davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
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: Credit Karma (PA)

I am filing this complaint as my other complaints against the credit bureaus and credit karma continue to be ignored. I was just again refused credit because of a low credit score XXXX though every credit website including the credit bureaus themselves and credit karma report my score 100 points lower an sahow graphs of my score falling steeply when the only changes were the removal of three negative items. I continue to read about other consumers who have had this happen to them all over the internet. Then they are offered ridiculously high payments on everything and people cant get out of this trap. It is sick. Making over XXXX I can barely afford a place to live because my car payment and insurance is so high and because my score is so low despite paying high interest loans and credit cards on time having no glaring negative remarks and having others removed as inaccurate. I tried using this complaint form to complain against the credit bureaus and credit karma and only XXXX  said anything offering some ridiculous gibberish explanation about various scoring models. Tell in what model are negative items removed and replaced with a lower score by 100 points. Why can I not get any answers. What does this company do when companies ignore complaints? Is there any way to mitigate this or is it a waste of time for me to try and work to support myself and my kids because arbitrariy decisions will be made that prevent me from even being able to afford a place for us all to live. I would be better off not working at all and being reliant on government assistance. Is there absolutely anyone who reads this and helps? 
Also now Im paying money to XXXX XXXX  every month in true hopes that we could move somewhere better but that also seems seriously impossible at this point and they have done nothing but take more money from me. Credit scores are a racket. My cousin who went bankrupt has no issues versus me who has never just abondoned my bills.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (AZ)

My Experian credit file has been repeatedly unlocked since the first of XXXX. I have repeatedly contacted idnotify-experian and my former credit monitoring service through Experian. All to no avail. Yet again this morning the credit file was unlocked. 

XXXX XXXX XXXX ssn last four XXXX phone XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX Account Number : XXXX Reason : How are you reporting late payments if I am protected by the Cares Act. Instruction : Please delete this account immediately for failing to do your due diligence making sure everything is 100 % accurate on my report.
Consumer complaint received 2024-10-24
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. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Numerous CFPB complaints have been submitted prior against Wells Fargo in regard to unauthorized checking and savings accounts opened in my name by Wells Fargo reps in the past, as late as XXXX.. Wells Fargo reps reply to CFPB stating in part ... " Numerous attempts at resolution made, exhausted all efforts '', which I can assure the CFPB and any other third party is a lie.. A XXXX XXXX replied to last complaint, this is the fifth rep to use such bogus reply as detailed earlier ... If anyone at Wells Fargo has made any such resolution attempts, they would be detailed and would include reaching out by Phone, email, mail..etc ... There were no such attempts, this is a general form reply Wells Fargo reps use and is blatantly obvious.. Complaints were filed in regard to fees charged to unauthrorized accounts, specifically overdraft fees. Wells Fargo has replied in part by sending me mediation request forms, a total of five of these such forms have been filled out, mailed in. XXXX XXXX with mediation at Wells Fargo contacted in me XXXX, offered a settlement amount of {$3700.00} which was accepted.. A check was sent in that amount including estimated income tax to IRS, a total of {$5100.00}, which was intercepted by another party and cashed in my name. I've been working with a XXXX XXXX, a supervisor with mediation, he is looking into fraud check and he was provided info as of XX/XX/15 which was provided by myself from an XXXX in fraud investigation ... I was told by XXXX the funds from check were returned on XXXX I believe to the account issued from with Wells Fargo.. I relayed this info to XXXX on XX/XX/15 I believe, have not heard back. I requested a check reissued in prior complaint, have not heard back.
Consumer complaint received 2019-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

The case was taken to mediation on XX/XX/XXXX and Defendant failed to appear. The case was dismissed per mediators. The Defendant hired another attorney who petitioned the courst several times for judgement. 

The courts original dismissal granted on or about XX/XX/XXXX entered in mediation by which defendant representative failed to appear at the mediation hearing on or about XX/XX/XXXX XXXX at which the plaintiff did appear in good faith with intent to mediate. The court sent a notice of dismissal of law suit to defendants and its counsel on or about XX/XX/XXXX. 

The court denied defendants motion for summary judgement on or about XX/XX/XXXX, and the courts second notice of dismissal to the defendants and its counsel on or about XX/XX/XXXX. On XXXX XXXX XXXX somehow the legal firm was able to overturn the dismissal without my ability to defend or have the court stand by its original mediation dismissal.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

Account Number XXXX with Nissan /Infinity. 
Please refer to case # XXXX for background of this complaint. Nissan reported to 3 credit agencies but still remains on XXXX. Emailed them to no avail, has not been removed.In email dated XX/XX/2019 to grounding team, see below, XXXX XXXX from XXXX XXXX of XXXX was assured this would be removed. Again please refer to past complaints, this charge being pd was the fault of XXXX, not myself.
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Utah System of Higher Education (NJ)

i have never recieved any payment information pertaining to my loan, i checked my crdit report and see that XXXX has reported me to the bureaus, until then i have never ever recived any notification that the loans were sue or i would have easilly paid them on a monthly basis. addtionally i had loans for XXXX now i over XXXX. 

it appears as if XXXX sent me elctronic notifications of which i never recvied, i also never ever recvied any documention from XXXX via USPS mail. i am more than willing to pay the loans monthly, but would appreciate if they can remove the negative info from credit bureaus.
Consumer complaint received 2019-02-21
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: Experian Information Solutions Inc. (PA)

I am filing this complaint as my other complaints against the credit bureaus and XXXX XXXX  continue to be ignored. I was just again refused credit because of a low credit score XXXX though every credit website including the credit bureaus themselves and XXXX XXXX report my score 100 points lower an sahow graphs of my score falling steeply when the only changes were the removal of three negative items. I continue to read about other consumers who have had this happen to them all over the internet. Then they are offered ridiculously high payments on everything and people cant get out of this trap. It is sick. Making over 50000 I can barely afford a place to live because my car payment and insurance is so high and because my score is so low despite paying high interest loans and credit cards on time having no glaring negative remarks and having others removed as inaccurate. I tried using this complaint form to complain against the credit bureaus and XXXX XXXX and only XXXX said anything offering some ridiculous gibberish explanation about various scoring models. Tell in what model are negative items removed and replaced with a lower score by 100 points. Why can I not get any answers. What does this company do when companies ignore complaints? Is there any way to mitigate this or is it a waste of time for me to try and work to support myself and my kids because arbitrariy decisions will be made that prevent me from even being able to afford a place for us all to live. I would be better off not working at all and being reliant on government assistance. Is there absolutely anyone who reads this and helps? 
Also now Im paying money to XXXX XXXX  every month in true hopes that we could move somewhere better but that also seems seriously impossible at this point and they have done nothing but take more money from me. Credit scores are a racket. My cousin who went bankrupt has no issues versus me who has never just abondoned my bills.
Consumer complaint received 2019-02-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

i made my XX/XX/2019 payment onXX/XX/2019 at there branch and the check for XXXX which included an extra {$110.00} as my payment is {$380.00} said check cleared my bank the same day.today i received a call tell me i had not made my payment and that it was 2 weeks past due please note my payment is due on the XXXX even if i had not made the payment it would not have been two weeks late today. when i explained that to the very rude PNC rep that called me she then got even nastier and said if i wanted it fixed i would have to hold for 30 or more minutes. i told her to go to XXXX and demanded that she put her supervisor on the phone as they were wasting my time with there mistakes. she refused to do so. this is the 4th time that PNC bank has messed up my paments. I am always very clear when i make my payment and request that any and all over payments be applied to the outstanding balance on my load. I have an XXXX credit score and a perfect beacon score so there are really stressing me out with all of these errors on a simple car loan.
Consumer complaint received 2019-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

There is a address in XXXX for me on my report. I never lived in XXXX, or had a PO box in XXXX. I lived in Minnesota all my life.
Consumer complaint received 2019-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a purchase with B of A credit card and paid off balance from XXXX XXXX checking account. Cancelled purchase on XX/XX/XXXX2019 and contacted B of A and asked them to return funds to XXXX XXXX checking account. We were told the transfer would take 5-7 business days. The funds were not transferred back so my wife called B of A again and was told funds are in process and again would take 5-7 business days to be transferred. Waited again as of today XX/XX/XXXX2019 the funds were still not transferred. My wife spoke to Supervisor XXXX from the XXXX New Jersey office and again was told funds are pending and would be transferred in 5-7 business days. This was the second time my Wife spoke to Supervisor XXXX prior to speaking to other representatives the last couple of weeks. Please see their reference number XXXX.
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DISCOVER BANK (PA)

I do not know the amount offhand, but it's about a thousand dollars. 

I initially told the company around last XXXX that I could not pay because I had a XXXX, was in a divorce, and lost my job. They said they would stop late fees and I told them to contact me in 2 weeks. They called at least twice before then.

About 3 weeks ago, when my house was foreclosed on, I got another call from them. I explained I was going literally homeless, with no income, and they offered to put a hold on my account ( sound familiar? ). They said or agreed they would freeze my account and not call me for 2 months, giving me time to get situated. Today, they said my account is in collections, not frozen, and had no answer as to why, when I was told it would be put on a freeze. 

I've since received at least 3 calls last week, 2 calls the week before, and one today. They told me last week they would freeze my account, and that they never call more than once a week. I missed a call today and called them back, getting pretty firm with them. 

They told me they " can not honor requests not to call certain days or times '', which it's my understanding the law requires them to honor ( eg for work ). I go to school and it's getting me in trouble, because I have to answer because my grandmother has XXXX. I address this, they say " well it's outside of our technology to limit call times ''. 

I've also not received written notice because I'm, you know, homeless. I'm living off FAFSA, renting a room I can't even use as an address for food stamps or to register my dog. They threatened to have an attorney contact me anyhow, I said " let them, they can't send any certified documents when I'm homeless ''. She continues to express how I have an agreed debt, and if I recall correctly she insinuated something about garnished wages.
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (FL)

I took a look at my recent credit report and noticed a great quantity of INQUIRIES on my credit report. I added some already but will be relisted below along with some other inquires with the date of inquiry i could not add before. 
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 
I want all of these fraudulent unauthorized inquires off of my report.
Consumer complaint received 2019-02-20
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 (KS)

On XX/XX/2019 I made a payment of XXXX to my credit card serviced by synchrony. The credit card company hadn't posted it by XX/XX/XXXX so I call them. They said there is a known issue of payments not posting that day. I said I wanted to dispute the missing payment. They said no they would not do it. They have no timeline for a fix and they acknowledged fees may show on the account because of their mistake. They said they may reverse the fees but why go through all that when I should be able to just dispute it and have it corrected right away. They said this is effecting everyone who made a payment on XX/XX/XXXX. How many people is this mistake hurting is unknown but please help them.
Consumer complaint received 2019-02-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

From XX/XX/XXXX we were in court due to a required balloon payment that was due that we could not pay on our HELOC. In XX/XX/XXXX, the case was dismissed and we continued to try to sell the property. In XX/XX/XXXX, we received a letter from a debt collector indicating they were working for the bank. The amount the debt collector state was due conflicted with the statements that were still being sent from the bank. I called and made an offer to settle the debt and they refused. In XX/XX/XXXX, my wife and I both had money taken from our bank accounts and 10 days later we received a letter indicating it was applied to the loan and that the bank was exercising their right to setoff. They have not indicated that the matter is closed but state that there is still an outstanding balance.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

The company name is Portfolio Recovery Associates, LLC This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local XXXX department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone. 

When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called Portfolio Recovery. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. 
After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. 
On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. Portfolio Recovery is also on my credit report with the same amount owing to them as well. Both XXXX and Portfolio Recovery have put late payment status and amount still due on my credit reports. Portfolio Recovery has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. 
On XX/XX/XXXX, I received another civil summons from Portfolio Recovery, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. 

I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when Portfolio Recovery started automatic withdrawals on my account and when I had it stopped.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I had Lexington law for quite awhile. I canceled service and was billed a extra month later, for an additional month of service. 
Also, I was constantly charged for services every month, that were not done. I did not see any change until I called and requested escalation of service and then thereafter, there were still times months went by without any action being executed. 

Upon canceling the service, everything that was removed was placed back on my report and some that I had no knowledge of, leading me to believe that Lexington Law is a partner with the credit bureau or companies that purchased/owned the debt.