davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (TX)

XXXX sent payoff check to Wells Fargo. Wells Fargo received the check but has done nothing with it and is trying to charge us late fees for not paying. Wells Fargo already closed the account and issued a refund of overpayment. All attempts to resolve this have been unsuccessful, Wells Fargo reps say their supervisors are busy and nothing gets done. XXXX has all info of the check being sent and received.
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (NC)

I purchased furniture from Conns last year XX/XX/XXXX when the furniture was delivered it was damaged wasn't put together correctly. Pictures attached as well as emails. I repeatedly called the store on several occasions trying to resolve on several occasions got the run around email corporate etc. Once I left the the store I realized XXXX decided to changed my contract and add services I didn't authorize I made a complaint about that I have voicemails where other stores tried to assist when XXXX the store XXXX at the time refused to be of assistance. Of course I find out now he no longer works there, I contact XXXX the now store XXXX he claims he emailed them and they said they called me which they didn't. I never received the mirror to bedroom set every time they came to deliver it was broken then suddenly XX/XX/XXXX they came they had the wrong brackets and they wanted me to sign saying they was coming back the next day I refused because I knew they was lying. I have every delivery date they attempted for something I still don't have which makes no sense they never provided me with the original contract or receipts all I have is my bank statements showing proof I also paid cash for a kitchen set that was damaged on arrival never was fixed and I basically was stuck because I paid in full. Here it is XX/XX/XXXX I still don't have a resolution but they decide to do a charge off on my credit report instead of fixing the problem. I have attached emails and pictures. I made these complaints the day of delivery and nothing was never done not months down the road!
Consumer complaint received 2022-11-23
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. (NC)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$17000.00}.
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (MS)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

to whom it may concern, pls help me to resolve the issue of refusing my request to stop pmi charge in my mortgage, despite of my mortgage XXXX is more than 80 %. 
the bethpage fedeal credit union kept continuing my pmi even though they cancelled in the first place and then resume again, despite of my continuous request. 
it is unfair to me that i am paying the pmi, despite of paying on time and over the amount that i am paying monthly plus advance payment in principal. 
kindly help me to solve this issue because that kept charging my bank account thank you, XXXX XXXX
Consumer complaint received 2023-04-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I submitted a letter of dispute to Equifax by certified mail and it was received by an agent on XX/XX/. I recently received a notice from Equifax stating that they have no information on file for me based on the information that I submitted, which by the way was a notarized letter. 

I DO NOT understand why Equifax would even claim that my information does not exist. 
See attached letter and certified mail receipt. I believe that this is a stall tactic. 

The information reported on my consumer report ie : XXXX XXXX with a truncated account number XXXX. This is a duplicate account and it appears that I have 2 auto loans when in fact it should only be reporting XXXX XXXX acct # XXXX. XXXX XXXX took over the account from XXXX XXXX. XXXX XXXX account information is reporting accurately and should remain on my consumer report, however, XXXX XXXX # XXXX needs to be deleted. The XXXX account balance is incorrect as well.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

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 r
eport 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. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-15
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. (MI)

XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL. 

XXXX  ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fraudulent
Consumer complaint received 2024-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AZ)

I made XXXX payments in XX/XX/year> through my bank payment system. The first XXXX went to the old account number. I then made a second payment to the new account number which shows up on my account. The first payment has been lost and I cant get them to understand I made XXXX payments in XXXX.
Consumer complaint received 2024-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

I started paying my loans with AidVantage in XXXX of 2023, then applied for XXXX and the XXXX plan in that same month. Due to this, my loans were going to be transferred to a new servicer. The transition wasnt finalized until XXXX when my first payment with XXXX was due. 

During the time that my loans were being transferred, AidVantage continued to charge me through autopay, but had deactivated my account so I couldnt turn them off. I called them in early XXXX to have these turned off and to be refunded and the first person confirmed he saw the payments and a refund would be issued within XXXX weeks. I hadnt seen a refund, so I called again. The second person said it was being investigated, so they told me to call back. I called again and they said they couldnt find the payments in their system and said XXXX was responsible for the payments, but they werent even my servicer yet. 


I see on my bank statements that Aidvantage was the company to take it out each time. They did not apply my payments to my student loans either. This was around {$1000.00} worth of payments that I have not been able to get back and that Aidvantage just has.
Consumer complaint received 2024-02-18
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Cordoba Legal Group, PLLC. (CT)

