davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (NC)

I took out student loans with Wells Fargo to help pay for my XXXX degree. After I graduated from school, I " paid off '' both of these loans upfront in full, single payments. Months later I get a notification from Wells Fargo stating that I was delinquent on my student loans. How could I be delinquent on student loans that I just paid off?? Their student loan practices are unethical. They are making money by nickel-and-diming me by using these hidden, unfair payment tactics. I never received any " notifications '' either about the " status '' of my student loans -- Wells Fargo said that they emailed them to me each month ; this is FALSE. I have never received any such notifications from them. They know my current email address, and I have yet to see XXXX single notification from them about my " unpaid '' student loans. This is fraudulent, unethical, and greedy. I borrowed money from this institution and paid it back in full, upfront. No partial payments involved, only complete lump sums. Why is Wells Fargo doing this?? I feel violated and taken advantage of by Wells Fargo. They have completely breached their fiduciary duty as a bank. I will be terminating my account with them tomorrow.
Consumer complaint received 2024-09-19
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. (WI)

I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has hurt my reputation, and I need your help. The mishandling of my credit information has greatly affected me, and the inaccurate reporting has caused serious harm to my reputation. It is essential that you remove these false details from my credit report.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NE)

I have sent a letter to Experian on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Experian, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Experian to investigate the erroneous accounts and have them corrected.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

Many emails saying that I applied for credit and they refuse to help find who was applying for credit using my information and committing fraud also they said I needed to pay them to give me information. Someone is using their platform to apply for credit with my personal information and my email address and I can not use my email to login as it says it does not exist although when trying to recover password says it does exist. Someone on the inside of Experian has breached personal informaiton and is misusing it. 

They refuse to find out who entered and how they were using my information or to contact those who made inquiries trying to apply for credit. They kept transferring me saying it was another department without regard to a breach in their own systems as XXXX creditor who emails me I called back and said fraud and they said they ggot the request direct from Experian so Experian is the center of all and they refuse to help or rectify things.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the accuracy and completeness of my credit report by Trans-Union. They have continued to state they can verify information and the pay history is not in chronological order on any of my student loan information XX/XX/XXXX and XX/XX/XXXX. 
They are not accurate. They are reporting according to the FCRA
Consumer complaint received 2015-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

you have an address on XXXX in XXXX texas and i have never lived in XXXX texas there is also an account for time warner cable on my report and i havent had XXXX i have lived in XXXX texas for about 2 yrs now and was XXXX for almost a yr prior to that and they do not have XXXX in XXXX also it says it was opened in 2014 that is impossible since i have lived in XXXX during that yr and can prove it
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (NY)

American Coradius International LLC is presenting a false claim that I owe XXXX {$56.00}. There is a surplus in my XXXX account and no money is owed.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

XXXX XXXX an investigation with XXXX concluded with deletion of theaccount " account XXXX the results are : this item has been deleted from the credit file .... '' today the account is reappeared, see my XXXX XXXX report included here along with thesept XXXX letter from equifax. 
there was no five day notice or certifcation from the creditor.
Consumer complaint received 2016-12-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (IL)

XXXX - I buy a car. 
My dad gives me his old car to use as a trade in, valued at {$200.00}. 
This apparently incurred a title transfer fee of {$170.00} of which I was unaware. Had I know this I would not have done so. 

I pay the full car loan off in full within 2 months. 

XXXX - I am informed of a fee I have n't paid now by a " Penn Credit '' collection agency, which is acting on behalf of the XXXX XXXX and has accrued approximately {$20.00} interest for being late. 
I was advised ( by family, perhaps unwisely ) to send this fee payment straight to the XXXX. 
I did. I have a scan of the check in my bank account, proof it was signed and cashed. 

