davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-30
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. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :
Consumer complaint received 2020-04-30
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. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :
Consumer complaint received 2020-04-30
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: EQUIFAX, INC. (IL)

Chapter XXXX a negative remark on my credit report Equifax Refuse to remove the account. I never had that bankruptcy and I inform them of that but they refuse to listen. XXXX and XXXX removed it from my account.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is one account reporting on my credit report incorrectly, the account number for the account is XXXX. Date the account was opened XXXX Date the account was closed XXXX. This account and this account only must be removed from my credit report immediately
Consumer complaint received 2022-09-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (FL)

My family was approved for the HAF Florida Department of Economic Opportunity Mortgage Assistance on XX/XX/2022. I was informed that the check was mailed to the mortgage company the same day. To date, these finds have not been applied to my mortgage. I am an educator and did not get paid over the summer, so the assistance is much needed for my family to make ends meet, especially since COVID has greatly impacted our income. Please help me ensure that our assistance funds are not being held on someones desk, while were struggling to make ends meet.
Consumer complaint received 2020-04-30
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. (TX)

show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXXXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXX all ftc violations attached and noted :
Consumer complaint received 2020-04-30
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Comes forth YOUR PETITIONER offers this statement Portfolio Recovery Bought three accounts that were statements were never received prior. These accounts had open disputes and were never addressed. I was waiting on XXXX XXXX to call me back when I found out Portfolio purchased it. XXXX XXXX said these accounts would be deleted with dispute CBR date of XX/XX/2020 but they are still on my credit reports. They have changed the reporting so much I dont believe them. its still there and this has caused me many damages. I have attached the voice conversation as proof! Please help them remove this immediately from my credit report and send me {$6000.00} for damages as settlement Why if they are really deleting it to make me go through this whole call and harass me for it? Why am do I have to ask all these questions. I hope this isnt happening to so many others right now during these times. This has caused me many many damages. I am a XXXX veteran drawing veterans benefits for living expenses.
Consumer complaint received 2020-06-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc. (MI)

I am writing to issue a formal complaint against Advance America regarding account # XXXX. I entered into a deferred presentment loan agreement with Advance America on XX/XX/2020 with a payment due date of XX/XX/2020. As evidenced in the attached agreement, I received a disclosure regarding my potential eligibility for the extended repayment plan allowed under Michigan law. I also received the attached disclosure advising of the same. On XX/XX/XXXX, I contacted Advance America to request the extended repayment plan for my loan. I was told by the customer service rep that Michigan law changed on XX/XX/XXXX such that borrowers were only allowed one extended repayment plan in 12 month period. I was further told the only option that was available to me was a payment extension for two weeks until XX/XX/XXXX. Although I could not find anything that confirmed the change to state law, I agreed to the payment extension as I was advised that was the only option available to me. 

I performed additional research which seems to indicate the information I was given was factually incorrect. I can not find anything that indicates a change to state law has occurred. I reached out again today ( XX/XX/XXXX ) to inquire about an extended repayment plan. This time I was told that it wasn't a change to state law but an internal policy of Advance America that only allows for one extended repayment plan in a 12 month period. This seems to directly contradict state law ( 482.2155 Sec. 35 ( 2 ) ). I pressed the supervisor I was chatting with on this and was told now that I was not eligible for  the extended repayment plan because I agreed to the payment due date extension. I advised the only reason I agreed to the extension was because I was given incorrect information about my eligibility for the extended repayment plan. The supervisor was unwilling to accept that Advance America had failed to follow State of Michigan law and the terms of the loan agreement. I asked the supervisor to provide me with a letter saying I was denied the extended repayment plan. She responded that I could save our chat conversation but unfortunately there was no way to save the transcript and the session was disconnected before I could take a picture.
Consumer complaint received 2021-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had {$840.00} stolen from my Bank of America EDD card. After filing a claim my account was frozen and I am unable to activate the replacement. I had reached out multiple times, verified identify, had a freeze from filed yet no one seems to have any answers. I am even being denied by Bank of America to talk to the claim department even though I have a claim number.
Consumer complaint received 2020-07-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (CA)

I took out a payday loan in XXXX thru XXXX XXXX XXXX. The only payday loan I've ever taken out. I defaulted and in XXXX I was contacted in XXXX by a collection agency to settle the debt. Which I did and have a paid in full letter. Then the following month I was contacted again by a separate agency telling me I paid the wrong people. So again I settled the debt and received a separate paid in full letter which I still have. Now 7 years later another company has reported the same debt on my credit file and placed it for collection. I will not pay the same debt again. I want this collection removed from my credit file.
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

