davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> Request for Removal of Inaccurate Collection Account from Credit Report I am writing to dispute and request the immediate removal of an inaccurate collection account from my credit report. The collection account in question pertains to XXXX XXXX, which was inaccurately reported as a debt of {$42000.00}. 

XXXX years ago, I applied for a consolidation loan with XXXX XXXX, and subsequently agreed to refinance my loan with another company that claimed to be affiliated with XXXX XXXX. Despite making monthly payments between the first and fifth of each month as agreed, it has come to my attention that XXXX XXXX never received any of these payments. Upon discovering this discrepancy during a credit report review in XX/XX/year>, I promptly contacted XXXX XXXX to address the issue. 

After uncovering that the company I had been paying had not remitted any payments to XXXX XXXX, I immediately terminated my agreement with them and resumed direct payments to XXXX XXXX. I have consistently paid the monthly installment of {$550.00} to XXXX XXXX since then. 

The collection account resulting from this misunderstanding is unjustified and damaging to my credit report. I urge you to investigate this matter further and expeditiously remove the inaccurate collection entry attributed to XXXX XXXX. This collection account is a product of misrepresentation and fraud, and its presence on my credit report is misleading and harmful to my financial standing. 

I kindly request that you conduct a thorough review of this situation and take the necessary steps to rectify this error by promptly removing the inaccurate collection account from my credit report. Attached is the now terminated agreement with the financial institution who was to assume responsibility over the debt previously that cause this discrepancy. 

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of this erroneous collection account from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I was awarded {$7500.00} from XXXX, the Pennsylvania XXXX XXXX XXXX XXXXXXXX under a program called the XXXX XXXXXXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX It was meant to help pay for student loan balances for XXXX  who worked for nonprofit organizations during the XXXX XXXX. XXXX sent the funds to my student loan servicer, Nelnet, in XX/XX/XXXX via electronic funds transfer. Nelnet has not credited my account with the funds despite me calling them many times. I have been told many stories. First they told me that there was no account number attatched to the funds and that they would have to wait 30 days to make sure noone else claimed it. The 30 days passed and when I called multiple times to see why they still haven't credited me, they said on multiple calls that they are just behind and that's just how long its going to take. I called XXXX last week on XX/XX/XXXX, to see if I could get additional information or if they could intervene. They said that Nelnet sent the money back to them and that they can only send it back to Nelnet if Nelnet requests it. I called Nelnet and asked them why they sent the money intended to be applied to my loan back to XXXX, especially when they knew that I had been calling about it. They did not have any answers. They put me through to XXXX in resolutions who said that he would file an investigation. I keep calling and they still have no answers and the money has not been applied to my loan balance.
Consumer complaint received 2017-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America was contacted in XX/XX/XXXX by me requesting closure of my account. At this time I discovered monthly maintenance fees had been applied to my account for several prior months. I requested a refund of these fees as they were unexpected and I no longer used the account. I was informed that I would need to leave the account open and also wait to receive a call back from a manager in order to contest the charges. I did not receive a return call, and by the time I recognized the error, 3 more maintenance fees had been applied. Bank of America representatives refuse to refund any more than 2 of the 10 maintenance fees assessed. 

I consider none of these fees to be valid. I consider the addition of fees after an account closure request to be unethical, failure to return contact as promised to be irresponsible, and the resultant costs to be entirely the fault of Bank of America 's errors and ethical failures.
Consumer complaint received 2017-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America fraudulently opened a checking account to someone using my name and social security number on X/XX/17. XXXX Bank of America made two fraudulent " hustled car loans '' on XXXX XXXX, 2017. One in the amount of {$61000.00} and the second in the amount of {$79000.00}. In all these transactions, a valid state form of identification was not produced, there was no income verification, no correct address associated with my name given, no phone numbers associated with me given, and no current place of employment provided. Bank of America refuses to disassociate my name with the loans in their system and has not in any way addressed the status of the open checking account. They indicated to me via phone that their were numerous red flags associated with these hustled loans.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

CFPB Complaint to Experian Subject : FCRA Violation & Inaccurate Address Reporting Linked to Fraudulent Activity Dear CFPB, I am writing to file a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) and US 15 1681e Compliance Procedure regarding inaccurate address reporting linked to the name XXXX XXXX on my credit report. My legal name is XXXX XXXX XXXX, and this misspelled name is incorrectly tied to fraudulent accounts and addresses. 

In particular, Experian has associated this error with an account from XXXX. The Address ID connected to this issue is XXXX, and the report number is XXXX. I contacted Experian on XX/XX/year>, attempting to speak with a U.S.-based agent. I was transferred but was informed to call back during normal business hours despite calling at XXXX XXXX PST. 

