davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (MA)

I received a letter from Macy 's ( I have an American Express credit card with them ) dated XX/XX/2020 notifying me that I could make privacy choices in three areas to limit the sharing of my information. I called the number they provided. There is an automated menu that they say will " prompt you through your choice ( s ) '' A chart showed that I could limit three types of sharing. 

I found that the automated menu only offered me one of the three kinds of sharing to limit. Once I chose that, I was offered other menus for other kinds of actions, but no more limit sharing. I hung up, called the number again. This time the automated voice told me I had already limited one particular type of sharing, and did I want to limit a second type of sharing. I pressed the number for that, and again, I was not offered any other choices that would lead me to the third kind of sharing. 

I hung up and called a third time -- was not given any choices at all, and so I opted for a live operator. He said he would be able to change my third type of sharing, then told me that I had already opted out of the three types. 

Ideally, I'd prefer this be an " opt in '' method, so the consumer doesn't have to opt out. 
But if that can not be, then I feel that the way this " opt out '' phone menu is designed is deceptive to the consumer, who may go through the first step and think they have opted out of all three types of sharing. There is no reason a consumer should have to call three times to accomplish this, in my opinion.
Consumer complaint received 2022-04-27
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Credit Card and Loan Services is horrible. I pulled my credit report and seen there was a balance from Wells Fargo Bank. I immediately contacted the company and they asked what am I able to pay. Due to my daughter being diagnose with XXXX she had to have XXXX and I was out of a job. I wasn't working and had no income. Because it was affecting my score, I borrowed money to pay them. I sent a certified letter and check for {$1000.00} for each account they claimed I owed. In the letter it states, if company cashed check, they are agreeing to remove the negative impact on my credit file and bring to zero. The company cashed the check on XX/XX/2021 and did not abide by the letter. It is still on my credit report and affecting me tremendously. So when I called the creditor the representative stated they do not read letters sent the payment is just processed. Keep in mind, the letter was stapled to the check, so how did they not see it?
Consumer complaint received 2022-03-14
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: EQUIFAX, INC. (GA)

I mailed a letter to Equifax on XX/XX/XXXX to investigate the following : I have carefully reviewed my credit report and can't seem to make sense of some items you are reporting. I need you to take a look at the following items due to the fact that you are hurting my good name by reporting these inaccuracies. Account Name : XXXX XXXX AND XXXX Account Number : XXXX How can there be 3 different dates of last activity listed? Equifax reports XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX reports XX/XX/XXXX. Per FRCA laws, your agency must report accurate information on my credit report. According to this inaccuracy you are in clear violation of the FCRA. Delete for inaccurate data being furnished on my credit file. Send me a copy of my credit report once you have done my request. My concerns were never addressed, I received a notification on XX/XX/XXXX that my dispute results were available for review. The results were that this account was update. The only Item that was updated on my report was the date of dispute. The reporting agency did not acknowledge or provide an explanation to my questions or concerns. Ive been disputing the inaccuracies of this account for going on two years. The last complaint that I made about the agency was closed as the agency stated that information would be provided to me. After this complaint was closed the only notice that I received from this agency is they would not investigate this account again if I didnt provide another reason for dispute. However, Ive provided the agency with numerous inaccuracies regarding this account. From the date of last activity, high balance, balance owed, date of last payment, term length, and account status. I will not accept Equifax stating that they will provide me with more information in order to close this complaint. This agency needs to update this account with correct information or delete due to the inaccuracies. Saying that this matter has been initiated with the with the data furnisher will not do. I received a copy of my credit report from Equifax dated XX/XX/XXXX. Within this report all the Date of Last Activity is blank. Isnt this considered an error on my report? I ask that this investigation be reopened or Ill file yet another complaint against this company. Please review my previous complaints against this company due to their inability to provide facts of why these inaccuracies are still on my credit report. XXXX, XXXX and XXXX are complaints against this company for reporting inaccuracies on my report and CFPB closed these complaints are the company states that they initiated an investigation with the data furnisher. Have Equifax provide the proof of the previous investigation back in XXXX of XXXX and provide to both the CFPB and myself.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MD)

XXXX XXXX XXXX XXXX was paid through a private trust account ; therefore the debt was satisified. Berks Credit & Collections, XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX has bought the debt for pennies on the dollar. I sent a debt validation letter to them in which they did not respond in XXXX of 2015. They are still sending letters. I did not sign a contract with them and they continue to harass me, attempting to extort monies and committing mail fraud. I would like you to investigate this agency because they have no legal or lawful ground to stand on. 
XXXX XXXX XXXX XXXX XXXX XXXX My contact information is XXXXXXXXXXXX
Consumer complaint received 2016-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

Fedloan Services provided a letter indicating a requirement for recertification for the Pay-As-You-Earn-plan. Upon failure to certify by XX/XX/2017, the letter states payments will increase to {$410.00} on XX/XX/2017. However, this payment is lower than my current payment which appears to an error. Under all the material that I have read regarding federal loans, in the event of non-recertification, payments will revert to the standard plan. I find this letter extremely confusing and dangerous. If I were to rely upon this letter, I risk facing an additional {$1400.00} in monthly expenses. The standard payment 10-year for my loans is over {$1800.00}.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following accounts in dispute are listed below : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX  # XXXX****, XXXX # XXXX****, XXXX XXXX # XXXX  I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (CA)

My husband and I got XXXX car leases from American Honda finance corporation they did a trade-in for my XXXX XXXX XXXX and they gave us XXXX XXXX XXXX XXXX then a couple of months later they turned it into an auto loan what they did is they had me co-sign for my husbands & my husband cosign for mine. They knew what they were doing because they manipulated the paperwork. I went to the Honda dealership in XXXX CA. I just got a letter from a lawyer 's office stating that they were having some type of lawsuit due to the fact they would hive higher APR 's for minorities XXXX XXXX ( my race ) XXXX and XXXX than XXXX people. The cars were later repoed voluntarily. I want this removed from my credit report because if they crooks & gave people higher APR 's I should n't be responsible for what they did, & to put me & others in a financial bind I am looking into talking into a lawyer or I would love for you guys to take this case. Please get original paperwork. Also they denied me to get my belongings out of XXXX of the cars because it was repoed. They told me I must pay before I can retrieve any items.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I filed a Chapter XXXX Bankruptcy on XX/XX/XXXX. The Bankruptcy was discharged on XX/XX/XXXX. That being said, it got my attention that on a credit report pulled on XX/XX/XXXX I found that XXXX mortgage loans with XXXX XXXX XXXX and an auto loan with XXXX XXXX have been reported incorrectly for almost 2 years or so. Here is the detailed information of these XXXX accounts : XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX XXXX Account # XXXX - Status : Bankruptcy - Last time reported : XX/XX/XXXX XXXX XXXX Dealership Account # XXXX - Status : Bankruptcy - Last time reported : XXXX I never missed a payment. I understand that during the bankruptcy process the financial institutions mentioned above could n't report my payments to the credit bureaus because that would be a Federal Law violation. But what about after the Bankruptcy was discharged? I have proof that I have been making payments on time to the financial institutions mentioned above. The mortgage loans with XXXX XXXX XXXX are still active and I am making payments. The XXXX XXXX auto loan is finished and I received the Certificate of Title on XX/XX/XXXX. So how come these XXXX accounts status is still " Bankruptcy ''??? 
Please see the page of my credit report where the account not only are report as COLLECTIONS but the creditors reported the accounts with " Bankruptcy '' Status a year later after the Bakruptcy was discharged and no payments reported after that. So, what happened with the payment history of these XXXX accounts?
Consumer complaint received 2016-11-06
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNTRUST BANKS, INC. (TX)

Suntrust Bank and its affiliated debt collection companies have contacted me through mail and phone numerous times over the past year. At XXXX point they were calling me daily and getting letters once a month. I have sent XXXX certified letters explaining that this is not my debt and provided information showing that this is not my debt as I do n't match that person 's social security, date of birth, place of residence, place of employment, etc. They continue to contact me through various other collection agencies for the same debt. I have spoken to XXXX representative as well and given her my required information and still my issue has not been resolved.
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpine Credit, Inc (CO)

I recently applied for credit and during a review of my credit report an entry for Alpine Credit was identified as active and unpaid. This is patently false and I have documentation to prove my claim in the form of the payment receipt and confirmation from Alpine that the debt was paid in full back in XXXX of 2012 along with a guarantee from XXXX XXXX XXXX XXXX that the debt would be removed from all of my credit reports!
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

