davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

This conns account was originally removed in XX/XX/XXXX. It's been removed and put back numerous times which is shadowy the law. I've reported that the information being reported is incorrect. Experian keeps saying is verified. 
XXXX. The account says XXXX. Ordinal bal. Not true that last payment was XX/XX/XXXX. But reporting XX/XX/XXXX. Pay history is complete incorrect no payment reported XX/XX/XXXX which isn't true. They keep updating the bal and the status of the account. Why do you update the bal on a charged off account. What changed in the balance. This is fraud. I demand this account is removed from my consumer reports immediately. If they've written this account off for more than I owed using that against the law. They said I owed XXXX. But they wrote off over XXXX if they've been paid by the irs and the ain't is really written off then they've been paid in full and can't keep reporting paid account. If they've received a tax benefit for this account and is been paid it needs to report paid in full XXXX XXXX. That's tax fraud to write off more than the balance owed. Now if it's not been written off then it can't report as so correct? Well that goes against truth in lending reg z and is devalue my character. Will provide XXXX is the amount I financed. This company sells horrible cheap over priced products and or right lie on consumer reports. Well I'm making ag federal case it if it today. We will get to the bottom of this.
Consumer complaint received 2022-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

There has been an account opened in my name as a result of identity theft. This account has been open according to XXXX Credit Report since XXXX. I have sent XXXX several dispute notices by mail. This issue has not been resolved so I contacted the actual creditor ( AFFIRM INC ). AFFIRM INC Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX I have no financial ties to this company, as I have stated this was a result of identity fraud. They have yet to send me the original contract with my signature on it, nor have I received the itemized billing associated with this account. Lastly they have yet to send me proof of ownership from this debt.
Consumer complaint received 2022-07-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2021-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I used a swift transfer to transfer money from the Bank of America to my bank account in my home country. It was made on the XXXX of XXXX of XXXX  in the office of Bank of America, XXXX XXXX XXXX, XXXX. I transferred XXXX US dollars. Relationship Banker, XXXX XXXX, told me that after 5 working days I will receive money, but I did not. I want to contact them and solve this problem
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I accepted Covid relief offer for forbearance and was told repeatedly that one of the options for settling that forbearance was to add the final amount deferred to the end of the loan. However, when I started that process in XX/XX/2021 the forbearance was extended again and they told my ex husband and I to contact them in another mth. or so to settle the forbearance and begin making mthly payments again at that time. I think what we were aiming for as we resolved the Covid was referred to as a SIMO ( simultaneous modification/review/assumption ). This process was to have taken care of theCovid forbearance being added to the end of the loan, make my payments more affordable as I am now a single income senior and enable me to preserve my only home while also having me confirmed as successor ( unfortunately due to a divorce ) all at the same time. Again, I was told repeatedly that adding the balance deferred to the end of the loan would be one of the ways offered to resolve the forbearance. As already mentioned, I am a senior and have limited income and earning potential at this point. This is my ONLY home ( as well as my daughter 's ) and it is of the utmost importance that I not be taken advantage of or lose my home due to the historically complicated times and the Wells Fargo system that could have instigated a riskto losing my home. I have spoken with 4-5 different departments on any given day at Wells Fargo often getting bumped from one to the other up to ( 4 different people in hours long telephone calls ) on many days. Please help me get this resolved so that I am not in danger of foreclosure or losing my only home in my senior years after accepting what should have helped me ( the Covid Relief ) but now seems possible to be an instigating cause threatening my loan and the of loss of my home. It has yet to be able to be resolved through the bank. I am not sure if it was the unfortunate divorce that has complicated it a bit more or what but I do feel and have repeatedlymade clear that I need someone to help me keep my home at this most critical juncture. I have pages of names, dates, etc should any of that be needed but have felt tossed carelessly about from one department to the other and still no resolution through Wells Fargo. That is why I am reaching out to you for help now.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XX/XX/year> i sent a letter to XXXX XXXX to the address being reported on my credit report from the credit bureaus asking for validation of debt ... XXXX XX/XX/year> this letter was returned to me saying that the address being reported is incorrect... the bureaus are required by law to provide 100 % accurate information on the credit reports which includes contact information to the creditors that are reporting and this is inaccurate and wasted 3 months here causing me financial damages... ..i have attached photos as proof
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have an account with XXXX XXXX XXXX XXXX that was awarded to my wife in our divorce on XX/XX/2014. I notified the bank and they were suppose to stop reporting on my credit report as I was no longer responsible for the account. They continue to report this account as a charge off since my ex wife let the account go. She original owed {$7200.00} she paid about {$770.00} because now the balance is {$6400.00}. I have n idea if this balance is accurate as I have no contact with my ex wife.I have written to all three bureau several times asking for the removal of this account and have even provided a copy of my divorce decree for them.
Consumer complaint received 2022-07-31
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. (CA)

On XXXX I Checked all three Credit Reports from XXXX, Transunion XXXX Online at XXXX I noticed several fraudulent Accounts, Names, Addresses and Phone Numbers, someone apparently obtained my personal info and used it to open fraudulent credit accounts in my name! 
XXXX Accounts : XXXX. XXXX XXXXXXXX XXXX XXXX. Acct XXXX Opened XXXX XXXX. XXXX XXXX XXXX Opened XXXX XXXX. XXXX XXXX. XXXX XXXX Acct XXXX Opened Unknown XXXX. XXXX XXXX XXXX Acct XXXX Opened XXXX XXXX. XXXX XXXX  Acct XXXX Opened 2018 XXXX. XXXX Acct XXXX Opened Unknown Fraudulent Names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Addresses 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 Fraudulent Phone XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Fraudulent Employment Names : XXXX. NJ XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-16
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)

CFPB Complaint Against Experian Filing Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/year>, I filed a dispute with Experian regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, XXXX processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from Experian was unsatisfactory, vague, and did not address the specific questions I raised. 
Experian Response : Experian used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Experian stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... Experian MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Experian provided a generic response about their standard procedures rather than directly answering the questions I posed.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

The Companies involved include XXXX and XXXX. 
XXXX inherited this issue from Fed Loan. 

As of XX/XX/XXXX I completed my 120 payments for loans 4 and 5.

I submitted in July my paperwork indicating I was still working for a public service agency. 

After finally, correcting its miscalculation in August Fedloan credited me for 2010 payments. 

Still they credited me up to XX/XX/XXXX. I am fine with that. But I should not have to submit anything more to start the formal loan forgiveness. As my employer already signed a form in XX/XX/XXXX. 

I am attaching what I submitted at that time. 

Please note the forms were used to credit me for 120 payments and therefore the signatures and information should be sufficient to forgive my loans.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

1. Based on the TransUnion website description, I could get the free report of my credit score. Then I signed for it. But I don't remember if when I signed for the credit report, I signed an agreement for a credit monitoring service for XXXX a month. If I did, TransUnion must have hide it somewhere so that people won't notice that as they never sent me the bill/receipt/invoice. Nor does this information show on my monthly credit monitoring report. 

2. After that, I received the monthly credit monitoring report. I never realised it was charging me XXXX as the report showed nothing about the fee and they never sent the bill. TransUnion charged me for XXXX USD every month for credit monitoring from XX/XX/XXXX to XX/XX/XXXX. I thought the XXXX was some insurance fee and didn't realise it was for the credit monitoring service. 

3. After a few months, TransUnion secretly changed the fee to XXXX USD per month until I found out, starting from XX/XX/XXXX to XX/XX/XXXX. Again I never received notification or a bill or receipt or invoice for the change during the period. 

4. At first, I don't know how to cancel the service. Finally, with much effort, I found a website telling me how to remove the service from their list. The cancellation is almost like breaking a secret code. It is very time-consuming and complicated. I am sure many senior people, like my parents, could not fix that. 

5. I just knew that I could file a complaint here. And I believe many other people will fall in the same trap as I did. I hope my experience will help them. 

6. It is NOT a decent way to run business. TransUnion should feel shame about themselves. 

Thanks.
Consumer complaint received 2022-03-15
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 — Was not notified of investigation status or results
Company: Convergent Resources, Inc. (FL)

My credit profile shows I owe XXXX {$450.00}. I contacted their best collection agency Converegnts to request proof of this debt because I don't owe anything. I also told them I am a current customer of XXXX, as I have been for years. There is no way I should have been granted service without paying an alleged " prior debt '' in total. 

On XX/XX/2021, I sent Convergent a Certified letter requesting proof of this debt. I received a few bills that state I owe for a DVR box that I never had, a returned modem, and a fee for terminating the contract early. When I returned the modem, XXXX did not provide me with a receipt from the local XXXX store. 

