davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I was scammed by international scammers, when I realized I was been scam I called the bank Wells Fargo, I requested to stop the transactions that were still pending. The total amount of these transactions it was close to {$10000.00}, I was told that I have to wait for the transactions to go through before they can do anything about it. I asked if the transactions can be canceled I was told multiple times that even if they are reflecting pending that there was nothing they can do to stop them from processing. There were more transactions that already went through of the amount of {$40000.00} and they said that they will investigate and let me know if they are able to give me the money back. Because all the transactions were processed the bank did not give me any money back or a reason they just closed the investigation.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have disputed the late payments XXXX, XXXX, XXXX & XXXX on this XXXX XXXX XXXX for months. XXXX and XXXXn have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2023-05-02
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: Upstart Holdings, Inc. (NJ)

To whom it may concern, I am requesting Upstart to remove its information from my credit report. I sent a letter on XX/XX/2023 to ask for verification of this account. However, a letter was sent on XX/XX/2023 referring that its company is unaware of a account in my name. Therefore, they were not able to verify the information. I'm sending another letter on XX/XX/2023 yet again asking for verification. 

Upstart is in violation of the following, XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) XXXX. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

Today is XXXX, I will begin this is not the first time this has been done to me by a XXXX XXXX Credit Card for a Store. Today it was XXXX XXXX. What they do is on the website after you receive the card they advertise to set up auto payments so you are never charged and late fee and do not miss any payments. What THEY don't tell you is that the auto payments take up to 30 days to be active and work properly. So the consumer feels they have set up the payment and things are fine. Well then the auto payment doesn't work and they charge you a late fee. I have inquired both times this has happened to me the other card I believe was for XXXX XXXX. I am wondering just how many people blindly pay the fees and the kind of revenue that generates for misaddressing for XXXX XXXX. Many stores use this credit card and I am in the process of paying off my cards with Synchrony and will never get another card for a store if I find they use Synchrony it is always just a hassle with this company.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WI)

None of your categories really fit my complaint. I have an Equifax account that is frozen. This past week I received an email " congratulating '' me on my " new '' Equifax account. I do not have a new account! I already have one. 
I have called and they say they have to investigate and will get back to me. Nothing. Wrote 2 emails, as suggested on their site. Never heard anything other than a standard 'response '' email saying they received my email. 
I MUST know if there is somehow a second Equifax account in my name that I did not open. Thank you.
Consumer complaint received 2023-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-02
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. (AZ)

Im accordance with the fair credit reporting act 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2018-10-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (NY)

Company is attempting to collect on a fraudulent private loan that I was forced to take out by the XXXX XXXX XXXX XXXX XXXX. I have submitted a complaint regarding this in the past. Please see case XXXX. I have attained legal representation regarding this act of theft. My legal counsel instructed me to obtain a copy of my original promissory note. This has yet to be delivered. Navient actually sent me another students promissory note in one request ( Breaching that students right to confidentiality ) and completely ignored my second request. With that being said, I am demanding I be released of all liability regarding this dept or I will urge my lawyer to take this case alongside many other to court in a class action toward the XXXX XXXX and navient.
Consumer complaint received 2023-05-02
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/1998 Balance : {$4100.00}. Please delete.
Consumer complaint received 2023-05-03
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. (TN)

They removed some of the accounts due to ID theft but not all. They also didn't comply to the 4 business day rule that the statute requires.
Consumer complaint received 2018-10-11
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. (CA)

I had a charge-off account with BaXXXXk XXXX XXXX ( it was originally charged-off on XX/XX/2016 after a 30 day late payment ). Not sure why they charged-off that quickly but that's here nor there at this point. I have had nothing but issues with this account since I started trying to get it resolved. Incorrect reporting galore - they're reporting a 60 day late with XXXX, which is incorrect based on information they sent to me, they're seemingly reporting 90 day late with Equifax. I paid the account off in full, for the past due amount of {$460.00} ( though I just recently talked to someone that made it seem like the original charge-off amount was less than that ).

XXXX is reporting it as " Legally paid in full for less than the full balance '' even though it had been reporting " Paid, charge-off '' which is how all 3 bureaus should be reporting. They're also showing no reporting since the 30 day late until last month, where is says " CO ( Charge Off ) '' and showing 'Time Since Negative ' is 1 month ( yet, for the longest time it was showing 2 years ).  They're also not showing my XXXX XXXX account that I closed. 

Equifax is even worse, they had been reporting " Bad debt, sent to collection '' and now they're reporting " Account paid for less than full balance '' and is not reporting it as " Paid, charge-off '' like they should. 

TransUnion seems to be correct in the balance but I am not sure how they are reporting the account else-wise. They are also not reporting my XXXX XXXX and XXXX XXXX accounts that were recently closed. 

Needless to say, this has become very frustrating. I need help getting this resolved. I have attached files that show the incorrect reporting.
Consumer complaint received 2023-05-02
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 — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (KY)

I sent a letter on XX/XX/2023, to Midland Credit Management. My tracking number is XXXX. However its been more than 30 days and they have failed to send my investigation back. This is not making sense. 
According to the law my consumer report must be 100 % accurate and it is not. 
Account # XXXX is in violation and not reporting correctly. 



I want to know if they investigated this account. 

If they investigated this account, who did they speak to? 

I want to see the proof of investigation and proof that this is my account. 

How did they complete the investigation?
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The account below is being reported wrong. Account showing closed with a balance. I have received a XXXX for this account so balance should be XXXX. Not sure why bank continues to report it with Balance. 

The account is not in collection of should be listed as charge off. 


Auto Account : XXXX XXXX XXXX {$31000.00} Closed
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (VA)

My son 's father passed away, I am XXXX years old and struggling. 25 % of my pay is already being garnished from my check ( 15 % ) goes to the Department of Education and ( 10 % ) goes to PHEAA as well as ANY tax refund is immediately sucked out and immediately send to the Department of Education. I have paid SOOO much money in interest, collection fees, etc. that I do not see any end in sight and I will NEVER get these paid off so I can start on this one. I had absolutely no idea that when I was helping my son go to college that I would be paying back 3 different companies. I feel like I was totally misled because I sent a request for aid to 1 place and 1 place only. The money came from place only. I have tried to get out of default by making double payments for several months, but I was lied to. They told me when I could only make an additional $ XXXX that after 7 months, they would look at my situation and I would have a new lowered payment ... yeah, it's now {$1200.00}! I don't even have anywhere close to that leftover after garnishments! I filled out an application with all of my expenses and income which came out to about XXXX! I have just gotten out of the hospital for an XXXX  and feel like I am being harassing every way I turn. If I had to do over again, I would have NEVER, EVER SENT MY SON TO COLLEGE BECAUSE IT IS KILLING ME!!! I have no more money. I barely have money for food!
Consumer complaint received 2023-05-02
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)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 


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
Consumer complaint received 2023-05-02
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. (PA)

XXXX XXXX XXXX is reporting a inaccurate payment history and its violation of my consumer rights and the fair credit reporting act 15 usc 1681s-2 account says charge off and at sametime saying current please delete this account from my consumer reports
Consumer complaint received 2023-05-02
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. (CA)

I was never late on these account. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX Balance : {$3000.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$2000.00}, XXXX - XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$820.00}, XXXX, XXXX. XXXX Date Open : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Open : XX/XX/XXXX Balance : {$5000.00}, and XXXX XXXX XXXX  Date Open : XX/XX/XXXX Balance : {$5000.00}. Please update.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Im out of the country and for some reason PHH website does not allow me to login from another country. I cant call them on the phone because I dont have a phone that I can call to the United States XXXX 
I have sent a dozen emails in the last three days trying to get my billpay set up on my new checking account with XXXX XXXX. I dont have the actual account number as everything has been done automatically for years. I have already closed. My XXXX account. PHH is making this impossible for me to send them payment. I can not pay them with a check because I dont know my account number and even if I did have a check, I wouldnt send it from another country. This is insane.!!!!
Consumer complaint received 2023-05-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In accordance with the FAIR CREDIT REPORTING ACT. The List of account ( s ) below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. PORTFOLIO RECOVERY - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 2018-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: WELLS FARGO & COMPANY (FL)

XX/XX/18 : received voice mail from ( XXXX ) stating he was a process server. That after numerous attempts to serve me a summons and complaint said would make one more attempt to serve me but if unable to, would return summons as a final service and I would be charged with a failure to appear to my court date. No attempt to serve me had ever taken place. 
I returned call from XXXX who advised me that the summons was in regard to a previous account I had with Wells Fargo on which I had defaulted. The account was out of statute for collection purposes. 
He advised me to get a cashier check made payable to XXXX in the amount of {$11000.00}, provided the address and case number to reference on the check. Send express mail to XXXX and call him back immediately with the overnight tracking number. I stated I would not pay that amount, at which time the ( process server ) stated I could be subject to wage garnishment or seizure of my bank accounts. I stated I did not owe that amount and would not pay it. He asked what amount I could pay. After offering a {$5000.00} payment he was able to get this authorized which led me to believe he was not a process server at all but a collector using unfair and deceptive tactics, including threats. I did send the check and contacted them with the tracking number. I am contemplating a stop payment at this time but am also wondering if this collection tactic was in violation of the FCCA.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (OH)

I had both checking and savings accts. at Washington Mutual. These accts. were " free for life '' with no minimum or other requirements. When XXXX XXXX failed, Chase took over pledging to honor the terms of the accounts. After several years my savings acct. balance dipped below {$300.00} recently. Chase began charging me {$5.00} per month service fee. This is in direct violation of the pledge they made when taking over the accounts. Chase can not unilaterally change the terms of a guaranteed for life account because they feel like it. Ihave tried to resolve this issue via Chase 's XXXX customer service # and at the local branch multiple times without any success.
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MD)

I am participating in the 10-year public service loan forgiveness program. My servicer is XXXX XXXX. I believe XXXX XXXX incorrectly calculated my qualifying months of service, and shorted me by 6 months. I submitted a request for review on XX/XX/2018. I was verbally told by a customer service representative that the timeline for response was 60-90 days. I called in late XX/XX/2018, and was told my request for review had not been processed, and that I could call back in two months and a response would likely be available then. I called yesterday, and spoke with a rep named XXXX. He told me that not only was a response not available, he could not provide me with a timeline for receipt of a response. I asked if there were any ombudsman or advocates anywhere at any organization to help people in my situation. XXXX told me he was unaware of anyone to help me. I do not think it is reasonable that the time to respond to a dispute is unlimited/unknowable. This also means that I may end up making more payments than the necessary qualifying number of 120 for loan forgiveness, and also delay eventual  forgiveness of the loan. XXXX may have a valid reason for not crediting me for the 6 months that I believe qualify, but it is not reasonable to fail to respond to my request for an explanation for 8 months, and to not be able to provide me for a timeline for receipt of a response. Please note that I have moved and the address on the attached letter is no longer valid.
Consumer complaint received 2023-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: LendingUSA (FL)

I already filed a totally different complaint against this company please dont close this as it is a different issue with them. 

This account was rightfully removed from my credit report as I was scammed by a former friend and it was reported to the police ( report attached ). However this shady company is calling me every single day leaving messages from different random Florida numbers! The responsible party for what theyre after is listed in the police report!