davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

I have noticed that my Wells Fargo XXXX credit card statement has been consistently misapplying credit cards payments since XX/XX/XXXX. For example, I made recent online banking payments ( transfer from checking to credit card ) on XX/XX/XXXX for {$500.00}, XX/XX/XXXX for {$500.00}, XX/XX/XXXX for {$400.00}, and XX/XX/XXXX for {$1100.00} - each transaction was credited then subtracted twice from my balance. Thus, leaving me with a growing outstanding balance. On XX/XX/XXXX I logged into my Wells Fargo online banking account and noticed that the XX/XX/XXXX payment for {$500.00} that I made to my XXXX credit card was added to my outstanding balance. I called Wells Fargo today XX/XX/XXXX and told by their representative XXXX that the bank knows about the issue and has been working on it. Wells Fargo never issued a notice to its customers to notify about this problem thats been ongoing with their system for well over a month and a half, and its unacceptable to not have this matter rectified immediately. I would like to know the following : ( 1 ) why hasnt Wells Fargo notified its customers of this problem? and ( 2 ) I want my account to be immediately credited {$500.00} that was erroneously added to my running balance when in fact it was a payment on XX/XX/XXXX?
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (MS)

I had a balance of {$1600.00} owed to Pro Collect Collection Service. I made an agreement to pay the amount in 3 months, in which I did. The {$1600.00} was for a bill to the XXXX XXXX. 

I asked the collection agency if they was going to delete the collection from my credit reports, when I paid the balance in full and they assured me that they would.The balance was paid off in XX/XX/XXXX. 

The collection is showing a XXXX balance on the credit report, but it is still on my credit report. 

I called this morning, and they transferred me to a lady named Mrs XXXX, and she said that she didn't see it in the notes, and they were not going to delete it and hung up the phone on me.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (TX)

I opened an account with Continental Finance/Cerulean awhile back. This month I received my statement the day after the due date. I immediately attempted to call them to let them know in hopes to avoid a late fee. The number they list on their statement and on their website goes to an automated recording and does not give you the option to speak with a representative. The only way to talk to someone at this company is to claim you lost your card or it was stolen which I did and finally got a rep on the phone. I explained my situation and they told me they could not help me with the situation or remove any late fees.The only thing they could do was take a payment but I had to again use an automated system and that they would charge me {$10.00} to pay my bill. Why would any company charge you to give them money? I could not believe that based on my situation and calling them to resolve it that they would charge me to pay by bill! After several tries with the automated system that didn't work I was told I had to be transferred to a payment processing team. Upon transfer, I was hung up on, I called back, I was hung up on again, I called back a third time and again, I was hung up on. So I went online to their website to see if I could talk to someone or make a payment. Again, only phone number with automated options, none to talk to a human being. So, I just attempted to pay my bill online, entered all my information, double checked it and it would not accept it. This company appears to be predatory and seems to make it impossible to get your statements on time, to communicate with them, or give you easy options to make payments. It seems they are doing everything they can to make you late, charge you fees and hurt your credit rating. I am writing the CFPB to make them aware that this company is predatory and not operating in a trustworthy manner to warn other consumers.
Consumer complaint received 2020-06-09
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. (MD)

I have a letter from XXXX XXXX stating they have no bankruptcy on file from me XXXX TransUnion continues to say they verified this account with XXXX XXXX is TransUnion verify this account when I have provided a letter from the vendor XXXX XXXX This is my 4th time send this letter
Consumer complaint received 2019-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened.
Consumer complaint received 2019-12-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NC)

On XXXX a call was placed to Wells Fargo Dealer Services to see about a 2-3 month deferment due to a large financial change to where I would have to take over mortgage payment of a family member 's home due to job loss. I was denied being told that I had income and that the financial change of that type does not qualify. I when I was able to a a little breathing room I made a payment of {$800.00} to Wells Fargo to cover at least one payment as I was already a month behind. 