A female who refused to give me her name but claimed to work for Wells Fargo Bank Fraud Department called me out of the blue & asked me to " verify myself '' ( give her some SENSITIVE personal information on the phone ). After I explained that SHE NEEDED TO VERIFY HERSELF FIRST ( I asked her to send me a SECURE EMAIL so I would know she really was with Wells Fargo Fraud Dept & include her name and call back info ) THEN I would be  happy to answer her questions. SHE DID NOT object to that at all she just said ok and hung up ... so then when I went to LOG INTO MY ACCOUNT to READ My secure emails their computer would NOT allow me to log in it said " online access is unavailable ... call bankers 24x7 '' so I called a banker and spent an HOUR on hold speaking to a Banker and a SPERVISOR both who said the account was LOCKED and they could NOT UNLOCK IT ... only the fraud dept can do that. So then I tried replying to an UNSECURE email I had got from wells fargo but I got a return message that they would NOT EVEN READ that since it was not secure ... I should LOG IN FIRST then send them a SECURE EMAIL ( since I was LOCKED OUT NOW I could NOT DO THAT ), so I tried calling the number in my caller id which the lady called from and asked for a supervisor there ( said his name was XXXX ) ... and after i explained all this to him HE REFUSED to send me a SECURE EMAIL like I said to start with ( to VERIFY HIMSELF - as I explained any SCAM OPERATOR could have got me LOCKED OUT simply by logging into my account multiple times then demanding I give them my sensitive info to open back up ... so HE STILL NEEDED TO VERIFY HIMSELF as a bonafide Wells Fargo employee ) so in the end he said go to a bank & verify myself to get the account un-suspended. I demanded that he send me a letter, so we'll see. The worst problem is they NOT ONLY SUSPENDED me online access to my account but they ALSO SUSPENDED use of my debit card and CHANGED MY PERSONAL PREFERANCES from ONLINE Stmts to PAPER STATEMENTS ( this means Wells Fargo will CHARGE ME MORE/Higher account fees ) so if this was NOT a hacker/scammer to start with it sounds like a SCAM by WELLS FARGO to make UNAUTHORIZED changes to customer accounts & charge them MORE FEES. They MUST BE REQUIRED TO VERIFY themselves FIRST before DEMANDING Sensitive information from customer, blocking access to their accounts, blocking access to CASH, and making unauthorized changes that generate MORE FEES for their banks ... ALL by the way when there is BEEN NO FRAUDULENT ACTIVITY on the account ( I just logged in a few days ago and I saw NOTHING looked wrong at that time ) ...
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

My car was totaled out in XXXX I had gap insurance and full cover insurance! I kept in contact with CREDIT ACCETANCE after my insurance company paid most of the car off and they told me that they will do the gap insurance claim! which they did and i ask them was it anything i needed to do to or pay and they said gap insurance will pay the vehicle off! -I contacted them again about XXXXwo months later and the insured me that i didnt have anythign to worry about! Well last year i got my credit report and found out they was reporting late payments on my sccount they said thwy would fix it never did and then all of a sudden i owe them XXXX dollars and i ask them where did it come from and they said they would have to transfer me to another department well they did and they said gap doesnt pay all of the car off! I went to explain to them that i was told not to worry about it ausw they will file the claim and gap would take care kf the rest and I never knew i had to pay anything else untill almost a year later! They offer me a settlement and I paid it .It is still showing negative information on my credit report serious negative! This isnt prefessional that they didnt comminicate to me exactly what was going on after each called i made to them! I need this deleted or either the negative information reporting XXXX XXXX deleted! THIS IS A MISTAKE ON THEIR END AND THEIR IS HENDERING ME. Please help me!
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (NJ)

Hello, I have tried on numerous occasions to get this debt removed. It doesnt not belong to me. I am a victim of identity theft. Police Reports were filed and there is a note on my credit bureaus as well as with the FCRA. Kay Jewelers ( XXXX ) has been trying to collect a debt from me that I do not owe. I have provided my ID, place of residence etc and asked them to provide me with this collection info to no-avail. This is sitting o not credit report and making it difficult for me to obtain things that I need. I am livid! How does one allow someone to get credit under someone elses name with our actually providing the correct information?? 

I need this collection item removed upon receipt.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SinglePoint GI (FL)

The debt was paid after months of back and forth. I contacted the fed loan service because it was as a result of a student loan and they stated that I dont owe the university anything since I dropped the classes due to XXXX and before the drop period. Even though I paid the full amount they still placed it on my credit report which hurt my credit. I would like any negative remarks removed from my credit in good faith from the university since the bill was paid.
Consumer complaint received 2021-07-14
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. (DC)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. 

I have been a victim of identity theft fraud. I have no idea of any of these negative accounts. 

I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Comes Forth Your Petitioner States that XXXX XXXX has purchased a debt from citicards while the account had an open previous dispute with the previous company. XXXX XXXX   Purchasing this debt from citicards assumes the debt and its liabilities. XXXX XXXX  has failed to address the dispute of a bill not being received and transactions on the account. XXXX reporting without addressing the previous companies dispute is a violation of Fair Credit Billing Act & Fair Credit Reporting Act. Petitioner disputed account directly with XXXX and received that it is a verified debt since a statement has been sent. Petitioner has been caused MANY MANY damages from this.

