davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (TX)

I filed a complaint before on this same issue and just got the latest response. Their response finally acknowledges that he was not authorized on the account and the multiple court documents crafted, signed, and submitted for them. However, it claims that I gave him permission to use the extra card that he ordered from them without my knowledge. Really, Wells Fargo? I found out about such a card when he took it as he took a couple of other things ( including money that was legally solely mine out of a Wells Fargo account after Wells Fargo had been informed that he was not an authorized person and Social Security had also made the same determination ). I reported the thefts to the local police. They were not sure how to respond because of the federal element ( social security ) and directed that the court would determine response. The court did. He stole those things. I am not to be held responsible or liable for them in any way ( held harmless ). He must make restitution for what was taken / fraud. All of this ( police report, court documents ) have already been given to Wells Fargo. They know that I did not hand him a credit card and tell him to use it after removing him from all of the accounts and calling the police on him. They gave it to him without my permission ( just like the cash he also took from their account ), in fact after being explicitly informed not to, and he absconded using it. As soon as I found out, I reported it, and they have continued to pull one excuse after another from a pre-set list, often rotating them, on why they won't fix the issue. And excuse after excuse doesn't hold water, is illogical, is countered by documentation, is countered by courts. So they can try again here. I've already shown that he was not authorized, that literal theft and related crime was committed. If they want to claim that I still somehow told him to use this credit card, then they need to prove it ( because it's axiomatic and documented that I did not ). Find another, better excuse, Wells Fargo.
Consumer complaint received 2021-04-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I believe that they have failed to correctly apply my payment to principal and interest. I do not believe my interest has been calculated correctly. 

They do not accurately list how much I still owe on the original principal amount. They do not provide an accounting of how much I have paid in interest in total. 

They refused to allow me to release my co-signor when I applied, even though I met the requirements.
Consumer complaint received 2021-04-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MO)

I was applying for a home equity loan at USBank. The process was fine until the appraisal by XXXX. They did a drive by appraisal. XX/XX/2021. Took pictures outside only. My complaint is with both USBank and XXXX  appraisals. I asked when did it become common practice to do a drive by appraisal? Only durring the pandemic is this acceptable. I ask how can you get an accurate appraisal of the house from outside only. I asked about all updates done on the inside of the house and i was told that does not matter. The person escalated to his supervisor and they said because of time and cost they dont want to do anything on the inside of the house. Just get the process faster. I said that is very questionable and now i am here. I feel Usbank and XXXX have not honored the value of my house and under-appraised the value of my house. I do have all lender agreements and the appraisal report if needed.
Consumer complaint received 2020-04-27
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. (IN)

XXXX XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.
Consumer complaint received 2020-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX is showing my student loan account 60 days past due in XX/XX/XXXX. An administrative forbearance was granted and backdated to XX/XX/XXXX followed by the disaster forbearance. The account should not be showing past due with a back-dated forbearance.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint serves as more evidence that TRANSUNION never conducted an investigation into any of my disputes, and continues to violate Section 623 ( b ) ( 1 ) of the FCRA.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have spoken to representatives and supervisors and the calls disconnect with no help at all. I have mailed in disputes for the 4 collections on my credit report XXXX XXXX XXXX XXXX with Equifax and they keep saying they haven't received them and this is my second time doing a dispute in writing. The information they have on my report is not accurate and needs to be deleted. My next step is to go forward with a lawyer if need be to make sure my credit is accurate and make it known publicly that Equifax is a fraud company that keeps inaccurate information and provide no help to people like me.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.
Consumer complaint received 2021-04-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GEMINI CAPITAL GROUP, LLC (CO)

In XXXX Gemini Capital Group , LLC filed Motion with XXXX XXXX XXXX for garnishment of my income for a repossessed vehicle from XXXX. I've been on XXXX since about XXXX. The same Gemini Capitol Group has filed Motion for Revival of Judgment again. Nothing has changed in my living status. I'm still on XXXX and can't believe the predatory nature of this company to do this to me again. I don't believe they can garnish my income from my bank deposits every month from Social Security. What are they wanting to do to me, ruin my credit? I have no vehicle and my credit will not allow me to finance another vehicle. They add more stress in my life with a total income of about {$18000.00} yearly that is very predatory nature of this company and what is going on in America
Consumer complaint received 2024-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (FL)

