davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-26
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. (CA)

I looked up my score on all three major credit bureaus and found that I only have 1 month of credit history when it should be since XXXX and it only shows since XXXX I have credit statements to back my claim.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (NH)

I got married and am trying to apply for a mortgage. In order to apply for a mortgage, I have to change all my prior lines of credit to my new name, otherwise, for some reason, my history doesn't show on my SSN because my name doesn't match. I am almost through with all my lines of credit except for XXXX - Wells Fargo Credit Card. This is XXXX I NEED to have my name changed because it is my longest line of credit I have held with the largest line of credit for a card. 

I have called on SEVERAL occasions and have explained my situation- I opened the card at a local branch back in XXXX XXXX I now reside part time in XXXX XXXX and in XXXX. There are NO bank branches near me no matter where I go. They have stated I MUST come into a branch. All my other cards have requested my marriage license by email, or have simply changed my name over the phone. I haven't had any issues. I have even changed my student loan information without hassle. I can not make a trip somewhere to a branch, especially when this is only about a credit card- which does not require a local branch to operate. 

I understand this is a very specific situation. If it is a matter of security, I am even willing to go to another one of my bank branches ( XXXX  ) to have them communicate with Wells Fargo and they aren't okay with that either. 

I will be back in the XXXX in XXXX and can get this somewhat handled, but there isn't a Wells Fargo within XXXX hours of me.
Consumer complaint received 2021-08-22
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: TRANSWORLD SYSTEMS INC (PA)

I finally looked into my credit and saw a collections from transworld systems inc. Which is fraudulent and erroneous because I've never contracted with that company Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified. 
Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo on XXXX, XX/XX/year> refunded my provisional credit for the amount of XXXX dollars. Which I work hard for my money I work washing Cars in high school and the transaction I reported was a fraud. Which I didnt have the card at all. But apparently they said they couldnt do the claim again since visa only gives the face for you XXXX  and not XXXX. This put my account at XXXX dollars.
Consumer complaint received 2021-06-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

The credit reporting agencies have violated my consumer rights. An alleged debt being furnished on my credit report is a violation of 15 use 1692b ( 2 ). Why? 
Because it being furnished would mean I owe it but a debt collector cant say I owe anything. Its also advertising to coerce payment which is illegal. There is not ONE law that says ANY credit transaction has to be reported. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that the credit reporting agencies delete the accounts I have listed on my letter immediately!
Consumer complaint received 2020-07-13
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: CL Holdings LLC (VA)

XX/XX/2020 I send a request for investigation to XXXX. The agency responded on XX/XX/2020 the following results : XXXX XXXX XXXX XXXX XXXX. 
No Changes Discover Financial No Changes XXXX XXXX XXXX No Changes XXXX  XXXX XXXX ( USA ) No Changes XXXX XXXX  No Changes Jefferson Capital System Deleted. 

On XX/XX/2020, I requested an updated copy of my credit report. I noticed that the items previously disputed had NOT been removed from my credit bureau. In particular, Jefferson Capital System. As of today, I am still able to see this item reflected on my credit report. 

Another issue has to do with the unverified information from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX ( XXXX XXXX XXXX XXXX ). I have mailed my last request, before I file for remedies in court, on XX/XX/2020. 

Hoping that the inequities of power and access can be adequately addressed by government agencies advocating for consumers. I look forward to hearing from the corresponding agencies soon.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Until recently I had my Mortgage loan with.XXXX XXXX XXXX. My loan was sold to Loan care. XXXX XXXX XXXX XXXX XXXX, VA XXXX. ( XXXX. So as of XXXX my new payment would be going to the new company. My loan is due on the XXXX of every month. 

I noticed that no withdrawals had been made. On XX/XX/XXXX. XXXX I contacted loan care and asked if they had automatic deductions set up. For my account since my loan was rolled over and had auto deductions set up previously with XXXX XXXX XXXX They stated they did not. So I made a payment over the phone. Setting up the auto deduction with loan care representative. 

When I checked my account I noticed two transactions were processed For {$2600.00} the auto deduction and the phone payment made. 

I have been calling and submitting statements since XX/XX/XXXX, I have been getting the run around. I received an email that the bank statement I submitted was not sufficient, the next day on contacted them. I was placed on hold for over 45 minutes. When I asked specific instructions on what they requested I also got different responses. 

On XX/XX/XXXX I received another email that they could not read the statement from the bank with its name and address clearly showing. So, that afternoon I went to my bank and got a signed letter head clearly showing everything they requested. Along with the two transactions that were processed. 

On XX/XX/XXXX I called to check on the status and they stated that they could not read the copy from the bank, but the letter from the bank was ok. I advised supervisor that I had multiple copies Showing clearly the type transactions. She advised that this would be sufficient. 

I have been waiting for my money to be refunded to my account but nothing. So I called on the XX/XX/XXXX. Meanwhile I have not received nothing via email that anything was needed. So when I called XX/XX/XXXX I asked to speak to Supervisor and she advised that I would have to call on Monday XX/XX/XXXX to get my tracking number. I thought that was strange. Because I know you receive that via email so I called XX/XX/XXXX speak with another representative and she tells me that have to provide another statement from my bank to show it was CLEARED. That is ridiculous it was not a check. It was taken from the company directly. XX/XX/XXXX I re- submitted another statement showing All of the information with the two double Mortgage withdrawals. I am very frustrated I hope that this can be resolved soon. 



