davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I received a bill dated XX/XX/XXXX from myfedloan stating I owed {$290.00} on XX/XX/XXXX. The breakdown of that bill is as follows : Loan Disbursed XX/XX/XXXX current due amount of {$73.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$69.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$43.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$0.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$100.00}. 
Loan Disbursed  XX/XX/XXXX current due amount of {$0.00}. 

On XX/XX/XXXX I made a payment of {$330.00}. The break down of that payment is as follows : Loan Disbursed XX/XX/XXXX payment of {$73.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$69.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$43.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$0.00}. 
Loan Disbursed XX/XX/XXXX payment of {$100.00}. 
Loan Disbursed  XX/XX/XXXX payment of {$39.00}. 

ON XX/XX/XXXX I logged into my online account and saw a warning message informing me that my loan which originated on XX/XX/XXXX for an initial amount of {$2300.00} was past due. The bill I received said that I did not need to make a payment as it had my current amount due at {$0.00} so I did not make a payment toward that loan. 

I called myfedloan on XX/XX/XXXX and spoke with a male representative who told me that I was past due and I needed to submit a payment of {$47.00}. He could not explain to me how this loan went from being paid ahead to past due. After I hung up with him I submitted an additional payment of {$47.00} to Loan Disbursed XX/XX/XXXX to avoid a negative mark on my credit report. 

I received a letter dated XX/XX/XXXX from myfedload stating that my loan terms had changed and that I was no longer on the Graduated repayment plan, but moved to the Standard repayment plan. I never requested or agreed to this change in my loan terms. 

On XX/XX/XXXX I called myfedloan and spoke with XXXX employee ID XXXX at extension XXXX. I asked her to explain to me why my term loan had changed. She was unable to figure out why the terms had changed on the 57 minute call. She told me she would research and call me on XX/XX/XXXX. I did not receive a call. 

On XX/XX/XXXX I called XXXX and ask her to explain to my why my loan had changed. She stated that it had changed because I was paying ahead on my loan and the system automatically changed my loan terms. I asked her to provide me with any documentation or proof that showed I agreed to allow for my payment plan to be changed. She stated she would email this to me. I currently awaititing for this email. 

I never agreed to change my loan repayment plan. I was never made aware that my loan could autmatically change repayment terms if you pay ahead on your loans. 

My loan repayment plan should have never changed. I would like my repayment plan to be reverted back to the original agreement I approved of which was a Graduated repayment plan.
Consumer complaint received 2019-10-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am having issues with Equifax to correct records at their so that my identity can be validated. I had tried to open a checking acc. with XXXX but my application is denied due to issues at Equifax end which is preventing them from validating my identity. I already have a checking account with XXXX and couple of credit cards but this glitch at equifax end is handicapping me financially. In order to resolve the issue I had reached out to theEquifax on XX/XX/XXXX and Equifax 's customer service asked me to fax my documents - SSN, DL and Covering letter to their fax number and informed that the documents would be processed in 5 days .On XX/XX/XXXX I had faxed these documents.In the following week couple of times, I followed up with Equifax customer service. To my surprise the customer service agent was not able to find anything and the call was escalated call to supervisor. I was reassured by supervisor that my documents would be processed by XXXX XXXX by latest. I reapplied for XXXX checking account on XX/XX/XXXX and the application was again declined for the same reason. I again followed up with Equifax customer service and again needed gain needed an escalated call to supervisor. This time no concrete information was provided. I asked supervisor to register an internal complaint with Equifax but I was informed that Equifax does not have a complaint management through customer service. The consumer needs to send a mail to head office for complaints - thus creating an invisible block in registering a consumer complaint. Then I received a mail from Equifax - letter id - XXXX dated XXXX XXXX asking to send across SSN Proof card and Residence proofas evidence. These are the same documents that I had faxed earlier. I mailed these documents on XXXX XXXX. Then I received another mail from Equifax, letter id being - XXXX dated XXXX XX/XX/2019 asking again for SSN proof and residence proof. This was the third time I have tried to resolve the issue at Equifax but to it seems not to be resolved at my end which is hampering me financially. The key concerns I have with Equifax is 1.No concern about customer 's sensitive document despite of having a massive data breach 2. Non processing of my sensitive documents within the given time frame. 
3. Poor customer service - no definite answer 4.Customer impacted because of lack of service from Equifax 5 . As a customer I have spend close to 20 hours to resolve issue created by Equifax 6.No process to register customer complaint through customer service 7. Impossible to speak to live agent through Equifax ; s customer service number XXXX XXXX XXXX XXXX XXXX. One needs to XXXX another customer service number to touch base with Equifax 's live agent. 

