davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

This account was to be paid by worker 's compensation. The company didn't process the correct papers.They send a bill amount without the medical diagnosis and process that took place. I called XXXX XXXX and explained that I got hurt on the job and XXXX XXXX XXXX XXXX of Louisiana was responsible for paying this account. Than I called XXXX XXXX my case manager and explained. SHE explained that they never should have reported it on your credit report, because it's a government issues and they're waiting on the correct papers to be processed. Than I called XXXX XXXX again to check the status if the correct papers were send. The person said no, I asked why, I was put on hold. He stated I don't know. I asked for a supervisor. I explained to her and she was rude and stated it's my responsible to get the correct papers to work 's compensation office and not there office. I said this is the frist of my hearing. And I haven't heard anything until now its back on my credit report.
Consumer complaint received 2018-11-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: First Associates Loan Servicing LLC (GA)

I initially checked my credit report and saw a balance for {$12000.00} for XXXX XXXX XXXX XXXX. I contacted the company on XX/XX/XXXX and requested a copy of the loan agreement with my signature, and the agent agreed to send the information. He also stated that the loan was opened back in XX/XX/XXXX. I told him that I don't recall signing for the loan. Instead of sending the document I requested, the agent emailed a docusign settlement statement, which I didn't sign for. I will not agree to a loan that I never signed for. I am requesting an original copy of the loan terms, which they will not provide to me. I will also file a complaint with the credit bureau.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

My dispute is with Wells Fargo Bank. My claim # with them is XXXX. I was out of the country from XXXX. When I landed, I saw some fraudulent transactions made on XX/XX/XXXX. One for {$46.00}, one for {$20.00} and one for {$870.00} ( which when it posted a couple of days later was split into two transactions of {$430.00} ). I let Wells Fargo know that I was out of the country, yet they failed to flag these big transactions as fraud. Yet, while I was abroad I almost got stuck in an airport because they flagged a much smaller transaction as fraud even though I told them I was traveling. I had to pay international calling fees to call WF Bank in order to remove the hold. 

As soon as I saw the fraud when we landed, I called to report it. However, WF noticed that the {$20.00} charge was recurring and that it started back in XX/XX/XXXX. They started the inquiry from XXXX but failed to let me know about the 60 day rule. So they refuse to refund the almost {$900.00} because of XXXX {$20.00} charge back in XXXX for a rule that I was never aware of. 

They told me that the Reg E rule is in all the disclosures when I open up accounts however, I keep finding that the Reg E wasn't a thing until XXXX and I've had my accounts open since I was XXXX XXXX XXXX ( XXXX ). 

I also found out the the charges of {$430.00} were made through XXXX online and the people did not use my name when entering the card info. It should have never gone through if the name they used didn't match the name on the card. These transactions should have immediately been flagged because of using the incorrect name and also for the fact that Wells Fargo was aware that I was in XXXX when these transactions occurred. I also should have been made aware of the 60 day liability rule.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (OH)

There is a collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

CONVERGENT OUTSOURCING ( XXXX  ) Accnt # : XXXX Opened : XX/XX/2022 Balance : {$1900.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Consumer complaint received 2023-01-26
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. (MO)

I have proof that the CRAs are not in compliance of 15 U.S. Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The information reported is not been properly verified.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

American Express is unlawfully retaining past personal and financial information on me on accounts of more than 20 years ago that were included in bankruptcy. These accounts were closed more than 20 years ago. What is the lawful purpose that American Express still has information on me in their systems.
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (FL)

I called EdFinancial on XXXX 2022 and asked that all payments made during the Covid pause be refunded to my account. The representative told me it would be 21 days to process the refund. I asked for a confirmation number, or email to track the status, she stated it couldnt be provided to me. She stated I would have to call periodically to check on the status. I called again on XXXX 2022 and the representative informed me it would be a minimum of 150 days to refund the money I paid when student loans were in Covid forbearance. She stated she couldnt provide me with a confirmation email, and didnt know if the refund would be sent back to me by mail or through direct deposit. Per the CARES Act, I can request a refund of money I paid during a period when I wasnt obligated to pay it. The timeline of this refund is unsubstantiated, as well as the confirmation of the refund application itself. EdFinanciaXXXX has had several reports of similar cases with other students, wherein the tracking of their refunds is impossible. Other financial lenders are reporting 4-6 weeks of return processing, yet EdFinancial is the only lender whose processing time is 5 months at minimum. Id like the money returned in a timely manner and an update of the refund processing.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (TX)

I wrote a questionnaire to executives at Ally Financial once i noted a few false and misleading statements on the alleged loan agreement when my automobile was first purchased at XXXX XXXX using an initial promissory note which by way of my signature/autograph gave full faith and credit. 

Ally Financial is in dishonor and is without a positive-performance-response for the following correspondences : - Certified Mail XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. 
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX. 
- Registered Mail RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Relations. 

On all the correspondences i specifically told the Executives i promise to pay the alleged debt and stay in honor yet i needed a few questions answered to achieve correctness and settle the matter for my court of records. 

