davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

I received the Way2Go Card in the mail to access my UI benefits. The brochure states that customer service is available 24/7 and it lists services available to me. One of those services is 'Fund Transfer ' ; However, when I call the toll number provided, it does not give that option. I have pressed every option to find any information on fund transfers, only to come up empty handed. I logged into the Way2Go Program website, but this website is poorly constructed and I did not find any answers nor any help with my question. I searched online for more information on how to handle this, only to find many others who are also having this problem with being unable to transfer funds to their bank accounts, and not being able to speak with a customer service rep ( because there is no option to speak with a rep ). Apparently, this was an option at one time, but they have since removed this option. I would withdraw the money from an ATM, but according to other people who have tried this, they were met with many challenges and fees. The brochure states that the ATM withdrawal limit is {$500.00}, but reading the comments suggests that this is not the case, it is only {$300.00}. I feel the Way2Go Program has given me false information in their mailer and their website, and they are trying to force me to use this card instead of my personal banking institution that I have a rapport with. I need answers and for the Way2Go Program to respond and provide the option to transfer funds to our personal banking institution like they promised via the brochure. The fact that a company who has been selected to handle millions of American 's money refuses to have a customer service line is beyond me. Further more, it seems to be a scam by them forcing people to use this card and tacking on all these additional fees unnecessarily. At a time when the world has so many uncertainties and so many hard working people are doing their best to stay afloat, it is disheartening that the Way2Go Program is trying to capitalize on tax dollars and scam honest people out of their benefits they are using to pay their rent, feed their families, etc. This is certainly not the way to go.
Consumer complaint received 2016-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

My loan was recently paid off. However the mortgage lender did not refund all the monies in escrow. They held back {$1800.00} with no reasons cited. I was current on my home insurance and property taxes were paid during closing of the loan.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-26
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: Resurgent Capital Services L.P. (NC)

This is my daughter 's account, I was making the payments for her while she was going through XXXX XXXX treatments. The company somehow attached my name to this account and now it is showing on my credit report. I tried to dispute it through the credit bureau but was denied. I have tried reaching out to the company, but due to my daughter recently filing bankruptcy, they will not speak to me in regards to this matter.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

On or around XX/XX/2020 I attempted to lift my security freeze with the 3 credit bureau reporting agencies. I could not access either account even though I had the security issued pin ( s ) when I placed a freeze ( due to identity theft ). I attempted to call each agency and could not contact anyone to speak to getting circles of voice que 's.

When attempting to access experian a page popped up that stated to send documention to them. I followed the instructions and mailed certified onXX/XX/XXXX. I received confirmation the documents were received on XX/XX/XXXX. No one has contacted me via phone, email ( I have monitored my spam folder ), or mail. I continue to be unable to get through by phone or access accounts online. 

I am attempting to refinance my home and am unable to proceed without lifting the credit bureau freeze.
Consumer complaint received 2020-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sirs, XXXX XXXX XXXX is saying I owe them for a charge to me by Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX PA {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX. .for XXXX for the last 1 1/2 years i thought this was from an old XXXX XXXX account but after farther investigation I came to find out that it was a medical bill and should have been sent by the collection agency to my insurance company and gov. heath agency that handles those type of bills and charges. This bill should not have even got this far in the first place, and if it had been handled correctly to begin with, would have been paid in XXXX and no longer in existence. Due to this wrongful collection my score is XXXX. My credit score is keeping me from owning a home and owning proper transportation which in Texas if you don't have a car you can forget about advancement socially or making your life better. Your left at the mercy of social programs and volunteers and others. So I started investigating the collection that has virtually kept me financially impotent for 2 years.. I tried to file a dispute but every time I did XXXX would not let me and then even worse they would erase or delete all my work and research hours of gathering information gone. How? losing all that work and time spent, causing me to feel hopeless and depressed making a person feel like they should giving up. 
I am physically and to a lessor degree XXXX XXXX. I have Medicaid, Medicare, and heath insurance through XXXX XXXX so all of my medical and health related financial responsibilities are covered by those 2 agencies and 1 private insurance company. for 10 years. 
So tell me why has XXXX XXXX XXXX been ruining my life and tarnishing my financial credibility and have for 2 years all opportunities in my social advancements and all financial and monetary gain and will continue to do so for years to come? 
XXXX  would not even let me file a Dispute against XXXX only after I filed with TransUnion did they follow suit? 
XXXX XXXX XXXX had no phone number or email NO CONTACT INFO.. It has now been updated with a phone number and address
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

I submitted a dispute on XX/XX/2020 to Portfolio Recoveries ( Account # XXXX ) and to all 3 credit bureaus about an inaccurate collection account that reported without sending me any notifications in the mail. 

