davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

This company called XXXX is reporting erroneous information on my credit report. The information they provide month after month is unverifiable and misleading. I have disputed several time with the same results. Verified by furnisher. Experian is the only credit bureau still reporting this incorrect unverifiable information. XXXX and XXXX  removed this after investigating my dispute. The company has several misleading details about my account. For starters they have the monthly payment wrong and the terms of the agreement as 185 months. Thats over 15 years on a 2000 model vehicle that was sold without notification of when and where. Mortgage payments are 15 + years. This is unverifiable and damaging to my life.
Consumer complaint received 2016-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I have requested my credit report many times and Equifax does not comply with my request. I mailed it identification information but still no response. Third parties are being able to see my personal information because Equifax has my information mixed with that of another person. Ca n't get my mortage loan approved because Equifax is reporting the wrong information. This issue has been on going for more than two years. My information dkeeps being mixed with someone else 's
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

This co. chose to take on an account that they were lied to about stating that it was in collections. They bought the account but never ever contacted me to tell me it was in collections. They just decided to place it on my credit without my knowledge. Now it's time to rectify the error they made and remove it. I didn't know this was on my credit until I got a copy of my report based on another dispute.
Consumer complaint received 2018-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

XXXX XXXX is showing two missed payments on my Equifax credit report. I never made a missed payment. I went directly to XXXX XXXX and they say they are not reporting the missed payments and they would contact equifax and let them know its an error. I didputed the error and Equifax said it was verified as accurate. A simple phone call to XXXX XXXX   would clear this up. I'm sure no investigation ever took place. This erroneous misleading information is negatively effecting my life. I cant get credit and when i do try I'm charged higher intrest rates for an error that should have been properly investigated. This violates my rights as a consumer and is highly unacceptable.
Consumer complaint received 2016-09-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have been persistent in stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. FCRA states that I have a right to KNOW who is the party that has provided this negative information. It is my understanding that this is against FCRA, FCBA and the Public Record Act. The Bankruptcy Court has confirmed that they did not verify as it was stated by the agency. The credit agencies have stated I can no longer challenge this negative entry which is against Consumer Debt Law. This discrepancy has prevented me in my personal life 's pursuit and I am asking the CFPB please advocate for me in this challenge.
Consumer complaint received 2021-11-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I Have Been Contacting XXXX, Equifax And XXXX Since XXXX XXXX About Fraudulent And Inaccurate Information Reporting On My Credit Report. I Have Also Filed A XXXX Report And I Am No where Closer To Getting Any Results Now Than When I First Started Out.
Consumer complaint received 2018-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vanguard Financial Services, Inc. (VA)

Vanguard reporting a unkown debt they claim I own to XXXX and refuse to validate this debt. They are reporting the account twice for the same amount.I have tried to resolve this by phone poor customer service over the phone sent dispute certified but no response from them.
Consumer complaint received 2016-07-29
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: KEYCORP (OH)

I do n't understand why each time I use the drive-thru service, the waiting time is greater than 20 minutes and longer. This happens even if I am the only one in line or not. I witnessed so many vehicles leave after waiting so long. Customer services is so poor. I push the button for service and have been told the line inside is too long and I have to wait. The wait is too long. Please help the customers in the drive-thru line with this on-going problem. Thank you.
Consumer complaint received 2021-04-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

XXXX-Speedy Cash have claimed that I filed a payday loan in the amount of {$300.00} with their office. I filed a dispute through XXXX  to dispute this as this account is not mine and stated I have no knowledge of the account. They denied my dispute and then reopened the account with a new debt collector showing I opened the pay day loan in XXXX which is again not my account and the original debt was showing opened in XXXX. 

I want this account removed from all 3 credit reports immediately.
Consumer complaint received 2016-04-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Healthcare Management, LLC (CO)

I am financially struggling. I called and offered to pay XXXX dollars a month towards my debt until I could get back up on my feet. A-1 refused to take my payment and said they would be garnishing my wages. He even said he would sleep just fine at night knowing I would n't be able to eat if he garnished my wages.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (IN)

Today, I was issued a XXXX that I did not approve This has happened to me more than once Usually, I just pay it, but I just was released from the hospital and can not afford this Please take this charge off I 'll close the account after this is satisfied, and there 'll be no more problems Any questions, please notify me on my email account Thank you in advance for correcting this XXXX XXXX email ; XXXX
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (GA)

