davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SD)

I got a letter in the mail dated XX/XX/2019 from Wells Fargo Bank that my mortgage loan was being transferred or sold to XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX , XXXX. Sorry if this doesn't fall into the category of what you offer to pick from the menu. I just wanted to report this. I've been a loyal customer with Wells Fargo for 25 years, I'm a Veteran. I have many accounts with Wells Fargo. This Bank , XXXX XXXX XXXX XXXX is regional and has one star reviews it's website is abysmal and is not accredited. I don't want Wells Fargo sending my loan to this junk bank. It's not right. It's criminal. I forgave them when they were opening accounts in peoples names without their knowledge but I don't think I'll forgive them for closing and selling my account and leaving me to this bank. Please make it right.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Someone have got a car in my name and manipulated my information. I am XXXX and have been taken advantage of. Someone keeps opening accounts in my name. I have not opened an car with XXXX XXXX   and am in a bad situation because people keep taking my information and stealing my identity.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Identify theft victim ; XXXX XXXX XXXX **Completely compromised Data breach- Equifax, XXXX, XXXX, and more. 
Identity theft SSN, Birth certificate, DL, Registration, Identity theft wallet I have submitted in writing and via telephone to all major 3 bureaus XXXX, XXXX, and Equifax. XXXX, XXXX, XXXX, XXXX Issues as follow : 1. Equifax Failed to alert me of XXXX breach as I have been involved ( SSN, DL ), failed to add the requested Fraud alert, and security freeze. Resulting in more identity theft fraudulent activities. 
2. XXXX  added the security freeze successfully. Failed to add Fraud Alert.  Resulting in having to purchase complete Identity theft membership out of pocket. 
3. XXXX failed to add security freeze as well as Fraud Alert. Resulting in additional fraudulent activities. Having to purchase XXXX identity theft products for protection. 

Final results of not fully being protected by Consumer agencies who I relied on to prevent issues from arising as more activities add. Lack of protection has allowed more financial bariers to financial hardship HIGHER RISK, HIGHER INTEREST, VEHICLE REPOS, CYBER HACKING, HIGHER PREMIUMS, & Higher Deductibles /downpayment rates.
Consumer complaint received 2019-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (CA)

I am experiencing financial hardship and am consolidating all of my debt into a debt management plan, which LendingClub refuses to honor. If I am reaching out to LendingClub asking for their help to fulfill my obligations of my loan, how can they get away with not helping me, the consumer. I am willing to pay the remaining balance {$4500.00} of the original {$6000.00} loan amount, but with a reduced monthly payment of {$120.00} for 36 months which roughly equals {$4500.00}. This is more than reasonable and very financially responsible on my part. I just can not afford the originally agreed monthly payment of {$240.00}, which my debt management counselor at XXXX XXXX XXXX can confirm. 

Thank you, in advance. 
XXXX XXXX
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX Balance Owed : {$200.00} Collection XXXX XXXX  XXXX Balance Owed : {$0.00} Charge off These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (OH)

Since XX/XX/2021 I have been working with flagstar bank to get my loan reset from covid 19 forbearance program today I was told that they can help me it closed out yesterday, I have summitted the same requested documents and have proof on their webiste since XXXX. They are not wanting to help me they just keep asking me to submit documents that they already have. I dont want to lose my home
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

This is not my debt. This company is trying to collect a debt for a company that I have never done business with. They call me 3 to 4 times a day, while I am at work. I have asked them to stop more than once. They call from numbers that have the same prefix, just the last four are different, every single time. It is ridiculous. They can not provide proof that this is owed by me, which shows that it is not me, but they still will not stop calling. It has turned to harassment and it needs to stop. The company name is Diversified Consultants. When you look up the phone numbers though, they are all in individuals names. It shows that they are fraudulent. There are no contracts, paperwork, etc., to make their claim plausible.
Consumer complaint received 2018-02-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: ALLY FINANCIAL INC. (TX)

Bank : Ally Issue : False advertisement for {$100.00} bonus for new account I opened an account with Ally because of the promotion in XX/XX/2017. The promotion page listed 5 conditions. However, after I have met the 5 conditions, Ally refused to honor the bonus and cited that according to their current promotion ( {$200.00} bonus ), 3 trades are required. The current offer page also clearly listed the 3 trades qualification condition.

