davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
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. (CA)

I had an account with XXXX XXXX, that was charged off in XX/XX/XXXX.
XXXX bought this debt in XX/XX/XXXX They are reporting it as XX/XX/XXXX I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was XX/XX/XXXX.
This is the only negative on my credit report. They deny that this debt is also out of statute.
Consumer complaint received 2023-02-26
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. (GA)

This is a general complaint with how my Experian FICO score is impacted by paying off the monthly balance on one of my cards. I currently hold several credit cards with XXXX balances and use one regularly. What I have noticed is that if I leave a small balance on the card I use regularly, my Experian FICO score isn't negatively impacted. If I pay off the card in any given month and my statement shows a XXXX balance, then my Experian FICO score drops substantially. 

For instance, this month ( XXXX ) I had a small overpayment of {$7.00} on my XXXX XXXX  XXXX  beginning with XXXX on Experian 's website, so my XXXX statement balance for that card on XX/XX/XXXX was - {$7.00}. That is the only balance I had on ANY of my credit cards. On XX/XX/XXXX, my Experian FICO  score PLUMMETED XXXX points because of the negative balance on this card 's statement. This is egregious. Paying off the balance on a credit card ( not closing out the account ), should not cause this type of drastic reduction in a FICO score. It's like you're being punished for being responsible. 

I realize this is most likely a problem with all credit reporting agencies, but I have noticed it happening like clockwork with Experian. I would like to know if anything is in process to " fix '' this problem. When the FICO score is so prominently used when applying for new credit or loans, I would hope something is being done to remedy this issue.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I had a judgment on my account from XXXX XXXX XXXX that was removed because of the insufficient identifying information that is required for the account to be reported on my credit report per the new law change effective XXXX XXXX, 2017. They had this judgment twice on my credit report. As a judgment AND an account ( in which it was only a judgment ). This judgment that is currently being reported improperly needs to be removed immediately off my report.
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TOTAL MORTGAGE SERVICES LLC (VT)

Total Mortgage serviced a mortgage for a period of time in 2016 on my house. They have been unable to furnish my tax document for the interest I have paid. I tried calling them, their phone consistently bounces me to their sales desk with someone looking to take my personal information to have a loan officer call me back. They can not give me the number nor can they connect to someone in customer service. They say that they are giving me someone in customer service, but the phone number merely connects right back to the sales desk. This happened more than once. I got a call back from a loan officer and the number used was a local number. The sales rep was located in CT. I think that is a deceptive sales practice. I just want my tax document. It should have arrived by now.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MO)

Originally, I opened a single checking account at Wells Fargo. Agents of Wells Fargo then began opening new checking accounts and credit cards in my name, going so far as to move my balances around the different accounts. When I asked them to close all my accounts, they stated they would, but never did. This resulted in overdraft fees, and a huge negative impact to my credit.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

While booking a flight with XXXX, I was targeted for a XXXX miles + {$100.00} bonus ( after a minimum spend of {$1000.00} in first 90 days ) for the XXXX Visa Signature card. Seeing the alluring offer and the great bonus that would have reduced the cost of my current purchase, I applied via the online application and got approved after the usual credit check. I proceeded to use my newly approved credit card for my XXXX purchase - and all went smoothly. 
After about an hour of not receiving any email from Bank Of America ( the credit card issuer ) or XXXX congratulating on my approval, I searched the internet about the reviews of the credit card and found a cautionary blog ( XXXX/ ) informing me of the unethical advertising scheme that I just got trapped into. The author writes about his experience of applying for the Visa Signature card ( with XXXX miles + {$100.00} bonus and plenty of frills ) but getting approved for the " Visa Platinum Plus '' card - which is a lower end credit card with NONE of the advertised benefits or bonuses applicable. 
Really wary of this fraudulent marketing, I called up Bank of America reconsideration line and the consumer representative confirmed that I was not approved for the Visa Signature card but for the inferior Visa Platinum Plus card - which has none of the bonuses/benefits that led me to apply for a new card in the first place. The Visa Platinum Plus card does not appear on Bank of America/XXXX websites and there was no way I could have known that I would be getting no benefits at all. 
I am reporting this swindling " bait-and-switch '' marketing plot by Bank of America/XXXX where consumers are lured by high bonuses and embellishments but are not informed that they will be approved for the worthless inferior Visa Platinum Plus card.
Consumer complaint received 2017-07-31
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: MIDCOUNTRY FINANCIAL CORP (NC)

