davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
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. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2023-06-16
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. (IL)

I am sending this complaint in regard to the following, account XXXX XXXX. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (VA)

In XXXX, I returned a phone to XXXX XXXX XXXX. Tracking information showed it was delivered, customer service agents and employees at the receiving center confirmed the phone was returned, but XXXX XXXX XXXX claimed they never received it and sold the debt to a collection agency in XXXX. 

I promptly disputed this debt with XXXX, and quickly won the dispute, because I provided evidence showing XXXX XXXX XXXX had in fact received the phone ( tracking information, a copy of the return label, transcripts with XXXX XXXX XXXX reps admitting the phone was received ). The collection was immediately deleted. The collection agency was XXXX XXXX XXXX of XXXXXXXX XXXX 

Fast forward XXXX years to XXXX, the debt AGAIN is showing up on my credit report, this time with CREDENCE RESOURCE MANAGEMENT of XXXX, XXXX The debt amount is XXXX dollar less than last time ( {XXXX XXXX XXXX ), and is heavily weighing down my credit score. I will be pursuing legal action if it's not removed immediately.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (NJ)

I opened a BB & T checking account on XX/XX/2018 under a promotion as outlined below : Within 75 days of account opening you will receive the {$150.00} incentive if 1 of the following is completed : - Enroll in and receive two direct deposits of {$100.00} or more OR - Use U by BB & T bill pay to initiate three online payments of {$25.00} or more I did 3 billpays ( each for {$26.00} ) on XX/XX/2018 which fulfilled this requirement. 

In the following 4 months I repeatedly contacted BB & T bank through secured messages online and was repeatedly sent canned responses that delays the opening bonus. 

Their response stated that " Your account will be reviewed between 75 and 120 days '' and " The {$150.00} incentive will be paid within four weeks of qualifiers being met. ". 

It has been 129 days since I met the requirement and they are not responding to my messages anymore.
Consumer complaint received 2018-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo owes me a check in the amount of {$1700.00} ( XXXX XXXX XXXX dollars XXXX XXXX cents ). 

I closed my Wells Fargo account in late XX/XX/2018. Two refunds were issued and posted after the account was closed ; when a merchant issues a refund and when it posts is beyond my control. Per the unilateral action of a Wells Fargo telephone customer service representative, a claim was filed for said amount ( Claim # XXXX ) on XX/XX/18. 

I have called the claims department, spoken with miscellaneous supervisors, and the executive office on an almost daily basis since XX/XX/2018. During that time, I have been told conflicting information regarding if the check will be sent, if the check has been cut, a general time period in which I will receive it, and the amount of the check itself. Moreover, I have been shouted at, hung up on, and been given the runaround during that process. Notwithstanding Wells Fargos egregious conduct, all I want is a reimbursement check for the amount cited above. That money is mine, it does not belong to Wells Fargo. 

In short : I have done everything I can to resolve this issue with Wells Fargo to no avail. Im owed a check in the amount of {$1700.00}. Wells Fargo has yet to provide a remedy. Instead, they have given me the runaround and conflicting information. I seek the assistance of the CFPB to resolve this matter.
Consumer complaint received 2018-06-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: eMoneyUSA Holdings, LLC (MO)

I USED THE PAYDAY SERVICE TO BORROW XXXX DOLLARS MADE FIRST INSTALLMENT HAD AN ILLNESS NEEDED 30 DAYS TO GET BACK ON TRACK EMONEY WAS NOT ABLE TO PROVIDE RELEIF PUT A STOP PAYMENT ON ACH WITHDRAWL AND EMAILED THE COMPANY STATING WOULD BE CONTACTING AND SETTING REPAYMNET OPTION BEGINNING OF XX/XX/XXXX RECIEVED A CALL AT MY WORK NUMBER XXXX AND FATHERS NUMBER XXXX SPOKE WITH REP AND STATED ONLY CONTACT ME BY EMAIL, TEXT OR CALL XXXX CAN NOT RECIEVE PERSONAL CALLS AT WORK 7 DAYS AFTER THIS CONVERSATION STILL RECIEVING CALLS TO MY WORK NUMBER XXXX
Consumer complaint received 2018-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

I attended college from XX/XX/XXXX through XX/XX/XXXXand got a private student loan through American Education Services ( AES ) in XX/XX/XXXXfor the amount of {$20000.00} of which I immediately sent {$10000.00} back and only used {$10000.00} for college expenses. I determined after the agreement that I did not require the total amount and rather than cancel the agreement and start over I cashed and sent half back. I have already payed in {$36000.00} and they expect {$15000.00} more or a total of {$68000.00} if I continue making payment per my schedule. Therefore, for a {$10000.00} loan, that was actually used for college expenses, AES is expecting {$68000.00}. This by definition is a scam and no institution should be allowed to make this kind of profit from {$10000.00}. I demand a Class Action Lawsuit to address the AES, who are engaging in unfair business tactics to exploit and scam students and receive a 700 % increase in their investment of only {$10000.00}!
Consumer complaint received 2018-12-12
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: EQUIFAX, INC. (IL)

Around XXXX XXXX XXXX XXXX di a hard request of my credit from Equifax. Since XX/XX/XXXX, there should have been freeze or alert put on my account, that day I founded out I was victim of identity theft and called all credit bureaus to freeze and lock my credit. Same day I filled police report also. XXXX XXXX was never authorized by me to access my credit report because I am happy XXXX XXXX customer and still have a about year left on my contract. This was unauthorized access by XXXX XXXX. The file could only been access with phone verification. None was done. Both companies failed its customers.
Consumer complaint received 2018-06-26
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)

Reviewing my credit report. I noticed that Equifax was not up dating current information that was given to them by me or my creditors. 
Approximately in XXXX I contacted Equifax. I questioned their credit scoring methods ( knowing that credit score can not be disputed ). My score was XXXX at that time. After contacting Equifax, the next two months my credit score when down 28 points, without any reason.

I informed Equifax that I have never been late or miss any payments on my mortgage, credit card, etc. Furthermore I have paid off a big debt and lower some outstanding credits, record can show.The way it works is that when a consumer pays down any of its creditors, that consumer credit score will go up. In my case questioning Equifax and paying my creditors my score when lower ... inaccuracies.

Contacted Equifax numerous times with documents from my creditor using ( AUD ) documents. Equifax sent me letters with update, but without addressing my concern of the inaccuracies of my credit score.Investigating with other agencies, the out come shows that my score should be at XXXX. My score shows that Equifax has made some inaccuracies against my score. My score stands at XXXX well below the correct number.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

I lost my employment in XXXX ( at that time I was XXXX  years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XXXX ), I started a debt management service in an effort to pay all remaining debts. Synchrony Bank was the holder of 2 of my accounts ( Lowes and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, Lowes is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX  for the Lowes account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact XXXX  XXXX XXXX XXXX XXXX, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or XXXX XXXX XXXX XXXX were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that XXXX XXXX XXXX XXXX continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX XXXX - Delete this account because you are inaccurately reporting ( STATUS, BALANCE. Experian : Balance {$10000.00}, Balance updated XX/XX/XXXX, Status Account charged off. {$31000.00} written off. 
Status updated XX/XX/XXXX, Last payment date XX/XX/XXXX, Balance details Paid off.XXXXXXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE MONTHS Original balance XXXX Original balance {$21000.00} In XXXX : Balance updated, XX/XX/XXXX, Original balance $ XXXX Charged off as bad debt.Status updated XX/XX/XXXX You have 30 days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2017-12-28
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: CL Holdings LLC (NY)

I am contacting you to resolve and on going issue as it seems to not be given the according attention to finally resolve it. I have written in numerous times and will have to take this up with the better business bureau and FTC as it’s not being corrected . XXXX has failed to remove an account who the original creditor XXXX agreed to have it deleted but XXXX has NOT YET taken immediate action. I need this account removed from all three major credit reporting agencies as the investigation XXXX  conducted stated they would.
Consumer complaint received 2023-06-16
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: JPMORGAN CHASE & CO. (IL)

I am sending this complaint in regard to the following, account JCPMB Card. This account was obtained fraudulently on or about the date of, XX/XX/2021 with a credit limit of {$5000.00}. I've spoken directly with representatives of the company and explained that this account was opened fraudulently as well as sent in supporting documents such as proof of identity, FTC reports and proof of address. However, this account is still being reported as a charged off account with a balance of {$3000.00}. It is also reporting inconsistent and inaccurate information on all credit reporting agencies ; and according to the FCRA and FDCP these are violations of the 623 ( b ) and Section 807, as well as your company 's Regulation V. The company insists that the account belonged to me in spite of having evidentiary proof that it does not. This account is having an extremely negative impact on my livelihood.
Consumer complaint received 2017-12-28
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. (NY)

I wrote all three credit reporting agencies about incorrect information on my credit report and Equifax and XXXX refuse to fix the problem despite having clear documented evidence of the reported error. XXXX, a student loan provider and servicer, has reported to these agencies that during XX/XX/XXXX and XX/XX/XXXX my payments were made late. I have concrete evidence in the form of correspondence from XXXX confirming that between XX/XX/XXXX and XX/XX/XXXX my federal student loans with XXXX were in deferment status and payments were not required. As such, these two erroneously reported late payments in XX/XX/XXXX and XX/XX/XXXX should be removed and deleted from my reports.

XXXX  XX/XX/XXXX - Late Payment XXXX XX/XX/XXXX - Late Payment
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There are several addresses on my credit report that have been refused to be removed. There are collections I have know idea about on my credit report. There are several hard inquiries on my report as well that I didnt authorize.
Consumer complaint received 2018-11-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I contacted Wells Fargo to inquire about the process of changing my homeowner 's insurance and how that would affect my escrow account. I spoke with XXXX XXXX and also a woman named XXXX and was provided the contact information and steps I needed to take. I was advised by XXXX that since my new insurance policy was starting a month or two prior to my existing policy, my escrow account may be short slightly and any refund I receive from my existing insurance carrier, I should pay that into my escrow account. He also advised based on the timing, they may run my escrow analysis and it will show a large shortage as the system will pay my new policy but they will also be calculating to pay my existing policy and all I would need to do if this happens is to call to explain the issue. I received an escrow analysis from Wells Fargo showing a shortage of {$610.00}. I called on XX/XX/XXXX and spoke with a woman who acknowledged what had happened and stated it would be a quick fix and placed me on hold and called the escrow department and came back and said she made an error and the shortage is correct but could not explain how. I requested a supervisor and spoke with XXXX who was also unable to satisfy my concern. I was given incorrect information by her as she stated my school tax was $ XXXX/ , county is {$650.00} and city is {$840.00} and advised those are paid bi-annually. That is incorrect as those figures are my totals for the entire year and not only for 6 months. Therefore the difference in my taxes from XXXX to XXXX were doubled as she stated they were paid bi-annually and was calculating the shortage twice. For example my school tax was {$1100.00} and increased to {$1100.00} which makes the shortage {$57.00} but she stated the shortage was {$110.00} as she doubled it in error. After over an hour she was unable to tell me how the shortage was being determined. Wells Fargo claims the shortage is {$610.00} but is increasing my payment by {$59.00} a month ( $ XXXXXXXXX= {$710.00} ) she was also unable to explain how I am repaying {$710.00} but the shortage is supposedly only {$610.00}. In XXXX I did not have any shortage, in XXXX I had a shortage of {$48.00} and in XXXX I had a shortage of {$51.00} which I understand taxes and insurance varies so a slight increase is understandable. A {$610.00} shortage is not reasonable or understandable and I believe my escrow analysis is incorrect. I have attempted to resolve this matter with Wells Fargo and have received no satisfaction or explanation. Please help me in resolving this issue as I truly believe my escrow account is not randomly short {$600.00} and their analysis is incorrect and what has triggered this is my change in insurance carriers. You will see I have never missed a payment and my payments are made on time so it is unimaginable that I have such a steep shortage in my escrow.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (SC)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX has ALWAYS auto-drafted the correct mortgage payment amount, ON TIME, each and every month. I have bank statements to prove this ( {$950.00} amt ). 

XX/XX/XXXX, XXXX rec 'd a XXXX XXXX system msg the payment was made, on time ( {$950.00} ). Unbeknownst to me, they attempted to pull {$970.00} on XX/XX/XXXX AND XX/XX/XXXX, as well!!! 

In XX/XX/XXXX I was told XX/XX/XXXX was NOT paid, so I was automatically removed from their auto-draft system ( not informed of this on the msg system I knew about ). Was told XXXX & XXXX were not withdrawn, either, so I needed to make 3 pmts to be current, which I made ( totaling $ XXXX ). When asked why this occurred, response was : " We switched our pmt processing firms so that was problem. '' " Will this be reported to the credit agencies? '' I asked. " No. Not at all. '' " Will I be charged any late fees? '' " No. '' " Okay. '' XX/XX/XXXX while trying to apply for loan I learn these WERE reported to credit agencies! I notified XXXX XXXX immediately. After 2 weeks, I rec 'd a letter denying it was their fault! I again BEGGED for this to be corrected as it is costing me THOUSANDS of dollars in a higher mortgage rate, fees, etc.
Consumer complaint received 2018-12-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (NY)

ALLY FINANCIAL INC. has engaged in a despicable tactic where I paid 100 % of my lease and then returned the car, they asked for additional money upon return alleging damaging in excess of wear and tear, I had filed a complaint for their dishonest debt collection conduct and we had reached a settlement on a revised amount of money that was being asked. I paid again 100 % of the amount they asked and upon receiving the amount of money they claimed I owed they falsely reported as a collection/reposesion account. I believe Ally Financial should be investigated, sanctioned and fined for their misconduct my credit report has dropped 45 points as a result and stopped me from applying for a mortgage. I reserve the right to bring any viable claims against ally for their willful, spiteful and predatory collection practice. I even received a letter claiming that I was paid in full from Ally.