davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (IL)

I recently found a billing issue when I reviewed my credit report. Billing mistakes are any arithmetic errors or other accounting mistakes on a statement, as well as the creditor 's inability to accurately reflect a statement, a payment received by the debtor, or a credit line given to the debtor, according to U.S. Code 1666 ( b ). In my opinion, the creditor did not send me a statement 21 days prior, hence there shouldn't be any late payments on these accounts. The list of disputed accounts that need to be fixed or corrected appears below. Please do so in order to report accurate and helpful information : XXXX XXXX XXXX  XXXX Balance : {$28000.00} It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX Balance : {$340.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2023-01-24
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: Bread Financial Holdings, Inc. (MO)

XX/XX/XXXX - COMENITYCAPITALXXXX inquired credit report through XXXX XX/XX/XXXX - COMENITYCAPITAL/XXXX inquired credit report through XXXX XX/XX/XXXX - COMENITYCAPITAL/XXXX  inquired credit report through XXXX I called Comenity Capital on XX/XX/XXXX to remove these inquiries, and they said they could not do that because they could not find any credit card applications in my name. They also mentioned that I needed a letter ( that is done within 14 days of application ) they have sent out if I had submitted an application to see if there was a fradulent request. I have received no such letter. No credit cards were opened in my name, but I have 3 hard inquiries in my credit report from them. I asked to speak to another representative, but they said any other agents will tell me the same thing. They will not work with me on this issue. I have checked XXXX, and saw similar complaints to mine.
Consumer complaint received 2023-01-24
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. (NJ)

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : 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 2015-12-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (UT)

NATIONAL CREDIT SYSTEMS I was being garnished XX/XX/XXXX. owed money to a property Management in XX/XX/XXXX. This was paid off by XX/XX/XXXX and the garnishment stopped. I was applying for an apartment and on my credit it said i still owed XXXX. I called to deal with them and to set up payments because i had no idea i owed them this long. they were very rude and i would not set anything up. the lady said to call back when i had more money and hung up. Looking more into this i found that others like myself were being charged for amounts that had been paid off. I paid the amounts and the garnishment stopped. i never got anything in writing stating that i still have fees. none of my paperwork says i would still owe money. i have a paper that shows my last payments garnished. they were able to contact me through my employer. if i still owed money why was n't it also garnished? i paid my fees, and now this issue is now making it difficult to find a place to live. this is causing hardship, this will make it difficult to get to work since i now have to move in with a relative, making my commute long and difficult.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Suffered from a died in lieu of foreclosure. Communication with Wells Fargo was awful around XXXX and they claimed it could only be done via snail mail. No email, chat, phone, etc. it was brutal and not timely at all. Tried to do a short sale on several occasions but was never successful, eventually after years of trying to unload the home we had to settle with a sheriff sale. WF told me it was only a deed in lieu of foreclosure and wouldnt be reflected on my credit as a foreclosure. But several months later it appeared on my credit as a foreclosure. After being a customer with WF for over 10 years ( XXXX ) I elected to move on from them and find a different bank.
Consumer complaint received 2023-01-23
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX and XXXX BK- 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Accounts need to be removed from report.
Consumer complaint received 2023-01-23
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated.my federally protected consumer rights to privacy and confidentiality under U.S.C 1681. 

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
Consumer complaint received 2023-01-23
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. (WA)

On Thursday, XX/XX/XXXX, I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord that evidently included information that shows that reasonable procedures may not have been followed to assure the accuracy or lawfulness of its gathering or distribution. I called XXXX today, XX/XX/XXXX, to inquire further about about the dispute process. Despite the screening report they provided claiming they received their information from Experian only, the agent I spoke with claimed they were waiting on input from XXXX to proceed. Considering the inclination these XXXX bureaus have to go hand in hand, I have reason to believe XXXX has this inaccurate information as well. 
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978. Further, in what I've found so far, their actions have violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894. 
These violations have directly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

These credit furnishers have violated my rights, and restrain trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 ( a ) ( 2 ) that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681s2 ( a ) - Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CA)

After submitting documentation to change from XXXX to REPAYE XXXX to Nelnet, I was entered into a forbearance that I did n't want for XXXX months. I noticed that my application was not being processed ; when I called, I was told that I needed to enter into the forbearance and make a payment of only {$5.00} for that month. Weeks later, I still was n't entered into REPAYE ; when I called again, I was told that I had been entered into the " wrong kind '' of forbearance and needed to wait another month. No payment was charged at all for a third month.So, my overall repayment period has extended 3 months. Because of my payment plan, and the likelihood of claiming XXXX, I will end up making XXXX much larger payments years from now instead of XXXX smaller payments in XX/XX/XXXX-XX/XX/2016. I would much prefer to make retroactive payments and pay my loans off earlier. 

Unrelated to that issue, I submitted documentation of my public service for future PSLF. My Nelnet loans were paid off by XXXX on or about XXXX XX/XX/XXXX. But, Nelnet charged an auto-debit payment on XX/XX/XXXX, and does not appear to have credited my account with that payment.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jon Barry and Associates, Inc. (NC)

Paragon Revenue Group has an account an my cerdit report saying i owe, and its not my debt. Im looking at my credit report and they added another debt to my credit report after all the others were removed.The debt is for {$1300.00} dollars. Mys sons mother is taking my son to the doctors and i no longer work for the company the insurance was originally carrying him on. All his or her debts are coming over to me since i was the account holder
Consumer complaint received 2023-01-23
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)

To whom it XXXX concern, In accordance with the Fair Credit Reporting Act Section XXXX ( XXXX U.S.C. XXXX ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I have disputed this inquiry, several times as I have not applied for services with this company. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX. XXXX XXXX XX/XX/2022 I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results.
Consumer complaint received 2023-01-23
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Proof has been sent numerous of times without any update on the report
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

Applied for a loan for XXXX. 
Purchase Price XXXX. 
Down Payment XXXX. 
Home appraised for XXXX. 

To start Amerisave opened XXXX loans for me off of one inquiry. All with different loan amounts and all for the same address. 
# XXXX # XXXX # XXXX Mortgage company ( Amerisave ) wanted me to sign an addendum to my purchase contract stating I was receiving the following from the seller : XXXX in a gift of equity and XXXX is seller credits. This was not true at all, the seller and I refused to sign the addendum after inquiring where these got these numbers from multiple times. My mortgage was also changed to XXXX. 
I had to fight and argue with them to put my loan amount back it what it originally was supposed to be which is XXXX and argue about getting an estimate with the loan amount at XXXX as they told me they were unable to provide it with the purchase contract I had and I had to follow their revisions. Said I was going to bring XXXX to close then XXXX then on my day of closing asked if I could bring XXXX because they wrote up the estimate incorrectly ( still had it at XXXX ). Company keeps telling me that if I dont close with them Ill be billed {$540.00} on top of the {$500.00} they already collected from me.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (CA)

The terms for opening a new savings account via referral is an extra 1 % APY for both parties across 3 months ( each additional referral, up to 5 per year, provides the same benefit ). I was referred to open an account by a friend, so we both have 4.3 % APY for 3 months. I then referred my other friend and she then referred her mother and brother. However, we were not credited for me referring her. We have plenty of evidence supporting this happening and have spoke to the bank multiple times via phone and chat, accumulating many hours of our time. We continue to be given the run around and denied the timely adherence to the terms we agreed to when creating our accounts and giving/receiving a referral. This is unacceptable and breaks people 's trust in banks who hold our hard-earned money.
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (LA)

Shell point mortgage put me on cares act. XXXX of XXXX. They are demanding payment in full. 
I'm not behind on payments They stopped accepting any money from me in XXXX of XXXX. I was on the cares act plan. They have denied I was on this plan. They have denied me any way to get modification or forbearance. They have never notified of anything. I can prove their lies at every point of contact. They have had class action lawsuits filed an shell point lost every lawsuit. For the exact same thing they are doing to me. Theese people should be in prison. This is just a couple of the thing they have tried there is a lot more they have done an said an lied about trying to steal my house. I'm not upside down on my house Actually I have around XXXX in equity in my house. Please help me resolve this matter. I can document lie after lie by shell point. It's criminal what they have done..
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC. (CT)

Made a deposit over {$3500.00} or so with an I valid check. Then I wrote another check per the amount of {$5000.00} lost prevention called me to warn me the check wont get paid my account was restricted. Previous to the restriction the institution failed to pay two in house charges when the money was available. They owe me {$40.00} on bounce checks.
Consumer complaint received 2023-01-24
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. (NV)

In this month I received my credit report through the annual credit report and there are addresses that I have never lived and I do not know. I called the agency and told them that they are reporting addresses that I do not know and that I have never lived in and therefore had to be removed from my credit since they are affecting my credit and they have not removed those addresses and have not done anything to inform me and that they demonstrate with evidence and my signature that I have lived there if it does not have to be eliminated immediately.
Consumer complaint received 2023-01-24
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$38000.00}
Consumer complaint received 2015-09-25
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc. (MO)

On XXXX/XXXX/15 I noticed an unauthorized deposit in my checking account in the amount of {$800.00} from Kickstand Lending. I never heard of Kickstand lending, I have not applied for a payday loan, I did not sign any loan documents either with a wet signature or electronic signature and I certainly did n't give them authorization to access my checking account. My bank is disputing the deposit at this time. I also just checked my credit report and a company by the name of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX requested my credit history on XXXX/XXXX/2015 on behalf of Kickstand Lending. I did n't authorize this either. I googled Kickstand Lending and found an email address for them ... wrote them about the situation and they said the loan was requested on XXXX/XXXX/2015 from an IP address of XXXX ... when I traced this address, it 's in XXXX ... I 'm in XXXX and have n't traveled anywhere outside the region in the last five years.
Consumer complaint received 2016-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX I paid off my wife car over the telephone with Capital one auto finance and they ACH the payment from my bank account. 4 months later I was checking my credit history on my capital one phone app and it showed me owing a balance {$270.00} I immediately contacted capital one cutover service and after 3 hours of them hanging up the phone on me I finally was able to reach XXXX ID # XXXX and he was the only one who showed me respect and was sincere in trying to help me. He gave me his extension number of XXXX he also connected to the president hotline and I talked with XXXX ID # XXXX and she said they would look into it and contact me back before XXXX and she did. She told me that a supervisor listen to the recording of my payoff from XXXX and that I was XXXX correct and the issue would be handle ASAP and the negative remarks would be removed from my credit report and that I would not owe anymore money for my car since I paid it off in XXXX. I asked why was I never notified and it took me calling four months later and she could not answer that question. I also asked if I would receive my title she said yes. Today I received and letter from capital one auto finance that said notice of strict enforcement of contract rights defending {$270.00} from me or my car will be repossess. I think this serious abuse of Captial one trying to bully me and it 's not fair. Please look into this matter for me. 

Sincerely XXXX XXXX