davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
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: TCF NATIONAL BANK (MN)

I went into TCF bank in  XXXX. XXXX, MN to try and open a savings account and I was told that I was denied on XX/XX/XXXX. I then went and had my credit report ran by a XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and they informed me that on my credit report I had a fraudulent charge on there in the amount of {$2300.00} from XXXX XXXX  XXXX on XX/XX/XXXX. I then proceeded to obtain my own credit report from XXXX, XXXX, and XXXX  on XX/XX/XXXX. I did not see those fraudulent charges on XXXX  or XXXX, but I was able to locate it on XXXX. On my XXXX  report, they had said that it was from XXXX XXXX, for the same amount, but different date being XX/XX/XXXX. I called XXXX  and attempted to dispute this charge but they had said that they were unable to process the dispute, as they apparently do not deal with checking or savings account fraudulent charges. I also called XXXX XXXX  XXXX, and they informed me that they did not have my information anywhere within their system but would forward the information onto higher ups for them to look into it further. Once I was notified of XXXX XXXX, I contacted them and spoke with a girl named XXXX, and she said that she would forward my information onto higher ups as well and I should hear something within 30 days. This was all completed after I obtained my credit reports on XX/XX/XXXX. For the record, I personally have never gone into or been associated with XXXX XXXX or XXXX XXXX. Also, upon looking at my XXXX  report, I noticed that they had an alias that was associated with my name. I have never had an alias.
Consumer complaint received 2021-08-06
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: Experian Information Solutions Inc. (NY)

I XXXX XXXX had dispute plenty of times to Experian about the fraud committed by XXXX XXXX to me Im requesting to Experian to remove this negative account because was fraud involved into this account by XXXX XXXX and was law sue bu the FTC to XXXX for this gigantic fraud Experian is the only one not taking my dispute seriously After the fraud report I did to XXXX  and XXXX  committed by XXXX XXXX with physical undeniable proof XXXX  and XXXX  remove that inaccurate negative account from my Credit report except fro one agency the most ruthless one Experian Im sending again physical proof on this attachment below of the gigantic fraud committed by XXXX XXXX to me and many other people
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2021-08-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

Equifax did n't have proper safeguards to protect consumer credit information from being disclosed to hackers. I was one of some 140 million Americans who had their credit history and personal information compromised. I have tried to contact Equifax repeatedly and never being able to speak to someone who could help me secure my credit and personal information. The Company has a web site that allows you to enter your personal information including your full social security number in order to provide a free credit monitoring service and they tell you they will verify the submission with an email which you never receive. I found out that this information does n't go to Equifax, but to a so-called " sister company ''. So I have now been hoodwinked into divulging my personal information to yet another company. 
Here is my question, what governmental agency is regulating Equifax and the other two major credit reporting agencies. If there is no regulation of these companies, why is n't there? They are taking information from consumers, often without their knowledge and then not protecting it from disclosure. Something needs to be done.
Consumer complaint received 2017-04-25
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: EQUIFAX, INC. (TX)

Upon being denied from a lender for too many inquiries I decided to check my reports from all credit bureaus for accuracy. I have noticed several inaccurate credit inquiries that I had no knowledge of and DID NOT authorize. I contacted Equifax immediately and have been given no relief. The representative on the line continued to tell me its a " statement of fact '' which is not TRUE! I have a fraud alert currently listed and have taken extra steps and purchased a product to lock my credit report. Please see the following inquiries that were not authorized by me and the dates that my report was improperly shared with these companies. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

Greetings : I made a Money Gram Transfer onXX/XX/XXXXusing the online service in the amount of {$100.00} + {$12.00} for the service fee totaling {$110.00}. The funds were deducted from my account onXX/XX/XXXXTwo ( 2 ) days passed and the receiver never picked the money up, so I canceled the transaction. I contacted Money Gram and they stated it would be up to 10 business days ( I think it was ) so I waited. I did not receive my money back in the 10 days as promised, so I called again. The second call, they stated give it to Monday which was 2 more days away. After that Monday, I called again and was told to give it to the end of the week. Again, I waited ; still no refund. I called again and was asked to check my bank account ( no refund there ) and was given an email to send a copy of the transaction showing it was deducted from my account. I did that onXX/XX/XXXX ( an entire month has now passed ). Please keep in mind that NO ONE has contacted me AT ALL regarding this matter. I'm the one who has to keep calling them and every time I call, it's always something else they are asking me to do to show proof. Today XX/XX/XXXX.. now almost 2 months have passed and they are asking me to send them my ENTIRE BANK STATEMENT as if what I sent isn't showing enough. I've sent that in as well as of today. Today, I called the complaint line to file a consumer complaint and was directed to this website. I'm contacting you guys because I use Money Gram frequently and to have such a hassle just to get back my own money is RIDICULOUS!! I AM LIVID, DISAPPOINTED, FRUSTRATED AND READY TO HAVE THIS RESOLVED. No one should have to go through such extreme to get their money back. Every thing requested OF ME has been done ... why can't they just release my money back.
Consumer complaint received 2017-07-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I applied for a credit card in Bank of America and the system said we ca n't know your credit score and credit history on the same time I summit my application I do n't know why and they refused me, now the problem is they did hard inquiry in my credit report. It will appear 2 years in my credit score for the system fault. It 's not my fault can you please dispute the inquiry. It happened in XXXX XXXX, 2017. Thanks.
Consumer complaint received 2018-01-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: World Acceptance Corporation (MS)

I CALLED THE LOCAL BRANCH OFFICE ON TODAY WHICH IS XXXX XXXX,2018 AND APPLIED FOR A PERSONAL LOAN IN THE AMOUNT OF {$300.00} FOR MEDICAL BILLS AND WAS TREATED RUDELY, SNAPPED AT AND DENIED BECAUSE OF MY HOUSEHOLD SOURCE OF INCOME WHICH IS SSI FOR MY XXXX CHILDREN WHOM I AM THE PAYEE.I FELT LIKE I WAS DICRIMINATED AGAINST BECAUSE I HAVE GOTTEN OTHER LOANS IN THE PAST INCLUDING THE RENTAL APPROVAL OF THIS HOUSE WITH THE SAME SSI INCOME.I CALLED THE HEAD OFFICE IN SC ON THE SAME DAY AND SPOKE TO THEM ABOUT THE PROBLEM THAT I WAS HAVING WITH THE LOCAL BRANCH MANAGER AND THEY SAID THAT IT WAS NOTHING THAT THEY COULD DO ABOUT IT BECAUSE EVERY STATE HAS THEIR OWN RULES. I TOLD THEM THAT NOTHING DIDNT SOUND RIGHT ABOUT WHAT THE LOCAL BRANCH MANAGER TOLD ME. THE COMPLAINT IS AGAINST WORLD FINANCE STORE # XXXX /XXXX XXXX XXXX XXXX/XXXX, MS/XXXX/PHONE # XXXX.
Consumer complaint received 2021-11-25
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. (MA)

I FILED A COMPLAINT WITH XXXX AGAINST XXXX XXXX  AND THEY REMOVED ALL CHARGE OFF FROM MY REPORT EQUIFAX IS STILL REPORTING INFORMATION THAT WAS DELETED AS CURRENT ON TIME PAYMENTS Requesting MONETARY RELIEF DUE TO INACCURATE REPORTING OF INFORMATION ACCOUNT NUMBER : XXXX 15 USC 1640 CIVIL LIABILITY
Consumer complaint received 2021-01-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

