davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
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. (WI)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required documents include a photo ID, a recent utility bill, and a letter from an advocacy group supporting me due to debt bondage related to XXXX XXXX. This situation is recognized as trafficking under the XXXXDebt Final Rule ( 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) ). I respectfully request that you remove this information from my credit report within four business days, in accordance with section 605C of the Fair Credit Reporting Act. I have provided my identification and the necessary information from the list of acceptable items, of which only XXXX are mandated by law. Additionally, I have included all required documentation, including a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Consumer complaint received 2017-11-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (CA)

In XX/XX/XXXX, my husband and I returned our leased XXXX XXXX back to the same dealership at XXXX XXXX in XXXX. This was within the 60 days early that we could return the vehicle. In XX/XX/XXXX we had the XXXX XXXX inspect the vehicle for damages and wear and tear. They cleared us of any damages and gave us a form of the inspection. By the time we dropped off the car, they dealer said we were good and did not owe anything on the vehicle, and when asked if we needed to do anything else, they said they did not know because they did not do leasing often. Then by XX/XX/XXXX, the XXXX XXXX company who did the finances to the car called to ask where the car was located, and we stated on at least 4 separate calls that the car was with the dealership and we had the paperwork from the trade in that the dealership had the car. This lasted until XX/XX/XXXX, when they called and said we failed to turn in the car and owed over {$800.00} back for damages to the vehicle. For the whole month of XX/XX/XXXX through XX/XX/XXXX we dealt with this problem, until the management and executives got involved after a BBB complaint was filed. The management waived the charges and said we were good and the account is cleared. They sent a final bill to us, but never showed that we did not owe the {$890.00}, nor a letter of good standing for the account as we requested several times. When we moved to XXXX for military orders in XX/XX/XXXX, on several occasions we received multiple calls stating that we owed roughly {$500.00} for the car. When we spoke to the manager, they read the previous notes and said they would waive the fees, and that we were cleared. I asked for a letter of the final bill again, and a letter stating that we are released of all liabilities and charges for the car. However, on the same day and the next day we received a call from the company stating that we still owed roughly {$500.00}, and then during the conversation they realized the note in their system and hung up. During mid XX/XX/XXXX, we received another phone call again from XXXX XXXX stating that we now owed {$310.00} in assessments fees. When questioned about the new charges, they stated that it was for the property taxes in XXXX from last year. I stated that we already paid the taxes for last year in full around XX/XX/XXXX and they said could not explain the charges anymore. They still said we owed that amount,  even after looking at the notes. Then on XX/XX/XXXX I received a letter stated that they have received all required payments a of XX/XX/XXXX. When I looked online at our account it still showed that we still had the payments for the XXXX XXXX.
Consumer complaint received 2017-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

In its response, Wells Fargo claims there is no problem with what they did and it 's all fine. That is not true. 

Paragraph 4 of the Note ( contract ) states that a prepayment which is to be applied to principal only can only occur when I tell the Noteholder [ Wells Fargo ] in  writing that I am doing so. I did not make such written instructions and Well Fargo admits this. Therefore the XXXX XXXX payment could not be a principal only payment and should have been credited as a regular monthly payment. 

Nothing in the Note ( contract ) prohibits me from making a payment early, as I did by paying for the month of XXXX in late XXXX ( XXXX XXXX payment ). If there was ANY confusion as to what this was for, Wells Fargo should have contacted me, but they did not. Indeed, the simple text of the Note ( a contract ) states that Wells Fargo will apply payments to interest before principal. This is stated in paragraph 3 of the Note, a written contract between the parties. 

Yet, in its XXXX XXXX, XXXX letter Wells Fargo states that it applied [ the XXXX XXXX payment ] to the principle balance ( p. 2 of its letter, middle of page ) and did not credit it to my account as it should have done. Wells Fargo violated our contract, and attempted to collect a late fee. I would like to know how many other consumers have suffered from such illegal actions by Wells Fargo.
Wells Fargo claims at the end of p. 2 of its letter that it handled my account appropriately, yet this is manifestly untrue as Wells Fargo violated the Note contract, and the CFPB should take enforcement action to ensure that Wells Fargo does not repeat such mischief. 

see XXXX which you closed without allowing me to reply!!
Consumer complaint received 2017-11-09
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. (MD)

Hello, The 90 days late from XXXX XXXX XXXX is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, XXXX XXXX sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have made several attempts to have the account closed and removed for a child support case that was closed over 4 years ago and is still being reported on my credit. I called said agency and was told the account would continue to stay open until I pay a XXXX $ application fee this account was opened in 2012. And was closed the follwing year yet has been reported incorrectly on my credit report for almost 5 years.the child was in my custody from the time of the account opening until its closure the account was opened incorrectly on my behalf.
Consumer complaint received 2017-11-09
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: AES/PHEAA (MD)

Hello, The 90 days late from Fed Loan Servicing is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, Fed Loan sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX
Consumer complaint received 2017-11-09
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. (PA)

On my credit file it shows on credit bureaus has me showing on pay status as a charge off in which means an account that is unpaid or unpaid debt. I do n't owe XXXX XXXX no balance in which I have a letter from them that shows a {$0.00} balance. 
I was mail my title from XXXX and I sold the car in 2015. So if I had a charge off how is it XXXX title mail my title and I have a letter from XXXX XXXX stating that my account was paid in full. 
Under pay status or status on my credit file there should not be no charge off showing there is no balance or money owed to XXXX.
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX, I made a special trip to XXXX XXXX XXXX because there was an issue with my money being direct deposited from my retirement account namely XXXX and a check was issued. I immediately deposited the check into Bank Of America through the ATM because there was at least a two hour wait to see a bank teller and absolutely no air or air conditioner in there XXXX XXXX Branch located in the XXXX. The check was a city issued check and was not an out of state check. To my surprise, the check is not going to clear until XX/XX/XXXX however they released half of the funds. I am being told that the check is out of state by a XXXX XXXX who is a supervisor for the Bank of America customer service located in Georgia. He reiterated that there is nothing that can be done about releasing the funds and no one can release the funds. I am caring for my XXXX year old mother and XXXX sister and that this is just not going to suffice. It is unethical and I believe illegal for them to hold my money hostage and I would like to file a complaint.
Consumer complaint received 2024-08-03
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. (IN)

I was looking at my credit report and i noticed errors on the report. i understand that you will investigate these errors for accuracy because they are hurting me and getting me denied credit when I apply. I am certain you will investicate to assure complete accuracy. 
Listed below is the account i would like you to investigate for accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX reported a 30 days late payment for the month of XX/XX/XXXX. The payment due date was XX/XX/XXXX. I made a payment on XX/XX/XXXX.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Lending Club Corp (UT)

this is as far as what happened XXXX XXXX XXXX at XXXX Utah, I am totally disappointed as this institution has the way to convince take advantage of the money of the parents, my daughter XXXX who attended to this XXXX XXXX from XXXX XXXX to XXXX XXXX I have not seen any change progress in their totally deficient in math and reading, my daughter grades with a totally low grade. The only thing that my daughter was taught was divisions that is it. 
They do not have trained teachers or a better teaching method for the student. 
Now they according to their record that my daughter took 73 hrs those 73 hrs is nothing based on what? they fix the hrs on their computer on their convinience, my daughter did not learn anything, I flatly refuse to pay XXXX dollars as the manager told me that I would have to pay that is not fair, I am a single mother I do not have financial resources to pay. 
I feel that they are stilling my money in combination with this XXXX XXXX XXXX phone number XXXX
Consumer complaint received 2017-11-09
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: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : The Bureaus XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Preferred Credit This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2017-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (PA)

Discover Student Loans recently changed its software program. As a result, the company did not migrate auto-pay and banking information for its customers to the new system. I did not receive notice of this until I logged on to my account on XXXX/XXXX/XXXX and saw that the payments for XXXX and XXXX XXXX had not been processed. I called the company that evening and they advised me of the software change. 

This loan entered repayment in XXXX XXXX when I graduated law school. I have made nearly eight years of timely payments. When their software deleted my auto-pay details, XXXX took away my on-time payment rate reduction XXXX 0.5 % ) and my auto-pay rate reduction XXXX 0.25 % ), which raised my interest rate from 3.5 % to 4.25 %. The representative could not guarantee that I would be allowed to have these reductions back, despite my years of on-time payments. 

I can only imagine that XXXX did n't undertake the likely simple process of migrating auto-pay information from its old system to its new to be able to take advantage of higher interest rates, late fees, and penalties from its customers. Fortunately, I noticed the missed payments before being assessed any late fees or penalties, but I 'm certain many others will not notice in time. The company told me they begin assessing fees and penalties after an account is 60 days delinquent. 

I would like my rate reductions restored, as I believe the company engaged in this practice with the intent of raising rates and assessing penalties and late fees.
Consumer complaint received 2017-11-09
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)

I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the CFBP.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Adler Wallach & Associates, Inc. (PA)

I 've been the victim of ID theft, I have had all of my personal information compromised and lots of accounts opened in my name and also and IRS fraudulent tax return filed. I have a recent dispute the credit bureau because of have dispute some fraudulent accounts with them and they have yet to remove them from my account. I 've sent them police reports and other supporting documentation ....
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BLACK HILLS CHILDREN'S RANCH, INC. (FL)

On XX/XX/XXXX my payment of of {$290.00} was received by Pioneer Credit Counseling, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to XXXX XXXX XXXX on or before XX/XX/XXXX but was not. The payment of {$8.00} was finally made to XXXX XXXX XXXX on XX/XX/XXXX. This now shows up as derogatory information on my credit report for being a month late.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

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 15 USC 1681. 

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 a 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.
Consumer complaint received 2017-12-16
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: ENCORE CAPITAL GROUP INC. (OH)

I recently dicovered that my identitiy has been stolen and there was an account opened up with XXXX XXXX years ago. They are saying that I owe them {$810.00} and I never had a XXXX XXXX account in my life! 
They eventually sold the debt to XXXX XXXX and I just recently discovered this whole ordeal on my credit report and disputed it with XXXX XXXX The Denver Police Department and even tried calling XXXX XXXX. After 3 phone calls with XXXX XXXX I have decided to report how rude and awful they were to me and nothing has been done about this identity theft. I first reported it to XXXX more then 4 months ago and it is still dragging down my credit score. Now I am in financial limbo with no help. XXXX XXXX needs to take this off my credit record! I am a victom and they are really awful to innocent people.
Consumer complaint received 2017-12-16
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.
Consumer complaint received 2017-12-16
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. (TX)

On XXXX XXXX as of XX/XX/17 there is an address linked to my credit which I have never resided at. XXXX XXXX XXXX XXXX XXXX texas XXXX. I would like it removed from my records.
Consumer complaint received 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

I have an American Express Blue Preferred credit card. When it recently renewed, I was charged the {$95.00} annual fee. I am never late with payments and never incur any finance charges ; however, I incurred a modest interest fee last month because the annual fee is treated as a cash advance and begins accruing interest when it is posted to the account. There is no possible way to avoid the assessment. 

I lodged an inquiry with American Express and they have since credited the interest back to me ; however, this policy strikes me as unfair, though probably very profitable for American Express.
Consumer complaint received 2017-12-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (NY)

Sallie Mae is quick to charge me ridiculous rates for my student loans, putting me into massive debt, but they ca n't adhere to their own customer service policies. On their website, which is the only way to get information about them, it states the wrong phone numbers and wrong operation times. This makes it nearly impossible to pay my loans on time on a regular work day schedule. After an hour going through an automated phone message, which had no options for speaking to a representative, only by going through the " change address '' customer service number was I able to find out that they closed 8 hours prior to when the website says they 're open until.
Consumer complaint received 2017-12-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices of Frank J. Maier & Associates (MA)

XXXX XXXX XXXX amount of {$14000.00}. I have sent XXXX XXXX XXXX a debt validation on XX/XX/2017 and XXXX XXXX XXXX has not responded. XXXX XXXX XXXX then took me to court on XX/XX/2017. I have no knowledge of this debt.