davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX, XXXX XXXXXXXX XXXX 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 60 days 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 XXXX 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 XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent a letter to all XXXX credit bureaus reporting that my Credit report isn't 100 accurate. The reported back 30+ days later stating my account has been updated and accurate. 


So according to 15 USC 1681s-2 ( b ) & 15 USC 1681e ( b ) my credit report should be reported 100 % accurate and its the responsibilities of furnishers of information to consumer reporting. What was did is reporting info with actual knowledge of error. Its no way a true investigation was done unless that law was broken.
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (ID)

I opened a new checking account with Wells Fargo on XX/XX/XXXX. There was a promo valid until XX/XX/XXXX that was offering a {$200.00} bonus if a direct deposit of at least {$500.00} was received each month for three months within a 150 day period. The disclosure stated that the bonus would be deposited 45 days after qualifications had been met. On XX/XX/XXXX I noticed that I had not yet received the bonus. I emailed customer service and was told that they would have to investigate further and that I would receive an answer via US mail within 14 business days. On XX/XX/XXXX I received a letter from Wells Fargo that stated that I had failed to meet the direct deposit requirements. It said if I disagreed with the letter to call customer service. I called on that day and was transferred three different times. I first spoke to customer service they transferred me to a manager who said she couldn't help me and I was transferred to a customer support team at the corporate office. They all agreed that they were unsure why I had not received the bonus. The final customer support rep assigned me a case number and I was told that I would be contacted by someone from the consumer case management department within 24 hours. The following day I was contacted by XXXX from the consumer case management department. He reviewed the information and told me he would have to contact another department to investigate my claim further. I spoke with him on XX/XX/XXXX he promised me that he would get back to me by the end of the day or for sure by the next day XX/XX/XXXX. I did not receive a call yesterday and am now filing this formal complaint. In terms of documentation, I have all three statements showing that the qualified direct deposits were made for each of the following three months. Also, I have a print out of the promo, my approved application saying that the offer was attached and the offer disclosure. I am happy to provide a copy of the letter I received on XX/XX/XXXX. I am very tired of Wells Fargo. I would warn anyone and everyone to stay far far away from this bank. They obviously have no ethics or morals.
Consumer complaint received 2019-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (IL)

Freedom Mortgage is attempting to take my home from me through the foreclosure process, even though they have never provided me with any sort of mortgage assistance on my FHA loan. Every time I have tried to work with them, they claim that they did not have all the documents to perform a review for assistance. However, I gave them every scrap of paper and bit of information they requested. They are just unwilling to get this done and I am shocked at their incompetence. I have an FHA loan and there are very clear guidelines on how a loan should be treated, but they are just trying to foreclose on my home and take away my equity. I have never had a single point of contact and they act like a bunch of thugs and baboons. I have reached the end of my resources and am in the final stages of foreclosure. I have done everything I can to work with them, but it is an act of futility. I went through some difficult times financially when I lost a large contract and then I had a nightmare of a tenant who wouldnt pay rent or leave the property. I have now resurfaced financially, but Freedom Mortgage is unwilling to work with me to modify my loan. I have never had a single point of contact and had to work with different people every time I contacted them. No one had control over my request for mortgage assistance and nothing got done. Freedom Mortgage isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me save my home.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (VA)

- NCB Management services have been contacting me for at least 6 months now for a loan ( A/C # XXXX ) that I don't own. I already have confirmed that the XXXX  XXXX XXXX account ending in XXXX is not mine. I have communicated this information to NCB. 
- NCB reported this account to credit reporting agencies. Interestingly, the account opening or good standing never appeared on the credit reports. It appeared in the collection for the first time. ( A gray area and opportunity to improve the way debt collectors work ) - I inquired with XXXX and they told me to work with the collection agency. 
- I inquire NCB what do you need to establish that this is not my account. They asked for a identity theft police report. A police report number was provided to the NCB representative over the phone. However, they asked for the copy and a policy copy was mailed on XX/XX/2023. 
- On XX/XX/2023 XXXX XXXX a representative of NCB said that they need their investigation packaged to be filled. 
- The investigation package was completed and delivered to NCB in XXXX. 
- On XX/XX/2023 a conference call held between NCB representative XXXX and XXXX representative, XXXX. The whole case was discussed. XXXX confirmed the receipt of police report and all the initial discussions with NCB. 
- XXXX from XXXX suggested to file an FTC identity theft complaint. In addition she suggested to have a fraud alert on file. She also asked for a copy of the police report. These all things provided to her too. XXXX and other reporting agencies removed this item from my credit file. 
- Just when I thought it was done and dusted. NCB again started to call me and ask for money. I talked with XXXX XXXX from NCB on XX/XX/2023. She looked at her record and said yes we have a copy of the police report but we need two forms of IDs. Which I sent to NCB on XX/XX/2023. 
- Comes XXXX and now NCB is again calling. I talked with XXXX on XX/XX/2023, he said he ia supervisor at NCB. He said he would look into it. 
- But now XXXX XXXX on XX/XX/2023 from NCB is calling and rudely asking for money or settlement. He said he would report it to credit agencies. I requested him to transfer my call to XXXX or XXXX. He made a lame excuse and kept on talking. 
- This whole identity theft is horrible. 
- I have done every possible thing and provided everything needed. I have been asking NCB what else do you need to establish that this is identity theft. But a refusal to say anything, they said it's not our responsibility to tell you what to do. seriously?
Consumer complaint received 2019-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern : I filed a dispute with Transunion to remove a fraudulent account that is listed on my credit report. They stated it was verified and did not provide any proof although, I know I have never had a account with XXXX. I am trying to establish credit and this is hindering my process and progress in life. 

Thank you, XXXX XXXX
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020 I called JP Morgan Chase to request a credit limit increase for my Chase Freedom Credit card. The representative entered my request ; informed that credit analyst will review within 10 business days. 

On XX/XX/2020 XXXX Application for credit limit increase was reviewed within a short amount of time ; however, I received a denial letter providing inaccurate/problematic reasons. My XXXXdit score is superb, yet denial letter listed the following reasons below : -Length of time since oldest credit card was opened is too short -Total available credit on credit cards is too low -Number of recent inquiries on credit bureau report -One or more Chase cards has low available credit *Notice that the date calculated shown on denial letter is XX/XX/2020 rather than XX/XX/2020. Another flaw to consider. 

XXXX I contacted Chase reconsideration line to review. The representative then put in an application. After 30 minutes of speaking with the representative ( with her filling out the application ), the call disconnected and I received no callback. I called the line again at XXXX and new representative informed that the application was entered, despite me not knowing it was confirmed. After expressing my frustration the representative informed me the application for reconsideration was denied again this time with only one reason, which was completely different from what was listed in the denial letter for credit limit increase. The representative stated : We show your application was denied due to having multiple credit accounts open. 

This very well is a lack of incompetency in both customer service, financial integrity, and fair credit reporting.
Consumer complaint received 2019-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (MD)

I was recently notified by XXXX XXXX that there were four delinquent accounts that were placed on my credit report by " MIDWEST RECOVERY SYSTEMS ''. This account balance that they are reporting delinquent was " Paid in Full '' in XX/XX/2016 over 2 years ago. 

As a result, my good credit score between 730-740 was dropped to 680-690. Additionally I have a XXXX XXXX Clearance and am currently going through an investigation that will check my credit report and could effect my clearance since my investigation asked me about my financial credibility and is part of my investigation. I also am applying for a home loan and this couldn't come at a worst time. 

The problem that I have with this is that MIDWEST RECOVERY SYSTEMS never sent me a letter of notification giving me the opportunity to dispute these accounts and show proof. They just immediately put this on my credit report. It is my belief this is an attempt to force me to pay an invalid account to clear my credit report. A scam basically. Normally credit collection agencies send out a letter to validate a reported debt. 

I find this to be a violation of my rights to dispute and defend myself. Trying to destroy someones credit report appears to very illegal. MIDWEST RECOVER SYSTEMS did not take the proper and normal steps to validate the debt most likely because they know that there is no debt and just putting it on my credit report would be threatening and force me to give them money. I want them to be investigated as I see there process of non-notification as very illegal.
Consumer complaint received 2019-01-10
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: SYNCHRONY FINANCIAL (NY)

I purchased a piece of software form a vendor using Paypal on XX/XX/XXXX. After attempting to use the software I was alerted that my software license key was revoked and I could not use the software. I opened up a case with Paypal to resolve the issue as I had not received a response from the seller, to which they opened a case on their end and awarded the case to the vendor ( which has still not responded to me at the current moment ). I re-opened the case for additional investigation and provided all of the necessary proof for PayPal which showed I was unable to use the software whatsoever and requested a full refund of my money. In XX/XX/XXXX, they re-opened the investigation and I was told if I did not hear back then everything was OK. 

