davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION (LA)

My credit limit was for XXXX $ so I pay them on time every month. Last month in XXXX I noticed that they took 3 payments from me. On the XXXX XXXX and the XXXX. I never authorized the ones on the XXXX and XXXX. So when I called them they sent me a revered payment back for the XXXX of XXXX $ but then they also charged me XXXX $ for a check not clearing i don't right checks. And if I did they already had the 3 payments. I what its can down too is because they had too send my my XXXX $ back that I did not authorize them too so then they charged me XXXX $ for sending me the XXXX back. Then even tho they still had the payment from the XXXX and XXXX they turned me into the credit bureau when I made my payment on time. They have me down for reseving 5 reversal payments but the only one I ever received was the XXXX $ they took. I have paid them XXXX $ so far. In XXXX it show that i owed still XXXX $ and in XXXX my new balance is XXXX XXXX I tore this card up 8 months ago so I ask them how is it I've made all my payment of XXXX $ I haven't used my card in month but my balance now is only XXXX she had a million excuses for everything. Last month wasn't the first time they took more then one payment they hit me a few more times. As u can see in XXXX they got there payment on time but tried 2 more times and still turned me into the credit bureau. Now they show me as in minus XXXX something dollars.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-09-15
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: Experian Information Solutions Inc. (VA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of erroneous items that are reporting on my credit file : XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-06-22
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: Nelnet, Inc. (MD)

Nelnet is reporting a fraudulent account to the credit bureaus. I have never taken out a loan with Nelnet however Nelnet is reporting that I took out a loan in 2012. I never took out any loans in 2012. Nelnet is also fraudulently reporting that I took out a loan of over XXXX XXXX. I've never taken out a loan of that amount. Nelnet is also fraudulently reporting that I am in XXXX XXXX. I have gathered evidence that would prove that Nelnet is reporting false information to the credit bureaus in an identity theft scheme. There is lawsuit to follow soon with Nelnet, XXXX, and others as defendants.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-22
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2023 i requested for a replacement the representative i spoke with promised the card was going to come my address which i expected but never received please let bank of America kindly do something about it in order for me to receive my debit card
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

On XX/XX/XXXX I was out of work for 2 months due to a serious situation that I had to deal with. and my sister said she was gon na help pay for my car loan for 2 months.. she put her information in to credit acceptance as a guest payment and than cancelled it which put me in XXXX $ In debt and than stole XXXX $ from me on XXXX XXXX.. because she stated that she was gon na help me start my own business.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Well there were a lot of things going on with my accounts like checks ordered in different names with my account number, alot of stuff was ordered under my information, that I didn't applied, alot of fraudulent activities that I wasn't aware of. XXXX ordered using my card information in 2022.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX I sent them a certified letter on XX/XX/year> requesting that they provide me with the original creditors contract with my signature. I also requested to provide me the original pay history and proof of assignment. They responded back with letter dated XX/XX/year> with their contact with my signature not the original creditor. They also sent their pay history not the original creditor. 
Please assist in getting this information so I can make sure it is accurate. 

My Equifax report is reporting many inaccurate information on many accounts. Please assist in getting this corrected. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

In the summer of 2022 iput cash and a money order in my account everything got deposited but no receipt and nothing showed I even did any transaction I lost XXXX dollars they claim someone looked at the camera and didn't see anything I stillhave an account with them I don't know why
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

so wells farro credit card closed my account and they didn't tell me whats the reason for them closing the account and my account was in good standing and i've had the account for over 1 year so they never told me why they closed my account so them closing my account ruined my credit as well
Consumer complaint received 2023-01-21
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. (LA)

I had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE information.
Consumer complaint received 2023-06-22
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. (NC)

After reviewing credit report I noticed that have some unauthorized hard inquiries. Please remove all listed below from all XXXX credit bureau because it effecting me in negatively. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX duplicate XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX IXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP (IL)

This occurred during the transition from First Midwest Bank to Old Nation Bank. 
When I asked if there was going to be a problem with the timing I was told not to worry, it would be a seamless transition. 

I wrote a check to XXXX XXXX for {$1600.00} XX/XX/XXXX on my checking account at First Midwest Bank. I received notification from XXXX XXXX that they had not received my payment. When I checked the number of the check on my account I found out the check had been cashed for {$5000.00} to a person I did not know. I immediately went to the bank ( then First Midwest ) and spoke with XXXX on XX/XX/XXXX. She printed up the check and asked if I knew XXXX XXXX ( the man who altered the check ). I said I had no idea who he was and she did paper work to submit to the bank for bank fraud. I signed the form she gave me and it was notarized at the bank. She suggested I file a police report. I called the police on XX/XX/XXXX and filled out the report ( # XXXX ) with the XXXX XXXX XXXX XXXX Department for forgery and took it to the bank, gave it to XXXX and she sent it in. 

After about two months I thought I should see what was going on and I spoke to XXXX, a banker ( now Old National Bank ). She tried to get in touch with them and after several attempts told me she would call me at home when she knew anything. She called that XXXX  and said she was told it would take 4 to 6 months and I would by notified by mail. 

After 4 months I tried calling customer service at Old National Bank and was told they could not give me any information on the phone nor could they connect me with anyone to discuss this problem. I was told to go to the bank and see a banker. 

I waited until the 6 months were up and went to the bank to try to find out what was going on. I met with banker # 3, XXXX. she said she would find out what was happening and call me. A few days later she said she was told I would have to come into the bank and sign another affidavit. She apologized. I came in on XX/XX/XXXX, signed the paper work and it was notarized and sent in. 

I returned to the bank on XX/XX/XXXX and asked what was happening. she had heard nothing. I asked her to get in contact with the bank and asked that I be given a telephone number of an administrator ( not customer service ) so I could get some answers. As of Saturday, XX/XX/XXXX I have heard nothing.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Bread Financial Holdings, Inc. (NH)

I made a payment of {$160.00} and it's in dispute since XX/XX/2022 they will not remove this amount while it's in dispute. I've sent them the cancel check from my bank. And they are still adding interest fees to this amount. Please help. Thank you, XXXX
Consumer complaint received 2023-06-22
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. (FL)

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. 

XXXX XXXX XXXX # 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 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 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 2023-01-21
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. (NM)

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my consumer credit reports in accordance with The Fair Credit Reporting Act.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

XXXX is reporting uniformed information to my consumer report dated XX/XX/2017. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.
Consumer complaint received 2023-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Collection agency is attempting to collect on a debt that was acquired when I was a child. The debt has been reported to my credit report. I have called and mailed the debt agency and original creditor and I all I receive is a list of transactions on a credit card. I was a child when this account was opened.
Consumer complaint received 2019-12-20
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. (NJ)

On XX/XX/XXXX, after pulling my credit report, I discovered multiple accounts on my credit report that I did not recognize. On XX/XX/XXXX, I submitted my first dispute letter with a list of all the incorrect information on my report, as of today 's date XX/XX/XXXX, I have been disputing wrong information on my credit report several times. Doing my own research I had found that I should contact the CFPB for help ; Below is a list of accounts showing on EXPERIAN & XXXX that have not been removed and they are badly affecting my score : Showing on report from EXPERIAN  & XXXX, XXXX XXXX   XXXX with an alleged acc # XXXX with an alleged balance of {$410.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference ) Showing on report from EXPERIAN only, XXXX XXXX with an alleged acc # XXXX with a balance of {$0.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference )
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (NV)

I have a dispute with Conns Credit regarding this debt being expired. Instead of them correcting the error they went an updated the account with an unverified delinquent payment date to continue to report after the 7 years statute of limitations have expired for this debt. This is an intentional error and they have not corrected or provided proof of debt as requested.
Consumer complaint received 2023-01-21
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My deceased wife and I tried to apply for a refinance back in 2017 that was at a then XXXX XXXX interest rate as we were 7 months behind on the mortgage. The mortgage itself was given to HER ONLY on the basis of her XXXX check as a form of repayment. Wells Fargo came to the house, we filed the proper paperwork and was still denied and stayed at XXXX XXXX interest for a 40 year loan after 11 years of paying interest. The 7 months was added to the mortgage and had to start over. We solicited wells Fargo again, with no relief before she passed away leaving me to solely repay this now 40 year loan. I'm XXXX and will NEVER be able to repay this. This in in behalf of her and I, unfortunately she is no longer here to be at my side to see what becomes of it. ANY HELP would be very much appreciated..This loan was issued to my wife and I assumed it after we married. It remains in her name post death as they instructed me to do so.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/2022 chase auto finance opened an account. Upon looking into the installment of the loan. Ive found violations in my contract. 

These companies are in violation 15 USC 1681 602 A, I, 15 USC 1666 B 1 gap insurance 2 interest on the loan 3 the down payment on the loans 4 extra fees
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I made a deposit of XXXX Money orders of {$1000.00} which totals out to be {$3000.00}. I also made a deposit of {$500.00} cash to my bank 5th 3rd bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  location. 

The next day XX/XX/ I went online to check my online banking to pay my bills, and my account is now locked. I immediately then called 5th and 3rd banks customer service and was told that my money orders were fraudulent. I purchased the money orders from a grocery store. 

I went into the bank on XXXX XXXXXX/XX/XXXX just to get my account number to try and pay a bill until I go home and locate the money order receipts, and was also told I cant take any money out of my account or have access to my account until I bring in a receipt. 

I don't mind traveling back and forth through stand still traffic to get them but I have bills to pay and I am now late on my rent because of this. 

I have the receipts of the the money orders I just couldn't bring them until XX/XX/XXXX.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had an auto loan with XXXX XXXX, and that stated I had several late or missed payments which I never did. I also used it as a trade in and they reported it as closed delinquent account instead of paid off early which has damaged my credit report Ive tried for two years to fix and nothing.