davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft, and I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. 
I contacted the Companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (CA)

In response to Wells Fargo Dealer Services, the company is still charging me for warranty amount attached to my monthly payment each month since the warranty was refunded at {$1800.00}. or so. This is the illegal part of the matter. 

There is still money due.
Consumer complaint received 2020-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The bureaus fell to comply with the law.. Ive sent several dispute letter in regards to my credit concerns. They fell to comply, they haven't provided me with any of my investigation results.. They are in violation of the law. Please help me by removing all my credit concerns from my report..
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (VA)

I disputed an item due to cancelling and never receiving merchandise, Wells fargo took the word of the merchant that I did n't cancel so they reversed the credit. I felt this was unfair having being charged XXXX for something that I never received and was told would be cancelled and no further shipments. Wells Fargo wont reopen its investigation and says I did n't cancel, why would I lie? this is a large bank just bullying the little guy
Consumer complaint received 2023-01-27
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: Onity Group Inc. (GA)

PHH incorrectly reported that I was delinquent for 30 days. This was right around the time that they sold the loan to XXXX. I have proof that all my payments were on time with them. Even though they show my payments being on time they reported incorrectly to XXXX that I was late in XXXX 2022, and they reported to XXXX that I was late in XXXX of 2022. They have been unable to correct the issue and to do so in a timely manner. My credit score has been negatively affected by XXXX points and is affecting my ability to obtain a loan.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (ND)

I sent a fax and police report to Chex Systems last month informing Chex Systems that I 'm a victim of identity theft and someone stole my personal information to open the following checking account with XXXX XXXX XXXX # : XXXX. The checking account is fraudulent, unauthorized and do n't belong to me. I have never open or had a checking account with XXXX XXXX XXXX.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: EOS Holdings, Inc. (TX)

I have sent this debt collector several letters using the available templates letting them know I am not liable for the debt they are attempting to collect and to cease all communication with me. They still continue to call me regularly and do not leave voicemails.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (TX)

I hate to bother you for something so small but I have tried everything from calling to emailing to complaining but Wells Fargo refuses to fix the UNFAIR redemption policy.
<P/>
THE UNFAIR PRACTICE : It is VERY UNFAIR that you can ONLY REDEEM in {$25.00} increments.
No other credit card, that I know, has such a condition.
It is inherently UNFAIR because it always will leave customer SHORT.
If the customer has over {$25.00} or under {$25.00} rewards balance, the customer will always be short and never able to redeem the FULL amount that customer has RIGHTFULLY earned.
It is virtually impossible for the customer to get exact {$25.00} redemption amount, because redemption amounts are calculated at various different levels of 1-3 % of purchase.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I have made regular and consistent payments of {$170.00} each month to Navient to pay my federal student loans serviced by Navient. Navient stated that I failed to pay my federal loans for 7 of 12 months in XX/XX/XXXX and 4 of 12 months in XX/XX/XXXX. I provided documentation of the completed auto payments made from my checking account, electronically paid to Navient for federal loan payments for 12 of 12 months in XX/XX/XXXX and 12 of 12 months in XX/XX/XXXX. I have provided proof that I made payments properly and automatically each month.
Consumer complaint received 2020-09-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BUDGET CONTROL SERVICES, INC. (GA)

