davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc. (KS)

I was called today by Advance America and informed that my payment had not gone through on the XXXX, the date it was scheduled to be withdrawn from my checking account, and that I needed to pay that today. It was only after I asked as to why it had not gone through that I was told of a network outage at Advance America on the date it was to be processed that caused the payments to not go through. I told them I would need to check my bank account and get back to them. I checked my bank account and there was a withdrawal, for the full payment amount, by Advance America on the XXXX. When I called back I was told and explained that, I was then informed that the treasury had begun recognizing the payments from the dates of the network outage and that they would soon be able to see if the payment had gone through or not. 

I verified several times with them that they had called me informing me my payment had not gone through, when they in fact had no idea if it had processed or not, and informed me that the payment had not gone through, and that I needed to pay my bill today. At no point before I asked was I told that there had been a network outage and that they did not know if the payment had processed or not until I began to ask questions. Just simply that my payment had not gone through ( when it had ) and that I needed to pay today.
Consumer complaint received 2020-04-19
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: Grant Mercantile Agency (CA)

On XX/XX/2018, my wife had undergone a medical procedure. The amount to be owed was sent to us by the hospital where this procedure was performed and the amount was paid in full. Now the XXXX Company that performed the procedure in the hospital is billing us separately for an original balance of XXXX US-dollars however, we have never received the bill for this that is why we were never aware of the charge pending and had thought that we had already paid everything when we paid the Hospital where the procedure was performed. Due to this, the XXXX company had forwarded our account to the collection agency on XX/XX/2018. I had tried to reach out with the original company/Lender regarding this matter and they had told me that the billing company that handled this matter no longer works for them, Leaving me with no option but to directly engaged with the collection agency. I called the collection agency and had explained that we had never received the bill that is why we never knew we had to pay anything. According to them, the previous billing department had attempted to call and mail a bill to us numerous times but failed. My argument to them was that on XX/XX/2018, we had moved to a new address and we would not be able to get any mail regarding the matter. As per the calls, I do not recall getting any phone calls regarding the bill. The reason we found out about this was when we are trying to run our credit and it shows as a negative report in our credit.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX 's put me in on a " Long Term Assistance Program '' for the credit card on XX/XX/XXXX. The terms were to pay the minimum payment for 60 months and they closed the credit card. This was in XXXX of XXXX. They then continued to report late payments - 120 Days Late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Then started reporting On Time Payments in XX/XX/XXXX and XX/XX/XXXX. Then from XX/XX/XXXX to XX/XX/XXXX they have reported 30 Days Late EACH MONTH. I've been making my minimum payments as I was instructed to but XXXX says the way that it records in their system is late ( even though its not 30 days late ). In XX/XX/XXXX they stopped the Late Payments ; however, the previous ones are still there when I was just following the plan that they gave me. They did not disclose that paying the minimum payment and being on the program would still report late payments to the credit bureaus. 
I've disputed this issue with the Bureaus and XXXX 's multiple times but can't get them removed. XXXX 's has admitted over the phone that it shouldn't have reported late payments but they can't do anything about it because of their system reporting. The credit bureaus just verify the information when I dispute with them. 
Further, the letter received when put on this program says that my minimum payment will be {$120.00} and no late fees will be applied.
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (NY)

The list of accounts below has violated my federally protected consumer rights to accurate reporting and right to privacy and confidentiality under 15 U.S.C. 1681. This section states I have the right to privacy. Furthermore, Section 604 A Section 2 of the same statute states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information that antedates the report by more than seven years. Additionally, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to have reasonable procedures in place to ensure that information they provide to third parties is accurate and up-to-date, as stated in 15 U.S.C. 1681s-2 ( A ) ( 1 ). Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (NC)

I have been working with Mr. XXXX XXXX from Prime Lending in XXXX XXXX Texas on and off for almost a year. I just recently set up an account online with Prime Lending to start my home buying process on XX/XX/2020. In the past 45 days MrXXXX XXXX applied for a mortgage loan WITHOUT my permission on XX/XX/2020 as I simply asked him to run my credit report so we can get an idea of what needs to take place on my end. That caused my score to drop XXXX points after being raised XXXX. I reached out to all three credit bureaus and was told by them after being on hold for more than a hour each time that he, XXXX would have to reach out to them along with Factual Data to have the hard inquiry removed. I called and texted XXXX. He admitted to what he had done and said hes never heard of an inquiry being removed because of the loan officers mistake and said he would fix the issue to get me a home loan. I then received an email from him to set up an account which I did. At this point I am livid as Ive worked really hard to save money and build my credit so that I can buy a home for my son and I! On Friday, XX/XX/2020 I reached out to XXXX because he said there was a dispute on my report and it would take 10-20 days to resolve. It had been 10 days and I wanted to know if there was anymore info he needed from me to assist with the process. Mr. XXXX responded with credit scores that do not belong to me, what I needed to do to bring those scores up and someone elses SSN via text message ... .. I called him immediately as I refused to send my SSN back with correction. He answered the phone calling me by someone elses name as he had our information intertwined. Mind you, I personally know the lady of the SSN that he sent me. I have yet to speak with her about this as Im trying to get my issue resolved. XXXX said the dispute still hadnt been resolved and it would take 21 days which in fact it had as I paid {$29.00} to have my report pulled again to check for myself. He tried to cover himself again, but I can not run the risk of working with him any longer. This may have very been a mistake, 2 too many in fact and I have asked him to close my account with Prime Lending via text message so that I have documentation. I reached out to his Branch Manager on Sunday XX/XX/2020 as I felt it would be best to contact them directly instead of filing a corporate complaint or contacting the XXXX. XXXX XXXX, his manager contacted me back and we spoke on Monday XX/XX/2020. She emailed me a copy of my credit report and stated that I must have authorized the request when in fact there are four pulls on my report from Factual Data. Legally I only only authorized the one. She also stated that she would get in touch with Corporate regarding my request to have the Hard Inquiries removed.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : # 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 instructio

ns 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I was searching for a work from home job. A company I applied with sent me a check for {$1800.00} and wanted me to purchase XXXX products for company software to do the job. 
I deposited the check on XXXX. 

Before I purchased the items, I contacted my bank, via my mobile app.to verify that the check was legitimate. I hit the " contact us '' option which directed to their virtual chat " XXXX '' She assured me that the check had cleared and the funds were there. I triple checked asking questions " Are you sure the check is legit? '' " Can they reverse the check at any point? '' If it is a bad check, am I responsible for the money? '' To all my questions, her response was that the check was good & the funds were there. 
Having confirmed with my bank that the check was legit, cleared & the funds were there, I proceeded with the job requirements. 
On XXXX I was notified by my bank that the {$1800.00} was a " Return item, chargeback '' & they had taken money out of my account to cover it. 
I called my bank to question as to why & how this could happen because I checked & then checked again with them to make sure the check was legit & I would not be held accountable for the money if there should be an issue with it in the future. Multiple times they reassured me that it as a legit check & the funds were there. 
They said that the check turned out to be fraudulent and that I was responsible for the funds. 
They should NOT have told that the was legit and the funds were " safe ''
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (CA)

Since I have not attended college since 1995 both XXXX  XXXX   XXXX  and Experian are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how everwood XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX  and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law
Consumer complaint received 2023-02-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute some of the negative items that are being reported on my credit report by your company. I have recently obtained a copy of my credit report and noticed that there are some inaccuracies and discrepancies that need to be addressed. 

Firstly, I would like to address the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Secondly, I would like to dispute the charge-off accounts reported by XXXX XXXX XXXX XXXX account numbers XXXX and XXXX. I have never had an account with XXXX XXXX XXXX and I believe these accounts have been mistakenly added to my credit report. I request that you investigate and remove these accounts from my credit report immediately. 

Thirdly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. I have never had an account with XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Fourthly, I would like to dispute the collection account reported by XXXX XXXX XXXX XXXX, account number XXXX. I have never had any dealings with XXXX XXXX XXXX XXXX and I believe this account has been mistakenly added to my credit report. I request that you investigate and remove this account from my credit report immediately. 