Petitioner is requests CFPB order XXXX  to immediately remove item from credit report and address petitioners issue that the bill was not received from Original Creditor. Original Creditor deleted from credit report already to remove their liability Complaint on citicards to follow. 

Petitioner is XXXX veteran drawing veterans benefits for living expenses.
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020 I had fraudulent activities on my debit card. I called TD bank to make them aware that I did not make those charges. They told me that I had to wait for the charges to be posted to my account in order for them to dispute them. Their 3rd party fraud department contacted me to let me know that these people are still trying to pull money from my account and asked if I wanted them to block the charges and I told them yes. On the 14th the charges posted and the bank filed a dispute. My account went into - {$90.00} and then I was charged an overdraft fee of {$35.00} which put my account into - {$120.00}. I transferred {$270.00} to my account from XXXX XXXX. When I transferred that money because of the negative balance it took the {$120.00} from the {$270.00} to balance my account. Now today on the XXXX my account was credited the amount that was fraudulent of {$310.00} and the overdraft fee was not credited and the balance from my {$270.00} was not credited. I called the bank and they are rudely telling me that they do not owe me any money.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (GA)

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Cc : XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Confirmation Number XXXX XX/XX/1963 XXXX I am writing to dispute the following data in my credit file. I have listed all inquiries below. It is a letter meant to bring unnoticed mistakes to Equifax 's attention. I am begging that these fraudulent items be detached from my credit file and correct my credit report 's data. I have severe problems with XXXX XXXX XXXX! These kinds of companies are probably responsible for different breaches at Equifax. 
My credit file was a breach was years ago without any compensation. I completed all the appropriate I am still trying to get my V. A. Loan that I have rightly earned. I sent certified letters to you all over sixty days ago. Please delete these as soon as possible. I will keep pushing these removals until I am entirely content with this simple process. Why can I not get my V.A. Loan by no fault of my own? 
Why should my family continue to stay in a hotel since I can not obtain a loan? Why has this been going on for nearly two years? Why will Equifax not take their knee off the necks of XXXX Americans, particularly my neck? I am begging to have these inquires, and you all will not let me breathe? Could you all show God 's kindness to XXXX who risked his life in fighting for a country I love dearly? Equifax could make this right in a matter of minutes. 
1-XXXX XXXX 2XXXX 3XXXX XXXX XXXX 4-XXXX 5XXXX XXXX, all inquires 6-XXXX 7XXXX XXXX XXXX, all inquires 8XXXX XXXX 9XXXX XXXX 10-Confirmation : XXXX 11-XXXX XXXX, all inquires 12-XXXX XXXX  XXXX 13-XXXX XXXX XXXX  14-XXXX XXXX  15-XXXX XXXX 16XXXX XXXX XXXX   XXXX 17-XXXX  XXXX XXXX XXXX  18-XXXX 19-XXXX XXXX XXXX XXXX 20-XXXX  XXXX 21XXXX XXXX 22-XXXX XXXX
Consumer complaint received 2020-07-16
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/2020, I visited the XXXX XXXX XXXX XXXX XXXX  emergency room in XXXX XXXX XXXX, FL, and was treated by ER  doctor XXXX XXXX. Some short time after my visit, I received a bill of just under {$700.00} from the hospital, for which I set up an online automatic payment, and have been paying ever since. 

About a month or so ago, I started getting daily phone calls from a company called HRRG  XXXX, saying I owed {$310.00} from a medical service received on XX/XX/2020. I told them I have already set up online automatic payments directly with the hospital, and that I have not received any additional bills from them. They stated that this bill is not for the hospital itself, but for the services rendered by the doctor himself. I asked them to please send me something in writing, which they did. The letter says that company attempting to collect the money through HRRG is called XXXX XXXX XXXX, which I have never heard of, and they gave me a reference # XXXX and account # XXXX. I also have an HRRG XXXX pin # XXXX. 

I googled  XXXX XXXX XXXX and everything is pointing to a scam. A few other people online have posted comments with similar issues to this, and how this has affected their credit score.
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I filed a previous complaint with CFPB a few weeks ago regarding my student loan that was transferred servicers from XXXX to XXXX. I had a loan modification several years ago through XXXX XXXX. My interest rate was reduced to 0 %. When my loan servicer was changed from XXXX to XXXX, my interest rate increased to 1 %. I filed the complain with CFPB, XXXX came back and said that there was an issue and all loans that were at 0 % increased to 1 % but that this issue has since been resolved. They said that my interest rate was back at 0 % and the issue has been resolved but I went on their website just now and my interest rate is still listed as 1 %. In addition, my payment history shows money applied to interest.
Consumer complaint received 2020-07-16
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.