davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-05
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX contacted Wells Fargo Bank by phone to transfer funds from my checking account into a savings account. I was told that I could do this by phone and was transferred to an employee named XXXX in Minnesota. He read multiple disclosures and then set up the savings account. I asked the agent to link the new savings account to my existing debit card. The agent said he could but that he would have to send a new card with a chip. He confirmed that the new card would have the same number as the old card and that my card would remain active until I activated the new one. The card would be sent via mail. 
After a day of shopping and using my current debit card on XXXX XXXX I attempted to use my debit card at am ATM only to be declined. I called Wells Fargo Bank only to be further humiliated when I found out that I could no longer use my old debit card and have no access to any of my funds via my debit card until I receive the new one in the mail. Per my email from Wells Fargo the card was mailed XXXX XXXX and I should receive it in 5-7 business days. Until that time I have no access to any of my funds. Because of Wells Fargo 's inconvenient business hours, I can not utilize branches and rely on debit purchases and ATMS for cash. 

Here 's where I am now. I have no way to purchase groceries, no way to purchase gasoline for my car to go to work and {$4.00} in cash. Wells Fargo is holding my money hostage. I believe they have damaged me and that I deserve compensation. I would appreciate your assistance in this matter.
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As a result of a Credit Card furnishing me with my updated FICO score periodically, and having recently applied for credit, I learned that there is a XXXX point difference between XXXX of the XXXX reports. I spent time and money to find the XXXX, and was directed to file a complaint to an address that does n't exist by Transunion ( the one with the lowest score ). I tried to get all XXXX of my reports for free, but when I was on the phone with XXXX to get a bunch of information corrected ( duplicates, wrong address information, incomplete work history, some of my son 's credit history included in mine ), I timed out and was unable to retrieve or correct the other XXXX reports, though I 'm sure the same misinformation exists. This process of each of the XXXX companies using different models, different information, and NOT sharing a credit score unless the owner of that score pays for it causes the consumer to be denied credit frequently. Speaking with the individual company ( Transunion ) took XXXX hours and I never got an answer-a supervisor hung up on me ( XXXX XXXX ). He would not furnish me with his direct line or an address, or refer me to anyone else before he hung up on me. He also stated he could n't pull up my report and insisted I tell him what " factors '' affected my score, but could n't explain any of them. The entire process was frustrating, provided no information of value, and caused me a great deal of stress-and I still have no answers as to WHY I have XXXX credit reports with vastly different scores. Finally, when I asked for an address or contact information to file a complaint, I was given an address of FCRA, Credit Bureau Disputes, XXXX, DE, XXXX. This address is NOT associated with anything relevant to filing a complaint and I feel the supervisor purposely gave me false information to lead me astray.
Consumer complaint received 2022-09-06
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: CAINE & WEINER COMPANY, INC. (NJ)

taking action against XXXX  they sold my account to a third party which is Caine & Weiner which under the FTC law that third party debt collectors can not collect on a debt
Consumer complaint received 2022-10-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation (IN)

My cousin XXXX XXXX stole my identity back in 2015 and I was made aware because she tried to use my name during a traffic stop I was advised by the police IMPD to get a finger print card and carry it with me. Shortly after I would say 6 months I started seeing things on my credit report that I never had in my possession. After a long disputing process I got everything thing removed due to fraud. Now after thinking it was over I started getting garnished by a company for a loan I never got. I never received any court dates or any hearing notices because they were sending them to my old address. Even after they got the garnishment approved via my job and received my new address they still havent sent any paperwork to my current address and its on file but the company is garnishing my checks.
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (NJ)

These accounts do not pertain to me at all. Please have them removed from all 3 credit reporting agencies. Please see below the list of accounts : 1. Identity Theft XXXX Account number : XXXX This is not mine. 

2.Identity Theft XXXX Account number : XXXX This is not mine. 

3. Identity Theft REMEX INC Account number : XXXX This is not mine. 

4.Identity Theft REMEX INC Account number : XXXX This is not mine.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OK)