On XXXX I was diagnosed with a medical issue and spoke with Well Fargo on XXXX to advise them that I am going on XXXX with no ETA of return and that I am currently waiting XXXX   XXXX payments so that I can continue payment. Wells Fargo wanted me to give them a call on XXXX to advised them of when I'm making the payment. After that phone call on XXXX I noticed how " helpful '' Wells Fargo would be considering my current health issue. I did not call them until XXXX advising them that I have not gotten my XXXX money yet, they advised that a letter for repossession was sent out on XXXX which I have not received. I had advised them that my XXXX is still pending and I'm currently awaiting approval and my XXXX end date is XXXX depending on the status of my medical condition I will be returning to work afterward. They denied a deferment stating that I did not have any income. I told XXXX XXXX, that you can go verify with my employer of my current employment status and was told that they won't do that. So my question is which is it ... income or no income to get a deferment and why lie to your customers. 


This is bad business practice for a bank where they only care about themselves and not their customers.
Consumer complaint received 2019-12-29
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: EQUIFAX, INC. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Those accounts are resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ]
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

In XXXX I have received a Sears Master Card issued by Citigroup. I have always paid all bills in time. In XXXX I have received a note, stating that Citigroup is changing things, including issuing new Credit Cards. I did not get a new Credit Card. 
But with statement closing date XXXX I have received a Statement for an account number I did not have. I have never had a credit card with the number in this statement. I have never activated a credit card with this number, because I have never received a card with this number. So it is not possible for me to use a credit card I do not have. I HAVE CONTACTED CITIGROUP IMMEDIATELY TO SOLVE THIS PROBLEM. The lady I talked to at the phone was rude, did not let me explain the case and hung up on me. 
So I wrote a letter to the billing department. The letter has been ignored. I wrote more letters to Citigroup, including to the CEO of Citigroup and the Vice President of Citigroup. The one to the vice President with Return Receipt. WITHOUT SUCCESS. Citigroup keeps sending Statements for the credit card account I have never had. They are adding up late fees to the statements. They have closed this account that never existed in my name. 
They handed this case over to a collection agency and have reported this to the credit bureaus what gave me a negative entry in my credit report and brought my credit score down.

I AM TREATED BY CITIGROUP LIKE A CRIMINAL, JUST BECAUSE CITIGROUP IS NOT WILLING TO SET THE RECORDS STRAIGHT AND CORRECT THE MISTAKE THEY MADE. 
I explained that to the collection agency and pointed out that citigroup has to file a law suite to receive a Judgement from the Court to have a legal claim. A law suite would clear the mistake made by citigroup.

I am not willing to pay any money for a mistake made by citigroup.

I expect citigroup to clear my records, and I expect that citigroup clears my Name at the credit bureaus, meaning that my Credit Report will be cleared of this entry and that my Credit Score will be cleared and returned to the state it was in before this negative entry from citigroup came.

Citigroup should also pay me Reparation for all the  trouble they put me through.
Consumer complaint received 2019-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

The company 's website does not work at all and keeps giving error messages upon login. The company continues to have issues ongoing and I was assessed a {$30.00} fee due to one of their website issues. I CAN'T EVEN LOG IN TO PAY MY BILL. NOBODY ANSWERS WHEN YOU CALL OR YOU GET SOMEONE WHO IS COMPLETELY CLUELESS AND UNHELPFUL.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXXXXXX XXXX  ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVICY 15 U.S.C. 1681 SECTION 604 A SECTION 2 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Consumer complaint received 2018-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

In XXXX, my DIRECT loans were transferred over to XXXX XXXX XXXX and from the very beginning I started having problems with them, mainly that they kept changing the terms of my loans without my consent or notification. I went round and round with them on this and finally had to enlist the help of the Dept of Education 's Ombudsman 's office for assistance. They told me the only way to get out from under XXXX XXXX was to re-consolidate my loans and request a different servicer. I told them I was interested in the PSLF program so they helped me fill out the paper work and get on the right repayment plan and pick a new services - XXXX XXXX Servicing. 

I began making payments on the new loan in XX/XX/XXXX ( the first payment of {$200.00} was made XX/XX/XXXX ). I made payments to them as directed and, in XX/XX/XXXX or XX/XX/XXXX, I received a letter from XXXX  XXXX saying they were now going to service my loans as they were the only servicer for the PSLF program but to keep making payments to my current servicer ( XXXX XXXX ) until the account was fully transferred. Needless to say I was less than thrilled but kept making my payments as instructed. In XXXX I made my first payment directly to XXXX XXXX and have done so since then. 

When I filed my first certification of employment form ( I was told to do this often to ensure that my payments were being properly credited ) I received a letter back indicating a different number of qualifying loan payments. I called them immediately to fix the problem and we've been going round and round ever since ... 

Long story short, I began making payments on the PSLF qualifying repayment plan since XX/XX/XXXX but XXXX XXXX refuses to acknowledge the payments made in XXXX, XXXX and XX/XX/XXXX. The first payment they report on their site is XX/XX/XXXX, and continue to tell me that the payments made to XXXX XXXX prior to that are ineligible. I have bank records indicating that payments were made, and more importantly, payments were also made between XX/XX/XXXX to XX/XX/XXXX, but XXXX XXXX will not include those either. 

There are a whole bunch of other issues with XXXX  XXXX that I've had over the past 4-5 years, but this is the most pressing one as of today. 

I've been trying since XXXX to get this issue fixed and it has been 4 years with no resolution. Please help me get this resolved ...
Consumer complaint received 2019-12-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-05-14
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. (UT)

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 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 The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies acting fairly, impartially, and respecting consumers privacy rights. Equifax and XXXX fall into this category, and as a consumer, I have the right to protect my private information. The FCRA ( 15 USC 6801 ) also places an obligation on financial institutions to safeguard customer privacy and confidentiality. 

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only provide consumer reports with the written consent of the consumer. Neither Equifax nor XXXX, nor the entities furnishing information to credit agencies, have obtained my consentwhether verbal, written, or implied. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their right to prevent the disclosure of nonpublic personal information to third parties. However, I was never informed of this option by the entity providing information to credit agencies. 

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. Equifax and XXXX compliance with this provision is questionable. Similarly, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. Unfortunately, it appears that Equifax and XXXX may not be fulfilling this requirement. 

In summary, Equifax and XXXX actions appear to violate various provisions of the Fair Credit Reporting Act and related regulations. As a result, I am opting out of their reporting services.
Consumer complaint received 2019-12-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (MO)

I took out a title loan in XX/XX/2019 due to being unemployed and in a financial hardship. I was making payments on time and up until XX/XX/2019 when XXXX, a regional manager took it upon himself to play collection agent. It was Saturday morning, around XXXX XXXX when he called me from a Texas area code mobile phone. He never asked for any account information, never attempted to verify who answered the phone and proceeded to demand I make a payment that day before XXXX XXXX. This is why I have taken action due his demeanor and actions as a threat with intent since I feel the legal biding contract has been violated due to his actions. I did make payment on XX/XX/2019 and was told he was actually sitting in the office calling all clients and demanding payments by manager and employees who work there. I was told XXXX was demanding payments to make up over a bad months and collections were down. I became a victim this day due his bad choices. I reached out to customer service and waited over 10+ days for a response. I called and called and go the run around. I worked with XXXX and XXXX at the local office where loan was taken. They fear their jobs are at risk due to XXXX. I then got a call from XXXX, he is over XXXX and he assured me this would be dealt with and addressed, asked for week to 10 days to review files and would work with me to resolve or reduce loan fees for XXXX ' actions on XX/XX/2019. I have made a payment since on XX/XX/2019 and not heard a word from Title Max since. No letter, no phone calls, and feel as if they seem to think nothing is wrong with the actions they took and how a client is left to deal with their unprofessional actions. I want my title back and they need to be fined for this violation.
Consumer complaint received 2019-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. The accounts that are on my account that are not mine are : XXXX  and XXXX XXXX which I listed on Identity Theft. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). 

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine. 
Please remove as soon as possible these accounts from credit report.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This will be my second attempt @ trying to have FCRA section 609 ( a ) ( 1 ) ( a ) met properly for my complaint. I have mailed in a debt validation letter on XX/XX/19 to Portfolio Recovery Associates and I will include a copy of their response. No where is a copy of any physical proof this if my debt or in fact even my account. I am curious as to how theyre not held to the FCRA laws. It is baffling to say the least. I requested the following information from them & can not seem to get anything except a copy of a statement from them PRA, with no documentation attached to confirm this account is mine. I asked for a copy of their state license, didnt receive that as well. I will continue to file complaints until I receive a proper debt validation. I have read numerous complaints online regarding the same issues other consumers have with PRA. I am demanding a PROPER DEBT VALIDATION with a copy of the original SIGNED consumer contract. How is it even legal for them to purchase an account with NO physical proof that this account is in fact the consumers???