davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I have paid off all my credit cards and consolidated my students loans into one payment. I have requested all 3 credit bureaus to update my credit report and provide me with a a new score. As of today, I am not seeing any changes. I want all three to provide me with the correct updated information.
Consumer complaint received 2015-04-02
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (KY)

Discover claims my payments for their XXXX accounts with them were each 1 day late last month. They raised the amount of my payment on each, charged a late fee on each, and increased my interest rates on each. I filed a complaint with the BBB of the area, and requested contact be made via mail, but Discover started to bombard my home with phone calls. The XXXX time they called, I was out getting groceries and they spoke to my husband, which is against the law. His name is not on my accounts. I mailed my payments in plenty of time for them to get to them, and paid more than the minimum payment due on each! It so happens there was 1 day the mail did not run in XXXX, due to the winter storm, and if in fact the payments did not make it in time, that is most likely why. I have no control over the weather, or when the post office might close, but truthfully, I believe the payments got there, and they set them aside so they could claim late payments. It would n't be the XXXX time they have done this to me. I mailed their payments 6 days before the due date. They usually receive them within 4 days of the time I mail them, so something fishy is going on here. They are ringing my phone off the hook, and refuse to make it right, even after the BBB complaint. They have already called XXXX times today alone, and I know they will call more. I have documentation.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (LA)

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, they can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible they should not report any claims that you know or should know are not in compliance with regulations and the law. If they do report such claims, they could be subject to fines or other penalties. Furthermore, reporting claims that they know are not in compliance could damage the reputation of they company. I am writing to inform them that they need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose. I have given you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize they to take whatever steps are necessary to correct my credit.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Back at XX/XX/XXXX of 2022 I was talking to somebody online that I thought I can trust and I gave them my credit card. The problem is that I was being scammed at the time and I didn't even know it That was trying to send {$3000.00} to my account The company that I was with that provided that credit card they restricted and all they ask was can they have a bank information of that money that they provided and I told the person that's all they need and she couldn't do it. I try to reason with her wouldn't do it and remind you I never even seen this person that one bit not one time of my life I never saw this person I went to the police to tell my situation to do investigation to a point is that they can't do nothing because they are in XXXX. I told the company out with my situation they don't want to hear it because they just need the he bank statement I talked to the manager and I thought things was taken care of I even asked him to run investigation on this he said yes is give them two weeks 2 weeks has now passed I literally just got done calling them and then do nothing because it keeps saying the exact same thing They can't start no investigation without the bank statement and I told him my situation over and over again I got to a point that I even asked them What do I do? I said to them you know my situation You know I've been scammed by them You're not getting the bank statement from them They have not even reached out to me not one time They are from XXXX They know all this information and yet you won't help me and all they can say is well if you can just pay off the balance that I owe the credit card everything should be fine it's up to {$4000.00} I tried everything with this company and nothing 's getting done I don't know what to do anymore.
Consumer complaint received 2015-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I advised the credit bureau Equifax that this account is outside of the federal statute of limitations for XXXX years of time barred debt they responded to me that says because of their records retention policies that they have the right to list the debt beyond the XXXX year period and that i have to wait en-light of federal laws of which this is illegal under the fair debt collection practices act
Consumer complaint received 2015-10-26
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (VA)

On Wednesday XXXX XXXX 2015 money has Been missing off my pre paid rush card my money came on my card around XXXX and ask soon ask i when to check my account i saw a transaction of XXXX dollars i didnt make. I really need that money a back on my card
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NV)

I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of a late payment for my apple credit card, I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place i would like to make a police report inregards to the fraud call made on behalf of apple credit card services which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it dont happen again I received a call around XX/XX/XXXX, from a representative from Apple Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX dollars and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of Apple Credit Card services and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you take the late payment off my apple credit card histoy and make a adjustment to remove the late payment for the month of XXXX and XXXX due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have finacially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. Thank you for your consideration, and I hope you'll approve my request
Consumer complaint received 2015-06-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JH Portfolio Debt Equities, LLC (TX)

I have continuously asked them not to contact me at my employers phone number but receive numerous phone calls a day from various phone numbers at my work phone. When asked for their phone number and mailing address the caller refused to give that information until I would give my personal information to her.
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

We had a mortgage with Wells Fargo beginning in XXXX. In XXXX my husband had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX leading to a long hospital stay then XXXX  months of home confinement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When the battle with the XXXX had finally been won the XXXX  XXXX specialist cleared him to begin XXXX XXXX  and a home program and was finally cleared to go back to work after another XXXX months. 

One year had passed with no work or paychecks and with 2 college tuitions it became very difficult to stay on top of our monthly expenses.

Then the real estate market crashed with my husband a XXXX  and me a XXXX  he was forced to file for unemployment until that expired in XX/XX/XXXX. 

In order not to default on our mortgage we were forced to wipe out our entire savings account, cash in both our XXXX XXXX  's and even sold some of my jewelry to stay afloat. 

We contacted Wells Fargo on many occasions with of course no resolution. We were advised to meet us with XXXXXXXX XXXX XXXX XXXX  XXXX to work through a loan modification. I have a binder full of documents that were submitted over and over again to Wells Fargo and what did they come back with for a solution? # 1 We were spending too much money on groceries and # 2 give us a 6 month moratorium on payments but at the end was a balloon payment for the full amount! They just had us go through the motions with NO intention of modifying the loan.

During this time we had to put our house on the market ( remember it was during the real estate crash! ) and ended up selling it like a fire sale and losing over {$75000.00}.

Had we received the modification we could still be in our house that we built back in XXXX with no mortgage instead we had to sell the house at a loss and at XXXX XXXX XXXX we will NEVER recover from this. Although President Obama had pushed these mortgage companies to do right by their clients they never had any intention of providing any relief. 

I had submitted a claim to you but you " closed '' the complaint when Wells Fargo said they only hold records for 7 years and couldn't " find '' our account. Serioiusly??? That was a sufficient reason to close the file? They are one of the worst companies for so many ways they have screwed their customers and should not be allowed to continue their illegal tactics. How is it they only keep records for 7 years? How does that work in fixing their past mistakes without any records? 

For their convenience here is my mortgage number they " couldn't find '' XXXX. 

BTW the XXXX XXXX  XXXX XXXX admitted they only had ONE modification out of the hundreds that applied.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

We filed XXXX XXXX bankruptcy on XXXX/XXXX/2022. We notified TransUnion of 6 accounts currently showing open that should be reporting as closed, XXXX balance and included in the chapter. After multiple dispute submissions they have not corrected the report. We would like the Consumer Financial Protection Bureau to investigate TransUnion.
Consumer complaint received 2023-02-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (FL)

Hi my name is XXXX XXXX. I have issue with Wells Fargo. I was behind with my payment plan because I was not working. On XX/XX/XXXX I tried to make the payment for the amount due but the system dont allow me to do the payment. I called them XXXX and the lady who answer me told me the account is charged off and she didnt accept my payment and I told her Wells Fargo dont send me any notifications and any calls. She gave me three options Sell the car, trade it or pay off XXXX. I request to contact with the manager and make complaint because nobody notified me y I try to make the payment for the amount that I owed. Please I need to solve this matter. I know the procedures of car loans. Before they close the account they need to notified me for mail or call. Now they want that I pay off the XXXX or they repossessed the auto.
Consumer complaint received 2015-11-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MD)

