davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (KY)

In XXXX of XX/XX/XXXX cable was disconnected for non payment by XXXX XXXX,. In XX/XX/2018 i recieved final bill for service and all equipment was turned in prior. Late XXXX i was still being billed for service i did not have called company they were supposed to have fixed bill late XXXX received updated final bill. XX/XX/XXXX I called to have my service reconnected and was told I had to pay off the old bill of {$230.00} in which i did to receive new service. paid the amount in full started new service. in late XXXX I received a collection notice saying I owed a past due bill of XXXX called collection company and XXXX to resolve matter, XXXX claimed they had to research the matter in XXXX received a collection from diversified counsultants called and explained to diversified consultants that XXXX had yet to verify my collection and my situation i again called XXXX to verify the debt and correct the situation again told they would research and get back to me. called XXXX  again in late XXXX they stated the would get back to me after research in late XXXX added collection to my credit report by diversified consultants. Neither company will verify the debt or where the balance came from
Consumer complaint received 2015-12-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

XXXX as part of an XXXX XXXX, 2015 refuses to remove erroneous and fraudulent items from my credit report, a report that has several names which are not mine, a birth date that is incorrect and several address 's and judgements which are not mine. 
this account is not mine and I demand it be removed : WELLS FARGO BANK XXXX ... ...
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (PA)

XXXX/XXXX/16 Consumer Financial Protection Bureau, This is in response to a previous complaint filed with the Consumer Financial Protection Bureau ( Case Number : XXXX ) In this complaint I explained that I was told at the origination of my mortgage that if I paid twice a month it would reduce the number of years that I had to pay from XXXX to XXXX. You can refer to the original complaint noted above for the details. 

I would like to register my extreme dissatisfaction with my response from Wells Fargo as follows : They were required to respond within two weeks. They extended this five times because they were not ready. 

They finally left a message that they had a response and sent me a letter. They made no effort to contact me to explain anything. When I called the person who handled the case she was out for ten days and provided another name. When I called the other name she never returned my call. 

Upon receipt of their letter, they simply said that everything was in order. 

I am confounded that in a complaint such as this that Wells Fargo never interviewed the mortgage broker to find out what his understanding was when he filed the application. 

They indicate 'We were unable to locate any information about bi-monthly payments from when your account was originated. ' The ignorance here is unbelievable. They have been taking bi-monthly payments - how do they think it was set up if it was n't originated at the beginning? 

I am, likewise, confused that they did n't include a copy of the application that I signed because I would like to know where it states that paying twice a month would only yield a shorter mortgage duration by one year. 

They included a Truth-in-Lending statement that was based on a fifteen year mortgage but we contracted for twice a month payments that would reduce the fifteen years - where is there a document that explains this? 

They indicate that Equity Accelerator only would send to Wells Fargo principal in the amount of {$170.00} once a month, not twice a month. Where was this explained? Where did I sign anything indicating that I understood this? 

Their customer service people never documented their files when I called to reflect the end date of the mortgage that I was given. They acknowledge that I called but nothing was documented relative to what they said. What kind of service is this that does n't document the details of a call. 

With every other complaint process that is regulated the complainant is offered a hearing if they disagree - nothing was offered. 

Based on this horrible example of service I can now understand why Wells Fargo has been slammed for their poor service. 

It was a great sacrifice to make payments twice a month and then be told that it only saved one year on the mortgage is inexcusable. 

I am consulting my attorney for the next steps that I plan to initiate. 

XXXX XXXX XXXX Cell XXXX Cc Wells Fargo ( XXXX XXXX )
Consumer complaint received 2021-09-13
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have a loan with CHASE XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2020-10-14
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. (AL)

I sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.
Consumer complaint received 2016-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (CA)

One day, maybe in XXXX or XXXX, I took out a student loan with a bank that was not Wells Fargo ... I never originated a loan with Wells Fargo ... Ive banked there for over 20 years ... Never anywhere else ... Never a loan ... 

I assume Wells Fargo purchased the bank with which I originated the loan. How can Wells Fargo have rights that the originator never had? Wells Fargo, out of the blue one day in XXXX of XXXX, did an offset to my bank account for {$1500.00} for a loan with a bank that would have to go through the legal system to get rights to my bank accountPlus the loan would have originated in XXXX or XXXX so it seems that the statute was up. 

To this day, I do n't know what loan this is about, and when I called Wells Fargo back in XXXX XXXX, I talked to an underwriter named XXXX who was offered no explanation. When I submitted a complaint form, I got a letter from a person identified as XXXX on Wells Fargo parchment letterhead dated XXXX/XXXX/XXXX. She basically states that Wells Fago was within its rights, and still did not tell me the name of the origination bank. 

Wells Fargo put me in duress by taking {$1500.00} of my bank balance and telling me that if I would not agree to a monthly payment plan they could reduce my bank balance by 75 % whenever they please. The scenario was stunning, and has caused me emotional distress. I was intimidated and to this day I feel like Wells Fargo may go into my account for whatever reason they deem acceptable. 

I went to University XXXX
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX-XXXX ), to XXXX XXXX of PROFESSIONAL DEBT MEDIATION, INC. on XX/XX/2021 and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents which they've received on XX/XX/2021 at XXXX pm. In the invoice, there is a due date listed on XX/XX/2021 of {$1000.00} per violation listed and damages of {$2000.00} with a total of {$10000.00}. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I received an email from Capital One that stayed that my credit limit had been decreased because I do not regularly use much of the credit available to me. I checked my account and both of my cards had their limit decreased. I was only notified about XXXX. I called the company and explained to them that I am in the process of refinancing my mortgage and that this could potentially be catastrophic for my personal finance. I reminded them that I have been an account holder for years and never missed a payment. I asked them if there was anything we could do to restore the limit. They said there was nothing I could do. When I asked for details on how the decision was made they told me to read the email that was sent to me.
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

I was a customer of XXXX for a total of 23 years. I moved to a subdivision that doesn't allow a dish. I called XXXX to explain and they said I had to buy out my contract. Again I was with 23 years, I paid my contract. I talked to a manager and he would not drop the buy out. It has been two years and they keep turning it over to a collection agency and it is still affecting my credit score.
Consumer complaint received 2018-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

My debit card was hacked via PayPal several times between XX/XX/XXXX - XX/XX/XXXX with several unauthorized transactions made on my XXXX account. Duplicate accounts were made with my information. When I complained the charges were removed by XXXX. PayPal made unauthorized transactions to my debit card to match the fraudulent charges without my knowledge despite being in recent communication with them. That caused me not to have access to those funds in my checking account for 3-5 business days. 
I called to see why this was done and PayPal refused to give a satisfactory answer. They provided wrong information stating PayPal has never been hacked. They described making the unauthorized transactions as procedure. 
PayPal also denies their role in me being hacked. On XX/XX/XXXX I filed a complaint with the CFPB. Included in that complaint was demands that PayPal provide more information about the hack. I also demanded an explanation as to why my debit card was charged instead of my PayPal account. I also demanded PayPal explain why they chose to make unauthorized transactions to my debit card several times in the amounts I was hacked for without my knowledge. PayPal refused to provide appropriate answers, but instead chose to provide a statement about them having permission because I signed up. I followed up with a demand for a straight answer and PayPal ignored the demand as well as the CFPB. On XX/XX/XXXX my XXXX account was hacked the same way as my XXXX account. XXXX explained that a duplicate account was made using my information and was able to make an unauthorized transaction on my debit card. All of the hacks involved were done while PayPal was my payment option.
Consumer complaint received 2018-06-28
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. (MO)

I'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX XXXXXXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}
Consumer complaint received 2018-06-28
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. (MO)

I'm requesting that the following accounts be blocked from my credit report, I have stated before that I have no knowledge of the accounts and nor was I provided any physical verification of such. If the credit reporting agencies can not fix this situation. I will file suit and sue. The accounts inwhich I'm referring to is XXXX  XXXX for the amounts of {$160.00}, {$140.00}, and {$110.00}
Consumer complaint received 2020-08-21
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: FC HoldCo LLC (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-07-20
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. (GA)

XXXX has a CO on the account in XXXX. I asked for it to be removed since the criteria for a charge off is 180 days. NOTHING was late beyond 60 days, and fully paid at 70 days. 