It has been six months now and there has yet to be any responses to my questions. All i received from a po box non contracting venue is photocopies of the credit transactions i have made on the alleged car loan. 

I strongly believe that Ally Financial is hiding and/or can not provide any of the following details : 1. The origins of account number where the funds originated to purchase the car.

2. Who is the original creditor.

3. If the account has been securitised.

4. A true and certified copy, NOT photocopy of the original note under penalty of perjury with unlimited liability and confirm that this note has never been sold. 

I have stayed in honor by adding credits to this account as this matter is solved. 

I need full closure of this matter no later than 21 days.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-09-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Upgrade, Inc. (NJ)

An high value item was purchased with credit loan but arrived DOA, and when the item was denied for return due to XXXX policy on 30 day limit, despite XXXX was aware that I filed a dispute within this 30 day limit and was trying my best effort to either ship item back or have seller repair for damages. 

XXXX insists that I should have clicked " return the item '' even though at time of dispute I had no intention of returning item and wanted to keep item and get partial refund or get spare parts, which is misrepresentative and should not be labled as " return the item ''. 

I DO NOT HAVE INTENTION FOR PAYING FULL RETAIL AMOUNT ON A DEFECTIVE ON ARRIVAL ITEM, AND BOTH PARTIES FAILED TO RESOLVE ISSUE ( Upgrade.inc and XXXXinc )
Consumer complaint received 2022-09-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian recently responded to complaint # XXXX ; however, they continue to demonstrate willful misconduct by failing to address the specifc nature of the complaint. 

THIS IS NOT A REQUEST TO VERIFY THE DETAILS OF THE PUBLIC RECORD IDENTIFIED IN THIS COMPLAINT. 

Again, I am providing factual and relevant information proving Experian 's unlawful credit reporting activiy. The public record IS NOT REPORTING CONSISTENTLY within Experian 's organization - how can this be? v I received correspondence from Experian on XX/XX/18 and that alledged verified information is NOT what Experian is currently reporting to lenders ( see dated factual evidence attached ). 

I have had enough of Experian 's dismissive nature. They continue to violate the Fair Credit Reporting Act. DO NOT SEND ME ANY CORRESPONDENCE REGARDING YOUR " VERIFIED '' INFORMATION. 

I am specifically requesting an INTERNAL INVESTIGATION as to why ONE entity ( Experian ) is reporting ONE " verified '' account TWO different ways.

The continued lack of acknowledgment willful negligence to correct or delete this record is a direct violation of the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( a ) ( i ). I will be forwarding this and all correspondence to date to XXXX XXXX at the Illinois Office of the Attorney General. She has been in contact with Senior Regulatory Affairs Department at Experian.
Consumer complaint received 2018-09-16
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. (SC)

Many complaints and certified letters to XXXX XXXX and Equifax requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXXXXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, at approximately XXXX hours, I requested that a cashier check be made for XXXX to the XXXX XXXX XXXX XXXX XXXX. The Chase Bank Associate informed me she was going to charge me XXXX for this cashiers check. I informed this person ( name unknown ) that I was grandfathered in and do not have to pay for cashiers checks. 

Bank Associate then informed me we changed the policies on those who were grandfathered in and sent out a letter to reflect that. I did not receive any letter via United states mail, nor via email from Chase bank that informed me I would be charged for cashiers checks. 

It should be noted I do not have a check book but only make purchases via debit card or through the cashier checks when appropriated. Secondly, My original contract with chase stated I would not be charged for cashiers checks and have not been approached by Chaser Bank affiliates with a new contract, nor have I been informed to sign a new contract with Chase. In essence, Chase Bank is breaching their contract with the consumer and now charging XXXX for a cashiers check. 

I have been with Chase Bank since the XXXX XXXX I would like this matter to be investigated for inappropriate abuse of power to overcharge for a cashiers check. 

Thank you in advance, XXXX XXXX
Consumer complaint received 2022-09-02
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. (AZ)

XXXX XXXX is fraudulently reporting on my consumer report without written consent. XXXX XXXX provided a signed contract that is between XXXX XXXX and XXXX XXXX XXXX XXXX only, which has been settled. There is no signed contract between XXXX XXXX and XXXX XXXX XXXX XXXX Requesting that this information be removed from my consumer report immediately.
Consumer complaint received 2022-09-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

all three credit bureaus are reporting that I have a balance. I have paid my mortgage off and have XXXX balance. Also, all three bureaus are reporting that I was 30 days late and I was given a foreberance for that month
Consumer complaint received 2019-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

Hello, My name is XXXX XXXX XXXX ( at that time my name was : XXXX XXXX XXXX XXXX. I changed my name because i got married ). I have XXXX babies and the XXXX of XXXX of them were covered by the government insurance because of my low income. When my XXXX  baby ( XXXX XXXX XXXX XXXX ) was born in XX/XX/XXXX, at XXXX XXXX Hospital at XXXX, kentucky, he got certain medical issue and the hospital kept him fews days to make him better. the hospital charged me for that while i was covered by the insurance. I went to the hospital to complain for that issue and they contacted the insurance company and they told me that everything was ok and i dont have to worry about that. They fixed some bills but fews months later i noticed that they fixed everything except one. They told me they Will fix it also but unstead i got collection mark of XXXX $ from GLA collections ( XXXX XXXX XXXX   ) on my credit report a until now. I called them to explain that it was a mistake they told me they can not do anything to remove that. I dont know what to do and that situation affect my credit score because i have a derogation mark. 

Can you please help me.?
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (GA)

very dissatisfied with how the bank handled unauthorized charges. They claim to issue provisional credit and then place provision on the provisional while they 'investigate ' as though the guilty party will admit to price gouging. They act as though they are throwing crumbs and you better be happy or else when the misappropriation is not due to negligence or offsite forcing me into overdraft despite a history record of not going over on purchases made. in short, with no prior deception, I can not be trusted to tell the truth while the merchant is operating with impunity. One such case is withholding to investigate a charge made when more than XXXX miles away with purchases done the same day to prove it. What more evidence is there to have than hard facts? My XXXX status did nothing because they were told ALL is XXXX benefits and protected for well over an hour no amount of reason made me whole. It's just another way of making money like the wait for clearance of checks. It's reckless with the record rise of inflation resulting from the pandemic. Merchants pull cons like overcharging before, during and after yet given the benefit of doubt while the victim gets XXXX XXXX XXXX, every XXXX matters. I can't work overtime like regular people and I'm tired of the bias that banks often engage in like it's their money taken, not yours. Unacceptable conduct through no fault of my own is demeaning and counter-productive if the only beneficiary is the offender themselves. Interestingly, it is also why unscrupulous businesses do the act in the first place. Or the 'who would they believe " rhetorical question.
Consumer complaint received 2019-09-18
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. (CA)

EQUIFAX, post dispute results of multiple investigations ... 
continues to display XXXX XXXXand in Equifax 's depiction of XXXX XXXX IT IS OBVIOUS on the face of their credit reporting that the account information is both inaccurate and incomplete according to the FCRA, the law of the land in the USA.All proof attached is specific as it includes Equifax hard copy reports as well as 3rd party reports with information transmitted to the 3rd party by EQUIFAX.The information attached is from XXXX calendar week prior to this writing.It includes a partial fix by Equifax of the missing '' term duration '' which was added to this installment loan depiction on XX/XX/XXXX ... .yet the account post update continues to have both inaccurate and incomplete information required by the FCRA ... THE HALF MEASURES AVAIL US NOTHING.EQUIFAX IS UNABLE TO BE CONTACTED ELECTRONICALLY FOR DAYS AS THEY ARE UNDERGOING '' maintenance. '' Equifax has recently sent a threatening letter..stating that they are refusing to reinvestigate beyond the current investigation.EQUIFAX on the phone has individuals who blend their XXXX  XXXX   tongue with XXXX and are unintelligeable on phone conversations to remedy these EQUIFAX breaches of credit reporting law. 
on Equifax XX/XX/XXXX XXXX report the installment loan says the payment both actual and scheduled monthly payment are or were {$0.00} On Equifax XX/XX/XXXX report the installment loan duration is blank, yet on the XXXX XXXX report of XX/XX/XXXX the XXXX  month term is shown.the date closed, the charge-off amount ( significant since loan payments were made ) are left blank.The high credit amount is inaccurate since on loan initiation a portion of the {$2600.00} was withheld by the lender as a loan initiation fee ( pre-paid interest ) and the loan amount or loan proceeds was not XXXX but less. 
nowhere in the account is this information properly depicted.The " high credit '' of {$2600.00} is inaccurate. 

THIS COMPLAINT MAKES A RECORD AS EQUIFAX IS MAKING IT CLEAR THAT THEY WILL REFUSE TO FURTHER INVESTIGATE, CORRECT THE INACCURACIES OR DELETE THE ITEM.EQUIFAX IS CLEAR IN THEIR WRITTEN COMMUNICATION RECEIVED YESTERDAY THAT EQUIFAX REFUSES TO ABIDE BY THE FAIR CREDIT REPORTING ACT, DODD-FRANK, AND ALLOW OR CONSPIRE TO VIOLATE THE FDCPA.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been the victim of financial fraud by a family member that was XXXX time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
Bank of America canceled debt on XXXX accounts. 
They also show " placed for collection '' instead of " canceled debt '' I received this XXXX for tax year 2013 for both accounts yet they still report it on my Bureau with differing amounts from the XXXX and although canceled, they still report it as a collection account instead of closed/canceled. It is canceled and I paid taxes on it in 2013. I do not seem to have any rights as a victim to get this corrected. BoA should not be allowed to both cancel it and report it open, I understand it will show on Bureau as canceled debt, but they should not be allowed to continue to show it as an open balance since they told the IRS it was cancelled. 
I am trying to clear up issues that were not my doing, but were in my name, my name and SS # were fraudulently used multiple times. Please help me in this matter, I can not seem to get BoA to willingly fix this issue that is clearly being reported incorrectly.