I borrowed from XXXX towards my XXXX education at a XXXX DC university. While I defaulted on my loan payments in XXXX, I reached a settlement of my debts via a separate debt collection agency in XXXX, which I fulfilled completely by XXXX XXXX, per the settlement agreement. However, the collection agency claimed I still had outstanding debt, and when I asked for them to produce evidence of said debt, they refused. Since then, a handful of rotating debt collection agencies have sequentially attempted to collect this already-settled-and-paid debt. Most recently, I have received phone calls from an agency with no written correspondence to identify the presumed debts.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and I have found the following items listed below to be in error Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) which states that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments, account balance, collections, repossession, status, and utilization is considered a credit transaction or an experience between the consumer and the person making the report. 
I am opting out of any all authorization given to report to any third party any authorization verbally or non-verbal, written or non written, indirectly or directly, I am now rescinding that authorization pursuant to 15 U.S.C 6802 6809 ( 4 ) ( a ) and 16 cfr 313.2 and it also states that I have a right to privacy I have the right to opt out of my non public personal information being shared with nonaffiliated third parties such my credit transaction. 
Pursuant to the privacy Act 15 U.S.C 552a and 20 cfr 401.25 the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; I never gave you XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). XXXX has caused severe damages and anxiety due to the abusive and unfair practices. This is now impeding on my life and familys lives. 
You, XXXX should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and intentionally cause harm to consumers. 
Since you XXXX and whatever creditors paying for your reporting services Has violated the FCRA 15 U.S.C 1681 that the consumer credit transactions and experiences between the consumer and person making the report are illegall on credit reports because they will violate The Privacy Act of 1974 which state that my financial transactions which are my credit Transaction & any experiences between me and any person making the report is my privacy which is not public information and should not be shared with or by any Agency & if shared with out my consent is a violation 15 u.s.c 1681b ( 2 ) and infringement to my right privacy.

I demand removal of all late payments, collections, Balances and repossession be removed from my comsumer report, and for account to be updated as paid/current, Within 10 days pursuant to 15 U.S.C1681a ( 2 ) ( A ) ( i ) 15 U.S.C 552a & 20 cfr 401.25 The privacy Act of 1974 failure to amend is a violation of 15 u.s.c 1611 and 15 u.s.c 1681n
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (FL)

The FDCPA forbids the harsh, dishonest, and unjust techniques that this debt collector used. They provided this account, which I did not sign an agreement on. I did not take part in any of the signings that two parties make in a legal contract. Furthermore, they didn't follow the right 5-step validation process, which makes their actions unjust. I am entitled to {$1000.00} under the FDCPA for each breach, and it is obvious that my rights were infringed. 

FRANKLIN COLLECTION SV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Neon Newco Corporation (MS)

Claim Date:XX/XX/2023 Claim Amount : {$1000.00} My account was hacked via an account to account bank transfer that I did not authorize. I notified Ace Flare immediately within minutes of receiving a text message alerting me to the unauthorized transaction. Ace Flare closed my dispute stating that there was no error found. They stated that their records show that the individual who initiated the transaction verified his/her ID and was able to successfully answer security questions that should only be known by the cardholder. That is the exact definition of identity fraud/theft. A non-authorized person fraudulently gained access to my account. I have offered to sign an affidavit or other notarized document. Ace flare customer service keeps telling me that I can not speak directly to the fraud department and that I can only email them.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid 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. (MN)

I reported my credit card stolen back in XXXX with citi bank, I originally thought it had not charged my account as I had reported it on the website right away. However, when I saw my statement I saw that it did charge so I called to start a dispute. They claimed I had never reported it stolen even though the website showed I had and I had received a new credit card in the mail. Months went by and I was still getting charged late fees and was never given a temporary credit into my account. This resulted in significant impacts to my credit score. I have called many times to resolve this issue and every time I was told there was no active case, finally after speaking to a higher up I found out they closed my case in XXXX and found me responsible for the fraudulent charges even though this was highly unlike me and I gave them the police report number for the active POLICE investigation. I never received anything in terms of a letter, email or call that they had closed the case with me being responsible for the charges. The lady on the phone said that I had opened another one to dispute this and this time they would be sure to get the temporary credit into my account and contact me with the findings of this dispute as well as holding collections calls. However, today I received another collections call and I logged into the account. The balance is still sitting in my account and I have no received any information on whether the dispute has closed or what is going on. I am extremely frustrated and beyond over this situation, this needs to get resolved! We're talking {$900.00} dollars and XXXX months of lack of communication and beating around the XXXX.