davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.
Consumer complaint received 2016-09-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Prosper Marketplace, Inc. (AZ)

This loan went into default status off 5 years ago after I fell behind in payments. I attempted to reach out through their XXXXXXXXXXXX email and never got anything back. Eventually the loan was charged off but remained on my credit. In an attempt to repair my credit, I submitted several dispute claims to validate the loan and received nothing in return. Currently, my wife and I are trying to close on a new home loan, but conventional loans prohibit any disputes listed on your file. I tried to go through XXXX to have the verbiage removed to satisfy the requirement, but was told by them that we have to get Prospers approval. We called Prosper and was told that they will not approve the removal of the dispute verbiage. Digging deeper, we were told by Prosper that the charged off loan is no longer in their possession, but in the hands of a third party. It is this 3rd party that is handling my disputes and reporting to the credit agencies. I have attempted on several occasions to work with Prosper to have the dispute removed, but am meet with unanswered emails and CSRs with limited information to give. When asking to discuss with a manager, no manager is available.
Consumer complaint received 2019-12-12
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: WELLS FARGO & COMPANY (NJ)

A couple of months back I filed a dispute because I had a wells fargo secured card on my credit report. The secured card was an account that opened in XX/XX/XXXX. However, I had never got a secured card in XXXX from wells fargo. I received a letter from Wells Fargo apologizing for the account that was opened and stated that it looks like the account was indeed not mine. The result of me disputing the secured card from XXXX that was not mine, my current secured card from XX/XX/XXXX was closed. My credit report was updated to account closed because customer dispute. 

I immediately called and said that was not the account that you were supposed to close. I spoke to a few rep who eventually helped and said my account should be reopened. I checked my credit report and the account is opened. 

However I just called and a rep stated that my account is closed. My online profile has my account as opened with an available balance. I just opened a wells fargo case the number is XXXX. This is so confusing and I feel like no one knows what is going on. The account is open everywhere but is Wells Fargos system. 



WELLS FARGO CARD SERVICE Last reported XX/XX/XXXX {$450.00} Reported balance Credit limit {$500.00} You're using 92 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment {$25.00} Opened XX/XX/XXXX ( 3 yrs, 5 mos ) PAYMENT HISTORY You've made 93 % of payments on time Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status 30-59 Days Late ACCOUNT DETAILS Account status Open Type Secured credit card Responsibility Individual Remarks Dispute resolved ; customer disagrees Times 30/60/90 days late 3/0/0
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I had an auto payment charged to my Sears Citibank credit card for about two years by XXXX. I found out this was my work program that my employer was supposed to be paying for, and no longer used the credit card for anything else. 
I have had this account for about 20 years. 
When I called to close my account XX/XX/XXXX, the charge had not showed up on the XXXX statement yet, so I didn't expect Sears to process a charge on a closed account, but they did/already had. 
I called again XX/XX/XXXX when I got a statement showing that I was being charged for the subscription which I was then paying with another account, and was told it " would be taken care of, '' however all the customer service rep. did was credit a {$29.00} late fee that I hadn't even been charged yet, leaving the {$15.00} XXXX charge on the closed account to accumulate late fees and interest. 
I found out this weekend that Sears Citibank has reported the account as delinquent, with over {$50.00} of additional late fees and interest charged, to the credit bureaus and dropped my credit score by over 100 points for the first time in many years. 
I called Sears and offered to pay the {$15.00} but they will not reverse any more late fees or interest charges or admit any responsibility for their customer service misinformation last month. So I paid the {$15.00} and they'd rather deal with CFPB and XXXX than give up on their late fees and interest charges. I'm not a customer anymore, so they don't give a XXXX. 
Lesson is when they say " it's taken care of '' don't believe them.
Consumer complaint received 2019-12-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VEROS CREDIT, LLC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-10-09
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. (AZ)

