davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (NJ)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation.

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

**Name of Account and Account Number** : XXXX XXXX XXXXXXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-08
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. (IN)

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-08-08
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. (NY)

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 2024-08-08
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. (GA)

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-06-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

Someone defrauded the goverment using my wells fargo account XXXX XXXX XXXX account and child support debit card account ... transactions i wasnt notified on and deposits I dont reconize student loans and grants taken out without authorization and w2 using my social security i didnt authorize! Someone is also, impersonating my information for goverment benefits. Agressive ID fraud and true id fraud and drivers license fraud NAICS and FAR illegal coding SAR flags on social etc
Consumer complaint received 2019-06-19
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. (FL)

First off, back in XX/XX/2014 it says about 3 different credit card accounts were opened using my name, social security number. One of which is still not paid off and has put me in credit debt and ruined my credit before I even turned XXXX, which Im still trying to fix! Additionally, I had to submit a background check for the college of my choosing - and I just saw some incorrect information on there which I know could just be a mistake in the system Like it said but because I have the issue of the unknown credit accounts opened in my name, I dont want to take any chances. I am reaching out to you for help potentially to fix this mess before more of my personal information gets stolen or anything else happens. Thank you for the time.
Consumer complaint received 2019-06-18
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Flagstar Bank, N.A. (MO)

I told the operator to quit calling me and the lady told me they will till the information on the account is changed and laughed at me when I said that Im going to call the FBI and said to go ahead and call so I did and here is what is happening now
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

I have a Citibank ThankYou Visa card. On XX/XX/XXXX, I paid the outstanding balance of {$33000.00} in full via a transfer from my Citibank checking account. On XX/XX/XXXX, the same payment was again transferred from my account. 
I called the credit card customer service and asked to get my money back to my checking account. I spoke with XXXX ( XXXX ) who promised to expedite the refund. 
On XX/XX/XXXX I called again, and ask to speak with a supervisor. I was told that it takes up to 10 days to issue a refund, and there was nothing else she could do about it. 
On XX/XX/XXXX I also spoke to my Citibank branch in XXXX, and they called on my behalf and received the same answer. 
On XX/XX/XXXX again the Ciitibank branch called on my behalf, and was told that it will take a few more days to issue the refund. 
Today is XX/XX/XXXX and I still do not have my money back. {$33000.00} is a lot of money, that I need to get back, and nothing is being done. I would hope you can help in getting my money back into my checking account immediately. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

I made my first payment to Nelnet in XXXX, XXXX. To get ahead of the curve, I did a large payment of {$3000.00}. Since then, I have been paying roughly {$300.00} every month, which is a little bit more than my monthly payment. 

Due to the first bulk payment, all of my loan group payment due dates were pushed up considerably. I kept paying since this doesn't stop interest from accruing. I always chose the " account payment '' option rather than the " pay by group '' option as I figured Nelnet would distribute the money in the most reasonable manner to pay off the loans across the various loan groups and their respective interest rates. 

My last payment ( XX/XX/XXXX ), I noticed that suddenly my {$300.00} went completely to interest. I found this highly suspect and called the company. According to a representative, a Dept. of Education policy change in XXXX dictated that early payments would always go to the loan group with the highest interest rate if the " account payment '' option was chosen. Therefore, until the pushed up due date from my original bulk payment was finally reached, all of my payments were only going to one loan group ( since roughly XX/XX/XXXX ). 

While this sounds nice on paper, I don't know if this actually would help me, and I may have in fact lost money due to the accruing interest on the other loan groups that Nelnet didn't even distribute ANY money to over this period. While they allegedly were following DOE policy, I was never informed of this policy change by email or on the Nelnet website. I would NOT have continued to choose the " pay by account '' option had I known this is how my money would be distributed. 

I feel as though Nelnet ( or any student loan collection agency ) must be liable for notifying borrowers for any change in payment policies. I don't understand how I was supposed to be aware of a minor policy change that affects such a specific group of people if my lender/collector didn't notify me.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

My credit card company decided to side with a merchant who rendered no services. I don't even know how something like this happened as no credit company I've ever had would do this. I was asked no follow up questions during their " investigation '' and would like my money back considering the merchant did not provide any services and I received nothing from the merchant. It boggles my mind how Citi decided they deserved money for something that was never done.
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

BK XXXX discharged in XX/XX/2018. Wells Fargo is the 1st mortgage lender. Had loan for 13 years and NEVER had a late charge or missed a payment. Starting with XXXX of last year, have been trying to get the credit account updated to show payment history. After multiple phone calls and MANY different responses and excuses, Wells FRGO, as of today XX/XX/18, says they are not obligated to do so. They will start to report on XXXX. This is even though the discharge was XXXX of 2018 and/or per their comments didn't receive the BK closing until XXXX. They wont even go back to XXXX and report from there. They also won't report anything BEFORE the bk or during the bk ( from what I have read, they have the right not to report during a BK, even though I paid outside the plan and paid as agreed ). Without a mortgage rating, I might not be able to refinance OUT of this loan and must keep the high rate I have now. I am XXXX XXXX so can do a VA loan now!! for XXXX, it requires 2 years from discharge.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

In XXXX I had a mortgage with Wells Fargo Bank. I filed my XXXX income tax and the IRS stated I owed for XXXX in the amount of {$2500.00}. 

After an investigation by my tax representative it was stated that Well Fargo filed a 1099 in XXXX in my name and social security number. I spoke with a Wells Fargo rep at their XXXX branch, and all she could produce was a 1098 that was filed in XXXX. The tax department with Wells Fargo stated that the were creating a dispute for this matter but I still haven't received anything. 
I have continuously tried to resolve this matter with Wells Fargo but to no avail.
Consumer complaint received 2019-06-18
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. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (NY)

I have recently been a victim of a scam. Someone posed as a police officer calling from the XXXX police department number told me that my identity has been stolen and used for a slew of illegal activities, including money laundering, drug trafficking, etc. He then transferred me to someone who posed as an FBI agent who told me I need to transfer my money out to another agent so they can sort through the fake accounts that have been opened under my name. The fake agent gave me account numbers and names of the other fake agents to wire the money to. Not knowing this is a scam, I made two transfers out from two accounts to two US Bank accounts. The first one is from XXXX to a US Bank account on XX/XX/XXXX at XXXX XXXX EST for {$12000.00} and the second one is from XXXX to another US Bank account on XX/XX/XXXX at approximately XXXX EST for {$15000.00}. After realizing this is a scam, as an attempt to salvage this, I asked my respective banks to start wire recall procedures, filed a police report, and have also reached out to the customer service reps at US Bank on XX/XX/XXXX around XXXX XXXX to report these accounts as fraudulent, providing the account numbers of the fraudsters. The customer service reps at US Bank was sympathetic and tried to flag the accounts and raise the issue to her manager, but there is not much that she can do. Today ( XX/XX/XXXX ), XXXX has told me that their wire recall has failed as the fraudsters have rejected the claim to return the {$12000.00}. 

This is a big chunk of my life savings and I am deeply distraught by what has happened. As a bank employee, I understand how important security is at a financial institution and am deeply disappointed that US Bank did not perform the necessary due diligence on these account owners, leading to fraudulent attempts and drastic financial consequences. The fact that both of these accounts are from the same branch of US Bank is indicative of US bank not only enabling but encouraging fraudsters to transfer their scams through an apathetic institution. Given the recent scrutiny around XXXX, Im disappointed that US Bank clearly has a culture of indifference that shows that they dont have the customers best interest at heart.
Consumer complaint received 2019-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (FL)

I started the process of two money transfer from XXXX for TransferWise.com on XX/XX/2019, transaction numbers # XXXX of U {$1200.00} that was canceled, what a waste of time dealing with TransferWise and, # XXXX of U {$1200.00}, they send me emails to confirm that received at same day and the money should be in my XXXX XXXX XXXX account on XX/XX/2019. Now they tell me that was made the deposit and the problem is with XXXX  XXXX XXXX. I know XXXX XXXX XXXX for at least 18 years and everything works on properly time. Until today, XX/XX/XXXX XXXX XXXX  no money was credited!
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ;
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (WA)

Repeated calls. 
4 calls without voicemail on XX/XX/19 6 calls without voicemail on XX/XX/19 2 calls without voicemail on XX/XX/19 1 call without voicemail on XX/XX/19 5 calls without voicemail on XX/XX/19 3 calls without voicemail on XX/XX/19 all calls begin at almost exactly XXXX, and end at XXXX. 

This is only the calls from the most recent number. I have blocked multiple numbers from them for about 5 months.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Hard Inquiries on report that are 2 years old, they need to be off my credit report please. I am trying to purchase a home and these are hindering my credit, I know they are old but my loan officer wants to show the underwriter I have had less than 5 inquiries. 

XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020
Consumer complaint received 2021-09-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (CA)

I disputed this false reporting of a {$16000.00} debt with Chase Auto Finance in XX/XX/XXXX. I again disputed with XXXX and Chase last month. XXXX is still reporting a reaffirmed loan and late payments after the debt was XXXX in bankruptcy in XX/XX/XXXX. This loan was not reaffirmed. The car was returned. XXXX balance is owing. 

This is preventing the processing of mortgage loan. Increasing interest rate and compromising loan approval because of income to debt ratio and late payments.