The agent at my local XXXX  store in zipcode XXXX claimed it was too long ago, and they have no record of my account information in their system. I sent another detailed certified letter to Convergent  dated XX/XX/2021. The letter requested that they again provide me the information I asked of them in the certified letter dated XX/XX/2021. 

I also request they provide the alleged proof of Service Contract Agreement I Authorized, XXXX XXXX Contract Terms/ Date, Unreturned Modem Serial Number/ Make/ model, Proof Modem Was Not Returned, XXXX Serial Number/ Make/ Model, Date XXXX Provided DVR and method XXXX etcetera. 

Today they still refuse to respond with the requested information. Why? Because it doesn't exist. The printed bill invoice only stating I owe for a DVR, modem, and early contract termination isn't sufficient. Billed invoices are not enough proof.
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

I contacted this company and have disputed in the past. This account was resolved with the company Discover Bank. I will attach a statement from Discover Bank. 

XXXX XXXX Account XXXX. XXXX On XX/XX/2015, A company shown as Discover Bank was reported to my credit report per Credit Report. I have never signed an agreement with this company, and Nore have I ever heard of it. Upon further research, the debitor 's creditor did not verify this collection. Also, there was NO written form of communication/contract or written signature for this accused debt at ALL. A bill without a ( written ) signature does not validate the debt as anybody can send an invoice and say it's min. According to FCRA, this company has violated my rights as a consumer. I'm looking into taking legal action to remove the fallacious account from my credit report immediately! I wanted to see if my dispute could be resolved by taking all necessary steps before taking drastic action.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (IL)

It has come to my attention that several accounts have been opened without my permission, and I have unfortunately fallen victim to fraudulent activity. 

In light of these unauthorized account openings, I have taken the necessary steps to report this incident to the authorities by filing a police report and submitting a fraud claim report to the Federal Commission. However, I am reaching out to request your urgent assistance in conducting a thorough investigation into these fraudulent accounts and taking prompt action to delete them from the system. 

The unauthorized opening of these accounts has not only caused me undue stress and concern but has also put my financial security at risk. As such, I urge you to prioritize this matter and make every effort to rectify the situation at the earliest convenience. 

I kindly request that you provide me with regular updates on the progress of the investigation and the status of the accounts in question. Additionally, I would appreciate it if you could provide me with information on any additional steps I should take to safeguard my personal information and prevent any further unauthorized access. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take the necessary actions to resolve it effectively. Thank you in advance for your prompt attention to this issue.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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: EQUIFAX, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

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 2022-07-31
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. (FL)

On XX/XX/2022. I checked my credit score on XXXX XXXX and saw a Credit Card opened on XX/XX/2022, for a credit limit of {$4000.00} that was 97 % used up that I had never opened and had never used. This told me that someone stole my information to open this credit card and that I am being a victim of Identity theft. This caused my credit score to drop XXXX points. I already contacted the bank in Oregon, XXXX XXXX XXXX XXXX, to let them know this credit card was open fraudulently and that it was identity theft. I as well contacted all three credit bureau to let them know that I was a victim of Identity theft and put a fraud alert on my credit and as well dispute this Credit Card and restore my credit score. 
I contacted my local police department to make a report. The officer in XXXX told me to file a complaint with XXXX, which I did.
Consumer complaint received 2021-09-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

On XX/XX/XXXX, I scheduled an appointment in XXXX XXXX because I wanted to pay off my Nissan 2018 Leaf lease ending on XX/XX/XXXX. That day, My husband and I got a new loan for the remaining balance. Also, We had to come back twice over the following two o three weeks to sign the paperwork again because the Finance person forgot to include some coupons. On XX/XX/XXXX, the last payment of the lease ( {$710.00} ) was withdrawn from our account because we had automatic payments ; for that reason, I called NMAC ( Nissan Finance Company ), and they explained to me that since we got a new loan, the dealership would be care of the refund of the last payment. Immediately, I called XXXX, and the person in Finance said that once XXXX finished all paperwork, they would refund us that amount. Two or three weeks later, I called again the person in Finance said I should call the Accountant person who never answered her phone, nor called me back after several messages. One week later, I sent an email to the general manager, and five days after, the sales manager called me saying he would review the case. Five days later, I sent him a text message, and I never got a reply. After exposing my case on social networks, I got a phone call from someone who asked me again about the issue. He said he would call me back, but after two months, nobody is taking me into account, giving me an answer or an explanation. I want my {$710.00} back. I don't have to pay twice for paying off my lease following the due process.