davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2015-07-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

During end of XXXX, 2015 - I opened bank of america Basic checking account as part of the promotions whichs says:1 ) XXXX direct deposits of {$2000.00} or more within the first XXXX days. 
2 ) Either have a direct deposit of {$250.00} per month or maintain an average daily balance of {$1500.00}. 
Both the conditions were met much before end of XXXX, 2015. I was told in various customer service chat and otherwise on the phone that if the conditions are met then within XXXX days they will give me the {$300.00} promotional cash back bonus. I keep on following up during XX/XX/XXXX on wards - i keep on getting different versions like " we are still doing verification etc ... '' All my direct deposits were qualified direct deposits. But it 's more than the stipulated XXXX weeks and i am yet to receive my {$300.00}. I am just spending time and efforts in terms of following up on this issue to get nothing out of it.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

My student loans were consolidated by XXXX in XX/XX/1997. I have been paying on my student loans for XXXX yrs, yet the principal I owe has almost doubled. I started out on their graduated payment plan. Because the amount of my payment did n't cover any interest, any interest that accrued, they kept applying to the principal. I am now on an income based repayment plan. It 's the same thing. I 'm making the payments, but because they do n't cover the interest, they apply the accrued interest to the principal balance. How is this ok?? Now I 'm paying interest on the interest on the interest, etc ... This is such a scam. It needs to stop! They make paying off your student loan impossible.
Consumer complaint received 2024-09-30
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. (OH)

I've found erroneous information on my credit report, which falls under the jurisdiction of 15 USC 16c-2. This inaccurate information is harming my credit score. I did not authorize the inquiries listed.
Consumer complaint received 2024-09-30
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. (NC)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
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. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely shocked this morning to find inaccurate accounts on my credit report, and I have no idea how they got there. When I checked my report as usual, there were discrepancies that Ive never seen before. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts stayed put. Because of this, I urgently request that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about this happening again.
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

I was notified by my credit monitoring service that a collection account from Southwest Credit Systems in texas put a collection account on my credit. For the record I have never received any validation of this debt prior to this going on my credit report. I have resided at the same address for the past 2 years and still have a forwarding mail with the post office from my old address. I called the collection company to resolve this issue and the young lady told me that I had to pay this debt and she did not have to verify any information with me and wanted me to provide her with my information. I told her that by law she is to confirm with me my information and validate the debt with me before putting this on my credit report. She told me that the client was XXXX. I advised her that I do not owe any debt with XXXX and my account was a pay as you go account which I no longer have services from them for over a year now. I had many issues while I was with XXXX not just that XXXX system were breached and my personal information was leaked. I would like for this collection account to be removed immediately. THis is not my debt and do not feel that it is right that this collection company can just put this on my credit with out validating this with me. They did not send me anything in writing confirming that I owe this debt and advised that they can continue to call me and seek legal actions until this debt is paid. I am a XXXX veteran on a fixed income and need my credit to survived. Please help me.
Consumer complaint received 2016-04-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: The Best Service Co.,Inc (CA)

Collection company here contacted me never have I ever received any verification or documentation on this debt. It says its for a XXXX XXXX I contacted XXXX and was transferred to The best service company. First I have copy 's of my credit reports where it states I owe XXXX then updated to XXXX dollars And when I disputed with the credit report agency 's It was updated to XXXX The Fair Debt Collection Practices Act says collectors can add fees or interest only if the amount is " expressly authorized by the agreement creating the debt or permitted by law. '' That requires having a copy of the original card agreement to prove the interest is permitted. I have Not received no Validation of debt. Then when I contacted them the Man stated that if I give the goods back and hand over some cash this will all go away. What gets me the most is he stated he is already in the process of suing me and filed documents with the XXXX California Court already, which he did not, It has been XXXX months since the phone call and this is a violation A debt collector can not falsely threaten you or threaten you with illegal actions California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. I am diagnosed XXXX and this caused me XXXX which is not good for my well being. Also the original charge off on my reports states accounts day of first delinquency is XXXX XXXX the best service company has it listed has XXXX XXXX which account should show accurate date of original charge off account. Date of removal is listed on the original charge off as XXXX XXXX, but the best service company has extended the debt and is showing XXXX XXXX. Which is also a violation in Fair Credit Report Act listed in Sections 623 ( a ) ( 5 ) and 605 ( c ) ( 1 ).
Consumer complaint received 2016-10-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CASHCALL, INC. (OH)

