davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

My husband, XXXX, and I have submitted several complaints through the CFPB. Each time Wells Fargo comes back and claims they did nothing wrong. We are seeking help from the CFPB. We do not qualify for programs for the lower income folks. We are not minorities. We are XXXX  upper middle class, educated people who were taken advantage of by Wells Fargo. 
We were victims of predatory lending in XXXX. We refinanced our home because we needed cash to pay down some of our credit card bills. As you are aware XXXX was right before the market crashed and our home was not worth what we refinanced it for. Wells Fargo put us in a 40 year loan at an interest rate of 9.63 %. They knew when they did it that we would never be able to pay it off. They knew it was a bad deal and they were smug when we signed the documents. 
In XXXX I had to take a different position because the economy had gravely effected my business. In XXXX my husband was unexpectedly laid off for a year. He was the major bread winner of the family. We tried at that time to work with Wells Fargo. Every time my husband spoke to them they talked about a new program ( HARP ) coming out that we may qualify for. Well as time went on we missed payments and had racked up credit card debt. In XXXX we received a foreclosure letter. We took money out of our retirement to pay up so we wouldn't lose the house. In XXXX of XXXX Wells Fargo foreclosed on us. 
Currently, I have been working dilligently to pay off credit cards. I have gotten our credit scores up to the 700 's. My husband had been rehired by his company a year later and is still there. I have been working for the same company since XXXX of XXXX. 
I am XXXX and my husband is XXXX. We plan on working another 8 to 10 years. We would like to buy a home and can not wait 7 years. We can't afford a lawyer to individually go up against a giant like Wells Fargo.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (NY)

A XXXX credit card which I have seen added to as an authorized user without my authorization is being reported on my Equifax Credit report. 

XXXX XXXX Account # starts with XXXX Opened on XX/XX/2019 Charged off with balance of {$9700.00} I have called XXXX multiple times to remove myself from the account. However a representative advised me that she's unable to do so due to the delinquent status of the account. 

Since I'm not the primary account holder, I was never responsible for this account and it does not belong to me. 

I have also disputed the account with Equifax but it's still being reported on my report. 

This is affecting my ability to obtain credit.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC (CO)

You declined my check XXXX XXXX XXXX XXXX, NO valid reason given in your response. Your letter stated the factors maybe the check #, dollar amount or check writing history. Your letter had 2 years of my transactions from the store with NO problem in my history. I have been shopping at the store for over 30 years, EVER have I bounced a check. I called your customer service dept. and she couldnt tell me anything other than use your debit or credit card. Your letter stated this information is retained on file until the item is paid, 4years from the check date, or until notified by the reporting source. From my conversation with your agent I cant write a check at our grocery store because you dont like my check #, amount of check. Your letter stated No information on file on reason for outstanding items. I gave all my information, drivers license, checking account, routing and you have no valid reason for the decline. 
This complaint is also going to XXXX grocery store, and to our attorney. I want to know I can use my checking account at the store with out being humiliated in front of other customers and cashiers.
Consumer complaint received 2022-04-28
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: STERLING JEWELERS, INC. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: OPORTUN FINANCIAL CORPORATION (NY)

My name is XXXX XXXX. XXXX. 
I have received account registration text confirm from my phone number XXXX last night as the screenshot pic shows. But i didnt do that new registration I already had an account with Oportun online banking website. 
I have just reported lost card and freeze use of card but not send a new card to Oportun credit card company yesterday afternoon. 
Its a FRAUD.
Consumer complaint received 2023-07-20
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (SC)

Good evening, There are several debt collection companies on my credit report that have re-aged debts that were supposedly incurred over years ago. The names of the companies are Debt Recovery Solutions , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included screenshots of what is being reported. These companies are reporting that I have opened these accounts as recently as a couple of months ago, which is false. I have only recently disputed items on my credit report to the credit bureaus directly. The credit bureaus stated that they followed up with the companies to verify the information and that the information was verified but the information is false and now my reports are reporting relatively recently opened debts. This is inaccurate and affects my credit score.
Consumer complaint received 2020-11-04
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: HCFS Healthcare Financial Services of TeamHealth (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX XXXX STUDENT LOANS # XXXX
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (TX)

