davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
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. (CO)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

On XX/XX/XXXX, paid {$15000.00} to EdFinancial Services, my student loan service provider. The bank information was all correct and I had sufficient funds in my bank account to make the payment. The portal shows I made the payment on the XXXX, followed by a line that says " Payment Reversal '' on the same day. They did not notify me that the payment was reversed nor did they give a reason for the payment reversal. This means on XX/XX/XXXX, I was charged interest on {$15000.00} MORE worth of loans than I should have been. I had tried to contact EdFinancial Services to see why this happened and they have not responded for over XXXX weeks. I believe they knowingly reversed the payments of many people who attempted to pay before the XX/XX/XXXX forbearance ending in an attempt to charge more in interest payments from student borrowers.
Consumer complaint received 2024-09-08
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (OH)

Company -XXXX  Date - XX/XX/XXXX Amount - {$10000.00} I did not give this company authorization to report this collection to my credit report, this violates my privacy rights under the Privacy Act of 1974 this fraud. 

I took action by asking the company to send me information on this collection debt in a form of a letter still no action taken on behalf of XXXX.
Consumer complaint received 2024-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (IL)

reviewed my consumer reports and I noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. I have never been late on payments for this account that I have included a screenshot inside this complaint on dates of ( XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I emailed XXXX XXXX XXXX XXXXXXXX XXXX about the account and I got a call from one of the representatives ( XXXX id # XXXX ) who in the department and they said they dont have the account information in there system. I asked for a letter over the phone and they said I couldnt get a letter and to dispute it with the credit bureau. I tried to but they keep updating it with inaccurate information and I want the account deleted.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2024 someone opened a flexible spending credit card account with XXXX card services under my name. They charged {$38000.00} on this card. It was reported as late payment on XX/XX/2024. The account was closed on XX/XX/2024. It has made my credit score drop on XXXX, Equifax, and XXXX over a XXXX points as payment is listed as overdue. I have contacted XXXX ( ( XXXX ) XXXX ) directly and they concur that I never opened an account with them. I only found about this when I checked out my credit score recently. I do not know the account number as it wasnt listed with the rest of info on my XXXX credit score monitoring service. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX Bank is reporting that I was late on my payments for XXXX days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to XXXX, Equifax and XXXX, for the past XXXX ( XXXX ) months, regarding the inaccurate information they are reporting, on behalf of XXXX XXXX, about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over three letters asking to validate debt and providing letters with proof of missed payments but nothing has been resolved. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is closed and XXXX XXXX has sent me checks because I overpaid the account. 

I received a statement from XXXXXXXX XXXX for XX/XX/year> with a statement balance {$380.00} that was due XX/XX/year>. A payment was made on XX/XX/year> for an amount of XXXX. Payment was processed and accepted. 

My XX/XX/year> statement had a balance of - {$37.00}. They may be reporting I missed a payment because I did not have a balance to pay but I should not have a low score because I paid my bill balance. Look forward to this being rectify.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

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 uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Violation of 15 U.S.C section 602 A rights to privacy and Section 604 A that credit agency can not furnish information without my written consent. Inaccurate information from credit acceptance that the credit bureaus stated was properly investigated but all information with all 3 is incorrect. This includes dates, account responsibilities and address or creditor that is reporting information.
Consumer complaint received 2024-09-06
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 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
Consumer complaint received 2024-05-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A. (IL)

I am writing once again to express my ongoing frustration and dissatisfaction with the processing of my hardship requests by PNC Mortgage. Despite my previous complaint and efforts to resolve this matter through provided channels, it appears that the same issues persist, undermining my trust in your processes. 

I submitted an initial hardship request due to a leave of absence lasting six months. Contrary to my expectations of a comprehensive solution, I was only offered temporary relief for two months. This partial response failed to address the full duration of my hardship, prompting my subsequent complaint.

Following the partial resolution, I was advised to resubmit the same request. I complied, clearly stating my hardship would extend through XXXX. Yet, I received another inadequate response that only covered me until XXXX. This repetitive cycle of resubmissions without full consideration of my stated needs is not only exhausting but also inefficient and unacceptable.
Consumer complaint received 2024-05-24
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. (GA)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-09-08
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: EQUIFAX, INC. (FL)

My initial awareness of unauthorized inquiries on my credit report became known to me as I ran across a headline on my XXXXXXXX XXXX feed where another data breach had occured. Taking that event into consideration, I went about checking on my credit to see if there was any errors that was unbeknowst to me during that time. Upon doing so, I had noticed there were several inquiries that I had no knowledge of nor had given each of those financial institutions any permission to pull my credit at any point in my life so far. With this information in hand, I sent out a letter by certified mail to Equifax on XX/XX/year> in which I stated that there were erroneous inquiries on my credit report that did not have permissable permission from me to exist on my credit report. Additionally, I requested that those listed inquiries be investigated and removed due to them being unauthorized by me. ( please see attached letter that was sent ). I patiently waited 30 days per FCRA rules for a response and never received one. In the month of XXXX ( last month ), I checked my credit report then to see if during the updating of my credit report phase had occured, had there been any changes/removals of the unauthorized inquiries to which I discovered there nothing had been removed but instead, I discovered 2 new hard inquiries that are listed/titled as " XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been more than 30 days since initiating communication with Equifax via certified mail of my complaints during the month of XXXX and yet those inquiries had not been addressed or answered to per FCRA rules. Due to nothing having changed to the date of this complaint 's writing, I'm consistently being negatively affected by these errors lieu of the credit reporting entries against me. Additionally, theres a repeat of offense in yet another unauthorized credit inquiry being placed on my credit report. This discovery happened on XX/XX/year> as I scrolled through my XXXX account and noticed that a financial institution had put a new hard inquiry titled " XXXXXXXX XXXX  '' on my Equifax credit report. Conclusively, Equifax has failed to execute their responsibilities of adherence to consumer law and FCRA policy to which their governed and are committing civil liability for each violation.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (IL)