Lastly, I would like to dispute the charge-off account reported by XXXX, account number XXXX. While I did have an account with XXXX in the past, I believe that this account was settled and paid off in full. I request that you investigate and update the status of this account accordingly. 

I request that you investigate these disputes and make the necessary corrections to my credit report as soon as possible. Please send me a written confirmation of the outcome of your investigation and the actions you have taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The names and address on my credit report are wrong. i never lived at any of these address and none of these names are mine. these are the names that are wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the wrong addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX texas XXXX XXXX XXXX XXXX XXXX texas XXXX These are they wrong employers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

I received an email from CIT bank stating that they need to verify my identity to open an account. 

The person attempting to open the account has my name and email. 

The person is not me I tried calling the fraud number with CIT and all I get is a bunch of automated options.none of which relate to fraud. 

This is the second attempt for someone to open an account in my name. There was one with XXXX XXXXXXXX XXXX several months ago. They wanted my personal information to resolve and I refused. I filed a complaint with my local Sheriffs office.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (AZ)

I contacted citi to change my credit card for one with no annual fee when I did that the manager I spoke to told me the annual fee would be reversed/refunded. I did not make a monthly payment as I owed $ XXXX and the refund was for {$100.00} for the annual fee. {$100.00} would cover my balance and leave some left over credit. I did not make a payment thinking that it would be covered as I was told by a manager. I called citi on XX/XX/20 and was told they would not be reversing the late fee ( caused by bank error ) nor would they be reversing the annual fee. The manager/ supervisor I spoke to made it seem like I was lying when I said a manager told me the annual fee would be reversed. If calls are recorded or noted Im sure it could be found that I was in fact told that. When I asked for a higher manager the representative told me they were only available during business hours ( although they answered my call meaning they are open? )
Consumer complaint received 2020-04-21
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: CarMax, Inc. (CA)

FOR THE PAST 8 MONTHS I HAVE BEEN TRYING TO RESOLVE THIS MATTER WITH THE BUREAU AND THEY ARE NOT COMPLETING THE INVESTIGATION, THEY ARE NOT PROVIDING SUFFICIENT EVIDENCE, AND I AM A VICTIM OF IDENTITY THEFT, I HAVE GIVEN MY POLICE REPORT MY FTC REPORT, I FILLED OUT THEIR REQUIRED AFFIDAVIT AS WELL AS WELL AS NOTARIZED THE DOCUMENT AND THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, I AM IN THE MIDDLE OF TRYING TO REFINANCE MY HOME AND THESE 2 ACCOUNTS THAT ARE REPORTING ON MY CREDIT REPORT ARE NOT BEING REMOVED WITH ALL THE CORRECT INFORMATION THEY HAVE RECEIVED. I HAVE TRIED SEVERAL ATTEMPTS AND THEY SIMPLY ARE NOT COOPERATING. WORST CUSTOMER SERVICES REPRESENTATIVES AND CUSTOMER SERVICE BY XXXX  AND XXXX.
Consumer complaint received 2020-04-21
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: WELLS FARGO & COMPANY (CA)

I AM A VICTIM OF AN IDENTITY THEFT, AND SOMEONE STOLE MY INFORMATION AND OPENED FRAUDULENT ACCOUNTS, THE CHARGES ARE FRAUDULENT AND NOT MINE. JUST BECAUSE THEY ARE BIG CORPORATIONS AND THEY CAN CONTROL PEOPLE BUT THEY SHOULD UNDERSTAND THAT I AM VICITM THESE CARDS AND THESE CHARGES ARE FRAUDULENT.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

During the 2021 timeframe when the SBA was issuing {$2000.00} loans, Wells Fargo froze my checking account and I was unable to receive my loan. 

They stated that my account was frozen because they did not have a copy of my social security card on file however, it was in fact used to open my account. 

So, I provided them with another copy of my social security card and the freeze was lifted. A week or so later, another freeze was placed on my account for the same reason. So once again I provided a copy of my ssn card. 

This ordeal caused Wells Fargo to return my {$2000.00} check back to SBA. 

I informed Wells Fargo about this on several occasions however they never rectified the problem.