davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX Balance : {$35000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-07-08
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: LEXISNEXIS (WA)

On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy.
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I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.
Consumer complaint received 2017-01-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (AZ)

My honda dirt bike was stolen in XX/XX/XXXX. My issues started with Honda financial services. I spoke to a a Honda representative on the day of the theft. They informed me to fax the police report to a number they provided me with, which I did. Three days passed by and I had not heard from them. I called them, and the representative I spoke to was very rude, and told me that whoever I spoke to three days ago did not exist, and he does n't recognize the fax number they had provided me with. I reported my stolen vehicle for the second time with this new individual. A month later, I representative called me, stating I will be receiving a bill for my last payment. I was not given an option other than to pay the sum in 90 days. When I called Honda financial services in XX/XX/XXXX to make my payment, it was discovered that they had sent me the wrong statement ; they stated I owed them an additional {$1000.00}. For two days in a row I demanded to speak with a supervisor but the Honda representatives informed me they will handle the issue. In the mean time they stated they will me send the amended final statement of the sum I owed. About 5 days later, I received a phone call from Honda representative that only left the general number, with no name or title. When I called Honda financial services to inquire as to the means of the call, I was told that a supervisor tried to contact me. My rights as a consumer to voice his issues were completely ignored.
Consumer complaint received 2017-07-08
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: LEXISNEXIS (WA)

On XXXX XXXX, 2017 I sent a letter to LexisNexis informing them they were incorrectly reporting a bankruptcy on my file with them and asking them to validate the information or remove the entry from their file. The letter was sent certified, return receipt, which they signed for on XXXX XXXX, 2017. I never received a reply to my letter. I followed up with another letter on XXXX XXXX, 2017, informing LexisNexis that since they had not responded to my letter within 30 days the entry needed to be removed. I then received a response from LexisNexis on XXXX XXXX, 2017 stating the data in question was reporting accurately, but they never explained how they validated the accuracy. <P/>I believe this is a violation because 1 ) the investigation took longer than 30 days ; and 2 ) they did not provide the method used to validate the accuracy of this entry.
Consumer complaint received 2024-10-08
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: EQUIFAX, INC. (MS)

I am writing to dispute inaccurate account information listed on my consumer report by XXXX, as obtained on XX/XX/year>. Upon reviewing the report, I have identified discrepancies in the information furnished by XXXX. I have identified inaccurate monthly payments and account balances. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. 
I have not received a response from this company. My tracking number is XXXX. Listed below are the accounts with inaccurate information. 

XXXX XXXX XXXX Open date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX****Open date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXXXXX XXXXOpen date not reporting correctly, date last active , date of last payment is not correct, this account is not accurate XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX XXXX XXXXOpen date not reporting correctly, date last active, date of last payment is not correct , this account is not accurate XXXX XXXX XXXX XXXXXXXXOpen date not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to XXXX.
Consumer complaint received 2017-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

had multiple phone calls on XXXX XXXX 2017from # XXXX out of XXXX XXXX XXXX. Was told that I need to call another number before a lawsuit was filed against me then right after that the other number called which is XXXX. The person told me That he was from a lawyer office and I was trying to be reached by certified letter and could n't be found cause my address was n't correct, over a over draft bank account that was sent to collections. He was very demanding about getting it paid right then and it was {$1500.00} but he would take {$980.00} now. The account that he was trying to refer to was taken care of before I was able to open a new account, and the amount was only {$400.00}. I attach a picture of an email that he sent the day of on who he was where he worked and what he tried to get me to agree to pay.
Consumer complaint received 2024-08-09
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-09
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. (TX)

I am the victim of Identity Theft. I recently checked my credit and noticed that fraudulent accounts, inquiries and personal information has been placed in my consumer report. I have included a FTC report stating all the fraudulent information I have been able to find so far including Inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (AZ)

I will be looking for any other outlets I can report this company with. Normally, I do n't even bother writing reviews, but the service of this company is so poor that I felt obliged to. Like others, in the beginning I had received the 2 months past due warning without ever receiving information on how or where to pay, or even getting a first notice. But by far the worst part is the atrocious website they have. I am going to attempt to contact any of their managers and challenge them to take a person off the street and have them navigate the payment info on their site. Let me clearly state the flaws ; problems that any respectable company would fix immediately : 1 ) There are issues setting up recurring payments, where is does n't accept the pay date.
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2 ) If you set up a recurring payment, good luck trying to figure out how to cancel it. I had to call the representative on the phone to cancel my payment so that I could use a different bank account. And even then they made me go back to the website to fill out the new info, which was still not accepted.
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3 ) Ca n't find any billing information besides how much I have paid each month. I am an engineer, and I ca n't find my billing information on this website. Why on Earth would you not give people info like which bank they are paying from, or billing address, or anything.
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4 ) Since you ca n't see which recurring payments you have, it is possible and very easy to accidentally set up multiple recurring payments. I have been double charged because of this in the past.
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May XXXX help you if you are like the rest of us and have to deal with this company.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (MD)

I mistakenly paid a {$68.00} invoice to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) instead of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. Despite the fact that the services were not provided by the XXXX XXXX, they negotiated the check anyway. 

