davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
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: Experian Information Solutions Inc. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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. (GA)

Consumer Name : XXXX XXXX. This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned account reported. The aforementioned account on my consumer credit report maintained by you was not opened, or initiated by me. the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AR)

I type a full " box '' describing my complaint and had just started the first few lines in the box requesting the desired outcome. Then suddenly your complaint form disappeared. So, I will try to pick up where I left off XXXX XXXX XXXX. I wish to continue making student loan payments as I have for over ten years to a reputable loan servicer which may or may not be Nelnet in XXXX XXXX. To date, I file a complaint with the Arkansas Attorney General XXXX XXXX XXXX and included the information in the first box ; now disappeared a few minutes ago. We believe the Arkansas XXXX XXXX XXXX ( XXXX XXXX AR ) may have provided our " private information '' including Soc Security nos. for both me and my wife, birthdates, checking account nos., etc. We worked with AR XXXX last summer XXXX and we were shocked to learn our student loan was placed in forbearance for one year which we did not authorize. In the alternative, Nelnet may have provided our " private '' information to loan companies like XXXX in California. 

You say not to provide " your ( our ) name, account no., address, Social Security numbers, etc. So hope someone at CFPB sees this. Very odd.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (NY)

I recently noticed a number of unauthorized credit inquiries on your XXXX credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is for Equifax credit reporting agency and I had an unauthorized credit card applied with my information at ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I called to have my PMI removed. I fully understand what PMI is and the requirements for removal. There have been 2 homes sold in the past couple months that place my home value high enough to have my PMI removed. When I asked to start the process, they told me documents have to be mailed. I asked for them to be emailed, they would not. The reason for this complaint is simple, removing PMI should not be complicated etc. Wells Fargo needs to do all they can to ensure it is easy to have PMI removed when the requirements are met
Consumer complaint received 2017-10-07
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. (GA)

On XX/XX/XXXX - 3 Certified Letters were sent to all 3 credit bureaus ( XXXX, Equifax and XXXX ). The letters included a handwritten letter explaining the debt and account information being incorrect and a copy of my identity. This item needs to be removed as soon as possible. As of today, XX/XX/XXXX I have not received a response from Equifax or XXXX. 

Original Debtor : XXXX XXXX XXXX XXXX : XXXX XXXX Balance Owed : {$390.00} Settlement Paid : {$190.00} Paid on : XX/XX/XXXX Please attachments-
Consumer complaint received 2017-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JMD,LLC (CA)

XXXX XXXX XXXX continues to report to all the credit reporting agencies a medical debt that I do not owe and have refused to validate the debt. They are collecting for some medical company for a period of time that I had XXXX  and that coverage was XXXX XXXX. I could not have had a medical bill during that time. I have told them this and they refused to investigate, validate and remove. I asked them simple questions like what was the date of service and who was the provider and they told me that they did not have the information but they are still reporting this on my credit.
Consumer complaint received 2017-09-12
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. (GA)

The Equifax hack has resulted in my personal information being released into the public domain. I 've attempted a credit freeze with equifax, however both phoning and web attempts to freeze my account have been unsuccessful. The phone number provided by their website does n't actually offer the option to freeze my account, and the website does n't load.
Consumer complaint received 2017-09-12
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)

My situation involves the Equifax data breach. I entered my information to see if I was affected by the breach 2 days ago on the XX/XX/XXXX and it said I was not. However, I entered my information again today and it told me I was and to sign up for free credit monitoring. The terms and conditions of signing up requires for me to waive my rights to sue. I believe that the results are random due to the 2 answers I received and that the reporting company used my report improperly.
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — Store credit 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. (CA)

