davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has Violated my Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
PLEASE REMOVE AT ONCE. 

XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ XXXX Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX I /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$650.00} XXXX Account charged off. {$450.00} XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} writtenoff. {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed
Consumer complaint received 2018-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NY)

I had an account with them that i noticed was combined with another bill i called and asked for the bills to be no longer combined they did that but then turned around and charged me XXXX for service i was still using at the time. stating that they are charging me for two bills which i had paid while using the service. It is very confusing how they are explaining to me the charges and i want to report them
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I called Experian to ask them to remove a fraud alert that I did not place on my report. When the rep ask me a question he did not read the question correcty and therefore i answered the question wrong. After asking to speak with a supervisor and explaing to her that her rep was having trouble reading the question to me and it seem as if he did not speak english the supervisor then hung up the phone on me. Now I can not get through to customer service and I am being blocked from uploading my docements to prove my identity so I can remove the fraud alert. Hard working people should not be allowed to be treated this way by a credit reporting company. Please help me.
Consumer complaint received 2018-01-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RMB, Inc. (NJ)

On XXXX XXXX, I contacted the company to change my monthly payment. I do not have any email correspondence or letters from the company. They asked all customers to sign up on their website to make billing Arrangements. Their website is not secure. The login page is unencrypted according to XXXX XXXX. Login URL is XXXX, not XXXX as it should be. I question if they are really processing my debt. I 've made {$200.00} payments monthly for 5 months for an ER visit in XXXX, Florida. Their website is XXXX for RMB Inc. Their phone number is XXXX.
Consumer complaint received 2016-01-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

My wife and I have a home loan and a home equity loan with Wellsfargo Bank. For more than 2 years now, Wellsfargo has refused to allow us to combine the XXXX loans for a lower payment. We bought the XXXX bedroom townhouse in 2007 when we only had XXXX child. 3 years a go we had a XXXX child and needed to move to a bigger house and a better school district but we could not sell our undervalue house. Wellsfargo refused to work with us so we went ahead and bought a different house and got the mortgage with a different bank and the old house is now a rental property. We are renting the house at a reduced price and have to pay off the remaining balance out of pocket to Wellsfargo every month and yet Wellsfargo refused to work with us because the house is worth less than we owe. I know that they sold XXXX of the loans that we were able to refinanced to the government after we refinance it to 4 % and kept the loan that is at 9.75 % interest rate and absolutely refused to let us combine the XXXX loans into XXXX. Our savings are depleted and the tenants are planning to move out which means we will be stuck with paying XXXX mortgages again, we can not afford that. We have XXXX children aged XXXX, and XXXX and a car payment. I hope CFPB can help us with resources or advocate on our behalf to Wellsfargo so we can get out of this financial hole. We are trying to do the right thing but very soon we will not be able to even do the right thing, and that will means we will have to default on the loan. We would rather not default on the loan but that may be the only choice.
Consumer complaint received 2017-11-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (VA)

I received a loan for {$670.00} and have paid them XXXX for the past 5 months and when I spoke to them today they told me that I still had 5 more payments to make of XXXX. By the time the loan would have been paid off I would have paid {$4000.00} on a {$670.00} loan. After speaking with a lawyer he stated that the company is not licensed in the stated of VA and you could n't find any real information on the company when he searched and that the company had numerous complaints and is part of scam that gets around the law by using tribal or native American laws.
Consumer complaint received 2022-12-13
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. (TN)

I have filed a FTC complaint, and Experian still refuses to remove the items listed in the complaint. FTC report # XXXX Items to be removed Immediately : PERSONAL INFORMATION 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 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 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 XXXX XXXX
Consumer complaint received 2022-03-31
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. (VA)

Inquiries are reporting on my account incorrectly causing my score to drop tremendously. I'm in the process of home buying and this is causing issues please assist. I contacted each burea to dispute inquiries also sent dispute letters to have it removed from my account
Consumer complaint received 2017-11-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

I went to XXXX for 2 years - from XXXX through XXXX, graduating XXXX XXXX. I utilized student loans directly through UTI as well as Fed XXXX. When I graduated, I paid off all of the student loans - however, XXXX did n't have information from Fed Loan at the time so they were not included when I paid off all other student loans ( XXXX XXXX was the servicer -- nearly {$40000.00} ). In XXXX XXXX - Fed XXXX called to let me know I was delinquent on XXXX loans. I had no idea these were outstanding. Fed XXXX indicated that it happens quite a bit - that XXXX deferred the loans for a year - then submitted for repayment. I immediately made payment arrangements - and they indicated that they would put the delinquent payments into forbearance and would be paid at the end of the term. New payment schedule was made beginning XXXX XXXX - which I have been current on every month. 

When I applied for a home loan I found out that Fed XXXX incorrectly labeled my credit as delinquent over 150 days! I immediately called them and was told to file a dispute through their web site - which I promptly did. They " corrected '' the status to read XXXX, but was 90+ days delinquent from XXXX XXXX - which was not correct, in addition to what Fed XXXX told me they would report. 

Fed XXXX will not change the status - they are being deceptive in how they treated me and are unwilling to accommodate my requests. My credit score has been hindered significantly through no fault of my own. 

Please let me know if you need any documentation - I can provide anything you might need to correct this false credit reporting.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc. (LA)

A letter requesting validation of the debt that this company claims is owed to them was mailed to them certified mail on XX/XX/XXXX and received by them on XX/XX/XXXX. The letter specifically requested that the company VALIDATE the alleged debt by sending proof that the debt belonged to me as I have NO knowledge of this debt. The letter requested that Optimum Outcomes send a copy of all statements from the original creditor, as well as any signed agreement between myself and the creditor which would show proof that the debt is owed. Optimum Outcomes simply sent a letter in response that in NO way validates that this debt belongs to me. I have attached both the letter that was sent to them as well as their response. Since this debt has NOT been validated as requested, I want this removed from my credit report immediately. If this debt is not removed I will move forward with contact my attorney about the lack of proof that the debt belongs to me as well as the fact that the company continued to contact me by phone leaving voicemails AFTER the validation letter was received which requested all communication be done in writing which is also a violation of the FDCPA.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (OH)

A dispute was filed on my Chase Visa card in XXXX XX/XX/XXXX and I was notified in writing from the Chase Bank, XXXX XXXX, Ohio branch on XXXX XXXX XX/XX/XXXX that the dispute was complete, NO credits could be reversed, and I could return the item purchased to the company that the dispute was filed against, XXXX XXXX XXXX XXXX. The merchandise was returned to XXXX XXXX, XXXX on XXXX XXXX, XX/XX/XXXX via XXXX and a signature was required to receive the product - thus guaranteeing that the company received the returned merchandise. Thus, I no longer have the original product that the dispute was filed against. Then on XXXX XXXX XX/XX/XXXX, I received a letter that stated Chase Card Services needed additional information regarding the dispute and then on XXXX XXXX XX/XX/XXXX I received a call from Chase Card Services that they were reapplying the charges to my Visa card. These notifications were a direct breech of the original statement and finalization of the dispute made by Chase on XXXX XXXX, XX/XX/XXXX. Currently, my Chase Freedom card has been re-billed with the outstanding balance of {$1300.00} from the dispute that was allegedly completed on XXXX XXXX, XX/XX/XXXX, even though I currently no longer have the product in my possession as it has been received and signed for by XXXX XXXX XXXX XXXX. I have contacted Chase Card Services regarding this matter as well as my local Chase bank and staff, and all parties have mixed stories, have not helped me resolve this issue, and have recommended that I take action to further the alleged completed dispute as a " re-dispute '' even though I was notified on XXXX XXXXXX/XX/XXXX by Chase that the dispute was made FINAL and gave me instructions to return the disputed product.
Consumer complaint received 2017-11-30
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. (MD)

