davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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: Bridgecrest Acceptance Corporation (IL)

After reviewing my credit reports I noticed accounts that I didnt recall. My information was compromised and sensitive information as well as personal items and devices were at risk. I would like removal upon investigation of : Bridgecrest XXXX And also any original documentation used to open this account, ID, signature, credit card
Consumer complaint received 2023-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC. (GA)

On XX/XX/23 my robinhood account was restricted after a failed transfer. I had the wrong card added and it declined, but thinking it was the right card I tried XXXX more times and the account locked. The account is stock trading/ spending account where you can trade but also have a card to spend on daily. I had {$510.00} in my account before it was locked and now i cant get to it. I emailed XXXX ; the support email so I could get it unlocked. On XX/XX/23 I got a call back from the support # and was told they needed some documents to unlock. I sent my ID, a selfie to verify to the ID, my social security card, and my bank statements also verifying my name and address. I wasnt given a time frame for how long my account would be locked. On XX/XX/23 I was asked for another bank statement to verify my address and name and also asked for another ID picture and selfie. Its now XX/XX/23 Ive emailed the support team multiple times and have gotten no accurate responses rather prompts. They still cant give me a time frame for how long it will be locked. I need help to at least get my money back if not my account.
Consumer complaint received 2022-05-03
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. (NY)

XXXX  XXXX  XXXX  acc XXXX this account do not belong to me XXXX XXXX XXXX Acc XXXX this acc do not belong to me. 

XXXX  XXXX  XXXX  acc XXXX this acc do not belong to me XXXX  XXXX acc XXXX this acc do not belong tome
Consumer complaint received 2023-08-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC (TN)

This now my second complaint with Title Max as it relates to there aggressive and threating tactics that the XXXX TN office uses when calling clients and there corporate office does absolutely nothing to resolve the problem. On XX/XX/2023. I received a call from XXXX at the XXXX office demanding in a very aggressive manner that I did not pay here today that there could be repercussion. I advised her that I would be able to make payment on Monday and she continued on with her threating tone and I advised her that I would contacting her corporate to let them know that its wrong to talk threaten people and she told me to call the office because they would tell me the same thing. I called back to get her name and told her that I was going to opening up at ticket with the CFPB and she told me she didn't care because she is certified through the CFPB and she told me to never call her again
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

As of XX/XX/XXXX of XXXX I XXXX XXXX have not been able to reach a resolution to significant reporting errors within my consumer reports provided by XXXX and reported by Wells Fargo Bank NV NA and Wells Fargo Home Mortgage. 

Wells Fargo Bank NV NA is reporting a Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX  ) discharged through Chapter XXXX Bankruptcy, I had filed this Chapter XXXX bankruptcy on XX/XX/XXXX, confirmed on XX/XX/XXXX and completed and discharged on XX/XX/XXXX. 

However this account as well as several other accounts were not allowed or were not part of this or any other bankruptcy ( see included documents ). Wells Fargo Home Mortgage is reporting that the account in question is open and past due 180 days. The debts in question were settled or paid on XX/XX/XXXX in the sale of the property in which the Wells Fargo Bank NV NA Home Equity Line of Credit ( Revolving ) ( I never had an Equity Line of Credit with Wells Fargo, only XXXX XXXX ) and Wells Fargo Home Mortgage Conventional loan were associated with ( see included documents ) and again this was not part of the Chapter XXXX bankruptcy or any other bankruptcy. 
I am asking the CFPB to assist in getting these issues resolved as they are preventing me from gaining a fair rate mortgage on the property I am currently residing in. If a resolution can not be reached within thirty ( 30 ) days of this complaint being submitted by the CFPB to the named parties or this complaint is closed without significant and meaningful response from XXXX and or Wells Fargo Bank NV NA and or Wells Fargo Home Mortgage, I will be forced to take legal actions under the FCRA and FDCPA laws and regulations including but not limited to damages, injuries and or financial burdens occurred. Since I have made several attempts to resolve these issues with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage, I am only to assume that this is a willful intent to disregard or ignore my previous complaints. This is my final notice to XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage in regards to these specific complaints before taking legal action. 
Included with this complaint is my bankruptcy creditor ( s ) allowed schedule, letter of discharge, Release of Mortgage, Closing Disclosure, Credit report ( s ) with discrepancy in reporting, letter of payoff or paid in full and no balance due, previous correspondences with XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage also included is XXXX, Wells Fargo Bank NV NA and Wells Fargo Home Mortgage responses to the aforementioned correspondences and this formal complaint letter.
Consumer complaint received 2022-09-06
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. (MO)

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 


XXXX XXXX  XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Hello I have tried to dispute this debt for some time now my identity was stolen after a horrible car accident I was involved in my car blew up on impact and I was air lifted to the XXXX along with my XXXX XXXX XXXX daughter at the time. This is one of those accounts that was opened under my name. The first dispute was a little over a year ago and it came back verified accurate and resolved in 3 days the company says the reviewed everything and that the debt is mine. I tried to dispute this again a week ago and they finally removed it from my credit report it dropped my report down by 23 points for removing the negative remark. I check my credit report again and this same debt shows up on my report dropping it another 7 points because of the negative remark. Im not sure what game this company is playing but its hurting my credit really bad I just got denied a rental home because of the issues caused by this company and my credit dropping so many points to just have this incorrect debt added back on my report causing more harm this is horrible and seems illegal I would like help resolving this matter thank you very much for your help.
Consumer complaint received 2020-12-17
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: Credit Plus Inc (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, CREDIT PLUS add a hard inquiry on my credit reports perXXXX XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

XXXX XXXX reported to the IRS on XXXX for XXXX that I paid {$1300.00}. The amount of interest payments I actually paid in XXXX was : {$4700.00}. 