MoneyLion was removed from all 3 major credit bureaus because I have no knowledge of the debt that they are claiming that is for me. After being removed from my credit report the company requested that the information be reinserted. According to the fair credit reporting act, section 609 they are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts posted to my credit report. They are reporting false information to my credit report.
Consumer complaint received 2021-09-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent certified letters to Experian on multiple occasions requesting original signed documentation to verify the following : XXXX - Not my account XXXX XXXX- Not my account XXXX XXXX - Not my account XXXX XXXX- Not my account XXXX Bank- Not my account XXXX XXXX- Not my account XXXX  XXXX XXXX - Did not authorize this inquiry XXXX XXXX - Did not authorize this inquiry XXXX XXXX XXXX XXXX - Did not authorize this inquiry XXXX XXXX XXXX XXXX - Did not authorize this inquiry XXXX XXXX - Did not authorize this inquiry I asked them to send me original documentation supported with my signature and other forms of proof tied to me. I have received nothing, nada, zip. It has been over 2 months and still no response.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AZ)

ELAN FINANCIAL SERVICES is continuing to report false data about an account balance and active account. This account was closed back in XXXX and has a XXXX balance. This was a Secured Credit Card. I already received the secured deposit back.
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (KS)

I have four accounts that were submitted to me from collections. Company name Payliance.

The checks that were written were fraud/identity theft against me. I have submitted police reports and have resolved this with local District attorney in the county that the checks were written.

Amounts {$220.00}, {$140.00}, {$120.00}, {$380.00}, Two were written on XX/XX/2020 and two on XX/XX/2020.
Consumer complaint received 2021-10-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Lendmark Financial Services (NC)

the company is lendmark financial. i recently asked the company if i could borrow up to {$800.00} to help me catch up on my mortgage payments. the lady informed me she would send it to underwriting to be approved. she informed me that if she didnt get a hold of me the day i applied for the loan, she would call me the next day. but she never did call me back. at least give me a courtesy call. i do not appreciate their business and shady tactics and i had my bank put a stop payment on them from taking money from my account. they could have at least given me a call back or something whether i was approved for the loan or not. but that's ok as a XXXX veteran
Consumer complaint received 2019-03-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

An ACH debit was made from my account in the amount of {$330.00}. I was charged an overdraft fee of {$36.00} and then another {$36.00} one the item was reversed. I visited the bank and was told the overdraft fee could be charged while the item was pending and the reversal fee could be charged when the transaction is denied. This is a total of {$72.00} for one transaction. It seems like double dipping.
Consumer complaint received 2024-02-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address a concerning matter regarding my credit report. Upon reviewing my recent credit report, I noticed that there is a late payment recorded on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted XXXX dispute investigations to Transunion Credit Agency regarding my XXXX  XXXX Account and XXXX account and I request how the account was verified and i never get back the proof on how the account was verifiyed nor do I received a copy of my signature on the original document so I can confirm this account is infact mine. XXXX and XXXX both deleted the XXXX accounts as they said they were unable to produce what I requested and Transunioon no matter how many disputes I send I never receive the information I request nor does the account update on my credit report.
Consumer complaint received 2022-01-10
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. (NY)

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

I was alerted by repeated harassing phone calls that I had a balance at XXXX for medical debt IN TOTAL OF {$560.00} for XXXX XXXX  ( XXXX XXXX ) when I had already paid off any outstanding debt directly to XXXX XXXX. I contacted XXXX XXXX multiple times on the phone and even emailed receipts of my payment to them, they refuse to acknowledge my payment receipts instead repeatedly emailing me how I was charged. The Merchant collector does not acknowledge that these amounts were already paid either, even though I have receipts and the money was withdrawn from my accounts. 

Here is one of my emails to XXXX XXXX I called the Merchant and they said I had {$560.00} owed to you, which I don't understand as seeing you have only billed me ( incorrectly ) for {$180.00} and in my payment history I have indeed already paid this exact amount in XX/XX/XXXX -- - this needs to be removed from my credit report as I only owe {$180.00} as of today and it seems your company has not updated the debt collector. In addition, it seems I have also been incorrectly charged for {$180.00} TWICE on XX/XX/XXXX. I have attached the paid bills receipt. The double charge is what apparently I " owe '' and I am out of medication due to an error on your end it appears. This needs to be resolved immediately. Furthermore, I have already paid a seperate fee for any no show appointments that was {$560.00} in total. ''
Consumer complaint received 2019-03-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

When I originally signed up for school I was confused in the fact I was getting a grant, paying the school, and signing for a government loan. It was all a very confusing situation where we were constantly interrupted and very unorganized. I was under the assumption I was getting a grant and would pay the school monthly while attending. I was a single mom works now 2 jobs while doing the classes online. This was very exciting to me that I would be able to go to school and earn a degree and start a new career. I worked hard for 2 years finishing assignments staying on the Dean 's list. I could not wait to get my degree and finally start my career in XXXX XXXX and XXXX. I made sure I never missed a monthly payment to the school so there would be no delays of graduating. I was told that upon graduation they would help with job placement. After walking across the stage all of those promises where gone. I was told there were no jobs available where I lived. I would call the school and leave messages and get no response. Then the reality of I had student loans. Now I have a worthless degree and drowning in student loans. I graduated almost 10 years ago and have not even come close to the income promised. I found out after graduating that I didn't even need a degree in XXXX XXXX. I was able to get a XXXX  job and took courses and have been working in a physicians office as a XXXX XXXX. I have asked Navient year after year if I can get the loans consolidated so I can make reasonable monthly payments instead of multiple payments at prices I couldn't even imagine paying with my current income. Navient has told me year after year that it would be best if I just did forbearance and deferments. Not fully knowing what those are they set me up for those. In the meantime the interest keeps going up and up. Making it even more impossible to ever imagine paying them off. The college 's and student loan officers should not be allowed to mislead students. When we are signing up we are so excited with our dreams of a better future and your throwing so much information at them and easily confusing them. It's not right and should be against the law. I'm adding my complaint so hopefully it will help stop them from doing this in the future.
Consumer complaint received 2022-04-28
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: OneMain Finance Corporation (OH)

In Accordance with the fair Credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy. 

15 USC 1681 Section 604 A section 2 : It also states that a consumer Reporting agent can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end Consumer credit plan As late for purpose.
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I viewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXX  / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX
Consumer complaint received 2019-03-12
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. (TX)

XXXX  and Transunion are reporting me 120 days late on the XXXX - partial account # XXXX. This account has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has {$0.00} balance and {$0.00} past due.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ladera Ranch Home Loans, Inc. (CA)

On XX/XX/2021 I received a letter apparently from " Ladera Ranch Home Loans '' NMLS # XXXX. The letter was disguised as being from my mortgage lender, with " XXXX XXXX XXXX XXXX '' appearing where the return address of a letter would normally be expected. The letter seems to contain an offer to refinance, but is worded to appear to instead be as an offer to adjust the mortgage rate of an existing loan. Specifically the phrases " your loan may be eligible to receive a rate reduction '', " Rate reduction can be implemented in 2 weeks ''. I further believe the DBA of " hometown loans '' is intentionally misleading so that phrases such as " call a hometown loan specialist at XXXX '' can functionally appear to be a XXXX XXXX phone number to a reader, but allow for plausible deniability. The letter does identify itself as from " Hometown Loans '', but only in contexts where this use/mention distinction is ambiguous.
Consumer complaint received 2019-08-21
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. (NV)

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax and XXXX where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE Remove  XXXX XXXX   (Original Creditor: XXXX XXXX XXXX HOSPITAL) XXXX, XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX) XXXX
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have XXXX and was notified about a hard inquiry on my credit which was associated with XXXX XXXX XXXX. I do not know the exact inquiry date but just received the XXXX notice today, XX/XX/XXXX.
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (CA)

There are two accounts that show on my credit report that do not belong to me. I am attaching my Experian report for your reference. The account named " XXXX XXXX XXXX '' on page 45 and " XXXX XXXX XXXX  '' on page 53 are two collections agencies shown on my credit report. ( I am including a pdf ). I have disputed these accounts with them several times in writing and through experian.com and they refuse to remove that from my credit report. I never opened any accounts that were passed two these two collections agencies. They simply indicated that it was me because the person that fraudulently open the accounts had " been making payments '' on those two accounts. However, I never authorized anyone to open an account and much less to make payments on them. I have been denied credit because of these two accounts. It has been years and I am unsure what else I can do to remove them. I have also been receiving subprime rates and I am unable to refinance my student loans.