davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
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)

I am XXXX XXXX, I am submitting the complaint myself and there's no third party involved. 

XXXX consumer notified me that I was in a class action suit due to my loan qualifying for a settlement because they were practicing subprime lending practices. 

They admitted that they broke the law after I've submitted several disputes. After I received the settlement I disputed again and the dispute was denied. The loan should have been removed from my credit report already and is now affecting my score and ability to move forward with financing a vehicle. 

Lawfully, they're not reporting accurate information.
Consumer complaint received 2021-03-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding (TX)

I applied for a forebearance under the CARES Act with my mortgage company, XXXX XXXX. I was granted the forebearance but began to assess late charges and receiving notices. When I contacted the company in XXXX after receiving multiple letters stating that my loan was late and that I needed to pay the full amount immediately. I was treated really poorly by the representative with XXXX who basically told me that I was going to have to pay all of the money {$6200.00} on XX/XX/XXXX or I was going to lose my house. I tried to ask about the details which I understood was that I could either tack those payments from the forebearance to the end of my mortgage or spread it out over time. I was told NO. 

I did not lose my job but our finances were impacted due to the fact that my fiance who is XXXX XXXX had a loss in wages. With all the uncertainty and the struggle we were in we thought this would give us some respite. 

I feel like my home is under threat and I am terrified of losing it. I went ahead and paid out all the money I had including all of the stimulus check to try and get caught up. In addition, I feel like I was bullied due to the fact that I have an FHA loan on a mobile home and they felt since I am poor they could get away with treating me badly. I asked to speak to a supervisor and was put on hold for an hour before speaking to a woman who wasn't as rude but told me basically the same thing - that on XX/XX/XXXX the total amount of the deference was going to be due. As of today XX/XX/21 I am current up to XX/XX/XXXX - I still owe for XXXX and have been so scared of losing my home that I put off all other bills despite having a forebearance. 

I feel like XXXX XXXX has been punitive with me - they have showed no compassion - and treated my family badly. We really need/ed that forebearance but have been unable to utilize it.
Consumer complaint received 2021-03-17
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: Nelnet, Inc. (MN)

Nelnet has been reporting inconsistently on my credit report. I have 13 loans with nelnet but 1 account number. Each loan has a different date of being late. I only pay 1 time a month. So it doesnt make since for it to be a different date on each loan showing Im late. Recently nelnet has reversed one of the late payments on the loan and kept all the rest of the loans late. They have the same account number and I pay 1 time a month.
Consumer complaint received 2021-03-17
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. (FL)

The collection on the credit report has not been erased. This debt was paid since XX/XX/2019, and should have never appeared on the credit report as a collection to start with since it was paid. 
I told them I want the mistake removed from the credit report ASAP and provided proof of payment. The company verified that payment was received. 
I told them I need a letter that states that they received payment and it will be removed from my account. they never replied to me. I am in the process of getting a loan and this is slowing it down. they said they would delete it and they have not and are violating the fair credit reporting act.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.
Consumer complaint received 2021-10-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

Hello my name is XXXX XXXX. I have a issue with a hard inquiry on my credit report. I have contacted both XXXX credit agency as well as Bank of America. Neither of them can fix the issue and I have no further options. The issue is that XXXX is showing a hard inquiry on my credit report and they are showing that Bank of America are the ones that pulled my credit report. I have never had any business or accounts with them. I called XXXX to get it removed and they told me I had to go through Bank of America. So I call Bank of America to get to the bottom of this and Bank of America can not pull up anything on me, using every piece of information I could give them. I DO NOT EXIST To Bank of America. I told them I needed them to contact XXXX for me and have inquiry removed from my report. Bank of America would have been happy to do so but told me they were unable to do so because they have nothing to start with to start any kind dispute for me. So I call XXXX back and tell them Bank of America has no information on me to even settle a dispute. I asked them to remove the inquiry from my report and they told me they cant do anything without a document from Bank of America saying that they didnt pull my credit report and that it is a mistake. And Bank of America cant send that document to XXXX because they have absolutely no information on me to generate a report and document. So I am stuck with a phantom inquiry on my credit report that neither XXXX or Bank of America can explain to me. So please I need your help in contacting these companies on my behalf to get them to resolve this issue for me. 

The date of the inquiry was XX/XX/XXXX I have contact both XXXX and Bank of America on the telephone on todays date XX/XX/XXXX XXXX
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/2021, My fianc, a signer on this account went to make a withdrawal in the drive through from his business debit card. He accidently gave the wrong card to the teller and withdrew the balance on the account unknowingly. Once we recognized the error, we immediately went to the ATM machine and deposited the funds back into the correct account. Due to it being after XXXX, the cash deposited into the ATM did not immediately post causing any transactions that were pending to create fees. When we went to the branch they would only refund {$36.00} instead of the {$140.00} that was taken out. Had the ATM machine posted the cash deposited the same day once the error was found, these fees would not have been incurred. I called customer service to try to resolve this and spoke with XXXX in " General Services ''. He also stated he was unable to refund me even though my account never drops below an average of {$4000.00} ( as you can track with the history of my account ). I am filing a complaint for these corrupt business practices and horrible customer service. I was told at the branch level that regardless of my account being in excellent standing, that I was basically " out of luck ''. This is poor customer service and basically theft.
Consumer complaint received 2021-10-12
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: HYUNDAI CAPITAL AMERICA (PA)

This tradeline is being reported after I have disputed more than 90 day ago. Pursuant 15 U.S. Code 1681 a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This account was open XX/XX/XXXX. I filled an FTC report on XX/XX/XXXX. Pursuant 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I am asserting my right against Kia Motors. This contract is fraudulent.
Consumer complaint received 2021-03-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

XXXX claims that they have refunded me and Bank of America claims they do not see the refund. Both companies blame the other and I as a consumer am left with nothing. 

