davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Kohl 's is reporting inaccurate information to the credit bureaus. They are stating that my payment for the month of XX/XX/2019 was late. I contacted Kohl 's on the day after because I got a notification that the payment was late and that a late fee was applied to my account. I contacted Kohl 's and the representative waived the late fee and explained that it is possible that my payment posted late because it was drafted from my bank account late. I asked the representative if this would be reported to the credit bureau and the representative said that it shouldn't. Now I have been disputing this since XXXX of this year and Kohl 's still chooses not to remove the inaccurate information. I have since paid the account off and they are still reporting.
Consumer complaint received 2019-12-29
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. (FL)

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX  XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my Equifax Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The Equifax Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. Equifax makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXXon account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened ''  for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and XXXX, Equifax, and XXXX  stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from XXXX, Equifax, and XXXX.
Consumer complaint received 2019-12-29
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. (FL)

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX  XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my Transunion Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The XXXX  Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. XXXX  makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX  N.A.on account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened ''  for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and XXXX, XXXX, and Transunion stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from XXXX, XXXX, and Transunion.
Consumer complaint received 2019-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On or around XX/XX/2019 we had applied for mortgage assistance due to loss of employment. We were current on payments throughout the process and received responses to our application for mortgage assistance in mid XXXX. By that time, we had found employment, so we were no longer in need of the mortgage assistance. The unfortunate part to us exploring this, is, that we think that as a result of the application for assistance, it triggered a review of our escrow account in which we had always managed the payments on our own for taxes and insurance. Due to this, our regular payments were applied to the escrow account and not our regular payments. These actions caused us to show as delinquent on the account. I had tried to resolved this several times by leaving messages, talking to several processors to be told it would be resolved. I also wrote in through the website to get this resolved. Again, we were never delinquent so I'm still not sure what triggered the escrow review to begin with as we have also never been delinquent on hazard insurance or property taxes. Now, because of the misapplication of funds into our mortgage to the escrow account, it has caused incorrect reporting to the bureaus and notations on our credit file that are incorrectly showing paying under and agreement.
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/year>, wire sum of {$20000.00} was sent to Wells Fargo for an automobile purchase. XXXX and I have flagged to Wells Fargo the day the wire was sent to retract the funds and that the company is fraudulent. Wells Fargo confirmed the transaction and message sent with XXXX but then after, it has been silence from Wells Fargo. XXXX and I have called numerous times and messages to no response from Wells Fargo. I have also filed an fbi, occ, ftc, and local police report too. Thank you for your time..
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I applied for loan forgiveness via PSLF and under the waiver. I consolidated to direct loans in XX/XX/2022 and submitted my ECFs for XXXX payments made under a prior repayment plan with XXXX. I have been waiting, so called MOHELA ombudsman to see if there was anything missing. The supervisor told me I had to be in an income-driven repayment plan for my counts to be evaluated by dept of ED and my counts updated and made me apply over the phone for IDR. She also made me send in a new ECF for XXXX 2022. I'm already way over XXXX payments and have approved employer. Now I feel like I am starting over and have to reapply at the back of the line, when i applied for the waiver and submitted all my ECFs in XXXX. The waiver information clearly states you can apply for forgiveness if you are on the wrong payment plan. I was on the graduated payment plan after consolidation because I was told it didn't matter.
Consumer complaint received 2019-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I submitted a payment amount for the total of {$140.00} to Best Buy Credit Card Master Card. This is the first day of the new billing cycle for this account. I submitted the minimum payment as outlined by the website when I logged in to my account. Over the course of several weeks I continued to check the website. It reflected the minimum payment was made and then on XX/XX/XXXX when I logged in it showed and new minimum payment due of {$130.00}. 

On XX/XX/XXXX at XXXX XXXX  I spoke with a representative and customer service supervisor regarding this. They explained to me that the payment made would count as an early payment because I made the payment before the bill was posted to my account even though the payment was on the first day of the new payment cycle and that the website had been updated to reflect the new balance due. 

I was then transferred to a representative in another department. You stated the only solution they have would be to have the payment reversed and then complete the payment again. The representative stated she would do as described and that the process can take up to 7 business days. As of the filing of this complaint the payment has not been reversed, nor has the issuing bank, Citi, for this credit card applied the payment made on XX/XX/XXXX in such a way that fulfills the minimum payment due on XX/XX/XXXX.
Consumer complaint received 2022-06-15
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. (WI)

have multiple Hard Inquiries that I did not authorize. The company of the inquires and dates are listed as such : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

