davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX {$30000.00}.
Consumer complaint received 2023-08-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (AL)

On or about XX/XX/XXXX, I obtained a line of credit in the amount of {$2900.00} from Credit Fresh through their website. My husband had passed away 10 days prior, and I did not understand the this company would make a draw on each and every payday ( I get paid every other Thursday ). 
To date, I have paid {$1400.00}, and my balance is still {$2800.00}. In other words, my balance has only decreased by {$170.00}, despite the amount I have paid ( {$1400.00} ). 
Payments : XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} TOTAL {$1400.00} I feel that the " billing cycle charge, '' charged every other week as opposed to monthly, is exorbitant and predatory. The charges will never allow me to get this account paid off. The amounts reflected that have been paid versus what has actually been credited to lower my balance are unconscionable. Please investigate so that other consumers are not put in a similar position. 
Thank you.
Consumer complaint received 2017-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We have been asking for Wells Fargo to give us a modification. We submitted all of the documents that they asked from us. They assigned to XXXX XXXX and XXXX XXXX. We received a call from her 1st on the XX/XX/XXXX but when she called by husband was driving and was not able to pick up the call but when we tried to call her back she did not answer she called back again and said that she will call us again but we have not had a chance to talk to her. All we were told was that they are reviewing the file. In the meantime they scheduled a Foreclosure sale date forXX/XX/XXXX. This is what they have done for years of requesting for a loan modification. We submit our documents but they will not talk to us and let us know what is going on. 

We know they have worked with other homeowners with same situations. They gave them modification, they allowed the missed payments to be deferred and gave them payments that allowed them to be able to keep their homes. Why not us too? My husband still have XXXX and still working. Please help us get Wells Fargo to help us.
Consumer complaint received 2023-06-16
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. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-23
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. ()

I am writing to express my serious concerns and file a formal complaint regarding an error in my Equifax credit report and the associated leak of my personal information, which I believe has compromised the security of my identity. This is a grave issue, and I kindly request Equifax 's immediate attention and resolution. 

Today ( XX/XX/2023 ), I noticed discrepancies in my Equifax credit report, where it seemed to be mixed with another individual 's information. Additionally, this error has led to my personal information being accessible to the said individual and vice versa. The mix-up and data leak have caused me significant stress and concern over potential misuse of my information.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am requesting the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease to be reported, as their inclusion violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the immediate removal of these accounts and information from my consumer report to rectify the violation of these legal statutes. Please take immediate action to remove these accounts and information promptly.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on Equifax. On XXXX there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a XXXX on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) XXXX ( XXXX ) Derogatory ( Equifax ) XXXX refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.
Consumer complaint received 2023-08-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (UT)

I have autopay setup on my Grain Tech Inc. account and have made every payment on time however was informed that my account reported to the credit bureaus as delinquent. I have records showing I made payments. When I contact grain there is only an automated phone tree that loops back and no live agent is ever available. The only other option is emailing their customer service and I have not received a response in weeks. I also tried to access my account through the grain app but have been unable to login for the past XXXX months. I have reset my password and reinstalled the app multiple times and it does not ever login. I am at my wits end. My credit has been damaged despite having made payments on time, and now I am unable to resolve the issue in a timely manner with grain directly. Please let me know what I can do, and if you have any questions. Thank you for your help with this matter!
Consumer complaint received 2023-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (NC)

Not sure what this derogatory mark on my credit repot but it only come up on XXXX XXXX XXXX. Please take a look at it I believe it is a mistake. Thank you
Consumer complaint received 2023-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (CA)

My identity was stolen and I noticed back in XXXX I obtained a police report when I started noticing fraudulent accounts on my credit report synovis being one of them. I obtained a police report on XXXX and submitted it directly to synovis because they kept saying the debt was mine even though the address they had was not my address or any of the info they had was mine. The only info they had was my social security. After I disputed with the credit bureaus for months it was wiped from my credit report and the debt was removed. Now synovis has sold this deb to XXXX  and they are sending me harassing text and emails multiple times daily to pay and this so showing up on my credit report again under collections as of XX/XX/XXXX and impacting my credit score once again. I want to report this fraudulent information. I want this removed from my credit report. I want this company to stop harassing me and I want this fixed
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (LA)

I, XXXX XXXX, have a checking account through XXXX Bank at XXXX XXXX XXXX. XXXX XXXX, XXXX, DE XXXX, website XXXX. I have a checking, credit card and savings account in which my direct deposit from XXXX XXXX XXXX, XXXX. On XX/XX/XXXX, Bancorp Bank through my XXXX Account allowed XXXX XXXX to take {$270.00} and XXXX XXXX to take {$69.00} from my checking account. My debit card and credit card both had their cards replaced and neither merchants have my new information. Bancorp Bank through XXXX are allowing these two merchant to submit information and accessing my money with neither merchants having my new information nor rendering goods and services to me. I did not received any services from XXXX XXXX since XX/XX/XXXX and XXXX XXXX since XX/XX/XXXX. I contacted XXXX Bank through XXXX  on XX/XX/XXXX and a representative told me I could not be assisted due to Bancorp Bank through XXXX is being monitored in XXXX. When I went to XXXX XXXX last XX/XX/XXXX, I gave them my credit card. Why Bancorp Bank through XXXX are allowing this merchant to take money from my checking when this merchant do not have any information on my account that has been changed through Bancorp Bank. I called again this morning and the representative told me the call center where he is located is in the XXXX. How can Bancorp Bank allow American Consumers, who vote and pay taxes to be monitored outside the United States of America? How can Bancorp Bank be this FOUL OF A BANK TO ALLOW AMERICAN CITIZENS WHO VOTE AND PAY TAXES MONEY TO BE ACCESSED BY ANOTHER COUNTRY. The representative told me they could not refund my money. How can Bancorp Bank allow merchants to steal American Consumers money?
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have a XXXX XXXX XXXX and it was priced at XXXX on the lot I put XXXX down and have had the car since XX/XX/XXXX and with interest my balance through credit acceptance was placed at XXXX and as of today I owe a remainder of XXXX and a 10 day buy out quote of XXXX all of which are not feasible for my pay grade and I cant refinance due to in efficient credit score my monthly payment is XXXX and I feel financially trapped and duped into a contract that extorts me and am looking for a way out but I love this car and have put so much into it that I dont want to part with my investment
Consumer complaint received 2023-06-16
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. (AZ)