Upon reviewing my consumer reports, I identified inaccurate instances of late payments on an account where I have consistently made timely payments. Accurate reporting is essential, and I believe these discrepancies do not reflect my payment history. 
For the following account : XXXX  XXXX, XXXX I have never missed a payment. Therefore, I kindly request a thorough investigation into this matter. Please provide any documentation, such as statements, supporting the reported late payments. If you are unable to substantiate these claims, I respectfully request that the records be corrected to accurately reflect my on-time payment history. 
I appreciate your prompt attention to this matter and look forward to your response.
Consumer complaint received 2019-10-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/19 I made a payment via automated system with XXXX XXXX for {$460.00}. I called back later to confirm because I did not see payment pending. I was told by XXXX rep that payment was processing. We continued to have a discussion about a past due amount and I informed them I was paying a little more each month to catch up. The additional past due amount was about {$230.00}. I received an alert from CHASE on XX/XX/19 indicating I had a low balance which prompted me to look online and notice the {$680.00} payment processed yesterday. I did not authorize XXXX to draft my Chase account for {$680.00}, I was informed by the rep that I have an overage paid into the account and he would apply the overage. He did not inform me that my account would be drafted for the " past due '' amount. Overage and past due are 2 different things, I looked them up today to be sure. I contacted my bank to dispute because I am fully aware that the additional {$220.00} will cause a negative ricochet effect in my bank account, the Chase rep told me that she could not dispute because it was not fraud. I attempted to explain to her that it is the amount that was not authorized and I am not alleging fraud by the merchant. She kept repeating her statement as if she was not either hearing or comprehending the message I was attempting to convey.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NE)

My account with ( 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 ( 30-90 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. 


( XXXXXXXX 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 2019-12-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC (TX)

On XX/XX/2019 an incident report was made. 
On XX/XX/2019 a dispute form was faxed ( receipt ) to PLS Dispute Department. ( Fax receipt & phone verification was ok ). 
On XX/XX/2019 a Pls Dispute associate confirmed that a provisional credit was to be issued no later than XX/XX/2019 and not by XX/XX/2019 as stated in PLS computer ; the associate also noticed that the system stated to have received the Dispute form on XX/XX/2019 and not the actual date of XX/XX/2019. 

On XX/XX/2019 I checked the card and the credit had not been issued. 

On XX/XX/2019 @ XXXX XXXX, I spoke with Pls associate/ Dispute Supervisor XXXX  ( ID # XXXX ) who informed me that the provisional credit would be issued on or before XX/XX/2019. Not in the 10 business days from the date of XX/XX/2019. Ms XXXX also stated that there was not any phone number she could give me to call and make a complaint about such discrepancies. 

I informed Ms XXXX that per FDIC & Attorney General regulation ( s ), laws and guidelines ; that there was definitely supposed to be a form of contact for customers to report financial institutions. Ms XXXX informed me that PLS had none. 

Basically it seems PLS financial institutions are operating outside of governing laws without regards unto otherwise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Consumer complaint received 2019-10-24
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)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, I AM NOT LIABLE FOR ANY TRANSACTIONS MADE ON THOSE ACCOUNTS. BECAUSE OF THE NEGATIVE ITEMS IT HAS COST HARM TO MY CREDIT AND I'VE WORKED SO HARD TO TRY TO MAINTAIN A GREAT CREDIT SCORE. PLEASE LOOK INTO THOSE ACCOUNTS AND LOOK AT THE ACCOUNT NUMBERS PERSPECTIVELY AND HAVE THOSE DEROGATORY ITEMS OFF MY CREDIT FILE.
Consumer complaint received 2019-12-12
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)

I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND DISCOVERED DEROGATORY ACCOUNTS WHICH ARE NOT LIABLE TO MY NAME. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.
Consumer complaint received 2021-10-14
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. (NJ)

I am a victim of identity theft. some one broke into my Dad 's house years ago and stole everything including my personal information. I been reaching out using dispute letter sending them in certified with my correct information correctly spelled name birthday social address and demanding fraudulent account to be deleted from my credit report. my last letter I sent in was XXXX/XXXX/2021 certified with copies of my FTC report Drivers license Social security card and bank statement. nothing has been deleted or removed I will be attaching copies of the document I sent in to this report.
Consumer complaint received 2024-10-09
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)