I have the previous screenshot that shows at the time of my promotion, there was no such requirement. Or I could assume that it was deliberately made unknown the  customers. Ally can not show any concert proof that it was in the fine print either.
Consumer complaint received 2019-03-16
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: CORELOGIC INC (VA)

i have hard inquires on my credit report and its not mine i sent they still haven't taken off the XXXX XXXX inquiry thats not mine i would like all the inquiries off my credit report XXXX  and XXXX  i have sent a lot to the XXXX in wisconsin and they are taking off XXXX XXXX XXXX but the inquiry is still on mine please take off all the hard inquiries off my credit report also XXXX XXXX has hard inquires on her credit report that aren't hers XXXX XXXX was fraud and the XXXX took care of that but she has inquiries too that need to come off and XXXX XXXX needs to come off please help us you have done a very good job for us so far please see what you can do to get these off our credit reports
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score.

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
Consumer complaint received 2022-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (OK)

Wanting to pay my line of credit in full. However, I need to update my banking information for that pay off. I can't update banking information online. I have spent the entire day trying to reach someone at NetCredit. Their phone system has disconnected me 5 different times after waiting online for 15 minutes. I finally got through and ended up sitting on an open line for 45 minutes. I could hear the agent singing and talking and it sounded like she just answered the line and then set it down. She was not on other calls because nothing she was saying sounded like business. While on the 45 minute open call I decided to call from another line and have now been sitting on that call for 40 minutes, no music nothing just the occasional static. 

Seems to me that NetCredit would like it near impossible to pay this line of credit off so that an individual doesn't have to continue to incur outrageous fees. My pay off is going up hundreds of dollars everyday I don't get it paid off. 

I did also send an email, but the auto response said it could be several days and suggested I call.
Consumer complaint received 2019-03-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2019 I received a letter, by first class mail, of a lawsuit ( that was issued on XX/XX/2019 against me ) from Entities who claim are of an Attorneys office out of XXXX, Texas. 

The letter is a copy of a Citation, that shows was signed & Notarized by the Justice Court Judge, of the County I live in, from an Entity that claim are a XXXX Attorney representing Midland Funding LLC ( an out State Company ). The XXXX Attorney address is : XXXX XXXX XXXX, XXXX, TX XXXX ; and their phone number is : XXXX ( XXXX ) XXXX-XXXX or XXXX ( XXXX ) XXXX-XXXX. XXXX see attached of the actual Lawsuit letter & the envelope I received it in ) The Plaintiffs in said Lawsuit, mentioned, are : Midland Funding LLC ( of address unknown ) & XXXX XXXX. XXXX XXXX XXXX  shown address, on the Suit, is : XXXX XXXX XXXX XXXX XXXX , XXXX. XXXX, MN XXXX. 

They are suing me for {$2100.00} ; and they state I have 14 days from after the day I was served with these papers.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently noticed that I am a victim of identity theft. I have already filed a report with the FTC which includes the accounts and dates opened. Please help me rectify this situation as soon as possible.
Consumer complaint received 2022-01-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