In XXXX XXXX I received my first of many notices from the collection agent ProCo to which I explained the situation in writing. I heard nothing more until XXXX when I received another notice from ProCo. This time I contacted the XXXX XXXX and XXXX XXXX requesting that the Group simply transfer the {$68.00} to the Center. I was told that such a transfer was not possible, and so I suggested that the Group return the {$68.00} to me so I could then write a new check to the Center. Subsequent to my suggestion, the XXXX called me and said the transfer was possible and the issue was resolved, which I believed since I did not receive my {$68.00} from the XXXX. 

In XXXX XXXX I was contacted again by ProCo and then today, I received a notice from XXXX XXXX XXXX, XXXX. I 've responded to both. However, it seems to me that the XXXX is the company at fault here because 1 ) they accepted payment for services they did not perform, 2 ) they did not transfer the payment to the center ( if you believe the collection agent and law firm ) and 3 ) they did not refund my payment.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (MO)

I spent over an hour on the phone with Wells Fargo attempting to make payment for a small loan taken out on an engagement ring. I made one payment via credit card about two weeks ago, and called back today to attempt to pay the remainder of the loan ( approximately {$1500.00} ). 

Wells Fargo flat out refused to accept payment. They told me that they would not allow me to make a payment using my credit or debit card until my account went delinquent, allowing them to hit me with exorbitant late fees. Surely it ca n't be legal for a major banking institution to literally FORCE customers into delinquency by refusing to accept payment? 

I spent nearly an hour on the phone trying to make this payment. I was transferred to six different people, including two individuals in the executive office, who all fully refused to accept my payment. They told me that the only payments they would accept are by linking my personal ( non Wells Fargo ) bank account to their service and allowing them to make automatic deductions as they see fit. 

I refused to do that on the grounds that my previous dealings with Wells Fargo were similarly predatory. They refused to close a bank account I had open from my time in the military. I went to the branch in person before I was discharged, withdrew all funds, and told them to close the account. A year and a half later, I found that they had kept the account open, and had been charging me increasingly steep " maintenance fees '' ever since. They refused to close the account unless I went back to that branch, in person, and requested it again. I had already moved to a completely different state. I had no choice but to default on the debt. 

Given their previous incompetence and/or predatory services, combined with the recent news that they had been pulling similar gambits for years, opening accounts and filing charges under other peoples ' names without permission, I absolutely refuse to authorize this bank to make withdrawals from my primary bank account, and I do n't think that 's unreasonable in the slightest. The only method of payment that I am comfortable with is using a credit or debit card, so that I may monitor and dispute any charges that I did not authorize. 

Yet, this bank will not allow me to make payments. Even though they previously accepted a payment via debit card, they are now telling me that they will not allow me to make a payment on my loan unless I first let my account go delinquent. Surely this can not be legal? I am making every attempt to make my payment in safe terms -- how can they be allowed to refuse to accept those payments? How can they be allowed to literally force my account into delinquency, saddling me with steep fees and absurd interest payments ( 30 % per month ... ) My payment is due by XXXX XXXX. I do n't know who else to turn to, here. All I want to do is pay my bill.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a credit line increase through Wells Fargo so that I can increase my credit score. I have never been late with any credit card payments. Wells Fargo rejected my inquiry to obtain a credit line increase. My XXXX XXXX score is XXXX. I requested a supervisor. A Wells Fargo supervisor named XXXX ( Employee ID # XXXX ) stated that there was very little activity on my XXXX card. I replied that Wells Fargo was doing an injustice for excellent customers. So, now I have a hard credit pull from my report and no credit line increase.
Consumer complaint received 2024-08-09
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. (FL)

on XX/XX/XXXX i notice on my account that {$79000.00} was a balance, open on XX/XX/XXXX this is a fraudulent account this is not mine can you please remove this from my account.
Consumer complaint received 2024-08-09
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. (NJ)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this company 's that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!
Consumer complaint received 2024-08-09
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. (MO)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have been trying without success to have this credit bureau place a freeze on my credit report, I have sent in letters with my particulars for a credit freeze to be placed on my account or credit report without success as I was a victim of identity theft in the past. 
Kindly and please place a credit freeze on my credit report immediately please.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One sent a promotional email and to apply for a credit card on their website https//www.capitalone.com/credit-cards/get-my-card/ REFERENCE #  XXXX  ACCESS CODE #  XXXX  I applied and was approved on  XXXX   XXXX ,  2017 . Capital One issued my credit card and sent me a confirmation email on  XXXX   XXXX ,  2017  on  XXXX   XXXX ,  2017  I received the credit card in the mail with activation steps. When I called Capital One  XXXX  to activate Capital One said the account was closed and to reference case #  XXXX  and that they sent emails in error. Capital One has had a breach of some sort and personal information fraudulently handled.
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

I have contacted / disputed with Equifax regarding a inquiry from  XXXX  that I did not authorize. The company refuses to investigate.   I did not authorize this inquiry.
Consumer complaint received 2016-05-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OK)

my father passed away in XXXX with no will my family hired an attorney and did a succession in XXXX all his assets went to all of his kids we was never contacted by green tree lending company that my father had a mortgage with their company I found out years later the couple living in the house told me the mortgage payment is in my fathers name still. I contacted the company and sent all information need they said they knew he was deceased but would not give me any information about the loan said I was n't on the list to receive any information even though I 'm his son.
Consumer complaint received 2017-07-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The company is Portfolio Recovery Associates, LLC. The address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX. I like to file a complaint on them because they are not licensed to do business in Georgia. I have been receiving this letters forever and I do not owe this bill. The date they have is XXXX XXXX, 2015 and the amount is {$510.00}.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX