davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (FL)

The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANKRUPTCY XXXX XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Garrison Investment Group (AZ)

I was checking my billing statement with my current loan servicer and according to the statement it only shows the Interest Due on the account. When doing the math of my payment minus the interest due it does not give me the actual balance in the account. I called the company to advise them of this discrepancy and I was advised that this is the way that they run their business. They only display daily monthly interest charged from the due date to the cycle date. So there is no way of seeing the total amount of interest I paid every month. They offered to send me a detailed document showing the total billed interest for the month and I explained that this information should be included in each statement so any user can do the math and can see where their money is going. They explained that is not how they do thing and that there was nothing that can be done. This is clearly deceptive as a customer can not clearly see where his money is being applied each month.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-09
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. (GA)

I investigated my credit report with all three credit agencies and reported the inaccuracies to them, but after the investigation was completed, it did not change the outcome. The inaccuracies are still on all three credit reports. 
After I did very thorough research myself, the information was not corrected after making several attempts to get the information corrected. All three credit agencies are reporting inaccuracies in my credit reports : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq 602 A. The following accounts are completely inaccurate. 
XXXXXXXX XXXX XXXX Account Number XXXX : {$1200.00} XX/XX/XXXX & XXXX XXXX Never late. Two reporting agencies show I was never late. 
XXXX XXXX XXXX Account Number XXXX : {$6000.00} XX/XX/XXXX & XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX  XXXX XXXX Account Number XXXX : {$5000.00} XX/XX/XXXX thru XX/XX/XXXX Never late. Two reporting agencies show I was never late. 
XXXX, Account Number XXXX : {$200.00} Never late. Two reporting agencies show I was never late. The company issued me a deletion letter and I forwarded it to all three credit agencies, but it was still not removed from my credit report. 
XXXX XXXX  Account Number XXXX : {$16000.00} XX/XX/XXXX through XX/XX/XXXX paid in full. Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 
XXXX Account number XXXX : {$3500.00} XX/XX/XXXX through XXXX XXXX account is closed and still reporting that I have an open account with them. 
XXXX Account number XXXX : {$3600.00} XX/XX/XXXX Never late. Two reporting agencies show I was never late. Collect letter removed it from one credit agency, but not the other two credit reporting agencies. 

I have a right to privacy, and my rights have been violated., U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency unless the person has certified to the CRA the permissible purpose for which the report is being obtained, and certifies that the report will not be used for any other purpose.
Consumer complaint received 2018-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

I am submitting this complaint about XXXX credit reporting agency. I have been disputing an account that was previously removed off my credit report. ( XXXX XXXX XXXX ). Today I checked my credit score on XXXX XXXX and noticed a 100 point drop I looked into this and noticed that they re-inserted this account that was previously removed. I attempted several times to reach them and dispute this information again and ask to remove it like it was before and it should have never been re-inserted onto my credit report. It was confirmed that this loan was a combined loan that was PAID off in full. I can't reach XXXX as they keep telling me my credit file is in another department. ( Fraud Victim Dept ). As I had in the past fraud done with my name. I was transferred and was on hold for a long time. I am very fustrated that they put this account back on my credit report which caused my score to drop.
Consumer complaint received 2023-02-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (RI)

On XX/XX/XXXX I received a collection notice from a company named Resurgent. 
Not only is this not my debt, this debt is from 23 years ago. The notice claims the debt was from the year XXXX ans is {$480.00} and {$1000.00} interest. 
I called Resurgent and they can not tell me the source of this debt because of the age of the debt, but told me they could sue for my assets. 
I told them this was not my debt The woman asked my to verify the last 4 digits of my SS # which I provided and was told the SS # they had was 1 digit off and it was probably a typo. 
Please I need help with this
Consumer complaint received 2023-06-03
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: Regional Management Corporation (MO)

Regional Finance Subject : Request for Account Deletion as per Metro 2 Five Points of Compliance I am writing to request the deletion of my account from your records in accordance with the Metro 2 Five Points of Compliance. As a consumer, I understand that the Metro 2 format is an industry standard for reporting credit information, and it includes guidelines for accurate and fair reporting.

I kindly ask that you consider the following five points of compliance and take the necessary steps to delete my account from your reporting : 1. Accuracy : I request that my account information be deleted promptly if it contains any inaccuracies, incomplete information, or discrepancies that may impact my creditworthiness.

2. Integrity : It is my understanding that you should maintain the integrity of my personal information, ensuring its confidentiality and protection from unauthorized access.

3. Promptness : I expect that you will process my request promptly, taking into account the specified timelines for deletion as per the Metro 2 guidelines.

4. Documentation : I request that you provide written confirmation of the account deletion, including the removal of any negative information associated with my account.

5. Compliance : I trust that you will adhere to all applicable laws and regulations regarding consumer credit reporting, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines.

Please acknowledge this request within 3 days from the receipt of this letter and provide written confirmation of the account deletion as per the Metro 2 guidelines.

Thank you for your attention to this matter. I appreciate your cooperation in ensuring the accurate and fair reporting of my credit information.

