davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a personal loan account opened at XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) a personal loan opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number ( XXXX ) a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a balance of ( {$46000.00} ) a personal credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under account number XXXX that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2016-10-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: ACS Education Services (CA)

For almost a year, I have been filling our paperwork sending in information on getting an IBR payment plan. For the last 6 months, I either did not receive any notice of denial or when my denial came it was little things that they did not find in the previous applications. For instance, they denied my one application because my husband did not sign it ... but he actually did. However, they did not contact me until after the 30 day time frame so I had to resubmit. Then they denied it again because I checked an extra box, but they did not tell me that was the issue the first 3 times I submitted. After resubmitting the last time a month ago, I have not heard anything from them except to demand the loan in full. I have sent all my paperwork in over and over again and still they refuse to work with me and each person tells me something different. Even with a third party on the line trying to help ( XXXX XXXX XXXX ). At one point I asked them to verify the date they mailed off the letter I am defaulting on loans that I want to pay, just at a lower rate. Unfortunately, they made the process so tedious and difficult that it has made dealing with loan harder than it should be. Even after the letter demanding the full amount of the loan I get an email saying my forbearance is excepted. I honestly do not know what to do any more.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX of Mn about this.
Consumer complaint received 2016-04-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY ()

Please see Case Number XXXX. 
In this previous complaint Wells Fargo have stated in writing ( both to the CFPB and to me ) that it is possible to transfer funds from my Wells Fargo account to a bank account in XXXX using the Wells Fargo online banking system. In fact this is is simply not true. The Wells Fargo online system allows transfers to various countries in XXXX and XXXX XXXX, but it absolutely does not allow transfers to XXXX. I believe that the Wells Fargo response to my complaint # XXXX is simply false.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

CFPB, Im not happy can someone please look into this matter about Experian Credit Reporting Agency, I fill that this company is not doing fair credit reporting on consumer accounts I have a credit card that I've had over 1 year I know how the cards work I have a {$200.00} limit that I keep under 30 % every month it's called Debt to ratio. I Iooked at my credit card that I paid it down to a {$0.00} balance when I did Experian dropped my credit score down XXXX points. Come on now something isn't right and. I'm fed up if this account isn't fixed my next step is that I'm contacting my attorney. Enough is enough.
Consumer complaint received 2016-12-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (UT)

I opened a Citibank account package on XXXX/XXXX/16 and deposited {$15000.00} with a promotion to receive {$400.00} if the {$15000.00} remained in the account for 30 days. I met and exceeded the requirements of the promotion and after 120days have still not received the bonus. I 've contacted Citibank and provided the promo code ( XXXX ) I signed up with but I am getting no response in resolving this matter.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MD)

I refinanced my mortgage with Wells Fargo and closed in early XXXX 2016. Soon afterwards I applied for a HELOC with Wells Fargo and was advised that I could not close until the county had recorded the paperwork from the refi. Throughout XXXX and XXXX 2016 I repeatedly inquired about the county recording and was told it should be " any day ''. Today I found out the title company did not submit the paperwork to the XXXX until XXXX/XXXX/16, 74 days after the closing. In the meantime the rate lock expired, rates have gone up, and my paperwork is still unprocessed. Wells Fargo neglected to ensure the refi documents were filed in a timely manner, and I am worse off due to the HELOC rate increase.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (NJ)

I had a XXXX percent promotion on purchase with Chase Band Freedom credit card. I had confirmed with Chase bank that the promotion expires on XXXX XXXX, 2016. I paid the balance in full on XXXX XXXX, 2016. 

Chase bank charged me {$46.00} interest and it claimed the expiration date is XXXX XXXX, 2016 instead of XXXX XXXX, 2016 as it confirmed. 

I contacted Chase and asked it to refund the charged interest, it has flatly refused.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I bought a TV from Best Buy in XXXX of 2013. I spent about {$2000.00} on it and charged it to my Best Buy Credit Card under a 3 year no-interest promo. I set up automatic payments for {$60.00}. XXXX so I figured that it would be payed off in plenty of time. Originally the credit card was a best buy credit card with XXXX but a few months after i set this up, they switched over to XXXX XXXX. I had to set up my auto pay all over again when this happened because i missed a few months of payments thinking that they were auto charging. I caught up with my payments again until they switched once again to another company- Citibank XXXX I had to catch up on my payments again and set up auto pay again. My payments continued to come out every month until XXXX of XXXX when there was another issue with my automatic payments. I set those up again and by XXXX My balance was only about {$110.00}. I was going to just call and pay it off but I did n't because I figured that the automatic payments would take care of it. I even called them and confirmed that they were set up so that I could make sure that it would be payed off. They reassured me that I was on track so I just allowed the automatic payments to come off. I checked a few months after this because I noticed that they were still taking the automatic payments off from XXXX. I checked my account only to find that there was a {$1200.00} interest charge applied to my account. What happened was that I bought something on my Best Buy card between when I last talked to them and XXXX. They applied my automatic payment to the new purchase that I made, defaulting my original balance to go over the 36 month interest free period. This is the most fraudulent, dishonest thing I have ever experienced from a credit card company or any company for that matter. I have talked to them multiple times and they will not budge. I am going to file a small claims suit against them this week and I would like to also file a complaint with this bureau. Thank you for your time! 

XXXX XXXX
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (IA)

XXXX did not properly record the fact i returned their equipment and is trying to collect a {$100.00} penalty. I 've spoken to customer service reps who have documented numerous attemps by me to request promised shipping documents. When the shipping instructions finally arrived, I properly boxed up the equipment and set back as instucted. Now XXXX is tying to collect a penalty for late return when in fact it was their failure that led to the late return. customer service reps have told me that all charges were reversed due to their error, but yet I am still receiving collection notices from third party agencies and AFNI
Consumer complaint received 2016-08-11
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: ACQ Holdings, LLC. (MO)

I asked XXXX in XXXX XXXX KS. for a payday loan of {$100.00} they sent me {$400.00} then took out {$300.00} and charged me {$10.00} for taking it out. Then my bank got overcharges i had not the money to pay so i said i would take the other {$300.00} and they put in {$400.00}, and then {$530.00} and now i am told i owe {$900.00}. I sent an email stating i can not pay that. And now they want to offer me another loan to get out of this loan. I am so confused and i do not know what to do. It is to my savings account which i want to close but can not because i am being overdraft {$26.00} that i do n't even have because they keep sending it through. What are my options please help me?
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VT)

I submitted previously and made a mistake. The school I meant to make reference to was not XXXX, but XXXX Revised below, and my apologies : I am writing because I was just notified of my award in the class action lawsuit against XXXX and I want to express my sincere thanks to your organization. I also want to engage with you regarding the second and third signature loans through XXXX, they were to Navient and XXXX and I am being charged XXXX % interest at Navient and XXXX % at XXXX, whereas XXXX was at XXXX %. 

XXXX ( XXXX ) did all the, " leg work '' to keep us in classes and they struck terms with outside lenders, providing us with information that led me to participate in the additional student loans outside of the XXXX DL Consolidated - Subsidized and XXXX DL Consolidated - Unsubsidized loan programs ( which are also through Navient ). I have asked for a lower interest rate for years through Navient for the signature loan. In addition to XXXX, I have been drowning in tuition payments while XXXX of my larger loans remain in forbearance -yet accruing interest- so that I can take care of these private loans at XXXX and almost XXXX times the interest rates. I feel that XXXX also deceived its students into taking out loans that cost more than we were led to believe. I know your office states that you will continue to be vigilant in rooting out illegal practices that student borrowers experience in the for-profit space, and so am sure that you would want this information as well. As stated previously, the -XXXX- Navient student loan I have is almost XXXX % interest, this is almost twice what XXXX was charging me, and I am requesting that the loan number below with Navient be reviewed. The original amount of the loan has been repaid in spades. Original loan amount - {$8000.00}, I have repaid almost {$11000.00} on this loan already and still owe over {$17000.00} more..
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MS)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 
Account : Bank XXXX XXXX credit card XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX  XXXX XXXX  Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (TN)

I have not received a loan statement from VW Credit since the statement with a XXXX XXXX, XXXX due date. On XXXX/XXXX/XXXX, I emailed VW Credit as noted : '' Original Inquiry on XXXX/XXXX/XXXX XXXX XXXX : I did not receive a statement in the mail in XXXX and have not received a statement for XXXX yet. Please verify my statement is being sent to my address of record. Thank You XXXX XXXX ''. I received the following reply on XXXX XXXX, XXXX : '' Response on XXXX/XXXX/XXXX XXXX XXXX : Thank you for choosing Volkswagen Credit. We strive to provide quality customer service to ensure your satisfaction.You have not been sent a monthly statement because you do not have an amount due at this time. Your next payment will be due on XX/XX/XXXX.Any additional funds received on your account will automatically be applied toward your next due date available and the principal balance of your loan. Please be aware that the monthly statement will not generate when the full amount of the invoice has been prepaid. If you would like to have a payment applied to your principal balance only, please contact a Customer Care representative by phone. A Customer Care representative can have the additional money applied towards your principal balance as a one-time transaction and not a repeating transaction. If you would like any additional future payments applied towards your principal, you must contact a Customer Care representative by phone.If we can be of assistance in the future, please do not hesitate to contact us again through My Account or contact our Customer Care department at XXXX XXXX XXXX : XXXX ], Monday - Friday, XXXX to XXXX XXXX XXXX. ". Sincerely, Volkswagen Credit Customer Care '' There is not an option on the VW credit web page or via the toll-free number referenced to obtain balance information. The only option available on the website is Pay-Off option, which of course provides a sum for a limited window of payment in full of the total balance owed. 
There is no supporting documentation for VW 's denial of provision of a monthy statement in my sales contract.
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (FL)

This is another medical debt that was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.