davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-10
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. (GA)

I recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged CH-XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, XXXX XXXX XXXXXXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXXXXXX BANK XXXX XXXX XXXX. XXXX XXXX. XXXX  XXXX BANK XXXX, XXXX, XXXX XXXX XXXX.
Consumer complaint received 2019-02-10
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 recently went to a credit counseling class for home buying. I ran my credit report and i see unauthorized items that i do not recognize on my report I did not authorize these items on my credit report and i wantthem removed. I'm doing this on my own and did contact the ftc and the local police. Bankruptcy : Discharged CH-XXXX, Bankruptcy chapter? -discharged, Chapter XXXX bankruptcy discharged, 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
Consumer complaint received 2019-02-10
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. (AL)

I reviewed my credit report recently and notice some items that i did not authorize. I did not authorize these items and I need these items removed from my credit report. This is totally unacceptable. N/A ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 10 XXXX XXXX XXXX XXXX. 11 XXXX, 12 XXXX XXXXXXXX 12 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. I'm doing this on my own behalf. I contacted the Ftc and my local police.
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OH)

I payed a bill from XXXX XXXX to Wells Fargo for XXXX bank to bank send XX/XX/2022 they keep saying they never received it but XXXX send it wells Fargo calls XXXX XXXX a liers receive a letter dated XX/XX/2022 saying they received it but when you call wells Fargo they say they havent iam having XXXX check and see whats going on
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (TN)

For many smooth years, I paid {$300.00} on the XXXX of every month to XXXX for my XXXX credit card using autopay from my credit union account. Then the process fell apart when Marcus Goldman Sachs recently bought the XXXX XXXX credit card XXXX. I carry a balance on my XXXX credit card which transferred from XXXX to Marcus in XXXX, XXXX 

Since Marcus took over, it has been a continuous nightmare because Marcus takes autopay deductions but fails to credit my account, e.g., Marcus took {$300.00} on XXXX, another {$300.00} again on XXXX, {$300.00} on XXXX, {$40.00} on XXXX and {$20.00} on XXXX. The lesser amounts are a complete mystery. 

Oddly, I did receive a {$300.00} refund on XXXX so someone at Marcus must have recognized the double autopay in XXXX was wrong but nothing else was corrected. 

Since XXXX I have called Marcus customer service but not received help. Eventually, Marcus filed a dispute to do an internal investigation which resulted in an email notifying me they were unable to locate my XXXX payments. No follow up, no offer of help. 

I restated my case at least 12 times on at least five different days to Marcus customer service reps and supervisors. My credit unions customer service rep has joined two separate hour long phone calls with me to Marcus but to no avail. One Marcus rep who couldnt take an electronic upload suggested I send my proof=checking statements via regular mail to To Whom It May Concern at their XXXX branch XXXX I even did this but no response. 

On XX/XX/2022 I filed a complaint against Marcus with the XXXX XXXX XXXX XXXX XXXX  ). This was the only way I got a response from Marcus. Mediated by XXXX, I got a partial refund from Marcus equal to interest and late fees all erroneously charged because Marcus failed to credit my payments. Marcus still owes me the {$660.00} principal which they autodebited from my checking account but did not credit to me on XXXX, XXXX, XXXX and XXXX as detailed above. To protect myself, I had to close my checking account to get the Marcus autodebits to stop!!!!!. 

The last communication from Marcus in XXXX through XXXX instructed me to file a dispute with Marcus through my credit union for the {$660.00} which I did. At that point, XXXX  emailed me : " While we regret we were unable to reach your desired resolution, the business has provided XXXX  with its position. '' Then XXXX closed the complaint! I am grateful for the XXXX  but looking for Consumer Financial Protection Bureau to finish what the XXXX could not. 

In XXXX I got voicemails from a Marcus manager who was " looking into it '' but no number to return the call! I still do not have the refund of {$660.00} or any way to know it is in process. Seriously? Marcus has no alternate expedited way to rectify their mistakes which date back to March but to use ( from my point of view ) an untraceable dispute process which leaves me waiting in the dark in XXXX?
Consumer complaint received 2022-11-30
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 sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$230000.00}
Consumer complaint received 2019-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

I was buying hockey tickets off of XXXX. I used the app XXXX, backed by my PNC bank account. I sent the transfer over of {$400.00} on XX/XX/19 for the 4 tickets. I never received the tickets. 

I Immediately contacted my bank to dispute the transaction, they said they were unable to do anything. 

I went to the XXXX county maryland police department on XX/XX/19 and they refused to file an investigation
Consumer complaint received 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I went into a car dealership on two occasions and they ran my credit without authorization. In order to get these inquiries removed from all three credit bureaus, they provided me a correctly formatted letter with all relevant information and all three bureaus refused to remove the inquires. They claim I needed to file a police report showing identity theft, otherwise the lenders would have to contact them direct and they have all refused to do this also.
Consumer complaint received 2019-02-10
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: Credit Wise Recovery Solution LLC (TX)

XXXX  XXXX XXXX  and XXXX credit card are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

XXXX is working with XXXX XXXX and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from XXXX.
Consumer complaint received 2019-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Wells fargo had a world wide system failure on XX/XX/XXXX and XX/XX/XXXX and my pay day was XX/XX/XXXX. Although there was no issue with my direct deposit there was an issue when I tried to get gas and other items such as groceries and lunch that day. Nor was cash avaiable via ATMs. They were issuing a courtesy inconvienece fee which they did not disclose to anyone, I had encountered a friend who also was with WF and told me. I called today XX/XX/XXXX one day after to incident waited over an hour for them to not be sympathetic and tell me I could not receive the inconvienece fee although I was inconvieneced. They transfered me to another person only for them to say the same thing. I have XXXX children and a job I have to get to every day and caused a major inconvienece as sadly, I do live pay check to paycheck and am the sole financial provider for my XXXX kids and significant other. My significant other even had to ask his parents to borrow necessities like toilet paper and food until for the day and our cards surprisingly worked later that day.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (TX)

In XXXX of XXXX, XXXX XXXX XXXX XXXX came to my home to troubleshoot a problem with my XXXX refrigerator. The technician who came did not do anything or order parts, and did not provide a detailed invoice with the services completed during his visit. I was charged {$100.00} for unknown services, which I disputed right away in XXXX, XXXX, and now XXXX. XXXX XXXX XXXX has referred my amount due to The Receivable Management Services, LLC in XXXX, and has denied my dispute. In the pictures shown below, there are no copies of an invoice or receipt for any work completed. I have been a customer with XXXX for over 15 years, or longer, and I have always received an invoice to sign whenever a technician came to my house to fix my refrigerator or washing machine and dryer. Someone has always been present at my house to let the technician inside, and has always been left with a receipt. This is the first time they have either attempted to scam me, coerce/extort me into a payment, or invalidate my dispute.
Consumer complaint received 2019-04-03
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. (NV)

Spoke with a supervisor of Equifax named XXXX. XXXX stated I needed to request an update of my last name. I am requesting a update on my last name. My last name is XXXX not XXXX. Please update and remove XXXX. Equifax do have my documentation from previous dispute which is a copy of my utility bill and my social security number. I called XXXX.
Consumer complaint received 2019-02-10
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One prepaid and XXXX credit card are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

XXXX is working with Capital One and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from XXXX.
Consumer complaint received 2019-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AK)

I have worked for the same employer, which is a XXXX XXXX, since XX/XX/XXXX. I consolidated my oldest student loans into two loans with a combined balance of {$100000.00} on XX/XX/XXXX, and I have been making my monthly payments under the IBR repayment plan, which qualifies for the PSLF program, ever since. I have completed multiple Employment Certification forms that certify my employment back to XX/XX/XXXX, thus proving my PSLF eligibility for every single payment I have made on these two loans. 

However, the number of qualifying payments FedLoan Servicing shows on my loans is incorrect. The data shows I have only made 54 qualifying payments and am not eligible for forgiveness until XX/XX/XXXX. However, according to my records, I have made 90 qualifying payments and am eligible for forgiveness in XX/XX/XXXX. 

I have submitted multiple requests through the FedLoan Servicing website, with the last two being on XX/XX/XXXX and XX/XX/XXXX, requesting that the qualifying payment information be corrected. I have also made multiple phone calls to FedLoan Servicing requesting the same. The most recent emailed response I received was on XX/XX/XXXX, which stated, " Please allow ample time for this request to be completed due to the amount of extensive research involved with counting qualifying payments. '' While I understand my request takes time, it has been going on three years since I noticed the incorrect information and brought it to their attention. I am making changes in my career within the next 2 months and I require confirmation of the number of qualifying payments I have made and when I am eligible to apply for loan forgiveness. I have been unsuccessful at getting this information on my own, have allowed more than ample time for research, and now need to escalate this problem to a formal complaint in an attempt to resolve the incorrect information on my account.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

A banking error/fee problem exists with legally established guardianship account, I am the legally appointed guardian on said account. Unknown to me, on or about XX/XX/XXXX, the banking institution decided to place a block on the account, preventing account transactions. The banking institution is already aware that the individual listed on the account ( XXXX XXXX XXXX ) has passed on XX/XX/XXXX. On or about, XX/XX/XXXX, a monthly pension payment was deposited in the aforementioned account. The union has attempted to recoup this payment made by mistake to this account, however, has been unsuccessful due to the block placed on the account. On or about, XX/XX/XXXX, the banking institution has started charging a $ XXXX   monthly fee based on minimum balance requirements not being met. Be advised, that since the primary account holder has been deceased that this amount needs to be refunded. Further, service charges should not post to the account.
Consumer complaint received 2019-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

Fay Servicing started servicing my mortgage in XX/XX/XXXX. Fay service illegally added property tax debt to my mortgage without legal cause. The amount changed my monthly payment from {$1000.00} to {$1300.00}. They wrongly placed my line 3 months late and in fact I was only 25 - 30 days late causing credit rating of late and none payment to race credit risk and low credit score. This company has reported incorrect information too XXXX   and other credit company. Please not how there is no request from Fay for new loan, but my mortgage payment per month has changed 4 times since XX/XX/XXXX with this company falsely. Even as late as today, wrong information is reported, they are still reporting my monthly of {$1100.00} which is wrong. My monthly payment has been came for years in the amount of {$1000.00}
Consumer complaint received 2023-07-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Cottonwood Financial Ltd. (TX)

I received a letter from Cottonwood financial on XX/XX/2019. Cottonwood financial claims they have investigated my claim and came up with the resolution that it belongs to me. They are stating they have internal loan records. I spoke to the representatives on the website and can not get a hold of anybody. I need all documentation that cottonwood financial has because I have never seen it nor have I applied with this company. I am a victim of identity theft and can provide documentation.The letter provided to me has a number that is disconnected. Please send me all the information that is bearing my signature and all documentation is attached to my name.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

i wrote letter requesting report from Experian they demand proof of a permanent address. I travel around in a motor home & do not have a permanent address... I only have a mail drop of a relative in the State of minnesota..Experian will not supply me with a copy of my credit report.
Consumer complaint received 2019-02-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GreenSky, LLC (FL)

I had a one time service come out for pest control and that was paid. Two years later an account shows up on my credit and they contact me to start making payments. This is from the actual company and not a collection agency. I contact them and they tell me I owe {$1700.00} and scare me into making payments even though I tell them I do not know what this is, I did not want my credit affected as I am trying to buy a home. My son talks to me and I decide to contact them again because I do not owe this bill and they scare me so I make more payments. My son then has me get a copy of the contract and they send me a contract with verbiage blacked out in the body of the contract and tell me its for my protection. It also has a signature that looks similar to mine but you can tell it is not. Also the initials are electronic and I never signed any of this or agreed to it. I have called mulitple times to resolve and they are very mean and upsetting. This is affecting my credit and I do not know what to do. My son helped me dispute on credit im not sure if that will help. If they are doing this to me they must be doing it to others. Please help me I do not know where to turn next. I feel they are taking advantage of me because of my age. thank you.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Law Offices of Robert A. Schuerger Co., LPA (CA)

Schuerger Law Group contacted my employer regarding a debt on XX/XX/22. 

I called and spoke with XXXX XXXX 's from Schuerger that same day. I informed XXXX XXXX 's that he was not to call me or my employer, and that the debt was past the statute of limitations. XXXX XXXX 's disconnected the call. 

I emailed Schuerger at their public email to reiterate my request that they cease contact. 

They have since persisted in their harassment by calling other coworkers at my employer.