I checked my credit reports and see an item from a debt collector called Enhanced Recovery Company for the amount of {$450.00}. They list the initial owner of the debt as XXXX XXXX XXXX whom I have not been in contact with for 7 years. I contacted Enhanced Recovery by mail and asked them to verify the debt, who was owed, original date, their right to collect. Instead of responding to me they put the " open date '' on my credit reports as XX/XX/XXXX suggesting that 's the age of the supposed delinquency instead of my last contact with XXXX XXXX XXXX in XX/XX/XXXX. I want them to follow the FCRA and remove that line item on my credit report ( from all XXXX CRA ).
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I have a current auto loan with XXXX, which i pay every month and still own vehicle, Equifax keeps putting the loan into a closed status with an outstanding balance on my credit report after several dispute attempts, their response is that is the information they received from XXXX, I called XXXX and they never reported account closed, which XXXX and XXXX show the correct account information on my reports with them, Thanks for any assistance with this matter.
Consumer complaint received 2015-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (CA)

SENECA MORTGAGE refuses to contact me and wo n't pick up there phone there is NO ONE to talk to. They are charging me XXXX $ a month for EARTHQUAKE insurance. I HAVE EARTHQUAKE INSURANCE!!!!!! I HAVE SENT PROOF XXXX THEY ARE STEALING FROM ME.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NC)

XX/XX/XXXX I received an Zelle email saying that a customer sent me {$400.00} for a product I was selling but Zelle said my account need to be a business account in order for me to receive the money and that the customer had to send another {$400.00} to make my account into a business account adding up to {$800.00} but I had to refund another {$400.00} to receive the {$800.00} after verification but never did.
Consumer complaint received 2016-08-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (NY)

I received a letter from Wells Fargo saying that the volume of activity on my account was suspicious and if it continued they would close my account. I stopped using the card the day I received the letter, but they still closed my account. I would like for the account to be reopened.
Consumer complaint received 2016-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (SD)

I always try to be conscientious about my payments. In XXXX I made my XXXX payment. A few days later I made my XXXX payment. Because it was before the bank statement cutoff they applied my second XXXX payment to principal. Now that it is XXXX I received a delinquency letter. I pulled my payment history and took it to Wells Fargo and went over it with a personal banker. She called the student loan division and they told her because I made my payment before the statement cutoff they applied it to principal. Since I made this through Wells Fargo there was no way to indicate where to post the payment so they used their judgement. They refuse to fix this problem and wo n't apply the payment correctly. In the mean time I have had to make an extra payment. Now I show a delinquent payment when in fact I did not have XXXX. They should not be allowed to charge delinquent fees nor report to a reporting agency when in fact they are at fault not the consumer
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

I was behind XXXX mortgage payments with Wells Fargo. We successfully completed a loan modification and rolled the XXXX payments into the new agreement. In the mean time Wells Fargo took the amount of the XXXX payments from my credit union account without my without my knowledge nor permission. Simply put, they are taking these payments twice. This action has led to numerous overdrafts and fees as well as leaving me with no money. Wells Fargo has promised to rectify this situation daily since last week. As of XXXX EDT today ( XX/XX/2016 ) no resolution. Please Help! 
Respectfully submitted,
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Hodosh, Lyon & Hammer, PC (RI)

20 years ago, while attending college I opened some credit cards. Last year I purchased a home, and resolved all credit issues at that time. Since then, I have been receiving numerous mailings from random collection agencies. 
Upon arriving at work today, a coworker signed paperwork from a constable to garnish my wages. 
I called the Attorneys representing the collector, whom in my opinion are actually collection agencies! I believe this is harassment and I 'm so upset, that I can not perform my work today. 
the harassing attorneys office is HODOSH LYON & HAMMER LTD, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Credit Card issued me a credit card i believe back in XX/XX/XXXX. I have been using that card recently. I have a XXXX credit limit. Recently I was unable to use the credit card for a purchase and contacted the number on the back of the card. When I spoke to the representative at Wells Fargo Credit Card he said that They extended me credit this past month because I am a valued customer who makes their monthly payment on time and overtime. So because I am a " valued '' customer they gave me more money then my contractual {$5000.00}. they did this without warning me or notifying me what was happening. Now they claim that I have until XX/XX/XXXX to pay the overlimit fee and my monthly payment of {$100.00} This amount comes to {$880.00}. I do not understand why they extended me credit when I did ; t ask for it. I expect that if I go over my limit I am going to be declined at the register. Why was I not declined and or notified and why am I being punished now by having to pay the whole amount back within a month. I do n't care if they think I am a good customer or not, should n't it be my decision if I want more credit? Where are my rights? Am I XXXX by Wells Fargo? Please help! Thanks.
Consumer complaint received 2015-07-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (PA)

I have a student loan with Wells Fargo. I tried to set up automatic payments greater than the required monthly amount and was told that Wells Fargo does not offer that option. I was advised that I should set up an automatic payment from my bank account and the additional payments would be applied to principal ( as I believe they should be ). The first automatic bill pay from my checking account was made to my student loan with Wells Fargo on XXXX XXXX, 2015 for {$50.00} and the full amount was applied to interest. On the surface to me, this seems like an unfair and deceptive practice on behalf of Wells Fargo. Additionally, the Wells Fargo student loan website ( https : //www.wellsfargo.com/help/faqs/student-loans ) notes customer serivce times of M-F as well as Saturday, but when you call on Saturday you are told to call back during regular business hours between M-F.
Consumer complaint received 2015-11-17
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (AL)

On, XXXX XXXX, 2015, I sent {$100.00} to XXXX XXXX who was in XXXX atthe time. He did not have the proper identification required to collect thefunds that I sent him. 
I was told by Western Union to cancel the transaction. The transactionwas successfully cancelled by Western Union on XXXX XXXX, 2015. However, Ihave yet to receive a credit on my XXXX debit card issued by XXXX XXXX XXXX.
Consumer complaint received 2021-11-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Hey My name is XXXX XXXX XXXX and on XX/XX/2021 I sent in a dispute with TransUnion. is has been well over 30 days and I have yet to receive my reinvestigation results. at this point, I feel that I am being taken advantage of this especially by them reporting these items it's making it hard for me to obtain credit. I am trying t buy a home and TransUnion not doing their jobs it's making the process hard on me. I'm really to the point where I'm looking to file a suit against this company. I am asking that you guys please resolve this issue ASAP.
Consumer complaint received 2022-10-03
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. (MS)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (KY)

I am behind on mortgage payments due to medical reasons. I applied for assistance from my loan servicer Seterus. My mortgage account was charged ( XXXX ) in legal fees seven days after submitting application for assistance. The following month I was served foreclosure papers. I feel Seterus is in violation of The Dodd Frank Act.
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

THESE MEDICAL ACCOUNTS ARE INCORRECT. I HAVE HAD MEDICAL INSURANCE ALWAYS. IMPROPER FILING ON ACCOUNT. THESE ARE ALSO SHOWING FROM 2010 WHICH IS ALMOST 6 YRS. I HAVE CONTACTED THESE ACCOUNTS IN THE PAST AND GAVE ALL INSURANCE INFORMATION. BUT IS STILL SHOWING IN CREDIT REPORT AND IS DAMAGING MY RATING. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

EQUIFAX refuses to correct missing information from my file. I have XXXX accounts with XXXX XXXX XXXX yet they only report XXXX. In addition, they have reinserted an incorrect version of my name and an incorrect address as well as deleted numerous accounts with an excellent history. I believe this was done to " punish '' me for my repeated requests for correction of information as well as my previous complaints against them with the CFPB.
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (TX)

XX/XX/2021 they spoofed the number to where it made it look like it was from a legitimate company from where I live. I know this because the number they called from did not match the number they left on the voice-mail the number left on the voice-mail was XXXX thank you
Consumer complaint received 2022-10-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and 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 2017-01-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MO)

I have a car loan with Well Fargo Auto. They call me and my wife sometimes up to two times a day for each of us looking for our payment. We are not behind and pay out bill with extra every month. You talk to one of their reps and the next day they call you again after you talked to them or someone with the same names. I do n't feel that they should be able to harass you like this on a daily basis, when in fact we make our payment each month.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bepensa Capital, Inc. (IN)

the previously complaint that was submitted on XX/XX/28 addressed a new issue after the arbtration was over. This is a new matter and I demand the accounting on this account to prove that I was late. This was reported on XX/XX/28 on my consumer report which allows me under 15 USA 1666 correction of billing wear as a consumer to request the account ledgers to investigate my account.

If you fail to do so I can refile a new case under this statue since this matter has happened after the fact.

Please provide me the accounting ledgers as I have reasons to believe and do so believe that there is a NEW billing error I will not hesitate to reach out to the Attorney General and the IRS to audit this account or whoever to get this matter resolve.
Consumer complaint received 2018-05-30
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. (IL)

My life has been turned upside down.

Last year on XX/XX/2017, I notified Trans Union of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.