davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I was a XXXX XXXX member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, XXXX returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my XXXX account was paid in full. During this time, XXXX Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on XXXX 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my XXXX XXXX by more than XXXX points overnight. 

I contacted XXXX Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. XXXX refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not XXXX. I changed my address with XXXX XXXX and the post office in XX/XX/XXXX when I moved. XXXX XXXX told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up. 

I am extremely disappointed with XXXX XXXX Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on XXXX XXXX Services. I will never recommend XXXX XXXX or XXXX to anyone. Please share this with anyone wanting to shop at XXXX for XXXX. Help me fight back.
Consumer complaint received 2023-11-28
Product: Credit card — Store credit 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: CITIBANK, N.A. (MS)

I purchased a wooden swing from Wayfair in XXXX XXXX The swing had a one-year warranty from Wayfair. On XXXX XXXX XXXX, I sent Wayfair pictures to show that my wooden swing 's wood had rotten. I shared photos that showed my swing was under the porch and that I had purchased a cover for additional protection. After accepting the photos, Wayfair indicated that my account would be credited for the damaged swing within 5-10 business days. When I checked my Wayfair account ( Citibank ), the credit was not issued. I called Wayfair to inquire why my account had not been credited. I was informed that a credit could not be issued until the dispute I had with Citibank was resolved. I informed Wayfair that I did not have a dispute with Citibank, the Wayfair representative indicated that nothing could be done ; therefore, my Wayfair account had to be sent to an executive resolution specialist. An email from Wayfair, XXXX, executive resolution specialist, was sent to me that read, " This is in regard to your XXXX XXXX XXXX XXXX XXXX XXXX XXXX At this time, you will need to contact Citibank regarding your refund. A dispute was entered with the credit card company, and they are holding the money for the transaction. They will provide a refund to you based on the findings of that dispute. '' I called Citibank, the Citibank representative indicated " We are a bank, any refunds must come from Wayfair. '' During the conversation with Citibank, I asked for a XXXX conversation with Wayfair. Wayfair, Citibank and I discussed my refund, and I was told the same thing, that Wayfair could not do anything until the pending dispute was resolved. The Citibank representative told the Wayfair representative that there was no dispute pending. On XXXX XXXX XXXX XXXX, a Wayfair Executive Resolution Specialist finally sent an email that confirmed that the dispute that Wayfair referred to was resolved XXXX XXXX XXXX Even after the email was shared on XXXX XXXX XXXX  I am still going back and forth with Wayfair and Citibank since XX/XX/XXXX, regarding my account being credited. Citibank has added interest, late fees and a negative report to my credit report. Once Wayfair credits my account and the late fees and interests are removed, my account is XXXX. I followed all instructions that were asked by Wayfair and my account still has not be addressed by Wayfair. At this time, I have no swing and I am expected to pay a bill. Please assist, I will share all emails and pictures at your request. Prior to this incident, my credit report was exceptional ; never a late payment of any kind.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

The company sent me an email that my payment was successful. When I checked my credit report I saw that I was late on car payments and my credit took a major hit. This affected me financially and mentally. I reached out and pointed out this was a mistake with their system. I have never missed a payment, never got a letter email, or call about the late payment error. XXXX XXXX said there was nothing they could do and I could call the credit bureaus to get information removed.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). This account may not be reported as unverified information without providing any supporting information within the legally allowed time range. The account is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX I applied to Capital One for a credit card and was essentially denied almost immediately I'm fully aware and of good standing and of competence to know my rights and my consumer rights state that and pursuant of certain acts by federal law I shouldn't be denied credit and the fact that my social security number was ran and it was a transaction completed somebody benefited and I have not benefited on top of that the inquiries that have happened and taking place have caused damages so right now I sent out a letter I sent out an affidavit hopefully we won't have to take this to arbitrary thank you
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-11-27
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MN)

XXXX weekend XXXX, my then fiance and I purchased a bedroom set from XXXX XXXX with the company financing. It was later we realized it was not a loan but a store credit card through Wells Fargo. Payments were being made on the card and as of XX/XX/XXXX the account was not behind and the balance due was {$4000.00} with payments of {$160.00} a month. My now husband ended up having to claim bankruptcy that started in XXXX of XXXX. My accounts were not included in the bankruptcy and I was never part of the bankruptcy. XX/XX/XXXX I received an alert from XXXX that my credit had dropped XXXX points. When looking at my report, Wells Fargo reported a charged off account in bankruptcy and payment was missed. I disputed the report, as I had not claimed bankruptcy and payments had been current and i had intended to continue payments. I never received any letter from Wells Fargo stating I was the sole account holder, nor did I receive one stating the account was closed, not did I recieve a statement of any kind. Wells Fargo 's response to my dispute was to again report the account as charged off, however this time they added that it was written off and past due. Wells Fargo has reported this every single month since XXXX of XXXX. It is now XX/XX/XXXX. Three days after my husband 's bankruptcy was finalized in XX/XX/XXXX, Wells Fargo started calling me wanting payment. This was after they reported the account as charged off, written off and past due that same month. 
I informed the rep. the account was included in a bankruptcy and they have been reporting it as charged off, written off and past due to my credit. Per their reports, they wrote the account off. 
This has been malicious attacks by Wells Fargo in response to my husband claiming bankruptcy. 
Due to their continued reporting every month as the account being charged off, written off and past due, my other accounts have begun to decrease my limit, further hurting my credit. Before Wells Fargo began their malicious attacks on me my credit was XXXX, it is now XXXX. To this day, I have not received a single letter, or billing statement from Wells Fargo.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2023-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I extended my credit my credit to Capitol One for the amount of {$150000.00} on XX/XX/2023 they denied me I sent a Anticipatory Breach of Contract to them certified mail XX/XX/2023 and a Opportunity to cure stating CAPITAL ONE to apply the application Reference # XXXX and use this application as SECURITY COLLATERAL ADVANCED PAYMENT to set off the Principals Balance IN FULL each and every billing cycle. Pursuant to [ FEDERAL RESERVE ACT SECTION 16 P.2 ]. XXXX XXXX has entered into a fiduciary relationship and you now have obligations to up hold. Pursuant to [ 12 USC 1431, 15 USC 1615 ] I hereby instruct the CFO or indentured trustee for CAPITAL ONE to respond in writing if these instructions can not be completed. You have five business days. If I do not receive anything in five business days I can assume these instructions have been successfully performed. 
No reply
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

Issues started in XX/XX/2023 when I applied to the SAVE plan. 

