davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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. (GA)

Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your Equifax report. 

XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX All Banks XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX - CARD SERVICE Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, Not Elsewhere ( XXXX ) XXXX XXXX XXXX - XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX.- Inquiry : XXXX XXXX, XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Home Improvement ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX . 
XXXX Inquiry : XXXX XXXX, XXXX Telephone Companies XXXX XXXX XXXX, XXXX. 
Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Services, XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Utilities Contact the inquirer : MAIL ONLY
Consumer complaint received 2018-07-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (NY)

I have a personal loan with TD bank. I paid it online through my XXXX checking account. TD Bank ( as many other vendors ) can't get an electronic transfers from XXXX directly, so XXXX issues paper checks and sends them through a regular mail. I took this loan in the spring of XX/XX/XXXX and up until XX/XX/XXXX there were no problems - I made payment online, XXXX cuts and sends the check, TD deposits the check. Starting on XX/XX/XXXX of this year all my payments started  returning to back me. Every time I called, I got the different answer : it's XXXX 's fault, we didn't get anything, we don't know, the company that XXXX uses is at fault, maybe an account number is incorrect and I have to add XXXX XXXX before the account number ( didn't work ), the mailing address is incorrect ( I copied it from TD web site ). TD 's system is being updated, etc. TD bank also switched me on " no paper '' billing, even though I didn't ask for it and, even though, many times I asked to get back to paper bills, there are still no bills at all, not over the mail, nor by email. I get call, from tine to time though, when unidentified person asks me to confirm my address and DOB. when I ask why, I am told that they couldn't tell me unless they have a confirmation first. My explanation about potential identity theft falls into a deaf ears. Meanwhile, every once in a while TD bank fines me for not paying in time, which obviously could reflect negatively on my credit history. Once I was advised to pay through they web interface, which I tried. Twice I managed to do it, but every time it took two weeks of attempts to get through.
Consumer complaint received 2021-08-09
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 obtained my credit report from Experian

online and found the following items listed on my credit reports. ( U.S. Bankruptcy Court ) was inaccurate. After seeing my report i sent a dispute letter of Method requesting the following 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute which this dispute letter is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). After Experian finish their investigation they stated that information being reported was verify with the courts and there will be no changes to my report. After receiving these results, I then contact the U.S. Bankruptcy courts office, asking them do they verify any information with any company. I was told that The United States Bankruptcy Court d
oes not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files.
Consumer complaint received 2021-02-22
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. (FL)

REMOVE FRAUD INQURIES FROM MY CREDIT REPORT FINALLY! 

This is my third message to make you to accept my complain. Why I still have someone else 's inquiries or fraud inquiries in my account? What is that? Do you understand that this wrong and misleading information just killing my life planning .... How should I proceed if in 2021 Bureaus can not guarantee that they reporting right information plus the system is interconnected this effects on my score and on my financial planning, loans, mortgages and my wife mood .... So could you please get finally my point and apply proper actions?! Please I want to have my own information in my credit report So remove it asap
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Fidelity National Financial, Inc (NC)

Mr. XXXX XXXX at National Link was hired by XXXX to disburse payments from the proceeds of a home loan used to purchase one half of an inherited home. Mr. XXXX at National Link did not call to verify the payoff amounts on the loans in a timely manner and as a result some accounts were overpaid and XXXX was underpaid ( by {$1.00} ) causing XXXX to return the check to National Link. National Link nor Mr. XXXX let us know the check was returned ( had to find that out from the credit bureau that the payment was marked as late ) and I had to call him to have the check re-issued and sent overnight. National Link ( Mr. XXXX XXXX stopped payment on the first check and re-issued a second check, but again did not check the payoff amount and the check was sent short and was returned again. None of this was made know to us over a 2 month period, even though I had repeatedly called and asked what was happening with the account. Mr. XXXX seems to believe that he has no responsibility to us or the creditor he was to have paid to ensure correct funds were disbursed. Now XXXX has turned the account over to collections and damaged our credit scores and refuses to correct the action as they say it was National Links responsibility to let us know and National Link ( MrXXXX XXXX XXXX XXXX refuses to correct the actions as they say it was XXXX 's job to let us know. I was able to get National Link to send me the check made out to XXXX and have gone today and paid off the loan plus the additional penalties and have submitted a dispute with the credit bureau in hopes to reduce some of the damage these two institutions have done to us.
Consumer complaint received 2017-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: The Regional Adjustment Bureau, Incorporated (NE)

On XX/XX/XXXX, I was informed I had an account in collections with Regional Adjustment Bureau since XX/XX/XXXX. I was never made aware of this loan or this debt upon leaving the school.This debt was sold to RAB from XXXX XXXX XXXX. I attended this school in XX/XX/XXXX and was unaware of this loan. I was aware of the XXXX XXXX, but no additional loans. This debt has not appeared on my credit file and when I spoke with XXXX from RAB on XX/XX/XXXXand asked him to verify the address and the phone number they had on file for me, he gave a relatives address in which I have never shared and a phone number which belongs to an old friend, that has never belonged to me. I then requested verification of this debt so I could rectify it and restart with the school, I received something other thanverification and have been receiving 5 or more phone calls a day and voicemails that are 3 minutes long  where the representative is not talking but I am able to hear the other agents in the background talkin to other customers, I am able to hear the a rep in the background verifying another customers information, and further requests for verification of this debt have been ignored.
Consumer complaint received 2023-01-28
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)

Disputing information on my credit reports with XXXX, TransUnion and XXXX i have sent in an FTC report, police report and a letter. I have contacted all creditors in this matter and these fraudently items need to be deleted asap because i was disputing these fraudently items on my credit reports for a year now. 

XXXX XXXX date open XX/XX/XXXX {$850.00} sent police report and ftc report and contacted creditor. 

XXXX XXXX date open XX/XX/XXXX {$700.00} XXXX XXXX date open XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX {$30000.00} XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX open XX/XX/XXXX {$1300.00} sent in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXXXXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for XXXX XXXXXXXX in police report and ftc report to credit bureau and contacted creditor. 

XXXX XXXX open on XX/XX/XXXX for {$640.00} sent in police report and ftc report to credit bureau and contacted creditor.
Consumer complaint received 2021-03-04
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: Home Loan Center, Inc. (TX)

On today XX/XX/2021 I received alerts on hard pulls on my credit report. I called the companies that were shown and was advised that they received information from a company called Lending Tree and spoke with a guy named XXXX and told him I did not authorize any hard credit pulls at all on my credit. The website completely stated input last four digits of social security number to look at rates. I have there was no permission given for this company to send my credit information out to run my credit at all. I have stated only the last 4 of my social security number was input and I would like to know how they received the rest of my information. I applied for credit with them years ago and I feel this company has fraudulently kept my information on file and used it improperly which is a violation of my consumer rights. I did not apply for credit with this company I was only looking at rates per the website. I have asked for them to remove this fraudulent inquiry and they have said they will only do what they can do. Spoke with XXXX XXXX says she is a supervisor and still did not agree to remove this fraudulent inquiry as well. I have spoken with two people in this company and advised that I did not request credit. When asked how did this company obtain my complete social security number both reps replied they do not know. This company is committing fraudulent activities by inputting hard inquiry pulls on my credit which in return caused my credit score to drop immediately. Now this same company while on the phone is trying to offer credit repair. I keep stating the same thing to remove these fraudulent inquiries that they have placed on my credit and they advised that they can not do it.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (WI)

Fortiva Credit Card. 
XX/XX/21 logged onto account to make a payment. The payment screen does not fit on my phone using the mobile app or on my computer using XXXX XXXX or any other search engine. the screen does not scroll and I can not get to where I need to make my payment. Called the phone number listed and system will not recognize my social security number. Used the chat feature and I only got pre printed canned responses that the " person '' I was talking to, XXXX, was looking into the situation and I should call in. I explained that I tried and couldn't get through, got the same response. Now my payment will be late. Please look into this company.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I submitted my disputes for these fraudulent accounts. I received a reply ACCUSING me of using a credit repair company. That is an absolute insult to me. I am offended that I am being accused of not being capable of disputing fraudulent accounts on my credit. At ths point I feel further victimized. I would like to have these FRAUDULENT accoutns removed or I will have to exercise my rights because I am being violated. I am an XXXX veteran, Ive served and protected my country, I don't deserve to be victimized by the bureaus and an identity thief. If these accounts are not removed, I will be forced to escalate this matter to the next level.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Around XX/XX/2022, I found charges on my checking account statement for XXXX where I had a merchant credit card, issued and handled by Comenity Bank. The bank was never authorized to withdraw directly from my checking account. XXXX immediately refunded the money for these fraudulent charges. However, I continue to be contacted and harassed by Comenity bank, basically threatening to ruin my credit rating and insinuating I don't have they funds to pay. It is just a crazy nightmare. Just this morning I was sent an " URGENT '' message to call them. When I did I reached someone who told me I had to make a minimum payment. I told her I was never given the itemization for the purchases they said I made and owed them money for. When she said I would have to speak to customer service about this, I was put on hold and then disconnected. This has happened before when I tried to contact them. They refuse to tell me what they say I purchased and why they think I owe them this money.
Consumer complaint received 2021-02-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