I issued a check for {$920.00} on XX/XX/year> that was cashed by a party other than the one it was made out to. The party that cashed the check is/ was a customer of Wells Fargo. The party to whom the check was addressed is also a customer of Wells Fargo so I asked them to research whether the check had been routed incorrectly within their company. Their investigation concluded that they had not received it. By the time this process was completed, it was early XXXX of 2023. I filed a claim with my bank and they initiated contact with Wells Fargo. In XXXX of this year my bank notified me that they had not received any response from Wells Fargo, so I initiated an inquiry with a local Wells Fargo branch. I received a call from a Wells Fargo employee requesting the details of the issue. Subsequent attempts to contact this individual for a status report went to voice mail and no return call was received. In XXXX I made another attempt to work through Wells Fargo 's local branch and was directed to the non-customer advocacy group. My call was re-directed twice until I was connected with an individual that informed me that they couldn't provide information about their customer. I understood this and was only hoping that they would contact their customer about the matter. The Wells Fargo representative 's attitude became dismissive, and her final comment was that it was most likely my banks fault that this occurred. 

I have XXXX complaints. 

First, neither my bank nor I have any evidence that Wells Fargo made any attempt to deal with issue. 

Second, Wells Fargo 's non customer advocacy group appears to be a facade for a department that doesn't really advocate for non customers.
Consumer complaint received 2024-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

Mohela was transferred my loan from XXXX months ago and refuses to put me into legal administrative forbearance and will not process my request for a SAVE as XXXX failed to process it as well so they can illegally bill me money I do not owe nor can afford. I had a reduction in pay to 66 % due to stress leave as a teacher and provided documentation. I also provided it to Mohela. Instead of processing my application they RAISED THE PAYMENT TO OVER {$4000.00}! Not only is this more money than I ever make in a month, it is illegal as I asked to lower my payment as I am on reduced pay. They continue to bill me despite Biden Administration telling them to put me into administrative forbearance and despite XXXX never processing my SAVE application from XX/XX/year> so now they are messing with my credit and illegally trying ot formulate a payment schedule so I pay all this money in ten years. Also, I am in PSLF program and have 4 years left where I have forgiveness so I will never be able to pay back hundreds of thousands of dollars quickly anyway. I am supposed to be in a 25 year plan under SAVE and in administrative forbearance. I have received no help form XXXX nor from Mohela and it is greatly impacting my life. This is an urgent situation and I am formally asking for help from CFPB to escalate this as I am a person with XXXX, a federally protected XXXX and this is all illegal.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (CA)

The bank closed my account XXXX and mailed me a check out of remaining funds which I never received. Because the check went to my old address. The check was returned to sender which is XXXX XXXX/credit karma. It's been a whole year I still haven't received my check yet. I sent in all the documents they asked for don't understand the problem bad customer service. The check was mailed out XX/XX/2023 and stolen which somebody tried to mobile deposit at XXXX XXXX bank don't accept third party checks That's why the check was returned to sender.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (NY)

I had my identity stolen by a family member and he opened 3 credit cards in my name while adding himself as an authorized user. I did not approve this, nor would I allow anyone to use my credit as it was near the best possible score. It took 2 months to find out that he opened Citi Bank Best Buy Card, ( {$4000.00} limit ) XXXX XXXX XXXX, ( {$2900.00} limit ) And XXXX XXXX ( {$10000.00} limit ) I have letters from XXXX showing that it was fraud, along with XXXX XXXX. I filed the proper paperwork with FTC 3times, a fraud report with the New York State Police and followed every direction I was given. I pressed charges, the credit card companies promised to do the same, YET Best Buy refuses to acknowledge that I am the victim of identity theft and fraud. I was never notified that my case was denied even though the department supervisor I was working with hours on end assured me that I would receive a letter from Best Buy being released from the fraud. And now I am receiving calls and have a delinquent account on my credit report that has NEVER been late since I opened my first bank account, or credit card. I have been dealing with this since XXXXXXXX XXXX XXXX  and the person who stole my identity and committed the fraud has not been charged but has openly flaunted the crime to others and myself. This is an unacceptable practice by Best Buy, I have done EVERY SINGLE THING that the FTC has informed me to and still I am being punished for a crime I did not commit. This system is flawed and sadly even as XXXX XXXX XXXX, not one person has ever helped me through this process. I have had to go through this for 6 long months to find out just how little I matter and all the sacrifice I have made has been for absolutely nothing! Disgraceful companies!
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint personally to address an issue regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. Despite sending letters about this over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly request your assistance in promptly and effectively resolving this matter.