davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo sent me a pre-approved business credit line offer XXXX XXXX, 2017 I was denied because I already have a " similar '' product with the bank. This was only after they ran a credit check and dinged my credit. I told them this was not disclosed during the application period nor the full disclosure. My complaint is this could have been avoided if WFC knew what the left and right hand was doing. " See too big to fail '' In addition, the bank nor my personal business banker communicated the denied credit line via phone, email, letter etc ... I had to call them XXXX XXXX 2017 I have asked them to remove the credit inquiry and apply the favorable terms to my current " similar '' product as of XXXX XXXX. They agreed to removing the inquiry and are pushing the terms to the underwriters.
Consumer complaint received 2020-06-04
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I filed a partial dispute of {$160.00} overcharge of NC state tax by XXXX  on XX/XX/XXXX for a vacation purchase made on XX/XX/XXXX for {$2200.00}. It was found in my favor on XX/XX/XXXX and closed by Capital One visa. XXXX cancelled the entire reservation on XX/XX/XXXX and promised a refund in 5 days. No refund in 2 months from XXXX. I called Capital One visa and tried to dispute the {$2200.00} the owed me and XXXX did not provide. Cap 1 told me I could not change the amount or refile a dispute on the same transaction. I am still looking for my refund from XXXX.
Consumer complaint received 2019-05-07
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. (GA)

There are two collections on my file from XXXX XXXX XXXX ( Account numbers XXXX and XXXX ) these are from a medical laboratory. I contacted the lab and they agreed that these did not belong to me. They said they would call them back from the collection agency and remove them from my file. This was the first of XXXX. 

I disputed these with all three bureaus and not only did they leave them on my file but they updated them again for an additional month. 

This is a violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2018-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I am writing after months of phone calls to XXXX and XXXX  XXXX XXXX that have gone nowhere and have not resolved what should require a simple fix. 

From XX/XX/XXXX-XX/XX/XXXX, I was a XXXX  for XXXX XXXX Member and earned an XXXX XXXX   Award. In XX/XX/XXXX, I submitted a payment request from XXXX  to XXXX in the amount of {$5300.00}. In the payment information submitted to XXXX, I specifically indicated that " Payment to be applied to Group C loans ONLY which are Direct Unsubsidized Loans from XXXX University. '' Please See Attachment, Page 1. The original loan amount for the Group C loan was {$5400.00} and so the payment of {$5300.00} would have nearly paid off the loan ( of course leaving aside the accrued interest ). XXXX received the payment but misapplied it. Instead of applying the payment to the indicated Group C loan, they applied the payment across all of my loans, essentially making no dent in any of them. 

I saw the error in early XX/XX/XXXX and immediately called XXXX. I spoke with a representative who indicated that she could see the error on their part in misapplying the payment and indicated that she would submit the request to have my payment reapplied. A few weeks later, my loans were transferred to XXXX XXXX XXXX so that I could participate in Public Service Loan Forgiveness.  At that time, I saw that the payment had still not been reapplied. I called XXXX again. This time, they told me, that although they had misapplied my payment and had notation of that in their system that there was nothing they could do. They indicated that it would be a simple fix and that I should contact XXXX XXXX XXXX and explain the situation to them. That has of course proven not to be the case. I have called XXXX numerous times with no resolution. The closest I have come was a conversation in XXXX with a XXXX agent named XXXX who indicated that she was submitting a request to Financial Management for the payment to be reapplied -- months later that has not happened. 

I have called XXXX numerous times and each time I am told that although they see the error on their part that there is nothing they can do. When I call XXXX, I am told that although they are the ones managing hundreds of thousands of dollars of my loans that they are in no position to do anything. I imagine that transferring large loans would sometimes require some adjusting, or correcting but XXXX is refusing to be at all responsive. 

Lastly, I just want to provide a bit of background on why this matters. I don't mean to be difficult but simply can not afford a mistake like the one XXXX made. I am a public interest lawyer, currently interviewing for positions. My dream job will likely pay {$45000.00} and I have over {$100000.00} in student loans. Fortunately, my law school will pay for the loans I incurred while a law student. I am however responsible for paying my XXXX loans. That is why I needed and requested my payment be applied specifically to my Group C, XXXX loan.
Consumer complaint received 2023-03-20
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$7.00} XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$360.00} XXXX  XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXX Balance : {$250.00} This is a follow-up complaint prior to my previous attempt.
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (OH)

Someone received Ohio Unemployment benefits in my name with a application date of XX/XX/XXXX. Even though I have been employed at my job since XX/XX/XXXX. Than Friday XX/XX/XXXX I received a bank statement from Keybank ( that I have no accounts with ). I went to the branch today and filed fraud paperwork with them as well.
Consumer complaint received 2024-02-07
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. (NC)

My personal information was breached through a staffing agency in 2020. I alerted the credit reporting agencies and my current creditors. I recently pulled a copy of my credit report and noticed accounts and inquiries I have not authorized or have any knowledge. I've contacted the CRA 's twice requesting verification with no formal response. 

I have a right to privacy, reporting accounts to my profile without my written consent is in violation of 15 USC 1681. 
After investigating these accounts are being reported due to identity theft. Furnishing accounts to my credit profile in direct relation to identity theft is in violation of 15 USC 1681 c-2. 

I also noticed a slew of addresses being reported that I have never resided nor have any relationship with. These addresses being reported are affecting my true identity and my ability to obtain credit.
Consumer complaint received 2018-10-22
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. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lost of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Convergent Resources, Inc. (GA)

In accordance with the fair credit reporting act Convergent Accounts # xxxx XXXX XXXX XXXX, has violated my rights. 

In accordance with the fair credit reporting act convergent Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. 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 2023-03-20
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
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. (NY)

The credit bureaus are reporting negative information on my credit file without due diligence. They are using unverified information from a collection agency. The name of the collection agency is XXXX XXXX XXXX, XXXX. I put a dispute in and by law, the credit bureau should not be reporting negative information under investigation. They should have taken off until due diligence is taken. I sent a letter for validation to the collection agency and they continue to send me generic correspondences. I have sent certified mail with specific questions for them to answer because it is my constitutional right to know what the debt is and how much they paid to acquire said debt. Furthermore, I asked for any contractual agreement between me and said company XXXX XXXX. 
I also sent the credit bureau a certified letter stating my rights whereas they are reporting inaccurate information and should take it off my credit report because it is jeopardizing my ability to get a loan to help my children through college. 
It is an unfair practice for companies to be allowed to report negative information without proper validation. A statement ( a bill ) or a letter from originated creditor is not suffice as validation. I need for said companies to provide the law that states otherwise specifically. Also, would like for my certified letters to be answered directly and not given generic responses and still be liable for invalid information.
Consumer complaint received 2023-03-20
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  This complaint is my follow-up to my earlier complaint to verify the accounts.
Consumer complaint received 2019-05-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

first mark ( telnet ). i have been trying to setup auto debit over the past 3 months, ( i have now called at least twice each month ). but each time i am assured by the CSR after attempting to do it online that it has been setup appropriately, it is still not debiting my bank account. i don't understand why it takes more than 3 months and more than 6 phone calls to get auto debit setup.
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Presto Auto Loans, Inc. (AZ)

Presto tittle Loan I paid off the whole balance of my loan, the next time I went back try to get a new loan, they told me I need to ask credit bureau, some things they report on my credit, even thos I paid it off!
Consumer complaint received 2018-10-22
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. (WA)

Companies- Experian/XXXX. Account.XXXX. Reporting inaccurate information on my credit report since XX/XX/2014 from XXXX XXXX XXXX XXXX XXXX XXXX . Please remove this inaccurate item from my Credit Report as soon as possible if you have no proper reinvestigation proof. Thank you
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (CA)

I just recently uncovered a payment protection plan with my long held Discover card. I found out through an article outlining all the trouble the Discover card had with this plan. People were signed up without their permission. Like us. 

My wife and I never signed up for this added plan. On the phone with the Discover card people, they would not provide evidence that either of us did. I specifically asked for them to send me proof that we signed up. The first person said that they did not have that proof and the subsequent supervisor said they could not because of policy. 

We were covered with a similar plan through work and would not duplicate it with the Discover card. 

They would cancel the plan and refund six months worth of payments. 

This has been going on for 15 years.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CT)

Whenever I apply for credit and I get denied the reason for denial comes up as Serious Deliquency on all of my credit reports. I have been current on all of my accounts and have never been delinquent. This has been an ongoing issue for many years.
Consumer complaint received 2018-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (LA)

I was recently scammed by someone claiming to be a representative of XXXX. I was told to purchase both XXXX and XXXX XXXX cards in order to unlock my XXXX ID that I was having trouble with. Shortly after providing the information, it became clear that I was being scammed. I contacted XXXX immediately thinking that they could reverse the credit back onto the cards so I can get some of my money back but they indicated that they could not. They have to come up with a better way to help people like me. 

My bank is unable to reverse the charges because I technically did make the purchase at the store but certainly XXXX should be culpable for fraud they're permitting to occur.
Consumer complaint received 2018-10-22
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. (FL)

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XX/XX/XXXX and in XX/XX/XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that my XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC (MA)

Hi and How are you? I was looking through my credit report this evening and noticed that there were new collection reported on my profile. I randomly called the company and talked to XXXX at XXXX XXXX XXXX. And he said that it's a medical bill that came from Penerick Capital Partners which came from XXXX XXXX XXXX. I'm completely confused because I never received any notices from any one of these companies and therefore, I need this removed due to FCRA and FDCPA violations. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-10-23
Product: Credit card or prepaid card — Store credit 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: WELLS FARGO & COMPANY (HI)

I made a purchase at XXXX and had a disagreement with manager policy and called XXXXXXXX XXXX XXXXXXXX XXXX to get purchase freeze until I can return phone card back to them. 

The person in Departemnt which I asked to do refused saying this was the companies XXXX XXXX policy to so. 

so with this being the case I would like and investigation.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

To begin with, Freedom Mortgage never responded to my complaint of XX/XX/2018. To repeat my complaint, on or about XX/XX/XXXX, my monthly mortgage was mailed to Freedom Mortgage but as of this moment ( Monday, XX/XX/2018 @ XXXX XXXX ) my check has yet to be cashed. I have contacted Freedom Mortgage many times but each time was told that my check had not arrived, per my complaint of XX/XX/2018 to the Consumer Financial Protection Bureau ( Complaint # XXXX ) I kept calling Freedom Mortgage because I was totally stressed out about their not having received my check. They kept telling me it was most likely the fault of the Postal System. On XX/XX/XXXX I again called but was again told ( name withheld ) that my check had not arrived. I suggested that it might be stuck in the mail room somewhere. I was told that this was not possible because checks are processed as soon as they arrive. Well, I called again on XX/XX/XXXX and was informed by the person who answered ( name withheld ) that my check had arrived on XX/XX/XXXX but was only processed that very day - XX/XX/XXXX! I want to submit a BIG complaint about Freedom Mortgage for their lies and their inability to process my check in a timely fashion. They do this every month, sometimes as late as just a couple of days before the XXXX of the month which is typically the date after which one is charged a late fee. This stressed me out completely because I have a very good credit rating and I do not want this affected by the gross negligence of Freedom Mortgage. I am very sorry that my last mortgage company sold my mortgage to Freedom Mortgage which has not shown to be an efficient or trustworthy mortgage company.