davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MO)

My now ex-wife took out multiple credit cards in my name without my consent, and went as far as to forge my signature. I am also dealing with her illegally loaning against my life insurance policy. This is one of many credit cards that she took out in my name without my knowledge, and I am only finding out about it 3 years after she took out the card and it has gone to collections. I have spoken with the collection company and they are not willing to dispute the issue, nor are they willing to provide me with any credit card statements in writing. They did provide me with a few brief charges with this card such as small monetary increments to XXXX XXXX, XXXX etc totaling in the amount of {$760.00}. I am trying to get my credit back in good standing and trying to resolve old issues without filing for bankruptcy, and this is an outstanding debt that I did not agree upon nor have any knowledge of.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Had fraudulent activity on my card that included purchases and credits. Charges were as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ECLIPLSE SAMPLE SALE credit XXXX I was hospitalized at the time and reported fraud. My fraud claim was denied for no apparent reason. I proceeded to send hospital records, and was told that wasnt sufficient. I then filed a police report and sent to them. They said it wasnt sufficient still because it wasnt signe, which it was. All of this was not communicated to me, and I have tried calling today XX/XX/18 six times. They couldnt hear me 4 times and hung up on me 2 other times. I need my money back. Meanwhile I have paid the minimum payment and have accrued interest charges. I am owed {$870.00}, plus interest charges. Furthermore, they did not send me a statement for XX/XX/XXXX, and I had to login to pay, luckily I have my payments scheduled in advance.
Consumer complaint received 2019-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion removed " XXXX XXXX '' XXXX Account # : XXXX on XX/XX/2019. Transunion reinserted " XXXX XXXX '' XXXX Account # : XXXX on XX/XX/2019. 

Case Law : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinsert in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
Consumer complaint received 2018-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Working with XXXX XXXX CEO XXXX XXXX who directed me to XXXX XXXX a higher up in the Ohio. I need 6 months of relief. I have {$100000.00} in equity. I have owned home for 13 years I don't want to have to sell it.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

1.Account name : XXXX XXXX XXXX XXXXXXXX 2. account name : XXXX XXXX XXXX XXXX XXXX 3.account name : XXXX XXXX XXXX  XXXX 4.account name : XXXX XXXX XXXX XXXX XXXXXXXX 5.account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX 6.account name : XXXX XXXX XXXX XXXX XXXXXXXX 7.account name : XXXX XXXX XXXX XXXX XXXXXXXX 8.account name : XXXX XXXX XXXX XXXX XXXXXXXX 9.account name : XXXXXXXX XXXX XXXX XXXXXXXX 10.account name : XXXX XXXX XXXX XXXX  11.account name : XXXX XXXX XXXX XXXXXXXX 12.account name : XXXX XXXX XXXX XXXX XXXXXXXX 13.account name : XXXX XXXX XXXXXXXX XXXX XXXX 14. Account name : XXXX XXXX XXXX XXXX XXXXXXXX 15.account name : XXXX XXXX XXXX XXXX 16.account name : XXXX # XXXX 17.account name : XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-06-15
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: DISCOVER BANK (RI)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (OH)

this is a continuation to the complaint that CFPB just closed. The Federal Student Loan stole over {$600.00} from me by applying to take that amount from my Federal Tax Return for XX/XX/XXXX that I was due back this year. They sent you, CFPB the paperwork stating as of XX/XX/XXXX I only owned XXXX to pay off the loan and yet applied to the Federal IRS and took over XXXX of my federal tax return.
Consumer complaint received 2024-03-01
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. ()

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (CA)

Online platform is old and clunky, the use of XXXX using text is equally outdated. The code to log into my account is either never delivered or delivered 6+ hours later. Being locked out of my own account for almost an entire day and not be able to access it when I need to is not acceptable. Their team must lack the knowledge to tackle the known technical challenge of making XXXX with all phone carriers work properly. PNC should either have solid knowledge of XXXX XXXX to create a stable platform or use a stable product for XXXX such as XXXX authenticator that bypasses the need for text. 