I have previously disputed this address, along with a police report due to fraud. Experian, however, continues to mark the fraudulent address and accounts tied to it as verified, stating : " That reason can't be processed online. This Address was reported to Experian by XXXX. Please contact the company to verify that they have your correct address. '' I request that Experian immediately remove this fraudulent address and all related inaccuracies from my credit report and take corrective actions to comply with the FCRA and US 15 1681e. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-08-01
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. (CA)

XX/XX/XXXX- Emergency Room visit.
XX/XX/XXXX - ER bills my insurance company for XX/XX/XXXX ER visit ( {$590.00} ). Claim processed and paid.
XX/XX/XXXX - ER bills my insurance company AGAIN for same XX/XX/XXXX ER visit ( {$590.00} ). Claim processed but NOT paid while insurance investigates duplicate charge.
XX/XX/XXXX - ER sends the second/duplicate claim to collections in spite of obvious billing error.
XX/XX/XXXX - Discovered duplicate claim/bill went to collections during the process refinancing a loan. Contacted XXXX XXXX XXXX  to resolve. Paid account in full because I could not afford to have a open collection account on my credit report while applying for loan.
XX/XX/XXXX - Discovered the New York Attorney General Settlement/Credit Reporting Agencies Agreement ( see below ) III. AFFIRMATIVE OBLIGATIONS AND PROHIBITIONS A. Data Accuracy and Quality 3. Medical Debt Collections c. The CRAs shall implement a process designed to remove or suppress known medical collections furnished by Collection Furnishers from files within the CRAs respective credit reporting databases when such debt is reported either as having been PAID IN FULL by insurance or as being paid by insurance.
XX/XX/XXXX - Faxed proof/supporting documentation from insurance company to XXXX XXXX XXXX  indicating original bill was PAID IN FULL by insurance and the that the second/duplicate claim was due to a a billing error. In spite of this I was told that it still would not be possible to have the account " deleted. ''
Consumer complaint received 2017-08-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (ME)

Had an auto loan with wells Fargo in 2009. Hit some hard times as a single father after I was left by my son 's mother. Tried to work with the bank on making payments. Every month I would call in and talk with wells Fargo. It was to the point the only payment option was to   XXXX   XXXX   the money in. I called in to let them know I was just getting out and had to go home to get the cash to pay up the account and do the next month in advance. The rep on the other end told me not to bother making the payment. They would be taking the car back. I asked to talk to a supervisor and was told I could n't. Said I was making the payment ether way. I drove home took 30 minutes. Not even 5 mins after getting there the tow truck showed up to pick up the car. Talked to the driver he told me to call in. Second call of the day told the woman on the other end what I had already told them before. Even told her to ask the driver how much cash I had in my hands at the time about 2000. She talked to the driver for just a min and they took the car. After that made attempts to call in to resolve the past due balance the only thing they would take was the full balance. I told them it was n't possible and that I had the past due and the next month 's payment and they refused to take it or allow me to go make the payment. Said that if they would n't take it then them taking the car back would be the end of the loan. They sold the car for just  XXXX . Now over the past six months I have been trying to deal with the same loan. They have now been sending court documents and other things to my old address I have made multiple attempts to contact the lawyers office to only get voice mail. Have given my new address every call still they have n't changed anything. They even garnished my wages from my last job. Now the balance owed was over 11000 and they have took over 1500. I feel I have been blocked at every turn from the loan payments to the court orders and judgements in their favor as I was unaware of several court dates due to the lawyers repeated refusal to talk to me or update their files.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On  XX/XX/XXXX  my wife & I went to Bank of America (   XXXX   XXXX   XXXX   XXXX  ,  XXXX  WA ) to close our account. We were told to close our account, we would need to withdraw all of our money, then call their customer service number and instruct them to close our account. We did this and were told our account was then closed.
On  XX/XX/XXXX  an automated charge went through. Since it was pending, Bank of America automatically reopened the account. That has caused more funds to be drafted from the account and they have levied fees against us.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

On X/XX/17, Wells Fargo wrongfully charged an overdraft fee in the amount of {$35.00}. Upon viewing my checking account 's balance just that morning, there were more than enough funds to cover the charge that they are claiming incurred this fee, which was {$61.00}, paid to XXXX. When I point this out to them, they blame me and refuse to correct their mistake. Please assist.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

