davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/18 Wellsfargo Bank unfairly revoked my debit card after filing claims for non received merchandise from merchants transactions without ANY warning This is defamation & slander. I demand IMMEDIATE reinstatement of card ending in XXXX, or if not possible issuance of new card.
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It was on XX/XX/2018 and the charge me {$130.00} from XXXX XXXX XXXX company free phone free tablet it is a old account plus I have a XXXX I didn't know what i was doing back then I dont work at the moment can you please take that off my credit please and thank u I have too much hard credit on file at the moment I sent you something about a little bit more on my credit report.. please help me out thank u.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

U S DEPT OF ED/GSL/ATL // ACCOUNT NUMBER : XXXX is not accurately reporting my information to credit bureaus. Balances : {$2000.00} // {$9400.00} // {$5700.00} // {$6100.00} // {$570.00} DPT ED/AIDV // ACCOUNT NUMBER : XXXX is still reporting inaccurate information to ( XXXX ) Each Credit Bureau is inconsistent in how my information is being reported : On my EXPERIAN report / file, the account is showing Closed and in Collections On my TRANSUION report / file, the account is showing Closed with NO PAYMENT HAVE BEEN REPORTED ON THIS ACCOUNT BALANCE UPDATES are inaccurate : Experian is showing XX/XX/XXXX // XXXX is showing XX/XX/XXXX Payment history is showing Collections, Unavailable Data, and multiple inconsistencies. 


Also the CARES ACT of 2020 states that ALL STUDENT LOANS accounts are suppose to cease reporting to credit bureaus any information that will affect the borrowers.

My Credit report and Credit Score has been seriously affected by the STUDENT LOAN negative reporting. And my consumer rights were violated for unfair, inaccurate credit reporting. 

I have disputed report with the Credit Bureaus, but their response and updates are still inconsistent with each other even though they claim that the information being reported is sent from the same source.
Consumer complaint received 2022-07-18
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. (GA)

I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX : {$75.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} ; XXXX XXXX Balance : {$20000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (UT)

I fell behind on my mortgage a few years ago and then the pandemic hit. My mortgage company never offered me any sort of forbearance. I contacted a HUD counselor and she helped me with a loan modification. It took a long time going back-and-forth because every time we would send in what the mortgage company said we needed they would always say we were missing something. This went on for about three months. They finally excepted my modification on XX/XX/XXXX of 2021 and on XXXX XX/XX/2021 they told me my modification had been denied. Im not sure why because in my letter I had told them that I had one full years worth of payments I could pay towards my account. So if they were to take that and then they put me in the forbearance program and put missed payments to the back of my loan I wouldve been OK. When I spoke to them they told me pretty much that I had enough equity in my house that if they were to foreclose on it they would make money. I will admit I have had a lot of financial problems But I really am trying now. I have plenty of money to make my mortgage payment every month and Fay servicing does nothing except for XXXX you around. They are definitely not there to help They just want to foreclose on your home. Ive been in my home for 30 years and I definitely do not want to lose it.You call and half the time you cant get anybody on the phone. 
They told me that they was going to go ahead with the foreclosure unless I came up with {$32000.00}. I told him that there was a moratorium in place until the end of XXXX They told me that my investor does not participate and any programs like that
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the 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 accordance with paragraph ( 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. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-05-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NJ)

Professional Bureau of Collections of Maryland , Inc sent a notice on XX/XX/19 to offer a settlement of debt if I paid {$2900.00} by XX/XX/19. I paid the amount as directed by the due date, the check was turned into an ACH withdrawal and can provide evidence from my credit union account. They are still calling several times a day claiming that I still owe a balance of {$1500.00}. I have the settlement notice in writing. When I spoke to them on XX/XX/19 and explained there is a mistake, they said they see my {$2900.00} payment, but that they have no record of the settlement offer they sent to me. Also they are not confirming that the Department of Education on XX/XX/19 seized my XXXX Tax refund of {$500.00}, which should have reduced the amount of settlement I needed to pay.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (WA)

The two banks involved in this ongoing issue are XXXX XXXX XXXX XXXX and Goldman Sachs. The bank that has reported an unfair and unethical delinquency is Goldman Sachs. I opened an Apple Card with Goldman Sachs in XXXX of XXXX. Please note that prior to the reported delinquency I had never made a late payment on this or any of my accounts that are reported on. On XX/XX/XXXX, XXXX several months after the so called " late payment '' I received a notification that I had failed to make a payment on my account when I was not previously notified of this as had been told my payments were successful previously. I immediately made an additional payment on XX/XX/XXXX to rectify this and was told by a member of Goldman Sachs that this was an error on their part and that this would not reflect on my credit score/reporting by an employee at GS bank. Several months later I found out this was not true as my XXXX XXXX decreased for this very reason. I have talked to several members at both Goldman Sachs and XXXX XXXX XXXX XXXX and every time am told a different story where each bank places blame on the other for the failure in transaction and gives different explanations. I have been trying to resolve this issue for roughly 6 months and still have this reported delinquency where Goldman Sachs passes me between departments and submit an internal " dispute '' only to have another employee dismiss it because they're stating that the payment was not received with XXXX context of the situation whatsoever. I have also disputed this with XXXX twice who then circles back with Goldman Sachs who states that the delinquency is correct. Goldman Sachs states that XXXX marked the charges as " unauthorized '' and XXXX states that Goldman Sachs pulled from " someone elses account. '' Most recently this past week, I spoke with a very helpful member at XXXX XXXX XXXX XXXX who let me know that Goldman Sachs tried to pull the funding out of another members account ( please see attached letter from XXXX employee detailing the situation ). I am also attaching the emails I received on XX/XX/XXXX notifying me of the tardy payment several months AFTER the fact. I have also attached my bank statement from Goldman Sachs which details the payment for XXXX highlighted and several other confirmations I received. Please let me know if I can provide any additional statements/information.
Consumer complaint received 2022-07-18
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. (MD)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX XXXX : {$0.00} ; XXXX 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
Consumer complaint received 2019-05-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. ()

I opened my Savings Account with SunTrust Bank in XXXX in XX/XX/XXXX. SunTrust sent the XXXX form to me every year so that my husband and I could complete and return it. Around XXXX / XXXX XXXX XXXX had a protracted postal strike and our postal system all but collapsed. During that period we didn't receive these forms and I think this started our problems. We emailed SunTrust a letter instructing them to close our account and pay the money into our XXXX XXXX XXXX  account. 

SunTrust 's XXXX XXXX replied in an email on XX/XX/XXXX that our signatures didn't match the signatures on her records which is absolutely nonsense as they received our signed XXXX forms for at least 10 years. 

On XX/XX/XXXX we received a notice that the account had been closed and the money transferred to some lost property account!! We need assistance in tracing where our money was transferred to and how to get hold of it.
Consumer complaint received 2022-09-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MA)

I have a lease from Hyundai Motor Finance. 

On XXXX XXXX, we moved from XXXX XXXX to XXXX. In order to be registered in XXXX Hyundai has to provide the title to the insurance company. I put in my title transfer request about 6 weeks ago and haven't had any updates. However, Hyundai has already increased my monthly bill because of the change of address/states. 

Over this period the website says " Your request is currently being reviewed. Please allow up to 5 business days. '' I've tried several times to call and email and haven't had any response. 

Ultimately, I need this title provided because eventually our insurance will drop me. 

I'm worried because I've seen many, many online reviews of similar experiences with this vendor.
Consumer complaint received 2019-05-31
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: American Credit Acceptance, LLC (VA)

I have a loan with AMERICAN CREDIT ACCE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and AMERICAN CREDIT ACCE with no successful resolution. XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation (SC)

First Franklin is reporting a charge off on my credit report. The account was delinquent, and we agreed on a settlement amount. After I received my tax refund, I paid the agreed upon amount. I honestly did not know the settlement was supposed to be listed as " settled in full '' until a lady at the bank told me yesterday when I was trying to co-sign on a car for my daughter.
Consumer complaint received 2018-12-15
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. (NY)

Hello! My name is XXXX XXXX. On XX/XX/2018, because of a misunderstanding and non-professionalism of an employee at XXXX XXXX store in XXXX, XXXX XXXX XXXX, an unauthorized credit check was conducted on my report. Immediately after that happened, I contacted XXXX XXXX and XXXX XXXX, as well as I, opened two disputes at Equifax ( First : XXXX, Second : XXXX, there were even third and fourth ... ).

Later, on XX/XX/2018, after a proper investigation conducted by XXXX XXXX specialists, THE BANK HAS AGREED THAT IT WAS A MISTAKE and the bank has AGREED TO REMOVE that credit query from my history ( to change the status of it from hard inquiry to a soft inquiry ). They are supposed to contact Equifax with all information. In addition, they already sent 3 letters to me confirming this decision ( Letter from XX/XX/XXXX, Letter from XX/XX/XXXX, Letter from XX/XX/XXXX ). The bank specialist told me that it could take up to 6 weeks for a credit check to be removed from my history. I waited more then a months after each letter. I do monitor my credit history regularly, and surprisingly the hard check is still in my account. I even requested 2 copies of my annual credit report from Equifax.