My Non penalty CD expired on XXXX XXXX with Ally bank. On XXXX XXXX I called the bank and requested wire transfer because they dropped my interest to 0.5 % which I do not agree with. Wanted to transfer to my other bank which is paying 1.5 % interest. In fact I called twice verified the transfer bank advised everything ok it was before cut off day. 
Next day XX/XX/2021 nothing happened then I called 3 times to verify that everything ok.I called before wire cut off time. They advise will be wired out no other information need it. Then Monday received email that needs copy of driver license. I sent copy and called again. No wire has been sent out. 
I think the bank willfully withholding my money. It is unfair and illegal conduct and causing me to lose money such as lower interest they pay and other investment opportunities
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with XXXX closed/current/paid last updated XXXX/XXXX/XXXX, another with Equifax closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time
Consumer complaint received 2017-09-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

1. I went to XXXX XXXX in New York. I was n't told they were n't an accredited college until a month before my graduation for a XXXX XXXX XXXX. This school did not help me find work which was the only thing they were clear and upfront about in the beginning - " we have great graduate to employment record. You 'll be in a job. '' I graduated in XXXX and did not find a job until XXXX and that was off a program I took in my community that gave good advice. 

2. Capitalization/Subsidizing vs. Unsubsidizing was not explained to me. 

A fraudulent college was working with a greedy lender hand in hand to rob me and many like me blind. 

3. My loan amount was XXXX as of XXXX. I 've been paying loans for 10 years to the amount of XXXX. I still owe over XXXX in loans.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Webcollex, LLC (IL)

COLLECTIONS {$1500.00} Reported balance Check if you should dispute. You can remove an incorrect collection with a dispute. It only takes a few taps and can help your score. 
CKS PRIME INVESTMENT {$1500.00} Needs attention HIGH IMPACT
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

On XXXX XXXX, XXXX, I submitted a dispute with Experian requesting that my name and address be updated to my current name and address, as well as all of my old names and addresses be removed from my credit report as they are no longer valid nor accessible by me to be used or receive mail at. Experian emailed me back XXXX XXXX, XXXX, refusing to delete the old information. All of this information has been deleted from the XXXX as well as XXXX ; therefore, there should be no valid reason that Experian should not do the same. They are in violation of the FCRA since this information is inaccurate.
Consumer complaint received 2017-08-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

our mortgage was paid on time in full each month, but we got a letter from the homeowners insurance company saying we had lapsed coverage for over a year as a result of Wells Fargo taking our money and not putting it into escrow. Had an accident happened during those 12 months, we would have been liable for damages which we had already paid insurance for. Wells-Fargo is a dangerous place to keep your mortgage
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: JPMORGAN CHASE & CO. (CA)

Well today, I believe there was an overcharge of over a XXXX, dollars, at a XXXX XXXX in XXXX XXXX, thought I was purchasing a XXXX XXXX, prepaid cards valued at XXXX, was told an email receipt, would show up, there was only XXXX  worth. Some individual walking by acted like something was thrown on ground, in XXXX XXXX, there also seems to be people walking by me like they have ether on them coming up to me, around 5 individual s in XXXX XXXX   thought it was funny.
Consumer complaint received 2017-08-04
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK (NJ)

I never applied for the said student loan nor i had ever intended or will ever intend to apply for student loan with XXXX XXXX XXXX. I had informed the company and the company requested affidavit confirming this and I, a victim of ID theft, has executed the attached affidavit to that end.