XX/XX/year> I received a phone call from a XXXX, Connecticut phone number not able to receive calls. I received a call from XXXX XXXX, Florida which is XXXX, Customer Service XXXX is XXXX and email is XXXX. 
Phone number to give to creditors from legal group of Cordoba is XXXX. They have scammed lot of people with frivolous documentation they have only been around for 5 years and claim on the phone been there for 20 years in legal services.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I would like to report a fraud that occurred in the month of XXXX, On XX/XX/XXXX, I received a copy of my credit report and became aware of a late payment for my XXXX credit card, I received a call around XX/XX/XXXX, from a representative from XXXX XXXX  XXXX  XXXX that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for two months as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX XXXX and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of XXXX Credit Card services  and the money order I wrote was directed to an unauthorized place i would like to make a police report inregards to the fraud call made on behalf of XXXX credit card services which took my money for my credit card payment and funneled it to another location this needs to be documented and reported so it dont happen again I received a call around XX/XX/XXXX, from a representative from XXXX Credit Card Services that stated, if I made a money order payable to the directed address that the representative provided me, that the payment would be considered good for XXXX XXXX as a promotion for saving people monthly payments on there credit card so I assumed if I paid the credit card payment for the month XXXX of XXXX XXXX and send the money order to the provided address, which my understanding is that I would be in good standing with the payment, well I come to realize a few months later that the person who I spoke too was not a representative of XXXXXXXX Credit Card services and the money order I wrote was directed to an unauthorized place I am writing to request that the late payment of 30 days or more be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of the late payment. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. 
It would help me immensely if you take the late payment off my XXXX credit card histoy and make a adjustment to remove the late payment for the month of XXXX and XXXX  due to fraud and no fault of my own, i have never been late on any of my credit cards or any other commitment i have finacially. I also filed a police report to state the crime that was committed for taking my money and representing themselves as your company. 
Thank you for your consideration, and I hope you'll approve my request
Consumer complaint received 2022-11-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am having a nightmare trying to resolve fraudulent charges on my Bank of America credit card account. I have maintained this account for over 40 years, but in the past XXXX months have been receiving multiple charges from a company called XXXX ' - which my wife and I have never done any business with! When I first contacted B of A on XX/XX/2022 they promised to credit me back for the fraudulent charges, and promptly sent me out a new card with a new account number. Within 60 days, we received additional charges from 'XXXX  ' in the amount of {$1000.00}. on the new account! When I called to again contest fraudulent charges, I was told that 'XXXX  ' had the ability to continue charging me, even with new cards/account numbers. At this point, my wife and I had had enough, and asked B of A to promptly close our C.C. account and reverse again the fraudulent charges. I specifically withdrew permission for B of A to automatically pay down outstanding balances from my checking account, opting instead for a final paper bill that we could examine for any legitimate balance due. We were specifically assured that this change was made. 
Despite these instructions, on XX/XX/2022, we awoke to find out that B of A had withdrawn, without permission {$2100.00} from our personal checking account, again for XXXX ' charges that had previously been disputed. This unexpected cash grab caused us to be overdrawn on our checking account, causing even more pain and suffering. When I called B of A on the afternoon of XXXX XXXX to once again resolve the matter, I was on hold for XXXX minutes before a very sympathetic customer representative assured me that she would reverse the charge, only to be disconnected before any changes could be made. Despite my phone number being in the record, no call back was received.
Consumer complaint received 2022-11-15
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: BARCLAYS BANK DELAWARE (CO)

I opened an AAdvantage Aviator XXXX XXXX XXXX Mastercard on XX/XX/2022 with the sign up bonus " Earn XXXX AAdvantage bonus miles and a {$95.00} statement credit after spending {$2000.00} on purchases in the first 90 days. '' I completed the {$2000.00} purchases and have received the XXXX bonus miles but the {$95.00} statement credit never posted.
Consumer complaint received 2021-08-05
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. (GA)

Equifax is in Clear violation of FCRA 15 USC 1681i ( 5 ) ( B ) Equifax REINSERTED previously deleted material on my consumer report which is a form of admission. I have disputed with them several times and they keep saying the record was directly furnished from the bankruptcy court. That is a lie. I have proof from the courthouse as well as a previous report from equifax that shows the public record not on my account.
Consumer complaint received 2022-11-28
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: WELLS FARGO & COMPANY (FL)

Dear Wells Fargo Bank, N.A., and all of its subsidiaries. 
The purpose I am writing this letter to you today respectfully is in regards to inaccurate information being reported to my credit report. On varies occasions Ive disputed these claims to both the credit bureaus and to Wells Fargo Bank, N.A at XXXX XXXX XXXX XXXX XXXX, IA XXXX. 
The credit bureaus response to me is always verified by creditor ( W.F ) and Wells Fargo Bank never response with a letter back. I have personally gone into local Wells Fargos branches who have assisted me in calling Wells Fargo customer service line on two separate occasions. Moreover no credit card account has ever existed or has been verified. 
It is very unclear to me as to why Wells Fargo Bank, N.A of XXXX XXXX XXXX XXXX XXXX, IA XXXX. Is reporting a debt owned of {$1100.00} to my credit report when I have never had a Credit Card or Credit Card at a Retail store associated with Wells Fargo Bank. 

For the record I am aware under the ( FDCPA ) the original creditor ( W.F ) does not have to provide a Debt Validation request. If the original creditor chooses not to. But under the Fair Reporting Act ( FCRA ) I have the legal right to dispute and receive evidence on what being reported against my credit report from the original creditor. So please mail me any evidence as to why this is being reported to my credit report if any exist.
Consumer complaint received 2023-06-02
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. (NY)

This is my NUMEROUS 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 Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-11
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unverified accounts without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX Balance : {$260.00}, XXXX XXXX  XXXX XXXX : {$560.00}
Consumer complaint received 2022-11-15
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)

XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-11-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.