davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

Before I can access my report online, a Verification page lists XXXX multi-choice items, XXXX of which says : " Your credit file indicates you may have ... [ either a mortgage/retail card/bank card ] ... ''. Each question requires my response to verify and/or provide more detail. 

Because I have NOT opened any lines of credit as listed, the accurate response to each item is " NONE OF THE ABOVE. " Consequently, my free online credit report was denied. 

Instead, I must now risk using the USPS to mail my personally identifiable information to Equifax and wait at least 15 DAYS ' processing time before I can confirm my suspicions and subsequently report to law enforcement that the family member whom I strongly suspect has been stealing from me and fraudulently using my identity absconds from the law.
Consumer complaint received 2018-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

I am having difficulties retrieving my credit file and applying for credit. I have requested multiple times to have the extended fraud alert removed from my file. However, for some reason, the CRAs continue to display this alert. The alert is causing undue delays in retrieving my own credit reports and acquiring needed lines of credit. PLEASE SEE THE ATTACHED FILES TO SEE MY FORMAL REQUEST FOR REMOVAL OF THE EXTENDED FRAUD ALERTS.
Consumer complaint received 2016-08-11
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (WA)

I am the personal representative for an Estate. I contacted Macy 's on XX/XX/2016 when my friend became incapacitated. I hold POA and was advised to send a copy of POA to XXXX XXXX XXXX XXXX GA XXXX - it was returned undeliverable. I called Macys again on XX/XX/2016 ( my friend passed on XX/XX/2016 ) I asked the account be closed a copy of the bill send to my attn. for payment. I called again on XX/XX/2016 confirmed acct was closed and again, requested final bill sent to me. I followed up today XX/XX/2016 and spoke with XXXX in probate. She transferred me to Extension Point, XXXX XXXX - a debt collector. I again, asked for a copy of the bill and a good remit to address. He collected info as a debt collector and advised he would contact my attorney. So now the estate will be paying fees to my attorney to get this bill paid. I have tried to pay the bill and Citibank should be fined for making this so costly for the estate.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

YET AGAIN EXPERIAN HAVE FAIL TO PROVIDE ME WITH A COPY OF ANY EVIDENCE SUBMITTED BY XXXX.BE ADVISE THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION WAS HEREBY REQUESTED, TO BE PROVIDED.AN EMPLOYEE LOOKING AT THEIR COMPUTER SCREEN, SEEING MY NAME LISTED IN THEIR DATABASE IS NOT VERIFICATION OR VALIDATION OF ANY ALLEGED ACCOUNT. THE SAME ACCOUNT IS ON MY REPORT XXXX TIMES. ENCLOSE IS PROOF OF IT SAME ACCOUNT NUMBERS AND EVER THING HOW CAN THEY DO THAT AND GET AWAY WITH IT.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (MD)

I want to file a complaint against Discover card. My account with them was paid in full when they closed my account right after I paid the balance to XXXX in XXXX. Discover is now reporting on my credit that, the debt was discharged as part of a bankruptcy. 
I have taken the steps to dispute information being reported by Discover Card on my credit report with XXXX and the case has been resolved unfavorable to me, despite having shown proof of its inaccuracy. 
I filed a chapter XXXX Bankruptcy Date Filed : XXXX XXXX, XXXX, and no credit card debt was included in the bankruptcy. Only a charge off auto loan and 2nd mortgage debt. I have attached documents from the bankruptcy trustee showing the items included in the repayment plan. Discover XXXX credit card for XXXX was paid in full by me before I ever filed bankruptcy. Now they are reporting on my credit report that the debt was included in the bankruptcy which has/continues to adversely affect me. It should be reporting as a paid closed account with a XXXX balance as of XXXX, showing I had a high balance of XXXX and paid it down to XXXX. not that unsecured credit card debt was included as a part of a bankruptcy. This is not fair credit reporting. Please require Discover to provide proof of my last payment to them and last statement. Which will show I paid this in full prior to my ever filing bankruptcy and XXXX money was paid to them or included in the bankruptcy plan. 
I have also attached they last statement i have showing my balance at XXXX before they closed they account, prior to the bankruptcy.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I sent Experian a dispute letter asking for my loans ( Acct : XXXX and XXXX ) listed as transferred from XXXX to be removed from my credit report immediately. I also sent them a copy of my letter I was sending to XXXX XXXX Exhibit D ''. I sent the dispute by certified Mail ( Exhibit XXXX '' ). I contacted XXXX XXXX and XXXX and they said that Experian never contacted them. XXXX weeks ago, I received notice from Experian that they investigated and no change to my credit report was needed after investigation. It is very clear they did not investigate, because XXXX and XXXX was never notified as well as my proof of deletion letter from them did not allow Experian to delete the accounts.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

XXXX There are no data Furnishers to contact on these matters. Please comply with my request in my original complaint regarding inaccurate reporting of personal information on my Credit Report with your company. this per my request. This is my second request for you to correct the information on my Credit Report. I do n't know why I must spend so many countless hours on this. It is causing me a lot of stress. 

You should only be reporting personal information contained in this complaint and the attachment, any other names or social security numbers, or addresses are completely inaccurate and do not belong to me under penalty of perjury. Please remove this information right away and only report the information that is contained in this complaint and it 's attachments. I have included all necessary information so that you know that it is really me writing this.
Consumer complaint received 2016-09-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (LA)

In XXXX XXXX I was discharged from my job and I could no longer make payments because I was unemployed. I started working in XXXX XXXX and have been harassed and talked to very disrespectfully. I have been told I would be sued and my wages garnished. I had a payment plan of {$95.00} a month but I was only working parttime beginning XXXX XXXX so I could not afford full payments. Security has refused to accept partial payments and still refuses to accept $ XXXX monthly till my account is paid in full.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (VA)

In XXXX, 2016, I submitted a complaint ( Complaint # XXXX ) to the Consumer Financial Protection Bureau ( CFPB ). The description of my complaint is shown in the CFPB documentation. 
The CFPB submitted my complaint to the mortgage underwriter ( Wells Fargo ) for review. As you might expect from an internal self-audit like this by Wells Fargo, their response was incomplete.I immediately disputed their response with the CFPB. 
Now I would like to proceed to the next level with my complaint, which would appear to be the US Department of Justice with whom these XXXX financial settlements were reached. Or perhaps the CFPB might recommend another approach to obtain an independent assessment of my complaint.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (WA)

I pulled my credit annual report and found false information being shared to credit card company. Nasty remarks like failed to pay promised loans I am not receiving any credit for continueing to paying my home mortgage ( XXXX XXXX XXXX ) and my home equity line of credit ( XXXX XXXX ) since XXXX XXXX. A few other no no 's have been deleted, but Experien is Remaining on the outcome to not report. it shows CO XXXX XXXX, which I have made my payment since day one of this bank buying my loan in XX/XX/XXXX to XX/XX/XXXX. Same with us bank. So none of the credit agencies are willing to do the right thing and report my payments being made, on time, every month, never late. XXXX got even nastier and took my fica score from XXXX to XXXX than XXXX within 2 weeks??? I am not giving up to get the correct credit reporting. I sent them proof of all my payments made, proof from both corporate banks showing i made the payments and these credit bureas are still refusing to show that. I can send documents if need be, but these are sensitive and last thing i need is more problems with my credit. If need be, i can send all that I have in, which is about XXXX pages. XXXX XXXX muddied up my credit report last year when I cancelled a refi loan in where they were asking enormous fees to do an appraisal. The paper trails says it all for itself. it 's not coincidental, I spoke with XXXX men XXXX and XXXX at the XXXX office, and they both had bad attitudes towards me.
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (AZ)

I have had many problems with Wells Fargo disbursing the correct amount of tuition I asked for in my loan. They are expecting me to apply for a second loan when I only asked for one loan from the beginning. I have had to call many times due to incorrect dispurment of school funds and I even got a late fee for tuition in the 1st semester. It does not make sense to apply for two different loans in the same school year and that 's what they are trying to make me do. Wells Fargo never got it correct from the start and it has been extremely frustrating dealing with them over the phone. I am not capable of going to school for my second semester because they are not disbursing the correct amount. They are not being of help and I have talked to more than 3 representatives and an executive about the problem. I finally spoke to a respresenative on XX/XX/2017 who understood my situation and he explained that he would speak to my lender and have an answer for me by XXXX on XX/XX/XXXX. I never receive anything from him and I was forced to call Wells Fargo to check in on the loan process once again. The women I spoke with told me the male agent was not in the office today, when I was expecting a call from him because he told me he would inform me.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MA)

The XXXX XXXX " divorce '' from XXXX and changeover to a Citi Visa card was badly botched. When I went to XXXX to complain there were hundreds of people in front of me. I paid my XXXX card in full on XXXX XXXX but when XXXX switched the account to Citi they did not include my payment. Citi told me to stop payment on my check, which I did. Then I paid the full amount to Citi ( check has cleared ). Now Citi claims I owe them $ XXXX in interest charges. I explained what happened but they are unwilling to help. The manager at XXXX has been understanding and helpful but the issue is still not resolved.
Consumer complaint received 2018-04-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (TX)

Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Consumer complaint received 2018-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

Contacted the company regarding apparent debt starting in XX/XX/2017. No contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of the FCRA.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX XXXX is inaccurately reporting on my credit report 30 day late in XXXX and then a 60 day late in XXXX and a 30 day late again. When this car was stolen and it was paid out by the insurance in XXXX of XXXX. I was then informed in XXXX of XXXX  that there was an outstanding balance due to fees and charges that I needed to make payments on which I did. Now they are telling me that those were back payments and that they have reported them as late on my credit when the Cares Act I thought prohibited them from doing so but also they never notified me of this.. The loan is paid off and has been for quite some time and they never even notified me that I was late because of their junk fees and charges when I was told by my insurance company that they paid off the loan.
Consumer complaint received 2016-06-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo continued to bill me for payroll services since XXXX 2016. In XXXX 2016, I contacted payroll services and they continued to bill me for payroll services at {$65.00} a month. Additionally, I emailed payroll services in XXXX 2016 to terminate all payroll services and my manager told the branch to terminate payroll services. I did not hear anything back and continued to be bill. Today, they drafted another {$65.00} out of my account for XXXX 2016. So far I have been charged {$320.00} for payroll services since XXXX 2016. They are violating federal and state laws continuing to bill me for services and I want a refund.
Consumer complaint received 2017-02-06
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (HI)

i purchased a vehicle from XXXX 10 % interest rate 2 nd loan with wells fargo payment was XXXX $ monthly i was upside down XXXX $ my loan was, my amount financed was is XXXX XXXX payments i got about 2 years of payments asked for a pay off quote had saved some money was going to attempt to pay the car, from the XXXX XXXX ask what the pay off was they said it was XXXX $ still i asked for my records of my payments i received about week and half look at my payments XXXX $ they fluxiate a little about XXXX $ interst a month was never notified this ever shown this in it says 10.9 percent i researched called wells fargo since the dealersshio ask for the loan i my behalf was never notified 40 % interest have called wells fargo numerous times ask them if they could consolidate they said its not the procedure i am in a loan shark loan this why i am still making payments on time want to get out this loan
Consumer complaint received 2024-10-18
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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-18
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. (IN)

Recently I did an investigation on y credit report and found several items there to be inaccurate information. Under 15.US Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepare a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been changed or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

On XX/XX/18, I've submitted a request to Experian requesting that they provide proof of the method of verification for which they used to verify the accuracy of this reporting. Clearly, the United States Bankruptcy Court, District of Maryland have verified that the Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The FCRA further states, that the credit bureaus are required by law under Section 605 and Section 603 ( f ) mandating accurate information. Therefore, it is the responsibility of the original furnishers of a debt to verify its accuracy. Section 660.2 ( b ) direct dispute means a dispute submitted directly to the a furnisher ( including a furnisher that is a debt collection ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the originial furnisher has or had with the consumer. Section 660.4 ( iv ) information derived from public records, such as judgments, bankruptcies, liens and other legal matters ( unless provided by a furnisher with an account or other relationship with the consumer )
Consumer complaint received 2016-04-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (PA)

An unauthorized transfer was made from my account to XXXX XXXX ; a dispute/claim was filed but could take months to resolve. I contacted XXXX XXXX, they gave the error code XXXX and told me to contact my bank ( Wells Fargo ). No one seems to know what XXXX is, but a simple XXXX search shows it 's an unauthorized transfer from the originator. It 's in the amount of {$250.00} on my account. This complaint is in regards to the unauthorized transaction with hopes that the money will be returned to me faster than your claims process.
Consumer complaint received 2017-01-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

My husband and I are in the middle of an FHA Short Sale for the property located at XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

Citi AAdvantage Mastercard XXXX 1. On XXXX/XXXX/XXXX, Received email from XXXXXXXXXXXX offering a 1.99 % interest rate on new purchases until XXXX/XXXX/XXXX. 
2. Within a week of receiving that email, I clicked on the " enroll today '' button in the email, logged in, accepted offer, and the web site said that I was now enrolled. 
3. Full interest was charged in the XXXX cycle ( 22.24 % ). 
4. XXXX/XXXX/XXXX, called customer service, talked to manager " XXXX in florida ''. She said that they have no record of me even being offered that offer, and that instead, I was already enrolled in a promo that ended in XXXX, that I supposedly enrolled in in XXXX. I told her that I did not enroll in anything in XXXX, and that I only enrolled in the XXXX offer. She asked me to fax the emailed offer to her, and that they would get back to me in 1-2 days. 
5. I faxed a printout of the emailed offer to citicards at the number that XXXX gave me, XXXX, with a complete history of the issue, and with a request to call me ASAP, since I was accumulating daily interest charges that I did n't intend. The receiving fax machine ID 'd itself as " Citicards ''. 
6. XXXX/XXXX/XXXX I called customer service to confirm that they had received the fax and to ask what the status was. They said that they had no record of getting my fax. They said that XXXX was gone for the day and that they would email her. They asked me to re-fax. 
7. XXXX/XXXX/XXXX XXXX pacific, I re-faxed the original fax, and the " fax sent '' confirmation from my first fax.