I would want CFPB to take action against equifax as there may be lot of consumers impacted due to inept Equifax processes
Consumer complaint received 2019-10-09
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: Experian Information Solutions Inc. (GA)

Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.
Consumer complaint received 2019-10-09
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account.
Consumer complaint received 2019-10-09
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. (HI)

As of a Tuesday XX/XX/2019 ( today ) I continue to see at least one XX/XX/XXXX inquire by XXXX this has been going on for a month I have attached screen shots of the XX/XX/XXXX " hard inquiry '' that they ran that most also not be categorized properly. Equifax has told me to tell XXXX that when they run an INQUIREon EQUIFAX!!!! they need to include a " reason code '' ( plus to comply with FCRA they would need this information also ) they have for a month now been doing supposed soft inquires to comply with a federal judges ruling but the have not INCLUDED A REASON CODE therefore according to Equifax they default to hard inquiry even if it was not. Equifax is just as bad here how they allow an inquire without a reason code, how they supposedly " swear '' under federal law they envisage this then don't do anything, How they tell me I have to call their furnisher and train them how to do an inquire I didn't authorize. All the while while XXXX are throwing a fit like little junior high kids hanging up making threats not replying to even emails. Remove all the not authorized inquires immediately as XXXX you are in violation of federal law! See screen shots for details ..
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION (TX)

BBT frequently blocks access to my account and prevents me from taking money from my account under the pretense of security. Each time they put a block they asked that I step inside a branch with 2 forms of ID and then have to go through the excruciating process of sitting down with a banker and then call the fraud dept which has a 30-45 min hold. I had already stepped in the branch 2 weeks ago and now they are asking that I do that again - because I had submitted a bill pay. It is shameful that they hold customer funds this way under a security pretense.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GLOBAL CLIENT SOLUTIONS, LLC (GA)

I have Attached some documents and a letter. showing that global client services took my money and saying that they used it for some other reason im not aware of, that I did Not authorize. They where supposed to pay off my debt and they didnt pay any of my debt.
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

I deposited two checks in my account both for the same amount of {$2300.00} but two different days. One on XX/XX/2019 and another on XX/XX/2019. I received these checks selling college textbooks to an online site that buys them called XXXX. When i deposited the first check it was XX/XX/2019 and it was put on hold for a while and was released to me today XX/XX/2019 but when i went into the branch i spoke with a lady named XXXX i think at the branch in XXXX XXXX in XXXX XXXX. She helped me and was very rude and prejudice. I guess she believes it was XXXX because i have two checks from the same company for the same amount so when i went in to withdraw she contacted the fraud department and put another hold on the funds that were already made available for me earlier today XX/XX/2019. I dont understand why she would do that is there anything you can do to help me? Ive been waiting weeks now for these funds to be available to me and now shes put another hold on my account
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

I noted my credit score took a steep drop. 
According to FICO service there is a issue with Sears. 

My account was opened in XX/XX/XXXX. 
According to Sears my last payment was made on XX/XX/XXXX in the amount of {$630.00}. My Account then had a zero balance. On XX/XX/XXXX the acct was closed per Sears rep because of inactivity. Well the Sears store near me in XXXX XXXX closed. 

Upon contacting Sears via telephone at XXXX, confirmed with Sears that my account was closed in good standing and have XXXX account balance. I opened my Sears account in the year XXXX, a and was in good standing and used the card for everything in my house and paid it off. 

IT IS NOW REPORTED ON MY CREDIT REPORT THAT SEARS account showing that I was delinquent. states that it shows a zero balance, YET it always shows a delinquent account of XXXX The representative from XXXX told me that others have been having issues with Sears.

Sears is going to send me a letter stating that my account was in good standing and was closed due to inactivity. 

PLEASE CORRECT THIS.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

XXXX I had discovered i had theft on my checking-saving accounts.The total amount was XXXXThe same day I notified Wells Fargo claims XXXX.who documented claims.The claims XXXX advised me to close my accounts.XXXX  Went to wells fargo spoke to XXXX XXXX closed accounts.I said what about XXXX. XXXX told it would be fine. XXXX fraud on my XXXX Called fraud dept. letters from Wells Fargo stating the transactions were from an online secure session by me or someone that had my authority.I have never used XXXX nor did i give authority.Since XXXX until XXXX have been denied. It amazes me that when i was back in the bank on XXXX i wanted my XXXX  removed I was told that it couldnt be by XXXX and XXXX but they could secure it.XXXX I received a letter from XXXX denied again but As of current im enrolled. I did not request!!! You want proof of my identity being stolen it was stolen. As this is a huge problem. I cant trust Wells Fargo for securing my money as they have had so many problems and well known for this. You lie saying everything is secure well nothing is secure!!!! Not even this so call XXXX.You dont back your customers. I am dealing with the FBI, FTC. Wells Fargo you are giving me the runaround.
Consumer complaint received 2020-09-15
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. (GA)

1 ) Per escrow analysis from mortgage company XXXX XXXX, making an additional payment of {$2800.00} would put my monthly payment at {$2000.00}, and in XX/XX/XXXX I mailed check # XXXX to XXXX XXXX and wrote " escrow shortage '' on it. Therefore my monthly payment changed the following month ( XXXX ). Up to now I have no idea what happened to the additional escrow payment as XXXX XXXX continues bill me as if the escrow shortage was not paid for. I have made numerous calls to no avail. I have spoken to Ms XXXX on XX/XX/XXXX, to XXXX XXXX on XXXX, to XXXX  on XXXX and everyone confirms having received the escrow payment, and said the matter would be resolved once they send a note to the Escrow department, but it remains unresolved seven months later.

2 ) For the past 10 years, my monthly payments have always been timely. However, on my credit report ( XX/XX/XXXX ) my mortgage payments have been late 30-59 days as reported by XXXX XXXX for which my Equifax credit score has taken a plunge from XXXX to XXXX. This needs to be resolved at once. Calling XXXX XXXX has been nothing but a waste of time, and energy. It's very frustrating.
Consumer complaint received 2019-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BTH Management (CA)

I GOT A MESSAGE FROM MY PREVIOUS EMPLOYER SAYNG A THE NUMBER XXXX LEFT A MESSAGE FOR ME. 

I CALLED THEM BACK AND ALL IT SAID WAS THE PERSON AT THIS EXT IS NOT AVAILABLE AND I COULD NOT LEAVE A MESSAGE. 

A FEW MOMENTS AGO I GET THE SAME NUMBER CALL ME AND I LEAVE MY DESK TO ANSWER THE CALL. 

SHE SAYS SHE IS FROM XXXX XXXX XXXX AND HER NAME IS XXXX XXXX. I VERIFIED MY LAST 4 BUT DID NO VERIFY MY DOB UNTIL SHE TOLD ME WHAT THE NATURE OF THE CALL WAS. SHE THREATENED ME SAYING THERE WAS PENDING LEGAL ACTION IN HER OFFICE AGAINST ME. 

SHE THEN PROCEEDED TO TELL ME THAT XXXX XXXX WAS TAKING ME TO COURT TO GARNISH MY WAGES AND THEY WERE THERE TO TRY AND HELP WITH A PAYMENT PLAN. 

SHE SAID THE BALANCE WAS OVER {$4800.00} AND I SAID THAT WAS INCORRECT. SHE MENTION THAT WITH THE FEES THAT IS THE AMOUNT. SHE SAID THEY WOULD OVER A SETTLEMENT FOR A LITTLE OVER {$3000.00} AND i SAID I WOULD BE INTERESTED IN THAT BUT WHAT WERE THE PAYMENTS AND THE PAYOFF SCHEDULE. 

TOLD HER I COULD NOT PAY ANYTHING RIGHT NOW AND SHE SAID WHAT ABOUT BY THE END OF THE MONTH. I MENTION I JSUT STARTED BACK WORKING FULL TIME AND I COULD ONLY DO ABOUT {$50.00} END OF THE MONTH. SHE SAID THEY WOULD NOT ACCEPT THAT BUT SHE COULD CONTACT XXXX XXXX TO SEE WHAT THEY WOULD EXCEPT. 

I TOLD HER I NEEDED TO CALL THEM BACK BECAUSE I COULDNT NOT CONTINUE TO BE ON BREAK THIS LONG ( ALREADY 6+ MINUTES ) AND SHE SAID-WELL I WILL TELL THEM TO PROCEED WITH THE JUDGMENT. 

I TOLD HER OKAY. 

THROUGHOUT THE CALL I MENTIONED TO HER NOT TO CALL MY OLD EMPLOYER OR ANY REFERENCES AND SHE CLAIMED NO ONE HAD AND I KNOW THEY DID. I TOLD HER ONLY CONTACT ME ON MY NUMBER WHICH I VERIFIED OR EMAIL ME. I ALSO ASKED FOR A COPY OF THE STATEMENT AND SHE CLAIMED THEY HAD BEEN SENDING ME NOTICES. I HAVE RECEIVED EMAILS BUT NOTHING IN THE MAIL. SHE SAID IT WAS THEIR WORD AGAINST MINE. 

I TOLD HER I WOULD NOT GIVE MY EMPLOYER INFO AND SHE SAID THAT IS FINE BECAUSE WE ALREADY HAVE IT. I TOLD HER AGAIN TO NOT CONTACT MY EMPLOYER PAST OR CURRENT.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mountain Land Collections, Inc. (UT)

I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. Mountain Land Collections obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted Mountain Land Collections to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.
Consumer complaint received 2019-06-11
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. ()

XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 ) years I have written XXXX, XXXX  and Experian, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XXXX of XXXX through XXXX XXXX, and no mention of a personal loan I made on XXXX of XXXX through XXXX XXXX XXXX ( XXXX  ). 

I have sent four ( 4 ) requests to XXXX, XXXX  and Experian to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.
Consumer complaint received 2019-06-11
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. ()

XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 )  years I have written XXXX, TransUnion and XXXX, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XX/XX/XXXX through XXXX XXXX/XXXX, and no mention of a personal loan I made on XX/XX/XXXX through XXXX XXXX XXXX ( XXXX ). 

I have sent four ( 4 ) requests to XXXX, TransUnion and XXXX to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.
Consumer complaint received 2019-06-11
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: EQUIFAX, INC. (OH)

Contacted the credit bureau. Was told they verify accounts by sending to dispute the lenders. I informed them about the 609 credit law and was told sorry sir I would have to dispute with the lender. Sent countless letters and documents and contacted each lender but lende doesnt have complete verifacation of the issue accounts in question are below Idenity theft accounts XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX Fraudulent Charge accounts XXXX XXXX XXXX XXXX These accounts have been placed on my accounts with out proper verification of debt because as told by supervisors they verify with lenders electronically because they have more disputes than workers