davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY (PA)

Paid off home loan to Wells Fargo- in full after 1 year. Trouble getting closing letter, finally received closing letter, checked ok by local attorney. Never contacted by Wells Fargo, sold our home on line after living there seven years! Sheriff came out of nowhere and served us a 48 hour notice! Wells Fargo ordered to pay restitution, wrote us bad checks. Went to a WF office and they were going to look into it, never responded! We call them every year, nothing. They say we dont exist. We have all documents including loan, closing letter, legal order for settlement and BAD CHECKS. Contacted state reps, attorney general, absolutely no help. We have been fighting this 7 years! 
By agreement they reinstated our credit but wiped any evidence of a loan with them from our credit!!
Consumer complaint received 2020-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-01-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc. (TN)

Company and its personnel conveyed unlawful charges and debt obligations to XXXX family that cause harm, stress, and frustration to the general safety and safekeeping of the people apart of the XXXX family
Consumer complaint received 2024-03-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc (VA)

Since XXXX of 2024 I have emailed affirmXXXX XXXX in regards to XXXX XXXX and to remove the accounts in question no response from affirm or XXXX XXXX I have sent numerous emails. I also advised the FTC for XXXX XXXX I also advised all XXXX credit bureaus of XXXX XXXX and disputed multiple accounts, Affirm/XXXX XXXX has not responded nor has removed the fraudulent accounts from my credit reports. I have to this date never heard back from affirm/XXXX XXXX in regards to my disputes and numerous emails regarding accounts being hacked, including my emails, bank acccounts, online accounts, cards. I am not responsible for these accounts that were fraudulently obtained using my personal information.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

There are three ( 3 ) derogatory items on my credit report from XXXX XXXX XXXX reported on XXXX XXXX, 2023 for the following amounts : {$120.00} {$160.00} {$120.00} These are medical debts under {$500.00} these debts Starting in 2023, medical collections tradelines less than {$500.00} should no longer be reported on consumer credit reports. I have asked the credit bureau to delete these debts from my credit report multiple times.
Consumer complaint received 2020-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McNeil & Meyers Asset Management Group, LLC (CA)

In XXXX I co-signed a XXXX XXXX contract with XXXX XXXX XXXX. There was a mis communication with the person I XXXX  out, they were to finish paying off the loan and they did not. XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He told me that XXXX XXXX XXXX XXXX will be serving me with papers by the end of the day and I was being sued for the amount of XXXX but I could pay XXXX to be released of all claims and liabilities. So I paid over the phone and they sent over a letter via XXXX stating I paid in full and I would be released of all liabilities. I also want to mention the bond number associated to the contract I signed with XXXX XXXX XXXX XXXX in XXXX is XXXX. On XX/XX/XXXX I receive a txt msg stating to contact law firm XXXX XXXX XXXX and if I fail to contact them I will be served at my place of employment without my consent. I did contact them they told me I was being sued by XXXX XXXX XXXX XXXX for a sum of XXXX $ or I could settle for XXXX but that is only if I set up payments by the end of the day. Also they told me they saw my payment of {$450.00} and they will put that towards my balance. Immediately I reached out to the finance department for XXXX XXXX XXXX XXXX, where I spoke with XXXX. XXXX told me I wasnt being sued by XXXX XXXX XXXX XXXX and my account went to collections agency Mc Neil & Myer. She also told me to ask the law firm what bond number was on my account on there  end. So I called back XXXX XXXX asked for the bond number they told me it was XXXX, which was different from the contract I signed originally with XXXX XXXX XXXX XXXX. Also they told me the payment I made of {$450.00} I am not the co-signer of that bond. I then asked to speak with the supervisor at XXXX XXXX his name was XXXX. I politely asked XXXX if possible could he send proof that I was the co-signer for the contract they had on file? This is when the supervisor proceeded to yell and tell me he is not sending me anything and he doesnt have to answer any of my questions for I am the one who needs help from him and I should be answering all of his questions. XXXX was being very rude and disrespectful and he repeatedly kept calling me a young lady so I decided to end the call. On XX/XX/XXXX I decided to call the original collections agency Mc Neil and Myer whom XXXX XXXX XXXX XXXX  passed my account to. I finally got in touch with someone from Mc Neil who stated they sold my account to XXXX XXXX and the balance I had was XXXX $ and the bond number was XXXX and not XXXX. After XX/XX/XXXX I was feeling very unsure on how to proceed with this situation, so I decided not to call back the law firm and they have been calling and harassing with txt msgs ever since.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK (CA)

I am writing to express my deep concern and distress regarding a recent interaction with your company. On XX/XX/24, I received a letter from Discover Card company indicating that I had been approved for a credit card. However, shortly thereafter, I discovered that my identity had been compromised, and it appears that your company may be involved. 

Upon receiving the initial letter, I followed the instructions provided and supplied the requested personal information for the credit card application, including my social security number, email address, and home address. Despite the assurance of approval, I was subsequently informed that my application had been rejected. 

This sequence of events raises serious questions about the security measures and integrity of your company 's practices. It appears that my personal information may have been obtained under false pretenses, leading to significant concerns about identity theft and fraud. 