Well, I still make my monthly payments. I payment my XXXX payment. So my next payment was going to be in XX/XX/2023 for the sum of XXXX dollars. 

On XX/XX/XXXX, I receive an email that my loan is in forbearance. 

I log into my account on XX/XX/XXXX. Now the amount that was due in XX/XX/XXXX is showing that it is past due. Mind you I had already made my monthly payment and no payment was due for XXXX. 

And now they have my XXXX due as XXXX dollars with a a past due for XXXX. 

Now am wondering, am I getting weekly payment dues? Tried calling no one picks up. I do not care if my payment due is XXXX but how can you decide that what was due in XXXX is now due in XXXX when a monthly payment has already been paid.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

XX/XX/2023 : I contacted all three agencies XXXX, XXXX and Experion. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don't work.
Consumer complaint received 2023-11-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JSZ Financial Co., Inc. (TX)

-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 XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2023-11-27
Product: Credit reporting 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. (AZ)

I pulled my credit report and found I have several not even several lots of inquiries on my account that I never authorized. I have XXXX XXXX  on XX/XX/XXXX several XXXX  for XXXX. Theres XXXX XXXX on XX/XX/XXXX there not authorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX of those on XX/XX/XXXX flagship XX/XX/XXXX some that are XXXX XX/XX/XXXX XXXX I got preapproved to buy a car from XXXX  XXXX. I went to the dealership and with my preapproved letter and now Im seeing several Auto inquiries on my account, which I never authorized, and I mean there are, not just a couple I mean lots of inquiries from auto dealerships and after pulling my credit I had bought a car a year over year previously and I also had a preapproved letter from caXXXXital XXXX and I see that they did the same thing at that time I have probably like XXXX inquiries on my account Where they know where I was trying to do a credit card and I did authorize you know for them to pull my credit and one time is what I was you know authorizing and I see where they pulled it like three times when I authorized one time and I have like hundreds of these on my credit report And Im being denied credit because of all of these. I did have incorrect addresses on my report that I have been trying to get corrected. I contacted several of the companies and they said if they are in there then I requested it.
Consumer complaint received 2023-11-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

The company is XXXX. I paid {$500.00} dollars and I just wanted my refund. They stole the money, I had insurance for the medical bill. The number is inactive now.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I opened a new FIFTH THIRD MOMENTUM SAVINGS and CHECKING accounts on XX/XX/XXXX. 
Link for the promotion https : //www.53.com/content/fifth-third/en/mkg/checking-offer.html To qualify for the {$350.00} checking bonus, provide the offer code, open a Fifth Third Momentum Checking, or Preferred2 checking account by XX/XX/XXXX and make direct deposits totaling {$500.00} or more within 90 days of account opening. 

I made multiple direct deposits totaling {$500.00} or more within 90 days of account opening. 
I never received the {$350.00} bonus within 10 business days of completing the qualifying activity requirements. 
I contacted FIFTH THIRD bank on XXXX about the promotion and they refused to honor the promotion.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

XXXX at approx XXXX ( Eastern ) : Tried to access my Experian account online. I could not get my user name/password combo to work so I called customer service. 

Automated system prompted me for reason regarding my call and wouldnt transfer me to an agent. I walked through the steps to unfreeze my report for 24 hours ( initial request ). The line then transferred me to an agent named XXXX. 

XXXX asked me for my social multiple times and I would not give it to him. I told him I would give him last 4. He put me on hold until he spoke to a manager. 

He came back on the line and took the last 4 as well as my street address etc. He asked me about the freeze again and I told him from today until Wednesday ( 48 hours ). 

He confirmed and I asked him about my online account and why I couldnt get in. He said hed walk me through security questions which I answered. He said he could not verify me but was going to add my email to the account anyway. That didnt make sense to me and I asked to speak to a manager. He said is there anything else I can help with and I said yes to speak to a manager. He said hold on and Ill connect you and then hung up on me. 

Very unsettled I called back multiple times. Finally was connected to another agent. She told me she had no record of me talking to anyone else and that a permanent release of the freeze was done online. This isnt possible as I couldnt get my user name and password to work. She also had no record of me talking with an agent. 

I instructed her to put the freeze back on permanently and she asked me if I wanted to pick a new pin or have one automatically generated and mailed to me. I asked her to mail me a system generated pin as the first agent XXXX had asked me for the pin and had that number. 

She confirmed the freeze was added back. She said she did update my email in the system. 

I tried to pull a report through XXXX XXXX XXXX and Experian gave me an error and said information has recently changed and they could not provide the report. 

I then tried to reset my information again through Experian and its telling me my phone number doesnt match the account. 

I placed a freeze to protect my credit with the bureaus and it seems Experian has an unethical employee. 

After speaking to a CFPB rep, I placed a fraud alert on my credit but I still am not able to access my Experian account or get anyone on the phone to confirm my account is safe.