davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

My husband and I had a loan consolidation in XXXX. Our loan was totally XXXX with a XXXX balance by XXXX 's long term & permanent XXXX discharge in XXXX. We finalized the 3 year monitoring in XXXX. However, I was taking care of a teenager and my XXXX XXXX father at that time. My husband received a student loan bill that was transferred from XXXX to AES for {$21000.00} in XXXX. XXXX years later we didn't know loan was paid off, so my husband, ( XXXX XXXX ) and I kept paying monthly payments to AES because were receiving an automatic monthly bank drafts from our checking in XXXX for the amount of XXXX to XXXX. Our loan was a fixed rate of 4.625 % and AES change from fixed rate to a variable rate without our consent. AES continued to bill us for the same balance as the original XXXX loan borrowed in XXXX and then it was paid in full in XXXX. We continue to pay AES XXXX from XXXX to present. The loan is currently in forbearance due to not owing this XXXX and we hope this loan will be resolved as soon as possible. I have all the credit reports, bank statement payments, original consolidation from XXXX, to XXXX estimated payoff letter of XXXX, XXXX XXXX. NO PROMISSORY NOTE of either reports, both my husband and I have a XXXX balance with XXXX XXXX. We are owed approximately XXXX in OVER PAYMENTS because we had automatic draft and assumed it was not paid off in XXXX AES XXXX states we still owe XXXX + XXXX in interest with it being in XXXX months forbearance due to a variable interest rate unbeknownst to us that AES XXXX to a variable rate, owing MORE than he originally borrowed in XXXX. This entire loan including the XXXX was paid in full in from XXXX to XXXX. How in the world could my husband owe MORE THAN the original loan borrowed from XXXX XXXX, XXXX years later!!.? Please contact me ( XXXX ) XXXX or the above email address. Thank you for your time and assistance. XXXX & XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

There are two issues of fraud. 

The first is that my husband purchased a home located at XXXX XXXX XXXX XXXX, XXXX  XXXX. The home was purchased on or around XXXX XX/XX/2019 using my credit without my knowledge or consent in violation of applicable laws. As best I can tell, the current owner of the loan is XXXX XXXX located in XXXX XXXX, NC. ( possible loan number is XXXX, although this number could also be the state collection number against the property ) The second is the acquisition of a third-party loan currently owned by Wells Fargo XXXX The loan collateral used was my private residence. This residence is held and owned under only my name, XXXX XXXX. I was not notified of the loan, nor did I consent to the issuance of this loan. The original loan amount and the loan holder is unknown to me. When I followed up with Wells Fargo the bank was unable to disclose that information to me due to privacy laws, even though I am required to satisfy the third-party loan by court order. 

Both issues were discovered due to divorce proceedings.
Consumer complaint received 2024-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (PR)

On XX/XX/XXXX, I purchased a service that included custom aligners, regular check-ins with an orthodontist and a lifetime guarantee on any issues that might arise with the purchased aligners. While XXXX XXXX XXXX  no longer exists, the payments for this non-existent service has now passed to HFD. 

I heard about the company 's bankruptcy months after the bankruptcy by chance as there was no official email, phone/text or mail communication from the company. 

I contacted my bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and explained the situation. They suggested I dispute the last two transactions and change my credit card to avoid further charges and assisted me with both of these. 

I reached out to HFD on XX/XX/XXXX to dispute the account on the basis that the company 's bankruptcy has resulted in the abrupt cessation of all ongoing treatments to their patients and I was told by XXXX, the HFD representative that took my call, that nothing could be done and that I was expected to continue paying. I explained that this unforeseen circumstance has left me in a position where I am still being charged for a service that is no longer being provided and so I asked to have a refund or to have my account placed on hold as was the case for many others like myself who were still in the middle of their treatment plan, until the customer support plan was approved as was communicated by official sources and but my requests were denied. I was then forwarded a contract that was different to the original contract. I have provided both as evidence below. 

I believe it is unfair to continue these charges given the circumstances, as the original agreement was based on the understanding that I would receive a complete XXXX XXXX treatment. The bankruptcy of XXXX XXXX XXXX has disrupted this agreement, leaving me without the promised service and yet still obligated to make payments. 

While a refund would be my preferred resolution, I understand that may not be immediately possible, therefore I would like to have my case reviewed and to have the company cease any further charges related to the teeth aligner treatment.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc (VA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2017-06-02
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: Experian Information Solutions Inc. (CA)

there is an inaccurate collection on my records, for which Experian is the only one who is reporting this inaccuracy, after long disputes they have not removed this collection from my records. i have tries to contact the collection agency but they do not response when i leave messages, and their address is inaccurate and all the letters com back to my address.   please help me to remove this inaccuracy from my records.   thank you
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST NATIONAL BANK OF OMAHA (FL)

I called First National Bank of Omaha in XX/XX/XXXX and made an offer to start making regular payments and when I told the lady how much I wanted to pay she was extremely rude. They did not agree. They have charged multiple fees and then charged interest unfairly including interest on the fees. These fees have made my balance increase {$600.00}. <P/> They have been calling my place of employment. They called today XX/XX/XXXX  and once before. They are harassing me at my job! I told them to stop calling my job and they just continue.
Consumer complaint received 2021-07-21
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. (VA)

I did NOT authorize an inquiry from the lender while submitting my paperwork and deposit for a vehicle. Before completing this paperwork I inquired multiple times if it would be a hard or soft pull. XXXX, the sales representative, assured me it would be a hard pull. One day after I submitted this paperwork I saw an inquiry on my Equifax credit report from XXXX. I didn't recognize this inquiry and asked XXXX and XXXX, the finance manager, if they recognized that inquiry as being from them. They assured me once again that no they didn't run my credit. I then filed a dispute directly with the credit bureau and they traced the inquiry back to the dealership : XXXX XXXX of XXXX. When I asked the dealership, they told me verbally that they ran my credit on Equifax, which contradicted their several earlier statements that 1 ) there would be no hard pull, and 2 ) they were not the inquiry that I asked about. I have asked the dealership to remove the inquiry and have not heard back on that point.
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is fr om  X/XX/  17.
Consumer complaint received 2022-12-15
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. (FL)

ACCOUNT # XXXX XXXX  XXXX XXXX IS OUTDATED AND NOT REPORTING CORRECTLY, BUREAUS HAVE NOT RESPONDED IN 45 DAYS.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I obtained credit reports from XXXX, XXXX, and Experian. On all 3 credit reports, I noticed a total of 14 late payments still reporting on both of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) student loan accounts. XXXX has a policy that has been in place since XXXX surrounding approved forbearances covering and reversing any late payments obtained during that time. I reached out to XXXX via email to their Consumer Advocate Team to let them know that they were reporting late payments on my credit report that shouldn't be there according to their forbearance policy. I received a response 2 days later saying that all credit reporting information from their company is factual and I need to dispute it through the credit bureaus.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (AR)

I believe that my information has been taken from me in theft. There is a place called XXXX XXXX XXXX on my credit report. Not allowing me to get a place to live, says I owe {$2200.00}. The date XX/XX/2016. I have never lived there. Trying to take this off my report is crazy. I have mailed out a letter to XXXX and try to dispute on XXXX. XXXX said it was sent. Some how it's still showing on my report. How do I get this off?
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The items below were taken from my Experian personal information page of their website. The phone number is no longer valid for me I no longer live on XXXX, I have lived at my current address for over 20 years. I have attempted to call Experian and get this corrected but after trying 5 or 6 different phone numbers was unable to get ahold of a human being on the phone all computer that led back to the same messages. My complaint is no access to a customer service rep. and no way that I found to get to one. 

" Also known as XXXX  XXXX Generation identifier N/A Year of birth XXXX Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX Employer ( s )  RETIRED XXXX XXXX Personal statements ( s ) 27 &  XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT [ XXXX ]. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ''
Consumer complaint received 2019-11-03
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC. 
XXXX XXXX XXXX. XXXX, GA XXXX XXXX RE :  Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2019 and I noticed an unauthorized credit inquiry had been made. 
I contacted XXXX/XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXXXXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2022-09-26
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. (MI)

I sent my letters of in XXXX XXXX2022 my Tracking numbers are for XXXX XXXX, Trans union XXXX and XXXX Told the credit bureaus to " investigate every piece of information and I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant, or else wise compliant to every single one even each any and all of the regulations, applicable laws, and or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. The following challenged information is among such allegations of which each and one all require immediate deletion or REMOVAL FROM REPORTING otherwise. I DEMAND rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 
They Stated my account has been verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate. 
list of Accounts see the attachments of accounts than need to be deleted
Consumer complaint received 2019-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

On XXXX, a person who goes by the name of XXXX scammed me out of {$120.00} for music festival passes on XX/XX/2019. The event was called XXXX XXXX XXXX.He sent a zelle request under the name of XXXX XXXX saying it was his business account. He claimed he was on tour dj'ing and will let me pick up the passes at will call. When I inquired about receiving a confirmation email, he blocked me on XXXX.i proceeded to contact him on XXXX and he blocked me on there.I contacted my financial institution ( XXXX ) to report it. It is being investigated. I also contacted Zelle and they opened a case.Upon doing research, his name is XXXX XXXX XXXX and he is from XXXX, IL. I saw on XXXX, several other people have been scammed by him. I was not able to screenshot the messages on XXXX between us because I was blocked. They all disappeared.
Consumer complaint received 2024-03-04
Product: Credit reporting 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. (NC)

i recently went over my credit report and i seen there was a account i did not apply for or authorize which violates my consumer rights under 15 USC 1861b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and want this off my report because it is negatively affecting my score inquires : XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX
Consumer complaint received 2019-11-03
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. (MS)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXXXXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-03
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. (MS)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

My name is XXXX XXXX, and this month I will turn XXXX years old. I am dealing with a serious medical issue with my wife of 35-years. My situation is complicated, but I have been pressed with an acceleration letter to foreclose on my home. My home can be worth anywhere from {$170000.00} to {$210000.00}. I owe {$130000.00} on my mortgage that includes back payments. My recreational vehicle was repossessed, and I am virtually living on a fixed income. Accordingly, I request the opportunity for Bayview Loan Servicing to give me the opportunity to list my home for sale. My wife and I should be living in an assisted living center, and our current matters both medically and financially are just too difficult to deal with. I request a cease and desist on any foreclosure actions, as my home has equity and it should sell fast. A foreclosure action will only cause me financial losses that I simply can not incur at this time.
Consumer complaint received 2023-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I had initiated a online Funds transfer on XX/XX/2023 from my savings account at CHASE bank to my new account at the XXXX XXXX, my account at the XXXX XXXX is a verified account ( by Chase Bank ) instead of transfering the money as requested Chase Bank rejected my request, is Chase Bank failing or going under that they are preventing customers from withdrawing funds from their accounts? these actions of Chase Bank is deterimental to regional banks, I am wondering if Chase Bank is trying to cause regional banks to fail? 

I want you to initiate an investigation into Chase Banks illegal activities, and also help me recover my funds from my Chase savings account ( my funds in the savings account are seaoned funds not new deposits ) XXXX XXXX
Consumer complaint received 2019-08-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (NY)

I have no clue Im just now receiving a summons in the mail telling me to appear for court. XX/XX/2019and this is the first Im hearing about someone suing me.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

ALSO, PLEASE UPDATE MY CURRENT EMPLOYER : XXXX XXXX XXXX XXXX XXXX