XXXX XXXX {$5000.00} Under the Soldiers and Sailors Civil Relief Act I contacted XXXX XXXX in  XXXX 2012 to notify them I was going on a XXXX and submitted the regard documents. The company fail to honor my contract under the Soldiers and Sailors Civil Relief Act while being XXXX to XXXX and the clause of the contract that I paid extra fees in case I got injured. I got injured in XXXX and the company fail to honor the clause of the contract as well. As a veteran I contacted to the company to retrieve some information about my account and why they did n't honor the Soldiers and Sailors Civil Relief Act as well the clause of the contract and someone hung the phone up on me. This company continue to this day to report false information on my credit reporting file as a charge off causing me financial difficulties. XXXX XXXX {$0.00} Under Soldiers and Sailors Civil Relief Act XXXX XXXX also fail to suspend my account while serving in XXXX that led to additional charges that we made on my account without being notified. I file a complaint with the BBB and the XXXX XXXX. stated to me that they have no record of me coming into there establishment to cancel my account and that they normal shred the documents the same day. I stated to the rep. I came me as customer and submitted the proper documents why should I be held accountable and not your rep. He simply stated to me that it 's not his business fault it 's mines and send him a copy of my orders. I simply responding by saying " You let fraudulent activity continue on my account for numerous months and fail to reach out to me but soon I come home from a 12 month XXXX I have a bill that 's in collection from XXXX XXXX '' after I came into your establishment and provided the proper documentation. Now I have to contact the XXXX XXXX XXXX and track down some orders from 5 years ago. I do n't think that 's fair for any service member that 's serving overseas to come home and receive a letter stating you owe and debt that you were n't aware of when you simply done the right thing. I paid the account and brought it to a XXXX balance in order to close on my home because, I did n't want this to affect my credit file but I want XXXX to remove this from my credit.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (NC)

I filed a complaint with the CFPB last year into Genesis FS Card services. After receiving a letter from the company in regards to my complaint, I as well as the CFPB was informed this information for XX/XX/XXXX would be corrected to show as on time as the missed payment was due to an acknowledged company fault. The company not only did not honor this, but they are now reporting 60 DAYS late to XXXX and remains 30 DAYS late to XXXX. XXXX remains accurate at a 100 % on time payment standing. I have tried disputing this with the credit bureaus and even provided the letter given to me as well as the CFPB, but the company still refuses to update, even after they agreed to. I am filing a second complaint with them and would like to request investigation by the CFPB not only for false reporting, but also fraud as the company has told the CFPB one thing, but is taking another. Furthermore, the company keeps deleting my email information and contact information, preventing me access to my online account to make payments and review my account history. This took place after my first complaint was made and continues. I have to call and have my account unlocked every month to make a payment as no other payment options are available. The keep telling me it is due to a website issue, however I have spoken to other card holders and this is not the case. When I questioned an employee, I was told this was due to my complaint. My next step is a class action lawsuit if the CFPB can not help me and the company refuses to fix the issue they caused. A scan of the letter sent by GENESIS FS CARD SERVICES has been attached. Screenshots of the reporting as of XX/XX/XXXX have been provided as well. T
Consumer complaint received 2023-02-26
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. (TX)

I called to settle a collection account with XXXX on XX/XX/2023. I paid {$510.00} to settle the account and have it closed so it no longer reports late payments to the credit bureaus. Once I paid it, I called XXXX  back to have them update the information. They updated it to show the payment and stated it would be updated fully to settled for less than balance owed within 30 days. It has now been 40 days and it has not been updated and continues to show a late payment for the month of XX/XX/2023.
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (CT)

A credit was issued for a dispute, claim XXXX, on XX/XX/XXXXin the amount of XXXX. The item in dispute, XXXX from XXXX, cause an overdraft fee when it posted on or aroundXX/XX/XXXXin the amount of XXXX. I was told any fees associated with transaction would be credited back once claim is resolved. Again, I see a credit was issued but do not know if claim is resolved in my favor or not. If so, I need overdraft fee credited back ASAP
Consumer complaint received 2023-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MI)

The beginning of the new year, I reviewed my credit report only to find and erroneous collection effecting my credit. Never once did I receive a letter of representation about this collection agency claiming I own XXXX XXXXXXXX XXXX money. 
I never opened a XXXX XXXXXXXX account, ever After speaking to my lawyer, he advised me to send a letter of dispute to the reporting collection agency that is reporting negatively on my credit report. This evening I received a garbage statement that tells me nothing. Nothing itemized, no contract with my signature, just a piece of computer paper that shows a balance owing This is not validating the debt. I want the original contract showing my signature, purchases, and payments made Again, as I stated earlier in this complaint, I never had a credit one account
Consumer complaint received 2023-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CO)

I am forced to use EdFinancial Services for my student loan accounts. Since XX/XX/2023 i have been making high-dollar payments online each week to pay off my student loans. I had no warning that this digital service would be halted. In the beginning of XXXX i was informed my account was being transferred to a different platform & I was unable to make a payment online. 
I then called the company and they told me i could make payments on the new platform after creating a new account. I then made a new account. However, the new platform has incomplete information. The loan information does not correlate with my records. The dollar amounts are off. There is no information on what interest rate each loan has. There are 19 different loans listed. On the old platform the loans were organized alphabetically & on the new platform the loans are organized numerically. 
I called the company again and they told me i wont be able to see accurate details about my 19 different loans, like the interest rate, accurate remaining balance, accrued interest ; until after the student loans payments resume IN XX/XX/2023!!! 

