taken.Leaving a balance of {$16.00} on the debit card, which my figure is {$720.00} minus {$700.00} is {$24.00} minus the {$6.00} in fees should be {$18.00} not $ XXXX.I complained at the credit union who blamed Bank Of America about the restricted amount per transaction and for the fees. Why is Bank of America charging for set amounts of withdrawal? Therefore making twice the amount when the value is over $ 500.Now I have to pay fees to get my government issued money. There was no mention of fees related to withdrawal amounts or withdrawals on any of the literature that came with the debit card. My credit union was unaware of this fact as they instructed me to withdraw the whole amount.I did not choose a debit card for payment but was issued it as the site crashed as I was applying and this is how it was set up. At this time Unemployment and Bank of America are so overwhelmed with others I can not seem to reach them and have been on hold for longer than an hour and gave up. Please advise
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (PA)

I signed up for this card and rarely used it. I had lost my primary and used this card. I never received a statement. I believe I spent ~XXXX. Now my balance is {$130.00} and has been reported to the credit bureau as late. I never received a statement. I never received a phone call. Then today, I receive a letter saying they've reported me to the credit bureau.
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MO)

I have a XXXX XXXX  bill from when I used to work there and I would like it to be removed bc of the circumstances with the company my social security number : XXXX XXXX XXXX  {$820.00}