I have previously disputed this credit card account from XXXX XXXX XXXX with both Equifax and XXXX XXXX XXXX. I have disputed the account several times and each time receive a different response from Equifax. The updates/responses I have received are- no payment information provided on my report or incorrect payment information reported on my account. I have also written to XXXX XXXX XXXX asking them to provide me with the payment history on the account and to verify the accuracy. I continue to get the same form letter from them which is attached as a file below. 
This account was charged off XX/XX/2009, it has been charged off for more than seven years and should be deleted from my Equifax credit report. I have experienced re-aging on this account multiple times. And seen from the screenshot below there is no payment information attached to the account right now just a last payment date which is not accurate. Additionally this account was showing as removed and then re added the screenshot is attached. 
Please delete the XXXX XXXX XXXX credit card account from my Equifax report.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On Wednesday XX/XX/XXXX, XXXX XXXX mis-charged my account {$440.00}. They were willing to help but explained the refund would take 7-10 business days to show on my account. They advised me to call my bank so they could expedite the process. Called BOA and waited for a rep for 47 minutes before an answer by the claims department. This employee told me there was nothing she could do for my account at the time. After going back and forth for 15 minutes, she transferred me to customer service. I explained my story to the CS rep who, once I finished, full-bellied LAUGHED at me. Said he did n't know why I would have been transferred to him. He sought out a supervisor who said she would call XXXX on my behalf and call me back. She never returned my call. On Thursday, XX/XX/XXXX, I called BOA again and spoke with a XXXX in CS. After 14 minutes on hold waiting for an answer, she was able to add a temporary " memo credit '' to my account. On Saturday, XX/XX/XXXX, the " memo credit '' expired but I was not notified this would occur and received an e-mail on Sunday XX/XX/XXXX that my account balance fell below {$25.00}. Called BOA again, waited on hold about XXXX minutes before speaking with a CS rep who told me she could n't help me and would need to transfer me to claims. After about 40 minutes on the phone with claims, they forced me to open a claim when all I wanted was for someone to put another credit on my account until XXXX finished their refund. Claims rep told me to check my account Monday XX/XX/XXXX for the claims credit. Come Monday XX/XX/XXXX there is still no credit on my account from BOA or XXXX. I call BOA AGAIN. 47 minutes waiting for an answer and an hour on the phone with a CS rep I finally get a supervisor named XXXX who puts another memo credit on my account and assures me she will keep on an eye on my account until everything is righted. On Tuesday, XXXX, XXXX 's refund and the claims credit posts to my account. I now have XXXX credits on my account. Wednesday XX/XX/XXXX the second memo credit expires. On Thursday, XX/XX/XXXX the claims credit is removed from my account and now I only have the refund from XXXX, which is all that should be there. Thursday XX/XX/XXXX, BOA has deducted ANOTHER {$480.00} from my account. I spent 2 hours and 37 minutes on the phone with a claims rep and a claims account manager who both insist that this is my fault and everything on their end is correct. I was meticulous in keeping records on my account during this entire process and am 100 % sure that BOA has taken an extra {$480.00} from account that they refuse to give back.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Background : XXXX XXXX, 2015 - I consolidated XXXX student loans into XXXX prior to XXXX 2015 I did not have a loan contract with XXXX. 
I am in a housing program called XXXX seeking a housing mortgage. When they pulled my credit I was told I have a collection on my credit report from TransUnion and XXXX. 
Naturally I pulled my credit and my account with XXXX/XXXX student loan is indeed showing up as in collection and late -TransUnion 120 days late, XXXX 180 days delinquent. 
I would like to contest this information incorrect again. My account is not it in collection, not is it 190 days late. 
I have attached : 1. the consolidating lending contract dated XXXX XXXX, 2015, 2. XXXX account summary account XXXX, 3.XXXX disputes sent electronically, 4. XXXX credit report with credit bureau findings. 
I can not apply for a housing loan with derogatory information on the credit report. 
I would like this derogatory information removed from my credit report.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MS)

My mortgage lender is Ocwen Loan Servicing. My hazard insurance payment of {$1500.00} was due XXXX/XXXX/16 to XXXX Insurance Company. As of XXXX/XXXX/16, it has not been paid. My insurance agent has attempted several times to get an overnight payment. She was told that service was unavailable. I received an email from XXXX insurance that my coverage will be cancelled as of XXXX/XXXX/16 if they have not received a payment before then. I have now spent 45 minutes on XXXX/XXXX/16 on the phone speaking to XXXX representatives/supervisors. I was told that they see that the payment request was made on XXXX occasions but were cancelled due to computer errors? I have now requested an emergency overnight payment as of XXXX/XXXX/16, and while they tell me that this has been completed, they are unable to give me any confirmation number, email, letter, etc. This has to be illegal or at the very least it is unethical. I have never been late paying my mortgage payment and my money is in the escrow account to cover this. What do I need to do?