It's been over 30 days, no response from any party and the account is still reporting on my credit report. By law it needs to be removed if they don't validate in 30 days.
Consumer complaint received 2020-08-04
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-01-06
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-02-11
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: EQUIFAX, INC. (GA)

Each of XXXX Credit Bureau 's received credit report updates on my student loans Theyve been paid off My credit score did NOT XXXX up like many others I continue to have a score thats classified as " poor '' and below 600 and Im not able to secure any credit despite the bureau 's sending me recommendations on Credit cards in last 60 days to Build my credit. 
The information is mismatched. Also, Equifax and XXXX show me LATE on XXXX student loans But my loans are PAID to XXXX balance And while on my credit they were in Deferrment This is making a challenge to get any credit I apply for I also work with a system called XXXX I unlike my colleagues keep having IT issues impact mywprk under my pprofile I addressed this but the credit bureau denied their being linked onto my credit profile. 
I had a FREEZE on my credit file and despite that they permitted XXXX to PULL my credit. 
I asked their accounting dept and they said they dpnt know how their compuer XXXX system let that inquiry happen but they also concerned about XXXX policy. 
Every single time I request credit access into Equifax, My Login credentials Do Not work I always hace to stop and call in and redual ex after hang ups and finally talk XXXX a rep Today a rep had to HELP me get access to my acvount to manage a freeze and it took me XXXX minutes on the phone to gain access This is Typical pattern for ME when I sttempt to do anything with my own Equifax reports At times it happens with the others Adfitionally they continue putting a OLD Emploer on my profile from another state This practuce has hone on XXXX years for XXXX business and XXXX years for a NY XXXX credit company I worked at as a part time Temp XXXX yr after graduating high school!!!! 
Another is XXXX I had a on job complaint XXXX case with
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have illegal unauthorized hard inquiries on my report that I do not recognize! 
I want them removed immediately! 
These hard inquiries are on my XXXX credit report and are in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are on my Trans Union credit report and are illegal . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (KY)

XXXX loan One payment did not clear, already paid XXXX over 15 months on loan. Now say I owe XXXX dollars more on XXXX biweekly payments until XXXX. Interest does t seem XXXX and wasn't explained to me.
Consumer complaint received 2024-05-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (TX)

CarMax LLC alleges they have violated no securities laws but this is untrue. If you have truly followed laws as the investor of the security shouldnt I be compensated for my investment. I have received no proceeds from the trading of the security and since we have been unable to come to a reasonable compromise I will pursue my claims in a lawful court.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried so may times with so may places about this case. This time I think I will try my home Bank of America, where our relationship all started ( I also just submitted a complaint toothed OCC with the bank that is located on the check, I hope the locals resolve this? I am not nearly satisfied yet ) I my Home Branch does not want anything to do with me I understand** **My Bank of America XXXX XXXX XXXX XXXX XXXX Bank of America Checking Account Number XXXX Bank of America Savings Account XXXX XXXX Bank of America Credit Card XXXX XXXX Bank of America Auto Loan Account XXXX XXXX XXXX XXXX ( no excuse to victimize a human ) XXXX XXXX ( no excuse to victimize a human ) ** ** ( I strongly believe I am the honest one ) ** **I demand answers to the OCC and or the enforcement of violation of the investigation by Bank of America who might be covering up foul play, banking misconduct through medical neglected, bias harassment, bias conspiracy, I and the OCC have not received answers on why XXXX as showing on back of copy of check, this check was accepted by bank by mail? It was not me who sent it and there has not been a real investigation because a real investigation would prove on how I am the victim. Why was the deposit slip left incomplete? How did the teller or even the bank that received the check by mail get the information that says it is my account? This is an inside job. Bank of America had to do something to do with this by knowing my checking account number, which was not showing on the deposit slip. Where did that deposit slip come from? I know deposit slips come inside check books, but I do not have check books ever ordered from Bank of America. Can Bank of America prove that I do have a check book? What about the routing number on the checks? The group of numbers in the middle of the check. Can Bank of America show the OCC how they identify to XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX, which is showing on the check as the business that the checking account is in, and that business is located in California. What about the check show where they deposited if the routing numbers on XXXX 's checks do not show to be routing numbers to California Bank of America 's. This case has been going long enough and all I get is delayed reviews with no results of what is obviously wrong. What makes someone's mom so powerful that she can influence women to treat a human being like this and herself as well? Is this what people who attend church learns to do to outsiders? This is not the God always known** It has become unfair to me on how women can get away with crimes just by the belittlement of a male. My life has been so unfair. Me being XXXX makes it worse, very sexist! Are all women vengeances like this? What did this male do? **
Consumer complaint received 2023-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I have filed numerous complaints with the CHPB regarding my XXXX mortgages that i previously had with Wells Fargo loan XXXX and XXXX regarding properties XXXX XXXX XXXX XXXX MN XXXX and XXXX XXXX XXXX. XXXX MN XXXX. 

wells Fargo tried to foreclose on these properties back in XXXX. I had originally taken wells Fargo to court in XXXX and i won my case. 

XXXX XXXX ruled in my favor and had to contact wells Fargo several times after that to undo my foreclosure In about XXXX wells Fargo again tried to foreclose on my houses and would consistently deny my loan modification nor admit any wrong doing.. after many attempts Wells Fargo did a loan modification on my property at XXXX XXXX XXXX XXXX XXXX however, any monies that were in question were rolled over into the new loan. 

My property at XXXX XXXX XXXX was a different story. they refused to do a loan modification on my my house and i had to have it sold by a specific date. the house went to the Sherriff sale and went back to wells Fargo. I had to end up doing an emergency bankruptcy on my house to prevent this. i went through every process with WF Bank. the refused to admit any wrong doing with my payments. i showed proof and the result was the same. they pit the proof of burden on me when i had already showed them my payments and they had my ban statements. I've tried to go back to court, but most lawyers wont touch the bank or want more money than i have for a retainer or lawyer fees. I had to end selling my house for less than i could have gotten for the house and now the partial bankruptcy is on my credit file. there is a XXXX XXXX dollar fine against wells Fargo. i need to be part of the class action lawsuit against Wells Fargo. as the robbed me of my house my money and my credit plus all the anguish they caused me. They are the Devil.. my loan numbers were different prior to the current loan numbers. please contact me with anything that you may need from me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX last XXXX social XXXX
Consumer complaint received 2023-01-06
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXXXXXX XXXX XXXXXXXX Balance : XXXX
Consumer complaint received 2020-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gragil Associates, Inc. (MA)

I was looking at my Credit report on XXXX when I noticed that I had an account in collection for XXXX dollars. I looked up the company Gragil Associates and called them Spoke with a Ms. XXXX XXXX. After getting my information she pulls up account with wrong address. Address is actually XXXX year old sons and the bill is actually for treatment he received but they are listing me as responsible. After being put on hold she comes back on phone and states that they will fix their report to the Credit Bureau in 1-2 weeks. This report was fraudulent and has effected my credit score already and they never contacted me before reporting and now they want time to fix it. This company has had many reports on deceptive collection practices and its Time that they face actual action for trying to ruin peoples lives as it was I was denied credit through XXXX card for being in collections which I could not understand now I know exactly who did this to my Credit!!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The obligation under FCRA 605B, as I understand it, is to expunge any inaccurate accounts from my credit report. Could you take a moment to examine the documents? It appears that some of the listed accounts are not reported accurately.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (FL)

I received a negative remark from this company. Due to COVID-19, I called them let them know I had been laid off from work and I was unable to make a payment for the month of XXXX and XXXX payment I would be able to pay what I owe. I asked them since there is a pandemic is it possible, the representative said it is ok. Now I have a late and It is unfair.
Consumer complaint received 2020-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL INC (UT)

Coast Professional has illegally reported to XXXX a derogatory account after I filed a complaint with the CFPB XXXX back on XX/XX/2020 against them stating my notice of dispute of validity of the information provided. I REQUESTED The debt to be sent back to the original creditor there is identity theft and fraud related to this matter. They have have sent the derogatory information anyways to my credit report violating my rights under the FDCPA. The information was disputed within the 30 days of validity and requested to send back to the original creditor due to identity theft and fraud. Your breaking the law reporting to the credit reporting agencies anyways. I will seek litigation if this isnt removed immediately.