I reached out to resolve the tax information issue multiple times in early XXXX until the tax filing deadline. I was told on XX/XX/XXXX via email ( see attached ) that it will be corrected in the next XXXX XXXX. I filed my XXXX tax return only reporting {$1300.00} in interest paid hoping XXXX XXXX would resolve the deficiency. 

It did not.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NC)

I sent {$12000.00} USD on the XXXX of XXXX from my XXXX XXXX bank account through Wise to XXXX. This fund was supposed to be available in three day but never came through. I am still waiting on the funds till date. 

On XX/XX/XXXX, I requested for an XXXX from Wise to figure out where this funds where and also to send to my recipient bank. They took 7 days to respond to me and when they did and the XXXX was sent to my recipient bank. My recipient bank noticed that the intermediary number they used was not one they use and in that case would not work again. I have been calling Wise twice every day since the XXXX of XXXX to find a solution but nothing was done. I was only sent to customer service with a promise that the payments team would call me. 

On XX/XX/XXXX, I ask them to recall my funds and send it back to me. It took them till the XXXX of XXXX to respond back saying they have initiated the recall but can guarantee my fund. I am beyond appalled by this. 

On the XXXX, I realized the funds was sent from Wise to their partner bank ( XXXX XXXX ), XXXX XXXX sent this to XXXX XXXX XXXX  based out of XXXX. Since my recipient bank never got this, I have told them the money is probably stuck with their intermediary bank. All efforts have proven abortive. This was an emergency fund and its been a month, without any proper guidance on how I would be getting my money. I also have all the corresponding emails I have sent to them
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I have already contacted XXXX. They say that in XXXX  2023, the government put in " suppression '' so they can not update credit reports at all. My transfer of the entire balance to XXXX took place in XXXX 2023. XXXX says to file a complaint with StudentAid.gov. I did that today also. XXXX says it is impossible for them to update the XXXX credit reporting agencies that my balance is XXXX. XXXX XXXX shows a balance of XXXX. It is affecting my credit rating. My credit reports all show that I owe XXXX this amount of money, when in fact I do not. I have worked in public service for XXXX years and much of my XXXX loans held by XXXX has been forgiven. I only owe XXXX XXXX. I owe XXXX XXXX.
Consumer complaint received 2022-08-18
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. (KY)

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX XXXXXXXX
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Experion has been reporting to XXXX XXXX XXXX that I have accounts that are NOT MINE - they are XXXX, XXXX XXXX  and XXXX XXXX -i lived in XXXX XXXX , XXXX  where there was ANOTHER XXXX XXXX - my initial in my middle name is XXXX and someone she got my social security number because the USPS delivered wrong mail ( mine ) to her and hers ( to me ) - i filed a report with the XXXX XXXX police department and listed the ones that are NOT mine which are the ones Experion is reporting to XXXX impacting my ability to get an apartment. Because Experion will not work with me to correct this problem and remove these from my account - it totally stops my life I'm XXXX years old and was just relocating to XXXX to start a new life after getting a XXXX XXXX  and a chance to live again - this was after many many years of XXXX  and not working - not living - and now Experion has again made my life impossible I've lived 20 years of health issues and now when I'm healthy once again - I am stopped by someone elses issues - Experion will not let me file a dispute because they believe the information to be correct because it has all my personal information -- yes it does because this other person got all of the information when the USPS delivered my mail to this other persons ' home address and because of her dishonesty - I am the one who is suffering. I'm not saying that I've not had financial issues I have - I had not been able to work for many years and lived on SS but when I could work - I went back to work immediately - saving money to be able to pay for my medications that are expensive as well as saving to move to XXXX   there has to be something that someone can do to stop experion and the other credit bureaus from destroying people 's lives based on information they do not know to be correct ... they are guessing because the information matches only because of identity theft. So at XXXX I once again will be homeless and have nothing because I sold everything i own to be able to move to XXXX and start a new life -- this has to stop somewhere doesn't it -- you get sick with XXXX XXXX, go on XXXX, lose your job, can not work, and someone takes your identify and has a field day -- and I lose.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received notice that my account was due to be closed on XX/XX/2022. I made a request for a replacement card on XX/XX/2022 at XXXX pm. I was given the assurance by the representative that the account would not close with the request for a new card. Nothing was told to me that the time limit still was in effect and that the card would need to be used almost immediately after arrival. Furthermore, the email stated the card should arrive by XX/XX/2022, but they closed the account on XX/XX/2022, not even allowing for their window for card delivery times to complete.
Consumer complaint received 2019-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services (CA)

I have a account in collects stating I owe money for a hospital visit at XXXX XXXX XXXX XXXX for a total of {$100.00} with sequoia financial services. I have never been with or used this office. I have contacted Sequoia via phone on several occasions each time they were not able to find any info when i gave my name XXXX XXXX and social security however it remains on my report. I finally was able to speak to a supervisor on XX/XX/2019, XXXX XXXX, he instructed me to email all the info, a copy of the information on my credit report, which i did, i have since not been unable to speak to him and no one else can help me.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CA)

I RECEIVED DEBT COLLECTION LETTER FROM JEFFERSON CAPITAL SYSTEMS, THE LETTER WAS AN OFFER TO PUT THE COLLECTION AMOUNT ONTO A NEW CREDIT CARD, WHICH WOULD FORGIVE A PORTION OF THE DEBT. WAS REALLY CONFUSING. I WROTE JEFFERSON A LETTER REQUESTING VALIDATION, NEVER RECEIVED A RESPONSE. I RECEIVED ANOTHER LETTER TO PUT COLLECTION AMOUNT ONTO A CREDIT CARD, AGAIN WAS CONFUSED ATTEMTPED TO VALIDATE DEBT VIA A MAILED LETTER. NO RESPONSE AGAIN. 

XX/XX/XXXX FIRST LETTER RECEIVED XX/XX/XXXX SECOND LETTER RECEIVED XX/XX/XXXX 1ST VALIDATION LETTER MAILED XX/XX/XXXX XXXX VALIDATION LETTER MAILED NO RESPONSE NO OTHER COMMUNICATIONS RECEIVED XX/XX/XXXX MY WIFE WAS HANDED A SUMMONS FOR ME FOR THIS DEBT.
Consumer complaint received 2022-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

IN XXXX XXXX showed a debt for City of XXXX XXXX XXXX in the amount of {$9500.00}. I contacted the hospital and was advised that no debt was showing owed and it was removed. Unfortunately, when this showed up again on my credit report ( under under the debt collector CMRE ), I contacted the hospital and they were unable to locate my account by name, social or address so I contacted CMRE and t/c w/XXXX-Rep # XXXX on XXXX, I advised her that I had XXXX at that time and she advised to Fax XXXX Doc to # XXXX w/acct XXXX XXXX XXXX This task was complete same day. On XXXX I called CMRE to get an update and the first rep took my name, verified my account and then disconnected the call. I called back and spoke with a rep named XXXX and she stated that XXXX XXXX XXXX denied the claim. I stated that I didn't have united health care at the time and my XXXX document was faxed over on XX/XX/XXXX. As I tried to explain the history of this account, I was told by XXXX in a rude manner that I " needed to allow her to speak ''. She was beyond rude beyond words as if I was an inconvenience. She said that the XXXX document was not located and to resend it again. This time I was told to e-fax the XXXX document to XXXX and I did this same day. On XXXX I called XXXX again to get an update, this time I spoke with a rep named XXXX and was told that my fax was uploaded on XX/XX/XXXX and no action has been taken. She stated that the document was " locked ' and she was unable to review it but according to the notes NO action has been taken nor has my account been reviewed. I have done everything this company has asked of me and when I try to get an update, I am either disconnected, treated in a rude manner and no one will help remove this from my credit account nor take any account to file a claim with my insurance that I had at the time which was XXXX. I'm asking for assistance as this has been on-going since XXXX and CMRE as a company is non-responsive and their customer service team members are rude and abrasive.
Consumer complaint received 2019-04-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (PA)

I am a military member in the XXXX XXXX. My military benefits include {$50000.00} of student loan repayment. I have GATE loans with AES/PHEAA as the servicing agency and National Collegiate Student Loan Trusts as the lender. The XXXX paid {$5200.00} towards my Gate loans in XX/XX/XXXX and {$5300.00} in XX/XX/XXXX. These payments go towards principal. When I was on XXXX XXXX orders for training and XXXX the last two years, I had no problem deferring my loans. Now I am on an accelerated repayment schedule, they are trying to make me payback approximately {$2000.00} a month on approximately {$25000.00} in Gate Loan debt when I still have four more years of SLRP principal payments plus one additional year of partial payment of approximately {$2500.00} that the government will pay on my behalf. I have been trying unsuccessfully to change my payment terms to interest only, so that I do not have to pay back money that the XXXX will be paying off on my behalf. AES has stated that National Collegiate Student Loan Trusts have been non-responsive and/or will not grant my request. I have faxed them two different letters and have spoken on the phone countless times. I am an XXXX Veteran who has earned these military benefits. The fact that these companies will not work with me to allow me to use the benefits is unacceptable. By changing my loan to interest only, the lender has the best chance of getting their money. I have not found a way to contact NCT Directly. AES has been horrible on the servicing. Everytime I call into AES, I get a different person and have to explain my situation all over again.