davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I settled my account for less with Wells Fargo Dealer Services when they agreed to take {$14000.00} as the payoff of my auto loan account # XXXX by XXXX XXXX in XXXX, Minnesota XXXX who can be reached at ( XXXX ) XXXX. In XX/XX/XXXX Wells Fargo started reporting that we had not settled and that they had charged off the remaining balance of {$9100.00}. the Wells Fargo representative spoke with myself and XXXX XXXX who is the XXXX XXXX employee who processed the sales of the XXXX XXXX XXXX and provided the payoff to WFDS in order to settle the account. I was told verbatim that they would not report the remaining balance as charged off because opposed to turning the vehicle over to WFDS I had gone out and got an offer from XXXX XXXX for {$14000.00} that they agreed they would accept to settle the account. I mailed my complaint about this matter to all 3 major credit bureaus by certified mail on XX/XX/XXXX, in which I have already received correspondence from XXXX that they have started the dispute as they are required to within 30 days by law. On XX/XX/XXXX XXXX send me a letter saying that they could not process my dispute because I had not provided sufficient information, or that the documents were not legible. I am attaching all documents to this dispute and you will see that not only did I provide all information necessary to initiate my dispute, but that it was absolutely legible. I am about to go through a background a check for a new job and I will not hesitate for even a moment to sue WFDS and XXXX to the full extend of the law if this is not corrected IMMEDIATELY as this is fraud on behalf of Wells Fargo which they have shown us all they have no problem with, and this could also result in a failed background check if this remains on my credit report in which I would sue for loss of wages as well. I recommend the XXXX and Wells Fargo do not take this complaint/dispute lightly or try to delay correcting false information any further or I will have my attorney be the next person to take action. We are so thankful that Wells Fargo has recorded all phone calls on my account so that if I am forced to bring them to court they can help us verify that the statements above are truthful. Please remedy this inaccuracy immediately. I am simply shocked appalled and offended to see Wells Fargo trying to get away with this even after they just defrauded millions of Americans. XXXX received my dispute via certified mail with return receipt, no later than XX/XX/XXXX so the clock is ticking until 30 days is up. Please do n't make me escalate this any further as I will be submitting a complaint with the FTC today as well. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-05-19
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. (WA)

I noticed two hard copy pulled on my credit report without my consent one from  XXXX XXXX, and another from a XXXX XXXX XXXX, on XX/XX/2018, that I did not give permission or consent to do. This dropped my score to XXXX, and I want this corrected, so my scores will be raised back to where it was or higher.
Consumer complaint received 2018-05-19
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: Experian Information Solutions Inc. (FL)

Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MA)

There is a bankruptcy chapter XXXX on all three of my credit reports, XXXX, XXXX and Equifax claim that the data furnisher for this bankruptcy is the United States Bankruptcy Court but I know that is incorrect, I contacted the Bankruptcy court where I live and I was told by the Clerck that the bankruptcy court do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another  company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy Court as proof.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

There is a bankruptcy XXXX  XXXX on all three of my credit reports, XXXX, Transunion and XXXX claim that the data furnisher for this bankruptcy is the United States XXXX  XXXX but I know that is incorrect, I contacted the XXXX XXXX where I live and I was told by the Clerck that the XXXX XXXX do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy XXXX as proof.
Consumer complaint received 2019-10-01
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (CA)

The amount {$1400.00} was charged on my personal checking account on XX/XX/19 for a business auto loan is 13 days late without authorization from me. The customer service representative said that these charges were because of a collection. I was never notified that this collection had occurred.
Consumer complaint received 2018-11-01
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. (HI)

" " '' I have disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

There is a bankruptcy chapter XXXX on all three of my credit reports, Experian, XXXX and XXXX claim that the data furnisher for this bankruptcy is the United States Bankruptcy Court but I know that is incorrect, I contacted the Bankruptcy court where I live and I was told by the Clerck that the bankruptcy court do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy Court as proof.
Consumer complaint received 2022-06-27
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: WELLS FARGO & COMPANY (IL)

In Accordance to The Fair Debt Reporting Act. Wells Fargo Bank violated my rights. 
Account number : XXXX XXXX, XXXX XXXX, closed ( 2017 ) ( 5 ) years ago. 
With NEW ACTIVITY negative, abusive, inaccurate remarks reports every ( 2 ) weeks. 

15 U.S.C 1681a ( 4 ) Consumer rights to privacy and my address is a private matter. A violation of my rights. 

Wells Fargo Bank had informed me, that I had been a victim of Data Breach in there system. A data breach has confidential, sensitive and protective information that were viewed and shared by others without my permission. A violation of my rights. This is illegal and should be removed immediately. 