I had a {$2600.00} loan with XXXX XXXX XXXX. I have been paying on the loan for at least 4-5 years. The company changed to Cash Call and they began collecting on the loan.The continued to call me in regards to making payments. I attempted to make a payment approximately 2 weeks ago and they refused the payment and they could n't tell me why they could n't collect on the loan.
Consumer complaint received 2015-10-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Experian Information Solutions Inc. (TX)

I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date.
Consumer complaint received 2024-08-27
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. (MA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. 

The following tradeline item is inaccurate. 
Account Name : XXXX  Account Number : XXXX I have two late payments on an account that I was in fact Paid On Time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate and provide verifiable PROOF with records showing that I had late payments. If this information can not be verified I demand these payments be updated to Paid On Time immediately. The inaccurate that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage. Thank you for your understanding and prompt action.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (FL)

Experian is a credit report agency. In order to view your credit report with your score you must pay {$1.00} and then they AUTOMATICALLY enroll you in their credit monitoring service for {$21.00} a month. There is no way around this. Then if you do n't cancel within 7 days, they charge you the {$21.00}. This is in small print. They do n't send you a reminder email or anything. They are hoping that the average consumer will forget about it until they charge you. Then, even if you cancel as soon as they charge you, they will not prorate any of the money back to your account. This is not fair to consumers. The onus should not be on consumers to opt out of something seven days later. You should be able to opt out of the service immediately. Also, if you cancel they should prorate the unused portion of the service. A company SHOULD NOT be able to rob hard working Americans of {$21.00} through these sneaky tactics. I expect more from an agency who is has so much power over the livelihood of American, but instead they are robbing us. CFPB, please make this company change this policy. It is unfair and predatory and this company is making money not by providing a service, but by hoping that Americans are inattentive and forgetful. It 's not right.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I have been disputing with all three credit reporting companies and have gotten nothing resolved. I have been the victim of bad credit since I can remember. My credit score has always been in the XXXX 's due to improper reporting. This has caused me to continuously get denied for credit and pay very high interest rates on auto loans. Every time I shop for an auto loan the car dealership sends out my application to different banks ( shotgunning ) the credit companies report every single inquiry on my file. I get denied credit because too many inquiries. Credit companies try to tell me all those inquiries on my file only counted as XXXX and did not affect my score. That is the farthest from the truth. They count and that is why my credit score has never reached XXXX. I have also disputed other inaccurate information in my file and each and every time it remains un resolved.
Consumer complaint received 2016-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (WA)

I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on XXXX payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?
Consumer complaint received 2018-04-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has the mortgage on my home. I have had a diagnosis of an incurable XXXX and all of a sudden have no income except my social security income. The XXXX has filed for a collection on a business loan and it appears on my credit report. Wells Fargo never gives you a reason why they turn you down on a modification, except to say there are discrepancies ; they do not allow you to explain the discrepancies. The first time I had a modification was several years ago, and that was when the investigation into mortgage fraud was uncovered. That was a nightmare, with lies, having to submit documents several times, personnel changing and having to start over. Then the only thing they did was to instead of a pick a payment, added a second lien to my property which didn't accrue interest but it was accruing on the pick a payment. These XXXX  that I talk to at Wells Fargo promise that it will only take about two days ; every time I submitted information they said they didn't get it. 
As of 2015 I was diagnosed with a critical incurable XXXX, which cut off all ability to work. I was able to keep up the payments for quite a while, but gradually fell back, until now I owe {$12000.00} to bring it current. 
I applied a year ago for a modification, and the same thing happened ; no explanations, and finally when they denied it, they said something about discrepancies, which I couldn't figure out. Their contacts don't seem to know, and when I asked, they said they have no information. 
I tried to keep up the payments, but wasn't able to ; I was able to make one payment a month, but it was still behind. All of a sudden, I get a notification on the door of foreclosure and apparently the house is in the bank foreclosure MLS list ; no notification. I can not believe Wells Fargo can continually get by with this ; they treat their customers very badly, lie to everyone, and then refuse to be accountable. I need some help. I don't know if there is a foreclosure date, ( I put NO because I don't know. )
Consumer complaint received 2018-04-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd (TX)

I have been paying online to XXXX XXXX XXXX XXXX for 2 years. My balance was {$890.00} it is now {$210.00}. My payment history shows I have established ongoing payments for over 2 years. 

I was turned over to collections. It was reported XX/XX/2018 It has negatively impacted my credit and it is very alarming to us who are struggling to make ends meet and want to pay our debt. Why would a company do this? 

They call constantly call me and I tell them I am paying and have been paying every month. 
I got to where I just hung up on them when they called. I can't pay anymore than what I am doing. Why can't they just leave me alone. The money they waste calling me is not smart. They can see if they do nothing they are going to get the balance paid in full.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

1-EXPERIAN refuses to investigate ACCOUNT XXXX, XXXX ( proof attatched ) 2-account does not display a correct DOFD, ( date of first delinquency ) 3-account does not contain fall-off date, experian reports the date assigned to collector, as a result experian has re-aged account 4 experian has included their statement that account is reporting according to FCRA when on the face of the record that statement is proven false. 
5-account was paid off XXXX/XXXX/16 for an amount in excess of collection amount XXXX ; in CALIFORNIA it is illegal to charge any collection fee that is undisclosed in original contract ... .violates debt collection law. 
6 account history shows in collection in XXXX 2016 when was paid XXXX XXXX 2016. 
7 according to fcra creditor was required to send dofd within 90 days of reporting not years later XXXX amount and date are not shown on report ( not reported ) 9-experian no longer has 30 days to investigate or remedy since they have verified falsely and conclude the specific dofd investigation. 
10-applicable fcra law is attatched here regarding dofd violations by experian
Consumer complaint received 2016-04-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Quality Asset Recovery LLC (PA)

I was unaware of a {$74.00} medical debt owed from XXXX for dental work performed. I received a call from QAR Collections in XXXX NJ ( XXXX ) stating that I owed this debt and asking me to make arrangements to pay. I advised that I was unaware of the debt until recently when I saw my credit report on XXXX XXXX stating the amount owed was {$86.00} to a XXXX collection agency. I advised QAR that how could I owe XXXX agencies for the same debt and a debt I was unaware of until XXXX/XXXX/XXXX. 

QAR 's XXXX ( no last name provided ) stated possible debt was sold to both agencies. He gave me QAR 's website to make a payment and would not re-send any debt validation. In addition, he re-assured me that no credit bureau reporting had occurred. I disputed the debt on my credit report for XXXX and it was immediately removed by XXXX and XXXX and is still being researched by XXXX 

On XXXX/XXXX/XXXX, I spoke again with XXXX at QAR and advised that the debt was removed from my credit report for XXXX and that in analyzing QAR 's website, I could not pull my account information and their website was unsecure and I would not be willing to make any payments or submit anything on such a site. I again demanded a debt verification letter and he refused. I advised that I wanted something to prove the debt because I was unaware of the debt, had XXXX credit bureau agencies remove the record and their call tactics and website made me leery of paying such debt. He stated that he would have to ask his " director '' if he could re-send the debt validation or other notice. The next day, XXXX/XXXX/XXXX, QAR reported to the credit bureaus. I had it removed from XXXX and have disputed it with XXXX. It was not reported to XXXX
Consumer complaint received 2016-05-09
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Consumer Adjustment Company Incorporated (AR)

CAC sent a fax to my employer for verification of my employment after only attempting to contact me 1 time. There are no judgments on file against me in the court system as of XXXX XXXX, 2016 and the fax was sent XXXX XXXX, 2016.
Consumer complaint received 2024-09-30
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. (GA)

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The account in question does not belong to me, and I have serious concerns regarding its validity. I have previously requested documentation, including the purchase agreement and any other supporting documents, to prove full ownership of this account. To date, I have not received sufficient evidence to verify that this account belongs to me.