XXXX - More paper in the mail now arrives from a " XXXX Attorney at Law '' and the XXXX claiming I ( or rather XXXX in this set of documents erroneously claiming me to be " XXXX XXXX '' --??? ) have to appear in court over this matter being unpaid, except now it 's again {$170.00} + court costs. Since I 'm tired of this, and do n't want to take a day off just to deal with it, wording says I can opt to pay the ( now ) {$230.00} dollars by XXXX XXXX of this year to resolve the matter and not need to worry about going court, so I paid Penn Credit on their site using the code they provided. I again have a receipt from the Penn Credit site with a transaction date of XXXX XXXX and payment to Penn Credit in my bank account on the XXXX. 

Later still, I CONTINUE to get mail that " I did not show up in court '' and " the fee is now {$290.00} '', as if no payment has occurred. 

I 've now spent {$430.00} for a {$200.00} price reduction on a car I bought and immediately paid off over 3 years ago. I 'm not paying anyone anything else. This is frustrating.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Be advised this is not request for validation. This account was never verified with a notice that XXXX # XXXXclaim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I am disputing the following information directly with them, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Consumer complaint received 2022-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC (MD)

My wife received a call on XX/XX/XXXX from XXXX XXXX from phone number XXXX claiming to be from XXXX XXXX XXXX. This company has no website. I found a XXXX profile that takes you to website XXXX ( XXXX XXXX XXXX ). We spoke and to XXXX and it all sounded fishy. She says Mediation from XXXX XXXX XXXX and that my pay is going to be garnished from a loan back in XXXX for {$1000.00} to a XXXX account but then offered a settlement for {$800.00}. When I asked for any documentation she said they do not send any documentation but I could contact the company " Checking into Cash ''. She gave me the original account number : XXXX. She claims they have 15 years to try and get these funds back. I informed her I was under the impression Maryland does not allow payday loans. We went back and forth and I told her I disagree with this entire " case '' she is presenting. 

I tried calling " Checking into Cash '' ( https : //checkintocash.com/maryland/ ) they will not answer the phone. I waited for XXXX minutes with the messages saying what queue number I was on XX/XX/XXXX. It got to position 1 and hung up saying it could not complete the call. Today XX/XX/XXXX I go an automated call from XXXX a person answered the phone and said they were from XXXX or XXXX something XXXX mediation. She asked why I was calling I said they called me, she said it was automated and immediately transferred me to the same lady XXXX. XXXX asked why I was calling I said they called me from some mediation company she said she didn't know who that was and it couldn't be right and after insisting I did not call she said this is XXXX something mediation for XXXX XXXX XXXX. She said this will affect me financially having my pay garnished. I told her I will gladly see them in court since no one will provide documents or answer the phone. More importantly on the checking into cash website it says right on the screen their services are not offered in Maryland so how could I have a loan from them? Also Maryland has a 3 year limit on debt collection and this was supposedly from XXXX making this just shy of 7 years given the date she claimed XX/XX/XXXX. More concerningly she had my full social and dob. I tried calling checking into cash again today XX/XX/XXXX spoke to someone that immediately transferred me to the hold line again, waited for the queue got to position one and again it hung up on me. 

I have never received any money from this company. 

Phone numbers used : XXXX, XXXX I believe this is a scam but if it is not for some reason- it is entirely invalid. There have been no letters or contact or anything on any credit reports or background checks which I have completed recently.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX
Consumer complaint received 2024-09-24
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NEW CITY FUNDING CORP. (NY)

This car was purchased in XXXX the day of the purchase we realized something was wrong with the XXXX  asked for a refund from the bank & dealership refused so we was forced to drive to keep it..two weeks after something exploded in the engine..I was stuck with a car payments, insurance and repair bill.I explained to car dealership what was happening they refused fix itaround XX/XX/XXXX I stopped working, due to XXXX XXXX I stopped and paying the car payments because car was still parked at shop, getting this removed has been very frustrating situation. the creditor refused to remove this off my credit almost 5 years later the car is completely payed off since and I no longer want this on my credit Report it affecting my financial health and my XXXX XXXX
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (SC)

Please see attached ID theft documentation which shows and supports the listed Inquires need to be removed as required by law within 4 business days of receipt. Also update Credit Acceptance Account Payment History to ALL Payments made on time since at no point was the account EVER XXXX days late.
Consumer complaint received 2016-01-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MI)

I have disputed the validity and the account status of a XXXX XXXX account several times with XXXX, Equifax and XXXX. XXXX completed a thorough investigation and found multiple discrepancies, which lead to the account to being deleted /removed. Very happy with XXXX. However, Equifax completed an inadequate investigation and only sent me a result that stated account verified/closed, charge off. They did not VALIDATE the account was mine. They could not provide an open date or payment history ( both of which I requested ), account info, nothing! Also, Equifax still reports the account open. Even though the account closed XX/XX/2009 and Equifax 's own investigative results determined that the account was closed, yet they still report as " open '' status with XXXX missed payments. Factually inaccurate reporting and inaccurate investigation. The same can be said for XXXX. I filed XXXX separate disputes with XXXX regarding this XXXX XXXX account, and I have yet to receive any type of correspondence from them. I have obtained new credit reports from each of the mentioned bureaus as recently as XXXX XXXX, and the XXXX account is still reporting factually inaccurate ( with exception to XXXX ), and I strongly feel that XXXX and Equifax have not met their lawful obligation to complete a full investigation into my disputes, nor have they complied with any of my requests to complete a thorough investigation.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AR)

For the last 3 years Equifax has reported that I only have XXXX accounts on my credit file. I have over XXXX accounts in good standing. I have called numerous times to get this corrected. And every time I called or send a letter. Equifax wants me to send them copies of my Id and a bill from my house. I have did this numerous times. A supervisor said my file was spilt, and Equifax error. This should have been corrected 3 years ago. Equifax is in violation of the FCRA
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I had a tax lein from back in XXXX, originally reported about XXXX. I have paid this lien ( XX/XX/XXXX, when i bought a house ). The XXXX court XXXX XXXX XXXX, FL ) shows it as paid. and on XXXX it is reporting correctly. I have talked with them and they say Equifax does not call, just goes on the court website and they do list XXXX documents, but they are not XXXX leins. XXXX is the original lein, XXXX is the payment notification from the IRS, and the XXXX is the release of lien. 
Equifax , on the other hand refuses to update the original lein to paid, even though I have submitted copies of the original lien, the payment, and the release. They state they must report all XXXX as public records and do so and mark them all as unpaid, which has dropped my credit score over XXXX points as compared to XXXX. I have filed XXXX onlline complaints and they refuse to address this oversight. I posted a comment / explaination to my credit file and they wont add it to the case either.
Consumer complaint received 2015-09-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MI)

Seterus mortgage XXXX has the XX/XX/XXXX 2015 mortgage payments shown as late and they have been reported to the credit bureas as such ... it is for loan # XXXX ... .numerous calls to them get NO response other than they say to contact the credit bureaus myself ... we have the confirmation # 's for the above mentioned months ...
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (PA)

American Express allowed 2 prepaid credit cards to be opened with my name, SS and DOB, the address, email and cell phone were different. I have been an active member in good standing with AMEX since 1997. The person used the cards to open up fake companies and commit fraud. These were brought to my attention because I was brought into a lawsuit for over {$2.00} XXXX. These cards should have never been opened, this is fraud that is simple to detect and AMEX should have picked it up if they had simple compliance controls in place. AMEX never notified me the cards were opened, I am on the website several times a month, no activity ever showed up. It cost me over {$40000.00} in legal fees and I have asked AMEX to reimburse my expenses, they have offered me {$5000.00}.
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

Have a state tax lien that is not mine I already disputed on the XXXX credit bureaus and called the franchise tax board and as of last week the clerk said the lien would be removed in 104 days and she verified the name of my ex husband and his address as I believe he is the one who committed this fraud XXXX XXXX XXXX