According to the IRS Form 1099c must be filed regardless of whether the debtor is required to report the debt as INCOME. The IRS states : Obtain a 1099c and it must be filled as income. Income is not reported on a consumer report. Charge offs, once a charge off is filed it is supposed to be put on your taxes as part of your income, as ordinary income. A status of a charge off reporting is an inaccurate reporting of Wells Fargo Bank. Wells Fargo Bank reporting income as a charge off is ILLEGAL and violates MY RIGHTS and IRS LAWS and should be deleted immediately. 

15 U.S.C 1692b Harassment or Abuse : A debt collector may not engage in any conduct the natural consequences of which is to harass, oppress or abuse any person in connection with the collection of debt. 

15 U.S.C 1692c ( a ) Communication in connection with debt collection. Without the prior consent of the consumer given directly to the collector. ( Wells Fargo Executive RepXXXX XXXX XXXX ext XXXX ) left messages stating she was personally assigned to resolve these inaccurate issues. Soon after Wells Fargo Bank, abusive inaccurate reporting has doubled. New negative remarks have been reported, causing even more damage against my profile. 

15 U.S.C 1681c ( A ) ( 5 ) Adverse Item : No consumer reporting agency can produce any adverse information. Which has caused my homeless and I lost a job. 

15 U.S.C 1692 Advertising of Debt to coerce a payment. Negative documentation. A violation of my rights. 

15 U.S.C 1692 ( a ) Congressional findings and declarations of purpose : There is abundant evidence of the use of deceptive and unfair debt collections practice by many that contribute to personal invasion of privacy. A violation of my rights.

15 U.S.C 1692f Unfair practices a collector can not may not use unfair and unconscionable means to collect or attempt to collect any debt ( 1 ) reporting open credit limits to {$600.00}.

15 U.S.C 1692e ( 2 ) ( a ) False or Misleading represent False representation of amounts or legal status of any debt. The character, amount, or legal status of any debt.
Consumer complaint received 2019-07-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO. (NJ)

A few years ago I leased a vehicle from Ford, and upon the return of the vehicle they mentioned that I will have to owe some money due to over milage and some damage to the car. I was totally fine with that, and knew that was something I would have to be doing. As i closed my account with them I gave them my new contact information as I have moved and got a new phone number. They said 'Corporate ' will bill me after they take a look at the vehicle. 2 years later I find out I have a delinquency on my credit report because I got a notification from XXXX that my perfect credit score of XXXX went to XXXX overnight. I research even more, I call ford and ask what happened, and they said " your case is with a legal team now '', I called the third party law firm, and apparently they have been trying to contact me for 2 years and I didn't hear a thing. The only reason i called them was because of my XXXX report that they jsut posted to the credit bureaus on XX/XX/18. Had I known, i would have paid this off immediately. I did pay it immediately, but now I am penalized becuase no one contacted me? I reached out to ford again after the payment went through and they told me they had no phone number on file for me, and my old address. I called the ford dealership in my town, and they have all the correct contact information. How does corporate not have my information, yet the individual dealer does, and no one was able to call me about this issue. Now I have to pay hundreds of dollars to have an attorney try to remediate the situation.
Consumer complaint received 2021-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Happy Money, Inc. (CA)

My complaint is that Payoff Inc by Happy Loans should not have closed my online access for my personal loan. 

On XXXX  my bank cleared {$3900.00} as the payoff amount. The following days I could not access my account to confirm if my balance updated to XXXX. 

I reached out to customer service for assistance and they advised that my online account access was closed and it takes up to 48hrs to process any Final Statement. 

I am very frustrated because I am trying to close a home loan and all I needed was an online activity showing my balance of XXXX. The practice of disabling the online account has disrupted how soon I could close my loan and risk of not meeting my escrow timeline. 

As of today, I still have not received a Final Statement or received any indication that my balance is XXXX.
Consumer complaint received 2019-07-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NV)