Very upset about that situation and I feel like there is no other way like contact you and ask for a help. This inquiry reflected only in Equifax account. Other reporting agencies already removed everything, pretty quickly. Equifax claims that XXXX didn't send them any request about this change. However, XXXX   and XXXX received everything and removed wrong information.

Thank you. I hope you would be able to help me.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

We fell behind on our mortgage in XX/XX/2018. Our boiler broke, our dog got cancer and then they also raised our payment significantly over escrow shortage. So we missed a payment. They put us on a four month repayment program which was way too aggressive. I spoke to them in XXXX and they encouraged me to apply for a modification. Rep told me youre entitled to three and you have XXXX coming. He looked at our finances and said I dont know why they even tried this plan with you. So, we figured wed apply right after XXXX. We were still one month behind. I forgot that I had automated a payment for XX/XX/XXXX which somehow the bank cleared and it put us $ XXXX in arrears. Then the bounced check fees that piled in after - over {$800.00}. Then they mailed us a trial mod without even applying for XX/XX/XXXX. I called and said we cant do this. They said well get back to you and then they sold to mr. cooper. Mr. cooper couldnt give me any info until mid XXXX at which point they said the trial mod was still on the system. Wait until it clears out XX/XX/XXXX. XX/XX/XXXX they told me it still hadnt cleared out, but the problem was we werent paying anything. To make a payment by XX/XX/XXXX and then they would get approval to extend the modification. Well we did that and come XX/XX/XXXX it clears out of the system and I call the first week in XXXX and they say the modification is rejected for missed payment. Then they tell me they can resubmit for a modification, no promises. I still dont need to submit any paperwork! Well I logged in everyday and today I see modification is denied. I call and they have to transfer me to underwriting because they cant even understand the reason. Get a snippy underwriter on the phone who tells me the reason is they can not lower my interest or payment anymore. I tell her that that is not what we needed. We just needed to get caught up and she tells me thats not what a modification is for? I said well then why did they have me apply and what kind of help is this and she says theres nothing else mr cooper can do. Still have never submitted any documents! Every time I call and speak to someone they tell me something different or that someone will call me back.
Consumer complaint received 2019-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On Wednesday XX/XX/XXXX I called Transunion and asked to speak with the special handling department, before being transferred i was interrogated by a representative as to why I wanted to speak to someone from that department, I felt as though I needed to give her a good enough reason or else she would deny my request. After I stated politely that someone in that department could only help me she questioned me again, got silent after I didn't reply and she just transferred me rudely. At that time I began to speak to someone by the name of XXXX. I let her know that my call was in regards to a Transunion error and that I noticed newly re-inserted inquiries on my report in which I was not given prior written notification and that I wanted the hard inquiries permanently removed. I told her that the following inquiries needed to be removed because they've caused damaging affects to my credit report and score : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The representative constantly went back and forth with me stating that I have to make a dispute with the creditor when I assured her that it was an issue/error on Transunions behalf and that they violated Sec 611 of the FCRA. She refused to remove the inquiries.
Consumer complaint received 2019-05-29
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: JPMORGAN CHASE & CO. (TX)

Disputed a charge made on XX/XX/2019, by the XXXX XXXX for {$300.00}. Along with my dispute, I provided proof of payment for a higher amount made with an alternative payment method. The provided document shows provide the payment method used which is not the CHase card the dispute is being filed on. It also displays a final balance reflected of XXXX dollars, with a charge authorization code for my alternative payment method. Chase representatives have refused to complete the dispute, wanting my personal financial information from another bank. This demand represents a breach of my personal financial information which chase has no need of or right to. The invoice displays the last 4 digits of the alternative card used clearly showing it not the card associated with this disputed charge.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I am writing regarding inaccurate late payment entries on my credit report. I submitted a formal dispute of these items over 30 days ago and have not received any response or validation of these reported late payments. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to : XXXX. Investigate disputed items within 30 days XXXX. Provide validation of reported information XXXX. Correct or remove any inaccurate entries
Consumer complaint received 2019-05-30
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

sent the ftc and police report of the violation Account Name Original Creditor Open Date Balance Debt Contact Information 08 CAPITAL ONE BANK USA N A XXXXXXXXXXXXXX 08 CAPITAL ONE BANK USA N A XXXX XX/XX/2016 {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX-XXXX
Consumer complaint received 2019-05-29
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. (AZ)

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  partial account number XXXX. ( Please see pages 4 and 10 of the  attached credit report. ) I have already called XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX  have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.