davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I signed up for a new checking account with Wells Fargo on X/XX/17 during a promo they were running. I am suppose to recieve a bonus of XXXX dollars after I made XXXX debit card transactions and online statements. I met all the requirements and emailed customer service on X/XX/17 to inquire about my bonus. I was told that I would have to fill out a XXXX form and mail it back when received, I recieved the form on X/XX/17 filled it out and mailed it back. I emailed customer serivce on X/X/17 to inquire about the bonus and told it was under investigation and I would recieve a respnse within 14 business days. I emailed again on X/XX/17 and recieved the same exact message about 14 business days and it was under investigation.
Consumer complaint received 2022-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have been repeatedly and wrongly denied loan forgiveness under the TEPSLF program. FedLoan Servicing is refusing to qualify my payments made while I worked for XXXX XXXX XXXXXXXX XXXX XXXX My employment there was on a contractual basis determined by XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  did not consider me " full-time '' by their definition ( no XXXX  there have this status ). However, I can clearly demonstrate that I worked an average of 31.8 hours per week while working at XXXX, and I have given this information to FedLoan Servicing. The definition of full time work as stated clearly at https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service # full-time-employment reads : " For PSLF, you're generally considered to work full-time if you meet your employer 's definition of full-time or work at least 30 hours per week, whichever is greater. '' That one must EITHER meet the employer 's definition of full time work OR work more than 30 hours per week. Clearly my payments during this time with XXXX XXXX  XXXX XXXX XXXX should qualify as part of the 120 payments. I have called FedLoan Servicing on numerous occasions and submitted documentation of my employment. FedLoans average response time to written communication is abhorrent : 60-90 days. Most recently I called on Thursday, XX/XX/2022, and I spoke with XXXX, employee number XXXX, who could not help me. She transferred me to XXXX, # XXXX. XXXX was extremely combative and condescending to me during the course of our conversation. She refused to acknowledge the above definition of full-time work applied. She confirmed that FedLoan indeed takes 60-90 days to respond to any written communication. She told me that my only recourse for my case was to " convince '' XXXX to change their response on my employer verification form, which would be asking XXXX to lie and commit fraud on my behalf. I'm not going to do that. This company appears to have a blanket policy of denying loan forgiveness by using their own self-serving definitions of " qualifying payments '' rather what the federal government has dictated. I need help!
Consumer complaint received 2017-06-10
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: Experian Information Solutions Inc. (NY)

I began disputing with the credit bureaus as of  XXXX   2017 . Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus,  XXXX , Experian, and  XXXX . They have never provided me an update regarding me report thus making it difficult for me to review the activity on m y account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen. In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why  I felt it necessary to express my concern.
Consumer complaint received 2017-06-06
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. (CA)

When I came to this country my friend co-signed on a private student loan through  XXXX  in which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy. Transunion is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that   XXXX   and  XXXX  are reporting correctly and Transunion is not and the score on Transunion is  XXXX  points lower. If I had filed bankruptcy do you really think my scores would be in the high  XXXX  's. I have perfect credit and expect this to be addressed and corrected immediately.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-06-10
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: EQUIFAX, INC. (NY)

I began disputing with the credit bureaus as of  XXXX     2017. Since then, I have received notification from the creditors but I never received documents from any of the credit bureaus, Equifax,   XXXX  and  XXXX  . They have never provided me an update regarding me report thus making it difficult for me to review the activity on my account. I have done research and am aware I should be receiving correspondences between 35 - 45 days which has not happen . In all of my dispute letters, I have always included my address so I am not sure why they are not replying me. I am also well aware that this is against the FCRA which is why I felt it necessary to express my concern.
Consumer complaint received 2017-06-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation (TN)

