davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (IL)

I recently purchased an insurance product. The insurer offered several options for financing, including Truist Bank. I then selected Truist Bank for the financing. I did not know it when I entered into the agreement but Truist owns a company named XXXX, which services loans. Importantly, Truist never directed me to make my monthly payments to XXXX. 

On XX/XX/2024, I made my monthly payment to Truist in the amount of {$140.00}. Thereafter, on XX/XX/2024, Truist was paid an additional {$290.00}. I don't have any recollection of making the XX/XX/XXXX payment and think Truist may have simply taken the funds. 

On XX/XX/2024, I received a notice of cancellation from XXXX. Based on a loan history provided by XXXX, none of funds sent to Truist were forwarded to XXXX for processing. To avoid cancellation of my insurance I had to pay {$290.00} on XX/XX/2024. 

In the meantime, no one at Truist will help me track down the funds I sent to it in XXXX.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (FL)

Mohela and Department of Ed is reporting a wrong loan balance they are reporting XXXX and last I check I owed only aboutXXXX. In addition they are not reporting my payments instead they report it to credit as unavailable. They also say I only had account open XXXX  years and not accurately reporting this
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: The Aligned Company DBA Extra (FL)

Hello your company is furnishing incorrect information, your company report late payment. Its actually goes against FDCRA 15 USC 1666B ( A ) TIMING OF PAYMENTS ( 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.
Consumer complaint received 2024-06-03
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. (CA)

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that it was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates, XXXX XXXX im now requesting you to investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action.
Consumer complaint received 2023-02-26
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. (CA)

I was referred to this credit union and applied for an installment loan. I filled out all the information and provided documentation accordingly. The account was approved and opened. Later in the day before any funds could be used the account was locked and I was notified. The bank manager reached and said the account couldnt be opened and funds were t able to be used. About a year later I started seeing missed payments from this account. I had never used this account to have a missed payment because it was closed upon opening. So I disputed the charges and account. It took a while but they later updated the account, but still was the wrong information. This is hurting my credit significantly because its reporting that payments are being missed and have a continued balance. I have since, reached out again and no response. I feel I am a victim of fraud and they are going against my rights
Consumer complaint received 2024-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (OR)

Due to an car accident, I went in personally to my Wells Fargo bank branch to inform them that I would not be able to receive letters or phone calls due to me needing XXXXXXXX XXXX XXXX XXXX XXXX, and I would be undergoing XXXX XXXX The banker, XXXX XXXX told me that she could set up my auto payments above my monthly due amount, so then I will not be in trouble a couple months later when I return home, fully recovered from XXXX XXXX  and ordeal of my XXXX  I looked in my mailbox and I saw letters that my account was not delinquent because I did not make any payments. I tried to go to the branch but the branch shut down and I called Wells Fargo on XX/XX/XXXX I submitted claim dispute to review my case nobody had ever replied to me. I constantly called out constant collectors, called me. I tried to make payments, but I did specify that I need to speak to somebody because this was at no fault to me and I was willing to pay, but I want to take away some fees because XXXX XXXX XXXX XXXX XXXX, and the banker did not do as promised by by and contacting me, I saw making payments because nobody was trying to help me. I called again and I was informed and nobody had touched my case this past XXXX so then we submitted another case and then that case resulted in the saying that they did not see any arrangements made Since its XXXX when I stopped auto payment to do to me not using my credit card As often to make payments, and there was nothing they could do because the branch was closed so then I escalated my complaint and investigation to a higher division of the collection department of Wells Fargo and they were only able to remove {$100.00} of late fees, but they had sold my debt to a deck collector without my knowledge I am willing to pay, but because this was not my fault I was in the hospital due to an accident, and I was promised as a consumer that they would do my auto payment and that was not done now I am being held responsible. They are not willing to help me the credit Collection agency is not wanting to send me any letters that Im requesting to justify or explain or even the evidence that they have. The agent at Wells Fargo said that well, it was my fault and that there is no excuse that I was sent letters, even though I had explained that durinXXXX XXXX XXXX XXXX XXXX XXXX  and I said the hospital that I did not have access to my mailbox nor did I have family members to pick it up and not only that but my apartment complex mail is sometimes compromise so sometimes I did not get those letters after my return back home from XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (CO)