lost my job in XXXX, contacted XXXX XXXX Credit card that I was a consumer with for almost 27 years, with an outstanding history, wanted them to close account and give me deferment.There is no such thing as deferment in the world of credit cards, only payment plans. Without an income there is no money for a payment plan. I insisted they close the account so not to accrue any extra charges.I had a credit limit of {$7000.00} and was below it!! at {$3500.00} I made my last payment in XXXX when my savings ran out. I sent a dispute letter on XX/XX/2018 when I noticed they lowered my credit line to {$3000.00} from {$7000.00} putting me over my credit limit and my card was still open. They were now not only charging me over the limit fee 's, they raised my interest and were also charging late fee 's Exactly why I asked them to close the card. except I had no I dear that they could lower my credit line to deliberately put me over it to charge me extra unwarranted fee 's, a 27 year customer!!! I then disputed the account with the credit bureau for XXXX reported inaccurate. ( Which is how I disputed it twice. INACCURATE ENDING BALLANE!!! it should have been closed in XXXX, It should not have been over the credit limit!! all late fee 's and over limit fee 's and higher interest rates are inaccurate!!!! making amount owed wrong!!! ) They have it reported that they closed it.yeah they closed it ... .7 months after I asked them to. in XXXX??? that my credit limit was {$3500.00} yet my balance is {$3900.00} NO my credit limit was {$7000.00} and NO my ending balance is not {$3900.00}. Yesterday I receive a reply from them. regarding my last dispute. And that they reviewed my file and believe they have reported everything accurate to the agencies so it will stay as is. I have never not paid my bills. I am almost 60 years old and having a hard time finding a job. I was in CONSTANT contact, paid for 3 months after losing my job when this company did nothing to work with me! and I mean nothing! asking me for over {$200.00} a month without a dime coming in and then to put me over my own credit limit, being spoken to like i was the lowest of life forms, Being told don't worry we'll just sue you!!! to jack up my bill with false fee 's, I don't believe that's any where close to fair debt collection practices. And on top of all this, they close the account as a profit and loss, so they will now use it as a tax deduction ( why cause after 26 years of never even being late on a payment they made a fortune of interest off me already ) and we all know they need a tax deduction to off set all these millions in fake fee 's not only do I think it's against FDCPA i think it should be criminal!!!
Consumer complaint received 2019-07-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE (OR)

I purchased 4 money orders from Western Union XX/XX/XXXX at a XXXX grocery store in Oregon. I then mailed these 4 money orders to the IRS for payment on my 2018 taxes. All 4 of these money orders were rejected by IRS with a 2287 tax form " refer to Maker ''. The money orders were rejected for non sufficient funds I was told when I contacted the IRS. I then called Western Union and was told that I would need to fill out a money order customer request and they would see if they needed to reissue new money orders. In the mean time I have penalties with the IRS for the NSF money orders that Western Union will not pay.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have hard credit inquiries on my credit report that I didnt authorize. I need ALL of them removed since I was a victim of identity theft ; 15 U.S.C 1681G Law violation.
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

On XX/XX/2019, I received a PSLF Qualifying Payment Update from FedLoan Servicing for the period between XX/XX/2019 and XX/XX/2019. On the document, FedLoan Servicing has identified 4 total qualifying payments on loan sequences 1 and 2. Given that my loan payment occurs monthly on the 11th of each month, five repayment dates occurred between XX/XX/2019 and XX/XX/2019, and my total qualifying PSLF payments in this letter should reflect 5 instead of 4. On XX/XX/2019 at approx. XXXX EDT, I called FedLoan Servicing and spoke to XXXX ( employee ID XXXX  ). XXXX informed me that FedLoan 's count of my total qualifying payments was wrong and should have been 5 but was inaccurately being counted because FedLoan failed to send a bill for XX/XX/2019. XXXX informed me that the problem would be fixed but he was unable to fix it and had to request an additional review. XXXX did not provide me with any timeline nor a case number. He told me he could not tell me when the error would be fixed. I called FedLoan again on XX/XX/2019 at approx. XXXX EDT and spoke to XXXX ( employee ID XXXX ). XXXX informed me that the case was still pending review and provided me with a case number. He once again told me that he could not provide any timeline as to when the problem would be fixed.
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

I have been waiting over a year for my payment count for PLSF to be reviewed by Fedloan. I applied for a short term forbearance in XX/XX/XXXX and all payments that I made during residency training prior to XX/XX/XXXX were not counted due to a technical error ( wrong date entered ) on the short term forbearance form that was filled out in XX/XX/XXXX. My payment count is off by roughly 20+ per my calculations. 

The forbearance form asked for dates that I was in the training program, which I entered as XX/XX/XXXX-XX/XX/XXXX. I  filled this form out in XX/XX/XXXX so I could forbare for less then 1 year while I transitioned from resident to getting my first job. Fedloan interpreted the forbearance form to mean that I was requesting a " retroactive forbearance '' for the entire time I was in the training program, even though I had been making payments before the forbearance was requested. So the payments that I had already made that were counting towards PLSF were then taken away from me. 

Of note, I resumed making on time payments in XX/XX/XXXX.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (TN)

I have no balance due with the referenced biller. No debt validation has been received. The company has been advised not to contact me by any means other than USMail, but continues to call my phone and the phone number of a former employer.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (IN)

Credit karma put a hold on my account claiming a special department was doing a routine investigation and it could take up to XXXX business days to complete. In this time I will not be able to access my funds. Mine and my husbands payroll just hit and theres over XXXX dollars sitting. When i asked to speak to a supervisor I was told they had better things to do. They said there is no phone number to contact the department they would have to send an email. I said whats the email and they said they could not give that to me. I asked what the managers name was and he said it was XXXX. I asked for his employee number and he refused to give it to me. He then hung up on me. I tried to chat via live chat and had a similar experience.