davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (UT)

Each and every year, I need to resubmit paper work to my student loan servicer to requalify for XXXX XXXX XXXX ( XXXX ). At least twice in the past, the servicer has either not filed the paper work in a timely manner, or completely lost it. This has resulted in interest being capitalized onto my loan. The first time it happened ( they lost or forgot about my application ) I called customer service, and they reversed the capitalization. The second time, last year, they were given the paper work in time ( more than 10 days ahead of the due date ), but did not process it in a timely manner. This resulted in interest capitalization onto my loan. I called customer service, and was not able to get any help at all. They would not even listen to my issue. I then sent a letter, with proof of my timely submittal, but I have not heard any response. 
Not only is the capitalization an extreme burden to me trying to pay back my loans, but each time XXXX does not process my paperwork in a timely manner, the actual terms of my loan are reset to essentially zero. All of the work I had done in the past to keep things straight and on time is ruined, AND they get to charge me more for the loan. It's almost as if it is in their interest to not file my paperwork on time. It makes them more money.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (OR)

On XXXX of XXXX  I filed a dispute for a charge for a service I never received /item never received and submitted all required documents in timely matter when requested and investigation has taken over 6 months which breaks the prepaid card rule and i was never updated every time I called and was told I would have a resolution by the end of day each time I called and no one contacted me and they said I didnt need to do anything else. This is predatory abuse of consumer.
Consumer complaint received 2022-09-26
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. (TX)

I sent letters to XXXX, XXXX and TransUnion on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (GA)

I purchase a XXXX XXXX from Carmax in XX/XX/XXXX. The car was a lemon came from Florida, it was also purchased for 3000 plus dollars by a consumer name XXXX XXXX in XXXX. Also I found a complaint filed with Flordia OFFICE OF ATTOTNEY GENERAL on XX/XX/XXXX. Dealer name XXXX XXXX. This vehicle was sold to me on XX/XX/XXXX. I am a senior and fiked Chapter XXXX Bankruptcy on XX/XX/XXXX. Carmax is trying to collect on this vehicle and Exemptions was applied. The car is not being reported because they know they are crooks.I can't live in a lemon car.
Consumer complaint received 2021-06-07
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. (LA)

On my XXXX XXXX on all three credit reports are reporting different last activity dates I disputed all reports and XXXX TransUnion and XXXX told me it was verified how can it be verified if the same account has different reports they did not verify reports TransUnion Last activity date XXXX XXXX XXXX. 
Last activity date XXXX XXXX XXXX  Last activity date XX/XX/2019 2019
Consumer complaint received 2020-10-24
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: Consumer Portfolio Services, Inc. (OH)

This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, CONSUMER PORTFOLIO SVCS, INC # XXXX, XXXX/XXXX/XXXX  # XXXX, XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc (TX)

This company is trying to charge me excessive amount of late fees and additional administrative costs to pay off this debt and continues to charge monthly additional fees on top of the debt... I do not have any agreement in writing or they do not have an agreement that verify the validity of the debt in the first place. They can not prove that I agreed to anything. They do not have this paperwork that they can furnish i have asked for it. Please help me to stop this collection agency from these false claims and erroneous charges. I will be charged XXXX a month until it is paid according to them and the XXXX association who i tried to call today to clear this up and they said there is nothing they can so to help me out.. They also continue to increase the XXXX fees every year.
Consumer complaint received 2020-10-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (SC)

Scammers used my identity information applied for a personal loan online on XX/XX/2020, {$10000.00} in Wells Fargo. Account No :  XXXX Scammers stole my identity information due to house purchase payment, scammers not only scammed money but also fraud online loan application.
Consumer complaint received 2024-10-12
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. (OH)

XXXX XXXX Opened XX/XX/XXXX {$1100.00} XXXX XXXX  Opened XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1900.00} XXXX XXXX Opened XX/XX/XXXX {$2000.00} XXXX XXXX, XXXX. 
Opened XX/XX/XXXX {$2400.00} Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information.

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

Its unbelievable that neither the credit bureaus nor the companies involved can recognize this as fraudulent. Why would I open three credit accounts and go delinquent on all of them? If these accounts are old, its illegal for any company to change the original open date to a recent year just to reset the seven-year period for negative items to remain on my credit report under Ohio law . That, in itself, is fraud. Additionally, the reported delinquency for XXXX XXXX showing as XX/XX/XXXX doesnt make any sense.
Consumer complaint received 2022-09-27
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX WAY XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4000.00}, XXXX XXXX XXXX Balance : {$660.00}, XXXX OF MO XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX OF MO XXXX XXXX : {$0.00}.
Consumer complaint received 2020-10-24
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 (CA)

To whom it may concern, As I was checking my credit score on  XXXX XXXX, I noticed an open consumer account named : CAPITAL ONE/WALMART with a balance of {$3300.00} and limit on {$3900.00}. I have had 2 Capital One accounts before that are now closed. In fact, I should no longer have any credit cards, loans, etc open as I have recently filed for bankruptcy that has now been discharged ( case # XXXX ). I suspect this is fraud as I do not recall ever applying for any Walmart card. Also, it appears that payments are being made monthly to the card. This card was apparently opened on XX/XX/2014 ( 6 yrs, 1 mos ). 

I would like this removed from my credit record as it does not belong to me nor have I ever opened or co signed for this. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2022-02-15
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: Experian Information Solutions Inc. (MI)

I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} Bankruptcy Chapter XXXX Bankruptcy XXXX Asset Amount : {$0.00} XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )
Consumer complaint received 2024-09-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received a letter from the IRS ( XXXX ) stating that Bank of America had let them know that I received income interest that I didn't report in 2022. It references account number XXXX which is not my account number, it doesn't sound like an account number at all. I don't have any interest income and did not receive the 1099-int form that the IRS is referencing.
Consumer complaint received 2020-10-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc. (NY)

XXXX I received the letter state that " we have tried to contact you '' ( that is false ), to collect debt from hospital ( service date XXXX ). 
There is no medical bills, no explanation, just order to pay {$2700.00} before XXXX. 
And threads that this is " amicable manner '' Company represent itself as PCB XXXX XXXX XXXXXXXX, XXXX, NY XXXX ( XXXX ) XXXX XXXX I have medical insurance, and I never received any " bills '' from hospital, that PCB "  represents ''. Beside that - hospital has my insurance information.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

On XX/XX/2020 I received a notice that I did not have proof of insurance. I then submitted proof that I had insurance, but they force placed insurance for the time that I was unable to prove. They stated that I signed a document that they still have failed to show me where I signed for this. Select Portfolio Sevicing sent me a notice and an amount of XXXX for insurance that was back dated. They charged my account XXXX. How is a company allowed to charge for insurance on dates that have already past with no claims? Also, I have paid out of pocket for claims that I could have submitted. In conclusion, I am still waiting for my proof of signature that would even allow to back date insurance. 
If this is legal, then I would like to take out life insurance on family that past away!
Consumer complaint received 2022-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (GA)

I am enrolled in AutoPay with XXXX Mortgage and early in XXXX, I added a replacement bank account for the autodraft. XXXX XXXX 's website, I specifically set the new account as the default account and checked on this more than once in XXXX, way before the draft date of XX/XX/22. XXXX 's site would not allow me to delete the original account. On the draft date of XX/XX/22, they attempted to draft the mortgage payment from my original account which was depleted. My bank charged me an overdraft fee of {$35.00}. I called and talked to the XXXX web services team on XX/XX/22 and they told me that they would need to wait XXXX hours before they could make any adjustments to my draft settings in their system. On XX/XX/22 the XXXX system attempted the draft from the same original account, and due to insufficient funds, I was again charged a {$35.00} overdraft fee. On XX/XX/22 I again called and talked to the web services team multiple times to try to fix this problem and somehow in the process, my online account was deleted. I had to re-register with XXXX 's site. 

I immediately re-registered for XXXX and wanted the mortgage payment to be autodrafted from my bank account on a set date every month. It appears their system is still not working. I use this bank account for multiple autodrafts every month and never have a problem, except with XXXX. I have verified and re-verified my bank information in their system. But the autodraft is still screwed up. And in the meantime i am getting hit with late fees and credit reporting to the reporting agencies. 

Over the last two plus months I have used their message system on their website trying to resolve this and submitted the requested docs. Then all of a sudden they go silent on their message system and start with the threatening letters by mail. I have called multiple times wanting to resolve this and am told i need to speak to a supervisor. One is never available so I request that a supervisor call me so that we can resolve this. Have not received a call yet. Just threatening letters in the mail. 

I owe them 3 months payments which i am more than willing to pay, but need to get these issues resolved. 

I am requesting a phone call from somebody that can research my account history and has the power to make a decision. 

I am also requesting they drop all late charges, and reimbursement of overdraft fees from my bank. 

I am also requesting a withdrawal of any and all credit reporting to any agency that has been reported to. 

Thank you. XXXX
Consumer complaint received 2019-04-24
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

I have been in an ongoing dispute with Ally Financial concerning an end of lease charge for tire wear wherein Ally showed referenced the wrong vehicle on their website, etc.. Once bringing the matter to their attention, mysteriously, the website was no longer available for viewing. Since it is like speaking or dealing with robots we settled this matter for {$410.00}  on the condition that the charge would not be recorded on my credit report. This week I had a credit report pulled and low and behold Ally shows the {$410.00} as a charge off as a bad dept rather than settlement as agreed together which is infuriating. Ally has lied continuously throughout this process so would hope the CFPB would reprimand this thieving organization accordingly, thanks ... .. BTW the account is Ally Financial Account # XXXX
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom it may concern I am starting a new job and I recently had a security check on my background and addresses found out that the are inaccurate addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX XXXX, SS XXXX. My current and only address is XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX. 
Please delete the following addressses they are not mine never lived there : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following phone numbers : ( 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 2022-09-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank lowered credit limit from XXXX to XXXX. This was on XXXX XXXX when I tried using card and said was suspended. Didnt rec bill for XXXX when bal was XXXX. Said they got credit report and it had changed since I got card. That is incorrect. When I asked for information why wasnt notified or agreement doesnt have that information. This caused my utilization to change and my XXXXredit score lower 4 points. Rep wasnt able to answer why to any questions. Bill has always paid on time and some months no balance. XXXX XXXX has Rewards program and lowering credit limit automatically disqualify me from taking advantage of Rewards and that is discrimination. No letter or email notifying me of any changes. Changing credit limit to XXXX and I charged XXXX before it was lowered is what made marks against my credit.