The current company representative says that I was mailed an escrow statement giving me the option to pay the difference or have my payment raised in XX/XX/2021. I only found out about the escrow analysis when I called about the amount due showing on my current bill that is due XXXX, which I received XXXX. I called the company ( 4 ) four times on XXXX. I was finally emailed a copy of the escrow analysis XXXX, I was not given the option to pay the escrow shortage and keep my monthly payment the same. Since I was not given the option, I have no idea what my monthly payment would be, if I had been given the option. I spoke with XXXX, XXXX, XXXX XXXX, and unnamed female that informed that I could not receive and updated bill for XXXX. I was not given the option to pay the escrow shortage and not have my payment altered.
Consumer complaint received 2016-10-11
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (NV)

Money was wired on XX/XX/XXXX. It is now XX/XX/XXXX and neither bank knows where my money is. They both keep blaming each other and Im out $ XXXXUSD. The bank manager actually told me yesterday I might be out of luck. This is supposed to be a secure place to keep funds not the stock market. If I dont get this money back soon it will break me and probably put me in bankruptcy. PLEASE HELP!!
Consumer complaint received 2017-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MN)

I received a letter datedXX/XX/XXXX from Chase that I have issues with. The letter stated that they immediately sent me a text when there was suspicious activity on my account. That message did not reach me because my carrier rejected it. I did contact Chase on XX/XX/XXXX about this issue. Chase incorrectly stated that they recommend that I update my mobile consent and link my cell phone. This is a false statement by Chase. This was NEVER conveyed to me. Additionally, the statement said I would need to do this to minimize the delay and immediately clear up issues on my account. 
Chase has my phone number. They attempted to text me so why not call me? The number is on file. If there is suspicious activity, should n't Chase want this clear as soon possible and want to get in touch with the account holder? Why not call? Chase also has my email address. Why not send an email? Chase also has a secure message center. Why not put a message in the secure message center about this issue? Chase is be disingenuous about this issue and not taking responsibility for their lack of customer service. 
Finally, Chase state that " as a courtesy '' they issued me XXXX point to cover the 3 % cashback on this transaction. Again, this is a mistreatment. This is not a courtesy adjustment. This is an adjustment to fix an issue that Chase caused. I do n't understand why Chase can not take responsibility for a problem they caused. Please update this on my account record for Chase so that it contains the correct information and send me an updated letter in the mail.
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I believe I opened the account with XXXX XXXX XXXX XXXX around XXXX of XXXX. I currently have all my paperwork in storage. After a couple months of paying my bill I started getting late notices when I had made the payment on time. I called and they would say " yes, we see you made your payment. Just disregard the notice '' This happened several times and I would call and get the same thing. I asked " why does this keep happening? '' they said it was the fault of the store I bought the merchandise from XXXX XXXX, so I called them. They told me they had nothing to do with it, I need to talk to the finance company XXXX XXXX. I called them back and told them that and they said that it was n't them. I got tired of getting no where, so I just stopped responding to the notices since I knew I made my payments on time. I paid them off last month and I received a late notice for a bill I no longer have. I am currently trying to buy a house and was told my credit states I had two 90 day lates from this XXXX XXXX. I called them today XXXX/XXXX/XXXX and was transferred 4 times and still never got to the department that could help me with this. This company is ridiculous and I get no where with them. Because of this false credit report, I am unable to buy or rent a home which is why I am living in a friends XXXX with all my stuff in storage.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Remex, Inc. (NJ)

I 've been trying to deal with this doctor XXXX XXXX for years now with no avail. I only saw the guy two time in which he prescribed me medication, that i was n't suppose to be taking. Then I come to find out at this doctor was a fraud for organizing and scheme patients and insurances for years. He was take XXXX of dollars in brides. When I call the office to fight the claim the nurse would give me nasty attitude one even cussed at me and threat me if I did n't pay.
Consumer complaint received 2021-08-06
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. (NJ)

I disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion investigations. All sent certified mail it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. XXXX refuses to remove old inaccurate address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with Transunion and XXXX which have already removed this address. Even though I informed them of potential fraud. 
XXXX XXXX is reporting my wife debt which was just an insurance error and have been recently rectified and paid through my wifes insurance. Upon speaking with the original debt holder ( XXXX XXXX XXXX ) they informed me that they didnt tell XXXX XXXX that the debt was mind or that I was an co-signer, I was just listed on the paperwork as Spouse and as Father to my wife and daughter the XXXX  individuals who actually received the services falsely being reported on my profile. I requested debt validation from XXXX XXXX directly and they sent over what they have and upon reviewing items sent to me. There is nothing with my signature, nothing obligating me or co-signing, only debt in my wifes name. They have failed to validate the debt concerning me
Consumer complaint received 2021-09-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (ND)

XX/XX/2021 around XXXX, I entered WellsFargo with a bag full of roughly XXXX in cash and deposited it. 3 weeks later I check my account and the money was never deposited according to my bank records. I submit a claim with Wells Fargo investigation team and was sent a letter in the mail 5 days later saying there was no evidence of the deposit and the case is closed. My mother who lives in XXXX went to the bank and talk with the branch Manager XXXX XXXX who explained to my mother that he has no authority to check the security cameras and he will inform his higher ups and they will resolved it. A week later my mother received the same letter as before with no explanation of their reasoning and that the case is closed.
Consumer complaint received 2017-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

The lender has failed to provide a response to the QWR request that was sent as of  XXXX / XXXX /   2017 - The lender also failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).
Consumer complaint received 2017-04-25
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: BARCLAYS BANK DELAWARE (FL)

Good Afternoon , Re : Barclaycard    XXXX   XXXX    XXXX   XXXX , DE,  XXXX  Act # ending in  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL,  XXXX  The account information reporting on all credit reports, is incorrect. My name is  XXXX   XXXX , and my sons name is  XXXX   XXXX   XXXX . Barclaycard has been reporting this account incorrectly. I 'm  XXXX   XXXX  not  XXXX   XXXX   XXXX . I have requested they delete this account from my credit report, and for the past year, I 've had no success. They keep replying with letters, advising information is correct. I kindly ask you to please help me remove this erroneous information off my credit reports, since this has now begun to affect me.     I thank you in advance, for all your help resolving this matter.      Kind  Regards,  XXXX   XXXX
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I 've had my loans serviced with Navient since they spun off from  XXXX   XXXX , my original loan provider.     On Sunday,  XXXX / XXXX /  XXXX  , I submitted my monthly payment of {$530.00} for m y 5 l oans. On Monday,  XXXX / XXXX /  XXXX  , I calle d Navient to see about paying extra on one spe  cific loan ( a   service I 've only recently been offere d ). I was told that, yes, I could pay on just one loan, and that all of the money paid would be applied to principal. I was assured this   before, but I 'm re-doubling my efforts to get out of debt, and so I wanted to try again with the new site option to pay down principal on my specific, highest-interest loan.     I paid {$100.00} on this loan on Monday,  XXXX / XXXX /  XXXX  .     Today, Tuesday  XXXX / XXXX /  XXXX  , I log i nto Navient to see how my payment was processed after I see from my bank that both the {$530.00} paym ent submitted on  XXXX  and the {$100.00} submitted on  XXXX  were cleared on  XXXX .     I see that, instead of going fully to principal, they 've applied {$3.00} of the {$100.00} to interest, which a ) is NOT what the representative said, and b ) makes even less sense, as both payments went through on the same day (  XXXX / XXXX /  XXXX   ). If both payments are withdrawn at the same time, it makes no sense that there would be additional interest to pay.     This is flat-out typical of this company, who offered only forbearance with capitalized interest when I could not meet interest-only payments  for two  years after graduation from  XXXX   XXXX   XXXX    ( the  school who steered me towards  XXXX   XXXX , the initial lender ). I 'd attempted to pay additional towards my loans in the past and had the same sort of misrepresentation ; at least now I 'm able to determine which specific loan to pay down first. That option was not available before.