davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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: CORELOGIC INC (FL)

I have been disputing wrong and harmful information on my XXXX and XXXX XXXX but it dosnt go any where and Im trying to build my credit and they report to renters on my back round and obtaining a car there is harmful things that make them not want to finance me XXXX and have a good day
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX  violated my 609 rights by reporting incorrect information to Experian regarding my credit profile. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX Auto Fin, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my date of birth, address, names, and employers corrected on my report as this is a violation on my consumer protection rights.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AK)

Not sure how but, I have ended up with over XXXX loans. I feel that I have been " wronged '' when it was XXXX/Navient, I have been over charged with interest and this puts me at a disadvantage in trying to pay back and reflect poorly on my credit.
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (TX)

I have received a number of calls from XXXX regarding the collection of debts against my estranged parents which I have tried to tell the collectors. I assume they think I 'm lying about not knowing the whereabouts of my parents so they have continued to call me. Last week they began calling my husband. I have asked them not to call again and/or told them I do n't have contact information for my parents but they continue to call us.
Consumer complaint received 2022-11-03
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: U.S. BANCORP (FL)

WHEN CHECKING ALL THREE OF MY CREDIT FILES US BANK IS REPORTING INACCURATE AMONG THE THREE CREDIT BUREAUS. VIOLATIONS 15 USC 1681 US BANK IS IN.
Consumer complaint received 2017-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MI)

1. Wh en I make a payment it takes several days for it to process.    2.  By the time it processes, several days of interest have accumulated against the balance the loan was at before the payment was supposed to have posted.    3. G reat Lakes claims to apply my payments to the highest interest earning loan, however, behind the scenes they apply my loans evenly to different tokens, distributing the payment between subsidized and unsubsidized loans. Now, I am enrolled in school part time and eligible for deferment. Had they applied my automatic payments to my unsubsidized loans they would have been gone, now they will accrue interest while I am in school.    4.  We are allowed to allocate extra payments how we like but we are not allowed to allocate automatic payments. We have to use automatic payments to save the quarter percent in interest but in doing so we cost ourselves money by giving up the right to allocate to unsubsidized loans.
Consumer complaint received 2022-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

my mortgage loan was transferred to Mr. cooper XXXX XXXX with my previous lending company, I was in forbearance for 10 months. I requested my account go out of forbearance in XXXX XXXX, after the transfer so I could start making my monthly payments again. Mr. cooper approved me to have the balance due during the 10 months placed on the loans backend and I would resume paying my monthly payments as the were starting XXXX XXXX XXXX XXXX I notice my monthly payment has increased. so I give them a call, here is where a 4 hour phone call started. I called Mr. cooper and through conversation with 2 agents, it was understood that my payment increased due to escrow that was paid while on forbearance. that was fine but the balance that was put on the backend of the loan included escrow throughout those months so why am i paying it twice. NO ONE could give me an answer and sot he multiple transferring commenced that ultimately resulted in XXXX XXXX hanging up on me with no return call back. it seems to they are trying charge for the escrow in the current monthly payments as well as on the backend amount due. CHARGING ME TWICE. no one could rebuttal my logic or explain otherwise. so a adjustment is needed!!
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (AL)

I did not have the most recent Nordstrom account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by COVID, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that Nordstrom credit account is currently 30 days late.
Consumer complaint received 2017-05-09
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: EQUIFAX, INC. (AR)

I am filing a complaint with  XXXX , Equifax, and  XXXX . After multiple attempts through mail, online disputes, and telephone calls I am unable to get unauthorized inquiries off of my credit report. I am sending out a certified letter  one  more time. If this does not work I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someone 's credit is for his firm offering credit, insurance, employment, or court order. With the different glitches that has been happening with the credit companies I feel that my inquire should be removed from my entire credit report.
Consumer complaint received 2020-04-20
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: WHEELS FINANCIAL GROUP, LLC. (NV)

This XXXX XXXX XXXX keep saying its my account and its not I had this problem going on 3yrs. I even called XXXX  and reported for thus company to be removed cause its showing on my credit twice.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

Hi This is XXXX XXXX. JP Morgan Chase Bank always discriminate me getting Amazon Prime Visa Credit Card, recently I have noticed that I have received a call from collection company regarding my sister 's old account of XXXX ( XXXX XXXX ) which was managed by Chase Bank, and they were threatening me that I want to speak XXXX XXXX ( my sister ) about important business matter about settlement of old credit card, and court documents will be sending etc etc., I said, how did you get my number, I am not related to this account, they were keep harassing, this is second time they have called me and I am not related to this account at all. JP Morgan Chase keep banned my house address, credit card offers, and other limits. I have wonderful auto loan payments of two years, wonderful payment history on other cards, never missed any payments, but CHASE is the only company, never send any offers nor they approve any credit cards because of my sister very old account, I know this account has been removed from credit history of sister 's credit profile, but still whole family were banned getting CHASE offers, collection department calling me, my another sister got call for this account and threatening court documents, this is unfair. they have kept secret system blocking my credit history and any offers. I have noticed it since XXXX and after second threatening call from collection, I have analyzed that CHASE discriminating me. I will leave their checking account and Chase Freedom card..I request from CFPB to inquire about this matter and get evidences from CHASE BANK, they can not restrict me based on same address. I am not legally responsible to pay XXXX XXXX old credit card of my sister.
Consumer complaint received 2017-01-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

Ive contacted this company NUMEROUS times over the past several months as well as XXXX recently as of XX/XX/2016 with no response or resolution still and it 's almost a year now to dispute this account. Ive requested for them to send me SIGNATURE verification that I signed for this proclaimed debt on NUMEROUS times only to receive a bill which does NOT prove this to be MY DEBT. This has went WAY past the 30 days limit to prove or delete and this company has done NEITHER even upon MANY MANY request from me for them to do so.
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TCF NATIONAL BANK (IL)

On XXXX XXXX, 2016, I ordered XXXX tickets to an event that was to be held on XXXX XXXX using my TCF Back debit card online through the Dinner Lab website -- no PIN used. I was charged {$180.00} for the transaction. 
On XXXX XXXX, 2016, I received an email from the XXXX XXXX that they were ceasing operations immediately. I responded to the email asking when I could expect credit for the purchase and received a reply of the same text that was sent saying they were out of business. 
I contacted TCF Bank by phone on XXXX XXXX to dispute the charge and was told they would contact the merchant. TCF Bank did n't ask for any of the messages sent or received from XXXX XXXX. 
I have followed up with TCF Bank several times by phone and was told repeatedly that the merchant had until XXXX XXXX, 2016 to respond to them, at which time they would make their determination as to a credit to my checking account. 
As of XXXX XXXX, 2016, I have not received any info from TCF Bank.
Consumer complaint received 2017-05-09
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. (KY)

On XX/XX/XXXX I sent a letter disputing multiple inquiries to All credit reporting agencies including XXXX. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on XX/XX/XXXX. They again resent a letter explaining what a inquiry is. They have failed to respond to two requests now to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.
I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (IL)

I opened a Wells Fargo credit card to transfer my balance from XXXX XXXX. It was suppose to be completed by the XXXX. 

I now have an interest charge of {$80.00} for the balance transfer as well as the amount that ws suppose to be transfered. The problem is the transfer never happened. The entire amount is still on my XXXX XXXX card. So I had to make a payment and now I'll get charged interest which I was trying to avoid. That's why I got the 0 % apr card from We'll Fargo. 

I called them and they don't know what happened so they blamed XXXX XXXX. I then called XXXX XXXX and they said it's Wells Fargo. Finally, I got them on the line together and Wells Fargo can figure out what went wrong. Then they said it may take up to 90 days to figure it out. So I'll be accumulating interest on XXXX XXXX the whole time. They were also suppose to have somebody call me that's supposed to be researching it. I've received no calls. I called them back to speak to the Executive Office Case XXXX XXXX  XXXX Case number XXXX and she did not answer or call me back. 

So now I have 2 accounts and my debt has doubled now. So of course this will now effect my credit score and a I will end up paying an amount of interest I can't calculate. I have no idea what's going on or what they did. They need to take the payment amount I made to XXXX XXXX off the Wells Fargo Card as well deduct the percentage of interest they charged me for the transfer that never happened.
Consumer complaint received 2022-01-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (GA)

Repeated calls more than once daily beginning XXXX/21. Company refuses to detail exactly what I owe and why, tried to say it was my visit but then said it was my child 's. When I asked the manager to email me information so we can get something worked out he raised his voice and began threatening and belittling me, speaking over me without listening to my responses to his questions. 
XXXX XXXX  is the manager whom threatened and belittled me, then refused to provide information I requested to validate the debt. Poof of harassing and threatening behavior can be provided upon request
Consumer complaint received 2021-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

Midland Credit Management INC at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$790.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-11-02
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: FactorTrust, Inc. (CA)

Factor Trust XXXX XXXX XXXX is violating 15 U.S. Code 1611. This organization is also violating 12 CFR 1022.142, by wilfully and knowingly refusing to block adverse information per 605C. 

Factor Trust XXXX XXXX XXXX has chosen to continually use Abusive False and Misleading practices in its DATA FURNISHING of XXXX XXXX, the federally protected consumer 's credit profile. 

XXXX XXXX latese abusive act has tipped the scales of egregious Factor Trust a branch of XXXX claims not to have any record of XXXX XXXX 's XXXX as provided to them, being part of the requirements of 605C dispute process. 

The attached exhibit will prove that XXXX has a record of XXXX XXXX XXXX XXXX XXXX the natural presence credit profile information because they are currently reporting adverse information in his credit profile. It is for that reason we are lodging a complaint, it is for that reason he is seeking remedy for their injury to him.
Consumer complaint received 2016-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

This debt was paid XXXX 2014 to XXXX, CBE group has contacted me twice in the last two years to collect a debit I owed XXXX and paid in full 2 years ago. I went thru my records to find the receipt and date of payment the first time CBE contacted me in XXXX 2014. Now I 've received another notice, but this time they 've added another name to my account, actually they 've added one persons first name with someone else 's last name. Nobodys name was on my XXXX account but mine, and this is a paid account. The second name has my deceased dads first name and my ex husband, of 19years, last name. What kind of scam are they trying?? Collecting on paid accounts and guessing with names being involved that Never was ...
Consumer complaint received 2017-05-09
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. (FL)

According to my most recent credit reports,  XXXX  has reported    XXXX    student loans (   XXXX   federal,   XXXX   private ) as receiving late payments. This is inaccurate.
According to my reports from all   XXXX   credit reporting agencies, I had two pay  ments 90 days late i n  XX/XX/XXXX .  According to the  XXXX  service rep and my account history, this reporting was caused by the system marking me 90-days late as of   XX/XX/XXXX this d  a te is less than six weeks from my leave from  XXXX   XXXX  University, and marking me again as 90 days late on   XX/XX/XXXX t  his  date is less than 90 days from the prior reported date and well before the end of the 6 month grace period that should have been in effect after I left  XXXX   XXXX  University in   XX/XX/XXXX .      These items did not appear on my credit report until this year, which is odd, since they were not reported at the time of alleged late payment. These items furthermore do not match the records in my   XXXX    history. I have made on time, auto-pay payments consistently since I began repayment and have an otherwise perfect payment record. I am not sure why these are reported as late years after the fact.     I sent a dispute letter to  XXXX  on   XX/XX/XXXX .   XXXX  responded that they had investigated and confirmed the accuracy of the report.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have contacted Experian about the name variations on my credit report. My name is XXXX XXXX XXXX. I have only applied for credit under XXXX XXXX or XXXX XXXX XXXX. Experian is reporting the following names : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I want these errors removed off of my Experian credit report.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (UT)

I have been unable to work ( XXXX ) for over 5 years. Over a year ago, Navient began to refuse to work with me on any options for loan repayment/forgiveness. I was forced to go into an income-based repayment plan based on my new husband 's income ( poverty-level ). During the time I was in contact with them ( repeatedly ) to avoid default. During that time, they placed a {$150.00} late fee on me. I have been unable to pay that fee. Due to the way this fee was applied, my loan balance is now over {$11000.00} more than the original balance after a year of repayment. Essentially, they have given me an illegal {$11000.00} late payment fee. I have now absolutely no way to repay my loan over my lifetime.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

A person by the name of XXXX XXXX on XXXX created a post collecting fees for softball league and registration. Collected an amount of {$210.00} from me also gave me all the info correctly telling me the park the games were going to be at, how many games, how the uniforms looked like, etc. as soon as I sent the money I thought everything was okay because he responded back to me with no issues but upon seeing a post that I was not the only one his account was deleted and I was scammed.
Consumer complaint received 2022-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

I called nelnet on XX/XX/XXXX to request a refund of a qualifying payment made in XX/XX/XXXX. ( I made 2 payments that month, I believe only 1 qualifies for the refund ). I was told that this request would take 4-6 weeks to process. 
I called nelnet again on XX/XX/XXXX ( after more than 6 weeks had passed ) and was told there is no way to check the status of my refund, there is not timeframe for refunds being completed, but that I should go ahead and submit my application for the debt relief when the application goes live and that it will not have an affect on my receiving the refund. I submitted my debt relief application on studentaid.gov when it went live. 
Others online are stating they received the opposite information from Nelnet, so now I am concerned I will not receive my refund if the debt relief is processed before the refund is issued. I have not heard any further information from Nelnet, and I have not received my refund.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (NY)

I received a card in the mail and was unsure why. I read on XXXX it could be anything from a promo to government benefits or money owes from previous jobs. I spoke with two people in customer service who were very well coached to not give me any answers except to activate my card or close my account. I said I didn't want to sign up for anything, but didn't want to close the account without knowing if someone was sending me money. They informed me they can't tell me unless I activate the card. I asked if they send promo cards and they would not answer me. I have no idea if I am supposed to activate this card, but it sounds like a scam to get me to sign up and well coached customer service who can only answer questions if I sign up.