davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (KS)

I went into a Wells Fargo branch in XXXX, KS yesterday XX/XX/2018. It was the location at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. 

I showed my drivers license and the personal banker called you guys and was put on hold. Now that I am verified, please unlock the account and allow me to have access to the account in its entirety. Thank you
Consumer complaint received 2021-03-04
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: BBVA FINANCIAL CORPORATION (TX)

This is a formal complaint against BBVA USA located in XXXX, AL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, BBVA has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2023-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (VA)

So last year XX/XX/XXXX I refinanced my home to get money out to fix on some things needed and my mortgage bank Rocket Mortgage and XXXX were both handling my payoff and 2 lien which was XXXX from XXXX. XXXX I was asked about the XXXX and I was told from Rocket Mortgage that the XXXX will be included paid off and still I will get XXXX in pocket, so I agreed because I wanted to get rid of the XXXX and have money in my pocket. So this year XX/XX/XXXX I decided to sell my house and buy another house. My realtor informed me that someone wanted to buy my house so I agreed of course and we did the necessary paperwork and Rocket Mortgage was also contacted as I was super excited to move on. Well the title company XXXX XXXX XXXX XXXX contacted me and informed me that Rocket Mortgage and XXXX never did what they said they did with the XXXX. Wow this was a nightmare that I never wouldve imagined so the title company contacted Rocket Mortgage and AmRock to find out that XXXX was just a notary company that serviced me when I refinanced my house and Rocket Mortgage wrote down some incorrect information on paper that wasnt true so when I confronted Rocket Mortgage my bank guy XXXX immediately said he dont know what happened because he dont deal with that department as I trusted him as my to go to person who was the one who put my refinance in motion and now he says she dropped the ball and so sorry because he thought the XXXX was paid in full as he and I discussed. So I closed on my former home XXXX XXXX and all I got was calls from Rocket Mortgage saying hey you need to pay that XXXX and payoff this mortgage as they had no accountability whatsoever. I spoke with XXXX and another Rocket Mortgage person name XXXX and they wasnt concerned about their XXXX up and I just told them listen Im homeless now because the XXXX balance that was owed to XXXX is now deducted from my proceeds and extra XXXX totaling XXXX that I was supposed to have to put down on my new home but because of Rocket Mortgage and AmRock Im sleeping in my truck with my dog and on my parents couch. I need for Rocket Mortgage to accommodate me big time as I dont have a roof over my head.
Consumer complaint received 2022-05-02
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: ENCORE CAPITAL GROUP INC. (CA)

I had a loans transfer to another company XXXX XXXX XXXX. They kept old info on my report. I called them in XX/XX/2022 to rectify. Nothing was done. I did not have late payments to this loan. Only because of covid 19 and transfer of this account did these payments stop. account # XXXX amounts {$1800.00} and {$1000.00} In accordance with the fair credit Reporting act convergent account # XXXX, has violated my rights. 15 USC 1681 Section 2 : 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 an account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-28
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. (WV)

I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I've had a few problems with medical collections accounts ( XXXX XXXX ) being the main culprit, where I'd try to dispute the information and they would just remove it. Wait a few months and then reinsert it into my report. This is constantly dropping my score, as they insert it as a new account rather than what the original dates were. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$710.00} Original Creditor : XXXX XXXX XXXX That is just the main collection that keep popping up. That is the hospital in Florida. I hadn't been seen there since XXXX, I moved out of Florida in XX/XX/XXXX. This is one of the few accounts that keeps popping up every few months, while I'm trying to rebuild by score and every 3- months it gets dropped 50-80 points because of this. I've tried asking for proof of the debt, and haven't received anything. I get no letters that a debt has even been placed for collections/reinserted into my report. 

Is there anything that can be done? I know collections agencies sometimes sell the debts, but I've noticed it's always been the same collection agency name, reporting it, just changing the " open date '' on the account. This has been a struggle for the past 3 years, and I've tried disputing it every chance I get.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (IL)

XXXX XXXX XXXX placed me 2 accounts in collections. Lvnv funding has been contacting me. I paid the smaller amount off. The larger amount i was told there is no record of account to pay. But LVNV is actively monthly reporting the debt is valid. Impossible to resolve this collection. 

LVNV Funding {$1200.00} Last reported XX/XX/2021 Thanks for your time, XXXX XXXX XXXX
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (PA)

We received a debit card in the name of someone not in our household, but using our address. We have also received a change of address from the USPS regarding this unknown individual. I want this card closed and this person 's name removed from our address immediately.
Consumer complaint received 2022-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Skagit Bonded Collectors, LLC (WA)

Found on credit report 3 medical debts that have been reported as unpaid since discharged in XXXX  XXXX bankruptcy in XXXX. On XX/XX/XXXX I contacted collection agency that purchased the debt from original company. I informed them the debts were included in my bankruptcy. They informed me the debts were post bankruptcy. I know this to be inaccurate since I did not visit the medical clinic since filing for bankruptcy. I went to the original clinic and retrieve the last date of my medical visit and the date was in XXXX of XXXX, months before filing for bankruptcy. I called again debt collector and asked for a copy of the debt but never received anything from them.
Consumer complaint received 2018-10-31
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: DISCOVER BANK (NY)

This is a disbute on Discover Card. 

On XX/XX/2017 I used my discover card to purchase a Coaching program for an online company I was involved in. The purchase was split between Discover card and another CC. The total was for {$25000.00}. I put down on this Discover card {$10000.00} and {$550.00} on XX/XX/2017. When I signed up for this program I was informed that I should be in contact with someone within 2 weeks to start my coaching. I sent numerous support tickets and 3 phone calls and a few e-mails before I was finally contacted in XXXX and was suppose to start as soon as I got a coach. I only got in touch with my coach finally in XXXX. We had ONE XXXX call to finally connect and the call was DISCONNECTED and the coach never called me back. I tried several times to contact him, and others that that were involved in this process. I have attached all the information I sent to Discover when I filed my dispute with them. I sent several e-mails to people in the company to find out what was going on and if I could not get this service I would like to cancel and get my money back. I never received and return call or e-mail from anyone all the way till XX/XX/2017. Well on XX/XX/2017 this company was shut down by the FTC. So now there is no way for me to ever get these services since the company was shut down for FRAUD. I contacted Discover when this first happened and they gave me Temporary Credit while they reviewed my disbute, but they also took back the credit stating it was a VALID CHARGE. How could this possibly be valid when I did not receive my services as you can see very clearly in my information.
Consumer complaint received 2024-02-28
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. ()

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IA)

XXXX XXXX sent new Credit Cards that are Master Cards. We did not ask for these cards. We inquired about the new cards on XX/XX/XXXX at XXXX XXXX located in XXXX XXXX XXXX Iowa the Representative at the Customer Service Counter told us we had to accept the new card and our old card would not work anymore. 
On XXXX XXXX I called the Customer service number on the back of my current XXXX XXXX Credit Card serviced by XXXX bank. The representative I spoke with stated that the new MasterCard was an offer from XXXX XXXX and it could be utilized outside of the XXXX XXXX and Walmart. The representative asked me if I wanted to activate the new Master card. My next questions were do I have to activate the card? Is my old card going away? The response from the representative was no. 
In this instance we were mailed new Credit Cards completely unsolicited, and falsely told by Employees of XXXX XXXX that we must activate the card. 
On the document attached to the Cards it was never declared or explained any of this. No where does it state what is going on with the current Credit Card, and that this new Card is an offer and not mandatory.
Consumer complaint received 2020-06-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I have been attempting to deal with Firstmark who services my student loan on behalf of XXXX XXXX XXXX XXXX There was an overpayment to my prior servicer and a refund was issued on XXXX to XXXX in the amount of that overpayment. Now two months later and multiple communications later no one at XXXX or Firstmark can account for the that overpayment check. Firstmark refuses to communicate with XXXX  for whom they perform the servicing. Today, XXXX XXXX from Firstmark sent me an email asking me to contact XXXX about the outstanding check. How can an originator and servicer require the borrower to play intermediary between them? The prior servicer also told me that XXXX often takes longer than most servicers to process these payment. This sounds like a systemic issue and the lender and servicer dont have a clear line of communication or a simple process to account for overpayments on refis of which Im sure the majority have. I would recommend the CFPB do a review of this procedure to determine the average time it takes them to process these payments.
Consumer complaint received 2022-09-15
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-09-08
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: Self Financial Inc. (CA)

I opened a Self.inc credit account on or about XX/XX/2020, self.inc helps you to establish a loan for yourself, and build up your credit score. So the terms were that every month I would make two payments one of {$15.00}, and the other one of {$35.00}. I invested a total of {$720.00} with self.inc towards my future investment, and every month that they deducted {$35.00} from my XXXX XXXX checkings account ending in XXXX, they would mail me a check from my account to them, so they would have me mail it to them, after some time they no longer wanted the checks to be mailed they wanted you to pay them with it online somehow. Before you know it they close my account and I was not even late with my payment. I tried to reason with them by email to XXXX they were not in compliance under any circumstances. Completely self centered and rude.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. During a further investigation of these accounts, they are the same accounts, brought and sold, reopened and reporting twice. Theyve be on my account for several years, having taken out some loans while attending XXXX XXXX University I new Id have some student loan debt after I lost my athletic scholarship, but none to this magnitude. They are set to be remove in the fall of XXXX, so Ive been suffering from this long enough, Ive at the point in my life where my credit is important, I have a family and secure employment, Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from XXXX until now. A previous dispute for the consolidated account and total for this listed below has already been removed, switch should be more than enough proof of the fraudulency and inaccuracies. Several hard inquires were made under my name which could have stemmed from a relative of mine, who has had my information since I was living with him while in high school and he claimed me as a dependent on his taxes, hes denies any wrong doing, my information was also breach in the XXXX leak as well, and Ive lost a wallet with several of my personal information such as ID, BANK CARD, and my original SSN was in there.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2020-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (CA)

In mid XX/XX/XXXX I paid a debt owed from XXXX XXXX Hospital through XXXX XXXX XXXX. In XX/XX/XXXX I received a collection notice on my credit report from XXXX XXXX XXXX for this debt which I have already paid. I never received a notice by phone or in writing from XXXX XXXX XXXX concerning this debt. On XX/XX/XXXX I saw that the FTC ruled in a judgement against XXXX XXXX XXXX that they are to remove all parked debt from credit reports. This has not happened. In addition, the debt has been moved to Consumer Adjustment Company, Inc. This was done to circumvent the FTC 's ruling.
Consumer complaint received 2018-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (DC)

Between XX/XX/XXXX and XX/XX/XXXX I received multiple notifications about deletions, additions or changes in my credit report. I have disputed the validity of the alleged debt and account with this collection agency and still feel as though my consumer rights are violated. In Case # : XXXX the company responded dated XX/XX/XXXX they would cease and desist further actions. As stated above I received notification that changes to my XXXX and XXXX credit reports had been made. The changes were that the account was closed and removed from the XXXX report. As for the XXXX report heres where the problem is. The account was removed from the report, however it was reinserted without 5 day written notice as required the FCRA.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. My name is : XXXX XXXX Please delete any other variation. my current and only address is :XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-06-03
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 recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.