I purchased a refrigerator, stove and washer and dryer at Home depot /XXXX- XXXX, I got the store credit card with the 18 months no interest rate in XXXX. The delivery was 2 1/2 weeks late I was suppose to get a XXXX credit on the credit card, the stove and refrigerator was delivered scratched and they were to give me two XXXX debit cards and a XXXX gift card. I only got one XXXX debit card and a XXXX gift card. I have called several times and it has not been resolved. In XXXX the refrigerator stopped working because it had only been 4 months that i had it XXXX had a repair tech come out 3xs. The repair guy told XXXX XXXX XXXX to replace the appliance it can not be fixed. XXXX said no they wanted to send another repair person out to fix it for the 4th time. I said no and asked to speak to a manager. I have talked to dozens of managers at Home depot and XXXX XXXX to only get the run around. I contacted the FCC and BBB and I only get an email saying the company has not responded. XXXX XXXX said they will not replace or give me my money back they will only try to fix it. I spoke to Home depot they said they will give me my money back by a credit on the card but they need to pick up the refrigerator and cant commit to when I would get the credit on the credit card. I said the same day you pick it up I will be in the store for my credit. XXXX from home depot said she would check with her manager and I have n't heard any thing for 3weeks now. I do not have a working refrigerator and no one will call me back. I want my money back for the refrigerator such as a credit on the credit card, I want compensation for the XXXX of food lost, I want the XXXX off for the scratch on the appliance as the promised initially for the delivery issue, the XXXX off of the credit card for the delivery issue they promised
Consumer complaint received 2017-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

My loan was transferred From XXXX to LoanCare effective XXXX/XXXX/XXXX. I was sent documentation from my previous loan servicer informing me of the transfer as well as LoanCare 's mailing address. I subsequently sent a payment by check to LoanCare 's XXXX. XXXX on XXXX/XXXX/XXXX. 

After noticing on XXXX/XXXX/XXXX that the check had n't cleared, I contacted LoanCare 's customer service department. I was informed to place a stop payment on the check and make my first payment to LoanCare by phone. I was also informed that any fee to process payment by phone would be waived as I am a new customer. I then set up ( with the customer service representative ) an auto draft schedule for my monthly mortgage payments. 

This afternoon ( XXXX/XXXX/XXXX ), as instructed, I contacted my bank and placed a stop pay ( costing me {$30.00} ) on my initial loan payment check. I then called LoanCare to make a payment by phone to find that ( as I have n't been sent any of my loan information ( e.g. account number ) so I could setup and pay from an online account ) I could either pay a {$12.00} processing fee to pay by automated phone service, or a {$15.00} processing fee to speak to a representative and pay. I opted to speak to a person, under the impression the fee would be waived. Once I was connected to the representative, I was informed that, despite what I the previous representative stated, not only was I still subject to processing fees ( thankfully the processing fee was waived ), but that a stop payment would n't ACTUALLY stop the payment on the check. Rather, LoanCare would still try to process the stopped check and I have would be subject tp ( yet another ) fee of {$20.00} for insufficient funds.
In summary, LoanCare 's inability to process a payment in a timely manner and misinformation of it 's staff has potentially cost me an extra {$65.00} on top of my mortgage payment. This is NOT an acceptable way to begin a business relationship. And judging by the many similar scathing reviews online, I 'm not the only unhappy customer. 

How LoanCare can resolve this issue : I respectfully request that LoanCare reimburse me for the stop pay I was instructed ( by a LoanCare representative ) to place on my initial loan payment as well as any subsequent fees and fines I may be subject to pay to my personal bank ( i.e., Insufficient Funds fee ). I also request that any Insufficient Fund fees to be paid to LoanCare by the homeowner be waived.
Consumer complaint received 2020-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

1 ) I logged into my online wells fargo banking account on XX/XX/XXXX my checking account balance was {$50.00} 2 ) Went to Wells Fargo XXXX XXXX branch in XXXX VA to file a fraud claim spoke to XXXX XXXX the manager 3 ) Looked at all transactions made and started claim was told I would get money back and my old account would be closed 4 ) Was also stated that the resolution team would take a look at all transactions and see what they could do, they would have a " specialist '' investigate and i would receive a call from their team 5 ) The claim had every transaction starting with two transfers from my savings to my checking accounts of {$2000.00}, then two transfers of {$500.00} through XXXX to an unknown name of XXXX XXXX, everything else was transferred through increments of $ XXXX through XXXX XXXX ( an application I deleted before the money was taken ) and using a cardless ATM number and my PIN - the transactions say XXXX XXXX XXXX XXXX and XXXX XXXX XXXX GA 6 ) No one had permission to log into my online bank account or have access to any of my account information, I was never in XXXX, GA so I myself did not use my own card to take money out at an ATM. 
7 ) After the claim was finished with being filed i was set with a new checking and savings account 8 ) 10 business days later {$1000.00} in total was sent to my new bank account - XX/XX/XXXX 9 ) No call was received from resolution team, no email for contact along with no email of suspicious activity 10 ) Went back to 10 High Wells Fargo branch and was told that all my accounts were to be closed and they were not told why - XX/XX/XXXX ) A letter was received in the mail explaining, my case was to be closed along with my bank accounts because it was claimed that I did it myself or gave permission to someone else for this. - XX/XX/XXXX 26th
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (UT)

The credit bureaus are reporting an Ally Financial - XXXX account and a recent 120+ day late on a charged off account for XX/XX/20 just showed up and the debt was paid already. This is erroneous
Consumer complaint received 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Third Request To Whom it May Concern : I am writing to let you know about an identity theft case that affected my credit report. Upon reviewing my credit report, I discovered fraudulent information that does not belong to me. This identity theft has caused significant harm to my financial credibility and has put me in a difficult situation. According to the Fair Credit Reporting Act ( FCRA ), I would like to ask you to block the fraudulent information from my credit report. Section 605B of the FCRA states that credit bureaus are required to block the reporting of fraudulent information resulting from identity theft upon receiving a proper request from the victim. I am also attaching a copy of the Identity Theft Report filed with the Federal Trade Commission as supporting documentation. Please investigate this matter promptly and block the fraudulent information from my credit report to prevent further damage to my credit history. Please provide me with a written confirmation once this has been completed. Thank you for your attention to this matter. I appreciate your quick help in resolving this issue. Please do not hesitate to contact me if you need any more information. Also, you are in violation of laws : 15 US Code 1666 ( b ) ; 15 US code 1637 ( a ) ; 15 US Code 1681 ( c ) 2 ; 15 US Code 1681 ( s ) 2. Please delete/block the accounts attached to my FTC report ASAP. 
Sincerely, XXXX
Consumer complaint received 2017-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BOK FINANCIAL CORP (TX)

My mortgage payments have been scheduled to be sent using BillPay from XXXX XXXX XXXX to my mortgage company, Bank of Texas for a couple of years. The payments were sent and received electronically, but since XXXX 2016 was switched to be sent by check. Contact both banks saying their agreement to receive electronic payments was broken. Bank of Texas told me to open an account to XXXX XXXX, because their agreement is " still valid ''. 

I sent a letter to Bank of Texas Mortgage Complains division asking if it is possible to work out things with XXXX  XXXX XXXX. I am still waiting for an answer. In the way the customer service from XXXX XXXX XXXX has been, I do not trust to allow them to access my checking account to make the mortgage payment. 

Hopefully this helps.
Consumer complaint received 2020-03-12
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)

After reviewing my credit report XX/XX/2019, I noticed a fraudulent account from an auto loan Company. I have sent multiple letters, filed a police report, and the company still refuses to remove the account from my credit report.
Consumer complaint received 2017-09-13
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. (GA)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse  from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I 'm contacting you because after the XXXX breach I 'm attempting to place holds on my credit with all the bureaus and doing so with Experian has been supremely difficult to the point that I think they are purposefully trying to stop people from doing it. Both the other companies allowed me to freeze my credit over the phone using the keypad. I tried calling and waiting for 40 minutes the first time and more than 30 minutes the second before I had to hang up ( wonder if they even HAVE customer service representatives ). Then I tried to do it online, entered all my information in correctly and answered all the questions correctly THEY DENIED THE FREEZE!!!! They are requesting that I mail them a ton of sensitive information. This is INSANITY! Fix this!!!!
Consumer complaint received 2020-05-02
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. (NV)

I have attached 3 FTC reports in which these accounts are not mine, severely outdated in which its later that what the FCRA allows, addresses are not mine, and inquiries in which I did not allow.
Consumer complaint received 2018-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on may XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX  Fl. I talked to XXXX  and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized