davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, 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. (FL)

Inquiries Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-23
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: WELLS FARGO & COMPANY (MS)

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2023-06-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint against OneMain Financial for deceptive practices and harassment Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against OneMain Financial regarding their unethical and deceptive practices in relation to a loan I obtained from them. I am deeply disappointed and frustrated with their actions, which have caused financial strain and compromised my safety. 

On XX/XX/XXXX, I applied for a loan with OneMain Financial through their online platform. At the time of application, I was not informed about the exorbitant interest rate that would be charged on the loan. This lack of transparency is both unfair and deceptive, as it prevented me from making an informed decision about entering into this loan agreement. 

Furthermore, I would like to bring to your attention the manner in which OneMain Financial has been contacting me. Despite my repeated requests to cease contacting me while I am driving, their representatives continue to call me incessantly, which poses a serious risk to my safety. In one instance, I received a call while I was driving, and the distraction nearly caused an accident. This disregard for my safety is unacceptable and should not be tolerated. 

In addition to the interest rate discrepancy and the incessant phone calls, I would like to highlight the fact that the loan in question was secured by the title of my vehicle. This collateral arrangement has further added to my distress and XXXX. It is deeply concerning to think that OneMain Financial has the power to repossess my vehicle if I am unable to meet their unreasonably high payment demands. 

I believe that OneMain Financial 's practices are not only unethical but also violate the principles of fair lending and consumer protection. I kindly request the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against OneMain Financial to ensure that other consumers are not subjected to the same mistreatment. 

I trust in the Consumer Financial Protection Bureau 's commitment to safeguarding consumers ' rights and ensuring a fair and transparent financial marketplace. I appreciate your attention to this matter and look forward to a prompt resolution. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

An amount of {$35.00} was taken from my checking account, " authorized '' on XX/XX/XXXX and went through on XX/XX/XXXX. This charge took place in a location that I had not been ( XXXX XXXX, MN ). I did not authorize this transaction, so I called Wells Fargo to report fraud. They canceled my card, but on XX/XX/XXXX I received notice by mail that my claim was denied. 

I know for a fact i did not make a charge of exactly XXXX, and that me and my card were in XXXX, MN at the time.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CA)

TIME WAS SEPND CALLING CITI, TYPING AND CREATING DISPUTES LETTERS AND LOOKING AT CREDIT REPORTS. TIME WAS SPENT GOING BACK AND FORTH TO THE POST OFFICE. TIME WAS SPENT FINDING ERRORS ON MY CREDIT REPORTS. TIME WAS SPENT CALLING CITI MULTI TIMES. TIME WAS SPENT FILLING OUT ENVELOPES. TIME WAS SPENT PRINTING AND SIGNING DISPUTES LETTERS. TIME WAS SPENT FILLING OUT XXXX XXXX XXXX FORMS. TIME WAS SPENT IN LINE AT THE XXXX XXXX. 

I AM NOT LIABLE FOR THIS DEBT WITH CITICARDS. I DO NOT HAVE A CONTRACT WITH THE CREDIT CARD AGENCY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS REQUESTED.
Consumer complaint received 2024-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (TX)

In XXXX, I decided to change my utility bill from XXXX XXXX to XXXX because I had noticed that XXXX XXXX was a very predatory company that would overcharge me for my utility. Around the middle of XXXX, I made the switch and had a outstanding bill of {$600.00} in my account. I had to pay the bill or arrange a payment plan by XX/XX/2023. In XX/XX/2023 I contacted XXXX XXXX to arrange a payment plan and made a {$150.00} deposit and made 5 payments of {$91.00} due on the XXXX of each month and have made each payment on time. On my last payment, XXXX XXXX decided to sell my debt to a collections agency on the XXXX of XXXX when it was due on the XXXX and had made the payment in the XXXX. I had made every possible thing to avoid this. I contacted XXXX XXXX about my debt and made a payment plan with them before the last chance letter date, and had made every payment on time. The collections agency ( Credit Management ) said that they might report it to the credit bureaus despite me trying to solve this issue before they sold the debt, made every payment on time before the XXXX, and manage to make every payment on time. I recommend everyone to stay away from XXXX XXXX. ( Note : The last payment screenshot was made in my Mom 's checking account so I don't have the payment proof and they have my last name spelled wrong. )
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
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. (OH)

I have made numerous attempts through phone and certified mail to resolve with the bureau. I have sent in multiple times proof of identity and residence. I have submitted this information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX There are multiple detrimental fraudulent inaccuracies STILL reporting on my credit file. I have informed the bureau of myself being a victim of identity theft. I have requested original proof of verification as there is none to give me. The bureau has neither brought forth proof as inquires and the listed fraudulent accounts as belonging to me or being authorized by me yet they have failed to remove them from reporting on my personal file. Inquires include : 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 XXXXXXXX does not belong to me, XXXX does not belong to me XXXX XXXX does not belong to me
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. (TX)

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. 2. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MN)

Approximately for 3 years, Wells Fargo has been notifying me by text via my gmail account about fraud charges, overdrafts and miscellaneous notifications. The problem is that it is not my debit card. Most recent notification was XX/XX/XXXX about 3 transactions either fraud or approved. All for debit card ending in XXXX. Previous Fraud notification XX/XX/XXXX, XX/XX/XXXX and so on. I deleted the rest. 

When I call they want the whole debit card number but I don't have it. My gmail account is XXXX. I do have accounts with Wells Fargo but not this one. They do have my text information correct on my accounts. XXXX. I keep the gmail account for my phone. FYI : there is another XXXX XXXX in Minnesota that I know of but don't know. I want these notifications corrected as it is disturbing. 

As stated previously, I have called repeatedly and have actually went in person to the bank. Always told for security reasons, they can't help me because I don't have the full debit number.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I XXXX XXXX, upon reviewing my ChexSystems consumer report on XXXX, I noticed a Charge-Off from XXXX  XXXX dated XX/XX/2019, RTN/ACCT # XXXX with an amount of {$450.00}. However, upon reviewing my XXXX XXXX account, it shows a different amount of {$450.00} for the same account. ChexSystems is in multiple violations with the said account. 15 U.S.Code 1681E ( A ) states : 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. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CHEXSYSTEMS ) shall not furnish any information relating to a consumer ( Myself ) if the person knows or has reasonable cause to believe that the information is inaccurate. Chexsystems did not perform due diligence to verify the accuracy of this Charge-Off. Their negligent reporting has caused me years of duress along with harm and discrimination to my reputation. Please find attached images with proof. Both together and separately, my consumer and privacy rights are being violated. The aforementioned charge-off is to be removed from my ChexSystems consumer credit report and file IMMEDIATELY. XXXX XXXX ( Without Prejudice )
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NH)

loanDepot not processing payment checks in a timely manner. I've had this issue with loanDepot several times. Takes them 3 weeks+ to process payment. 

This can impact my credit. loanDepot blames postal service. Other checks mailed same time are processed within a week. 

When I call, told I can pay online. loanDepot forcing customers to pay online. 

Please advise.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MO)

My loan was transferred from Loancare to XXXX in XXXX last year 2023, which is basically the same company. When I call their phone number, the automated service asks you to press a number to find which one. In XX/XX/2023. I paid Loancare my mortgage payment but I can't find where it was drafted from my account. Later in XXXX due to the XXXX swap, I realized I was late I made my XXXX and XXXX payment and they decided to give me a delinquent mark. The only reason the payment was late was due to their mess up! Furthermore, My credit is showing two mortgage balances for the same loan under both XXXX and Loancare.
Consumer complaint received 2023-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

I attended 2 Universities, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in the process of paying XXXX monthly under the IDR program, no problems with that Loan Processor. However, the nightmare is with Nelnet. 

Nelnet I have repeatedly sent emails through their site and my personal email to address the problem that Nelnet isn't honoring the proper procedures under the SAVE Program for which is applied for loan # XXXX. However, they are processing loan # XXXX under the SAVE Program. In my emails which have been a total of 7 of them, I have addressed several issues, one being the letters of my account being past due and the threat of sending delinquent information to the credit bureau but most importantly why are you not processing my loan under the SAVE Program? Nelnet has not worked this account under the SAVE Program and on the Federal Student Loan website where I applied for the SAVE Program both loans # XXXX and # XXXX are listed together and I applied for the program on both loans. I called Nelnet on several occasions and was on hold for over an hour. I decided to stay on hold for one occasion and was on hold for over an hour. I finally got a customer service representative who I was on the phone with for another hour because she couldn't figure out along with a supervisor why their system is not capturing loan # XXXX. At this time, they state that I owe {$700.00} monthly on the XXXX ( impossible for me to pay but at least they are still working on this one and repayment has not been initiated ). However, loan # XXXX has been in repayment since XXXX, and is now at a total of {$700.00} due by XX/XX/XXXX. Loan # XXXX has never been processed under the SAVE Program or acknowledged that it should be. I have never received any responses to the 7 emails sent and the representative who tried to correct this erroneous mistake deferred the payments but somehow it was removed and back in repayment stating 90 days past due. Nelnet isn't compliant with responding to emails or correcting their mistakes. I am living in fear every day that they are going to report me to the correct bureau. I applied for the SAVE Program because I can not pay 3 loans ( 2 with Nelnet and one with XXXX ) at the payments established without an Income-Driven Repayment Plan/SAVE Program allowing me to pay payments according to my income. My payments with XXXX are on my income and I received notice to resubmit my income documentation so that my payments can continue under the current amount. This is the way it should be handled. I don't understand what Nelnet is doing and why they have selected which loans to process under the SAVE Program. Also, I have a problem with them not responding to my countless numbers of emails regarding this issue. 

Last, I'm not sure if this matters but one of the loans is over XXXX XXXX XXXX, XXXX to be exact ( not sure if XXXX is the holder of that loan or Nelnet ) and that loan is 3 times how much I initially received.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

there is old or wrong information in my employer and location, and wrong name, and Ssn.

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. 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 2023-06-15
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: Experian Information Solutions Inc. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC (CO)

In the fall of 2023 we asked the mortgage company to modify our loan after COVID forbearance. We had a very hard time getting consistent and accurate information regarding the process. Some people would tell us we were taking correct steps. Then we learned that the information was incorrect and we were at at risk of foreclosure. 

We had multiple agents give completely contradicting information that endangered our home and financial future. When we reported these issues we were told " sorry, nothing we can do. '' We were placed on a mortgage modification trial repayment plan. We made two on time payments no issue. 

XXXX XX/XX/XXXX we attempted to make a payment. I did not have the full checking account number and needed to call back when I had the check in front of me. 

I started to call the company two hours before their phone payment service closed. Every time I called I received a message that said " We are sorry if you received this during normal business hours. Please try again. '' I called nonstop, emailed every email address to communicate, and frantically begged for help. I called the next day to make payments. I called the following business day with a HUD housing counselor to try and address the issue. The company was unhelpful and shared contradicting information. 

These payments can not be made online. 

I did not miss a payment for any other reason than the issue with the phone line. From there I have had complete non-cooperation with the company. They will not return calls, will not give me a single point of contact, and will not provide consistent information. 

The mortgage company is now attempting to proceed with foreclosure even though we did everything we could to make that payment.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (SC)

I recently disputed student loans from my credit profile the loans are 8 years of age 15 U.S Code S 1679 states the credit bureaus must remove accurate, negative information from your credit report if its over 7 years old my rights has been violated as a citizen as the debt still remains on my profile