davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
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: Millco Management (PA)

Hello, there was several bills that was place on my credit that I have disputed to be remove off. Two of the bills for the amount of {$370.00}. I have no knowledge of these bills. I stated to the credit bureau and also the collection agencies about these two bills. They still haven't removed these bills from XXXX or XXXX. I have a medical bill for {$1200.00} which was not my fault, it was the hospital mistake. They sent my lab work to unauthorize XXXX with my insurance did not approve. I had made several complaints about this issue with thr insurance agency, the hospital, and my doctor 's office and still the bill is still on my credit for me to pay. I would love for these bills to be remain of my credit immediately thank you. 
I'm total lost with these bills.
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I sent {$240.00} to a XXXX XXXX via XXXX through my Wells Fargo account for purchasing an XXXX XXXX XXXX XXXX from the XXXX XXXX. He was supposed to ship the watch the next morning. I never heard from him again after sending him the money. On XX/XX/XXXX, I filed a claim through Wells Fargo. On the morning of XX/XX/XXXX, Wells Fargo informed me that they denied my dispute.
Consumer complaint received 2022-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I am working towards PSLF. Several of my federal loans ( loans XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) have not received credit for eligible payments I made during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these four months my loans were in active repayment ; my loans were NOT in forbearance/deferment ; my then monthly payment was {XXXX} based on my income ; my employment has been certified for those four months. 

Those four months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) are counted as eligible payments for my following federal loans : XXXX XXXX XXXX XXXX. It is accurate and correct that these four months should be listed as a PSLF eligible payment for all of my loans. It is incorrect for only loans XXXX XXXX XXXX, and XXXX to receive eligible payment credit for these four months.
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

I have sent letters on XX/XX/2023 to all 3 credit agencies stating this specific collection on my credit is FALSE and is not mine. I have also have been disputing this off my credit since it just magically appeared in my credit in XXXX of 2023. I have absolutely NO knowledge of this collection. I tried calling the company who put the collection on my account their line is disconnected. And there are MULTIPLE reviews on their site stating the company is fraudulent and puts false information on people credits. I have done EVERYTHING possible to get this removed from my credit this is hurting my credit score.
Consumer complaint received 2017-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NM)

I have been harassed by conns, specifically by a woman named XXXX. I have been having a really hard time with cash and have not been able to pay my bill since XXXX 2017. XXXX XXXX has been calling multiple times every day for three months now. I have told them many times I do not have money, yet they will call me hours later asking for the payment again. Today they called me four times. Three times after I told them I did not have money. They call my parent multiple times while they are at work, as well as other family members. I have asked then not to call my family especially because they bug them while at work, and my mother is a doctor and can not have bill collectors calling when I have told conns I can not pay. I have asked conns to send it to collections. XXXX today said " good people pay their bills '' implying we are not good people and making derogatory comments. I have asked her to stop calling repetitively and she replied saying no she will not stop calling.
Consumer complaint received 2017-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (NV)

XXXX XXXX in XXXX TN is charging me membership fees that I do n't owe. In XX/XX/XXXX I opened a two memberships at {$20.00} bi-weekly each on a one year contract. In XX/XX/XXXX I went in to tell them I did n't want to renew in XX/XX/XXXX, the attendant noted it to my account in the computer. On XX/XX/XXXX I called to make sure that my membership was terminated on time and I was told that it was. But, instead they charged me a maintenance fee of {$39.00} for the next full year and continued to charge me for membership fees of {$40.00} a month. I told the person on the phone that I had asked for my membership to be canceled, not to go month to month. I did n't want to renew because I did n't like the gym. I was told to bring in a letter to cancel even though I did n't have a contract. I took the letter in the next day and they refused to take it. They said I had to give them a 30 day notice in writing, in which I had in my hand that day. They said I had to pay for the next months fees for the 30 days, even without a contract renewal. I argued with them that all I wanted them to do was stop billing me for usage, because I was n't coming to the gym anymore. I cancel on time at the end of my contract. I had paid all my membership fees during my contract, but they refused to accept my membership expiration date. I then went to my bank and ask them to block the automatic debit card payments on my account. I submitted a claim with my bank, told them what happened and they investigated and refunded me the payment transactions that XXXX XXXX had made past my expiration date of my contract. <P/>XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has place a collection account on my credit report for {$240.00}. I do not owe XXXX XXXX any money. They have been paid in full as of XX/XX/XXXX
Consumer complaint received 2023-06-27
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. (TX)

During the process of us struggling making payments we had to do a forbearance on our loan due to loss of job during the pandemic. We eventually had to do a modification loan in order to keep our house. The credit bureau is showing late payments were made during the forbearance and modification process. 

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 USC 1881. 

This is inaccurate. Please remove these errors from XXXX, Equifax, and XXXX that shows we have been late. 

Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX. 


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 a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (AZ)

I have an account with the company XXXX XXXX. Its supposed to be a secure wallet that they advertise they have no access to your funds. Your keys your crypto. Iv been in crypto daily and have several accounts on several different platforms. This being the only one to have this issue. Iv got to pay taxes on this account and it shows several times that hundreds of thousands of dollars was sent and received into my account. Proven on XXXX. In the form of BNB. The issue is the money has never show up and the coins arent there. This has happened 3 times. Iv sent emails to support and no response. I would expect to see my coins in my wallet if they where sent to me and showes a taxable transaction for me. Thats money laundering and Im the wrong one Im very crypto fluent from the tax standpoint. And you cant change the XXXX so XXXX XXXX is false advertising that they cant access your wallet. Thats a lie there was a hack and the hackers sent the coins to every address on a certain blockchain and we all received coins. Then the coins disappeared and was reported trXXXX XXXX returned the coins. That showed me they have access to your personal wallets. I cant pay the tax on this
Consumer complaint received 2017-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

WellsFargo has  locked me out of my online account. I can no longer access any of my accounts or funds. They have changed their story multiple times as to why this is happening. My account username exceeds all their security requirements. I have had this name for 14 years without any issue and it has never been comprised.
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP (WI)

This is a second complaint to XXXX. 

Again I am stating that I do not owe anything regarding this judgement. I am able to confirm that this was in fact one of the items that was fully discharged in a XXXX bankruptcy. 
After my information was exposed in early XXXX then again with an XXXX data breach in XXXX I have been consistently having to dispute claims that been resolved or severely inflated due to fraud primarily from debt collectors who have repurchased these items. This makes me question the validity of how they come across my information because every time I receive a Dark Web monitoring alert it is usually followed by some bogus claim from a d ebt collector or attorney that I wind up having to dispute.

Again this claim was settled and discharged with a bankruptcy in XXXX. I continue to go through this with both my student loans due to fraud and with collection agencies that are purchasing these debts that were already settled and resolved. I demand to know where this debt was purchased because the information and validation of debt are not correct. I highly doubt that for 15+ years and several jobs in between this agency was unable to contact me regarding notification of a debt they claim is from XXXX or XXXX, so the matter could have been resolved in a timely manner. 

I never received ANY information regarding a hearing in XX/XX/XXXX about this either or would have gladly attended court to dispute this then. I received no notification of a hearing!! Yet this agency certainly had my recent address because once the hearing was over they were able to mail the final documents to the me. 

I am extremely frustrated with the unethical and deceitful practices that I have had to deal with from these agencies and how they continue to try and take advantage and misuse personal information. I have every intention to continue to dispute all of these false claims and fraud that continue to randomly show up in my name.
Consumer complaint received 2022-04-11
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help
Consumer complaint received 2022-07-10
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXXR account # XXXX, XXXX  account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # 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
Consumer complaint received 2018-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC (VA)

PMAB , LLC has been adding new debt to my credit for over 6 years. They have taken debt off and added new when it has expired over the statue of Limitations. The original debt on the amount of {$780.00} has been disputed and has not been removed -Insurance was sent as proof and nothing has been done about this.

I had insurance to pay for this old ER visit and need this off my credit.
Consumer complaint received 2024-03-08
Product: Credit reporting 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. (TX)

XX/XX/XXXX To whom it may concern : I need your professional assistance. 

I am finding that no matter how much Present Positive credit information the credit bureaus should be reporting to my credit files monthly, they have refused to update my credit files with this information, and they are not raising my credit score accordingly. 

Instead, they are allowing old creditors that I have had nothing to do with for 5 years, the bureaus are allowing these old creditors to destroy and slander my name, and Present credit rating, by going along with them and falsely placing untruthful derogatory old account information onto my credit files. 

The bureaus are unjustly keeping my credit scores low, and they have caused my Present Creditors to lower my credit limits, due to the fraudulent false lies that they are reporting to my credit files, by RE-AGING, old False Derogatory, Negative Payment, and Account Status information from the old 5-year-old accounts. 

The credit bureaus have old XXXX accounts, being made to appear as if I have Brand New Collections, and Brand New Charge off accounts, as well as Past due payments, AND NONE OF THIS IS TRUE. 

For years I have had to go through this, every year like clockwork the credit bureaus continue to do this, just as they have already done for the beginning of this year XXXX. 

My credit files and credit scores have been further ruined by the wrongful false fraudulent RE-AGED DEBTS, AND ACCOUNTS that the credit bureaus continue to update as though they are new. 

This has happened so much, and for so long, that it is so obvious that this is being done deliberately. 
And this is why I am seeking your assistance, I have an excellent payment record, and the credit bureaus are deliberately not reporting my accurate credit rating information, and as stated they are deliberately keeping my credit scores in the low 500s, thereby keeping me from conducting financial transactions that I should be free to make, like any other consumer. 

Every month I pay a mortgage, and other debts, and it is only fair that my credit reports reflect the true history of my payments. 

Not the made up lies that are being reported to keep me down. 

I would like to have someone at the credit bureaus in an upper managerial position to investigate the abuses that have been continually being done to my credit files.
Consumer complaint received 2017-06-23
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: Experian Information Solutions Inc. (IL)

This is a formal complaint regarding the wrongful re-instatement reporting of a collection for XXXX XXXX XXXX initiated by the following 3 agencies XXXX Credit reporting agency XXXX. XXXX XXXX XXXX, GA XXXX Experian credit reporting agency XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, WI XXXX This XX/XX/XXXX I discovered ( negative credit item and account number ) had been re-inserted into my credit file. They are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. <P/>XXXX had removed the collection from my Credit Reports on XX/XX/XXXX In XXXX of XXXX ( 2 YEARS LATER ) I was notified by my credit monitoring service that this same collection was re-added to my Experian and XXXX Credit reports. <P/>I was not notified of the reporting being reinstated over the 2 year period by any party at any time as per the FRCA requirement Cited below :
Consumer complaint received 2018-07-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (IL)

Re : ROTH IRA for a Descendant Have sent 3 Letter 's of Instructions over the past 8 months to close a Descendant ROTH IRA of over {$220000.00} and still have not received a check. 

XX/XX/XXXX and XX/XX/XXXX mailed and faxed Letters of Instruction to XXXX XXXX. " XXXX '' in the IRA Dept instead XXXX documents to transfer funds into an Estate Account. We do not want to do that. We want to close the account. 


XX/XX/XXXX Sent another Letter of Instruction. No response.

XX/XX/XXXX telephoned XXXX XXXX. " XXXX '' in IRA Dept stated that " no supervisor is available '' nor " no Manager on Duty is available '' and " XXXX '' could not assist. Then she found Supervisor " XXXX '', who refused to give us his surname, to be available. 

" XXXX '' said he is a Supervisor but could not assist us. We gave him our name, account number and telephone numbers. We await 48 hours for him to read the file and get back to us. 

Descendant passed away 1 year ago and to this date, we have been unable to close this ROTH IRA account. The Descendant 's two other accounts at XXXX XXXX were successfully closed.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (KS)

Wells Fargo did not honor {$250.00} account opening bonus on their  Everyday Checking product. After being assured I qualified, I was given final denial  over 2 months after meeting qualifications. On  XXXX   XXXX  was assured by rep of Wells Fargo issue would be resolved withi n one bu siness day. Today, the  XXXX  of  XXXX , was denied and told I was not part of their targeted group. You 'd think Wells Fargo of all banks would be eager to rebuild trust!
Consumer complaint received 2017-06-23
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)

my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as experian, XXXX and XXXX