XXXX XXXX sent me a collection letter on an account that was closed two years ago. The original company electric, XXXX XXXX went out of business and was transferred to another company. When the service was transferred, I had no balance. I have since moved and today I received the collection letter saying I owed XXXX. I contacted XXXX XXXX and they said they did n't know why a collection agency was contacting me as I had a XXXX balance. I know this seems like an insignificant amount but I use XXXX XXXX XXXX to finance my education and I can not have any type of collection or adverse credit marks on my report.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Hello, It appears that the credit bureau is still reporting account listed as XXXX ( XXXX XXXX XXXX ) as open. Account has a XXXX a balance and company agreed after refund and acknowledged errors to report as " paid as agreed '', or to remove all reporting of the item from all consumer credit reporting agencies. Thank you. XXXX XXXX
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (IL)

I have spoken with XXXX XXXX/comedity bank and per the manager they have been reporting my balances correctly to the credit reporting agencies every month. I have been sending letter to all 3 credit  reporting agency letters every month since XX/XX/2020 to update my balance on my XXXX XXXX   account but still has not been updated since XX/XX/2020. The balance is incorrect
Consumer complaint received 2017-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (SC)

This company is continually calling my office : Atlantic Credit & Finance , Inc . XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXXXXXXXXXX If I am ever going to have a chance to pay off debt, I need this job. I need to have this stop immediately, can you please help before I get fired.
Consumer complaint received 2017-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

Santander charges high interest rates and daily interest charges and other fees for each day you 're late on a payment. I have paid in 2 years over {$8000.00} that has just gone to interest and nothing to the principal. The vehicle is now worth {$6000.00} and their payoff quote was for {$22000.00}. Their fees are astronomical.
Consumer complaint received 2023-07-06
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: EQUIFAX, INC. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have been a victim of identity theft my credit file is currently in the Office of Consumer Affairs as Equifax calls it I spoke with a gentleman today by the name of  XXXX  who refused to follow up on my identity theft disputes and I have sent them documentation well over 15 times credit file has split and he hung up on me and refused to assist me this is affecting my life. And Equifax Office of Consumer Affairs is a joke another way to make money off of using erroneous and incorrect information that reports to the file.
Consumer complaint received 2017-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Delta Management Associates, Inc. (VA)

I originally borrowed approx {$8500.00} through a loan process ( they report it was closer to {$10000.00} ) for my son about 10 years ago for his first year as a XXXX at XXXX.. Did n't have to pay back until he graduated. He dropped out instead. I paid for several years but after a series of misfortunes, moving out of state for a better job, going through a separation, losing my job ( company closed ) then losing my XXXX yo daughter, I let the loan lapse. It has been bought or sold or changed hands to other loan companies ( XXXX for one ) and now they say the loan is approx {$25000.00}.
They made a deal with me last year if I would pay $ XXXX/mo for 9 mos we could get it out of default status. I agreed. But did n't agree with the total owed and indicated that on the form before I signed. They are now saying it did n't count because I wrote on the form. They want to try that again but I MUST agree to the amount they say is due. I know once I sign the agreement I WILL owe that amount ; I 'm afraid then it can be proven then that I do owe that amount and agree to it. I do n't want to do that.
Now I 'm told their next step is to garnishee my wages. I am tired of this and want clear unbiased options and want to know what my rights are in regard to this- its been a nightmare and I need objective viewpoints and direction.
Consumer complaint received 2022-10-27
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: National Credit Adjusters, LLC (MD)

National credit adjusters agreed to accept my settlement payment and remove information from my credit report 30 days upon final payment. This information is still reflecting on my XXXX and XXXX credit report. XXXX has removed the information after requesting deletion.
Consumer complaint received 2017-08-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

XXXX XXXX ( EST ) XX/XX/XXXXI received the response to my previous complaint XXXX Paypal Holdings engaged in partially releasing my payment held by them. As I tried to add my bank to withdraw the remaining held payment $ XXXX- their online system refused to let me do the needful.
XXXX XXXX ( EST ) Then I called Paypal and spoke to their representative XXXX who stated that I wo n't be able to withdraw funds before XXXX XXXX 2017.
Once again this is misleading and reprehensible information. They did release {$630.00} but they are obstructing me again for the remaining amount. The total amount according to my original complaint was {$1000.00}. 23 They chose to ignore my complete relief and continued to violate my rights as finance consumer.
I think it 's time CFPB must engage in a collective effort to discard such practices permanently from the US finance market.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested credit reports on line from all three major bureaus, XXXX, XXXX, and Trans Union.  XXXX and XXXX responded properly. Trans Union said it could not provide my report and I must request it via XXXX, which I did. It then responded that it could not verify my address and asked for two pieces of proof, which I provided. It then responded that my report is " suppressed. '' I believe this attempt to avoid providing my report to be a violation of the Fair Credit Reporting Act and am requesting any assistance you can provide. Thank you.