davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Its like with Transunion I cant access my credit report or score online. Every time I try to log in I have to call and reset password. When I finally login I cant see report or score so I have to get them to mail it. But with XXXX and XXXX I have no issues. Then why I try to apply for credit with lenders they say they unable to verify my identity like a credit monitoring service has my credit lock or frozen
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (MO)

My first XXXX attempts to contact Aidvantage on different days, I was in queue for XXXX hour each during working hours and had to hand up. ON my third attempt, a week later I was waiting XXXX mins when I got an answer ( XX/XX/XXXX ). I explained I had XXXX issues XXXX that my XXXX interest for being on the save plan had not been removed. this was at least 10 days after my payment. and my second issue was that I was charged interest for XXXX that had not been removed and my XXXX payment had been listed as {$0.00}. The rep explained that my payment for my total account was higher than the interest for my total account so I would not be getting the additional interest on my low XXXX covered by the XXXX XXXX. I confirmed they had notice of my being on the XXXX plan and they advised me to make a higher payment to deal with the interest and that since I had not made a payment in XXXX, I would have to pay that interest as well. I advised that the student aid side said per loan and not per account so my interest would be covered and that since payments where not to start until XXXX as per government order. then they could not require a payment form me in XXXX and that they listed my payment as {$0.00} which would qualify for interest forgiveness under the XXXX plan. The rep was kind but was only able to repeat the same corporate speech back about it not qualifying and that my total payment was higher than my total interest so any interest would remain. I again said the student gov site says the purpose for the XXXX XXXX  is that the balance does not grow over time and that because of the XXXX interest on that loan and the XXXX interest my account balance would if fact continue to grow. I asked for a supervisor. The rep had a tough time getting a supervisor and at least XXXX of them advised she explain the same thing I had been hearing. back and it took over XXXX minutes to get a supervisor on the phone. I re explained that they never told me I had to make a payment to qualify and that they listed my payments {$0.00} but was again told I had to have made the payment I did not know about and that my payment was higher than the total account interest. I advised that I was also on Auto pay and that I graduated during the pandemic so this was my first payment so if I was required to pay it should have been auto drafted. The solution they produced to get my off the phone as I was very frustrated at this point was that it would take the next month 's payment to see the first month 's interest removed and that they would ask the leadership as to if the XXXX interest should be removed do to {$0.00} payment. It has been a week and I have not received a call back and do to having a job in order to afford student loan payments I am unable to continue to wait an hour + to try to get through on the phone just to have an additional hour + conversation about it that is only available during working hours.
Consumer complaint received 2023-11-13
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$17000.00}
Consumer complaint received 2023-11-14
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. (NJ)

XX/XX/XXXXXXXX  I submitted proof of identification, FTC ID THEFT REPORT, IDT 100 form, Division of Taxation notification. and a written statement. Between XXXX, the major credit reporting agencies ( CRAs ) responded. Equifax denied to block the information from being reported. Equifax wrongfully assumed misrepresentation, error or receiving goods for completing the transaction and requested document that was provided with the dispute ( FTC report or police report, specific account and identity ). 

( XX/XX/XXXX @ XXXX EST ) I visited XXXX Police Department XXXX XXXX precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX EST ) credit bureau dispute resolution center and spoke with XXXX , who confirmed that there was identity theft note in my file. I requested the necessary documents to no avail, then I was transferred to XXXX. XXXX did not have the right address on file since before XXXX. So I updated my address on file first. Next, XXXX stated that XXXX XXXX does not have transaction records anymore ; records were sent to the Attorney. I called the attorneys office, XXXX & XXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX . I never received the documents. 

Equifax did not provide methods of investigation or thoroughly investigate the dispute. If so, Equifax would have known that my information was compromised in XXXX during the Equifax Data Breach ( Claim # attached ). 

I am a natural human being and I have autonomously created this complaint.
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : Bankruptcy : XXXX XXXX. Account # XXXX Account Name : XXXX. Account # XXXX
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (FL)

I 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 30 days 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 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Propel, Inc. (CA)

On XX/XX/2023 me and my wife went on a weekend getaway. We went out for dinner and I used my card to pay at the restaurant ( XXXX XXXX XXXX ) in XXXX California. As we were walking back to are hotel my phone started pinging with notifications from my card company that some one in ( XXXX California ) was withdrawing {$100.00} increments out of an ATM at a XXXX. A total of {$500.00} was withdrawn, I tried to call the card company but they are closed on weekends so it was Monday the XXXX when I reported that there was fraudulent charges on my card. The fraud department notified me that they were not going to refund my money saying I was the one who made the withdrawals. I argued with them that how can I be in two different towns at the same time. On the XXXX I only used my card that day at XXXX XXXX XXXX in XXXX California.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Acceptance Rentals, Inc. (GA)

I leased furniture with a company called Acceptance Rentals I returned the furniture all of it they keep stating that I kept a mattress which I did not I have a invoice from them that states all items were returned they keep harassing me telling me I owe them monies for leased furniture I have asked them several times to stop contacting me and they keep sending me emails and asking me to pay what owe they are even reporting incorrect information on my credit report. I have asked them to provide proof that I have the furniture they claim I have but they do not the emails are on a daily basis.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (OH)

I received an UNSOLICITED credit card from Wells Fargo Bank. That is ILLEGAL! 
I filed a complaint with CFPB, XX/XX/23, # XXXX. 

I requested that Wells Fargo notify me, IN WRITING that they DELETED my UNSOLICITED credit card account and removed all of my personal info from their system. 
So far, they refuse. The CFPB apparently does nothing. 
Now, I have received an email from Wells Fargo and it states they UPDATED my information! 
I did not request that they update my information, I requested that they DELETE the illegal, UNSOLICITED account they created in my name. 
It gets worse. the 'update ' includes a new address, not the address they sent the unsolicited credit card to. It is from an old address, in another state, from over 10 years ago, when I was unfortunate enough to have an auto loan with the criminals at Wells Fargo.
Consumer complaint received 2023-11-14
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: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX XXXX, MI XX/XX/2023 Credit Reporting Agency/Bureau City , State, Zip RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/2023, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
If you have any questions or need additional information, please contact me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-05
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC (MO)

I do n't understand why I have paid XXXX for a property that was foreclosed by XXXX XXXX and why the payments I made to XXXX and XXXX XXXX XXXX did n't count. I have made ALL of the payments on the XX/XX/XXXX truth in lending disclosure statement on a 7 % loan. I have made enough payments to XXXX to pay off a 15 year loan at 4.34 %. Now that we have paid XXXX for the property XXXX XXXX took they want me to not only pay for the original loan they want me to pay them my down payment again. 
I do n't know where this goes I paid {$270000.00} for my house in XXXX XXXX. 
{$65000.00} down payment. {$210000.00} @ 7 %. 
XXXX XXXX Refinanced $ XXXXXXXX6.5 %. 
XXXX XXXX paid {$5000.00} to escrow shortage. 
XXXX XXXX refinanced to XXXX and in XXXX it dropped to 5.875. % and a new {$260000.00} included a {$35000.00} line of credit. In all I paid {$79000.00} to XXXX mortgage {$49000.00} to XXXX, {$39000.00} to XXXX paid {$36000.00} to XXXX bank. {$340000.00} to XXXX and {$39000.00} to XXXX. {$30000.00} to XXXX plus {$79000.00} to XXXX. {$62000.00} to XXXX XXXX ( plus {$61000.00} from foreclosure ) and {$69000.00} paid to XXXX. 
In XXXX I owed {$20000.00} on a va loan I did not refinance. 
XXXX XXXX XXXX released XXXX {$260000.00} loans. XXXX for the second time. XXXX released the same {$35000.00} twice - XX/XX/XXXX and again in XX/XX/XXXX. 
My credit report shows a {$310000.00} mortgage with XXXX XXXX XXXX and a {$240000.00} mortgage at XXXX I never had. In XXXX XXXX XXXX XXXX offered me a {$420000.00} loan on my house and a {$150000.00} loan on my duplex I never signed. XXXX XXXX took my duplex in XXXX and I had to sign a {$290000.00} modification to keep my house / to which I have paid {$110000.00} ( @ 2 % on {$240000.00} ). The current balance is now the XXXX purchase price. I paid off the VA loan and the buyers {$91000.00} loan on my duplex was also paid off in XX/XX/XXXX. In all I paid off {$44000.00} credit cards - that were already added in the mortgage. I paid them -with interest - at least twice. We filed bankruptcy in XX/XX/XXXX and all debt was discharged yet my credit report shows {$79000.00} was paid. ( I mailed over {$170000.00} seperatelybto those credit cards over 3 years ) I believe I have paid the escrow on all three properties 3 times. Or I paid over 20 % interest. I have paid off all of the principal interest taxes and insurance on XXXX properties and owe more than I paid for the only XXXX left. 
All of the credit cards and the second mortgage were included in the balance I still owe. None of the {$460000.00} I have paid on my house counted. 
None of the {$160000.00} I paid for my duplex counted. 
I paid {$30000.00} more than I owed on the VA loan I never refinanced. 
I believe I paid the discharged debt back twice. 
The way I see it is I have paid {$660000.00} interest ON MY HOUSE. 
And 4.5 % more interest on the original balance and pay my down payment again.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (MD)

They continue to report incorrect information to XXXX. On XXXX XXXX, XXXX, I made a debit card payment in the amount of {$2100.00}, which brought my account current. However, they continue to report to XXXX that my account is 120 days past due. That is not accurate. I have filed several disputes with XXXX, yet they continue to report my account as 120 days past due. The most recent report that I pulled on XX/XX/XXXX still reflects that you are reporting my account as 120 days past due. It has been almost a month since I brought my account up to date, and they are still reporting inaccurate information to the credit bureaus. This is holding up my prequalification to purchase a home. I have called customer service and sent all of the documentation to their support department. No one has contacted me and they have not corrected their reporting. They refuse to transfer me to their " investigations '' department and the representatives insist that they are reporting the information correctly.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Bank offered a {$250.00} bonus to those who open a checking account with them and make 10 debits on it within 60 days. Three members of my family took advantage of that offer and the other two have successfully completed the debits and received their bonuses, but they singled me out for different treatment and froze my account without telling me. My debit card never worked and they told me I needed a new one but that one did n't work either. No one told me the real reason, and the 60 days is rapidly passing without my being able to fulfill my debits. Every time I ask what the problem is, I get a different answer, and every time I satisfy their queries, they come up with a new roadblock. I asked for my original deposit back if they would n't let me make debits on it, and they refused because they have frozen it. I have health problems and am depleted from dealing with this, with still no resolution. I have gone into the local branch three times and spent a great deal of time on the phone with them, as well as their HQ, including their fraud department. So far I am still being treated very differently than my other family members, who did exactly the same thing in exactly the same way. They keep making new requirements of me, that were not required of others, and when I meet their requirements they make new ones. Enough is enough.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have been disputing for 6 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and AG! 

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 seven 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.

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 


Accounts listed for reference : 1. 1681i. - Procedure in case of dispute accuracy XXXX  XXXX Account Number : XXXX Delete- XXXX  this account immediately, unless you want to be held for incompliance of the FCRA/FDCPA up to XXXX per violation or actual damages! 

2. 1681i. - Procedure in case of dispute accuracy XXXX XXXX Account Number : XXXX This account is inaccurate per the FCRA XXXX Delete-XXXX  this account as it will soon be involved in litigation. 

3. 1681i. - Procedure in case of dispute accuracy XXXX XXXX Account Number : XXXX This account is inaccurate per the FCRA XXXX Delete-XXXX  this account as it will soon be involved in litigation. 

4. Section 1681n - Civil liability for willful noncompliance XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate per the FCRA XXXX Delete-XXXX  this account as it will soon be involved in litigation.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Jon Barry and Associates, Inc. (NC)

In 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXX XXXX XXXX/ and XXXX XXXX XXXX XXXX  . Also Paragon Revenue is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

This is the refilling of my complaint to American Express. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my writtien instructions.
Consumer complaint received 2023-11-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC (NY)

Hello Im XXXX XXXX i recently tried to resolved this issue on my account I purchased a XXXX XXXX on XX/XX/22 From XXXX ever since then I have had a charged for a XXXX  XXXX for the same day of my purchase on my credit report I have proof that I purchased my XXXX XXXX but I never bought a XXXX  I need this inaccurate info removed from my account please