davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
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: Experian Information Solutions Inc. (IL)

In  XXXX  of  XXXX  I opened a  XXXX  account, with the hope of building my credit. I paid the {$30.00} fee and ordered  XXXX  item. However, there were delivery issues and the item was returned by the post office. Thus, my account still had a {$0.00} balance.     So, I tried again, ordering a smaller item and unfortunately, I had the same issue with the item be undeliverable and sent back to  XXXX . After the second attempt, I was given my {$30.00} enrollment fee back and closed my account.     Fast Forward to  XXXX  and the harassing collection calls begin.  XXXX  was contacting me, stating I owed {$100.00} in interest only charges. I spoke to the billing department an d 3-4 pe ople over the course o f 5-6  months ( beginning  XXXX   XXXX   ) a nd they all confirmed that I did not owe any charges, as I never purchased an item and the mistake would be corrected and the calls stopped.     The calls did stop, for a while ; however, my credit report still showed a {$100.00} balance and 30 day delinquency on the balance. So, I reached out to  XXXX  's credit department and they agreed that my report was in error and promised to update it. After two months, I reached out to the again, because although   XXXX   showed the account as closed, it still showed a {$100.00} high balance. Experian shows no balance, but a 30 day delinquency and not closed. Experian shows a {$100.00} high balance and not closed.     I have disputed this information with all  XXXX  creditors and the account was " verified '' ; however, this info is incorrect.     I have talked to  XXXX  and they claim my account was deleted on all  XXXX  bureaus, but as of today, it still stands.
Consumer complaint received 2017-04-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bliksum, LLC (CA)

i had a pay day loan with a company called loan me. the interest rate was 200 % because of my poor credit rating. i borrowed {$2500.00}. i had paid over {$3000.00} back on the loan then was not working for a period of time and the loan went to a collection agency. i got repeated phone calls from the agency ( XXXX XXXX XXXX ) stating that if i did not contact them that they would notify law enforcement. they also contacted my wife, sisters in laws, brother in laws, parents and even friends of friends. i finally called them back and told them to remove all phone numbers and stop contacting everyone except myself however even after that phone call they still continued to call. when i called them back to complain they again stated that if i did not come up with a way to pay back the debt they would persue legal action against me. i told them i could not pay back the full amount in a one lump sum of over {$8000.00}. I said i could do bi monthly payments in which i am paying now at {$500.00} every two weeks. however i only agreed to pay because of the threats for legal action. they also told that to all the friends of mine they called that if I didnt contact them then legal action would be taking. i feel this is a violation of my rights and feel they were in the wrong for contacting people other than myself the only person on the original loan. i feel i should not have to pay any of the remaining debt due to the harassment
Consumer complaint received 2023-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TN)

Hello. We are victims of wire transfer fraud for down payment on a home. Our mortgage lender sent us fraudulent wire transfer instructions to make a down payment of $ XXXX. We sent two wire transfers to a Chase bank account for a person that was imitating a title lawyer. We have reported the wire fraud to our banks and Chase as the receiving bank account and opened a police report. We want Chase to take action against our claim immediately.
Consumer complaint received 2017-09-26
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AES/PHEAA (FL)

Ive requested that AES/NCT stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with National Collegiate Trust If NCT holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

National Collegiate bought and securitized student loans. These securitized notes were then sold to debt investors. National Collegiate then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

National Collegiate also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, NCT does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by National Collegiate and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following AES/NCT accounts removed from my credit report : AES/XXXX Bank account number XXXX. 
AES/NCT - account number XXXX. 
AES/NCT - account number XXXX.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Neon Newco Corporation (OH)

On XX/XX/23, I made a purchase for {$180.00} from PayPal XXXX which posted on XX/XX/23. I returned the item on XX/XX/23 and issued a refund of {$180.00} on XX/XX/23 by PayPal XXXX. Instead of giving a refund this wonderful company charged my card again. Now I am out a total of {$360.00} which this company has fraudulently taken from me. I called immediately and spoke with overseas agent you first could not understand who said that nothing they could do. I am now escalating to governmental agency to get my money back as this is FRAUD
Consumer complaint received 2022-09-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My private property at XXXX XXXX XXXX was locks where changed without my permission, my private personal property where destroyed and stolen. I hold no contract with well fargo as there claims are fictions as a Promissory Note can not be sold or assumed as a Promissory Note in accordance to the 1882 Bills Of Exchange Act, which considered a Promissory Note to be the same as cash, This Debt has been paid in full to XXXX XXXX XXXX XXXX on XX/XX/2020, the debt of Exchange has been signed sealed and delivered, in private to XXXX XXXX XXXX XXXX so what Wells Fargo is doing is fraud against my Estate. It'd also not fair that the cfpb and nysag sits backs and does nothing.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I had an XXXX on XXXX 2014. While being transported to the hospital, I did inform them that I am a XXXX Veteran, whom has VA insurance and please bill them. After leaving the hospital I found out that they billed XXXX instead of the VA leaving me with the 20 % or around {$45000.00}. My responsibility.bi tracked down the hospital business manager and explain that and even asked them yto resubmit the bills to the VA for full payments, but they have not done anything about it. Causing me to get hit with so many medical bills that have ended up with collection company and have destroyed my credit score. What should I do? Please advise ASAP and thank you in advance.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

My credit reports shows that I lived at, XXXX XXXX at XXXXHowever, at that time I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. XXXX XXXX XXXX Apartments ) XXXX XXXX XXXX XXXX, Alabama XXXX phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Alabama XXXX phone number XXXXWill you please look into this matter for me.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DE)

Mortgage Account Duplicated on Report, Duplicate is Zero 'd out Sums, and posted a negative hit to my credit rating, there have been Letter Requested to up date, However Equifax Has not responded, XXXX Has corrected the initial issue. 

