davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (AR)

Contacted lender on XX/XX/XXXX to verify the payoff amount which includes a residual amount value. The lender stated the residual value of the vehicle to be XXXX. I have the original copy of the lease agreement. It shows a residual amount to XXXX. At that time, the representative said that it would take 10 days to investigate the discrepancy. I then waiting the prescribed time period and called again. The representative said that the residual that was shown on my agreement was correct. He then proceeded to tell me that value of the residual in their system would be corrected to match the contract and that it would be complete by the end of business on XX/XX/XXXX. I called again today, XX/XX/XXXX and the automated system still reflected the incorrect residual amount. I spoke with a live representative again. This time they stated that the residual amount shown on my contract did not include " taxes and fees '', and that the amount in their system was correct as is. We called one more time, on XX/XX/XXXX. This time, they said that they have a contract that shows the residual amount of their system. I do not recall signing two contracts. This is, in my opinion fraud.
Consumer complaint received 2018-07-11
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. (WA)

TransUnion is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Demand Notice Promotional Bonus Offer Checking Account XXXX To Whom It May Concern : 1. On XX/XX/XXXX, I applied for and was subsequently approved for checking account XXXX in response to an unnamed {$300.00} promotional offer ( the Offer, Exhibit A ) which states Congratulations! You're eligible for this offer. 

2. On XX/XX/XXXX, I met all promotional requirements of the Offer. The bonus did not post. 

3. I contacted customer service on XX/XX/XXXX ( Exhibit B ) and the executive office on XX/XX/XXXX ( Exhibit C ) to request payment. 

4. Both requests were denied ( Exhibits D and E ).

5. The failure to credit the bonus constitutes breach of contract, unfair and deceptive business practices, unjust enrichment, and fraud. Moreover, it is emblematic of the serious ethical problems at Wells Fargo Bank. 

6. I am willing to settle for treble damages in the amount of {$900.00}.

7. Else this matter will proceed to trial. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I have recently received an email and a letter claiming to be from American Express. Both the email and the letter are totally and completely untrue. I would like to report being lied to by American Express. I have attached both documents for your review. Both pieces of correspondence relate to a Bluebird account AmEx turned off on XX/XX/20. As I type today, XX/XX/20, the card STILL DOES NOT WORK, the app on my phone STILL DOES NOT WORK, and the AmEx website STILL DOES NOT WORK. I do receive an email every Sunday telling me how much money there is out there with my name on it that I am not allowed to use. These emails strike me as being a little perverse and cruel. Thanks! Stay Safe!
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo would charge me outrageous overdraft fees when I called and ask to waive them they would say the couldnt also my account was had a couple of unauthorized charges and they gave me a provisional credit but as soon as it was applied they would reverse it and my account would be overdrawn
Consumer complaint received 2020-06-27
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)

XXXX, Equifax, and XXXX are repeatedly showing incorrect information regarding an open XXXX XXXX  account, a closed XXXX Credit, a closed XXXX XXXX XXXX account, closed XXXX XXXX, closed XXXX Credit Card, and a closed XXXX XXXX XXXX account. I have not been late on these accounts and have disputed it numerous times. I demand that the credit bureaus furnish proof that I have been late on these accounts within the 30 days that they've received my disputes ( on XX/XX/2020 through certified USPS ). Otherwise, it needs to be taken off immediately. 

In addition, there are two charge offs ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) that have never been validated on my credit report and are just being brought to my attention through looking at my credit report. These are debts that do not belong to me. I dispute the validity of these charge offs and demand an immediate investigation on if these accounts even belong to me. 

