davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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: Experian Information Solutions Inc. (CA)

I have loan with XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XXXX Balance : {$270000.00}
Consumer complaint received 2023-01-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I got my home Financed from Wells Fargo Bank in XXXX under 5 Year Arm. My initial amount for home loan closing was less than 20 % of my home amount, thus, I was asked to pay PMI insurance of {$160.00} per month. 
Later, when my financial condition was little better I reached out to bank to check that I am interested to finish my PMI insurance charges of {$160.00} per month. I tried 3 times to reach bank officials for the PMI insurance removal after meeting 20 % payment. 
For the purpose I requested the bank to get my home reassessed with latest market price and let me know the amount which I should pay, which could help finish PMI insurance amount. But Bank always sent me one standard format that your property value has not increased, even though on XXXX, XXXX and other websites the estimated value was shown more. Also, similar homes in my local area those were built by same builder during the same time were sold for more during XXXX to XXXX. I did considerable upgrade to home, which was also not accounted for reassessment ( ideally upgrades increases value ). 
Wells Fargo always wanted additional amount so that the amount should come up to sum of 20 % down payment of closing value ( At the time of financing ). 
After loosing all hopes, I had to switch my home loan to another lender at even higher rates. 

Since, I have moved off Wells Fargo Mortgage - I dont have any of the communication handy. But if Bank is maintaining the details of customer conversations, one can easily get it.
Consumer complaint received 2023-01-20
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. (VA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXXK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-01-20
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'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. This is a list of items that don't belong to me or that weren't opened with my consent : XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from the identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2023-01-20
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. (VA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2023-01-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX Account : XXXX has been paid and closed since 2015 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
XXXXXXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (MI)

I opened a credit card with Aspire around XXXX XXXX XXXX I was granted a {$500.00} credit limit. I was told my card would be sent to me in 7-10 business days. The days came and went I called on multiple occasions and did the online chat saying I never received it and they said they would request a new one. I was then charged a {$90.00} annual fee on the card with a payment due of {$25.00} on XXXX XXXX I was forced to add a checking account at sign up to make the payments for. I still hadnt received my card when the day of the first payment came out. I called and said I shouldnt be making payments if I havent had any access to the account at all. The lady on the phone agreed and said she would issue a refund by check for the {$25.00} and also try and get my card expedited. She said it would take 14 days for the check to come by mail, it is now XX/XX/XXXX and I have yet to see either of the two.
Consumer complaint received 2023-01-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (LA)

I was harassed an abused by mail and also by telephone. Repeatedly called and mail which is a form of harassment, they were not given permission to call or send mail to me. They were not given permission to report to XXXX, XXXX, or XXXX. Reported information to third party debt collector without my permission. They said the debt was validated, when it wasn't validated by me. I was threaten by the use of violence and or other criminal means to harm me the consumer. They used obscene language towards to over the phone and also thru mail. They advertised the sale of debt. When they sent mail there was a logo on the post card which is in fact a violation also. Cash was taken when cash is not supposed to be taken for a credit transaction. Their actions caused me to be discriminated against, and caused XXXX, and also caused me to lose jobs and not be able to get another job. These debts were not properly validated. They did these things to me purposely.
Consumer complaint received 2020-10-26
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Paypal Holdings, Inc ()

I created my Paypal Id in 2016 when I was XXXX years old ; now, when I open my Paypal account to use it, then I need to change my name, so I have uploaded my id proof for that, but then they're an email was sent that I can't any longer use my Paypal id nor I can delete it. But I have already given the PayPal id for transaction purposes, and it can't be undone, so I need to recover my Paypal id.
Consumer complaint received 2023-01-20
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA was contacted in regards to a charge that was not allowed to be done repeatedly on my credit card and provided the proof of the cancellation letter along with a new purchase of software for the same purpose. USAA ignored the information and kept the charge on my card for XXXX which is against the terms and conditions of the credit card company. I'm asking for help as USAA representative ignored the information submitted and this charge will continue forever based on their poor decision. Due to the manner USAA handled the dispute I am asking for help from CFPB.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (WI)

Had a bearing go on the car after paying off almost XXXX dollers with no problems bearing went out and cost me XXXX dolleas to pay for that payment it would have cost me XXXX dollar, s that month asked to put that months at the end of loan they refused and reported my car with almost XXXX dollars left sold the car for XXXX dollars and found out the company I bought the car from never told me I had repair coverage on the car at an extra XXXX dollar 's that company was also working with wells Fargo to rip off people by not telling us we had coverage that car places name was XXXX Auto when I went back in to that company nobody that worked with me the whole company had all new people and they told me that there was nothing they could do for me because they didn't know who I was and refused to help but if I wanted another car from them could help
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

They are reporting false information. It says I was late 90 days but on the report it says I was on time In XXXX and in XXXX but I was late in XXXX and in XXXX
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

My original mortgage loan was with Wells Fargo. During the Pandemic I was allowed to defer the payments. When the deferment period ended, I was still unable to make payments and the deferment was extended. It was later suggested that I apply for a loan modification in order to have lower payments and interest rate. I filled out paperwork for the modification and the process took over a year. Moth after moth they stated that I was missing document but had submitted everything that was requested. There was a time when I called to inquire about the status of the modification, I was informed that the paperwork was lost, and the process had to begin over again. I called monthly to see if a decision was made and never did get a confirmation. The mortgage was abruptly sold to another company. Payments were due immediately and the new company threaten a foreclosure. I had since retired and did not have the funds to bring the account up to date. I ended up borrowing the money from a friend to bring the account up to date. Wells Fargo was responsible for me paying so much money to bring my account up to date with the new company. 

As a result, I am presently on meds for stress.
Consumer complaint received 2023-01-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

XXXX continued The events happened between XX/XX/ and XX/XX/2019. In XX/XX/ when I should have been closing they attempted to force me to take a 3.95 % rate which was not what the rate. They also sat on the completed file delaying a closing. I located the secure emails, XX/XX/2019 estimate with the 3.5 % and the woman who tried to force me to change my rate. 

XXXX in XX/XX/2019 gave me the 3.5 % rate. 

I am attaching files. I am requesting to be part of the settlement because I paid {$1400.00} when I was qualified to pay {$1200.00} from XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I applied for the American Express ( AMEX ) Delta SkyMiles Gold Card back in XX/XX/XXXX based on a welcome bonus offer advertised to me through their website and via pamphlet received in the mail. The welcome bonus offer advertised to me was I would receive XXXX bonus miles if I spend {$2000.00} or more in the first 3 months. 

After receiving my new credit card in the mail and reaching the required spend threshold I only received XXXX bonus miles from AMEX, not the XXXX bonus miles I was expecting. At this point, it seemed like a mistake was made because the offer AMEX actually applied was only XXXX bonus miles after spending {$1000.00} within 2 months. 

So I submitted a dispute with AMEX to resolve this discrepancy back in XX/XX/XXXX. I provided supporting documents to AMEX on XX/XX/XXXX via online document submission portal on their website, which showed the welcome bonus offer that was advertised to me ( i.e., XXXX bonus miles ). These supporting documents can be seen in Attachment # XXXX. 

My dispute/complaint would have been resolved if AMEX simply XXXX applied the better welcome offer to my account. 

However, I patiently waited 3 months and received no response from AMEX. Then I finally reached out to AMEX today ( XX/XX/XXXX ) for a status update. Their responses can be seen in Attachment # XXXX. Essentially, AMEX declined my dispute/complaint and would not honor the advertised welcome bonus offer that I based and pursued my application on. 

I genuinely feel like I've been misled by AMEX via false advertising and if I would have known I'd receive a lesser welcome bonus offer than what was advertised to me, I wouldn't have applied or accepted the credit card in the first place. Now I'm stuck with this credit card and risk affecting my credit score/history if I cancel it because of dissatisfaction with AMEX.
Consumer complaint received 2023-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (ID)

I called Aidvantage in XX/XX/XXXX to request a loan under the Federal Student Loan Debt Relief, for which I should receive roughly {$5000.00}. After speaking with a customer service rep, I was told I should see my refund within XXXX weeks. Therefore, I should have received the refund in approximately XX/XX/XXXX. 

In XX/XX/XXXX, I called Aidvantage to follow up and ensure there were no issues. Although the loans had re-appeared on my credit report, I had yet to receive any notifications from Aidvantage regarding my request. The customer service representative told me that my request for a refund was never submitted. They stated that they could present the proposal now ; however, it would take an additional XXXX weeks to process. This meant that I would receive my refund in approximately XX/XX/XXXX. 

I called Aidvantage on XXXX XX/XX/XXXX, and the customer service representative told me that I needed to wait another week and, if there was nothing processed, I should call back. 

I called Aidvantage on XXXX XX/XX/XXXX. The customer service representative was extremely rude and told me that I needed to wait another week and that if there was nothing processed, I should call back. 

They also stated that when the refund is processed, it will take an additional XXXX weeks before I see it, pushing the date I expect to see my requested refund to XX/XX/XXXX. 

The amount of uncertainty while dealing with Aidvantage has been astronomical. In addition, customer service representatives need to be more knowledgeable concerning refund processes and timelines. 

I am confident I will never receive my XXXX XXXX XXXX XXXX XXXX as promised. 

Aidvantage has no interest in processing my request. I am calling weekly for updates, but I need help to get through.
Consumer complaint received 2023-01-19
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2023-01-19
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: Experian Information Solutions Inc. (FL)

Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 5 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : 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
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have been submitting disputes to have a bankruptcy removed from my credit report. Experian has stated to me that they were able to verify that it is accurate. however the US bankruptcy court states they do not verify with the credit reporting agency 's so I am filing a complaint against this reporting agency. the first dispute regarding this inaccurate information  went in XX/XX/XXXX. I have been working to get this taken care of since. However Experian continues to say that the information was verified as accurate. They have continued stating the same thing. I recently went into Experian dispute again XX/XX/XXXX and they stated the information is accurate. The address associated with the bankruptcy and I have no ties it doesn't appear on my credit report. unsure where the address is coming from.
Consumer complaint received 2023-01-19
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)

XXXX Disputes Address XXXX XXXX XXXX XXXX : Credit Dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX Act : XXXX - Letter of Explanation - SS of Credit Charts Experian Report # : XXXX Date Generated XX/XX/XXXX I just confirmed today, XX/XX/XXXX, with the collections dept at XXXX XXXX that the dispute results above were inaccurate. After my XXXX XXXX XXXX was totaled in a car wreck in XX/XX/XXXX, my car insurance wrote a full check to pay off the balance of the car & then I leased a new XXXX XXXX. I do not owe XXXX any funds. Nor should this be reporting on my credit at all. The acct was closed and paid in full at the time of my accident in XX/XX/XXXX.