davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AZ)

An auto loan with Wells Fargo Bank was paid off in full in XXXX XXXX for the amount of {$370.00}. Wells Fargo wrote on XXXX XXXX XXXX that the auto loan was satisfied in full and submitted a request to XXXX Credit Reporting Agencies - XXXX, XXXX and XXXX - to update my credit report. 

Subsequently when I applied for a home loan in XXXX XXXX, it transpired that Wells Fargo had reported that the loan was either charged off or written off and I still owed money on this account which is false as the amount was paid in full. So my credit report is adversley affecting my chances of obtaining the loan as requested. Wells Fargo have admitted their error and have submitted a request to the Credit Agencies to update their reports but say that it will take 30 to 60 days for this to happen. Time is of the essence and I have waited almost 5 years for them to rectify this. 

I have called Wells Fargo several times to try and resolve this matter by asking them to do a rapid rescore and send it to the Credit Agencies as soon as possible. My initial contact was XXXX in the Executive Office who gave me a Complaint Case # of XXXX saying that it would take 10 business days for this to happen and referred me to a XXXX XXXX ( Tel XXXX XXXX XXXX ) with whom I left messages to call me to no avail until I reached a colleague of his, XXXX, who sent a text to both XXXX and his boss , XXXX XXXXe ( Tel XXXX XXXX XXXX ). I subsequently had phone calls from both explained the situation and of the massive importance of the requested rapid rescore. XXXX has twice written to me to admit Wells Fargo 's error and XXXX telephoned me to say she would not do a rapid rescore and that the 10 business day alternative would be the only resolution. The 10 business day period is now over and I have phoned both XXXX and XXXX and left messages for them to call back but neither has bothered to do this. 

This whole matter is badly affecting a ) my credit score b ) my chances of a private equity loan and c ) my health as it has caused me much XXXX and has led to me having very XXXX XXXX XXXX levels and XXXX XXXX. It has also meant that the home we picked out has risen in price by {$3000.00} and we are potentially going to lose our preferred lot. This will likely also cause increases in my home and car insurance policies. 

Wells Fargo Bank having admitted their error should be making every effort possible to resolve this for me as quickly as possible and it seems the only way I can get something done is by contacting you. 

The documentation regarding this is attached in the relevant section.
Consumer complaint received 2018-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NY)

Ive been banking with TD bank for a couple of years now and I usually dont go thru my online statements but recently when I logged on I see a {$35.00} charge even after the fact that my funds are posted next business day. But Im checking my statement for XXXX 2017 and Ive paid {$660.00} in fees and the rude customer representative is gon na tell me theres nothing they cant do..well Td you have just lost a loyal customer
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

Contacted National Credit Adjusters , LLC  XXXX / XXXX / 17  in response to a message they left with my mother  XXXX / XXXX / 17 . I called  XXXX  I spoke with  XXXX , She would not tell me about the debt that I owed. I asked the name of the company they were hired by, how much  I owed. She would not tell me anything and demanded that I verify who I am by giving the following : last four of my social security number, birth date, and address. I told her my full name again, and that without her telling me who she was hired by to collect the debt I did not feel comfortable giving her that information. I then asked if she would no longer contact me via phone and only contact me via mail. She explained th at without me verifying that information she could not honor my request for mail correspondence.
Consumer complaint received 2017-07-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

Since XX/XX/XXXX I have submitted disputes to the credit bureaus and spoke with company directly about incorrect information on my credit file showing my loan defaulted by 90 days yet my account was in inschool deferment. XXXX had removed the 90 late then it was reinserted back on my file only to show now it 90 days late only in XX/XX/XXXX but in good standing in XX/XX/XXXX, XX/XX/XXXX and moths leading up to now. In the comments it states account resolved by grantor yet it is not and the bureaus have not done a proper investigation after numerous ongoing disputes
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (DE)

On XX/XX/XXXX I began the Income Driven Repayment Plan application. I was placed on Forbearance for this, via a notification from Mohela on the same day. On XX/XX/XXXX, I received a bill for interest and fees, the letter that I received in via their app was dated XX/XX/XXXX, also this was despite Federal legislation that was passed not requiring the borrower to pay anything until XX/XX/XXXX due to XXXX and also that this type of Forbearance does not require the borrower to pay interest. 
Then on XXXXXX/XX/XXXX, I received a letter in the Mohela app dated XX/XX/XXXX telling me I had been placed on Administrative ForbearanceXXXX XXXX days later on XX/XX/XXXX I was informed of a " Correspondence Processing Delay '' and told no action is required on my part ( this was received in my Mohela app inbox on XXXX  ). 
On XX/XX/XXXX and XX/XX/XXXX I was sent back to back notifications once again telling me there was a " Correspondence Processing Delay '' with the same information as the first letter. 
On XX/XX/XXXX a statement showing I owed {$0.00} was sent to my Mohela app inbox. ON XX/XX/XXXX I was sent another letter letting me know they received my PSLF application and it would be about 30 days to process. 
On XX/XX/XXXX I was sent a " student loan interest '' bill stating I owed {$0.00}. On XX/XX/XXXX I received the first update on PSLF. 
On XX/XX/XXXX ( XXXX days after my XXXX dollar bill ), I received a bill for {$560.00}. 
On XX/XX/XXXX I was informed that I was being placed on Forbearance during processing AGAIN, despite I was never taken off. 
On XX/XX/XXXX I was sent a notification that I was approved for the XXXX plan and my bill would be {$200.00} starting.- I am still on Forbearance for Consolidation application. 
On XX/XX/XXXX I was sent the confirmation that interest would not be capitalized. 
On XX/XX/XXXX I was sent a bill for {$760.00}, including a passed due balance of {$560.00}? 
I reached out to Mohela on XX/XX/XXXX and relayed all of this information. Being I was on XXXX, my last XXXX said I owed {$0.00} etc I did not hear back. I did however recieve past due reminders. 
On XX/XX/XXXX I received a bill for $ XXXX I contacted them again. No one has responded. 
I am incredibly concerned that this will ruin my credit. I was just taken off of Forbearance after my Consolidation application was approved about 10 days ago. I shouldn't have a bill more than the {$200.00} due XXXX month from being taken off of XXXX. No one will answer me. Please help!
Consumer complaint received 2022-09-09
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. (DC)

In accordance with the FCRA 15 U.S. Code 1681i XXXX XXXX, XXXX and Experian has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX  ACCOUNT # XXXX XXXX XXXXEXPERIAN DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX/EXPERIAN US DEPT ED ACCOUNT # XXXX XXXXEXPERIAN  USDOE/XXXX ACCOUNT # XXXX XXXX/XXXX/EXPERIAN XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX EXPERIAN
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (OH)

For some reason this company just randomly showed up on my credit reports in XX/XX/2019 claiming I owe a debt without sending me proper validation for the debt they claim I owed. I have mailed this company a letter to validate the debt on XX/XX/2019 and have not received any follow up correspondence from them assuming this collection was bogus. They continue to damage my credit reports and credit score by reporting this erroneous debt without sending me any information or validation I requested in writing from them. I have never received any letters or phones call from this company prior to reporting this debt to the credit bureaus. I also disputed this debt twice with the credit bureaus by certified mail on XX/XX/2019 and again on XX/XX/2019 with both disputes coming back as verified which is false. How was this debt verified with the bureaus but not with the consumer ( me ) like requested?!
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Hello, on XX/XX/XXXX someone used my card at a chase ATM when I had just gotten off work at XXXX XXXX, and chase is saying that since the person used my PIN number I am eligible for the fee and they have my account {$210.00} in the whole due to not simply checking the video .The person took the money out at XXXX.
Consumer complaint received 2017-07-28
Product: Debt collection — I do not know
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: ENCORE CAPITAL GROUP INC. (VA)

The company named MCM contacted a family member and stated that I have a lawsuit with my name on it. I have no knowledge of this lawsuit as I have not received any official documentation.
Consumer complaint received 2018-01-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Compliance Services, LLC (IA)

This is in regards to case # XXXX, XXXX, and XXXX. 
At the very beginning of this they said they would not quit calling us because they said it was the primary number my son gave for him. When we spoke to him he stated he never gave our number out. They have lied to us numerous times including telling us that different employees had spoken with us. My answering machine has XXXX XXXX 's name recorded on it and yet XXXX the manager tried to tell us it was a XXXX that spoke with us. They said they are not the company that was involved in this and yet when I called the number they gave and asked them if they were XXXX they replied yes they were.They have continued to harass my daughter and myself. My daughter and I called XX/XX/17 and told them we were recording the call and did record the call requesting a cease and desist fax number and what they needed to process this and were told they do not give this out and will not honor one any way. At the beginning of the call my daughter asked them the name of the company and asked if they were XXXX and told them they were being recorded and they said yes they knew. They verified that they are XXXX and knew they were being recorded and got defensive they ended up hanging up on us. We do not need to be harassed by creditors and the information that they have shared with us should have been private information.
Consumer complaint received 2022-11-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I called Bank of America, when I received a Pro-active monitoring alerting thru XXXX. I filed a dispute that I did not open the credit line. I provided the Fraud agent XXXX with my account information AND the XXXX dispute number I entered when they denied I opened new credit. After a 45 minute conversation they finally admitted they did receive an application in my Name for a XXXX XXXX credit card and said the application had not been approved and would be blocked. They open the card anyway. XXXX was the manager. I had been advised they went ahead and opened the credit card. ( XXXX ) They opened this despite me filing a dispute and pushed it through.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

In accordance with the FCRA 15 U.S. Code 1681i XXXX XXXX, Equifax and XXXX has been violating me for sometime. This is my second attempt to get these alleged accounts removed. I have provided attachments of proof of the inaccurate consumer reporting. I, consumer have the right to privacy and these Consumer reporting agencies have not provided me with any consent to furnish any of these alleged and inaccurate accounts. These accounts are causing me anf my family financial damage. 

15 U.S.C. 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C. 1681 Section 602 A. States i have the right to privacy. 

Delete these account immediately, unless you want to be held liable for {$1000.00} per violation XXXX XXXX # XXXX XXXX XXXX DEPTEDXXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX US DEPT ED ACCOUNT # XXXX XXXX/EQUIFAX/XXXX  USDOEXXXX ACCOUNT # XXXX XXXX/EQUIFAX/XXXX  XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (LA)

U.S. Bank Home Mortgage has {$34000.00} for me in a restricted escrow account that was left after my home was repaired in Hurricane Ida. I want to pay my home out. They have received the {$1400.00} from my XXXX Bank account. I have never seen a company that doesn't want a customer to pay them out.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have repeatedly submitted a request to remove this account. It is stale dated and exceeds the statute of limitations. It was agreed that when I paid the account in full many years ago, that it would be removed from my credit report.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Today I tried to get my free copies of my Credit Reports from the three Credit Bureaus but lately I have not been able too. I am becoming very upset as to why I can not obtain these reports. It seems when someone else inquires they are able to receive the information I seek, but I can not. I have reason to believe there is something reported that they do not want me to see. I would like a copy of my free Annual credit report ASAP.
Consumer complaint received 2017-07-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (WA)

I have been the executor of my mother 's estate since XX/XX/XXXX. My mother had maintained an CD account that I was not aware of, and the sole beneficiary was her sister who was living at the time in XXXX XXXX in a XXXX XXXX. She was unmarried and died without a will or beneficiary. I have been working with the JPMorgan Chase Bank, Deceased Processing Department in XXXX XXXX, Texas since XX/XX/XXXX to close the account. I have researched, secured, and forwarded documents, to include various from XXXX XXXX. After 5 years of interaction with multiple representative at the XXXX XXXX, Texas branch, I was recently told the Deceased Processing department has reorganized moved some or all of its functions out of State to Florida. Based on the responses of the Florida representatives, I have lost continuity on my past actions and efforts. To make the matters worse, the JPMorgan Chase Bank Deceased Processing representatives in Florida is now refusing to reveal or document their intended action going forward. This is contradictory to the Bank 's previous notifications to me. As recently as XX/XX/XXXX, the Deceased Processing department leader in XXXX XXXX office informed me that the account would be closed, at the latest, by the end of XX/XX/XXXX. I was told that this determination was made after her consulting the JPMorgan Chase Bank Deceased Processing Legal Department. I have expended tremendous amount of effort to communicate and provide all of the documentations collected from XXXX XXXX, as well as others, during the last 5 years.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now  XXXX  has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.
Consumer complaint received 2019-10-29
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX, XXXX ( Original Creditor : XXXX ) XXXX
Consumer complaint received 2017-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MI)

I am an American Express  XXXX  platinum cardholder and have been the victim of fraudulent advertising., I received a promotion targeted offer from American Express in  XXXX ,    2016  promising me  XXXX  bonus miles and  XXXX    XXXX   qualifying miles if I spent {$75000.00} on their card in  2016 . I registered for the promotion and spent the qualify g {$75000.00}. I have never received the promised bonus or  XXXX  miles. I have called American Express repeatedly and have received a variety of answers including : yes they see the promotion and wait, the miles are on the way ; they see the promotion but do n't know why I have n't gotten the miles ; references to a computer glitch and no notes in the record regarding my disputes ; promises of supervisory callbacks that never happen ; and today   XXXX   at  Am  Ex advised me no such promotion existed. I have a copy of the promotion and a record of the different employees I spoke with along with their employee ID number. I will attach my documentation.
Consumer complaint received 2018-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

I received a collection bill via a collection agency called XXXX XXXX XXXX XXXX . They claim I owe {$250.00} to XXXX as of XXXX/XXXX/XXXX. However, I do not have a XXXX account. The bill itself looks sketchy. 

The bill says to send payments to this address : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, WA. XXXX The return address on the envelope is different. it is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX