davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NJ)

Signed up for Bilt Rewards Credit Card from Wells Fargo. The card is advertised in a way that allows you to pay your rent using the credit card so you can earn rewards points. I set the card for autopay say that I had sufficient funds in my bank account and say the payment went through. I had been paying rent through the Bilt app for the past year. On the XXXX of XXXX I received an email saying that the payment did not go through. I was then charged a {$50.00} fee, then the next day an {$100.00} rent late fee. I have been paying rent with no issues for the past 3 years and never had an issue. When I switched over to the card I all of a sudden began accumulating fees. When I spoke to customer service it took them 4 days to get a call back. They wouldnt not abate the fees and when I asked to speak to a supervisor or cancel the card my call was dropped. I had enough money in the account when the payment went through, they tell me there wasnt. The payment was for {$2600.00} autopay shouldve gone through on XX/XX/XXXX. I was emailed notice that the payment didnt go through the XXXX of XXXX. Late fee was charged on the XXXX. I had until the XXXX to pay rent on top of everything they didnt warn me that the rent payment didnt go through until the XXXX.
Consumer complaint received 2023-03-12
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (FL)

Hello!, i wanted to see about coming to a resolution with my finance company Ally Financial in regard to my XXXX XXXX XXXX. I was reported late 30 days with them XX/XX/XXXX and XX/XX/XXXX to all 3 credit bureaus. While I will not deny that I was late those two times the reason for me being late was due to acquiring XXXX XXXX both times. My wife, myself both caught XXXX  which took us both out of work for an extended period of time. In fact, my wife still is experiencing XXXX complications until this very day. 
With us being out of work some bills did get behind. I called and asked for grace in regard to the situation and was refused any. In XXXX I made my payment online on a XXXX  and was told by a representative that it would be fine then next thing you know I was marked as being late. In XXXX I spoke to numerous people and conveyed the XXXX situation and still nothing was fixed. My loan as of today is paid off in FULL all that am looking for is can Ally Financial please take the late payments off of my credit report. They have their money and I would please like to have my credit report in good standing so i can be able to move on with my life. Prior to XXXX the only time I was late was when i had no job and that was in XXXX. I just would like my credit restored please.
Consumer complaint received 2024-05-27
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 dispute the accuracy of information contained within my credit report provided by XXXX XXXX, particularly concerning late mortgage payments. Pursuant to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX XXXX, I hereby invoke my rights to dispute and request an investigation into the following late mortgage payments : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XXXX XX/XX/year> These reported late payments inaccurately reflect my credit history. I maintain that I made all mortgage payments on time during the periods mentioned above. 

Furthermore, I would like to bring to your attention the actions of XXXXXXXX XXXX  regarding a forbearance and subsequent repayment plan associated with my mortgage account. It has come to my attention that XXXXXXXX XXXX withheld proper information regarding the terms and conditions of the forbearance and repayment plan, leading to confusion and financial hardship on my part. Such actions are not only unethical but XXXX also constitute a violation of the FCRA. 

Moreover, despite my repeated requests, XXXX XXXX has refused to release phone recordings relevant to this matter. This refusal raises concerns about transparency and accountability in their dealings with consumers. 

In accordance with XXXX XXXX XXXX XXXX, I request that you conduct a thorough investigation into the validity of the late payment entries associated with my mortgage account and the alleged withholding of proper information by XXXX XXXX regarding the forbearance and repayment plan. This includes scrutinizing the accuracy of the reported dates, amounts, and any other relevant details pertaining to these late payments, as well as an examination of the information provided by XXXX Mortgage regarding the forbearance and repayment plan. 

Furthermore, I request that your bureau take appropriate action to ensure XXXX XXXX complies with the law and provides the necessary documentation and recordings related to this dispute. 

I urge you to take immediate action to rectify these inaccuracies and update my credit report accordingly. Please provide me with written confirmation once the investigation has been completed and the necessary corrections have been made. 

I appreciate your prompt attention to this matter and expect a response within the timeframes stipulated by law. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
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: LEXISNEXIS (MD)

I have attempted to resolve this issue by asking the bureaus to make the proper corrections by deleting this erroneous account over the past two years and they have refused to do so. I have provided documentation such as police reports, my ID, my license, and verification that these accounts do not belong to me. My first dispute for this item was back in XXXX, I sent out another dispute letter in XXXX as I saw that it repopulated back onto my credit file. And it wasn't until recently when I received a newer version of my credit report for the year of XXXX did it reoccur. Not only is this account erroneously reporting on my report, but it is reporting three times on my credit file which is a violation of the FCRA. It seems that LexisNexis not only removes these items from my credit report but they also repopulate it back onto my credit file. I am attempting to resolve this issue prior to taking the next steps necessary to assure that this doesn't repeat again.
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

According to the FCRA consumer law 15 U.S. code 1681 e Compliance procedures : section ( b ) Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The attached account PORTFOLIO RC ( XXXX XXXX XXXX  XXXX XXXX ) XXXX Fails to report accurate information. 

The account type reports as a collection with XXXX and XXXX, but as an " open account '' with XXXX. 
The date opened for this account reports as XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XXXX. 
This account is reporting a " past due '' amount XXXX on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting nothing, which proves inaccuracy as well. 
This account is reporting a payment status of " late 120 days '' on XXXX which is illegal on a collection/charge off account. XXXX and XXXX are reporting collection/charge off which proves inaccuracy as well. 
This account is reporting a " last reported date '' XX/XX/XXXX on XXXX and XXXX but XX/XX/XXXX on XXXX which again proves inaccuracy. 
This account is reporting a " date last active '' of XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX which proves major inaccuracy. 

As you can confirm from the attached documents and what is stated here, there are NUMEROUS inaccuracies with this account which violates my rights as a consumer.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$730.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$8400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (TN)

I applied for a personal loan with  Wells Fargo  on  XXXX   XXXX ,   XXXX  . I was approved for the full loan amount and the loan officer stated she had to wait on a second approval from her supervisor. On  XXXX   XXXX ,   XXXX   I received a email stating I was denied because of my debt to credit ratio and I would need a cosigner. On  XXXX   XXXX ,   XXXX   I added my husband as a cosigner and once again I received an email stating we were denied, without a explanation, phone call or a follow up procedure. I have tried to contact the loan officer on several occasions, leaving voice mails but yet we have not received a valid response. This is the first time I have been involved in a situation of this magnitude with no transparency on a corporate business level.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (FL)

My mortgage was transferred from  XXXX   XXXX   XXXX . to  Dovenmuehle Mor tgage  XXXX   Inc.  on   XXXX   XXXX   XXXX  . My homeowners insurance compan y (   XXXX   XXXX   XXXX    ) has been invoicing them to pay my insurance renewal premium, whic h they failed to do for 4 months, and my insurance was cancelled effective  XX/XX/XXXX . I had to find alternate homeowners insurance because  XXXX   XXXX   XXXX  would not issue me another policy because I had gone without coverage for over 45 days. I was finally able to find another insur ance carrier, and  they have also issued invoices to  Dovenmuehle si nce   XXXX   and to date  Dovenmuehle has not pa id for the new insurance either. I am now going on mont h 5 with no  homeowners insurance, despite an over-abundance of funds in my escrow account. In addition, they are sending letters warning us that they will take out their own insurance on our property, all while refusing to pay the invoices they have been receiving since  XXXX . I need assistance immediately!!!
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (IN)

I see that XXXX XXXX XXXX still shows on my credit report as owed {$7600.00}, last updated XX/XX/2023. This debt was transferred to SST in XXXX. I have made XXXX payments to SST, which they have not credited through credit bureaus at all. My current balance should be {$6100.00}, but its not reflecting on my credit report, and XXXX should be removed, as the debt has been sold to SST. This is affecting my credit rating ( went down XXXX points today ), and SST says it wont be updated until XX/XX/XXXX. I do not trust SST at all. And I have disputed MGS with the credit bureau, as that account needs to be transferred to SST and my {$1500.00} is off in limbo somewhere. Very disappointed
Consumer complaint received 2017-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I opened my account ending in # # # in XXXX and this card with BOA has been my longest line of credit. I have been diligent in payments and have several other accounts with BOA. 
XXXX XXXX XXXX I legally changed my name and requested BOA change my name on my accounts and re-send me new credit cards reflecting this. I received my debit card and other credit card with the new name on it, but this credit card was re-sent with my old name still on it. I requested a second one be mailed with the corrected name. Again, it came in the mail with the incorrect name on it. 
XXXX XXXX I had closed my account with XXXX XXXX and they had a standing balance of - {$84.00}. They provided me a refund of that amount on XXXX/XXXX/XXXX which was deposited into my bank account on XXXX/XXXX/XXXX. XXXX then incorrectly had that I owed them {$84.00} even though my account should have been closed and {$0.00} at this point. They INCORRECTLY sent me to collections. 
XXXX XXXX BOA sent me a check for {$1.00} because I had over-paid my credit card balance and this was to put me at {$0.00} for this account. 
On XXXX XXXX I received a letter from BOA stating that they CLOSED this account citing a collection account appearing on my credit file. There was no warning or route to dispute this claim. 
I attempted to dispute this with the BOA employee XXXX in XXXX in which he pointed me to check my credit. I then contacted XXXX, disputed the collection account on my credit and cleared that issue up ( See XXXX 's letter and XXXX 's letter stating this dispute had been resolved attached ). 
I then worked with another BOA employee- XXXX XXXX on XXXX/XXXX/XXXX to request that this credit line be reopened due to the fraud/disputed claim being taken care of. I received attached letter from BOA stating that " we were unable to approve your request to reopen the above referenced account because the terms for this account are no longer available ''. 
I submitted on XXXX/XXXX/XXXX that this be reviewed and reversed due to XXXX and BOA 's error and not my own fault. CASE ID XXXX. 
1. This account was closed in error 2. The issues cited as to why it was closed were in error and have been handled and fixed to the best of my knowledge.
3. This was my longest line of credit that is being affected and as a long standing customer and on-time payer- this has taken time and effort to fix something that was not my fault.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, 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 DEPT OF ED / 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 2023-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions. (GA)

As I have NO Contract with you, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. 
As of XX/XX/XXXX I have presented a Credit Set-Off Settlement to the " XXXX ACCT XXXX XXXX '' for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of XXXX. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and workers to credit bureaus and sue for damages with a lien.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

Kay jewelers account threw comenity bank reported that my payment was 30 days late for XXXX and XXXX of XXXX  and my payments where made on time I have contacted the company and they have confirmed that payment was made on time. But have not done anything to correct this mistake on there behalf
Consumer complaint received 2023-03-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX account needs to be removed/deleted it was removed and deleted on all other credit bureas this needs to be investigated and removed if there is no response of updated from the company who filedthe collection not the collection agency.
Consumer complaint received 2024-07-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I saw that my credit score of XXXX plus had dropped over XXXX points in XXXX of XXXX. I looked at credit report and saw a collection debt from XXXXGenesis for a rental at The XXXX XXXX  in fort XXXX XXXX XXXX of XXXX. I knew nothing about it and called Genesis and sent them all the info they requested proving it was not me on XX/XX/XXXX. They are still calling me and asking for payment as of XX/XX/XXXX. The person using my ss # gave wrong drivers license info, wrong email, wrong phone, wrong occupation ( XXXX XXXX ).
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I have on numerous occasions attempted to rectify a few discrepancies within my consumer report. Under the law, it is the job of the consumer reporting agency to make sure that the information that they are reporting is accurate. As the consumer I have notified the agency to remove the following items : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) To date these unverifiable accounts remain on my consumer report. 
The consumer reporting agency should be able to see that these items have been previously disputed without a proper investigation/ or verification method. I am requesting that the consumer reporting agency reinvestigate these accounts by manual verification. If any item is to come back as verified please provide this information pursuant to 15 US Code 1681 ( i ) ( 6 ) ( b ) ( iii ) : 1. A description of the procedure 2. Name of the business 3. Business address 4. Business phone number 5. Name of the agent 6. Most importantly, if my personal information such as my date of birth, ssn, and/or address was provided to you without my consent for verification purposes.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX account ending in # XXXXXXXX XXXX XXXX XXXX  account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX  account ending # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending XXXX XXXXXXXX XXXX XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I started repaying my federal student loans on  XXXX / XXXX / XXXX  and signed up for th e Public Student Loan Forgiveness program shortly after that came out. I asked my loan service venders & PSLF p rogram on more than a dozen occasions, dates would be documented in their records of call history, if I was doing everything right to be qualified to have my loans forgiven in 10 years as PSLF program requires. I asked if I was in the right forgiveness program plan which I was told each time, yes. In  XXXX , when I double checked with PSLF program and my federal loan service vendors what the date was my federal loans would be forgiven, they stated that from  XXXX , I was not making payments under the correct repayment plan to qualify for PSLF program. I made approximately 6 years of on time payments under a repayment plan that did not even qualify for forgiveness when I was told i was doing everything correctly. That is approximately  72  payments. Thousands of dollars later, and in  XXXX , i immediately switched to an income contingent repayment plan and have been submitting annual renewal paperwork and making on time payments under this plan. I feel I was misguided and cheated out of thousands of dollars. I can barely afford to live being a single income dependent person, struggling with so much student loan debt, that I 'm not sure what else I can do to get out of this financial hardship. If I would 've been informed correctly, I would be having my loans forgiven. Please help and guide me in what i need to do.
Consumer complaint received 2023-03-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX account needs to be removed/deleted it was removed and deleted on all other credit bureas this needs to be investigated and removed if there is no response of updated from the company who filedthe collection not the collection agency.