Credit Control LLC, emailed me today to collect money on behalf of Resurgent/ XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . This account was written off and was deleted from my credit report. These agencies are becoming a nuisance and I am ready to sue.
Consumer complaint received 2021-10-26
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-27
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. (GA)

I submitted a complaint against XXXX  on the CFPB Website on XX/XX/XXXX The Response I received from Equifax did not address my issue. I expect that a human review this complaint and the account with care and do not send me canned computer generated responses that do not address my issue Equifax has removed a derogatory false account from my credit report twice as I requested by sending proper documentation. Equifax keep putting the account back on my credit without notifying me This is a direct Violation of the Reinsertion Law in the FCRA. Equifax did not address this concern at all. Both times this account was placed back on my report I never received any written notice five days prior. I did not receive any notice at all this is a XXXX  XXXX  account and due to the violation of the FCRA Twice I demand the account be permanently deleted. I will seek attorney representation if this is not handled properly I know the laws in the FCRA this is not fair to me or my credit report I am also putting the complaint in here from the XX/XX/XXXX if I get another canned response that does not answer my complaint I am calling my attorney. I hope my time will not be wasted this time.The Original Complaint is below : My entire wallet was stolen and I have submitted several FTC Affidavits and also a police report to Equifax for the same account over and over. The Account is XXXX. Equifax Removed the account on XX/XX/XXXX and then added it back. I disputed it again and they removed it again between XXXX XXXX. Equifax keeps taking the account off and then placing it back on. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior of the account being reinserted and I demand that this account be deleted permanently. This is a direct violation of the FCRA and a direct violation of the Reinsertion Law. Equifax has taken the account off several times and keeps taking it off and placing it back on. This effecting my life and emotional wellbeing. Equifax is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them Permanently DELETE THIS unauthorized ACCOUNT
Consumer complaint received 2022-06-17
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: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC (CA)

La Curacao is reporting a chargde off account on my report incorrectly. It opened in XX/XX/XXXX and the last payment was XXXX.It was a toy car for a kid. The item immediately broke and they refused to honor the warranty for the defective merchandise. I returned the item to the store to be fixed and they kept it. Now they are illegally re-aging the account trying to show that the account is constantly 90 days late every month since then to hurt my credit even though this has charged off over almost 6 years ago. The credit report erroneously shows that that the account is 90 days delinquent every month since XX/XX/XXXX. It also shows that the account closed in XXXX of XXXX. An account can not be closed and be late every month and be charged off all at the same time. This account is hurting my ability to obtain fair and reasonable housing and I am seeking the advice of counsel and the fair housing authority.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (DE)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) THIS is not original loan provider. Debts were not late in payment due to forbearance and COVID. Past time frame to be on my credit. Caused me severe hardships. Housing issues everything. 

I am attaching the original request to go on XXXX  XX/XX/2018. I battled for for over a year trying to submit documentation. To upload files. To get an answer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mother. Dealing with Identity theft, Mail Fraud IN MY OWN HOME. I WAS fighting STILL fighting to Get housing and OUT OF THIS location, DUE TO MY CREDIT file being so botched, I am STILL IN AN ABUSIVE SITATION. I want these removed asap. I am attaching some emails since it only allots for 5 attachments.
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Office of Brett M. Borland, P.C. (GA)

I filed for Bankruptcy in XXXX and included XXXX XXXX in the Bankruptcy which was discharged in XXXX of XXXX. XXXX XXXX XXXX  reported as negative credit in XXXX and Sold it to XXXX XXXX XXXX, Which was sold again to a law firm. I have disputed this at least twice and the results were customer disagrees
Consumer complaint received 2020-10-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (TN)

A title loan- which is unlawful- no matter the legal workarounds- was in fact offered to me in AZ. AZ atty gen has made zero progress on this- thru speedy cash. They gave me XXXX from day one between using my prepaid bank account- they have harassed and threatened me by mail when paying the bill. This harassment is unlawful. Then XXXX  recalled me to XXXX XXXX. I am already in the irr pool by nature of my dispute for retiree reestablishment of benefits with the XXXX XXXX. EO were in fact issued for persons of my type. Speedy cash refuses to acknowledge that SCRA remains in effect- companies like this REFUSE to lend due to the scra- therefore I demand my loan be cancelled. The lender refuses- extorting my inoperable vehicle title. I demand the title- so I can sell the car and am reporting it stolen- have done so to XXXX   police dept.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FTC Violations XXXX XXXX {$1300.00} XXXX XXXX  {$4200.00} XXXX XXXX XXXX XXXX {$3000.00} Disputing Credit Card Charges Have you ever been billed for merchandise you either returned or never received? Has your credit card company ever charged you twice for the same item or failed to credit a payment to your account? While frustrating, these errors can be corrected. It takes a little patience and knowledge of the dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ). 
The law applies to " open end '' credit accounts, like credit cards, and revolving charge accounts, like department store accounts. It doesnt cover installment contracts loans or extensions of credit you repay on a fixed schedule. People o! en buy cars, furniture, and major appliances on an installment basis, and repay personal loans in installments, as well. 
Billing Errors ( # billing ) Exercise Your Rights ( # exercise ) The Investigation ( # investigation ) Complaints About the Quality of Goods and Services Inquiries - XXXX XXXX XXXX
Consumer complaint received 2020-10-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

Mail was delivered to my home on XX/XX/20, stating a debt collection attempt for The XXXX XXXX from Jefferson Capital The debt was for XXXX, I called The XXXX XXXX and was told there was no account or record of enrollment information with the school in my name. I found The XXXX XXXX website online to call them, and then called Jefferson Capital, the same day, ( XXXX ) to inform them that I never attended The XXXX XXXX or had any accounts or enrollment with them, and verified that fact by calling The XXXX XXXX and speaking to one of the employees there. 

l have received a second letter from Jefferson Capital on XX/XX/20, requesting for me to complete a ID Theft Affirmation document requesting my Personal Identifiable Information in a dispute statement document or forward a copy of my dispute to them. I have now filed a complaint with the CFPB to to have Jefferson contact The XXXX XXXX and cease their collection attempts against m XXXX XXXX, and prior to Jefferson Capital 's mail on XX/XX/20 never spoken to these companies. I had informed Jefferson Capital of my intent to file a complaint with the FTC. And this would be that complaint.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NC)

I spoke with XXXX at The Office of the President at Synchrony Bank about some open account issues on my credit report. These open accounts show the following open accounts by Synchrony and or their creditor collection : acct number original Dollar Amount card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After having CFPB investigate the account of XXXX XXXX, their response was that they no longer had the account and sent it back to Synchrony Bank. Furthermore after speaking with XXXX at The Office of the President at Synchrony Bank, she insists that they do not have the account that they closed the account. She was well aware that I am on XXXX, which makes my income collection proof and judgement proof.My credit reports by all three credit bureaus continue to have this listed on my reports. It is false reporting and I would like it removed from my credit report as to not hinder my credit progress in the future. I feel like I am being given the " run-around '' by Synchrony Bank and it's collection practices. XXXX at The Office of the President at Synchrony Bank was not helpful in resolving the matter and did not give me information as to why this is still being reported as " open collections '' on my credit bureau reports.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2022-09-17
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)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-10
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. (NY)

TransUnion and XXXX have not deleted and removed : XXXX XXXX ( XXXX ) XXXX Bank XXXX XXXXXXXX XXXX From my account. It's been over XXXX days. 
I have supplied court ordered documentation to remove XXXX card and XXXX bank from my report. Proven fraud and acknowledged by XXXX XXXX XXXX and XXXX Bank ( documents attached ) ****XXXX is the only one that has compiled. 

Can you please help? After XXXX and with proof of fraud with a court ordered document to remove. TransUnion and XXXX continue to ignore my numerous ( in writing, online and phone ) requests for deletion.