It is now XX/XX/XXXX, I never heard back and assumed everything was OK because that is what they had told me. After checking my statements, I still saw the charge for the non-working software to which I called back PayPal to figure out the issue and they informed me there is nothing they can do as it is out of the 180 day protection period, although I opened a case promptly after the purchase date which they have shown incompetency and months of miscommunication that has not been followed up on. I am now escalating this case to CFPB in order to reclaim my money.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a bk chapter XXXX showing on my credit report that should not be on there I never been discharged from the debt which I went into the court and filled out paperwork only never went to a hearing or follow through the paperwork and if you call youll see I never succeeded with the filing how can this happen
Consumer complaint received 2019-01-10
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (TX)

Someone called me yesterday morning, XX/XX/2019, seven times in a row, and told me they know where I live and work and that theyre delivering a claim filed against me. The man said he is a private investigator and began revealing my addresses and workplace. When I told him I dont even know who he is or what hes calling about, he gave me the number to XXXX XXXX XXXX ( XXXX ) and a claim number, and said hed call me back in 20 minutes to make sure I called them, otherwise, he would be at my work with papers ( even though I told him multiple times not to ). When I called the company, they told me I owed $ XXXX+ from XXXX XXXX XXXX. When I asked if they mailed me anything describing the debt or payment options, they said they handle all correspondence via their private investigators. They took my social security number and birth date. I was afraid and gave them my credit card information because they said no checks can be mailed to them, that they do not take checking account or routing numbers, and that they only accept Visa and Mastercard. I have since canceled this card. When I called back to obtain a mailing address, I was placed on hold for 10 minutes and given the address to an old XXXX store in XXXX, AZ. When I asked for their company name, they said XXXX. They also have no website. Today, they repeatedly called me again and when I didnt answer, they called my father and sister-in-law, telling them I am eluding the police on a past debt and then described their vehicle information to them. I have no idea what to do at this point. I am scared, and this company is harassing me. They are not following any consumer laws.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

This has been an on going issue with XXXX I originally filed a dispute back in XX/XX/2022 Im regards to unauthorized charges that fall under regulations E. Guidelines well according to this XXXX never investigated the dispute in the first and documents requested for the decision of this out come show that XXXX is not investigating anything and instead is f protecting customers and investigating issues XXXX has been going against they very own customer I also find they said I had card I originally said No I dont see any of the documents that I sent to support my claim which documents was in fact provided
Consumer complaint received 2020-09-30
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. (CA)

I applied for an apartment today XX/XX/20 and unfortunately I did not get approved because apparently there are several accounts in negative standing appearing on my credit. I was not aware of these accounts because none of them belong to me. The accounts are from the following companies. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor have I given anyone else permission to open an account with these companies on my behalf. I do not have type of contract with any of these companies ; I did not benefit anything as a result of these accounts being open in my name without my permission such as money, goods, services or any other benefit and I am not responsible for any of these debts. I filed a complaint with the Consumer Financial Protection Bureau as well as filed a police report regarding these unauthorized accounts
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

On XX/XX/XXXX, I requested a refund for my student loans, as I am eligible for $ XXXX back through the current PSLF program. 

I got an email on XX/XX/XXXX saying my request for a refund was denied for missing information. When I called back they said I needed to verbally state that I understood I would have to pay any balance reinstated that was not forgiven. I had no idea I had to explicitly state this and was never asked this by a Nelnet customer service member. 

After I verbally stated, they told me it would take another 4-8weeks to approve the refund. After calling again today, they now say the amount of time it will take is indefinite. 

Its extremely frustrating because had the Nelnet customer service rep gave me to correct information the first time, the process wouldn't have needed to be restarted. I was extremely proactive by in calling back in XXXX, only for this entire ordeal to be delayed for no reason of my own,
Consumer complaint received 2021-09-25
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/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation 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