davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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. (AL)

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX, XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX 1st Payment Coupon, 8.5x11 inches, which I had received via USPS First Class Mail XXXX XXXX, XXXX, stating first payment due XXXX XXXX, XXXX, which I had photocopied, from XXXX , IL XXXX. I need Bank of America to return that original Payment Coupon to me. 

Sincerely, XXXX, IL XXXX XXXX
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XXXX Bank of America posted my daily transactions so that the largest one was processed first resulting in my incurring 4 overdraft fees instead of one and 4 CREDITORS NOT PAID INSTEAD OF ONE. Had they posted the smallest first I would have incurred one overdraft and one creditor not paid. 

If I recall they lost a huge class action over this practice yet they continue to do it. This is nothing but an OBSCENE.money grab ... it is disgusting and outrageous. 

This was also amid an incoming wire transfer that was sent by a XXXX party to me on XXXX, but for some reason they dont process until THE SECOND BUSINESS DAY AFTER A HOLIDAY???????
Consumer complaint received 2016-11-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

XXXX/XXXX/16 reported XXXX XXXX as central finl control XXXX, next day reported as syndicated office systems same address. They go back and forth to tank my credit score. on XXXX, my report shows account closed from central finl control on XXXX and XXXX, XXXX does n't even show name. now again on XXXX, if the acct is closed, which why are these people reporting when I am paying original debt. why do they keep sending this negative info. to lower my score and no calls, no letters from them.
Consumer complaint received 2016-11-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (OH)

So, during college we were always fed this dream that we would make enough to make affordable payments plus our living expense 's. I really tried hard at school and graduated although I had a XXXX. I 'm happy to say that I also work for the XXXX but it happened by a freak accident through a other company I was working for was bought by the XXXX. So, the first payment I maid in XX/XX/XXXX or XX/XX/XXXX was because of my taxes XXXX. As we got further into my job I noticed thing were not what they seemed due to payment I could not afford it at all. We are talking XXXX to the XXXX range including my rent, car, utilities and necessities had a XXXX and his sick father that I was taking care of do to XXXX and still do it. I 'm basically homeless living with my parent do to debt and my son fathers illness making XXXX an hour going on 4 years and started at XXXX an hour you do the math. Trying to stay together. I 've been putting holds on my account now since I knew there was no way of paying at this rate. I thought the XXXX was supposed to take me places ... not this way can not make it. They will not make lower payments at all I have tried. Help
Consumer complaint received 2017-01-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (CA)

After Graduating from XXXX University on XX/XX/XXXX, I received a phone call in early XX/XX/XXXX from Great Lakes Financial urgently urging me to transfer all of my Federal Loans over to them. Not quite understanding the need, In trust I follower their recommendation. In the XXXX years that I have been paying on these XXXX loans, I have only paid {$2000.00} in Principal. Starting balance was {$53000.00} to date balance is {$51000.00}. My complaint is that I feel as though I was taken advantage of and see no end to the repayment of these loans. Below are current and previous loan information from my Great Lakes account web site. Please advise how I can improve my situation. 


Consolidation Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX Parent PLUS Loans XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX ) Payment Reference Number : XXXX
Consumer complaint received 2016-06-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

My car loan was sold to Santander Consumer USA ( acc # XXXX ) in XXXX XXXX. I was subsequently laid off and fell behind in my payments then asked all my creditors including Santander for some temporary help until I can be re employed, this occurred around XXXX XXXX. Santander decided to place the past due payments at the end of the contract, to which I agreed. However apparently the very payment which was then due was not included unknown to me. For three years I was billed a late fee which averaged approximately {$24.00} monthly. After I realized what was happening I contacted Santander to seek relief and the reason why that payment was not included in the verbal agreement. None of the agents I spoke to were willing to help, I finally wrote Santander but I have gotten no response. I find it ridiculous that they would do something like this as why this payment could not have been included. I have continued to pay my loan every month since while the unjust late fees continue to accumulate to approximately over {$900.00}. I seek help in getting this late fee overturned. I am a pensioner and live on a fixed income and do not have the money to satisfy Santander 's greed. I was advised to contact you for a resolution. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2015-08-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AZ)

full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact XXXX XXXX XXXX, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted XXXX XXXX XXXX XXXX and Diversified Consultants, XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.
Consumer complaint received 2024-10-03
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. (OH)

I am a victim of identity theft. This is my official statement about the crime. The following accounts are a result of the identity theft. 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. Including inquires, XXXX XX/XX/year>, XXXX XX/XX/year>. I do not know anything about the person who stole and is using my identity. I am seeking remedy for the fraudulent accounts to be blocked and deleted from my credit report and file immediately.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (NY)

I typically get email confirmation of payment made which I keep in a payment folder. 
after my last payment on XX/XX/XXXX the email did not arrive I 've been on chat the next night with AMEX chat " XXXX '' who said there was a glitch and I would have it Sunday, this is Monday night and I have been on live chat for 2 hours with several different customer service and XXXX supervisors who tell me they can not resend the email, they made me jump through hoops change my email wanting personal information, and said I could change email myself, so I did and they still tell me they can not send a simple email confirming my payment. 
Desired resolution is for them to send me an email XXXX XXXX
Consumer complaint received 2024-10-03
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. (TN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-10-03
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. (IL)

I obtained an copy of my credit report noticing that there are several errors being reported from the credit bureaus XXXXXX/XX/XXXX unauthorized DEPT OF EDXX/XX/XXXXunauthorized XX/XX/XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXXunauthorizedXX/XX/XXXX unauthorized XX/XX/XXXX unauthorized XX/XX/XXXX unauthorized
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have found that these inaccuracies are still reporting on my file and it's disappointing considering how I have reached out to your company twice regarding these accounts. It's so disappointing to consistently ask of you to investigate these because it's causing me so much stress.
Consumer complaint received 2024-10-03
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)

fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit cards opened at XXXX XXXX XXXX XXXX  around XX/XX/year> account XXXX and The account have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.
Consumer complaint received 2024-10-03
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. (KY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-03
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)

i am filling this FTC identity affidavit to report 2 separate fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit card around may account opend with XXXX XXXX XXXX on XX/XX/year> XXXX These accounts have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.
Consumer complaint received 2024-10-03
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 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 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 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was shocked this morning when I saw incorrect accounts on my credit report. I cant understand how this could have happened. I check my credit report regularly, and everything was fine until nowsuddenly there are discrepancies out of nowhere. I even tried refreshing my browser, hoping it was just a mistake, but nothing changed. Im urging for the documents Ive submitted to be thoroughly checked so I dont have to deal with this kind of stress ever again.
Consumer complaint received 2016-07-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

Glad debt collection has turned in negative remake on my credit report. The debt they are attempting to collect was voluntarily direct deducted from my payroll check by the company that charged me. have not contacted me in writing about the debts. They have not provided me any proof that I am responsible for said debts. They have not provided me any documentation tat I agreed to pay the original debt.
Consumer complaint received 2017-01-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

This complaint concerns a distribution from my old XXXX from Wells Fargo as a rollover to my new XXXX. Last year, I closed my Wells Fargo XXXX account and asked for a check for the entire balance to be made out to my new XXXX financial institution XXXX my name. I received a check in the amount of what I was told was the entire balance made out correctly. Subsequently, I was sent XXXX more checks that included small additional distribution amounts. Some of these checks were not made out the correct way, as in the money was distributed in my name instead of the name of my new financial institution. Every time I get XXXX of these checks, I have to print out the roll-over forums and mail everything priority mail to my new institution. More worryingly, this company made additional distributions in my name instead of the financial institution with XXXX. Because of this, I now owe a tax liability on this money. I was never asked for nor gave consent to have the checks made out to me, and I was very clear in the multiple calls I made prior to receiving this money that I wanted all checks to be made out to my new financial institution. I called Wells Fargo, and they refused to do anything about how these checks were made out or to redistribute it to me.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (NC)

A random {$290.00} disappeared from my bank account without my knowing on XX/XX/XXXX. This happened without my authorization or anticipation. I did not notice until looking up my account balance before heading out of town for holiday break. After calling Simple to inquire about this random charge and have my funds put back into my account, instead they locked up my account for now over XXXX weeks. Simple has provided zero assistance and no resolution in my matter. In fact, their customer service has flat out just gotten horrible over the last few weeks in comparison to what they used to be. I 've been a customer of Simple 's for years, since the very beginning of their inception as a company. This is the first time I 've felt completely let down and almost misled. Each and every phone agent, XXXX, dispute XXXX and email support agent gives me the same excuse of " we are sorry but have no information we will be in touch when we have something. '' This does n't fly with me. Had this been an account with ANY OTHER bank, I 'd have answers. What happened to this {$290.00}? Where did it go? Temporary credit so I can continue on about my life for the holidays? No. I 've spoken with so many agents at this point, we 've taken steps backwards and have accomplished nothing ... zilch. Judging from the dozens and dozens of similar comments over the recent weeks from other customers on Simple 's social networks - this is NOT an uncommon problem. Many other customers are reporting missing funds and Simple having no answers or resolution. Seems to be happening here right around the time of their switch to another bank or something of that nature. In any case ... something is amiss and I do n't feel Simple is handling business appropriately.
Consumer complaint received 2017-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

We have been processing a short sale for months now with Wells Fargo. They ordered a new BPO and appraisal and were updating me a few times a week that they were just waiting for the value to come in. They sent me a few emails last week that they escalated the BPO results and would let me know ASAP as soon as it came in. Not having heard anything, I sent a few follow up emails to the negotiator and his manager but they went unanswered. I followed up with a phone call and was told that the file was removed from short sale 2 days ago and a sale date was scheduled for XX/XX/XXXX. They said there was no one available that could speak with me regarding this file.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Windham Professionals, Inc. (NY)

Creditor is attempting to collect a debt that is not owed. The agency states {$4900.00} is owed for a workers compensation policy renewal to XXXX XXXX. A cancellation of this policy was requested several weeks prior to the renewal date. No renewal should have been issued. No bill was ever sent to us. No attempts to contact have been made, until now. This is not a debt that is owed.
Consumer complaint received 2017-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc. (MS)

I received a phone call on XX/XX/XXXX from an agent from cbcs trying to get me to validate a debt that is being held in their office..I answered the call because I have asked the collection agency not to call me any further because I pay this debt directly to XXXX and I have been since XX/XX/XXXX, cbcs has not adhered to my request ... They have gone to the extent to call me from local numbers which I answer because of the area codes ... I am asking that cbcs to not contact me any further and to release this collection back to XXXX..The payments are made directly to XXXX under my account number which was generated by XXXX ... I do n't owe cbcs and they are continuing to harass me on a daily basis..