davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nav Technologies, Inc. (WI)

XXXX, I spoke to the representative who acknowledged the information was wrong, and stated they would forward it to a supervisor XXXX Monday no correspondence, I reached out again Tuesday and they called and gave an excuse, they are reporting the wrong information about my business to the credit bureaus, they have acknowledged and refuse to vefiy the discrepancy has been remedied and the correct information has been forwarded to the bureaus respectively, they report on the XXXX of every month and have been reporting wrong throughout the duration, I pay XXXX quarterly and they have failed to adhere to the contract, I have been diligent with trying to fix the issue, hence this was my last report, I will report the XXXX next.
Consumer complaint received 2022-09-14
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. (NY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-03-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I was awarded SSDI in XXXX of XXXX XXXXnd XX/XX/2020 my student loans were forgiven by US Department of Education letter received confirmation. Waited 60 days, reviewed my credit reports and I have since written to 3 credit reporting companies for removal of the student loan debt attaching the letter from UD Department of Education showing the debts were forgiven on 4 different occasions via US Mail, no response and the debt hasnt been removed.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

A couple of months ago around the beginning of XXXX I opened an account with a {$30.00} deposit with fifth third Bank. Within 2 weeks I tried to log in and they invalidated my login credentials. I called to find out the reason and I was told that I needed to verify my information at a physical branch. I informed them that I am not able to go to a branch as they are not accessible from where my location is. After that they sent me a letter stating that they would close my account down in 15 days if I did not go to verify my information so I decided to wait and let the account close so I can retrieve my {$30.00} deposit. It is almost a month since that letter was sent and I have not received any form of communication or update about my deposit from this Bank. I have called them multiple times and have been hung up on or put on hold for so long that the phone system automatically hangs up my call. I do not want to have anything to do with this bank as I had not had a chance to use an account I've had open for multiple months. I just want my money back, they told me they were going to get me my money back and they have not as of today.
Consumer complaint received 2018-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX for XXXX. I made a down payment of XXXX on XX/XX/XXXX. The total cost included a {$790.00} Gap insurance policy through Ally. On XX/XX/XXXX, I mailed {$4500.00} ( money orders ) off to Ally so I wouldn't have to worry about it while I was finishing my certification. Unfortunately the car was totalled the same night. I called ally and let them know that the vehicle was totalled and not to apply the money I sent, she informed me that it hadn't been received yet. The money was received on XX/XX/XXXX, I called again to make sure everything was str8 but saw that they had applied the money and put it as paid up until XX/XX/XXXX! I called and the woman said that they would get it str8 once vehicles was totalled out. XX/XX/XXXX I went to XXXX and purchased another vehicle, the payments were about 100 higher but I didn't worry as much since Ally still had {$4500.00} of my money. XXXX totalled truck out and paid Ally {$23000.00} which they received on XX/XX/XXXX. We talked back n forth with me wanting payments applied to my truck. However in XXXX they were trying to repossess. I have paid a total of {$14000.00} to Ally ( not including the {$4500.00} or XXXX down payment ). I am behind now and they are talking about repossessing, however I am actually ahead. I was taking care of the situation last year but I was told that they were working on my account so I let it be. I have my money order receipts, account copy ( before it was deleted ), confirmation of sale with Gap Policy through ally, confirmation of mail received, and payment history.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (TX)

Took out XXXX visa card for airline points on trips to XXXX XXXX issued by US Bank and points were from XXXX but they have since merged with XXXX XXXX .Folks I talked to with the bank never heard of XXXX XXXX I had been saving my points for the last 3 years and had accumulated over XXXX with the requirement ( from their website ) of only XXXX for XXXX ticket. I then tried to get into their website furnishing my info of passport and personal info to no avail then was given a surefire password that still did not let me into the website as usual, this is the most mismanaged company I have ever seen. We can do some of these things for you but you must pay a fee. Could never talk to anyone who could schedule my trip or get me onto the website where I could schedule it. When I asked who gave the 25 % discount given on first trip useage, no one seemed to know and it is plainly stated in the bank 's advertising. 
What I want is a plane ticket from XXXX ( round trip ) to XXXX XXXX based on the kilometers I had prior to XXXX XXXX, 2017 as I had earned it under the US Bank XXXX visa card. I will not do business with this bank again!!!!! My Bank account # is listed as XXXX XXXX XXXX and XXXX XXXX XXXX with a XXXX number of XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VT)

XXXX XXXXXXXX says I opened an account with them I believe in XX/XX/XXXX or XXXX I have tried disputing this many times on there website XXXX I believe it's called whatever the company that took it over for collections the amount is XXXX XXXX and its the only bad thing on my credit report I have tried many times to have someone hear me out but everytime I try disputing it they just ignore it or don't do anything I know for 100 percent fact I never opened anything through any credit company and I tried to explain I believe my actual birth sister did it because she has done it to other family members and she knows my ss number and all of my info because our ss numbers are exactly the same except our last 2 digits I just need help getting this resolved because if I didn't have this on my credit report I would of been able to do things like purchase a car or a home but this negative thing is stopping me if I did it I would of owned up to and made it right but I didn't and I don't have the money to hire someone to help me dispute it correctly
Consumer complaint received 2020-08-23
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$2200.00}, {$2900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act 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, has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,
Consumer complaint received 2020-08-23
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. (CA)

Equifax is knowingly reporting an account that has been reported as identity theft. 
XXXX XXXX Acct # : XXXX I have sent police reports, notarized statements, identification and social security cards to all three credit reporting agencies. Equifax is the only agency that is refusing to remove the fraudulent account.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/20 I contacted a male named XXXX XXXX he was selling a French bulldog puppy named XXXX he sent me pictures and a call saying that the puppy was in a good health that I had to send him {$1600.00} through the apps XXXX XXXX and I sent it right after I noticed that it a scam, I called my bank wellsfargo the representative told me that it was Authorized push payment fraud ( APP fraud ) is a form of fraud in which victims are manipulated into making real-time payments to fraudsters, typically by social engineering attacks involving impersonation. That I didn't have to worry wellsfargo was going to refund me my lost money {$1600.00} then wellsfargo called me and told that they can't do nothing to refund me that money because they don't have the power to do it so, Even they said about that APP fraud was a scam. I called them to say that I have 10 yeas with them and I didn't have a problem like that before but I could see that they didn't know what they were doing about it. This is the case number # XXXX
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. Transunion makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, Trans has XXXX inquires, XXXX has XXXX. That is a big difference. Also XXXX reports as 8 late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not XXXX
Consumer complaint received 2021-03-03
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was awarded XXXX in XXXX of 2020 and XX/XX/2020 my student loans were forgiven by US Department of Education letter received confirmation. Waited 60 days, reviewed my credit reports and I have since written to 3 credit reporting companies for removal of the student loan debt attaching the letter from UD Department of Education showing the debts were forgiven on 4 different occasions via US Mail, no response and the debt hasnt been removed.
Consumer complaint received 2018-07-05
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc. (TX)

Real Time Resolutions ( RTR ) engaged in fraudulent activity to misrepresent my financial arrangement with them, which is supposed to be {$5.00} per month, and even going so far as to state, according to their representative, that I signed an agreement to pay them {$120.00} per month. I never signed or agreed in any manner to such a thing. I am submitting the following documents : My XX/XX/18 RTR - Fraud Complaint Statement XXXX XX/XX/XXXX Letter RTR XX/XX/XXXX Letter ( page 1of2,  backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX Letter ( page 1of2, backside of page 1of2, page 2of2 ) RTR XX/XX/XXXX website - online contact page ( email option ) of my nite of correspondence sent to them XXXX Money Order receipt purchased on XX/XX/XXXX and sent to RTR, and processed by RTR on XX/XX/XXXX. ( The XXXX claim confirmation for the processed money order will be forthcoming ).
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN INTERNET MORTGAGE (AZ)

American Internet Mortgage sent money from my escrow account to an insurance company that I did not approve or have insurance with. They never reached out to me to verify the change in policy but instead just sent a check to a random company. AIM ( american internet mortgage ) told me that I would have to retrieve the money and send it back to them. I found out who the company was that AIM paid and that insurance company informed me they sent the money back to AIM and they cashed the check. I provided AIM with a check number and date that the check was cashed by them. They are refusing to reimburse the money in the escrow account and now I have an escrow shortage for money sent to an insurance company that I did not approve. I gave AIM all this information at the end of XXXX and was told they would open an investigation. I never heard back from them again ... I spoke to them a few weeks ago and they are still saying they can not help but offered to open another investigation. I have left several voicemails over the last two weeks but I am not getting a return call. My escrow account is short by almost {$1400.00} and now my mortgage payment has gone up. At the end of the day, AIM got their money back from the insurance company and they are now taking money from me that I do not owe. They are stealing money from me!
Consumer complaint received 2020-07-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-07-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (NJ)

I took a hard money loan out on my property in north carolina.The company was called XXXX XXXX.The loan was in the amount of {$22000.00} on the structure that sat on the property.I filed chapter XXXX bankruptcy and agreed to sell a portion of the property to pay off the loan.once i found a buyer and went into contract XXXX XXXX foreclosed and sold the property less then what the buyer was paying illegally while i was under bankruptcy protection
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

On XX/XX/2017 US Bank cut a check out of our escrow account for {$980.00} and can not tell me why or where the check was sent. I have asked multiple times for answers as to why this was done and how and they will not give me a straight answer just that " thye do not know ''? How and why can they no tknow why the money was taken out of our account? This has caused a shortage in our escrow account and as a result they are now increasing our payment.
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (MN)

Im receiving letters and telephone calls of harassment, abusive and profane language, garnishment of bank account, death threats and threats of being sent to jail and prison continuously from attorneys at Gurstel Law Firm, a debt collection law firm, for a debt that is not my debt and is the result of identity theft. The debt is a fraudulent debt and isnt my debt. Gurstel Law Firm is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.
Consumer complaint received 2020-05-05
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: EQUIFAX, INC. (FL)

( 103 true Identity theft ) 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 Please block this information from report XXXX XXXX XXXX  # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date openXX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX XX/XX/XXXXfile number XXXX XX/XX/XXXXReport Number XXXX equifax lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in Equifax Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2016-11-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (NY)

I pulled my credit report to find that ACS/well fargo had transferred my loan. I 've reached out to them several times into late payments that they are reporting that is inaccurate. they stated that they would fix an upadted my account but what they did was add on more late payments and this looks like i am making late payment to them for a loan that is not even services by them..this late payment are incorrect, and i would like them remove from my file and my files updated to show inaccurate info removed the account never had XXXX late payments
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NH)

Purchased airline tickets on XXXX Chase card on XX/XX/XXXX for 2 different purchases ; {$650.00} and {$130.00}. We canceled the flight bc XXXX XXXX told us to do so as to not incur cancel fees. They never answered any calls the numerous times we called. When we finally got through no one would help us. FLight was ultimately canceled any way, our vouchers were then expired XX/XX/XXXX. We received nothing for the almost {$800.00} paid to frontier due to COVID19. We tried to book the trip again, but the flight was never available and destinations were slim ... ... ultimately we did not want to travel right now due to COVID19. They will do nothing for us. I filled out a refund form back in XXXX and got an email stating I completed it and no one responded. Now our cc won't dispute the charges bc they said it was a nonrefundable ticket. THis was due to COVID!!!!