Instead, Trans Union has added 3 additional months on my credit file.
Consumer complaint received 2018-06-28
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: Cogent Road, Inc. (CA)

This is an issue with hard inquiries on my credit report that I did not authorize. On XX/XX/XXXX an inquiry was made on XXXX by a firm called XXXX XXXX and on XX/XX/XXXX on XXXX by a firm called XXXX XXXX . I have since found out this is the same company. I contacted XXXX I was told to contact XXXX XXXX and they gave me the contact number of XXXX. The representative Stated XXXX XXXX would have to offer a letter to have the inquiry removed. I contacted XXXX XXXX and the woman who answered the phone informed me they were a credit bureau and they didn't pull my credit and some other company did. The woman at XXXX told me they pulled a tri-merge report to all three major credit bureaus and I would have to contact another company who pulled my credit. I did not apply for any credit, I did not authorized any company to run my credit. XXXX XXXX is the entity listed as the institution that pulled my credit. I don't know who XXXX XXXX XXXX is, I have never done any business with them and have never given them permission to make any inquiry on my credit. The only contact information I have is the above listed phone number and location listed as XXXX XXXX, Ca XXXX. Please have XXXX XXXX XXXX remove these hard inquiries.
Consumer complaint received 2020-07-21
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. (MA)

REQUEST FOR FREE XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX  score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax is showing an account still open from a debt collector from a credit that was discharged in Chapter XXXX bankruptcy. I never had any business dealings with the debt collector and and dealings with the credit company who hired the debt collection ended in bankruptcy discharge. It needs to be removed from credit file. I tried contacting XXXX XXXX many times but they will not return my calls.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

False info on credit report XXXX XXXX this has had several errors in XXXX it was repoted as public records it is not disputed and changed and in XXXX it was reported as having payment history which its a closed account and has been no paymenr history i dispured they changed that info and claimed it was verfied as acurate which is a lie its not accurate if its accurate why would that info be changed i have disputed a couple other times for errors as well and stuff has been changed they keep reporting false info affecting score and costing me alot of money in extra intrest rates over the years at this point theres only one way to correct thus problem and its to delete the account from credit report
Consumer complaint received 2020-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC (NJ)

I began XXXX XXXX back in XXXX of 2019 and right after I received my XXXX, I got a call from XXXX, saying I needed to pay for an accountant for the year. At the time, I did not know much about running a business so they sold me on paying for the year. When i told them i couldn't afford their costs, they offered to connect me with Lending Point which would allow me to make monthly payments. 

After a couple of months go by of me paying for this service and NOT using it, i realized I did not need this at all. To this day, I have not used the service once and because I struggled to make the payments in the second half of the year, it has negatively affected my credit score. I really feel like i should not have to pay this debt.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX charges entitled " Purchases prior to XX/XX/2019 ''. 

Alarming note that although I have other accounts with Comenity,  XXXX XXXX is the only entity collecting additional finance charges entitled " Purchases prior to XX/XX/2019 ''. 

I requested an investigation, explanation and refund for " Purchases prior to XX/XX/2019 '' finance charges covering period XXXX, without success..
Consumer complaint received 2020-08-21
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: Experian Information Solutions Inc. (RI)

After submitting my dispute to both experian and XXXX XXXX XXXX XXXX claims they did a fraud investigation and verified a fraudulent item as mine. 

8/2020They sent me a HUGE envelope from their legal counsel XXXX and XXXX XXXX possibly intimidation tactic ) with just pages and pages of this fraud accounts statements mailed to an address I NEVER LIVED AT. How can statements of an account to a fraudulent address be proof?? I am a XXXX veteran and it is a shame to be treated like this. 

XXXX XXXX is continuing to report a fraudulent account to my Experian credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and Experian along with my XXXX FCRA request to block this fraudulent information from my report. XXXX Equifax and Transunion have complied already XXXX. XXXX XXXX is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA. THey are in strict violation of the FCRA and this must be fixed.