davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (RI)

Portfolio Recovery is reporting an account on my credit report for {$580.00} in collection. 
I send a dispute to the credit bureau on XXXX of 2020 to investigate this account. The credit bureau replied that the collection agency verified the account to them. I sent the collection agency a letter on XX/XX/2020. I requested a fraud packet to fill it out and send it back to them as well as copies of the signed documents they have for this debt. As of today they have not responded.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (MI)

Section XXXX ( a ) ( XXXX ) If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
FRADULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

This is my second time writing you to update my personal information. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please delete all other addresses. I can not receive mail or any correspondence nor do I have access to any other address. Please delete outdated addresses and update the addresses with the ones above. 

My only Phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

See attachment.
Consumer complaint received 2016-10-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

I went to my local Well Fargo bank to apply for a bank account the lady told me that I ca n't get an with Well Fargo no more she said I abuse my bank account. I deposit bad check I told her I do n't have any idea about this so I need you guy to do an investigation I want to my local police department to file a police report.
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE TRIED UNSUCCESSFULLY FOR XXXX YEARS TO GET MY TRANS UNION REPORT ; IT TELLS ME TO COME BACK LATER, THEN SYSTEM SAYS CONGRATULATIONS YOU RECEIVED ALL OF THE REPORTS, BUT I ONLY GOT EXPERIAN & EQUIFAX & CAN NOT GET THE TRANS UNION REPORT. I NEED THE TRANSUNION REPORT TOO.
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (NC)

I am currently try to clear up an account on my credit report that shows as a home improvement loan ( and it was not ) and is stopping me from aquiring an mortgage loan. I have asked the company on multiple calls to send me a letter stating they no longer hold the account and they refuse. On both conversations with a XXXX XXXX XXXX ( supervisor ) and XXXX they screamed at me on the phone and laughed and said they would not help.
Consumer complaint received 2024-10-14
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-14
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)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-10-14
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. (PA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NJ)

Td bank has changed its policy and will no longer allow same day deposits to cover debited payments and they are calling it Time Order Processing. They are masking this process as a positive change when in fact it will cause even more {$35.00} overdraft fees to be collected by the bank which will result in greater revenue to the bank and more distressed customers. 
It would be different if customer were not depositing funds into their accounts to cover any payments that may be processed before XXXX ( same business day ), but as a customer who makes sure that funds are available same day to cover any debited items coming through the account, i am concerned that this practice is enabled and designed to cost the American public even more of their disposable income. This policy change needs to be reviewed by the Bureau and identify how consumer rights are not being acknowledged and possibly violated. Class action
Consumer complaint received 2024-10-14
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. (PA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-10-28
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Optimum Outcomes, Inc. (GA)

I was in a hospital and the bill was to be paid by the VA in XX/XX/2013. The hospital took the information and was paid. The XXXX emergency specialists was given the information every time I or my wife talked to them and they failed to bill the VA. I found out it was out for collection and told OPTIMUM OUTCOMES INC to contact VA they said they could not pay up so I instructed them to send it back to the doctor so it could be billed they refused and said they were going to collect on it. I told them the VA would pay the bill IF THEY WERE BILLED. That was last I heard until recently I had a call about my son 's credit and thought the recently visit to hospital was being collected already and called and found out the bill was still in collections. I called the VA and was told if the XXXX would send them the bill they would look at it review it and pay it. EVEN THOUGH VA policy is doctor has to bill them within XXXX days. I called the doctor back explained all this to them and told them they had to submit the pink part of the bill what ever that was for payment they refused because it was to old and the collection agent has it. I either want them to take this off my credit report and bill it or write it off. Their not being paid was not my fault THEY NEVER EVEN BOTHERED TO BILL IT and they hold a government contract to accept payments from the government for payment of patient expenses XXXX, XXXX, or VA. If they failed to follow the contract that is not my fault they were notified WHY if the VA was paying the bill would I refuse to provide them the information?
Consumer complaint received 2024-10-14
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. (NY)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 2024-10-14
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I am a XXXX XXXX, on Social Security & XXXX.My mortgage rate is a high 6 1/2, because mortgage lenders consider me a high risk because I was out of work for more than a year, and I ca n't get it refinanced.I obtained the mortgage in XX/XX/XXXX. My mortgage has been transferred several times to different service companies. The current holder of servicing is Select Portfolio Servicing , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ut XXXX, referred to as SPS. They advertised a modification proposal to lower my monthly payment, sent me a package to fill out & supply supportive documentation. I complied, even providing additional information about my medical history, a seasonal job I have ( I sent a Social Security statement review showing my physical capacity ), etc. The company SPS rejected my request by letter without itemizing what was 'incomplete'.A telephone call ( they said was recorded ) with representative XXXX XXXX on XX/XX/XXXX at XXXX CST produced a litany of things they need that include just a check mark on a IRS Form XXXX, a fancy financial statement for my part time mowing job, a more complete copy of all my bank statement that I gave them redacted pages, two months of my XXXX wife who is on Unemployment Compensation till XX/XX/XXXX and received a stipend from laid off company of {$36.00} per month she just cashes & gives me, but SPS wo n't accept that as proof, etc. THey want me to deposit the {$36.00} to my checking account this month and next, so as to see the proof of it, even though I sent them the entire payroll stipend form with tax withholding information, year to date {$4000.00} of XX/XX/XXXX. I feel discriminated against, that they do n't want to help. I gave them proof of Social Security, my season jobs income verification, my wife 's info, taxes, bank statements, property tax info, medical specifics from XXXX with diagnoses. XXXX. It 's not right what they are doing!
Consumer complaint received 2024-10-14
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. (CA)

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$8900.00}
Consumer complaint received 2016-10-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: WELLS FARGO & COMPANY (MO)

My mother was a co-signer on my Wells Fargo private student loan. My parents claimed bankruptcy. Wells Fargo discovered that my parents claimed bankruptcy and hid my account. I suddenly could n't access my account online. I tried talking to Wells Fargo about it. They would n't talk to me about my account. They would n't tell me how much I still owed. They would n't tell me anything about making payments. All they would tell me is that legally, they could n't discuss my account or collect payments because of my parents bankruptcy. They said that the account would reappear after XXXX years. My parents bankruptcy ended this past year. When that happened, my student loan account reappeared, and Wells Fargo aggressively came after me, calling at least once an hour. They said that I defaulted for XXXX years. They said I owed them the entire student loan, I could no longer make payments. They said that my default voided out agreement. They reported XXXX years of backdated defaults to the credit bureaus. They destroyed my credit overnight. They turned the loan over to collections. I ended up settling on an amount. I ended up paying them with the only money that I had, which was a federal student loan. Fortunately, I was in grad school at the time. But, it really messed up my living situation because I had to use that federal money to pay off the old Wells Fargo debt.
Consumer complaint received 2024-10-14
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Balance transfer fee — 
Company: NAVY FEDERAL CREDIT UNION (CA)

So a few months ago, I had all my major banking done with XXXX XXXX. This included a checking account, XXXX savings, and a credit card. About a year ago, I opened an account with Navy Federal, the bank that I now use for all my banking needs. First, I only had a checkings and savings account with them. After I inquired about what interest rate Navy Federal could give me on a credit card, I was told I had an offer for a credit card with only 11 % APR, rewards, but most importantly, 0 % Interest on Balance Transfers for 15 months. I jumped on the promotion due to the fact that I had an almost {$1000.00} balance on my XXXX credit card. Now my complaint stems from the fact that after I completed my balance transfer a month and a half after getting my Navy federal credit card, I noticed a {$7.00} interest fee from the balance transfer. I called NFCU and I was told it was a mistake and that they did see my account has the offer for the 0 % interest on balance transfers for 15 months. They said it would take a week or two to fix and they apologized. At this point, I thought I fixed the problem ; however, I never got a refund and then I got another almost {$7.00} fee again this month for the same thing. Today, I went into a branch location to get my rent check and Then I sat with a banker to try to fix this problem for the second time. The banker called some number that told her there was a note from back office regarding my first interest fee of {$7.00}. The back office said I had a 10 day activation period listed in my disclosure form, and because I did n't do the balance transfer within those 10 days, the promotion no longer applied to me. 
This is ridiculous. I opened the credit card inside of a branch because of the promotion. The teller who assisted me SHOULD HAVE informed me that I needed to do the balance transfer immediately to avoid interest fees. Now, I 'm stuck with not just regret, but anger that a credit union is n't requiring their employees to disclose this information. Not only that, now I 'm stuck paying interest for something I could have avoided altogether. I called Navy Federal after leaving the branch today, spoke to a supervisor in the credit card department, and was basically given XXXX options. Do I want them to have the branch supervisor or manager talk to their employee, which I know definitely needs to happen, and/or do I want a new credit card without rewards that might give me a slightly better interest rate. There needs to be a third option : Have the branch manager speak to their employee about the importance of disclosing this information AND have the back office re-activate my 0 % interest for 15 months. I never thought I would say this about a credit union, let alone Navy Federal, but I feel deceived, cheated, and I definitely do not feel like a valued shareholder.
Consumer complaint received 2016-10-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: MARINER FINANCE, LLC (SC)

I have a personal loan through mariner finance.. formerly XXXX in mt.airy, nc XXXX They have been calling XXXX times a day and even calling my work place and disclosing information to my supervisor which I feel is wrong because that 's my personal business and they are telling everyone they talk to the situation of my loan. I know i owe it but I have hit a hard place and got a little behind and called 4 times today ( XX/XX/2016 ) and threatening to take legal action against me for the payment being past due.