davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
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)

Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my brother/sibling, under his name, on XX/XX/XXXX is still being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my brother/sibling, XXXX XXXX. I did not cosign this auto lease. I was simply used as a reference by my brother/sibling. It is NOT a joint account. XXXX XXXX XXXX fraudulently opened the account under my name. According to my brother/sibling, XXXX XXXX, the auto lease is incorrectly being reported as a joint account and should be reported as my brother/sibling ( XXXX XXXX ) being the only individual responsible for this account. 
I contacted XXXX XXXX XXXX and asked them to remove the account from my credit profile. According to XXXX XXXX XXXX, they can not see the account being reported under my name and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into the fraudulent XXXX XXXX XXXX account. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the account. ( Do not send me anything via US mail. ) If you find the account referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this account was not FRAUDULENT being reported and that it belongs to me, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT account reporting. 
Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2019 a consumer report from mystery shopper from the program updated on spam list of emails was reported a lead tipper in financing debt from XXXX cards of infractions of XXXX dollars at a time. the institution revised a debt consultation of board of member to asset the amount an fund the sum in access to the debt collector for shopping compromises sent by domain email subcribers that reported to the family to destruct criteria in the amount proposed as a scam in debt. in the amount the the collection agency was deemed to have paid from the claim and left a revised attempt to collect the debt.
Consumer complaint received 2019-07-09
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. (TN)

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 prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. These are the items that are still existing on my credit report and need to be removed, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX. XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Once I realized in mid XXXX that my 4 accounts were reduced to 3 accounts with XXXX   student loan company, i contacted them. First i was told it was still 4 accounts and that I am not due to pay any amount since my loans are on administrative for forbearance. Same year, I got a credit score report with my score plunging down due to derogatory reports from XXXX that one out of four loans was in charge off/collection. I started to make numerous phone calls, send emails and postal mails with dates. 

I would stay long hours on the phone to resolve the issue, I even disputed credit reports through the credit unions all to no avail. My credit score continues to be affected by this monthly derogatory report and am not able to qualify for any credits whatsoever because of it. 

I made many calls requesting that my one account gets moved back to the current accounts like my 3 other accounts. I sent so many emails until they stopped accepting emails from me and I would get undeliverable messages from XXXX. I do not know who else to go to and what else to do. Legal actions do take time and money so I was advised to file a complaint through this website. 

The last time I tried to solve this was Friday XX/XX/XXXX on or around XXXX. I spoke with XXXX XXXX then XXXX XXXX, then XXXX XXXX who went through all the payments and determined that the error was made in the manner they split my payment. 

I always made one consolidated payment for my 4 student loan accounts that is sending only one payment. According to XXXX, she determined from her search that at sometime in XXXX of XXXX they made the mistake and missed one account when they were crediting all 4 accounts. 

According to XXXX, she said that in XXXX, they reported the account since it was in collection/charge off to credit reporting agency. XXXX finally indicated that this can be fixed since she is able to locate the reason and it can only be done by customer service. XXXX XXXX then transferred me to customer service escalation team rep XXXX XXXX to fix the problem. XXXX said she will contact the necessary departments and get it resolved by pulling it out from collection/charge off. 

I have continued to be in contact with XXXX staffs and no matter the promises I got that it will be fixed, it was never done. I plead that you help me resolve this as my credit score has been bad for years because of this monthly reports. In addition to these derogatory reports, the loan amount continues to increase. I even sort an attorney to discuss this, after the attorney reviewed all the files I sent to him, he wrote them and was on the phone with me and them in XX/XX/XXXX when they said it will be resolved by customer service escalation team, XXXX.
Consumer complaint received 2019-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NV)

Hello, For the past 9+ years, I have been struggling in dealing with Navient about the information of my student loans. Over the past five years, I have been under the impression that I was on a 10-year repayment plan. I was told be several representatives that I would have my loans paid off within 10 years but to my surprise, I was misinformed. I asked for there assistance in finding a repayment plan that would be best for my needs, with have XXXX kids/supporting a family. I was told that I had to call Student loans.gov when I found out that I had been misinformed about by debt and repayment plan. In actuality, my debt had doubled due to the interest and the type of loans I had and I was not informed about this happening when I directly ask the representative. Today I called Naveint customer service to obtain more information about my loans and why my payment had increased without any contact from their office. The replay I received was short and was never answered, again I was referred to call student loans.gov. I ask if I could change my repayment play to another and I was told that the standard payment plan was in the best of my interest and I would have them paid off in 10 years but this also was untrue. I have now filled out an application to consolidated my loans and move to a different provider. Please if there is anyone out there who could help me I would greatly appreciate it. I can not afford to pay for the ridiculous amount of interest that has occurred because I was misinformed by Navient 's representatives.
Consumer complaint received 2019-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-09-23
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX After setting up a payment arrangement XXXX has been harassing over the phone. They have not provided an accurate assessment of the loan or provided accurate documentation. They did not respond to the loan discharge request in writing. They responded with an unsigned promissory note. They threatened to put me back in garnishment, for refuting the increase in the loan borrowed amount. They did not provide any information in regards to the amount owed.
Consumer complaint received 2019-07-09
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. (TN)

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 prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. These are the items that are still existing on my credit report and need to be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-07-09
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Action Financial Services, LLC (CA)

Action financial Services LLC is illegally garnishing my pay check about some student loans im not aware about. This is a collection agency which is illegally im a victim of identity theft, please help me resolve this issue and collect my money back. 
phone number XXXX.
Consumer complaint received 2019-07-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC. (AR)

I received a call on XX/XX/XXXX but it went to my voicemail. I decided to listen to the voicemail today XX/XX/XXXX. So, I called the company back not knowing any details besides a threat was left. I wanted to know what it was regarding. The man at first hesitated in telling me any information. He then verified the last 4 of my ss # and my old address. He rattles on and tells me that he is with HSBC ( collections for credit card ). He told me that since I did not respond litigation had been pursued against me. I advised him that I never received a letter because I no longer live at that address so I dont know how this is possible. I havent lived there since XX/XX/XXXX. He began to become very rude and said,, Well, Our attorney will see you in court. We can seize your car anything else. I informed him I have not worked since XX/XX/XXXX due to me having a XXXX XXXX XXXX XXXX and XXXX XXXX. I advised him that I was trying to get social security. He didnt care, no empathy, no compassion just rude and threatening to take my car which I dont pay the note. I dont even drive it due to me staring to have XXXX. I deal with XXXX, XXXX and XXXX. I have Medical documentation of my diagnosis. I told him I dont have a job and you can not get blood from a turnip. When I was working I paid all my bills, but Im not in a position to do so. Threatening me caused my XXXX to kick in and triggered a XXXX XXXX which I see 2 XXXX for. XXXX  is a trigger. I have nothing. The amount could not be any more than 600.00. Just lie they want to sue me ; I want to sue them for harassment, emotional, mental abuse and threatening me. Its a way to talk to anyone. I have XXXX  so I could not drive if I wanted to which is documented in my medical records. I dont have a one to bring me to court over 600.00 when Im fighting to survive the issues Im going through. So now they expect me to jeopardize my life and others never knowing when a seizure may come on. I take med daily that knock me out for the XXXX XXXX. I have them daily ( night, middle of the night and when I wake up. The agent was just really rude and hung up in my face. He said they were a credited with the credit bureaus which is a lie. I have nothing no money on the bank ... .NOTHING. If O could steal work I would and pay this debt but I cant. I wonder if he could feel what I feel would he treat me differently?

XXXX XXXX XXXX
Consumer complaint received 2019-07-09
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. (VA)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I still see items that aren't mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf, I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX.
Consumer complaint received 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (OH)

I have been trying to receive a refund from Aidvantage, prior to applying to student loan forgiveness. I first contacted Aidvantage on XX/XX/22 about receiving a refund via direct deposit, for loans that I have paid off during the loan freeze. I did not receive any sort of paper trail of the discussion even though I asked for an email confirmation detailing the refund request. I called again XX/XX/22 to ask for an update and an email confirmation of my refund request. I was told it would take 4 weeks to reveive the refund, from when I put in the request, yet I have not receive a refund. My balance has not been updated either. I also never received an email confirmation of this call. There has been zero communication nor updates on behalf of Aidvantage.
Consumer complaint received 2015-12-22
Product: Credit card — 
Issue: Payoff process — 
Company: TD BANK US HOLDING COMPANY (AZ)

I obtained a " XXXX Card '' credit card from Target stores. I believe the card is owned by XXXX. I 've been trying for over a week to pay my balance of {$84.00} but they wo n't allow me to pay in cash or credit card. And are now attempting to collect late fees on the money they refute to accept. I moved and am changing banks and been asked repeatedly for my routing number. I do n't have a number for them until I have a permanent address. I 've bee told, after hours on the phone, three times to visit Target 's customer service and pay my bill with cash or credit card. I was even given a reference number to use. They have told me, by phone, I owed {$86.00}, then {$130.00}, then {$84.00}, then {$110.00}. Yesterday I was at target 's customer service on the phone with XXXX for 2.5 hours. They will not accept my payment and are in the process of charging me late fees, even though they are the ones not accepting payments even of cash.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Letters were sent to XXXX XXXX, and Experian regarding inquiries on my credit report that I do not recognize. The letter was sent XX/XX/2020. I have not received a response as required by law. Please remove fraudulent information as soon as possible.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (CO)

They told me I had to 9 dollars just to make my payment when I was in the phone with Them. I refused to pay them 9 more dollars just so I could pay them. I told them I would not pay that 9 dollars for that. Everything I was as they say late I wa never over 30 days late ever. Check my payments wirh them and the dates. Never 30 days was I late.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

I was scammed by a fake remote job position. They ( scammers ) sent me a check to deposit ( which I printed ) and XXXX deposited on my mobile wells fargo account. Later on, wells fargo posts the XXXX in my account as available. Thats when I XXXX  the scammers back the same amount for them to bug me a laptop, and different softwares ( I have screenshots and a statement of the real company identifying the post as a scam and that XXXX more people had called about the same fake online job. Furthermore, Wells fargo retires the amount of the check from my account and I am left with minus XXXX dollars. They send en email saying that because of quality issues the check wont go through. I talk to the scammer and realize it was a scam. 

I called wells fargo and eas told that I would get my moeny back in about 9-10 days. 17 days later I call to see whats going on, they inform me that my case was closed 4 days after and I opened my claim and was NOT notified about it. I reopened the claim, because I used XXXX for them is not fraude, but they tood me I would have my money back and did not inform me about closing my case. 

LATER ON, more than 3 weeks later the scammers are able to hack my wells fargo account and send themselves 2k more than five times ( only one went through ), I was not notified of any suspicious activity and had to close my account and open a new one as well as change of XXXX and XXXX.
Consumer complaint received 2016-12-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I purchased tickets to an event through XXXX XXXX in XXXX 2016. On the day of the event in XXXX I was not given the full access to the event I had paid for. I disputed the sale with my credit card provider, Fifth Third Bank. My goal was to receive a small percentage back from XXXX XXXX. 
The last correspondence I have ever received from Fifth Third Bank pertaining to this issue was dated in XXXX. This letter stated that the dispute was settled in my favor and {$330.00} was to be credited back to my account. 
This amount, nor any amount, was ever credited back to my account. I called Fifth Third Bank numerous times only to be told on each and every occasion that I would be contacted " within the next 48 hours '' to address the situation. 
NEVER HAPPENED! 
After a few months of this " run around '' I finally filed a lawsuit with the judicial system in XXXX County, Illinois. Even though Fifth Third was served with the paperwork for this case filing they made the decision to ignore the court summons and DID NOT show up in court. Subsequently I was awarded a default judgment in the amount of {$1000.00} plus court costs in XXXX of 2016. 
Although Fifth Third made it extremely difficult to find the correct department to forward the judgment paperwork to, I was finally able to fax the documents to the correct department. 
Within a week of receiving my faxed paperwork I was contacted by a Fifth Third Bank Attorney who initially told me that they would not pay me the full amount and if I did not settle for the considerably lesser amount, Fifth Third Bank would go back to court and file paperwork to have the judgment vacated. I told the Attorney this was not acceptable and my expectation was to receive the entire amount of the judgment plus court costs. This phone call took place on XXXX XXXX, 2016. 
On XXXX XXXX, Fifth Third Bank, through their Attorney, made the decision to finally bring to a conclusion this issue which they had dragged out for more than 7 months. The decision was made to pay me the total agreed upon amount of {$1200.00}. 
As of the writing of this statement on XXXX XXXX, 2016, I have still not received any of these monies. 
FYI : Because I have very little trust for Fifth Third Bank and their agents, each and every phone call since this issue has arisen has been recorded. These audio files are available upon request.
Consumer complaint received 2024-03-28
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

UCC filing number indicates this account has been liened by the Registered Owner and Capital one has not performed taxation to complete the transaction but are fraudulently reporting and fraudulently reporting taxes with billing errors. A filed 1099 A was accepted by IRS yet Capital One is still committing fraud by usage and abuse and debtor name filed under UCC. If CFPB XXXX XXXX continues to neglect this matter a XXXX, XXXX and XXXX will be filed for security fraud, conspiracy to commit security fraud, and every other violation on our Private Fee Schedule under UCC, FCRA, Equity Law and Trust law for extortion of our property and for any deprivation or anguish suffered by our beneficiaries and/Trustees due to the misconduct and criminal behavior. XXXX XXXX has been sent several remedies as well as warnings and persist on committing fraud by using, trading, and extorting the debtor name on the account as well as the account.