davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

I have attempted to request my complete full file disclosure, including the source of who provided my personal information such as address and dates, from all 3 bureaus but none of them will provide me with a full complete disclosure. They specifically said they will not be providing me the information of who supplied my address information or other information except for the account info. A file disclosure is not a credit report, but that is all they keep providing me every time I attempt to get my entire file. 

They will end up being caught red-handed as being the supplier of the dates on my address information but they keep telling me that it was supplied by my creditors. That is completely false and literally impossible ; the fact is they put their own date onto the " date reported '' as 9 years ago even though I haven't even lived here for a full year yet. If I need to find a new place then I can get totally screwed over by the information regarding my address history and I need it corrected the proper way instead of just putting random data on my credit report.
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

AD Astra Recovery Se has attempted to collect money, and has report bad activity on my credit profile. I do not owe AD Astra Recovery Se. This company has failed to present a sign contract between myself and AD Astra Recovery Se, along with proving my identity. Please remove this alleged account from all 3 credit profile.
Consumer complaint received 2024-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

Hello. 

I consolidated my DL loans with MOHELA XX/XX/2012. I started a 20 year graduated repayment plan. I received notification on XXXX from US. Dept of Ed stating that the loan servicer platform would be changing. The email also stated that the loan terms, conditions, interest rates, available repayment plans and progress toward loan forgiveness would not be affected. I then received an email from MOHELA on XXXX that the payment schedule for my loans have changed. Upon contacting MOHELA via phone twice, they said despite me being notified previously that loan terms would not change, since they can not increase the interest rate of my loans, they started the 20 year repayment over. Now instead of repayment ending in XXXX they have it where I repeat all payments and end in XXXX. 

I did not sign a new contract. I did not agree to term changes. It is unjust to start a repayment plan over in the middle of an already established repayment plant. 

I should have only 8 more years of repayment, not 20. 

I greatly appreciate your assistance in aiding the rectification of this error. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : I need my XXXX dispute claim to be reopen or reinvestigated or investigative again or make into a new dispute and investigate again XXXX {$100.00} Case number XXXX because I never got my order I was scammed and block on XXXX Date XXXX XX/XX/year> From account : ... XXXX Confirmation : XXXX and note for all my disputes I am asking to be reopen and reinvestigated if yall cant do it give me a XXXX time account credits for all my disputes amounts and my XXXX  banking XXXX XXXX my old account number is XXXX and reopen all the disputes on that account number XXXX thats I didnt win for and reinvestigated it or give me a XXXX time account credits for all the amounts etc.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (NV)

About a couple of months ago I saw that XXXX XXXX had replaced the status back on the website to make payments, Ive told them more then once I was not in good health and not working like I was, to this day I am still not working. I have my XXXX XXXX card with them as well and have been trying to get that paid off as much as I can but the interest rates are more than the minimum payment at times. They only kept that up on the website for XXXX month, when I went to try and pay even {$25.00} towards it they already pulled it down. And closed it once again. 
There messing up my credit thats a fact. They also sent me to collections now to Radius Global Solutions llc in XXXX XXXX. 
If I had the money I would be paying on the bill but again due to my health I am currently not working enough to even pay that fully off. What I bring in no one on the outside would be able to live off of it. So I am disputing the XXXX XXXX on my record they have really messed up my credit. And ever since I have opened up the cards to even establish credit it never went up even thought at the time I paid on time I paid it off or full they charged me twice before for XXXX  and I ended up paying on that twice. Which was XXXX and I disputed that second charge with them as well. So XXXX  XXXX is the worst credit card company ever they just XXXX people and the interest rates are extremely high. Again the collection agency they sent me to now is called radius global solutions
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correcXXXX XXXX XXXXXXXX Balanced : {$540.00}
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX please also add this to my complaint XXXX CFPB XX/XX/XXXX {$150.00} Withdrawal Claim number XXXX Status : Closed For more information XX/XX/XXXX {$150.00} Withdrawal Claim number XXXX Status : Closed For more information XX/XX/XXXX {$100.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX CARD XXXX Claim number XXXX Status : Thank you for your patience. After careful review, your claim has been declined. 
I need the two withdrawal to be reopen or appeal or reinvestigated or investigate again or make into a new dispute because for both I have withdraw {$50.00} for both of them not {$150.00}. And for the {$100.00} XXXX I need it to be investigative again or appeal or reopen or make a new dispute for it ir reinvestigated again because I didnt get my service I was scammed and blocked on social media by the scammer and I contact XXXX but they denied my claim because it was family and friends XXXXXXXX payment I sent them not using the service and goods with the purchase protection they told me they cant reopen the dispute or change the dispute type I didnt send it with services and goods with purchases protection and they told me to dispute it with my bank please contact me at XXXX and contact me at XXXX my online bank username is XXXX
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (GA)

I requested and received a balance transfer from Wells Fargo. The account the balance transfer was suppose to go to towards my XXXX XXXX XXXX, XXXX. Account # XXXX in the amount of {$2500.00}. Instead it went to XXXX XXXX XXXX XXXX, XXXX, which I did not have an account. 
Through my own research discovered it was an collection agency. I had no accounts in collection. 
I appealed twice through Wells Fargo. Both denied. So I have been paying back on an account that never belong to me since XX/XX/2022. 

The minimum due was {$25.00}. Although I hated paying it, I could. Most recently the minimum due has gone to {$72.00}. I can not do that and I need help getting this corrected and my money back. 
The Wells Fargo account is XXXX. I have never used this account only paid on it. This is an error that has not been corrected. 
Please help.
Consumer complaint received 2024-06-28
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. (UT)

Your efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason, I request that all the inaccurate accounts below be updated immediately : XXXX XXXX XXXX XXXX Balance : {$260000.00} & XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 2019-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

I bought a car at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. I spoke and worked with XXXX XXXX Sales Associate, New Vehicles, Tel : XXXX. 

XXXX sold me a set of services that I did not need and I canceled them the next day. He was out that day so we emailed and I spoke whit his supervisor - XXXX   Whom emailed me letting me know that the services had been canceled. 

In discussing a different issue with the Lender- Wells Fargo- I found out that the services where included in the loan and that the XXXX  dollars I had paid to the dealership had not been applied to the loan. 

I have emailed, phone and try to talk to the folks at the dealership but they are unresponsive.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Red White and Blue Autos, Inc. (PA)

I disputed this account cause I found an error and my results it was deleted off my report. I monitor my credit report and I see that it is reopened when it shouldnt be after it was deleted. DATE OPENED XX/XX/XXXX. DATE CLOSED XX/XX/XXXX And DATE REOPENED XX/XX/XXXX. It was once deleted and reopened on XX/XX/XXXX 2024
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-08-09
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: Experian Information Solutions Inc. (FL)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00}.
Consumer complaint received 2024-06-11
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. (TN)

I recently pulled a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These inaccuracies have been detrimental to my personal life and credit health.
Consumer complaint received 2024-06-11
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. (PR)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX account number XXXX
Consumer complaint received 2024-07-22
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

The company has not applied monies accurately to my account. 
On XX/XX/year> I settled with the company for 25 % and not 40 % which was inaccurately stated by XXXX. 

The settlement balance were calculated inaccurately at 26 %. ( Letters attached ) As a result 3 loans XXXX, XXXX, XXXX were overpaid and monies were no applied accurately to XXXX. 

On more than 5 occasions I was advised that these loans were fully paid only to here upon inquiry that loan XXXX still has a balance. 

I have attached copies of the letters and calculations that should have been on these loans.
Consumer complaint received 2024-06-12
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation (PA)

I had a vehicle I used as collateral on a loan with OneMain Financial. On XX/XX/year>, my vehicle was stolen and the local police found the vehicle crashed. The incident was reported to OneMain Financial. An insurance claim was filed with XXXX XXXX at that time. Before the insurance check was to be issued, I received from XXXX XXXX that I would have to take the vehicle back into my possession as owner and that the check would not be issued until I signed a notarized document with OneMain Financial releasing them of being a lien holder. I then signed the release and was expecting XXXX XXXX to forward the insurance to me since I at that point became the owner of the vehicle and OneMain Financial was no longer a lien holder. I then received a letter from XXXX  XXXX that indicated that a check in the amount of {$7400.00} was included in the settlement letter. However, no insurance check was present with the letter. Instead XXXX XXXX forwarded the check to OneMain Financial without my permission and preceded to apply it to the loan I had with the company. I have been in communications with XXXX XXXX, as well as OneMain Financial for the better part of a year attempting to get them to return the check of which I was entitled since OneMain Financial was no longer the lien holder. OneMain Financial continues to contact me by phone and also by text in attempt to continue to collect on the debt. I answer the phone calls each time and when a representative answers the phone, they do not inquire about any loan payments, but instead will say nothing over the phone, but just hold the line open and then disconnect. This is a form of harassment for me. They also send me text messages indicating if I have tax refunds to contact them to pay off the loan. I have yet to have any loan amounts owed reported to my credit report. It is as if the loan does not exist. Before the incident with my vehicle being used as collateral with OneMain Financial I was a customer paying my loan payments back in a timely manner. Then OneMain Financial took the insurance check and refuses to return it as they no longer had a lien on my vehicle which did not entitle them to keep the payment, but the insurance arm of the company, XXXX  XXXX diverted the check and sent it to their loan company OneMain Financial without my permission.
Consumer complaint received 2024-08-07
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. (MN)

XXXX USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX
Consumer complaint received 2024-08-07
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-08
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)

I requested to correct the inaccurate accounts which another credit reporting agency found to be inaccurate and had already corrected. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update/correct the following accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. 
XXXX XXXX Balance Owed : {$540.00}, XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 2023-11-06
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. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX