davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
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. (AL)

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 Experian and XXXX 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 corrected : XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX stole money and embezzled it to their profit. They knowingly did so repeatedly from about XX/XX/2023. They falsely fraudulently and deliberately report late status on my credit file. They do this to harm me. They refuse to remove. They stole money from the check XXXX offered to return ALL money under the contract terms to cancel this fraudulently induced loan. They know they stole and embezzled the money to appear like a XXXX payment was made when it was not. Despite this criminal activity they double double and commit more crimes by claiming I have XXXX months of late status. If they stole a payment for XXXX then the first day this fraudulently induced loan was late is the XXXXXXXX XXXX XXXXXXXX. The fraud loan was allegedly sold back to the original criminals who fraudulently induced me into this contract. Enclosed find alleged transfer in legally required doc. It could be fraud who knows. They still have not transfered the debt and continue to increase amount due on my loan portal so there is reason to find the transfer letter is fraud fake and more lies from a criminal. Anyway there can be NO LATE PAYMENT PUBLICATION ON MY CREDIT BUREAU FILE BECAUSE if the first day it was late is XX/XX/XXXX then it is not 30 days late until XX/XX/XXXX. But this co doesnt care about facts it just wants to hurt oppress and defraud borrowers.
Consumer complaint received 2017-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Good morning. Back in  XXXX  I became unemployed and was experiencing difficulties in making my mortgage payment. I attempted to modified my mortgage on various occasions with my mortgage company. Finally in   XXXX   XXXX   XXXX   they offered me a " streamline  XXXX   XXXX  and I started making payment of {$670.00}. Later they stated that I did not qualify. I applied to to modify again in   XXXX   XXXX   and was granted  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .     The problem I am having is as follows :  1 )  Every year since  XXXX  my escrow account is short by a significant amount of money. They spread the shortage over a period of  XXXX  years. I call for explanation each and every time I receive the notices they can never provide me with a straight answer. I an aware that my escrow account can vary depending on my taxes & insurance. However I have reviewed my taxes & insurances and the increase over the years have not been so high.      2 )  When I modified in   XXXX   my unpaid principal balance was {$86000.00}, and my  XXXX  was {$640.00} with a maturity date of   XXXX   XXXX   XXXX  . In signing the documents they include a " Balloon Payment Disclosure '' of {$51000.00}. I called and asked if this was in addition to my original principal balance of {$86000.00} they said NO. It would not of made any sense for me struggling to pay {$86000.00} to incur an additional {$51000.00}. I have even requested a payoff to make sure that this amount is not part of my balance. In addition my husband called mortgage company on   XXXX   spoke with rep ID #  XXXX  and he stated again that he does not see any balloon payment on our loan. My greatest fear is to LOOSE my home which I have been struggling to pay because of my mortgage company mishandling our account.     If you can please HELP me with these issues as every time I reach out to my mortgage company I get a rep that does n't have a clue and are unable to clearly explain solutions to my concern.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX stole late fees from a lump sum payment I made to cancel this fraudulently induced loan per cancel docs. XXXX breached the contract and reports fake fraudulent false info to credit bureaus. Remove debt return embezzled money to XXXX
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

Experian is reporting falsely a account that is included in a bankruptcy filed inXX/XX/2019 as negative showing the vehicle as repossessed and it was never repossessed they are also reporting 49 months negative payments and this is false i have contacted theXX/XX/XXXXXXXX XXXX XXXX XXXX ) and they confirmed that it is Experian reporting this negative information because it is not them and they also confirmed that XXXX and XXXX are reporting correctly but that Experian is not reporting correctly i have called Experian and they have not corrected this incorrect information which is hurting my consumer report
Consumer complaint received 2024-03-22
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. (GA)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-04-04
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: EQUIFAX, INC. (DC)

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXXWASHINGTON, DC XXXXXXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear CFPB, I am writing this letter to lodge a complaint against Wells Fargo Bank for their fraudulent practices targeting consumers. 

Despite my previous attempts to complain, I had to contact Wells Fargo again today to inquire about the amount I need to pay on my previous bill. I specifically asked the agent to calculate the amount, considering that there are four disputed charges that should be deducted. The agent performed the calculation and informed me that I could subtract approximately {$250.00} because the four disputed charges are still pending, and I am not required to pay or incur any interest.

I then informed the agent that I had recorded our conversation as evidence in case there are any future issues for which they would be responsible. Immediately, she panicked and tried to transfer my call to her supervisor, retracting everything she had just said. 

This banks behavior is outrageous! They shamelessly deceive consumers, neglect disputes, and employ various forms of deception. They even claim that undisputed charges were not provided by the customer! 

Wells Fargo bank has shown me the ugliest side of American capitalist banking. This bank is on the verge of collapse ; they must be facing severe financial instability.

I now have two recorded pieces of evidence : 1. A complete recording of the conversation regarding the disputed charges and the information provided. 2. A recording of the banks fraudulent misrepresentation of the correct repayment amount.

I kindly request regulatory authorities to oversee this matter. If this shameless bank continues its obstinate behavior after my complaint, I am prepared to cooperate with the CFPB to take further legal action. 

Sincerely, XXXX
Consumer complaint received 2023-11-05
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. (IN)

XXXX is repeatedly reporting a supposed debt inaccurately to my Experian credit report. I have reached out to them to have the account removed for violating the FRCA however they continue to confirm it's reporting correctly. Pursuant to 15 U.S.C. 1681-1681x companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information According to Discovers responses I have disputed this account on numerous occasions questioning the accuracy of the reporting. As of this day, my credit report does not have the following -Closed Date -Last Verified -Original Creditor According to the statements from XX/XX/XXXX to XX/XX/XXXX XXXX sent me, my last payment was made XX/XX/XXXX which is confirmed on my credit report. 

