davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: DocuPrep Xpress (CO)

I'm pretty sure I was being scammed. A third party ( XXXX XXXX ) contacted me about my federal student loans, not my servicer ( XXXX ) but they said they would reduce my payments and help me qualify for forgiveness if I made sure not to miss any payments, and paid an initial balance of $ XXXX/month for the first five months. I thought they were related to XXXX because they knew how much I owed and what types of loans I had. I ended up giving them two of my paystubs, my debit card info, and my SSN. They had me sign a POA form. I became suspicious because I'm still in my grace period as a recent graduate, and I was complaining about it to my coworkers who said I was probably getting scammed. On XX/XX/XXXX, XXXX XXXX pulled {$190.00} from my checking and told me this would not go towards my principal but towards the people servicing my loan. Today, XX/XX/XXXX, I contacted XXXX and requested additional security to prevent other people from accessing or altering my account. They confirmed that no payments or changes had been made to my account. I contacted my bank to cancel my debit card. I also contacted docusign express directly to cancel my account and request a refund.
Consumer complaint received 2021-04-03
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. (NC)

Throughout the month of XXXX i've called Experian over a dozen times to file a dispute i recently looked at a copy of my credit report and noticed several incorrect accounts which are XXXX and XXXX reporting with no credit limit, no high balance and reporting of 120 days late back to back month, i spoke with XXXX to express my concern and she was very rude, dismissive and unprofessional and said she cant dispute those times, so i requested a supervisor, i spoke with a male supervisor XXXX and he said he will not remove or dispute any inaccurate information and began to argue with me for approx 15 mins, he used intimidation tactics.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (NY)

According to the Federal Debt Collection Practices, the information that this company is false, I have never dealt business with this company never heard of this company that is reporting that a account they are reporting on my credit report saying Open Balance in XX/XX/2022, how is it even possible to be reporting something open a collection, Second I need a Validation Of Debt, Also I need something with my signature also, and last and important this company thats trying to collect anything Ive never heard of this company I have never dealt any business with this company so how did this company get any information on me and that is a violation of the Consumer Protection Act
Consumer complaint received 2020-05-31
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. (MI)

XXXX XXXX, My identity was used to purchase a XXXX XXXX XXXX cell phone at a XXXX in XXXX michigan.I called XXXX XXXX XXXX fraud department and they confirmed it was fraud and immediately closed the account.This unauthorized account is on my credit reports and I like it removed immediately
Consumer complaint received 2019-11-12
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. (GA)

I have been in the process of correcting the wrong and the effects of identity theft on myself for over a year and a half. Because of this, I have been very diligent in reviewing my credit file on a weekly basis. I received an alert from a credit monitoring service that I had new negative information reporting. Sure enough, there was a collection account reporting as XXXX XXXX in the amount of {$1400.00} for XXXX XXXX. I have never had XXXX XXXX and this account is not mine. There is another collection with XXXX XXXX in the amount of {$66.00} for account that I never had. There is also a closed account for a company called XXXX   that I never had. I have contacted the local police department and have amended my current police report to add these additional accounts.After further review of my credit file, I also found several inquiries that I did not authorize that were fraudulent as well. I have also submitted a complaint to the FTC and have a report from them as well. The fraudulent inquiries are XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX   and XXXX.
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 status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they didn't remove it. They acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On Friday, XX/XX/2019, I went to Chase Bank at XXXX XXXX XXXX XXXX, XXXX Fl, XXXX Between XXXX XXXX. I went to ATM terminal number XXXX, which is located directly to the right once you enter the building. I used my debit card through XXXX XXXX to withdraw {$1500.00}. When it asked me how I wanted my receipt, I choose an email. After that screen, The atm restarted as if the transaction did not go through. I advised the teller that the atm did not provide me with the money, and she advised me to try another one. I went to the other ATM, and it said I reached my limit for the day. She then advised me to contact Chase 's claims department, which was approximately XXXX XXXX. 
I spoke with the claims department to open an inquiry ( Claim XXXX ). They advised they would research the matter and then credit my account for the inconvenience. It took two days ( XX/XX/2019-XX/XX/2019 ). I called six times and spoke with six different customer service reps and supervisors. Finally, on XX/XX/2019 at XXXX XXXX, I spoke with my 6th supervisor. He had to cancel my old claim because he stated they did not include that the transaction was not done with a physical card. It was done with XXXX XXXX debit card. He noted that the coding was different. He created a new claim ( XXXX ). He stated that he would be able to issue me a temporary credit, and they will research the issue. On XX/XX/XXXX, I received an update that chase completed the research, and they determined the transaction was processed correctly. I spoke to a supervisor, and they stated that they received information from the bank stating the transaction was complete. However, It was not complete. I did not receive the funds that day at the ATM. They also stated that they would be removing {$1500.00} from my account on XX/XX/2019. I called Chase at the location above and spoke to the Manager on Duty. He stated that he would escalate the issue. I also called back the claim department, and they said they would escalate the issue and allow 3-5 Business days.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

I was solicited by XXXX XXXX by telephone and was charged for products that I did not receive. I was also given an inferior product that caused facial paralysis. I contacted Wells Fargo bank regarding this matter. Originally they provided a provisional credit to my account for {$290.00}. They provided an incorrect email address to send my documentation to regarding this matter. When this was discovered, I only had XXXX days to provide the information to the correct email address. Wells Fargo closed my claim without proper evaluation and my provisional credit was revoked. I have made several attempts to contact Wells Fargo to correct this error. The agents I have spoken to have provided different information to me and it seems to be a never ending process. I cant get an answer or an acceptable resolution. That is why I am contacting this consumer protection agency. I have provided the proper documentation to Wells Fargo but they seem uninterested in assisting me to resolve the issue.
Consumer complaint received 2023-01-11
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was on payment plan wit capital one credit card. Everything was fine until cov19 hit. I spent hours trying get hold of them. I could never get through to them. I finally got hold them but, I pay with automated system. Because I couldnt get through because of phone line. So I never got chance to do anything. All I want is them to is put me back the automated phone system. To pay the bill, lower my payment.
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: AES/PHEAA (IN)

The student loan supplier is submitting different and inconsistent information to all credit bureaus. I have disputed these items to the credit bureaus and the student loan supplier verifies the information as correct. It is obvious that the all the different information being reported to each bureau can not be correct. They should be reporting the same information to all the credit bureaus. l have brought this matter to their attention and yet I have not been able to get this problem resolved.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

XX/XX/2019 Charge for {$250.00} SQC*CASH APP - USAA - CASE XXXX XX/XX/2019 Charge for {$110.00} SQC*CASH APP - USAA - CASE XXXX These charges were never authorized by me and I never received any money. I contacted XXXX XXXX but they have no phone system and attempted to message them with their in app support system. It usually takes many days for a response. I never heard back from CASH APP so I called USAA and started a dispute. It was very easy and got temporary credits in my account. I believe I had the credits around XX/XX/XXXX. Then on XX/XX/2019 USAA sent me 2 plain emails with pdf attachments. It does not say in the email that any information is required or my immediate response is requested. But hidden away in the pdf files is a request for more information. Because I don't check every email I receive from USAA because usually they are junk mail, I never opened the pdf, and then USAA DENIED my dispute. They never called me or sent another email. They never sent me a letter or anything they just denied it and took my money. After a few phone calls speaking to a supervisor I was able to resubmit the information. On XX/XX/2019 my one dispute is finally reopened XX/XX/2019 Charge for {$110.00} SQC*CASH APP - USAA - CASE XXXX. XX/XX/2019 Charge for {$250.00} SQC*CASH APP - USAA - CASE XXXX DISPUTE # 2 for {$250.00} has not been reopened since I uploaded information about the case.____ ______________________________________________________________ ORIGINAL COMPLIANT I have called USAA at least 5 times since I have filed the last complaint and I have no 0 progress getting in contact with anyone. I do not even know if they are looking at the 2nd complaint. How can I call this many times and still not know if my complaint is being looked at?
Consumer complaint received 2019-11-12
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RentDebt Automated Collections, LLC (TN)

THE AMOUNT THAT THEY SAY THAT I OWE IS WRONG IT WAS NOT THAT MUCH EVEN WITH THE LATE FEES ADDED TO IT
Consumer complaint received 2019-03-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Today XX/XX/2019 I tried to submit a dispute on my XXXX credit report. After submitting all the information they ( XXXX ) would not allow me to submit my dispute. It stated that I already disputed these items and to call that toll free number again. I've tried several times to reach a live person to dispute these accounts that are wrong and can't even speak to a human. XXXX XXXX  XXXX XXXX XXXX is paid in full ... .XXXX XXXX   XXXX has fraudulant charges ... .XXXX XXXX was verified as never paid late ... .and XXXX   XXXX was verified as never paid late .... ( XXXX did a proper investigation and that was the outcome and correct results ) XXXX has fixed my credit report but XXXX   won't even let me on the system. This is not right as having this wrong information reporting is hurting my credit and causing me a hardship. I am fustrated at the fact that they won't even let me re-dispute this information nor let me online to do it.
Consumer complaint received 2019-03-03
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. (MO)

I been dealing with this same issue for months now, and the information I'm requesting is still not being delivered to me as of my rights as a consumer as transcribe within the FCRA laws. Improper information on my report is hindering me from acquiring credit. My identity has been compromised but yet I still feel victimized by the 3 major credit bureaus inwhom investigation does not include blocking these accounts from reporting on my credit report. The accounts I'm disputing are. ( 1 ) XXXX XXXX XXXX {$390.00}, and ( 2 ) XXXX XXXX XXXX {$130.00}. I need every single detail of the Method Of Verification used in your investigation into this matter. Names, titles, times, and physical documentation. This is my consumer rights as stated with the FCRA and backed up by the FTC. And if this is not met then the accounts shall be block immediately.
Consumer complaint received 2020-04-26
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. (FL)

XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX MULTIPLE CONTACTS WITH LENDER AND CONTINUE TO RECEIVE RUN AROUND AND BEING TOLD TO CONTACT CREDIT BUREAU FOR REMOVAL OF LATE PAYMENTS
Consumer complaint received 2017-02-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC (DC)

Plaintiff XXXX XXXX, has been subject to unlawful telephone practices by your company in the form of ( unwarranted or unauthorized ) cellular telephone calls by use of an auto dialer or ( XXXX ) in relation to debt collection practices. 

Defendant National Principal Group , LLC ( NP GROUP ) debt collection company called my personal cellular telephone numerous times without my prior express written consent trying to attempt to collect and alleged debt as consumer XXXX XXXX does not have a contract or account with the Defendant ( NP GROUP ) has demonstrated willful or knowing noncompliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) by continuing to call Plaintiff XXXX XXXX private cellular phone numerous times before sending a prior express / written consent form which Plaintiff XXXX XXXX never authorized prior express / written consent to any of these unwarranted automatic telephone dialing systems, or ( ATDS ) cellular telephone calls with a total disregard of law and in violation of XXXX XXXX XXXX XXXX. 

Defendant ( s ) has demonstrated willful or knowing non-compliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) by calling Plaintiff XXXX XXXX wireless telephone number XXXX that has been placed on the National Do Not Call Registry ( DNC ) since XXXX XXXX, 2012, Plaintiff 's number, which is assigned to a cellular telephone service. A person whose number is on the Registry and has received more than one telephone solicitation within any twelve-month period by or on behalf of the same entity in violation of the TCPA can sue the violator and seek the same statutory damages available under XXXX XXXX XXXX ) - the greater of actual damages or {$500.00}, a figure that may be trebled {$1500.00} for willful or knowing violations. XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ). 

Plaintiff ( NP GROUP ) harassed Plaintiff XXXX XXXX by making numerous cellular telephone debt collection calls without reading the XXXX Miranda / Mini Miranda as required by law for debt collectors. ( NP Group ) engaged in false and misleading representations in their communication in connection with debt collection to a third party.
Consumer complaint received 2021-04-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

I am reaching out seeking assistance in dealing with our mortgage provider. We are XXXX XXXX XXXX XXXX XXXX providing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We were severely impact by the pandemic shutdown last year and were unable to make our mortgage payment. The provider agreed to a forbearance plan. Now they sent us a repayment plan with a monthly payment that is more than double of what it used to be prior to the pandemic. I reached out to them and they said there is no other option. There is no way we can pay the amount of the plan since it is more than our monthly income and more than double of what it used to be before our business was impacted by the pandemic. We need help to get them to agree to a reasonable payment amount so we can keep our home. Please advise on how you may be able to help us or what else we can do? Thank you.
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC (AZ)

I was instructed to send a bank wire to Gemini, and I followed the instructions completely. My credit union sent the wire in a manner that Gemini can not receive. Gemini failed to let me know that ahead of time. Instead of working out a solution, Gemini refused the wire, which cost me {$30.00}. Gemini then failed again to communicate that the credit union was incompatible with their system, and instructed me to send the wire again, which cost me another {$30.00}. Gemini 's receiving banking system changed a label of the wire from " originator to benificiary '' to " note ''. They also sent me incomplete instructions for sending the wire. I have documents proving all of this.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (KS)

My ex open an account with Barclay 's credit card without my consent. I found out two years later with my app XXXX XXXX because of missed payments. I address it with Barclay 's and they decided to scam me and say that was my account. There's no audio or anything that said I allowed her to access my credit card. I then took it to an attorney to handle the matter. Yet they still insist on scamimg me. This is just a brief summary.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

My loan was purchased by Loancare , LLC from XXXX in XXXX. XXXX sent me a letter with the new loan number attached. I made my payment via online banking to the provided new account number on the payment due date XX/XX/2021. Unfortunately the account number provided by XXXX was incorrect. On the XXXX, I inquired as to why my payment had not yet posted. I filed research request adding the correspondence I had received and providing the loan payment amount as well as the date and how it was sent. I have spent countless hours and several attempts to resolve this non posting of my payment by presenting copies of my bill payment and processing and as of yet still have no resolution. The company provides no direct person to speak with and I feel I am going in circles. By tomorrow I will need to make a duplicate payment to ensure I have no long term credit damage from this event. This will put a financial burden on my family as a double house payment is not an easy thing to deal with.