In addition, there are numerous addresses and phone numbers that do not belong to me reporting on my credit that need to be removed. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC (TN)

Collection showed up in my credit report. I have no knowledge of this account. I send the collection agency certified letters requesting validation of the debt on XX/XX/21, XX/XX/21. The collection agency has not answered any of my requests. I requested validation from XXXX. XXXX stated that the debt was validated by the collection agency. I have not received any validation from the collection agency or XXXX. The collection agency violated the 30 day rule to provide proof of ownership.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are inaccurate items on my report being bankruptcies that states a XXXX XXXX as Plantiff these are inaccurate I havent not filed Bankruptcy in Texas these are fraudulent and need to be removed I will be opening a fraud case with the U.S. government.
Consumer complaint received 2020-06-27
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. (TX)

Transunion, XXXX, and XXXX are repeatedly showing incorrect information regarding an open XXXX XXXX account, a closed XXXX XXXX, a closed XXXX XXXX XXXX account, closed XXXX XXXX, closed XXXX Credit Card, and a closed XXXX   XXXX XXXX account. I have not been late on these accounts and have disputed it numerous times. I demand that the credit bureaus furnish proof that I have been late on these accounts within the 30 days that they've received my disputes ( on XX/XX/2020 through certified USPS ). Otherwise, it needs to be taken off immediately. 

In addition, there are two charge offs ( XXXX XXXX XXXX and XXXX XXXX  DBA XXXX  ) that have never been validated on my credit report and are just being brought to my attention through looking at my credit report. These are debts that do not belong to me. I dispute the validity of these charge offs and demand an immediate investigation on if these accounts even belong to me. 

In addition, there are numerous addresses and phone numbers that do not belong to me reporting on my credit that need to be removed. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/21 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.
Consumer complaint received 2020-09-14
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: Carter-Young, Inc. (GA)

For months Since XXXX so now 4 months I have been disputing these errors on my credit report however the companies reposes are nothing short of XXXX. I am requesting according to the laws on credit reporting that they prove validate and verify these findings yet they do not PROVE IT yet they say and claim they have been verified. At this point it is well passed them not proving these items are mine its a matter of them breaking the law and I ask if you can please help me. 

You will see in the letter where I call them out for breaking the law. 

This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$3600.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Consumer complaint received 2018-07-11
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. (NJ)

I dispute items on my credit report with Transunion. 
1. Collection accounts - which i never got letter for example- XXXXXXXX - {$840.00} Never been to XXXXt, always had medical insurance 2. Late payments- XXXX ( Never prove the late payments, the loan was in deferment ) list five late payments -- I dispute the company 3. Bankruptcy according to the credit bureau- court told them, the law does not allow them to give that information out 4. inquiry
Consumer complaint received 2021-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XXXX of 2021 I opened a Merrill Lynch XXXX stock trading brokerage account. I gave them all my personal information and setup a login. I got the checks and all the information sent to me for these accounts. I then downloaded the phone app and began setting that up. For a short period of time I had a login and access to this service. However, there were then technical errors accessing the account. I called the local XXXX office to inquire about this and setup an appointment. I got an appointment time set and was thinking of also adding the bank of america account that is partnered with perks at the same branch location. I put considerable time and energy into the account setup. I am unable to access the account. After several hours and many representatives on the phone, I am still unable to access the service. I have since been told the accounts were all closed by Merrill Lynch. This was against my will. I did nothing to deserve this. Please confirm if this is accurate? What is my account status? Is it true you are not willing to serve me or open an account? If so, why? This is considered breach of contract and negligence as well as discrimination. I am XXXX  and also a minority now. Please explain why I am being denied services?
Consumer complaint received 2020-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NC)

I have called to see how can I target my payments to specific loans so that I can pay them off using the snow-ball effect. I spoke with one of the representatives and she explained in detail how to exactly depict the information on the money orders so that the payments could be targeted to certain loan sequence numbers. I did exactly that and STILL, whomever processes the payments, doesn't look at the annotation on the memo portion of the money order and applies the funds towards ALL of the loans. I have called numerous times to get them to change how they allocated the funds and STILL it has not occurred after being told that it takes 7 business days to get this changed. Here we are a month later, and STILL the payment hasn't been changed to target the one I wanted. This last time, I sent the payment with a written piece of paper of how I wanted the funds allocated on top of writing it in the memo portion as instructed. I checked a few minutes ago, and STILL they allocated the funds the way they wanted to against what I wanted. How am I going to see my loans paid off when they do what they want to instead of doing what I am instructing them to do? At this rate, I will NEVER get my loans paid off. PLEASE HELP.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Seattle Service Bureau, Inc (MI)

This complaint is about the national service bureau contacting me and family members, friends multiple times harassing and being rude on the behave of my name. This debt collector is telling me I'm going to jail and also giving out my SSN number to friends who don't have that information.
Consumer complaint received 2021-09-14
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: Eagle Financial Services, Inc. (KY)

Have used eagle finance before but been years ago. Just recently became aware, my credit has two hard inquiries on it from them. One from a year ago and one from now. I have not authorized either of these.
Consumer complaint received 2021-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

EQUIFAX , INC. attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. Since early 2018, Ive been disputing the bureaus against their accusations of alleged debts. As I tackled my report, several items were " removed '' which is a violation of federal law thus proving their guilt. Those same items which were deleted, verified or removed were thus placed back unto the report without consent. I now demand to be compensated for the continuous crimes committed against me as Federally Protected Consumer, the Original Creditor, Natural person.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (AL)

This is not a duplicate complaint. This is a new complaint about the same card company. Way2Go prepaid card for AL unemployment.

I filed a very detailed complaint against Way2Go on XX/XX/20. The complaint # is XXXX. Way2Go replied the next day and the complaint was closed. Absolutely nothing was  resolved! On Thursday, XX/XX/20 XXXX the advocate from Way2Go said he tried calling me twice and sent an email and he would try to call me 2 more times. This is not true! XXXX called me Thursday at XXXX and left a voicemail. I returned his call within the hour. That is the one and only time he called me. He also emailed me at XXXX. I tried to reply to his email at XXXX. I received an automatic reply with an error message. He did not leave a direct email address. 
My new complaint is that Way2Gos reply to CFPB is not true. I do not think the complaint should have been closed. They only tried calling 1 time and sent 1 email that cant receive a reply. 
XXXX left his his call back # XXXX. It rings 1 time and goes straight to voicemail. I called a left several messages on Friday  XX/XX/20, another message on Saturday and I have already left a new voicemail today Monday XX/XX/20. 
Any help is appreciated!! My AL unemployment benefits were deposited to Way2Go card company on XX/XX/20 I was told on XX/XX/20 that a card was being expedited 3 day XXXX. After calling for days, staying on hold for hours, being hung up on and speaking to several different customer service reps who all told a different story on why they could not provide me with a XXXX tracking # ... I was finally told that they did not send the card XXXX it went out in the reg mail. My utilities are being disconnected, my car is being repossessed and I have the funds to pay but can not because I do not have the Way2Go card! 
It is very frustrating to be so desperate to have to file a complaint against the card company w/ CFPB and Way2Go reply the very next day like they are trying to contact me and help. That is an insult when the truth is they tried 1 time and closed the complaint.
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (KY)

I have applied and began the process of Public Service Loan Forgiveness ( PSLF ). XXXX XXXX   is my payment servicing provider. I have made 18 payments according to my Income Driven Repayment ( IDR ) plan. However, XXXX 's records show that I only have 1 payment towards my 120 payments that are required for loan forgiveness. XXXX says that I was in some form of either forbearance or deferment and failed to count payments that I had been making since XX/XX/2016. Their reason for placing me in deferment was due to " we changed a deferment or forbearance that was previously applied to your loans because we received updated enrollment information. '' They placed me into deferment because I enrolled into University of XXXX XXXX XXXX night program. They did not gain my explicit permission to place me into deferment/forbearance. Their actions cost me numerous months off of my journey to loan forgiveness.
Consumer complaint received 2021-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I would like the CFPB mediation in this matter. Some of the loans were dismissed if you were in a certain XXXX situation. I fit the description but Navient noted the loan would be dismissed, but it was placed on someone else account and not dismissed. Thanking you in advance for your consideration.