In XX/XX/XXXX my Bank of America State of Michigan XXXX XXXX prepaid debit card was drained of {$5900.00} in over 3000 transactions by in internal breech of BOA. I have made numerous calls and complaints with still no resolution on their end. It is now XXXX, XXXX and I am still awaiting the return of {$2500.00}. I have filed 2 previous complaints with this bureau, and you have helped me. Time is of the essence as I have received this message from BOA : Please note that the Michigan Unemployment Insurance Agency has changed its process for distributing your benefits payments. 
What's happening : As of XX/XX/XXXX, Michigan Unemployment Insurance Agency stopped depositing funds to Bank of America debit card accounts. Your Bank of America card account will remain active until XX/XX/XXXX. 
What you need to do : Prior to XX/XX/XXXX, you may continue to use your card. If your card expires after XX/XX/XXXX it will not be reissued. To transfer funds to your existing checking or savings account, select the Transfer funds option within this site. If there are funds remaining in your card account after XX/XX/XXXX, you will need to contact us at the telephone number on your card for further information on how to obtain the balance. I am at a loss of what to do. I am not sure a fraud department exists. Thank you for your time.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been a victim of identity theft since XX/XX/XXXX. Since then multiple attempts were made by the person to get credit cards under my account to his location. I notified the consumer reporting agencies about this matter and a fraud alert was placed on my behalf. The culprit had still been able to use different credit cards under my account initiating transactions which I disputed with credit card companies and matter was resolved. 
But on XX/XX/XXXX I got a notice from Bank of America stating a payment has been returned from a credit card account ending in XXXX under my name followed by a credit card statement for the amount of XXXX with transactions on multiple credit card accounts. I spoke to Bank of America fraud department about this matter and informed them that it is an unauthorized transaction and also that the card ending in XXXX was not in my possession. The banker verified that the card ending in XXXX was sent to a different address and so I was unaware of any transactions being made on that account until recently when Bank of America sent a statement to my address. 

On XX/XX/XXXX Bank of America sent me a notice saying they are unable to resolve this disputed transaction.
Consumer complaint received 2018-02-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Account Recovery Services, Inc. (AZ)

I contacted account recovery services to pay a medical bill that had gone into collections. When I asked to pay the debt in full, I received a nasty response by XXXX XXXX. Instead of taking the payment and giving me a reference number she was very confrontational and would talk above me. I gave her my debit card information and asked when this modification would be revised on my credit report. She told me it would not change anything. I confronted her about her rudeness only to be told she had something I would never have, " a good credit report. '' This transaction took place on or around XX/XX/17 and have a bank statement as well as a recorded conversation when her behavior became escalative.
Consumer complaint received 2022-08-10
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. (IL)

I have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted XXXX, Equifax and XXXX via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I leased a car from the XXXX XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score. 

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XXXX XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the XXXX dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should  have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The manager of the dealership wrote a letter for me to send to XXXX  stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the XXXX  Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

# 1. DEPT OF ED / XXXX Acct # XXXX # 2. DEPT OF ED / XXXX Acct # XXXX # 3. DEPT OF ED / XXXX Acct # XXXX # 4. DEPT OF ED / XXXX Acct # XXXX YOU ARE REPORTING THAT I AM 90 DAYS LATE FOR XX/XX/XXXX BUT YOU SHOW THAT I HAVE SUBMITTED ON TIME PAYMENTS FOR XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ... .HOW CAN I HAVE BOTH 90 DAYS LATE YET THE 3 PRECEDING MONTHS ARE PAID ON TIME??? 

I can't believe the inaccurate reporting on my credit report! According to the credit bureaus, I'm 90 days late on my XX/XX/XXXX payment, even though I paid on time in the previous months of XXXX, XXXX, and XX/XX/XXXX. It's frustrating to see these errors, especially when they can have such a significant impact on my creditworthiness and financial future. 

It's not just me- a XXXX study by the Federal Trade Commission ( FTC ) found that one in five consumers had an error on at least one of their credit reports. That's outrageous! These errors can lead to higher interest rates, credit denials, and even affect my job prospects. 

There are several common types of errors that can occur on credit reports, including incorrect personal information, outdated account information, and inaccurate payment history. In my case, it's clear that there's an error in the payment history section of my report. 

I'm so frustrated that I have to deal with these errors. It's not fair that I have to spend my time and energy correcting someone else 's mistake. And even worse, the burden is on me to prove that I'm in the right. It shouldn't be this way! 

I know I need to take action and contact the credit bureau ( s ) to get these errors corrected. But it's just frustrating that I have to go through all of this trouble because of someone else 's mistake. It's not right, and it's not fair. I just hope that in the future, credit bureaus will be more careful and accurate in their reporting so that others don't have to go through the same frustration and hassle that I am.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-01-16
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)

These hard inquires are hurting my credit o have called the bureaus and explained my car is paid for XXXXm not sure why some many card inquires for my cars I brought my vehicle with cash I have over 13 hard inquires please remove