davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

There was a total loss on my vehicle and Wells fargo incorrectly reported my loan past due and continues to report it past due. I spoke with the total loss department and it has been verified twice now they agreed to submit to the credit agency that the payments reported late were never late. I just disputed this on my credit report after talking to a wells fargo agent because she said that was the way to get it off my credit. They will send the request to wells fargo and it will show the notes that it was to be taken off. The only reason this account was considered late in the first place was because wells fargo incorrectly filled my loan documents out and could not provide my insurance company with a title so they withheld payment. My insurance company was ready to send a check to wells fargo about 7 days after the car was totaled. Wells fargo is reporting my payment 90 days late. All of the conversations are noted by wells fargo and can be confirmed that around mid XXXX i spoke with the total loss and they agreed the defaulted account was not my fault and would be corrected.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NC)

XXXX I filed this complaint yesterday and now I have found new information that this is still not corrected. This is what I found today - see attached file. I have been making payments in the forbearance agreement - Loan Care was supposed to correct that but I wanted to send these two files - one I attached yesterday to the complaint number above and a new one I found today which still shows me being 180+ days late and that XXXX payment is late. I went online and paid the {$130.00} payment for the forbearance plan and in the account it stated I owed XXXX beginning XX/XX/XXXX as part of a Modification Plan BUT that clearly stated it begins on XX/XX/XXXX. XX/XX/XXXX paid the {$130.00} on forbearance plan payment of {$130.00}. This new report I found says XXXX payment is late ... ... ... how can this all be fixed?????
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.
Consumer complaint received 2021-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc. (AR)

XXXX sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED
Consumer complaint received 2018-06-22
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. (LA)

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files. 
I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.
Consumer complaint received 2020-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-06-22
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. (LA)

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files.

I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

I am writing a response to Helvey & Associates regarding a FTC avid avid and request for removal. A police report has been filed with XXXX military police. Documentation has been sent to XXXX XXXX of Indiana and will also be sent to you and will arrive soon. However, the item needs to be taken down immediately. I will also forward you letter to the FTC with police report as well. I have forwarded your response to the corresponding officer and my attorney. If the items is not removed immediately I will move forward with civil suite . Once again I ask that you remove this item from my XXXX, XXXX, and XXXX  report. I would like to work this out with you but if a resolution if not met I will seek further legal action.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (MA)

I have been in communication with the Target corporation since XX/XX/XXXX in an on-going question as to whether I was a victim of fraud. After multiple communications with the company and even filing a police report, Target refuses to cooperate and will not even conduct a thorough investigation to determine if my case is fraudulent! This leads me to believe Target is fully aware of these fraudulent activities related to gift card use at their stores, and chooses to do nothing about it to protect the consumer! Target seems more concerned about generating profit and sales than protecting its Target card holders ( I have been one since XXXX ). So Target card holders beware! You have minimal fraud protection from this company!
Consumer complaint received 2018-06-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (CO)

My car was turned in XX/XX/XXXX before the lease was up and our local dealership paid off the remaining lease. As I knew, everything was handled and the car was under mileage and in great shape. XX/XX/XXXX, I started getting phone calls from ally saying I owed fees. I asked the gentlemen why havent I received a statement via mail or email but just a phone call. We verified my email and address and said I would not be paying any fees until I received the summary of charges in the mai. My address has not changed so still unclear why I got a phone call. The guy was harsh and I asked to not be contacted until the bill was mailed and once received then I would contact them. The calls began daily even on Saturday. All hours and it interrupted my job as well. A month later still no statement or email so I did answer and asked again for the next 4 months to mail or email me a statement and its the end of XXXX and still receiving harrassing calls now even from their attorney supposedly. I have still not received a statement of the charges via mail or email. Again my addresss havent changed. These calls have caused additional stress along with affecting my credit. How can you or anyone pay a bill based on a phone call? No statement or anything. The calls have been several times a day 6 days a week now for 5 months when all I asked was to mail a statement. This is harassment and at this time I will not pay for claims I have yet to receive and for the addtonal stress and time they have taken from me, a price cant do justice. I want this dropped before I start filing a case!
Consumer complaint received 2018-06-22
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 my bank Account at Bank of America was closed due to bank policies regarding international clients I was told. At the time I had XXXX $ Dollars balance. I did not get my funds via check through the mail as they said I would. I went to the branch near my home and did not receive any info or help, they said I should check the mail. Its been more than 2 months and I have not recieved my funds yet.
Consumer complaint received 2018-06-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lincoln Educational Services Corporation (TX)

I enrolled at XXXX XXXX XXXX in XX/XX/XXXX, and didn't qualify for financial aid and had to apply for a private loan. I wasn't accepted into the school anymore and had to start making payments on the loan. I initially started making payments in XX/XX/XXXX while XXXX in XXXX and stopped due to financial problems. And then the harassments started. I spoke to financial counselor about the situation of XXXX XXXX calling me throughout the day, leaving voicemails, texting me, and threatening to sue me.
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Experian Information Solutions Inc. (TX)

XXXX child support. They threatened to have me arrested. They do not identify as a debt collector. They collect on debts that they do not own .... ie a debt collector. The person they collect for has to pay them an annual fee to maintenance the account. In none of the correspondence sent from the company has any mention of them being a debt collector. They violate all kinds of laws regarding debt collection. They stole my stimulus check. This company is a bad actor and needs to be shut down.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CO)

We were working with Chase to refinance, combining our XXXX and XXXX and take out some cash. We knew we could do this and stay under 80 % LTV. When we filled out the paperwork, the numbers were filled in to reflect our XXXX and XXXX but not the cash out. We were told that we could adjust that number once the appraisal came in. However, the appraisal only came in at {$4000.00} more than what we had to have for the XXXX and XXXX with little room for cash out. Oddly though, our appraisal was also {$20000.00} less than what homes were selling for in our neighborhood - right next door. We brought many glaring mistakes in our appraisal to our loan originators attention and requested a second appraisal. We were denied. We brought it to our loan originator 's superior and were denied. We called Chase XXXX number and brought it to their attention and were denied. Our concerns include the fact that the woman that showed up was not the appraiser, but a subcontractor. I did not learn this until she was leaving and have no proof other than a picture of her truck in my driveway. Assuming she was the appraiser I expected specific builder upgrades to be noticed - walk-in closets, whole house fan, pantry, wiring for hot tub, wiring for swimming pool, and skylights. However, there is no mention of these upgrades in our appraisal and no pictures were taken of these things. So, the appraiser refuses to acknowledge them. The square footage in the appraisal is also incorrect and we were not given the opportunity to provide proof of correct square footage. In addition, our home was compared to other homes that were not in fact comparable. We have a three bedroom, XXXX, two-story. We were compared to ranches with 2/3 the square footage, fewer bedrooms and fewer bathrooms, and one home that was not only smaller with fewer bedrooms and bathrooms but was also XXXX years older than ours ( our home is only 17 years old ). There were XXXX homes sold in our area within the previous year and only XXXX of our comparisons were truly comparable. We pointed out XXXX homes that had sold in that period that were more comparable, but they ignored us. Finally, even with the comparables used and the price adjustments made, our home was valued {$7600.00} below the average of the comparable adjustments - and yet even the appraiser acknowledges that our home " has been well maintained. The subject 's design and floor plan is well accepted in the market and does not suffer from physical, functional, or external inadequacies. The subject has been updated ... '' All of this, plus our inability to get Chase to work with us, or on our behalf, leads us to question whether our loan and appraisal may have been price fixed. While we do not have any interest in working with Chase at this point, and would like to get our {$500.00} Good Faith Funds fee returned, our main goal is to ensure that if there was any misconduct on anyone 's part ( Chase, appraiser, etc. ) that they are held accountable.
Consumer complaint received 2021-09-13
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. (WI)

There is account on my name that is not mine, I tried contacting the creditor, they told me there is no account matching my social security number. The company is called XXXX XXXX XXXX This information was reported by Equifax, this information is incorrect and it's not mine. 

XXXX XXXX Report XXXX : XX/XX/XXXX Reported Balance {$76.00} Credit Limit {$200.00} Account Status PAYS_AS_AGREED Owner Account Type REVOLVING Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed 22 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$76.00} Credit Limit {$200.00} High Credit {$190.00} Available Credit {$120.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-01
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: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I booked a trip to XXXX through XXXX. XXXX cancelled the trip due to boarder closing due to COVID-19 on XX/XX/2020 and indicated to contact your bank for reimbursement. I immediately called HSBC and opened a dispute. I have called multiple times, sent letters, and opened online inquiries as to date have not received anything. The total charge for the trip was {$2400.00}.
Consumer complaint received 2019-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (VA)

I had my last course completion on XX/XX/2019. I have already been called repeatedly and have received a notice that I have missed payments totaling {$390.00}. XXXX Loans claims I am delinquent however I have been in in school deferment since XXXX. They have constantly harassed me in the past despite my in school status.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NJ)

LATE FEE was assessed even though Chase made it impossible to make the payment online by purposedly blockign access to my account. Although there may be times when making a payment online is not possible, such as their own internal outage or server issues, this account was blocked apparently on purpose so that the fee would be assessed immediately. The actual payment had to be - and was - made the next day, after access to the Chase website was secured. The company stated that other means to make the payment were available, e.g., phone, I, however, had no access to the phone on the evening the payment was due. Chase has refused to credit the late fee despite being responsible for the issue.
Consumer complaint received 2018-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I have filled a dispute several times through equifax explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have  acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my Equifax credit report and Equifax is agreeing with the company on this bogus proof or debt they are providing. Is equifax an accomplice? I am happy to add them to the lawsuit as well.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I had a promotional balance transfer balance of {$3100.00}, entering the statement cycle. That cycle, XX/XX/XXXX to XX/XX/XXXX, I made four purchases and two payments. The purchases : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX The payments : XX/XX/XXXX XXXX XX/XX/XXXX XXXX At the end of the month, the promotional balance was XXXX, meaning that XXXX of the payment on XX/XX/XXXX was applied to the promotional balance, rather than the charges made on XX/XX/XXXX and XX/XX/XXXX that carried the higher balance. When I called Wells they said that they " generally '' apply the payment to the higher balance, as " a rule of thumb '' but that " there is no guarantee ''. The customer service rep even admitted that it it two lines in the terms of agreement. I feel like I have been punished for proactively paying down my debt.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Already submitted everything! I will keep submitting complaints until this is resolved!!!! I did NOT GO TO THIS ER AND GET THESE SERVICES DONE!!! THE ATTACHMENT I PROVIDED WAS TO SHOW I'VE BEEN DEALING WITH IDENTITY THEFT I WAS NOT " CONFUSED ''. THE ONLY THING CONFUSING IS THAT ITEMIZED BILL THAT SHOWS ABSOLUTELY *NOTHING* TO SHOW THIS WAS ME!!!! BC IT WASNT!!!!!!
Consumer complaint received 2018-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

on XX/XX/2018 i paid XXXX XXXX {$170.00} on XX/XX/XXXX I received a letter from usaa federal savings bank saying that they have submitted my dispute. 
i contacted them and told them i never disputed the charge they assured me that the dispute was cancelled on XXXX XX/XX/2018 the merchant called me and told me they received a letter stating i am currently disputing the charge. 
i contacted usaa and they said they would cancel it again
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

Equifax data XX/XX/year>, The credit reporting company Equifax shows several incorrect and irrelevant addresses, misused names, and phone numbers and multiple old outdated employments that are no longer relevant and/or are not my most recent information. I attempted to have them removed and was told that previous addresses are relevant to my report.
Consumer complaint received 2020-07-17
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.