I was a victim of check fraud.. I was told I was approved for a loan but I would have to. Pay to fix my credit and the company would provide the fund to assist. So I didnt have to come out pocket but that my XXXX  score would go up. Then the funds came in to pay to fix my credit the bank froze my account for check fraud and they emptied my saving account and checking account.their checks bounced back and Key bank took my payroll check from XX/XX/year> and my saving to cover the return pmt and left me with no money and told me I was not getting nothing back and my account is check fraud Those check where not mine nor did I deposit them.they close the account
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (GA)

I had a few accounts open and git behind on some payments. The companies that are contacting me about the payment, I never signed up for or agrees to pay them anything. I get repeating calls, text messages, and emails, reporting to the credit bureaus. Credit collection services is the name of the company and I don't know the name of the other companies.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2024, I made a payment of {$2000.00} to my XXXX credit card with Wells Fargo theough WF 's portal. Typically, the funds are immediately available and so that is what I expected. However, when the funds were showing as unavailable, I called the number on the back of my XXXX card and I was told the funds would be available the next day, which was also my final day to pay my rent without a late fee being accessed. The next day the funds were still not available so I called again and I was told that there was a hold on the payment and the matter was escalated. The next person told me that they would send an email to the appropriate department requesting the hold be removed and I would get an email on the decision within a few hours. After about 6 or 7 hours, I had received nothing so I called back in and asked to speak to someone in that same escalated department. The gentleman was very rude and he told me that WF should not even be handling my call and they were doing me a favor by taking my call and I actually needed to be calling XXXX directly. I explained that I called the number on the back of my card and he then gave me another number which ultimately brought me back to WF again. At this point, I spoke with a supervisor that explained to me that a possible reason for the hold was a returned payment. In XXXX, I was transitioning to another bank account and I accidentally chose the wrong account to make my payment from. Once I realized the mistake, I immediately corrected it. Once she told me that, I was more understanding of them wanting to verify the funds but I never recieved an email requesting the verification so I ended uo with a late fee being added to XXXX 's rent. The funds would become available 4 days after my initial payment. On XX/XX/XXXX, I made another payment through the WF portal for {$1000.00}. As of XX/XX/XXXX, the funds are still unavailable and I am now being told there is a 15 day hold on the payment. I was told that if I opened a WF checking or savings account there would be no hold but since I'm paying from an outside bank there is a hold. Even when I went into a WF branch and made a payment to the card using cash, the funds were still not available until the next day. I declined to open an account and reached out to their executive team as suggested by their customer service rep. I was then told it could take up to 30 days for someone to get back to me, and I still have no explanation how the hold went from 4 days the first time and now to 15 days.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I am requesting that the credit Bureaus investigate and correct the items on my credit file that I believe are inaccurate and incomplete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-02
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. (CA)

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 In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-02
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. (TX)

I request please that you reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.
Consumer complaint received 2024-06-02
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. (IL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2019-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Shellpoint Partners, LLC (MA)

Despite me calling them back and requesting my number be removed, they have not. THIS ISN'T EVEN FOR ME. It's for some XXXX lady. I even told them that there's no way they'd be calling for me- I HAVE NO DEBT. 
They call every single day, sometimes repeatedly. If the number is blocked by XXXX they use a different number! 

STOP CALLING ME! I'M NOT XXXX!
Consumer complaint received 2024-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I was with Mohela as I am working toward PSLF. I made 2 payments in XXXX of {$1000.00} each. There were notices that there'd be account transfers but no set dates I did not request a change in service or account management this was initiated by Mohela. On XX/XX/XXXX I paid {$1000.00} and my balance was correct on the old mohela site. On XX/XX/XXXX I sent another {$1000.00} and my balance again updated correctly to {$24.00}, XXXX After making that last payment in XXXX I had been unable to log into my mohela account and received a pop up that my loan was in the transfer process. I was finally able to long in on their " new '' platform and my loan is now {$26000.00} and I can't log into my old one. I never received statements from them and I want to know how or why my balance increased by XXXX and why I am no longer allowed access to my old account so that I can SEE previous balances. I should not be subject to any fees and what I have paid has been above requested monthly payments so this should not be compounded interest either.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (IN)

I prepaid for a XXXX year membership at XXXX XXXX in XXXX XXXX, Indiana. It was for {$400.00} on XX/XX/2021 on my XXXXXXXX XXXX. I have the bill showing it was paid. Now I get a bill saying I owe money. I've called Aldous and associates who are trying to collect this @ XXXX. They have no information for me and referred me to XXXX. I called XXXX and they said it was sent to debt collection. I asked to speak to a XXXX and they said they can't help me. I was recently hit by the XXXX, In tornado and have been trying to rebuild. My phone was recently replaced but don't recall seeing anything from XXXX about collection. 
I checked at the front desk multiple times verifying when my membership was ending. Due to overcrowding of the equipment and people and with how many times things within XXXX was shutdown for repair I decided to go someplace else. Multiple times the movie room was down, pool down, equipment down, tanning down, b- Ball goal bent and nets not replaced, ect... This was a constant issue over past year. I voiced my concerns multiple times as well did others I knew. 
I don't know why I'm being charged. My debt was paid in full when I signed up.
Consumer complaint received 2024-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

MOHELA changed my payment plan without my consent. They also billed me with one day notice not the 3 week notice. My loan was being transferred to the new site and they sent me a bill before I could even log on because it was still not fully transferred. 

Today they sent a letter saying my payment plan had been changed, but I never initiated a plan change and I did not consent to this. 

They removed my SAVE plan just so they could charge me more. My bill will go from {$200.00} to over {$1500.00}! 

I need my SAVE plan restored and not for MOHELA to freely change my payment plan without my consent. I see this has happened to numerous other people as well.
Consumer complaint received 2024-06-02
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. (GA)

There is a collections company by the name of XXXXXXXX XXXX XXXX XXXXXXXX who has been calling me for the last two years regarding a debt for a school named XXXX XXXX XXXX XXXX. Stating that I owe them Money for XXXX. Which that is incorrect. I have no knowledge of this and I asked the collections agency to provide documents to show proof this is my account and I have yet to receive it. They are XXXX  my credit report by making derogatory remarks and its effectively damaging my credit. They have been harassing me for the last two years saying they are going to garnish my wages and suspend my license if I dont pay. I have spoken to the school and still nobody can give me an answer but yet its on my credit. I have fraud alert on my credit for years because I am a victim of identify theft. I just need this to be resolved quickly because this is hurting me and my credit and its been very hard for me to try and get a house with this on my report and especially when I have No proof this belongs to me.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WHEELS FINANCIAL GROUP, LLC. (NC)

I have check my credit report and I have tried to call these companies to get these inquiries off of my credit report. I did not authorize these inquiries. 

XXXX XX/XX/XXXX inquiry date XXXXXXXX XXXX XXXXXX/XX/XXXX inquiry date XXXX XXXX XXXX XXXXXX/XX/XXXX inquiry date
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (NY)

The following accounts were charged off. Upon reviewing my current credit report, the accounts have been repeatedly updated as a charge off every month. My understanding is that charge offs should not have an active payment history. This is not legal as it unfairly manipulates the statue of limitations. Ive disputed this multiple times with XXXX and Equifax and they have not responded nor removed the accounts. One account in particular XXXX I paid it off but then in XXXX of XXXX they updated the account by adding late payments made in XXXX which dramatically reduced my credit score. The account was closed but when I sent them a dispute letter they added late payments from XXXX. XXXX should not have went in a closed/paid off account and added late payments from XXXX. 
I am requesting that the following accounts be deleted immediately : XXXX Acct # XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX