davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I received the attached correspondence from Wakefield & Associates regarding a medical collection from original debtor of XXXX XXXX ( XXXX ) in the amount of {$60.00}. The attached Word document contains screenshots of the XXXX XXXX XXXX XXXX which shows I do not owe any debt and shows my payment from my XXXX account on XX/XX/2019. I contacted a Wakefield & Associates agent on XX/XX/2019 to inform him that this debt had already been paid but during the conversation the agent proceeded to tell me I owed more that what the attached correspondence showed ( recording attached ). I informed the agent that the only billing I received from XXXX XXXX was in the amount I paid but the agent persisted to which I invoked my right to tell the agent to cease and desist collection efforts. Again the attached Word document confirms that I have a XXXX balance and the XXXX XXXX billing agent states they received my payment but it was not credited to my account. This account should have never been in collections and therefore there should be XXXX entries on my credit report from Wakefield & Associates. I am hypersensitive to any negative credit reporting because my credit score has already been severely damaged due to identify theft. To date I do not see collection reporting from Wakefield & Associates but if there is I will immediately pursue litigation to include monetary damages.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX XXXX   interference. I have had it with these liars and they are nothing more than a bunch of incompetant twits NO EDUCATION and trumped up XXXX
Consumer complaint received 2019-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Unisa, Inc (TX)

I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms. I have emailed and mailed in the teacher cancellation forms but the company has yet to verify or even return any of my phone calls or emails regarding the cancellations forms.
Consumer complaint received 2019-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I have filed numerous complaints with EXPERIAN regarding XXXX, XXXX, and XXXX. I am now working with XXXX and XXXX to FINALLY remove the unauthorized accounts and information that has remained on my credit report since XX/XX/XXXX. Experian has refused to conduct a re-investigation and constantly responds with pre-drafted scripts indicating they are not authorized to reinvestigate. Experian then indicates that unless additional information is furnished they will not reinvestigate, however never indicating what documents are requested. I have successfully provided all legal information to both creditors and they are both actively looking to resolve this issue, however, Experian has yet to reinvestigate these tradelines and remove the inaccurate information. Their unwillingness to do their job regardless of how repetitive it may seem is the reason creditors abuse customers because they are aware that the credit reporting agencies fail to thoroughly investigate complaints. Simply asking a creditor if the account is valid is not deemed an investigation. In the case of XXXX, please have them provide you with any documentation with my physical signature. They can not furnish such a thing, because this account was opened online by a person who abused the power of attorney afforded to them while I was XXXX. XXXX is in possession of actual proof of XXXX status, along with legal documents from the responsible individual. What additional documentation will it take for EXPERIAN to actually do their job? Look at XXXX, who in XXXX of XXXX blocked my access to their site, and then proceeded to report me late for all accounts associated with them, yet every other month for years is PERFECT. Does that not seem odd? Yet, Experian has failed at accurately identifying these trends and the reason for it and allow companies to get away with this. How can I be responsible for charges I am unaware of? Prove to me the company made contact with me and informed me of these charges, you can't because they didn't. Why would I ignore two specific months and then resume with perfect payments? This is why investigative work is critical and should be taken seriously, I am in a very serious profession for the Federal Government. I will never as a professional, not do my due diligence and then refuse to reinvestigate when results are proven inaccurate and unexplained. Please furnish what information was obtained from all three creditors to validate these inaccurate listings, that clearly Experian has failed to actually investigate. Please inform me what additional proof is needed instead of requesting additional information. I will wait for a response, and if none is received I will be obtaining a lawyer to begin taking legal action as this has dragged on for far too long.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I called XXXX XXXX and told them I would like an extension to pay my XXXX and XXXX payments and they granted me an extension until XX/XX/2024 ( see attached ).

I paid both payments on XX/XX/2024 ( see attached ) and they have reported me 60 days late to all 3 credit bureaus and more score has dropped 40+ points as a result ... just a the time I am trying to re-fi and take some cash out, which I do not qualify for anymore as a result of theirs actions about this extension!
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (RI)

On XX/XX/2023, we contacted Chase by US mail describing in detail a problem we had with a purchase from XXXX XXXX. In short, the product had substantial defects and was missing parts that made it impossible to build ( this was a toy you had to carefully build before it could be used ). In our letter, we described how we made several attempts to obtain the missing parts from the vendor and asked to return the item for a refund. The vendor never responded to these requests. We disputed the amount of {$75.00} for the items. Chase sent us a form several weeks later requesting additional information, which we filled out completely and submitted back. 

Also on XX/XX/2023, we contacted Chase by US mail describing in detail a problem we had with six purchases from XXXX - XXXX. In short, we paid for software assistance however it ended up being a scam and we received none of the services purchased. The vendor verbally threatened me and my business and ceased responding to requests for a refund. We disputed the full amount of {$560.00} for the six purchases. Chase sent us forms several weeks later requesting additional information, but only for two of the six purchases. We filled out the forms completely and submitted them back. 

Today we received letters from Chase regarding these purchases indicating that they " found no evidence of a billing error based on our research and the information available to us. '' However, Chase made no attempt to contact the vendors or verify the claims in our disputes on our behalf. Additionally, the nature of the disputes are so egregious clearly warranting a refund that it is unlikely the vendor would even respond to a dispute if brought to them. Chase is in violation of the XXXX, having made no investigation into our claims.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is currently under litigations as a result of the company mailing missing statements from original debtor failing to prove the claimed amount of {$1600.00}. The original debtor ( XXXX XXXX  ) credit limit was {$300.00} therefore, XXXX XXXX has illegally added fees to increase the amount due. I have filed several disputes with Experian and they have failed to remove this collection due to false information being reported on my credit report.
Consumer complaint received 2021-02-15
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. (TX)

XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX Balance : {$2400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MA)

On XX/XX/XXXX, GM notifies me of technical difficulties in not reporting to bureaus from XX/XX/XXXX. They also stated that " None of GM Financial 's customers credit was negatively impacted. '' This is not true. My bureaus had not had any payments listed since XXXX, XXXX. I contacted GM on XX/XX/XXXX for an update & request a credit letter because I received a letter from my credit card company ( which was paid off ) stating that they are closing my account " since I don't pay my bills. '' Since GM was the only account I had open but not reported, I can only assume it was them. I was told my account was scheduled to be updated by the end of XX/XX/XXXX and that they would fax the credit letter over -- it never came. I called again 3 more times, spoke to supervisors, all to get the same answer. On XX/XX/XXXX, a fax arrived but with someone else 's information. This has been ongoing since. Of all the Bureaus, 2 show my account as " closed '' and 1 is " open '' and GM blames the bureaus. My credit rating has been severely impacted and still is to this day. 

The issue is the comment GM has added to the account ; " Chapter XXXX Bankruptcy Dismissed ''. My car was not apart of the bankruptcy and if this information triggers the account to close. When it is removed the accounts is open again. This have been going on for almost a year and a half impacting my credit reports. I finally had to send an e-mail to the CEO of GM Financial with documentation showing that when the information was added to the comments the account became closed and once it was removed it opened again. This worked until they recently updated my bureaus and the remarks were added back in again. My scores look like a EKG reading.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (LA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and XX/XX/2019 ( All 3 Bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2022-09-16
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)

This is my COMPLAINT to tell you AGAIN that I am a victim of identity theft and 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 IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPT OF EXXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XX/XX/XXXX to eliminate any financial penalties (late fees, credit worthiness) after suffering from an unfortunate and unforeseen life event leaving me with a $XXXX bill. I was assigned to XX/XX/XXXXTay who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehle’s bank couldn’t process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasn’t correct. I called XX/XX/XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially (reporting and fees) and she stated it would not. If she had responded to questions differently (accurately) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist (XX/XX/XXXX Tay) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with (&was told this would be the agreement I needed to honor for 12 months) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided  full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately
Consumer complaint received 2022-09-16
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. (IL)

This is my COMPLAINT to tell you AGAIN that I am a victim of identity theft and 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 IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; U S DEPT OF EDXXXX XXXX XXXX : {$4700.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

I opened an account with Chase Auto in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9  months early. 
I received a letter from Chase in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now chase reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the Chase Auto Bank to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off my account.
Consumer complaint received 2019-09-18
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. (NJ)

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. I DID NOT AUTHORIZED THOSE TRANSACTIONS, PLEASE HAVE THOSE INQUIRIES OFF MY CREDIT FILE.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

PLEASE SEE ATTACHMENTS ASSOCIATED WITH THIS COMPLAINTOn XX/XX/2015, I presented a US Government Check drawn from my Thrift Savings Plan ( TSP ) Retirement Account for {$8000.00} ( in person ) to my local Wells Fargo branch. I had WF deposit {$1500.00} into my checking acct ; of the remainder, {$1000.00} was deposited into my savings ( as CASH ) and the rest I took, as CASH. At the time of this transaction my checking acct was overdrawn-the balance was - {$210.00}. Since that date, I made a cash deposit via ATM of {$300.00} on XX/XX/2015 into my checking AND another Deposit of {$600.00} via transfer from Savings on XX/XX/2015 ( i.e. it was treated as a cash deposit XXXX into my savings acct. During that same period BUT AFTER THE INTITIAL DEPOSIT OF {$1500.00}, I initiated and authorized XXXX ( XXXX ) debit transactions of {$35.00}, XXXX, {$62.00} & {$560.00}. My complaint : WF placed has placed a hold on funds in my account in the amount of {$7800.00} ... the amount of the check that was returned to me as cash ; The length of the hold is ten ( 10 ) days and the cite the reason for the hold : that I had overdrawn my account more than once in the previous six ( 6 ) months ... which is true. However, they are also holding the cash amounts deposited during the period of XX/XX/2015 thru the present ( {$600.00} & XXXX ) ... which makes absolutely no sense to me for XXXX reasons : First, they were CASH desposits ... how can you place a hold on cash? Second and just as relevant : Back on XX/XX/2015, I went into my local WF branch, again in person, and presented a US Government check, drawn from same source-my TSP, but in the amount of {$16000.00}. While my account was NOT overdrawn at the that time, it HAD been overdrawn within the past 6 months. Yet when I asked for an explanation as to why the checks were both treated so radically different, all I can get from the telephone bankers is the same stock reply : " your account was ocverdrawn in the last 6 months. This concerns me greatly because, even if they were to hold the amount of the check deposited most recently, the CASH deposits I made from XX/XX/2015 thru the present are more than enough to cover the debited transactions made during that period ... yet WF is determined to disregard the CASH monies deposited as well as the check ... an action which will cause me to incur at least for separate overdraft fees of {$35.00} each. 
I am well aware of the multiple overdraft history on my account prior to XX/XX/2015 ... and have had absolutely nor problem with paying the fees associated with those transactions - they were incurred by me, knowingly and I never disputed them. 
But this recent series of events indicates, in my mind, a clear willingness of WF to simply disregard their own rules ... .and subject me to Overdraft fees in a manner that is obviously arbitrary and definitely inconsistent with their past practices.. WF is disregarding their own rules - this is, in my mind, unfair and absolutely without merit.