On XXXX XXXX I paid {$570.00} to XXXX for XXXX XXXX Lover Fest tickets for an XX/XX/XXXX concert. 

Due to the Covid-19 Pandemic the concert was postponed. 

My order # was XXXX XXXX XX/XX/XXXX the concert was canceled by XXXX XXXX and XXXX emailed to say that they were processing refunds to all ticket purchasers. 

On XX/XX/XXXX I received an email from XXXX notifying me that on XX/XX/XXXX my Bank of America Visa card had been refunded {$570.00}. 

On XX/XX/XXXX I contacted XXXX again and was again told in an email that a refund was send on XX/XX/XXXX. 

As of today, XX/XX/XXXX there is NO refund. My bank refuses to dispute this transaction because the purchase date was in XX/XX/XXXX and shows NO record of a refund being sent EVER from XXXX and XXXX says they refunded it and it's not their issue. 

I have had {$570.00} stolen from me because XXXX DID NOT refund this. 

My bank advised for me to contact you.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

Credit Collection Services has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. I didnt know I was getting billed and there was anything due. I was charged incorrectly. 

Account information : Account number : XXXX, date Opened : XX/XX/2020, original balance : $ XXXX.Your company is committing multiple violations to the CCRA. Please read them carefully : Re-aging account. 
Reporting an incorrectly charged-off account. 
Unfair business practices. 
Failing to report correct last activity date. 
Negligence. 

This situation is very stressful and I am just asking for what is fair. I need you to take this matter seriously. I demand to get the account removed from all three credit bureaus. 

Please send the attached document to the company. 

Thank you.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TN)

Convergent Outsourcing, Inc. is trying to collect a debt that I supposedly owe XXXX XXXX, XXXX. I do not nor have ever had any services provided by XXXX XXXX. I have sent them a letter explaining that the debt is not mine and that someone did steal my information. I requested that they remove it from my credit report but that hasn't been done. 
Please help me get this situation resolved. 

Thanks in advance for your help
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TN)

I have XXXX consolidated federal student loan with XXXX XXXX XXXX XXXX but now there are XXXX duplicate accounts with double my actual balance reported to the credit reporting agencies from Mohela. This has decreased my XXXX XXXX by XXXX points. I have not received a response from Mohela.
Consumer complaint received 2024-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MN)

On XX/XX/XXXX, I applied for the XXXX repayment plan. Due to the terms of the plan, once I was on the plan I should not have accrued interest on my student loans. At this time, my student loan balance was {$190000.00}. 
Due to negligence on the part of EdFinancial, they did not process my application for the XXXX plan. It took months of back-and-forth communication ( during which it seemed that XXXX intentionally delayed communication ) before I finally got placed on the XXXX plan on XX/XX/XXXX. In this time, {$7100.00} of interest had accrued on my loans, bringing my balance to {$200000.00}. Had they processed my application in a timely manner, I would not have accrued any interest. 
After further back-and-forth communication, XXXX XXXX XXXX and XXXX acknowledged wrongdoing and told me that any interest accrued after XX/XX/XXXX would be removed. I was told this on XX/XX/XXXX and have documentation. As of today ( XX/XX/XXXX ), despite further attempts at communication and being told that the interest would be adjusted, the unjustly accrued interest is still present on my account. 
I feel I am being taken advantage of, and that XXXX in intentionally negligent in handling my application and adjusting the accrued interest because it is in their financial interest to do so.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-21
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. (FL)

I am a victim of identity theft and these fraudulent information reporting continue to damage my credit reputation and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. 
The FTC report number related with this complaint is XXXX including the fraudulent accounts. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/2020 i was victim of theft from my debt card for XXXX i called my bank next day to reported and cancel my debit card. Now i have a letter from Bank of America saying they will take back from my account that money because : '' Unfortunately, we're unable to approve your recent claim. I need help with that because i think is not rite i have to pay back that money when i am victim.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

The seller from PayPal shipped my item to the wrong address so I was supposed to be covered for that by PayPal 's buyer protection program but they sided with the scammer ( CASE ID : XXXX ). I checked the tracking information with XXXX and they informed me that the name and address on the package was completely different. But PayPal still sided with the scammer. PayPal misadvertised their buyer protection program.
Consumer complaint received 2021-03-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc. (MA)

On Thursday XX/XX/XXXX I picked up the phone when a representative from this company called me. She refused to answer even basic questions I had about what the debt or call was in regards to, was extremely rude, insulted me ( " good luck with getting out of debt '' ) and would not respond to my request to have something sent to me in writing per the FDCPA about what the debt was in regards too -- I had never received anything for the amount she was calling about and had no record of what the debt was about. 

Since then, I have been getting called three to four times a day from the number and when I answer the person on the other end hangs up on me. I have also received calls before XXXX ( XX/XX/2021 ). To me, this feels like very clear retaliation for questioning a combative and rude stranger who was attempting to get personal information about me.