I'm trying to pay off my student loans, especially now that they all 19 loans are accruing XXXX interest. EdFinancial is literally making it more difficult to make a financial decision on what loans to pay off first. It's impossible to make any payment at the moment ; on any loan without seeing accurate information. This is beyond frustrating. I'm literally being forced to not make a payment until loans begin accruing interest again. 
It's disgusting.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Dear Equifax I am writing to request that you remove an item from my credit report that I believe is in violation of the Fair Credit Reporting Act. After reviewing my credit report, I noticed that there is a negative item on my report that should not be there. The details of the item are as follows : XXXXXXXX XXXX XXXX, account opened on XX/XX/2016 I believe that this item is in violation of the Fair Credit Reporting Act because [ this account has not reported all on time payment from XXXX ( XXXX ) XXXX ( XXXX ). I am requesting that you investigate this matter and take appropriate action to remove this item from my credit report. As you are aware, the FCRA requires that all information reported to credit bureaus is accurate, verifiable, and timely. This item is causing harm to my credit score and my ability to obtain credit, and I would like to see it removed as soon as possible. 
In addition, I have attached a second note to this letter to provide further details on the issue and evidence that supports my claim. I am willing to provide any additional information or documentation that may be necessary to assist with your investigation. Please let me know if you require any further information or if there are any questions about my request.

Thank you for your attention to this matter.

Sincerely, Upon checking transunion, experian. They all reporting accurately on o time payments but Equifax is lacking some work. I will sue if this is not rectified!
Consumer complaint received 2023-01-25
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. (UT)

The following accounts are incorrect and they are adversely affecting my livelihood. 

Address History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

They are reporting to credit bureau on incorrect days. It shows it was reported on XX/XX/2023 but my date is due every month on XXXX. I paid off my credit card and when I dispute the amazing they changed the last report date to XX/XX/2023 with the owed balance. I have prof they are reporting incorrect information
Consumer complaint received 2017-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

Spoke with XXXX XXXX Account # XXXX, he stated that this account would be deleted immediately. I informed him that I did not owe XXXX XXXX XXXX any money. The equipment that he was trying to collect on was stolen. Asked him for the phone number to a contact person at XXXX XXXX XXXX, so that I could resolve this issue with them. He refused to give me that information. He stated that he could offer a settlement amount. Not sure how ERC would try to settle on equipment that was stolen. Asked multiple times for information for original creditor, so that we could contact. He refused. He said that he would open a dispute and have this deleted from all 3 credit bureaus immediately.
Consumer complaint received 2017-07-31
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: Experian Information Solutions Inc. (ND)

I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, XXXX and Experian credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.
Consumer complaint received 2016-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southern Credit Adjusters, Inc. (FL)

This seems to be an extention or part of the original debt I have submitted today with your company CFPB - XXXX/XXXX/2016 -Case File # XXXX
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (TX)

The purpose of this letter is to request a formal review of our loan modification that occurred last year. The entire experience was very painful as we were working with XXXX XXXX and then requested a new representative. XXXX XXXX became our focal point and after the long process of being denied a few times and served with foreclosure papers. 

We were in constant daily communication with XXXX beginning in XXXX XXXX. Although XXXX was not working then so she could not provide proof of employment, she received a severance package so we clearly had the funds to make full mortgage payments. The reason we were requesting a loan modification is lower monthly expenses not because we could afford the payment. This was our first experience with the process and repeatedly asked XXXX for advice and instructions. XXXX advised us to postpone full payments, however, until the process was completed. We relied on his advice and trusted that since we were in ongoing communications, everything was okay. 

One day, in between the calls with XXXX, we were informed that our house was going to go through foreclosure. We were shocked, scared and confused because we had just talked to XXXX and he said everything was fine and under review. When asked about the late payment notices, he advised us " not to worry - these letters were being automatically generated by another department. '' Again, we trusted him until people started knocking on our door offering financial counseling. This was so embarrassing, we requested a new representative. XXXX XXXX handled the rest well and suggested that our mortgage was fine and credit reporting would later be corrected. 

We are in the market to purchase a car and was informed that we have 3 late mortage payments last year at exactly the time of working with XXXX. This is ridiculous because again, XXXX had a full year severance that we could use, however, we were advised not to worry per XXXX. 

Here we are almost a year later. Mortgage payment barely dropped and our credit score is negatively impacted due to working with Wells Fargo and listening to the advice of your representative. 

We are requesting that Wells Fargo either reverse the late payment notices or make notation that it was at fault in this process. We really need to buy a car so this needs to happen immediately. We have been dedicated customers to Wells Fargo for over 10 years and would hope that we would not have to change financial institutions considering we were given wrong instruction by one of your representatives. 

Regards, XXXX and XXXX XXXX The above letter was sent to Wells Fargo on XXXX/XXXX/XXXX. In XX/XX/XXXX, we received notice that Wells Fargo would not do anything to modify our credit report. We were never in a hardship and was simply looking for a lower monthly payment. We were advised to not make full payments, which was wrong advice. We trusted the bank and have now suffered. The monthly payment ended up to be only {$50.00} less after all of this unfortunate situation.