When I called to address the issue, first I was routed to the wrong department and had me on hold for over 10min to realize this. Then was routed to " online banking '' which is what I had selected in the first place, agent hung up and did not call back.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NJ)

Please see my feedback to Case XXXX on why Ally 's interpretation of their own terms and conditions of the promotion they sent CFPB are incorrect and help me reopen the case. ( repeated in next section below ) Attaching letter I sent to Ally below where I had stated the CD I funded for the " new '' $ XXXX ( which is money I moved out of Ally earlier and resent to Ally, but as stated in my feedback and on the very terms Ally sent the CFPB, this is considered new money ) Item :XXXX Amount : {$100000.00} XXXX From Account : XXXX XXXX  XXXX XXXX Ending In:XXXX To Ally Account Ending In:XXXX
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have recklessly failed to follow reasonable procedures to ensure the accurate reporting of my credit under the FCRA Notice on the Equifax Information Services, LLC wrong information as to # 2 ( You have too many delinquent or derogatory accounts ) only. 

In addition, I contacted both agencies ( XXXX and XXXX XXXX ) in regards to the recent reporting of my credit report. I attempted to get credit with XXXX XXXX and XXXX  XXXX XXXX. Both creditors reported back the following on or about XX/XX/2021 1. Balance on your accounts is too high 2. You have too many delinquent or derogatory accounts and ; 3. The total of all balances on bankcard or revolving accounts is too high.

This information would be totally old and incorrect. I have no balances on any of my revolving accounts and havent had any for more than 60 days.

Misreporting such information after being made aware willfully and/or negligent violates Section 1681 e ( b ) of the FCRA. Such action of delayed or failure to update reporting files in a timely matter also violates Section 1681 I of the FCRA. 

I was denied a mortgage and housing rental due to the negative and incorrect information provided by these two agencies. The information being reported to creditors is old and outdated by at least six ( 6 ) to eight ( 8 ) months. 

I am demanding that they correct the information within my report and provide me written notice that it has been corrected in writing.
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MA)

In XXXX my student loans were transferred from Nelnet to XXXX. 

XXXX increased the amount due by approximately {$19000.00} in collection costs and penalties. 

My balance went from approximately {$35000.00} to {$54000.00}. 

The loans were then transferred back to Nelnet for collection. 

I disputed the debt on XX/XX/XXXX. See attachment. 

I also requested an administrative review pursuant to 34 CFR 682.410 ( b ) ( 5 ).  The request was made on XX/XX/XXXX. See attachment.. 

Nelnet ignored both the dispute letter and the request for review. 

They proceeded with collection. 

On XX/XX/XXXX they filed a negative report to XXXX and XXXX. 

On XX/XX/XXXX they filed another negative report to the same credit agencies. The report is also attached. 

Collections should have stopped upon receipt of my dispute letter and an administrative review should have been conducted upon the XX/XX/XXXX request. 

Instead Nelnet ignored the federal consumer protection laws.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2018-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I received a letter from the law firm XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX stating my account from Capital One had been referred to the law firm for {$1200.00}. I mailed a written request for validation of this debt on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX stating that my account was originally opened on XX/XX/XXXX and that their client has verified that the balance is correct and copies of billing statements from XX/XX/XXXX through XX/XX/XXXX. The problem is that I had two accounts with Capital One. One opened on XX/XX/XXXX and one opened on XX/XX/XXXX. These accounts had two different account numbers and two different amounts charged on them. The one that the law firm stated in their verification that was opened on XX/XX/XXXX is not the account number listed in any correspondence from them. The law firm filed suit against me on XX/XX/XXXX concerning this amount owed except I don't know which account it is since the date opened and account number do not match.
Consumer complaint received 2023-01-31
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. (UT)

As XX/XX/XXXX I've called and spoke with customer service about a fraud that put on my account by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account # XXXX this company stated the account was open in XX/XX/XXXX I have told the agent was a victim in of fraud in XXXX as well and I assured they would ask for documentation of proof and today I received and email stating it's Verified as accurate.I request TransUnion to provide Proof of certified documentation of accuracy of this update to my credit file. This collection company is not licensed in my state nor did this company send my a letter of dispute by mail. I request proof of signature and proof what address when this account was opened.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