I demand a thorough investigation into this matter and an immediate explanation as to how my personal information was obtained and subsequently misused. Additionally, I request full disclosure of any and all information pertaining to my interactions with your company, including records of communication and actions taken regarding my credit card application.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion, XXXX, & XXXX are reporting an alleged bankruptcy and stated it was verified. I myself reached out to the federal court house clerk of court and they stated that courts do not release any court filings and documents submitted to pacer does not provide enough information to identify any individual because its protected information furthermore neither credit bureau provided me with paperwork that had my signature proving that the bankruptcy filing was indeed mine. This is required under FCRA.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (VA)

Equifax mishandled my information which has led to a breach that puts myself and a bunch of others at risk. I am extremely frustrated with how equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it by social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX # XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Check the attachments below.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

I legally change my name From XXXX XXXX XXXX XXXX to XXXX XXXX and i requested company to update it as well. They requested driver License, Social Security, Bank statements, Proof of the court of name change. Which I provide to them via fax XXXX and also thru their website called Experians Document Upload Service. And the issue was never resolved. I also called Experian Customer service many times. and Im getting transferred all over the place. And they should never get resolved. The only thing that Ill be hearing is wait 72 hours. And after the 72 hours and call back the same answer
Consumer complaint received 2024-02-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The letter dated XX/XX/XXXX, states that " ... in XXXX, due to account mismanagement, Capital One made the decision to terminate the banking relationship. '' and that " the account '' was closed on XX/XX/XXXX. To the best of my knowldege not only I had excellent credit then, but I don't recall ever having a Capital One account prior to XXXX, when I requested, and was issued a credit card. I have called and left detailed messages for XXXX, at extension XXXX, without sucess. I also wrote to Capital One via XXXX, XXXX and XXXX. 
I need a rep from Capital One to do a deep investigation into this matter and find out exactly what kind of mismanagement I did on an account, I never knew I had.

And if I was not in good standing with Capital One since XXXX, why was I issued a credit card in XXXX, but denied an application for a savings account in XXXX when my XXXX XXXX has been and is over XXXX points?? It doesn't make sense. And, Yes, it is frustrating that Capital One will not give me the benefit of the doubt and look into this matter deeper. I don't even want a savings account anymore. I just want for them to explain their XXXX adverse action against me and clear my record.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-05-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kentucky Higher Education Assistance Authority (IL)

My entire federal income tax refund of {$930.00} was garnished after after the law was placed to stop garnishment because of the economic crisis the pandemic has caused. I received a letter from the education department explaining the new law and they still garnished my tax refund.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

This morning I called Firstmark Services to request information on requesting a discharge of my loans. I told them I am a full class member of XXXX XXXX XXXXXXXX and my XXXX loans were recently XXXX due to school misconduct. I asked for any information available on requesting a XXXX  of my private loans. I was told that this is not something that exists for these loans. While I am fully aware that the XXXX  I received is exclusively for XXXX  loans, I disagree that there is no process that exists for requesting a XXXX of my XXXX loans for the same school.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: AES/PHEAA (NV)

I received misinformation regarding co-signer release. I was informed that my cosigner can not be released because I utilized a hardship forbearance. This information was not on any of the loan documents when I originally signed the loan agreement. Nor was I informed when I contacted the loan serviser and steered into a hardship application. 

In XX/XX/XXXX, I applied for private loan cosigner release and was informed that I was ineligible due to utilizing a hardship forbearance. In XX/XX/XXXX, I requested a signed copy of my loan terms and this was not listed as a disqualifying event. 

This is practice is misleading and if I would have known, I would not have done a hardship agreement that would have disqualified my cosigner to be released. 

Also, the funds were directly given to me for use with XXXX XXXX XXXX expenses and XXXX is one of the schools listed in the XXXXXXXX XXXX XXXXXXXX lawsuit.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Stellantis Financial Services US Corp. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NC)

US Auto Sales not sure what date me and my co-signer went to get the vehicle. XXXX XXXX is the consigner on the car. The name of the leasing company is Westlake portfolio. They are charging me money or at least trying to and interfering with my credit because of the car. I wasnt driving the car at the time. XXXX and I was and we got into a car accident and totaled the car. She didnt tell Westlake XXXX I was told from her that an insurance check should be coming to my house which it didnt. I am the licensed driver on the title.
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

I have an account with Chase Bank that has been in delinquent status over 7 years ; however, Chase Bank continues to report that the account is still within the 7 year statue of limitation by moving the last delinquent date of the account to keep the account current for collections. I have attempted on many occasions to get Chase Bank to validate their position on this and they have failed to produce any documentation to support their claim. Please investigate ASAP.Creditor Name : CHASE BANK CARDAccount Number : XXXXAccount Open Date : XXXX/XXXX/2008Account Delinquent Date : XXXX/XXXX/2008
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc. (GA)

XXXX and Innovis continues to report incorrect information on my consumer report. My name is XXXX XXXX XXXX there should be no other name variations on my consumer report and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is incorrect and should be immediately removed. XXXX is required under FCRA to report accurate information or face penalties.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (GA)

LexisNexis and XXXX continues to report incorrect information on my consumer report. My name is XXXX XXXX XXXX there should be no other name variations on my consumer report and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is incorrect and should be immediately removed. LexisNexis is required under FCRA to report accurate information or face penalties.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report that is causing confusion with my identity and mailing address. 

To put an end to the misconception my name is XXXX XXXX XXXX there should be no other spellings or variations of my name on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my report because these would be considered non mailing addresses and would cause a delay in me receiving my mail which is a federal crime. 

The credit bureaus are required to report 100 % accuracy are face penalties for each inaccuracy.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kohn Law Firm S.C. (IL)

Kohn claims to own a very old debt that was previously held by XXXX. Kohn claims my most recent payment was in 2019. No facts in evidence support existence of any such payment. Kohn relied upon false claim that 2019 payment was made, despite knowing it to be false, and threatened bad-faith lawsuit.
Consumer complaint received 2023-07-04
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. (FL)

in accordance with the fair credit reporting act. The List of account below has violated my federally protected consumer rights to private and confidentiality under USC 1681. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-01
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. (NY)

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon.
Consumer complaint received 2017-09-09
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)

Equifax released my information without my consent to a 3rd party on XX/XX/XXXX and did not divulge to me that it was given out until early XX/XX/XXXX.