They asked on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, my partner endorsed his financial aid check to me so I could cash it for him. I deposited the properly signed and endorsed check into my account, but CitiBank rejected it and initiated an investigation against me. When I called for clarification, they asked me to bring the third party ( my partner ) to a branch with proper identification. We complied on XX/XX/XXXX, but CitiBank informed us that my account would be closed and froze access to my funds. 

They then told my partner to have the school reissue the check, claiming the original one was no good. However, the school stated that the check had already been cashed and could not issue a new one. Meanwhile, the bank continues to hold the funds, refusing to allow me to access the money or letting my partner get a replacement check, as it is marked as cashed in their system. In short, CitiBank is sitting on money that doesnt belong to them, leaving us stuck without a resolution.
Consumer complaint received 2023-01-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00}, and XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Consumer complaint received 2023-01-12
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)

Equifax is giving me a hard time removing fraudulent things that are reporting on my credit report I also notified Them of my information being in their Data breach so I feel that I am a victim of identity theft
Consumer complaint received 2022-08-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Minto Financial dba Minto Money (MA)

I applied for this payday loan.I want to pay off the loan to avoid the high interest but I can not come tact them and the amount they are taking out weekly is so much I can not pay my rent and bills
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

I check my credit report constantly. This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. Furthermore, they didn't follow the proper five validation procedure which makes this an unfair practice.
Consumer complaint received 2022-08-31
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2020-07-14
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED (NJ)

As a young man with minor responsibilities I went into XXXX  to better my future. Like any young adult I was not financially stable and needed assistance to do so with a student loan. Fortunately, as I became a XXXX I made the decision to get married to the love of my life and then came our beautiful XXXX children. My responsibilities increased as my family depended on me. I had to divide my time to attending XXXX, working a full time job and to spend time with my loved ones. Things were getting too stressful, so my time as a XXXX has stretched out into XXXX XXXX XXXX credits. Up until now, I still am a XXXX XXXX trying to tackle my tasks, one at a time. I was deceived by being told that I did not need to start paying off my student loans until after I graduated. I've contacted this company about my outstanding debt. I pleaded that they allow for a settlement or a payment plan in order to pay the large sum. It was denied. I am trying to purchase a home but unfortunately this is putting a strain on my credit report and is preventing me from doing so. This is effecting me from providing my family with a decent lifestyle. I wish there was a way we can come up with a resolution and dispute this enormous amount. The NTL Credit Systems has failed to provide me with a compromising settlement agreement.
Consumer complaint received 2019-06-21
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. (IL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-05-16
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 — Problem with personal statement of dispute
Company: VW Credit, Inc (NY)

I have a auto lease with VW XXXX  XXXX  XXXX  services. Due to XXXX XXXX Pandemic I was adversally affected financially and contacted XXXX XXXX who agreed to a 3 month deferral of monthly payments and would NOT report that my account was delinquent or charge late fee. This is confirmed in writing. Notwithstanding agreement, VW reported to all credit bureau agencies that my account was delinquent in violation of the agreement and the CARES Act.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

I entered a payment agreement for Account : XXXX in XXXX of XXXX the company stated that the agreement would make my next payment XX/XX/XXXX. However the date provided was incorrect and the next due date was XX/XX/XXXX, this is after I already paid three payments to make the account current. I request the company to update my account to reflect the payments accurately on XX/XX/XXXX and they directed me to file a CFPB complaint to resolve the issue.
Consumer complaint received 2021-02-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I call Equifax and told them that I had sent letters out in the last 60 days I havent heard them and they told me to come here to dispute my issue here and that happen its will be removed in 24-72 hours
Consumer complaint received 2020-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except XXXX  XXXX XXXX. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (ME)

In XX/XX/XXXX I received a letter from XXXX XXXX  credit card company demanding that I send them XXXX XXXX financial information by XX/XX/XXXX. No specific reason was given other than provisions in the Patriot Act. It is my understanding that this portion of the Patriot Act expired in XX/XX/XXXX. I am also a XXXX XXXX XXXX and don't have the corporate documents demanded. Seeking clarification I called the phone number provided. I called that phone number 24 times across the next month and was consistently placed on hold for between 30 and 60 minutes and unable to speak with anyone. Without additional information I am not able to comply with the demand. Today, on XX/XX/XXXX XXXX XXXX  credit card was declined to a XXXX vendor. Credit card customer service indicated that my account was being held hostage for non-compliance and her only solution was to give me the same phone number I had unsuccessfully called, adding that " this is a very busy number ''. As I write this I have been on hold to the aforementioned phone number for 45 minutes. I am outraged that the credit card company wields this much power and uses it during the pandemic when running a XXXX XXXX is precarious. Please help soon.
Consumer complaint received 2020-04-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except Bank of America. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.