Date of Purchase : XX/XX/2020 I was trying to purchase a XXXX  online from a site I thought was a legit XXXX site, I learned afterwards it was not legit- the site was XXXX. When I went to purchase, I did not want to use PayPal tried to use another payment method but the site did not allow me to back out and it took my payment via PayPal. I logged into my PayPal account and knew immediately it was a scam. It went to a seller named XXXX XXXX attached to a XXXX account. I contacted PayPal to cancel the transaction immediately and they could not cancel it because of some unspecified reason. I went to my bank and informed them of the fraud. I have screen shots of the fake XXXX  site ( which does not exist anymore since the seller keeps swapping out the sites ). On XX/XX/XXXX PayPal sent me a message stating the seller shipped the item on XXXX, had a fake UPS tracking number and a message that the package was 'released by driver ' ( I never authorized any package to be delivered without a signature ). PayPal insists that I get an 'intranet form ' from XXXX XXXX XXXX is saying they can not track such a thing- and to complicate it further the package was sent via XXXX XXXX which states I can not put a tracking claim on this package. PayPal is participating in the fraud, by not honoring their purchase protection for consumers. They are protecting the seller and profiting off the scam since they take a cut of all transactions. Claim is the package was shipped on XX/XX/XXXX and was delivered to my town on XX/XX/XXXX to an unknown destination. I have attached screen scans of the XXXX  ad ( which I now know is not legit ) and the info of the whois attached to the XXXX site which is not up and running, it's attached to a web designer site.
Consumer complaint received 2019-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Experian reinserted XXXX XXXX XXXX XXXX {$5800.00} and XXXX XXXX XXXX  {$490.00} without giving me a 5-day notice which is required by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 

Both of these accounts were blocked on my credit file and I also sent my FTC Report Information XXXX several times so Experian is aware of my Identity Theft issues. 

There is also 10 inquiries that were deleted and re inserted
Consumer complaint received 2019-12-29
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)

On my Experian Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The XXXX  Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. XXXX  makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX  XXXXon account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened '' for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and Experian, XXXX, and XXXX  stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from Experian, XXXX, and XXXX.
Consumer complaint received 2020-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (OR)

Hello, My name is XXXX, I have received an email twice one from XXXX and one from XXXX, which i have never request a loan to this speedycash! Please help me with this scam collecting company! They using speedycash Business logo to get money from me!! My identity has been stolen and This is not my debt and I have never get money from this place!! 
They should Stop harass me on treating me on take legal action against me! 
Thank you so much! 
Sincerely, XXXX
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score  on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Navient via email and phone, I kindly requested a Borrower Defense Repayment Form, and for some reason, are misleading me and denying me to kindly email me, the form, On many occasions via phone and email, I requested and have made false claims, Last year I requested, and just yesterday, they keep saying I don't qualify,
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (MD)

COMPLAINT AGAINST XXXX XXXX On XX/XX/XXXX, I paid {$150.00} as monthly payment to my XXXX XXXX account and on XX/XX/XXXX, I paid {$180.00} being my balance on my card.After processing the deposit of {$180.00} my balance was XXXX in terms of payment and my credit card balance was $ XXXX.Since that date there was no further transaction on my part. In XXXX I noticed a charge for a late payment of which I confronted them over the telephone. They explained to me that I did make any payment on XX/XX/XXXX which of course I did. Later they withdrew {$15.00} late payment of which they have already taken {$35.00} as late fee. What about the remaining $ XXXX I also saw another charge of which I asked them and they informed me, it is the yearly charges. I disclosed to them that since I paid all my balance, I have not engaged in any transaction so why charge me yearly charges at that time. I asked them to show me previous dates that I have been paying the yearly charges but they could not provide me the information. I later received a mail from them that I have a new balance of {$150.00} and that I should pay a minimum payment of $ XXXX that I should pay today XX/XX/XXXX.Yesterday I then checked my account online and saw changes that are quite different from the mail I received. On my online account I now have a new balance of XXXX and that I should pay $ XXXX on XX/XX/XXXX XXXX.Why the sudden changes? Why the information in the mail is different from the information that is on my online account. So between XX/XX/XXXX when I paid up everything with my balance standing at $ XXXX to now XX/XX/XXXX without engaging in any transaction, my credit balance is XXXX.Now I see on my credit report a balance that is to be paid by them after I have already closed my account. I did similarly with XXXX XXXX XXXX and they did not come back to be stating that I owe them.
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion is reporting a Chapter XXXX on my credit file from XX/XX/2013. My daughter and I share the same name. I have advised Transunion this is not my Bankruptcy. Please verify this information correctly. And advise how it was verified. This Chapter XXXX was filed in XXXX XXXX Nevada in XX/XX/2013. I have resided in XXXX, Al all my life. This is not my BK. For 6 years Transunion has ruined my credit I'm going to hire a Attorney for damages if this isn't removed ASAP
Consumer complaint received 2020-06-09
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. (LA)

i am a victim of identity theft i have fraud account on my credit report i have reached out to all 3 bureaus to have this matter resolved no results this has caused a lost of job and other issues please help
Consumer complaint received 2019-12-29
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. (IL)

Enclosed identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.