Sincerely,
Consumer complaint received 2023-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

The company is PayPal. I received a 1099K with my name and address for an account that I did not set up. PayPal would not give me phone or email associated with account or general info about how or when it was set up.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2023, I answered Capital Ones questions regarding Claim No. XXXX that I had filed regarding wrong wigs that were sent to me and the seller is not responding. Capital One deposited a provisional credit in the amount of {$54.00} into my checking account. I was sent an email from Capital One stating the claim was denied because they said I had not provided the information that they had requested. As I stated before, I provided the information to XXXX XXXX XXXX  as instructed. When I contacted Capital One to inform them that I had emailed the requested information, I was told that I would have to open another claim to have it investigated again. This time, the Claim No. was XXXX. I sent the email with the requested information on XX/XX/2023 and again on XX/XX/2023. The same exact thing happened. I was sent an email that it was denied. When I called to inquire this time, I was told that that Claim No. XXXX had been escalated to be further investigated. However, the provisional credit of {$54.00} was deducted from my checking account on XX/XX/2023 even though I had not received an email stating that a decision had been made on the claim. When I first called on XX/XX/2023, I was told that an error had in fact been made and that the money would be put back in my checking account. After some time on the same day, I called Capital One again because the money had not been replaced. This time I was told that an error had not taken place and that the money would not be replaced. I really couldnt understand the reasons why because of the heavy accents. I spoke with a representative as well as a supervisor and I believe they both had different reasons why the money will not be returned even though they eventually received my response to their email.
Consumer complaint received 2023-02-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY (FL)

I have been trying to transfer my title to Florida for 4 months and my license plates expired in XXXX. I pay Wells Fargo for a small business loan that they have my vehicle title as collateral for. When I call them, they say they have shut down the small business department and nobody seems to know who to contact. Finally, 3 months after I requested the form, they emailed me and said the DMV has my title. Which they do not. I need help from someone else as I have exhausted all resources to get the title of this vehicle transferred to where it needs to be.
Consumer complaint received 2022-10-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I have a XXXX XXXX  loan, recently asked Dovenmuehle for a COVID related forbearance, they told me on XX/XX/XXXX that the COVID related forbearances options have ended. I was also told that I had a COVID forbearance in XXXX, I do not agree with this, I had called Dovenmuehle to inquire of a XXXX  but did not accept XXXX. 

This impacts being able to move forward. 

In an effort to keep my house, I continued making payments while letting other bills pile up. I would like to now obtain a forbearance, I understand from my Housing Counselor that the COVID emergency has not yet ended.
Consumer complaint received 2023-07-24
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. (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 the 3 credit bureaus 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 correct : XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (GA)

My payment was due right after a federal holiday. The bank immediately charged me a {$41.00} late fee on the same day as the payment due date. The bank also has different policies with respect to payment cut off times. If you call to make a phone payment by phone or online it has to be received by XXXX for it to post the same day and if you pay in the store you have until the store closes to make a payment for it to post the same day. The bank should have until XXXXXXXX XXXX  on the day of the payment due date to make a payment online or by phone and not early cut off time. I think that this is set at this time so that they can receive the money the very next day from the customer 's bank. The bank did not even notify me by e-mail that the payment had not been received until XX/XX/XXXX because of the holiday even though the bank uses automated systems including automatically assessing late fees on the same day as the payment due date. The bank should not be immediately ( as soon as the same day ) assessing late fees on a customer 's account. As the CFPB points out and concluded in a report from XXXX of XXXX " that the credit card market continues to rely on late fees that negatively affect missions of consumers. For some households, late fees are a costly mistake for payments that may only be a day or two late ; for others, they are significant added hardship during a time of financial precarity. For credit card companies, especially private label and subprime specialist issuers, late fee continues to bolster their bottom line. ''
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (NJ)

This credit card is being reported as 30 days late in XX/XX/2022 although I was given erroneous information and I had unauthorized charges on my account. The company did not take the proper steps to investigate my claim and has ignored emails to their corporate office.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected.
Consumer complaint received 2024-03-07
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rocket Mortgage, LLC (MI)

I have been paying on all of my accounts monthly and my credit score has not moved. XXXX XXXX XXXX has taken my score down because I have reported the unlawful things they have been doing to DIFs.
Consumer complaint received 2022-12-22
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-03-07
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. (TX)

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts being challenged XXXX XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Im a victim of identity theft and my accounts cleaned out the person got arrested but Wells Fargo still havent given me my money back Im single parent of six and I work but I dont have money to just allow people to sell it from me. I have all of the documents to support my claim and they DONT CARE ABOUT THEIR CUSTOMERS
Consumer complaint received 2023-04-10
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. (CA)

15 U.S. Code 1681e ( b ) - 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. Experian fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be reporting as a charge off in the month of XXXX and XXXX, when I was on time previously months before. For this account to be charge off it should be reporting - XXXX, and XXXX and its not. There's no late payment or past due on this account.
Consumer complaint received 2023-02-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Heritage Financial Group, Inc. (IN)

Heritage Acceptance XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX ( XXXX ) XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.