XXXX Accounts are the same Account #, Also The Reporting is out of date, Attached as well is latest information from the Mortgage Company on what I owe, XXXX, XXXX, and XXXX are all already paid. XXXX paid on XXXX, XXXX Will Be Similar as will be paid last week XX/XX/XXXX.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC. (TN)

The following credit inquiries are on my credit report and I did NOT authorize these companies to do the inquiry. 
EQUIFAX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXXI want these inquiries removed and my credit score adjusted.
Consumer complaint received 2017-03-23
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX I tried to order all XXXX credit reports from the annual free site. I was able to obtain XXXX and XXXX ; however, Equifax stated my report was " unavailable '' and I would need to order by mail, which would take 15 days or more ... I do not understand why Equifax does not have to adhere to the same rules as the other XXXX agencies regarding the securing of my credit report online. On XX/XX/XXXX, I tried several times to obtain this report by calling the number listed on the website. After 5 calls, and numerous jumps through hoops, I was able to order the Equifax report via phone. However, apparently it will still take the same amount of time to receive the report by mail. This is a HUGE inconvenience to me as my husband and we have spent almost 3 months trying to refinance our mortgage while the interest rates were lower. On XX/XX/XXXX, my husband received an email from our mortgage company stating everything was great except one dispute. The dispute is question was supposed to have been dismissed long ago. Since the dispute did not show up on XXXX or XXXX it can only be on the Equifax report. This is creating a very difficult situation for us, and in my humble opinion, Equifax is committing fraud in that they are one of XXXX credit reporting agencies that are bound by Federal law to release a consumer report via online, as the other XXXX agencies do. In short, Equifax is bound, but not in compliance with the Federal Law, and is creating a severe hardship on my husband and myself, as time is of the essence. In addition, I am of the belief that Equifax adheres to this practice in order to force the individual that is in serious need of the report to order from their own ( Equifax ) website for the initial low cost of " {$4.00} and then {$19.00} every month ... '' I even started to do that, however, why should I have to pay for something that I should be able to acquire for free? I am now wondering if the particular disputing company is in collusion with Equifax and I intend to research that possibility further. Please force Equifax to adhere to the same rules as the other XXXX agencies and allow consumers to obtain their credit reports online without a long wait, as this is really a grounds for a consumer lawsuit against Equifax, if they continue to practice business in this manner. Sincerely, XXXX
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

XXXX XXXX has been reporting active accounts on Equifax that I have open collections, these where paid 4years ago and I have sense claimed bankruptcy. They should be reported as closed. They had previously done this than reopened for no reason as I believe they are scamming people to profit.
Consumer complaint received 2016-06-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC. (IN)

I received a pay day loan in XX/XX/XXXX. Due to circumstances at that time I was unable to pay it back. A collection agency called my daughter 's phone on Thursday XXXX/XXXX/XXXX and left a message stating " they are coming to my house and to my work to drop off paperwork about this overdue debt ''. they stated " failure to sign for these papers could cause a failure to appear '' and they ended the call by saying " good luck ''. I called the number and spoke to XXXX XXXX which I 'm sure is an alias. She spoke very fast and requested a payment of {$670.00} within 24 hours and if I did not pay that amount would demand payment of double. {$200.00} every other week for the next 3 months is what she told me I would have to pay. I stated to her that I do n't have that kind of money. I would speak with my mother for help. Which I did, but when I spoke to my mother she asked questions that I failed to ask Sue on Thursday XXXX/XXXX/XXXX. Sue called back on Friday XXXX/XXXX/XXXX during my work hours and left a message. She called on Saturday XXXX/XXXX/XXXX and left another message. She called my daughter 's phone again today Monday XXXX/XXXX/XXXX. I work during the day so I ca n't answer the phone every time someone calls me. I called Sue back before the timeframe of noon like she stated I had to return her call. I asked if I could have a copy of the loan information mailed to me before I made any payments. the year is now XX/XX/XXXX and the loan is from XX/XX/XXXX. Sue did not like that at all, her mood went from positive to negative in seconds. She raised her voice, her tone was aggressive, she talked over me, made statements that were untrue. I felt she was threatening and harassing. She said I made a verbal agreement and that I admitted to the debt. She refused to send me anything. She said contact the original lender for paperwork I questioned why she is refusing since her collection company is the place requesting the payment. She still refused. She also refused to give me the address and name of the legal courier company that was threatening to show up at my work. She even said they went to my previous address but could not tell when they did. She avoided answering any of my questions. I asked who she worked for and all she said was del-ray?? She refused to give the address of del-ray. The phone number that they are calling from comes up as un-known caller so I was only trying to protect myself. I told her I wanted to work with them and that was not good enough she stated she was going to proceed with a lawsuit. I said that she was bullying me and the call ended
Consumer complaint received 2015-09-21
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: High Point Asset Inc (FL)

I got a call from High Point Assest, Inc on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX. These same people have been calling my family, in particular, my XXXX year old mother who wants to give them money my behalf. All of my payday loans were paid years ago. I received a letter via email but not U.S. mail. 

These are people who change their names and identities. This should be criminal. I had payday loans during the down fall until I could pick up a XXXX job. 

I believe I am going to create a script to possibly scare them as much as they are scarring my family.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Equifax previously made changes to this account and without merit, please see the associated case number. 

Equifax is making changes to my credit report without any trace-ability, and failing to publish or notify me of their decision to continually and manually, update my record. 

As a result of Equifax updating this account, the ACCOUNT TYPE has become inaccurate. 

1. This is a XXXX XXXX - XXXX Account - Credit Card. 
2. Equifax updated this to be a XXXX Card, and with no substantiation3. Attached is the screen shot of the before, and then after state of this account4. Changes ( including changes to text and the account type XXXX have been made by Equifax1. Equifax, please revert this account back to it accurate assignment for the ACCOUNT TYPE2. Any Changes to this record, please respond in line with FCRA and send me by way of XXXX XXXX Mail, such results/reasons for your change.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I am on XXXX looking at my credit report from you and there are multiple mistakes but it 's not allowing need to dispute anything through XXXX so then I went to your website and I still ca n't dispute it because I do n't have a credit report number so this is why I 'm contacting you on here. 

First there are XXXX accounts with XXXX both accounts have clearly been compromised there are multiple transactions that are fraudulent the account should be closed immediately and a fraud investigation begun I should not be over my credit limit I should not be past due XXXX XXXX accounts closed in to stop reporting the negative information that does not belong to me XXXX of them has a balance of {$5800.00} the other XXXX has a balance of {$1900.00} XXXX account says that it 's closed has an amount due a {$5200.00} absolutely no knowledge of this account this account never belong to me I do n't know where it came from like it was open back in XX/XX/2014 but again I have no knowledge of this account XXXX closed account balance {$1500.00} again I have no knowledge of this account this was clearly open front and XXXX and I am unaware of the account
Consumer complaint received 2023-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is allowing a merchant and their employees to rob me of {$3600.00}. I liquidated some of my IRA to pay off the fraudulent transaction in an attempt to prevent further damage to my perfect credit. 

On top of that wells fargo is trying to profit on the interest earned during the 1 year period I have been fighting this fraudulent charge. Any gap in fighting this transaction with wells is due to their complete inability to be of any help or at a minimum provide some type of customer service. During any " gap '' in me fighting this I have been reaching out to the merchant, XXXX police ( who told me this is Wells issue and did nothing ), XXXX XXXX XXXX XXXX, the FTC, and the CFPB. 

This is causing serious harm to my credit score, caused harm to my retirement accounts, and is causing me general financial harm. I have provided a recount and explanation of the scam, an example of forgery of my signature on a receipt provided by merchant, proof of my time at merchant, examples of XXXX reviews of the merchant where pricing matches what I am stating in my explanation of fraud, examples of XXXX customer reviews where other customers complain of being scammed in a similar way. Yet wells claims I have not provided any information to dispute the transaction. They claim they cant help me because I signed the double charge receipt. THAT WAS THE SCAM. I was in a VIP room and being told I still owed for the time I agreed to because the bank came back and blocked the transaction. I was told I should have a text saying the transactions were blocked and I need to accept them. I did so naively I fell for it. What was I supposed to do? Fight my way out of the club? 

The merchant is flat out robbing me and all wells needs to do is reverse the transaction to protect my finances and credit. This is their responsibility as a lender. 

I have been a customer for over 10 years. In that time I have hed multiple credit cards, a line of credit, and accounts all used perfectly. 

I refuse to be victimized by this XXXX merchant and your XXXX bank. I will dispute this transaction daily until Im given justice.
Consumer complaint received 2017-03-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Optimum Outcomes, Inc. (TX)

Optimum Outcomes has been reporting a fraudulent collection on my credit reports. I have a fraud alert on my credit reports. I have never received any communication from Optimum Outcomes. I only found out about this collection from reviewing my credit reports. Optimum Outcomes continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints against Optimum Outcomes with the TX Attorney General, the BBB and the NC Attorney General. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have X 's so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX & NC Attorney General offices.
Consumer complaint received 2016-11-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VEROS CREDIT, LLC. (CA)

I signed for a 4 year auto loan in XXXX 2014 with an interest rate of 23.99. My monthly payments were {$360.00}, however recently for the past 6 months my payments jumped to {$390.00}. I have NEVER missed a payment or have I ever been late. I do not understand their explanation as to why my payments went up, even though I have full coverage insurance they are still charging g me their insurance fees. I 'm very confused and want my case looked at.