davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-11
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: Experian Information Solutions Inc. (TX)

I've contacted Experian and the other credit bureaus several times regarding an incorrect report on my credit report. I have XXXX XXXX my federal loans. My credit reports are showing that I was late with payments to XXXX from XX/XX/XXXX-XXXX ( or XXXX ) XXXX on one of my federal student loans. I spoke with a XXXX representative in XX/XX/XXXX who looked at my account and verified that I was never late during this period and never received any sort of notification that would indicate such. In fact, there was no delinquency showing on any of my credit reports until XX/XX/XXXX, which was suddenly reporting that I was several months past due. Apparently there was a balance generated in XXXXXXXX XXXX system associated with my forbearance 5+years ago, that should have been covered by my payment and wasn't, and was never communicated to me, despite my account being in autopayment and making timely monthly payments. The XXXX representative indicated she was escalating this matter to the credit reporting division, and that it would be corrected in about two weeks. Again, in XXXX XXXX and the credit bureaus was supposed to be correcting this incorrect information. Despite this, I keep getting notified from Experian that the investigation is complete, and yet the information is still the same ( see attached screenshot ) .This reporting is negatively affecting my applications for credit. I sent my XXXX statements to Experian et al showing that I have never been notified of any delinquency on this account, and told them how unfair that I as the consumer have to prove my innocence, versus the debtor having to prove this a valid debt ( apparently the debtor just has to acknowledge its reporting is correct and that is sufficient ). I have asked Experian et al and XXXX several times to re-investigate this matter. They each claim they have looked into it, and yet I am still seeing this error on my report. Attached to this complaint are my statements from XXXX showing my account information. The payment summary in the top right corner shows when XXXX received its last payment, when the next payment is due, and for how much. As you will see, there is never a late amount mentioned or due. Though I strongly resent having to prove I'm not responsible for this reporting, I will gladly turn over anything in my possession to help clear this matter.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX came into agreement for good faith payment otherwise known as a pay for delection because of the age of the account they agree to it remove from my Equifax Credit report. Which has not been agree to it is scheduled to drop of XX/XX/year>, XXXX XXXX XXXX XXXX and I agree for pay for delection.
Consumer complaint received 2022-05-02
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

Re : Home Depot Account ( Citi Bank ) I have an XX/XX/2019 statement with a balance of {$94.00}, minimum payment due is {$25.00} by XX/XX/2019. 

I made my payment ( in full, {$94.00} ) on XX/XX/2019 and the payment was processed on XX/XX/2019 by my XXXX XXXX checking account. I have bank proof that the payment was processed, yet Home Depot ( Citi Bank ) still shows that I have not made my payment. 

Please contact them as I am not going to receive a late payment from this absolute corrupt credit card organization. 

Please ensure that this payment is posted on the correct date and my account does not show as late. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>, we were the victims of a scam that took money from our Wells Fargo checking account in the amount of {$7900.00} and a {$2500.00} cash advance on our Wells Fargo Active Cash credit card. We immediately reported it to Wells Fargo via phone. After that, we received correspondence via mail and email saying that each event has been closed. 

Since then, we have filed a police report and had 2 meetings with the local Wells Fargo branch. When we met with the Sherriff 's Department Investigator, he took our report, signed it and commented that these scams are frequent and that, of all the banks he has had to deal with, Wells Fargo was the worst about actually helping their customers. 

All subsequent correspondence from Wells Fargo confirmed his statement. The company is saying that 1 ) they will not restore our checking account and 2 ) that we also owe Wells Fargo and ADDITIONAL {$2500.00} for the fraudulent advance on our credit card. 