Late payment fee dates according to XXXX statement -XXXX XXXX XXXXXXXX ( 30 Days late ) -XXXX XXXX XXXXXXXX ( 60 Days late ) XXXX XXXX XXXX ( 90 Days late ) - XX/XX/XXXX ( 120 Days late ) - XX/XX/XXXX ( 150 Days late ) - XX/XX/XXXX ( 180 Days late ) - XX/XX/XXXX ( reported as charged off ) XXXX XXXX XXXX ( Account shown as closed ) Date of Last Activity is showing as XX/XX/XXXX. I am requesting again that XXXX send me documentation on what changes happened on XX/XX/XXXX to an account that was charged off in XXXX of XXXX, they have verified this repeatedly and if they can not show proof of activity I ask they please remove this account. 

I am requesting proof the account was opened on XX/XX/XXXX as stated on my credit report along with the contract that was signed. 

Furthermore this account was dismissed without prejudice by a federal judge in XXXX according to a written letter from XXXX. I am expecting a prompt response with the requested information.
Consumer complaint received 2024-03-22
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)

This account was charged off as a collection on the following date XXXX of XXXX. It is also being reported on my report that the account is closed and in collection with EXPERIAN but the account status is also being reporting to being an Open account with XXXX and barely any information being reported for XXXX. Also XXXX accounts are being reported and updated as a collection on my report. These accounts are also stating a balance of {$340.00} when the balance should be XXXX due to these accounts being charged off as a collection which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, & XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-11-05
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: Experian Information Solutions Inc. (FL)

Un-Authorized Inquiries 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 2023-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NC)

My card was stolen in XX/XX/2023 and I disputed the charges four times everytime they denied it they have no documentation to support why they keep denying me they basically just don't want to uphold American express zero liability fraud protection terms and it is really sad they even suspended my account saying that I am submitting to many claims but all my claims are for the same transactions that is fraudulent I really need help getting my money back this is against the law American express serve should be ashamed
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

My car company was fully aware that my car was totaled. They receive both a check from the insurance. My account stated total loss as well as gap insurance that XXXX XXXX  provided for me and they are the third-party sent their payment but yet they posted my payoff check as a payment two years later marked my account for being 30 days late. This caused issues with the insurance company. They have been waiting on the title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide They have been waiting on their title for years and I'm looking at a possible lawsuit and they need to remove it immediately. They do not have the right to continue to try to make me look like I am making payments on a car was deemed a total loss by the lienholder, as well as the insurance company who paid them their money, and the title was security for the insurance company which I have not been able to provide.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (FL)

I asked the credit reporting agencies to not share my consumer report unless expressly written by me. These companies used my credit report to send promotional offers, i did not apply for these and the inquires are hurting my credit report. I dont want these inquires reflecting on my report when i didnt apply for them. 
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 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 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 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (TX)

On XX/XX/XXXX, Discover Card authorized a balance transfer payment from my credit card account to my Checking account with XXXX card. As of XX/XX/XXXX, the funds hadn't arrived at my XXXX account. 

I messaged them ( their main customer service number is selling products to people and hanging up if you don't buy ) many times and explained that this situation was artificially negatively impacting my XXXX XXXX. They asked me to submit a form stating both the routing number and the account number of my XXXX account. I did, then waited. Nothing happened. I have since then been trying o reach them in every way I can, and besides dropping chat conversations, and selling products to customers calling about pressing card issues and then hanging up on them, I have had no answers, no recourse, no one to even talk to. 

They say it will take them 30 days to investigate this dispute. It is a simple matter of adding my routing number to my balance transfer request and processing the payment. I have already been charged for ( my Discover account is now {$11000.00} higher ) which has ground my XXXX XXXX down to poor from good. But they will not help me, or even get me a real person to talk to me. 

I will be unable to process my home refinance due to a damaged XXXX XXXX while rates are still reasonable because of Discover card 's negligence and mistreatment of customers like me.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (TX)

XXXX XXXX from my XXXX XXXX company account was wired by Citibank to my XXXX XXXX XXXX account in XXXX on XX/XX/2021. More than a month later, the money has now shown up in my XXXX XXXX XXXXXXXX account. XXXX XXXX  XXXX XXXX says the money has not hit their XXXX network and they can not look into the XXXX XXXX XXXXXXXX XXXX XXXX and the correct procedure is Citibank investigate and recover the money as it is the sender 's responsibility to excuse this correctly. 

Citibank so far has refused to do a investigative trace and recover the money. As a result I a at a loss of a lot of money with no resolution in sight as the big banks refuse to investigate the missing money. 

Attached is the XXXX record of the outbound message that can help the banks trace and recover the money.
Consumer complaint received 2022-01-12
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CA)

I was notified by XXXX that there was a collection agency asking for a past due amount of {$930.00} dollars from an energy company in Texas. XXXX XXXX of XXXX XXXX. I have lived in XXXX XXXX since XXXX and have never been to Texas. I have called them several times, have sent them a police report/Idenity Theft report but they refuse to have this fraud charge taken off my credit report! I have also sent them my utility bills from XXXX XXXX as they have requested. Still no cooperation from them. I also sent all this info to the third party collection agency, Mercantile Solutions. As of today this fraud charge is still on my personal credit report.