On XXXX XXXX, 2016 I closed on my house with SWBC Mortgage. I received my closing disclosure via email from loan officer XXXX XXXX from SWBC Mortgage dated X/XX/2016 via email. My closing disclosure listed a Lender Credit of {$1800.00} for property taxes in Section G of the Initial Escrow Payment at closing. However the lender credit of {$1800.00} was not applied to my property taxes or escrow account and has subsequently created an escrow account shortage. <P/>In addition to not receiving lender credits disclosed on the closing disclosure the APR was understated over the .125 % and the Finance Charge was understated by more than {$100.00}. The disclosed fees exceed the tolerances under 12 C.F.R. 1026.18 ( d ) of Regulation Z and are reimbursable. I contacted SWBC Loan Administration and they expressed that I owe the funds for the shortage and that SWBC could not assist or clarify the Lender Credits, APR, or Finance Charges. I was told to contact the  investor XXXX XXXX because SWBC is only servicing the loan. I contacted XXXX XXXX with SWBC Mortgage by phone and email however she has not contacted me regarding the disbursement of Lender Credits or the understatement of the APR and Finance Charges.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Chase Freedom Visa and violation of 2018 Senior Safe Act and Elder Fraud. On XX/XX/2019 I reported a dispute with two charges made onXX/XX/2019 on my XX/XX/2019 Chase Visa Statement. After my calls and written dispute letters, Chase 's  Customer Service stated they could not help me because they had two " online Square '' receipts with my signature from a " Face-to-Face '' transaction. I told Chase that I was overcharged : I thought the purchase was for {$40.00} but the Chase Statement ( and apparently the online Receipts ) show {$4200.00} and {$310.00}. I believe Chase Visa is in violation of the 2018 Senior Safe Act because my spending/charging history clearly proves that I do not make such large purchases for cosmetics. I am an elderly senior citizen and would never spend such a large amount on cosmetics -- especially not at a XXXXXXXX XXXX XXXXXXXX XXXX in XXXX Florida. Nevertheless, Chase authorized both charges of {$4200.00} and {$310.00} without red flags from its Chase Fraud Dept. I am alarmed that Chase would authorize this amount because other card companies ( notably XXXX ) would have declined authorization until I contact them directly to verify the amount. Furthermore, Chase Customer Service was clearly not sympathetic and left garbled messages on my answering machine to call some number that sounded fraudulent. I did contact the merchant ( XXXX XXXX ) to try to get an itemized receipt and a refund. XXXX aka XXXX in XXXX FL was unable to provide me with an itemized receipt of what I had purchased for that extraordinary amount of money. Furthermore, XXXX told me absolutely No Refunds and I could not even exchange unused products after 14 days. As a retired very elderly senior citizen on a limited income, I am horrified by both Chase Visa and XXXX 's disregard for my situation.
Consumer complaint received 2017-06-10
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)

i have been seeing on my credit report and account i have with  XXXX   XXXX   XXXX  has been showing negative. i did make a late payment for the first time since i had the card in  XXXX     2016  but never missed any payments since and have aleady paid  XXXX  bill and not due until the  XXXX .  XXXX   XXXX   XXXX  is blaming the credit  XXXX  and  XXXX  is blaming  XXXX   XXXX
Consumer complaint received 2020-10-07
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. (OH)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2017-06-10
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. (CA)

Regarding case # :  XXXX  The above matter show 's the wanton and willful deception of  XXXX   XXXX   XXXX . They state the following : "  XXXX  advised the borrower [ your, truly ] that educational loan debt is not dischargeable through bankruptcy. '' NOT TRUE,  XXXX   XXXX   XXXX  ... .and you know it ...     I would have to open what is known as an adversarial proceeding, and the standard is that I have to prove several things according to the so-called "  XXXX  test '' ( look it up  ) . But, you tell that lie to the poor and minorities ( like myself ), and in so doing you perpetuate a lie that student loans are not dischargeable through bankruptcy proceedings with the intent to give the WRONG impression that they can never be  XXXX  at all. IF IT WERE N'T TRUE, THEN I COULD N'T FILE AN ADVERSARIAL PROCEEDING ...     I think your deception is at the root of why the CFPB has a major lawsuit against you for your incipient corruption and misleading of the consumer borrower. And, boy, do you mislead.     The fact of the matter remains that I was told that by an entity connected directly to you that all prior negative notations on my account would be deleted when the loans were rehabilitated.     The fact of the matter is that you are not " required '' by the FCRA to report negative past history, but you may, if the information is accurate. Do n't try to mislead -- - yet again -- - with that wrong impression ; I 'm not buying it.     But, in this particular instance, I am only holding to you to the standard that your own representatives  (  or authorized third party ) told me.     Ultimately, I will probably have to file an adversarial proceeding and pursue the matter that way. The likelihood that you are going to ever be fully repaid by a  XXXX  male, in his middle  XXXX  's, with no college degree, and who owes over $  XXXX , when he borrowed not even half that much is, well ... .you tell me.     HAPPY  XXXX ,  XXXX   XXXX   XXXX .   Go get'em CFPB.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in XXXX I noticed 2 accounts on my credit report that is due to fraud the accounts are XXXX XXXX and XXXX XXXX which has been a total nightmare for the last 5 years. The accounts never belonged to me I have never resided at XXXX XXXX XXXX XXXX XXXX Ga XXXX which is address associated with the accounts. I sent in police reports, affidavits and written statements to fix this horrible case of fraud off my name. The accounts never belonged to me and I'm requesting to have them removed immediately. Being a victim of fraud is terrible however continuing to fight with these companies is worse.
Consumer complaint received 2017-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

A collection item fro m Wakefield Associates appe ars on my credit reports. The item, in the amount of  XXXX , is from  XXXX   XXXX . The item was opened in  XXXX ,    2011 ; six  years ago, when insurance should have been filed.    Wakefield Associates di d not contact me about this matter so that I could dispute it.
Consumer complaint received 2017-06-10
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: WELLS FARGO & COMPANY (TX)

During  XXXX   XXXX ,  201  6 Wells Fargo placed an account for which i never applied for. I called and asked for it to be removed. However Wells Fargo h as only removed the inquiry from my  XXXX  report. It is still in both my   XXXX   and  XXXX  credit reports.   The inquiry : Name  : Wells Fargo Pl & L Inquir y Date :  XXXX   XXXX ,  2016  Phone: XXXX
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I applied & then was approved for a Bank of America checking account online. On XX/XX/XXXX I went into a Bank of America branch to make my opening deposit. I deposited a cashiers check made out to me from another local bank for {$10000.00} And {$500.00} in cash. I was told There would be a seven day hold on my check at that time. I was fine with that. On XXXX I called the customer service number to obtain my account number so that I was able to gain online access to my account. They transferred me to the account closings department and said that they would be closing my account. I was told that the account would be closing on XX/XX/XXXX and at that time they would mail me a check. I wasnt happy with that so the agent Put in a request to be able to pick up my funds at a branch after the check cleared on XXXX. On XX/XX/XXXX, I again called customer service ( account closings dept ) only to be told that my last name on the account was not correct & they asked me if I went over by a different name. The last name that they had on the account was a last name that I had over six years ago. I dont understand how this happens when the account opening letter and my debit card that I received from Bank of America it was in my current last name but the account isnt? The agent was able to verify my identity through my phone number. I was told that my check had cleared & I was approved to be able to pick up my money from a branch. He also told me that I needed to take with me a document of my name change. I made an appointment at a branch for the next morning and after explaining everything and showing all the necessary documents I was told that the account was still in review and that they would mail me a check in my former last name to a former address. I told them that the review board approved my request to be able to pick up my money from a branch and was told they couldnt see that type of information? Furthermore, the cashiers check for {$10000.00} that was deposited was made out to me with my CURRENT last name & CURRENT address. I left there in tears & WITHOUT my money. I called Customer Service AGAIN and was told that yes, I was approved to be able to collect my money from a branch & that I should try another branch. This is ridiculous.
Consumer complaint received 2017-06-10
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. (FL)

XXXX  inc has listed collection accounts on my credit report.  XXXX  has not provided me with service details.  XXXX  inc is not licensed in the state of Florida to collect on debt.
Consumer complaint received 2021-09-03
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. (MA)

I, XXXX XXXX identify am the natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter. 
The attached letter contains the the accounts that are adversely affecting me.

Reporting Act 15 U.S.C 1681b Permissible purposes of a consumer report, which clearly states that .Any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

1 ) In response to the court order of a court having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a Federal grand jury 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave any written consent to report anything on my consumer report, and no court order having jurisdiction to issue such an order or subpoena issued in connection with proceedings before a federal grand jury has been issued. Also, I have not authorized any of these transactions. 
A consumer credit report should be equitable and fair to the consumer and should not contain any information that is adverse to the consumer pursuant to 15 U.S.C. 1681d Disclosure of investigative consumer reports.

The following information is adversely affecting me and is a violation of my consumer rights.

I have listed the items in the attached letter and below which are in violation of the FCRA and need to be deleted from my credit file immediately. 
my credit file immediately 1.XXXX XXXX Account Number : XXXX 2.XXXX  Account Number : XXXX 3.XXXX Account Number : XXXX
Consumer complaint received 2017-06-06
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: EQUIFAX, INC. (PA)

I have tried each year, for multiple years to obtain a credit report online from Equifax. Each time I try, it says processing, then times out, and says my report ca n't be viewed online. I have had no problem with the other  XXXX  reporting agencies.
Consumer complaint received 2020-10-06
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. (TX)

XXXX- Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX XXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.