So, in short WE have to restore Wells Fargo " their '' lost {$2500.00}, but they will do nothing to restore us.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WV)

Purchased {$25.00} vanilla gift card and tried to check balance and site said invalid card. I called customer service and they said my card was locked due to potential fraud and they would have to send me another card in the mail taking 7-10 days! How can they lock my card right after the purchase of it? I think they are doing this to hold your money longer ( draw interest of your purchase ) without you being able to spend your balance. Im sure they are doing this to slot of people! Please do something! Thanks
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I called EQUIFAX to let them know that my score havent been updated since XX/XX/2022 they are doing damage to me personally I need my credit update this is the last request I have called a law on this problem I also talked to a gentleman on XX/XX/2022 and he told me would be updated in 3 to 4 hours never happen
Consumer complaint received 2023-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I have been on income based repayment ( IBR ) since I consolidated my federal loans in XXXX. During the Covid-19 pandemic forbearance period, annual income recertification was paused. Per the Department of Education and Federal Student Aid office, income recertification was not required during the forbearance period and will not be required until XX/XX/XXXX at the earliest https : //studentaid.gov/announcements-events/covid-19/income-driven-repayment MOHELA notified me that because I did not recertify my income XX/XX/XXXX ( during the covid forbearance ), I would be removed from income based repayment and would be put on the standard repayment plan. 

MOHELA did offer to recertify my income XX/XX/XXXX and enroll me on SAVE and actually was pushing me to do this. However that is not a fair outcome. The fair outcome would be to keep me on my previous income based repayment plan and have me recertify XX/XX/XXXX as is the case for every other federal borrower.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian, XXXX, and XXXX continue to report inaccurate information on the account Dpt EdXXXX XXXX. 

Account # : XXXX XXXX XXXX Bureau Code : Individual Terminated Individual Date Opened : XX/XX/2023 XX/XX/2023 XX/XX/2023 Balance : {$44000.00} {$0.00} {$44000.00} Last Reported : XX/XX/2023 XX/XX/2023 XX/XX/2023 Date Last Active : XX/XX/2023 XX/XX/2023 - Date of Last Payment : XX/XX/2023 XX/XX/2023 - This means this account has not been properly verified per the requirements of FCRA. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (IL)

The collection company, Southern Management System, is saying that I owe them an amount of {$3600.00}. I have no knowledge of this account. I asked them to validate this amount and I have not been provided with evidence nor a detailed explanation stating the reason behind this amount. Ive disputed this amount directly to the collection company two times in 2018, once XX/XX/XXXX and the second time on XX/XX/XXXX. According to the Fair Debt Collection Practices Act, Section 808 : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. Any collection fees or interest that have been added by Southern Management System is unlawful and they should not be reporting this amount to my credit this way.
Consumer complaint received 2022-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

On XX/XX/2009 US Bank Trust fraudulently used my estate and credits to fund their irrevocable trust with my home and my credits, the only paid {$1.00} and now I have filed a involuntary bankruptcy as the creditor who provided the credits and US BANK TRUST placed my property and credits it their own Business without disclosing and intentionally failed to disclose. My property has been paid with my promissory note from my estate and I am the lender who was criminalized by US BANK and US Bank Trust Securities Trustee is XXXX XXXXXXXX XXXX, now Ive requested that no taxes or interest be applied because I am the mortgage that was used to mortgage my home and no credits was given to me by this business and I would like them to remove their claim of liens because I havent signed anything placing me in a contract! Fraud has been committed and now I was forced into a forbearance that I never gave permission for them to lien in payment and I requested that all mortgage payments be cancelled on my 1099 a cancelling is bank debt of a {$1.00}
Consumer complaint received 2020-04-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (TN)

On XX/XX/XXXX, in an effort to help my son with some debt, I made the very poor choice of borrowing XXXX from Mitig Capital. Having lost my husband to XXXX  I was swimming in my own debt and thought this would be a viable solution. Make my payments. Be clear in a few months. But ( and this never would have happened if my husband were still living ) I did not read the contract and the loan terms as I should have. Shame on me. The issue comes when an ACH payment failed, an error that truly occurred on my banks end. I go on line. I try to make my payment. I am locked out. Try again. Still locked out. I send an email. Get a call from XXXX. Schedule an ACH payment for the following Friday to rectify the situation. The following Friday that payment does not clear, nor does the payment as scheduled. I am still locked out of my account. Interest accruing, I ask XXXX why this has happened. XXXX tells me due to processing problems they couldnt withdraw my payment. I offer to send a check. XXXX tells me this will make my payment late, given the mail slow down. I schedule a payment for XXXX to be drafted Monday, XX/XX/XXXX. Though the money has been drafted, I still do not have access to my account, either on line or on paper. What I currently owe remains a mystery, leaving me hog tied. In several weeks I will pay the remainder. I think it is important that your office is aware of this business, their practices and their attitude toward consumer lending. I am fortunate that I can be free of them soon. I suspect many of their customers are not so lucky.
Consumer complaint received 2023-09-06
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-21
Product: Credit 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: CITIBANK, N.A. (CA)

From XXXX XXXX XXXX my two Citi bank cc have an excessive amount of fraud charges on them. I am victim of Identity theft and my online information was compromised. My address, phone number, security code and login information was changed. Resulting in my replacement card/cards being mailed to XXXX RI. Where all the fraud happened on my credit cards. I live in California and had never been to RI. 
Citi denied my claim stating the card was a chip enabled read. This is due to Citi mailing my card to the wrong address in RI. I filed a police report and filled out an Identity Theft packet and got it notarized as Citi requested. I am committed to pursuing this dispute until it is resolved and I realize that it's a criminal offense to falsify a police/Identity theft report. 
The address XXXX XXXX XXXX XXXX, RI XXXX appeared on my credit report do to Identify theft. I have never lived at this address. I have only lived in California. 
I am waiting on the police report but I did file. If you need anymore information from me please let me know XXXX
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I had my credit frozen with the three credit reporting agencies a couple of years back. Now I have to refinance my auto loan so I call the credit freeze departments of transunion and XXXX, supplied the necessary security info and temporarily unfroze my credit. When I call Experian and started giving them the same info I have given the other two credit agencies Experian started gving me problems on ( XX/XX/19 ) Than the cust rep told me togo on lline and input my personal info, I did, and Experian refuses to give me my pin so that I can temporarily unlock my credit report. Their web page is nopw telling me that I have to send them a copy of my social security card and other pertinent info. All of this unecesary process its going to take about a month. Process that if Experian would have develop anefficient system like XXXX and XXXX this would not be happening.I need to refinance my loan ASAP and Experian is negligently and incompetently not letting me do. After Experian problem on the internet I tried to call customer service and they are not picking up the phone.
Consumer complaint received 2019-05-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC (MD)

On the XX/XX/2019, I drafted and mailed a certified letter to Reliant capital Solutions , LLC, who had contacted me by mail to collect a debt. 

I disputed the debt and asked that : 1 ) they cease all communication with me other than to validate my debt by mail, and 2 ) that if they report this debt to credit bureaus, that it is marked as disputed. 

Thus far, they have not ceased their attempts to collect, and I have received three phone calls ( on XX/XX/2019, XX/XX/2019, XX/XX/2019 ) and an email on XX/XX/2019, all with the stated purpose of attempting to collect a debt. 

Futher, I have received absolutely no documentation which acknowledges receipt of my request or validation of the debt they are allege I owe.
Consumer complaint received 2019-05-22
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. (GA)

I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX XXXX, XXXX XXXX  XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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 block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hard inquiries dated XX/XX/XXXX ( several ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that I did not authorize. Contacted Transunion on XX/XX/XXXX and their customer service would not help and take care of the negative inquiries reporting to your credit report.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (MA)

They said that it was for my protection when I called and claim. I am in the process of moving from XXXX and I am seeking for an apartment. I lost my bank card in XXXX and I requested a new card and after I received it, I lost it again. Therefore, I request another one and when I went to use it then it was blocked. I asked if I can get it activated so they requested the id picture that I already faxed to them and so did a case manager and yet they gave me a hard time getting my XXXX card from XXXX XXXX. They keep telling me that they have not received what case manager claims to fax and what I have email confirmation of sending. I need to use my telephone and have no service due to the matter and other inconvenience.
Consumer complaint received 2019-05-22
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. (UT)

Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.