I submitted my IBR application online before my application deadline. I was prompted to print out and send in the form and income verification. I contacted FedLoan to ask where to send the application/verification, but I never received a response. I followed up by calling their customer service. The representative told me that my application had been received and that I only needed to upload my income verification. I uploaded the verification and later received a response that my application for IBR was denied because the form was expired ( despite it having an expiration date of XX/XX/XXXX ). Upon contacting customer service again to ask about the denial, I was told that my application could not be submitted online ( despite the first customer rep telling me that my application was received and that I only needed to upload my income verification ). I immediately uploaded a paper application and verification. Unfortunately, they processed my application after the most current billing cycle ( XX/XX/XXXX ), leaving me on the hook for a student loan payment XX/XX/XXXX that was 3 times my normal payment. The IBR application only applies to the XX/XX/XXXX bill and forward. I contacted customer service again, and they told me there was nothing they could do about XXXX 's payment. They blamed me for not uploading my paper application until after XXXX 's bill was generated. I explained to them that the only reason the paper application was not uploaded originally is because 1 ) they never replied to my message asking where to send the application and ; 2 ) the first customer service rep I spoke to told me that they had received my application, indicating that there was no need to upload it, only that I needed to upload the income verification. Their solution was to put my account in administrative forbearance for XX/XX/XXXX. I agreed, as they told me there were no other options. However, that means that more interest is accumulating while the loan is in forbearance. I am also seeking PSLF, putting my qualifying payments one month behind. I can not help but think that the process is deliberately confusing and that their reps are encouraged to make it even more so, so that the company makes extra interest on the loan while it is in forbearance.
Consumer complaint received 2022-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I signed up for a XXXX plan through XXXX for XXXX XXXX ( later called XXXX XXXX  ) in XX/XX/XXXX. I utilized my XXXX  benefits for routine primary and preventative care covered under my plan on XX/XX/XXXX, and then ended my plan in XX/XX/XXXX. Now, over a year later, I have been contacted by " Credit Collection Services '' claiming that I owe {$2300.00} to XXXX for a variety of procedures, services, and supplies. This cost should have been covered by my healthshare plan, and should not be in collections.
Consumer complaint received 2017-02-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Northwest Trustee Services, Inc. (CA)

I have contacted the Northwest Trustee Service in which is my mortgage has been transferred to from XXXX. I have fees from northwest that are bogus that they want me to pay. In which I was never contacted by them or receive and documents from by mail or certified mail. I have called northwest several times and ask them to provide me with documents that I have sign or they have sent out in which they fail to do so. Anyone can get a tracking number from any postal service or XXXX or XXXX online and never deliver. I feel that Northwest are trying to make me pay for fees and work that they did not do. Which is Illegal for them to do so.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (ME)

In XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, XXXX XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XXXX of XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In correct information is on my credit reports under acts law ... ... list of companies is on my reports... .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 2019-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I called in on XX/XX/XXXX and spoke with a representative in regards to a payment getting returned that I noticed on my Capital One Credit Card. She told me to contact the bank to confirm my account number. I submitted another full payment to try and pay my credit card off and I got the account number incorrect again by one digit. I just opened up this checking account last month so I was confused on the account number. The representative I spoke with on XX/XX/XXXX never mentioned my account could be subjected to closing if I have another returned payment. So I submitted a second payment with the full amount in which got returned because I got the account number incorrect again. My payment wasnt even due until XXXX. I called my bank again and they told me that instead of going through my Capital One App that I can go through my banking app. I did that. I submitted a {$10.00} payment and it shows it went through. However, capitalone closed my account. I have not even had the credit card for a full month. My payment wasnt even due. The payments got returned due to an invalid account not because of insufficient funds. Capital One never called me to notify me of my account being closed or assisting me in anyway to prevent my credit account being closed. I called in today, XX/XX/XXXX, and spoke with a gentleman named XXXX who was not helpful at all. Did not care to help me fixed the situation and basically said that Im out of luck. Im upset because no one made me aware or notified me of the consequences of getting my account number incorrect. I can understand if the payment got returned due to NSF but it didnt. I made a mistake with my new checking account number. My payment wasnt even due on this credit card.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

On XXXX XXXX, XXXX, I returned a XXXX XXXX XXXX at the end of the three-year lease. 

XX/XX/XXXX, the XXXX  Dept. of Motor Vehicles sent a Notice of Delinquent Renewal and a fine because XXXX failed to notify DMV that they took possession of the car. I cleared that up with DMV. 

XX/XX/XXXX, my credit monitoring service notified me of a Delinquent Account due to Hyundai, and my credit score went from XXXX to XXXX. 

Hyundai said I owed a {$400.00} disposition fee and {$65.00} for excessive wear, a total of {$460.00}, and that bills were mailed to me. I said I did not receive any mail from Hyundai. I check my secure mailbox daily and the XXXX said there were no reports of mail theft at my address. 

Hyundai said they called me but did not leave messages as per the law. As per the XXXX Police Dept. Financial Crime Section, that law applies to telemarketers ; Hyundai and I had a business relationship and they should have left messages. 

Hyundai said they don't send notices via e-mail. I reminded them I paid my bill and had other electronic transactions with them. 

XXXX XXXX, XXXX I received a bill from them and mailed a check to Hyundai. 

XXXX XXXX, XXXX as per my bank Hyundai transacted my check. 

XXXX XXXX, XXXX my credit monitoring service notified me that Hyundai made the XXXX XXXX XXXX, and my credit score went from XXXX to XXXX. 
I sent several letters to Hyundai asking that my credit be repaired. 

XXXX XXXX, XXXX I received a letter saying Hyundai Motor Finance record reflects that on XX/XX/XXXX we received a final payment in the amount of {$460.00} on ( this account ). At this time your account status is paid in full and closed. 

I filed complaints with the Federal Trade Commission and the XXXX  Dept. of Business oversight because Hyundai Finance is located here, but those efforts hardly improved my credit score. 

In XX/XX/XXXX, I contacted the XXXX XXXX XXXX XXXX for Conflict Resolution. Last week they finally got a response from Hyundai that the company does not have my records and to challenge my score with the credit agencies. 

To this day, Hyundai continues to send me maintenance reminders and sales notices related to the leased car I returned.
Consumer complaint received 2016-10-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I am behind on my mortgage due to XXXX XXXX XXXX and it 's complications. I have been awarded Social Security XXXX, and have notified my lender of such. I am working with XXXX XXXX XXXX at Bayview Loan Servicing , LLC and he is aware of this. He and I are going to work with Keep Your Home California to modify my loan AS SOON AS XXXX PAYMENTS START XXXX/XXXX/2016. I have repeatedly offered to send XXXX XXXX copies of my Award Letter showing that my payments start on XXXX XXXX, 2016. He has refused, saying that he can only use a bank statement showing my first deposit. In the meantime, Bayview has started foreclosure proceedings through XXXX XXXX. I called XXXX XXXX and he said they were " just doing their due diligence, not to worry ''. In the meantime, I called XXXX XXXX and was told that XXXX XXXX gave me the wrong information. They said XXXX XXXX should talk to his legal department to have them rescind the foreclosure. I called XXXX XXXX and asked him to speak with his legal department and he refused, saying that " Everyone has a story, I ca n't call them on each and every case ''. I again asked to fax him the XXXX paperwork showing my award and first pay date. He flatly refused to accept them. Fortunately, XXXX XXXX has stated that each call is on a recorded line. I also recorded our last conversation on my end, in case his recordings get lost. I am also attaching a letter that I am faxing to XXXX XXXX. They told me they would send it on to Bayview Loan Servicing , LLC
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/2020 I initiated a Money transfer with Western Union from  my bank XXXX in USA to my Bank in XXXX, under tracking number ( MTCN ) is : XXXX they got the funds from my bank on XX/XX/XXXX and have been waiting till now XX/XX/2020 for the funds to be delivered.Today Western Union operator claims the funds were received late by them from XXXX on a late date and canceled the transfer and claim they will return funds in 6 more days. My complaint is that Western Union takes funds from me on XX/XX/XXXX and will return them in XXXX some future date. I'm under no fault and still have been ripped of by U $ XXXX XXXX for all these days and they will not return the funds as of today. This seems to be a very bad system and we are completely indefensible against these giants.I hope you can help
Consumer complaint received 2016-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

My FedLoan Servicing is disorganized, they are dishonest, and they are impossible to work with. XX/XX/2016, I called to get on an extended repayment plan, and was assured that if I made a payment of {$150.00} on or before XXXX XXXX, my payment would be adjusted to roughly {$350.00}. I made that payment, and signed in in XX/XX/XXXX to make a payment. My account balance showed {$0.00}. I signed in in XX/XX/XXXX to make a payment and my account showed I owed {$550.00}. Their loan servicing practices are convoluted and impossible to navigate, their website is impossible, and their customer service is abysmal. I want their loan servicing practices investigated and I want loan forgiveness for the loan payments they have messed up.
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Item in dispute is an entry on TransUnion credit report. A Federal Tax Lien was filed in XX/XX/XXXX based on tax years XXXX, well beyond the legal limitation window of three years. TU confirms only that it is on file in XXXX XXXX, California ; and they intend to keep it posted on my credit report until XX/XX/XXXX. It is based on tax years beyond ten years history now. I am respectfully requesting that this be removed from my file. I hope you can help me with this. Thank you for your look into it. Court document attached.
Consumer complaint received 2021-05-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In the process of applying for another loan, my credit report showed a delinquent account with an overdue amount to a utility company in Texas. I have never lived in Texas and my last XXXX  trip to Texas was at least XXXX years ago. 

I submitted a dispute to TransUnion XXXX and the utility company - I'm still waiting to hear from the utility company ). TransUnion 's " investigation '' stated that my report is accurate with regard to the amount due the utility company. They provided no evidence or explanation as to why they think this is correct. TransUnion should be obligated to provide documentation and verification. 

I can not prove a negative - it's up to them to prove this is my account.
Consumer complaint received 2017-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

I received another letter in the mail today from XXXX XXXX regarding an account showing me owing XXXX to a company regarding a credit card of which I 've personally never have had, or in this case, someone opened without my consent and made one payment and then let the account go into collection in XX/XX/XXXX, and as the person mentioned on the phone when I called to dispute this claim she said it was charged off in XX/XX/XXXX and that due to the statue of limitations they can not sue for collection but will continue to report this until the matter is settled. This account is not even on my credit report.
Consumer complaint received 2017-05-31
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. (RI)

XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  This  inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''