A dept collection agency ( XXXXXXXX XXXX  ) filed a collection on my credit report that does not belong to me. The original loan company was stated as XXXX XXXXXXXX which i have no records of. I filed a dispute with Experian stating that this was not mine and i have no records for this claim. Dispute was filed XXXX XXXX th. Since then i have disputed this several times with Experian as they keep saying that XXXXXXXX XXXX claims their information is correct. On XXXX XXXX i was contacted by XXXX in an effort to collect the XXXX dollars on this account and i disputed this account with them stating it was not mine and that i would be filing a police report which i did on XX/XX/XXXX, i was asked if i had received their emails about this collection and i said no. I then asked what was the email address they had for me and the email that i was told was not mine. I contacted XXXX on XX/XX/XXXX and was told there was an account with my name and info on it and they said that this account was dated XX/XX/XXXX. I checked my bank records for the time period that this account was opened and there was no deposit made from XXXX also did a search of my emails and there were no emails to or from XXXX XXXX also said that this account was done online, which would mean i would have emails from them. So someone stole my info and made an online loan with XXXX  and never paid it back and now XXXX is trying to collect the XXXX dollars from me.
Consumer complaint received 2019-12-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

I am behind on my Balance with Conn 's Home Plus They call from at least 3 different phone numbers 10x-14x per day. I noticed this repeated calls first on XX/XX/2019. I caught up on some payments but this miss a payment and the calls start again. 
These are the numbers they call from : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX On XX/XX/2019, I received 14 calls on my cellphone. I didn't answer and they never leave a voicemail. The phone number they called from this day was XXXX These are the times : 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. 

On XX/XX/2019 they called 10x. From both numbers combined ( XXXX ) XXXX ( XXXX XXXX XXXX. This is after I made two payments but I am behind one week. 
These are the times : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX They call like this everyday, with the exception of Sunday they may call 1-3 times. Current calls have been frequently
Consumer complaint received 2019-10-24
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SUNTRUST BANKS, INC. (PA)

I made a partial payment In XX/XX/XXXX for my XXXX XXXX XXXX car. My regular payments are {$570.00}. The payment I made to Suntrust was for XXXX XXXX XXXX dollars which was due on the XX/XX/XXXX day each month. The remaining amount for XX/XX/XXXX payment is XXXX plus XX/XX/XXXX payment. The firm allows 11 days grace period for paymets at which I have been using since I purchased the car.They sent me a text message today stating they are resposessing the car for XXXX late payment. They have also deleted my account on the mobile application which affords me to make payments. This is unfair practices to repossessed a car for XXXX due late payment and deleting my mobile account so I cant make payments.
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

XX/XX/2019 I paid my debt of {$730.00} with ProCollect from XXXX, Texas. I was told after paying in full the collection would be removed from my report. I call them today XX/XX/2019 and they say they won't remove the collection, only report it was paid off and refused to offer help in any other way.
Consumer complaint received 2019-12-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

The bureaus told me to contact Cfpb then they told me to call the FTC the FTC sent me back to see CFPB. I believe there to be a flaw in the system. I am in the process of buying a house so I have been watching my credit like a hawk I paid down {$3000.00} in debt on a credit card my score went up XXXX points the next month I put {$300.00} on a credit card and my score dropped XXXX points. Before you ask, There were no other changes to my credit just adding on the {$300.00} in credit. I do understand the credit to debt ratio and points going up and down based on it but now that Im paying off the {$300.00} on the credit card Ill bet you anything my score wont go up the same amount of points and. This is not fair to consumers and I wanted to make you aware because maybe its a major oversight that you guys always take more than you give even when its an even playing ground I did take screenshots to prove it was the only thing that changed on my credit there were no new increase there was no new credit there was no other credit utilization its because I put {$300.00} on my credit card when I pay it off I want my score to go back up to where it was! I would also like some explanation as to why adding {$300.00} of debt would affect my score so much its a very small percentage of my open lines of credit when paying off {$3000.00} had the same affect! I filed with the FTC who directed me back to you and I have a complete reference number of XXXX
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (AR)

On XX/XX/2021 I receive a letter from XXXX XXXX and Discover stating that they had a Writ of Garnishment against me. XXXX XXXX and Discover have violated my protected rights as a consumer under 15 USC 1692. I have proof of these violations in the Displays I have attach.
Consumer complaint received 2019-12-14
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)

there is a XXXX  student loan servicing account that was placed on my credit report that does not belong to me. I am not in school. this account belongs to someone else. I do not have any student loans.