davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Performant Financial Corporation (MA)

Hello I was told I had to file 4 or 5 different complaints by your customer service people. this Complaint will be about Performant Recovery. 

Back in XX/XX/XXXX, Performant Recovery came after me. They committed several law violations. 
1. They only gave me a 15 day notice instead of the legally required 30 day notice. 
2. They never reported any of my social security garnishments to any credit agency which violates the Fair Credit Reporting Act. 
3. I do believe from time to time they robo called my house which might have violated the Fair Debt Collection Practices Act, but it definitely violated the Telephone Protection Act of XXXX. 
4. With all of the money I have paid Federal Student Loans I do not know if the fee I was charged by Performant Recovery would be legal. I did write the US Dept of Education previous collection agency some checks. 

I have made over 500 complaints to the Federal Bureau of Investigation regarding robo calls. I made those complaints through XXXX so you people can probably easily look those up.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

One or more than one employee at Wells Fargo branch located at XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, Florida stole {$1200.00}. From my checking account. On XXXX XXXXXXXX XXXX a deposit error occurred at the ATM machine. I immediately reported the error by calling the phone number on my debit card and was assured by the Wells Fargo representative that my money was safe in the machine. That phone call was recorded, however, Wells Fargo refuse to reference the phone call. 

On XXXX XXXXXXXX XXXX the ATM machine was reconciled. This is where the theft of {$1200.00}. took place. 

On XXXX XXXX, XXXX Wells Fargo credited my {$1200.00}. To my account. I believed the error was rectified and the matter was closed. 

On XXXX XXXXXXXX XXXX  Wells Fargo stole my money for a second time. We were shocked to find our accounts demolished when we tried to buy groceries. My wife who is XXXX took sick in the super market and had to be assisted. I am a XXXX XXXX XXXX XXXX veteran who is being victimized by Wells Fargo. 

Wells Fargo refuse to answer any questions or respond to my complaint. Criminals are working and being protected by branch management
Consumer complaint received 2015-09-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding LLC has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have disputed the Federal Tax lien on my credit report with all  XXXX  reporting agencies and both   XXXX    and  XXXX   XXXX  have removed this permanently from my record. I contacted Equifax last  XXXX     2016 a nd furnished proof  of the Release of Federal Tax Lien an d they did not remove it from my file.
Consumer complaint received 2016-02-15
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (GA)

My husband opened a XXXX XXXX XXXX account for our daughter with XXXX Bank. Last known statement was sent to our address in XXXX, GA in XXXX. We have since moved to a couple of different addresses and lost track of the account. Our daughter is now scheduled to graduate on XXXX, XXXX. We located the last known statement dated XXXX XXXX/XXXX/XXXX ) and called TD Bank to inquire about the funds. XXXX Bank was bought by TD Bank in XXXX. TD Bank states that they do n't have any record of our account because it must have been dormant prior to their acquisition of XXXX Bank in XXXX. TD Bank suggested that we call the State unclaimed property department in Delaware, Maryland and Georgia. I contacted the unclaimed property in the States mentioned and they do n't have any record of the account being sent to them. The State of Delaware informed me that they would need a letter from TD or XXXX Bank stating that account funds were sent with associated details before further research can be performed. TD Bank is stating that they ca n't help, because there is n't any current record of the account. This is a good bit of money and my daughter needs it desperately to get into college. Can someone from TD Bank please pull the account history from archive and explain what happened to the account.
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

On XX/XX/22 at XXXX, I sent an email to Great Lakes loan servicer stating I want to request a $ XXXX refund on my student loans that I finished paying off last year. How do I get that process started? Thank you. I then called them around noon on XX/XX/22 to talk to a representative about the same thing. The representative told me that she had submitted my request for the ~ $ XXXX refund and said I would hear back in 30-45 days. On XX/XX/22, I received an email back from Great Lakes stating XXXX XXXX, Thank you for your email. 

Our records indicate that your concerns may have already been addressed after speaking with a representative. 

If you have additional questions or concerns, please do not hesitate to contact us. 

Sincerely, XXXX XXXX XXXX Department Great Lakes Educational Services , Inc.

So I assumed that they saw that I had already called about the same issue by the time they were able to respond to my email. It has been over 40 days since my original call on XX/XX/22, so I decided to call again to check on it. I called Great Lakes loan servicer around XXXX today and the representative said that she saw where my request was submitted over the phone but then they received my email and they interpreted my email as I want to cancel my refund. As you can clearly see, it does not say cancel anywhere, only that I want to get the refund process started. I then asked if they could resubmit my request and put me on a high priority list. They said they do not have a high priority list but they did resubmit my request and it will be another 30-60 days before I hear back. I should not be punished for their mistake of misinterpreting my email. They did not do anything extra to make things right with me.
Consumer complaint received 2022-02-28
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. (LA)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : DEPTEDXXXX  XXXX Balance : {$22000.00} DEPTEDXXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CA)

I received a Well Fargo - XXXX XXXX XXXXXXXX XXXX XXXX in the mail yesterday. I never applied for this card and when i try to call the company and report this i get the XXXX XXXX store CC dept. I can't call the XXXXXXXX XXXX  dept until Monday morning. If i am trying to report a fraudulent card, i should have access to someone 24 hours a day
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

I received a letter from grant & weber on XX/XX/2018. The company sent me an itemized bill from XXXX XXXX XXXX saying that i owe XXXX and the interest is XXXX. This is a hippa violation and i plan to sue grant & weber if they do not delete this information off of my credit report. I also do not have a contract with grant & weber.
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (VA)

I have been receiving numerous phone calls at my place of employment from MCM from a XXXX XXXX after I have advised not to contact me at my place of employment. I have not been provided in any letters about any debt resolutions form this company and I would like written verification and phone calls to cease at my place of employment. He has been calling from XXXX ext. XXXX
Consumer complaint received 2018-03-19
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: EQUIFAX, INC. (TN)

I contacted the company and credit bureau regarding this account reporting incorrectly. They have ignored the fact that the information is inconsistent amongst the bureaus of XXXX and Equifax. XXXX removed it. I would like for this account to be remove because the INFORMATION IS INCORRECT AND THE ACCOUNT IS OVER 7 YEARS OLD. 

XXXX XXXX AUTO FIN - {$0.00} Closed Overview You've paid off 100 % of the original amount. 

Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$72.00} Opened XX/XX/XXXX ( 7 yrs, 1 mo ) Term months Payment History Last payment -- Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type -- Responsibility Individual Remarks Paid charge off Fixed rate Times XX/XX/XXXX days late XXXX
Consumer complaint received 2021-06-05
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: Experian Information Solutions Inc. (NJ)

Experian, XXXX XXXX XXXX allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion will no longer allow me to file online disputes or see my credit report online. They say investigations must be done manually. They are punishing me because they have made so many mistakes. They continue to release my credit report to fraudulent individuals. Here are the illegal inquiries as follows : XXXX delaware XXXX, XXXX XXXX, & XXXX XXXX
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, I requested a cashier 's check for {$2000.00} to be delivered to my work at XXXX XXXX XXXX, XXXX, CA XXXX, I never received the package and later found out it was shipped to XXXX XXXX XXXX, XXXX, CA XXXX. 
Capital One bank said they wanted me to fill out an affidavit to attest that I didn't have the check and to have it notarized. I told them that the check never made it to me and it was returned on XX/XX/2022 to Capital One and accepted by a " XXXX XXXX '' with a XXXX tracking number of XXXX. I refused to attest for a check that the company received regarding my check. 
I asked for the check to be redistributed to me, but now they are saying that they can't and can not release the funds for 90 days. 
XXXX said they would accept responsibility for delivering to the wrong address, but Capital one did not respond to the case, and XXXX denied the claim and closed the case. 
I asked them to get the check from XXXX XXXX In your company and verify that it is the check and return my money. 
I still have not received any follow up and I still have not seen that {$2000.00} deposited into my checking account. 
Thank you, XXXX
Consumer complaint received 2021-04-29
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. (AZ)

Sent in a dispute letter over 45 days ago to the bureaus for unverified, erroneous accounts. I have yet to receive any validation from the bureau nor creditor of validation of accounts. I demand according to the FCRA these unverified accounts be deleted from my credit report.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion removed XXXX collections accounts as well as XXXX hard inquiries on XXXX/XXXX/17. After doing so they reinserted them on XXXX/XXXX/17 without proper notification. That is in violation with the Fair Credit Reporting Act and I am requesting permanent removal of these accounts. I spoke with 2 Special Handling agents and they refused to take responsibility for the error. Nor could they explain to me how it happened and they refused to remove it from my report.
Consumer complaint received 2022-02-15
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. (FL)

On XX/XX/XXXX I received my the first copy of my credit report I found many errors starting with my personal information leading to account information that were never corrected with the following Credit Bureaus XXXX, XXXX, and TransUnion. On that day I wrote a letter to all 3 Credit Bureaus stating that my personal information was incorrect on my credit report, they did not correct that information. I then wrote a letter on XX/XX/XXXX stating and describing all XXXX items that are reported on my credit report are being reported inaccurately and needed to be corrected or deleted. They have failed to correct that information. I then wrote a letter on XX/XX/XXXX stating the same information again and they have failed to correct it. Im reaching out to your company to help me get through to the Credit Bureaus that I have been done and injustice and they are wrongfully reporting inaccurate information on my behalf that is causing me great stress and financial hardship by not being corrected.
Consumer complaint received 2017-05-01
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. (NC)

I have a {$210.00} medical bill from  XXXX . It was turned over to collections  XXXX . This has been turned over to Equifax by  XXXX  ,  XXXX . in  XXXX . As of a few days ago, they are still reporting it. This collection is being resold. It should come off in 7 years from original report date, correct? In  XXXX ? Or will it be on there indefinitely as long as they keep reporting it. I have been getting calls from unknown numbers from someone with a foreign accent saying they were a debt collector. I never answer and let it go to voice mail. I have challenged with Equifax about multiple reporting on this but was declined.   Thanks
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (NY)

I MADE MY WIFE AN AUTHORIZED USER ON MY AMEX ( ACCOUNT OPENED XX/XX/XXXX ) BELIEVING THAT IT WOULD HELP HER CREDIT AND THAT AMEX WOULD DO AS OTHER BANKS. IT ENDED UP DAMAGING HER CREDIT SCORE BECAUSE IT APPEARED AS OPENED IN XX/XX/XXXX. WHEN I CALLED AMEX THEY ADVISED THAT THIS WAS THEIR PROCEDURE AND I COMPLAINED BECAUSE THEY HAD NOT DISCLOSED THIS TO ME OR MY WIFE. WHEN I ASKED THEY REVERSE THIS THEY ADVISED THIS WOULD THEN APPEAR AS A CLOSED ACCOUNT ON MY WIFE 'S REPORT EVEN THOUGH NEVER DISCLOSED ANY OF THIS TO HER.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (NJ)

I requested an extension of my creditline, but before I did that I explicitely asked the AmEx creditbureau ( call has been recorded ) if I would get a 'hard hit ' on my creditrating. They explicitely told me this was not the case, so I proceeded. 
I just have been informed that they have put not XXXX, but even XXXX hard iquireries on my creditfile, which is hurting my credit. This is a particular issue because I am an XXXX, and XXXX only XXXX months ago, so I am trying to build up my credit, not break it down ...
Consumer complaint received 2022-02-15
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$1900.00} US DEPT ED XXXX {$680.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2016-10-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Credit Systems International, Inc. (TX)

this account was included in a chapter XXXX case # XXXX which was converted to Chapter XXXX case # XXXX in which all outstanding debt including medical bills to CREDIT SYSTEMS. This account has already been disputed once and removed. I am in the processing of purchasing and has now effected my credit score. I want this item removed immediately
Consumer complaint received 2015-04-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Mortgage Fraud is being perpetuated against by SPS known as Select Portfolio Servicing , Inc the property is located at XXXX XXXX XXXX XXXX, Ga XXXX. Legal Description : ALL THAT TRACT OR PARCEROF LAND LYING AND BEING IN LAND LOT XXXX OF THE XXXX TH DISTRICT OF XXXX XXXX, GEORGIA, BEING LO XXXX XXXX OF XXXX SUBDIVISION, AS PER PLAT RECORDED IN PLAT BOOK XXXX, PAGE XXXX, RECORDS OF XXXX XXXX, GEORGIA, WHICH PLAT IS BY REFERENCE INCORPORATED HEREIN AND MADE A PART HEREOF. I sent notice and ask the plaintiff to:XXXX Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; a ) FR XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ) b ) FAS XXXX Cash Flow Statementsc ) XXXX XXXX XXXX ) XXXX XXXX ) SEC Registration # of the pooled trustf ) FWP ( free writing prospectus ) SPS wont respond and now they are foreclosing on a property they do not own..
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (TN)

I started making payment on this solar loan in XXXX of 2022. I did not get any form of installation done till the start if XX/XX/2022. My panels and the services I agreed to are not functioning to this day, XX/XX/2022 and I have called to request the XXXX XXXX be put into place until all is functional. The bank is denying that such a rule exists in our contract and they are refusing to pause payment until my product and services are fully delivered and functional.
Consumer complaint received 2021-06-05
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. (IL)

there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's dental work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.