davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (MA)

Refinanced a student loan with XXXX for around {$55000.00} and followed the terms and conditions of a promotional offer exactly to receive a {$200.00} promotion ( Tiered Welcome Bonus Promotion ). XXXX is claiming that I am not due the bonus due to terms that do not exist. Before I applied for the loan, I received verbal confirmation as well from a phone representative that I would indeed qualify for this bonus and I applied for the loan using the targeted link directly from the bonus. 

I've contacted the company, and their response is in direct contradiction to their advertised language for refinancing student loans.
Consumer complaint received 2023-04-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Disputed with XXXX XXXX, Equifax and XXXX and did not get return resolution for disputes or responses at all. No reports mailed back to me and no response in email from any of, these institutions sent disputes to each company on XX/XX/2022 they are over way over the time frame that a response should have been completed and returned to my home address on file
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX XXXX XXXX XX/XX/XXXX {$6600.00} Term 51 months ( 4 years ) Closed account Effecting my credit and abusing my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 602 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I attempted to open an Everyday Checking account on the Wells Fargo website on XX/XX/2022. I initially deposited {$500.00} when opening the account which was processed and credited from an account that I have with a different bank. I received an email the next day stating that my account was closed. I have tried calling the phone number referenced XXXX for three days in a row. I am just put on hold for hours and at some point the line automatically hangs up on me. While I'm hold, an automated message simply states they are " receiving higher call volume than usual. '' I attempted to schedule an appointment at a local Wells Fargo branch in Texas and the local bank rep called me back referring me to the same XXXX number I've been trying to reach previously. I want my {$500.00} deposit back.
Consumer complaint received 2022-07-24
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: ERC (SC)

I do not recognize having any agreement with enhanced recovery and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with enhanced recovery .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery is attempting to collect a. Debt that is to old to collect on. Statue of limitations ran out. They refuse to remove if as of XXXX/XXXX/2022
Consumer complaint received 2022-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (OK)

XXXX, XXXX XXXX XXXX got a wage garnishment against me for {$10000.00} for a debt that is not mine from XXXX. XXXX & XXXX claim that I owe this debt. The debt is from a credit card company called XXXX. They went out of business in XXXX, picked up the debt in XXXX and sued me then XXXX XXXX in XXXX. I have never heard of Unifund, nor have I ever been served with a Subpoena to appear in court. Unifund hired XXXX, XXXX XXXX XXXX a debt collector, I don't know when. I'm guessing in XXXX. XXXX & XXXX say they served me a subpoena in XXXX, which is a bold face lie. I have NEVER been served with a subpoena of any kind, from anyone. Now zoom to XXXX XXXX & XXXX have gotten a wage garnishment against me for almost. I called them to see if they would take less, or get some kind of payment just to get this over with. I first offered {$1000.00}, the {$2000.00}. She said that they want {$11000.00} now. What happening here, in order for me to get out of this debt, that is not mine, I'm being forced to file for bankruptcy. That's not right. I've spent the last 9 years building my credit, from a score of XXXX, to a score of XXXX. For 9 years I have never heard hide nor hair from XXXX, XXXX XXXX XXXX. Not a word. Now this. They want more money now, than what the garnishment is. At 29.99 % interest. There is absolutely no way for anyone to pay that off. I bring home {$1500.00} a month. And I am at my witts end. Nor do I want to file for bankruptcy. I don't know what else to do. They are trying to ruin my life. I'm XXXX, and I don't know who to turn to, but you. Please help.
Consumer complaint received 2018-05-14
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. (MD)

I was a victim of ID theft and Experian blocked the fraudulent trade lines as required, BUT two of the items are now being reported under a different name. someone opened a XXXX  account and also tried to rent an apartment under my name. if u noticed my previous complaint you will see the blocked company " XXXX XXXX '' tried to collect for XXXX and now " XXXX XXXX '' is trying to collect for the same blocked account.
Consumer complaint received 2015-04-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: National Asset Advisors, LLC (GA)

We fell behind on our mortgage after my husband could n't work due to XXXX. The company had worked with us before and took a partial payment of about {$3500.00} sometime in late XXXX and refused to accept a partial payment this time. In XXXX XXXX we paid our mortgage company, National Asset Advisors , LLC {$8800.00} needed to keep our home. Our balance was listed as {$0.00} Not even a month later we receive a bill saying we were delinquent {$390.00} and owed {$790.00}. At this point I discovered that my husband had asked to have our payments placed on bi-weekly schedule. This was the cause of so many late pay fees. I asked to have the payments placed back on a monthly schedule so that if late we would only pay XXXX late fee as opposed to XXXX. I was told this could n't be done. I explained that we would always be late because my payroll schedule is once a month and the amount dependent upon my quota. The company still refused to change the payment schedule and continues to tack on late fees. 
In XXXX we received a bill saying we owed the company over {$3000.00} for mortgage payment, late fees and attorney fees. I disagree with this. We had a {$0.00} balance in now we are at {$3000.00} delinquent?
Consumer complaint received 2024-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All companies involved have infringed on my right to privacy as granted by federal law and failed to provide necessary disclosures. I have tried to resolve this issue amicably now I am requesting immediate action. Please delete these information from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00}
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: The J. G. Wentworth Company (TX)

Approximately 8 weeks ago I contacted JG Wentworth to assist me in obtaining a portion of an annuity. XXXX XXXX was assisting me but when I would ask him how much this was going to cost me he would never give me straight answer and said we would discuss it later. We got so far as having 3 way call with XXXX  did he finally tell me they were charging me {$71000.00} to help me get $ XXXX but this was after he had them change beneficiary to JG Wentworth. They received my XXXX & XXXX payments in the amount of {$500.00} each and I have called numerous times begging them to refund my {$1000.00}. I received 1 phone call from XXXX XXXX over 2 weeks ago & swore she would get to bottom of this matter but now she is avoiding me. This company has the nerve to charge me $ XXXX which is just like usury for lack of better word to con people out of their money. It is ludicrous to charge $ XXXX out of my $ XXXX annuity. Ultimately it was very easy for me to obtain funds and it only cost me {$1500.00}. I dont what other agency to contact to stop them from taking advantage of other folks who obviously need their money due to our countrys economy, inflation, price of gas etc. I will not stop until I receive my money back and someone who should be watchdog for our citizens to prevent this from happening to people who dont understand how their fraud works.
Consumer complaint received 2018-12-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/XXXX ), TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX paid in full XXXX  XXXX never late INQUIRIES XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2018-05-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have in the last several months received phone calls over a debt that is well over 8 years ago. Although this debt is not being reported to the credit agencies, it continues to be a threat through harrassing and threatening phone calls. The company holding this debt has called and left the following message ( word for word ) : Good Morning, my name is XXXX XXXX and I have an urgent and important message for ..., please contact this office at your earliest convenience recording documents attached to your social security number for immediate processing with your local county courts to receive this important information and also to offset pending proceeding against your name and social. Please contact XXXX XXXX at XXXX reference case # XXXX. Today 's date is XX/XX/XXXX, you have been notified. 

I returned the call to XXXX XXXX. I listened to her tell me she would be filing court papers for a debt against my social for XXXX from Capital One Credit. I proceeded to explain this was the second call in the last few months over a debt that was over 8 years old. I tried to tell her I had already given notification not to make calls to me any longer. She began yelling and screaming at me. I asked her to stop yelling, but she got louder and continued to say ... We will be filing this in the court and move forward to sue you. And then she simply hung up on me.
Consumer complaint received 2018-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX Wells Fargo contacted me regarding suspicious activity on a secondary account, while I was out of the country. I advised WFB that the card was not in my possession, and instructed WFB to cancel the card, deny the charges and I would investigate once I returned to the USA.

Upon my return it was determined the card was stolen ( possibly by the babysitter or her boyfriend ) and had been used multiple times while I was out of the country.

Upon examination of the charges and the time periods and history involved, and having reviewed this information with my branch and the police department I could identity 27 transactions with 100 % positive accuracy and 17 other transactions with 30 % accuracy. a result I am willing to accept the financial loss for the 17 transactions I am not 100 % positive about, however I have been victimized by criminal fraud and theft in the amount of {$2200.00} I filed a police report and identified the 27 unauthorized charges. WFB refused to refund {$2200.00} despite the photos of the suspect, because I failed to identify all charges, despite the photos of the suspect clearly not being me.

next time WFB stated the reason for the denial was due to no pin attempts. And the next time, due to no attempted usage after fraud reported.

I have provided evidence filed the correct police reports, and responded to all reasons for denial. WFB has denied my claim based on reasons to deny the claim, and not the merits of the case. As a result I have suffered a financial loss of {$2200.00} WFB implied recent action taken by this office ( CFPB ) has required the bank to deny my claim because they been fined XXXX XXXX dollars.

I have appealed the claim denial to the Board of Directors. I have retained counsel and intent to sue if the complaint is not resolved by crediting my account for the amount of the theft {$2200.00} on or before Friday XX/XX/XXXX, and intend to hold a press conference to seek Class Action participants with a XXXX XXXX on Friday XX/XX/XXXX.
Consumer complaint received 2020-07-31
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)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$460.00} XXXX  XXXX {$470.00}
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX filing a complaint against XXXX XXXX XXXX XXXX has stole my identity and has used it to open this account they can not provide any information when requested, my information was used with my knowledge and consent, I want transunion to delete and block this information off my credit report, or I will sue for damages and my lawyers fees, my information including accounts, social security number, drivers license, phone numbers, emails, were found on the dark web, either transunion can comply or this complaint can be and will be used in court or arbitration, delete and block this account immediately thank you. 

Also I will provide my drivers license that has my veterans status on it, I am a veteran of the XXXX XXXX, its been on my license for 15 years, no one has my license with my veteran status
Consumer complaint received 2022-07-24
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-03-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MI)

When attempting to log into my account online which was set up when I bought my home 7 years ago the website said my information that I input did not match their accounts. When I called about it I found out that my birthday is incorrect on my account due to this mistake they are unable to verify my identity and refuse to help me. I asked to speak to a manager and was refused to escalate it multiple times. I was sent to multiple other people. The only thing that was done was a ticket put in to change my birthday and I was told to send in a picture of my ID and/or birth certificate. I spent over 90 minutes on the phone to rectify the issue with no resolution. I asked how this mistake could have happened, I was told they had no idea how it could have happened and did not see anywhere when it was updated.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Health Corporation (KY)

I submitted dispute and they did not fix it. There are 3 accounts that are incorrect. All three are paid by garnishment and or by insurance also they made the balance greater after my dispute and it is on a closed account.They will not allow me to dispute anymore and it leaves the accounts showing negative on my report however other credit reports did fix them but XXXX and XXXX and XXXX  XXXX  is blocking me to prevent me from disputing these accounts.
Consumer complaint received 2018-05-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Student Aid (USA) Funds (IN)

My tax return was seized for my deceased wifes debt. I took corrective actions on XX/XX/XXXX and as of XX/XX/XXXX I still have not received a refund from XXXX. I provided all the documentation that they needed in order to issue a refund and Ive called every two weeks to get the same response of youll have to wait we are over capacity of dealing out refunds it could take another 60 to 120 days to receive your refund Im sorry but I have no information for you at this time. Are things that Ive heard consistently. All im warning is to receive a refund.