So I had a XXXX procedure done. Originally I was told with both my insurance it would only be {$7.00}. Great ok so I had the procedure done when I came out I was told it would be {$90.00}, when questioned I was told the need to do extra stuff while do the procedure. I was told while it was happening hey we are having to do extra work or anything. But I paid the {$90.00} anyway right then. So maybe like 2 years ago I see a collection. I call and they say its from XXXX XXXX XXXX XXXX. Well as far as I know I paid. So I called XXXX XXXX, they looked up my record and said they sent a letter With the additional fee. So I said what fee I already paid extra while there. She said my insurance came back inactive. NOT TRUE. so I called the insurance company myself and was told by them, that because I had two insurances they asked them to send a itemized bill of what the other company paid and they would pay remainder. Well they never sent the itemized bill per the insurance company. They company also told me they would still take care of the bill if they send the invoice. So I called back perfect teeth and asked for manager. The secretary who I spoke with earlier said she was the manager and wife of  the dentist that did my procedure. So I told her what the insurance company stated and that if she sent the itemized bill they would cover the debt. She then said she sent the itemized bill they asked for. STOP she had told me in the previous phone call that they said my 2nd insurance was inactive. So I told her that she just lied to me. She then began to yell and say if you had your mail forwarded then you would have received the new bill and wouldn't have went to collection. I told her my husband is military we live on post we had no other bills or mail being sent to us. The XXXX knows where we move, and we had no outstanding bills to have needed to forward any mail. I was told it was taken care of when I left your office. I truly believe they are running a scam. They are charging people extra and because I had 2 insurance they tried to bill them twice for same procedure. Why else would they not send a bill. Even a debt when the insurance is saying they will pay for. They need to be investigated and the matter needs to be investigated. I don't have money to pay a bill I don't owe. The debt is now with Budget Control Service.
Consumer complaint received 2021-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Collection Management LLC (GA)

repeated calls from capital collection management agency about some debt. I don't know the debt or anything, The man calls daily leaving messages. I tried calling back and it goes to his voicemail. I have repeatedly told him to stop calling because I do not owe anyone back debts. 
His number is XXXX He calls and leaves the same message daily
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Information used to verify identity over the phone is outdated, misleading, and an effort to discourage and deny a copy of my consumer report that I am entitled to. 

Specifically asking trick questions of what neighborhood I lived in 25 years ago and that is no longer on my report. The options were XXXX XXXX instead of XXXX XXXX causing me to fail that question. 

Asking the specific amount of a current loan that was financed within hundreds of dollars apart making it difficult to say with out having a credit report in front of me causing me to fail that one. 

Asking about a county I lived in in XX/XX/1989 ... 30 years ago Who do I know that lives in a city I have never heard of. 

This outdated, misleading, and trick questioning is unreasonable and causes an undue burden. This is considered to be done willingly and with malice.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX XXXX XXXX, XXXX. XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt or other wise to any bureau nor post or obtain any information on my Credit Files. This is not a dispute and should not be posted on my report as said. 
This is in regards to XXXX
Consumer complaint received 2016-03-14
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (OH)

I am a current Avant customer. I have had a loan with them for 14 months - every payment made on time & auto deducted. I applied for a refinance & was given a TIL. All of the sudden, after putting in my bank information, they denied me. After waiting for two weeks, I was finally sent a denial notice via email. They denied me, a current customer, for " unable to verify identity. '' I attempted to call to speak to them & was told that I had to email their compliance department. When I did, they would n't answer me with what or why they were unable to verify the identity of a current customer. I believe I have the right as a consumer to know why my current loan company is unable to verify my identity. They have all of my personal information, including my social security number, bank information, name & date of birth. If they needed something additional, then they could have requested it. I believe this is a false reason for the denial & I also believe I am entitled to the reasons for a denial from a lender considering I meet their criteria. 
They have no problem verifying my identity to take my monthly payment each month so obviously this could n't be a great concern for them.
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

Navient will not work with me with repayment plans. They tell me I have no more options and want me to pay $ XXXX/ month. I only make $ XXXX/yr. I paid over {$5000.00} in interest with them last year. I try to explain to them that I can not afford these payments each month, but they refuse to work with me.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I 've called many times to the credit reporting agency to inform them these inquiries were not mine, that they were fraudulently. The agency are telling me to just let the inquiries fall off, but they do n't belong to me, so I want them removed.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

Dear Sirs, My name is XXXX XXXX XXXX, I have a Citibank XXXX XXXX XXXX credit card and in XX/XX/XXXX I received an offer that if I opened a checking account at XXXX I would receive XXXX bonus miles from XXXX XXXX XXXX program. 
So I did- account number XXXX routing number XXXX Citi Priority XXXX XXXX XXXX XXXX XXXX 

In order to have the miles credited in 4 months, there would be some rules ; Keep a certain amount of money for 3 months in the account, spend {$800.00} dollars in the first month using the debit card, register payments to the account, etc. 

I did all the steps and to really understand the rules I also called 3 different times Citibank and spoke to different agents about the promotion, asked questions, if I was doing everything right and all agents that I spoke to confirmed that everything was correct. If the calls are recorded, there is proof of the questions and answers. In XX/XX/XXXX the miles should have been credited in my account. 

Yesterday, XX/XX/XXXX, I called again because the miles werent credited and for the first time the person who assisted me let me know that the step that I had to pay bills through Citibank should be done through a Citibank channel, not only add payments thought XXXX, click pay, my insurance company etc so the miles wouldnt be credited at all because I missed this step!!!! 

I was very upset with this information, of course. I was misinformed in all my calls to Citibank, I just open the account because of the promotion, I went to a Citibank agency to speak in person to a banker, he said that because I opened the account online he couldnt help me, I had to talk over the phone. 

I had to pay a {$30.00} dollars fee per month in order to maintain the account, so this promotion only took my money, my time over the phone, mislead me with wrong informations and in the end no miles, just disappointment. 

If you would check the calls and the steps in my account towards the promotion you will see what I am talking about. 
I hope someone cares, I hope Citibank honors the promotion on my behalf and share the responsibility for the step I did wrong because everybody I talked over the phone made me believe that everything was correct. 

Please, I would like your help to know how do I proceeded in order to open a Claim about this matter. 

Thank you, XXXX XXXX. 
Phone : XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANKUNITED, NATIONAL ASSOCIATION (FL)

XXXX has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.0XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-23
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. (GA)

I have few accounts on my credit file I have contacted the credit breau equifax I they are not trying to resolves this issue I have been fighting with them for a long time do to fraud on my credit I have placed a fraud alert and nothing is being done I even file a identity theft report
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I received my " Experian '' credit report dated " XX/XX/2017 '' in the U.S. mail. On " Page 27 of 32 '' under " Record of Requests for Your Credit History '' in falsely is noted that " XXXX '' unlawfully accessed my credit report on XX/XX/2017. IThis is not mine. I am a victim of Identity Theft.
Consumer complaint received 2015-09-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have sent XXXX faxes and XXXX letter to Fifth Third bank ( XXXX ) requesting that they close my saving account and send the remainder of my funds in a check to my address. I am ill and I simply do n't have the energy to go back to the bank branch which is XXXX miles from where I live. I would have to take a bus, train and a shuttle to go back to the branch and round trip the travel would take 8 hours. Despite explaining this and asking several times that they close my account, the savings account remains open.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a chapter XXXX bankruptcy in XXXX of 2015 which was switched over to a chapter XXXX in XXXX of 2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the one. It is hurting my ability to recieve any type of loan or anything of that sort.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-04-13
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GCFS, INC. (CA)

Company GCFS recently contacted my HR department at my office disclosed they have a judgment against me due to debt owed and they want to start garnishing my wages which i was not aware of I was never sent a letter to dispute the matter or even given a chance to take care of it. HR department never received a judgement letter or form stating the facts of which they made a call for. a similar situation happened about XX/XX/2015 with my previous employer they called the office same company GCFS this time a name was given to call XXXX XXXX called XXXX disclosed that I owe debt and they want to add the the wage garnishment over the phone also gave a file # to call the court office with a file # stating that his call is true and debt is owed but file was never discovered and by that time I called GCFS and stated that they stop calling me and stop calling any and all employment past or future and it seems they did not get the message as this year they called my new employer with the same spiel that I owe debt and they want to add the wage over the phone and they refused do take any action unless a certified judgement was in place. A letter was sent with package open mail was not protected and mail sent to place of employment was breached before it reached the office.