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.

The letters are stated with items and issues.

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.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

To whom it may concern I XXXX XXXX XXXX pulled my credit report on XX/XX/XXXX. I noticed inaccurate information was reporting on my personal information section. I then sent dispute letters to all three credit bureaus via certified mail with return receipts on XX/XX/XXXX. I sent in proof of residency of my check stub, my government identification card and my social security card to prove my identity. I then looked at my credit report on XX/XX/XXXX just to see have changes been mad to my correct my personal information. XXXX XXXX and Experian failed to make any changes to my consumer reports. I then tried again on XX/XX/XXXX sent another certified letter to get my information correct but all three credit bureaus still failed to correct my information. My name and is reporting wrong and Ill like my information completely immediately. I am afraid I maybe a victim of identity theft because so many different names and addresses on my credit report. I hope this process will be successful and not continue to violate my consumer rights.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

My student loan payments have been over XXXX payments for almost a year ; I have initiated all needed forms and verification to Mohela, and they are continuing to claim they have no control over getting the US Dept. of Education to update the payment counts. 

My initial PSLF application was with XXXX XXXX, and then it needed to be transferred to Mohela. Then, I needed to do the consolidation, which happened prior to the deadline for consolidation in Fall of XXXX. Then, an updated PSLF application was needed to update the payment accounts for XXXX, XXXX, and XXXX, which was submitted and accepted XX/XX/XXXX. Now, 7 months later, my payments are still not updated. 

Every single call or chat with Mohela has no resolution. Mohela says they are at the mercy of the US dept. of Education to have the payment counts updated. 

Both Mohela and StudentAid.gov need to update payment accounts faster, and it is especially egregious that they have not updated the payment counts for those that do qualify for forgiveness, forcing me to jump through yet more hoops in order to get into deferment.
Consumer complaint received 2023-09-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: United Shore Financial Services, LLC (MS)

Im being over chargered XXXX MAKE A PAYMENT SETUP AUTOPAY PRINCIPAL & INTERESTXXXX ESCROW XXXX LOAN DETAILS LOAN NUMBER. MATURITY DATE XXXX/XXXXXXXX INTEREST RATE 6.75 %
Consumer complaint received 2023-08-19
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. (NJ)

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. Account name : Account Name XXXX Department XXXX # XXXX {$410.00} Account name : XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX 0 % 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 written instructions. 15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (AZ)

Submitted a dispute on XXXX XXXX XXXXXX/XX/ XXXX XXXX  saying I know Im not responsible under the House Joint Resolution 192 & 18 USC 8 for a balance of {$140.00} that Jefferson capital system is claiming I owe still refuses to remove it so now its identity theft USC 1681 ( c ) ( 2 )
Consumer complaint received 2023-06-16
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. (WI)

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. 


Account name : XXXX XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (CA)

Ability recovery services is reporting a debt from XXXX XXXX. I have never attended or provided any information to either company. Ability recover last responded that they couldnt located the account but when I disputed the account from my credit they stated they verified it. Ability recovery services cant provide an application, or any information related to this alleged debt and neither can XXXXXXXX XXXX. They literally are just trying to collect a fraudulent and fake debt that doesnt even exist. This is clearly a violation of FCRA.
Consumer complaint received 2023-06-16
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)

I have submitted numerous " certified letters '' to Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding a medical debt collection account- XXXX XXXX XXXX that is not mine! I even submitted a letter from " XXXX XXXX XXXX '' stating they have no account with me as proof! I have been getting return letters stating my account has been " updated and verified ''. I have asked numerous times for Equifax to provide me with the paperwork and measures they went through during the investigations process to verify this account.??? I know this account is not mine and I have submitted proof numerous times backing my request. For some reason, I keep getting put through this never-ending circle of " verified '' letters that are not actually properly investigated. I'm fed up and want some answers or to provide me with accurate information on this account. I know this is not my account and that is why I have fought so hard to get this off! Not only did Equifax, not investigate my account, but they also updated and verified, and created an entirely new account on my credit report that is the SAME collector. ( XXXX XXXX XXXX ) Now, not only am I fighting one account. NOW THERE ARE TWO!!! This has to be the most irritating and draining dispute I have ever had to face. I know these accounts are not mine and I am just asking for due diligence to correctly investigate and get these off my credit report as my credit is very important to me. Thank you for your time in helping me get past the XXXX  robot on the other end of Equifax.
Consumer complaint received 2023-09-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southern Credit Adjusters, Inc. (TX)

This company southern credit adjusters have been calling me from different numbers being extremely rude and yelling. Ive told them to stop and they keep leaving messages and keep calling. I had enough today a young lady called stating I need to pay now.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.