Today I called Wells Fargo Customer Service, The call was to request a service fee credit of {$10.00}. They approved this and credited my account for {$10.00}. What this complaint is about is that during the initial call they denied my request and asked me twice and somewhat forced me to answer the question that they asked as part of the terms and conditions the customer service representative was reading " we declined your request and I need to know if you accept or decline the XXXX {$0.00} offer. '' This is the most absurd legal question especially for someone who has had {$0.00} cents in my account for 6 weeks and simply called to ask for some leniency on the service fee of {$10.00}. Futhermore, When Wells Fargo or others hacked my accounts multiple times from XXXX, XXXX XXXX, XXXX or internally at WellsFargo. Unsure as my multiple complaints to WellsFargo were unresolved, closed and some monies unreturned and it took several months to resolve the Identify theft. When I was forced to change my username and password I then was forced or asked to accept literally 130 pages of terms and conditions that had links inside to multiple other terms and conditions simply to change my log in and password from identify theft. This I believe is a result of XXXX XXXX and or XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX or internal folks at WellsFargo. My previous complaints were discussed in detail with Ms. XXXX XXXX, Executive Customer Service ( XXXX ) XXXX about these issues and fraud multiple times. THIS NEEDS TO BE REPOTED TO WELLS FARGO GENERAL COUNSEL. IT IS ACTUALLY LEGALLY FRIGHTENING FOR ME TO BE FORCED TO ANSWER A QUESTION " DO I ACCEPT OR DECLINE A {$0.00} OFFER ''. MY ANSWER WAS I NEITHER ACCEPT OR DECLINE Regards, XXXX XXXX XXXX
Consumer complaint received 2019-03-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Was put on a nine month rehab program, completed it and was charged {$13000.00} additional interest along with a {$6000.00} fee after completion and they kept taking off the once one driven repayment plan before the renewal one year time was up and was not allowed to regain it along with being told call the Deparrment of Education to ask them to take off the additional interest. Asked numerous times to send me the forms in the mail to reinstate for income driven repayment plan and never received anything. Then started getting 10 robo calls a day from unknown numbers along with Navient, XXXX   calling and harrassing me with nonstop daily calls leaving message or voicemail with someone talking so fast noone could understand. This is ridiculous and illegal and harassment
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

On XX/XX/XXXX, I submitted a request for mortgage assistance to LoanCare. On XX/XX/XXXX, I was informed my application has been deemed complete and they will be assigning an underwriter. On XX/XX/XXXX, I was then informed they needed additional documents which were faxed. On XX/XX/XXXX, I received a Notice of Trustee Sale for an auction sale date of XX/XX/XXXX to much my surprise because I am aware of the XXXX and that appeared to be dual tracking. On XX/XX/XXXX, I was advised that all documents have been received and my application was again in review with underwriting. Called again on XX/XX/XXXX and was advised more documents were now needed, submitted the requested documents on XX/XX/XXXX. As of today, XX/XX/XXXX, I am now being told that my documents were received back on XX/XX/XXXX, however, because the sale date is scheduled for XX/XX/XXXX there is now suddenly not enough time to review my application. I have never been assigned a designated point of contact with LoanCare and they proceeded to file the Notice of Trustee Sale while reviewing me for loss mitigation. They have all the documents they need are are being completely unfair by telling me 3 days before my sale date now that suddenly there is nothing they can do!
Consumer complaint received 2018-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I have been in on an income driven plan for 10 or more years through AES. I'm being told only my last 10 payments count toward forgiveness. I was told i was in the " correct payment plan '' for forgiveness. I've been in public service for almost 20 years.
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (WA)

XXXX XXXX XXXX XXXX XXXX. 

These con artists improperly used our confidential company information, ran multiple credit reports, used out bank information to take unathorized withdrawls from our accounts, and never ONCE contacted us. Even after we had XXXX get involved they continue to take money from our account without notice or reason. We have tried repeatedly for months to get them to close our account and remove all information from their system as we do not want anything to do with them. They do not return calls and they continue to steal. They " sell '' a multitude of products that they don't actually offer or support. 

There is not one single legitimate aspect to this business. 

Avoid them at all costs, do NOT give them any information