1 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 5 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 6 ) XXXX  Reported twice on my report " DIDNT AUTHORIZE '' ( UNPROVEN ) 7 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 8 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 9 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 10 ) XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 11 ) XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 12 ) XXXX XXXX XXXX XXXX XXXX DIDNT AUTHORIZE '' ( UNPROVEN ) 13 ) XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN ) 14 ) XXXX XXXX XXXX " DIDNT AUTHORIZE '' ( UNPROVEN )
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I had someone try and transfer me {$1500.00} on XX/XX/XXXX and they didnt realize they didnt have enough money for the deposit, it deposited into my account then was pulled back out on XX/XX/XXXX. I reached out to Wells Fargo the same day and asked about it they told me it was a faulty check and to try again, then I get a voicemail later that day stating my account will be closed on XX/XX/XXXX due to that incident. I called them back the same day and was told my account will no longer be closed. On XX/XX/XXXX I was supposed to receive my direct deposits from my job and they were never deposited, I once again called customer service to ask about it and I was told my account will be closed and that there is nothing I can do to remain a customer with Wells Fargo and that my deposits will be coming in check from in the mail and they never came, Wells Fargo never sent the checks they said were coming. The account was never closed I had went and opened a account at a different bank because I was told I can no longer bank with Wells Fargo, My Wells Fargo Debit card was being charged and still is and forcing my account to go negative, I can not deposit anything into that account to cover it, I was set behind on all my bills due to the fact that I want able to access my direct deposits and today XX/XX/XXXX Wells Fargo still trys to pull money out of the account a month after they had told me it was going to be closed.
Consumer complaint received 2017-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX of XXXX I contacted Wells Fargo to see if we qualified for assistance since we were affected by Hurricane Harvey. Our home was not in the declared XXXX zone ; however, my husbands job was. He was at the time I called out of work and was not scheduled to go back for several weeks because the job site was destroyed and there was no electricity. My husband is back to work now. The Wells Fargo XXXX, XXXX, advised me that they had a program that would defer payments until XXXX/XXXX/XXXX. It was some type of assistance that was given to accountholders who were affected by the Hurricane. I called today to schedule my first payment since the assistance expired and I was told that 3 payments were due. I was shocked. I never expected to have to pay 3 payments all at one time. We honestly would not have accepted the assistance if we knew that we would have to pay almost $ XXXX in payments. The XXXX i talked with today, XXXX/XXXX/XXXX, said that the XXXX I spoke with in XXXX was just a Customer Service rep who may not have know to advise me of that but that he could send him a coaching. He also offered to start a modification process on the loan ; however, I do n't need a modification. We can afford the minimum monthly payments now but at the time I originally called in XXXX XXXX we were not able to. 

The XXXX advised me today that if the 3 payments are not made by today the account will report the bureaus as past due and we are not ok with that. This is a clear UDAAP violation and Wells Fargo should fix it and ensure that my husband and I are not reported adversely for assistance that was given to us.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

I reviewed my XXXX credit report and I was completely shocked to see Bloomingdales on my credit report. I have never opened an account with Bloomingdales. Someone used my personal information to open an account in my name without my consent. 

This is a fraudulent account that needs to be deleted and removed immediately from all three major credit reporting agencies immediately. 

Bloomingdales Account # : XXXX Balance : XXXX
Consumer complaint received 2017-11-30
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: Asset Management Outsourcing, Inc. (FL)

I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2011. However I have yet to receive a copy of an Agreement that I signed.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NJ)

i a not mad at chase cant get thru sent a letter and emailed on my card ending XXXX there is a charge from XXXX  for something i did not get. i never received XXXX insists they sent it i never got it charge is for XXXX i believe i need it disputed and investigated please. asap
Consumer complaint received 2015-04-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (LA)

The amount of interest is ridiculous. I applied for this loan and did not anticipate it working like this. I make good money, and was in between jobs. My payments are over {$300.00} and that barely covers the interest. I am in Louisiana and from the laws I can find this is a illegal practice. The company has links to previous loan statements but every one of them says the document is unavailable. I can see this company creating a new invoice with whatever numbers they would like.
Consumer complaint received 2021-02-08
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: AMERICAN EXPRESS COMPANY (OH)

American Express XXXX Open Date XX/XX/2014 Balance {$7000.00} As a client, I have legal rights that are provided to me to safeguard me through misinformation being reported on the credit report. At this point, I would like to produce a final petition for examination before I seek the advice of my attorney for advice on how to handle inaccurate and unverifiable issues that are continuing to be demonstrated as valid. You need to give me a copy of the agreement agreed upon or voice conversation where I certified billing me on this particular account.
Consumer complaint received 2019-03-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ad Astra Recovery Services Inc (AL)

I had filed a previous complaint and listed it as wrong original creditor they werent XXXX XXXX but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about XXXX XXXX. I attempted to clear this matter with them by filing a dispute through XXXX and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As I have not heard back from you in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 ... proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.