davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

This complaint involves a line of credit that I have with Wells Fargo. The account is 5 years old. I don't remember opening the account or never used the account. I never needed the account. Every year the account did not appear on my online account except when it was time to pay the {$25.00} fee for the account. I always made the payment online. I would say that I wanted to close the account but never able to do so. I was told that if I closed the account I would not be able to reopen the account. In XX/XX/XXXXI told the person on the phone again that I want to close the account and that I never needed the account or wanted it. A few day later I saw on my online account that my credit card was closed. My credit card was separate or should have been. I surmised that the two account may have been linked. I went to Wells Fargo located in XXXX on XXXX XXXX XXXX. They could not see what had happened but managed to reopen my credit card which had a balance on it. The could not give me any information on the line of credit or close it. I didn't have an account number, credit card or check and no way to access this account. I received a letter stating that the matter had been sent to mediation. 
Later I received a welcome package. The case had already gone to mediation. I did try to contact the person who had sent the package and was told they didn't know how to reach her. 
No agreement was met in Mediation. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

Subject : Formal Complaint Against Equifax Information Services LLC for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax Information Services LLC for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within 15 days of receiving a request from the consumer for that description. 

Despite my dispute submitted on XX/XX/23, Equifax Information Services LLC has not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring Equifax Information Services LLC adheres to the FCRA. Thank you for your prompt attention to this matter.
Consumer complaint received 2020-02-29
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. (IA)

I changed my name from XXXX XXXX credit score over 800 to XXXX XXXX. I contacted XXXX, Experian and XXXX   with the proper court documents with my name change so they could merge my score from XXXX XXXX to XXXX XXXX. They replied and said they would fix it. It has not been fixed my credit history is only covering my new name XXXX XXXX. This happened because I am XXXX and the credit agencies are not reporting my credit history correctly.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, & XXXX continue to report incorrect information on my consumer report on the account listed as US DEPT ED there are several inconsistencies which means neither credit bureau took the necessary steps to ensure they were reporting accurate information. The account report 3 different ways. 

Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Creditor Type Government Student Loans Federal Federal Creditor Remarks : -- Current account/was a collection account, insurance claim or government claim or terminated for default. 
Student loan Fixed rate Term Length : -- 1 Month ( s ) -- Last Payment : -- -- XX/XX/XXXX Experian is reporting the account as a XXXX XX/XX/XXXX to XX/XX/XXXX but then the account updates to OK this can not be possible and the other 2 credit bureaus are not reporting it like that at all. The credit bureaus have failed to follow reasonable procedures outline in the FCRA.
Consumer complaint received 2020-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I have an existing account with Wells Fargo that was affected by a previous account I asked them to close because someone stole my purse while XXXX  shopping. They gave me a new account number and I have had this account for several months with no over draft of NSF 'S or anything returned and they put a block on my Account due to them wanting to close it which they said it was a business decision but also said they will be holding the funds of {$2000.00} that is my money and I went into the branch and asked them to give me my money and they will not saying it will be 10 days after the account if fully closed. I just need my money its mine
Consumer complaint received 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc. (IA)

Hello, I am writing in concern that there have been a series of complaints against Americredit ( GM Financial ) regarding the receipt of titles to cars and liens being released. I recently went to the county to try and get a copy of the title for my car. The woman at the county treasurer informed me that I was not the 1st place security interest. This car was paid off at the time of a vehicle purchase at XXXX XXXX in. XXXX, IA. That was back in XX/XX/XXXXand here in XX/XX/XXXX I can not sell the vehicle as needed. This has caused me some financial strain because I need to sell the vehicle. I called GM financial to see why the lien was not released. Two different representatives thought I was requesting a copy title from them and sent me to some website to reorder that. When I told them that there was lien they still did not understand that and still tried to direct me to get a copy title. After I slowed the rep down and really explained they still hold first place with the county she understood. Then I advised I needed a notarized copy with a wet signature showing that I own the vehicle. She said ok and tried to direct me to a the website. Where I have to pay for something that is not my error. The representative was courteous and provided a code to waive the fee.
Consumer complaint received 2020-02-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenderfi, Inc. (PA)

I applied for a mortgage on XX/XX/XXXX and the Lender has not contacted me and has not provided me with a Loan Estimate within the 3 business day requirement. 

I have left multiple messages and contacted them through their system and received not response from them. I have uploaded all the information they need for my application.
Consumer complaint received 2023-12-01
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. (FL)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a XXXX report as requested. 
Credit Inquiries : 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 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 2020-02-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation (LA)

I only borrowed XXXX from 1st Franklin Financial in XXXX Louisiana and they are making me pay back XXXX which is suppose to be insurance for a person which if they fall behind paying XXXX a month is expensive for me they told me it would help if I fall behind and then when I did they said something different if you lose your job that was not what I was told getting the insurance I was told if I fell behind now XXXX threatening me about taking my vehicle and asking me what I'm doing with my money I want to file a suit on them I have been worried, frustrated and humiliated I just want something to be done I would be surprised how they treat the other customers when they fall behind I even have tried talking to them it don't help please help
Consumer complaint received 2020-02-29
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. (WA)

I entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. XXXX has not provided a document, with each loan number listed, showing the high credit limit matches the balance.
Consumer complaint received 2020-02-29
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. (WA)

I entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. XXXX has not provided a document, with each loan number listed, showing the high credit limit matches the balance.
Consumer complaint received 2020-02-29
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: CL Holdings LLC (PA)

Around XXXX of XXXX I had a XXXX XXXX  account that I was unable to pay and it went to collections. In XXXX of XXXX Jefferson Capital Systems listed the debt as new and my credit score went down drastically. I have disputed it twice with XXXX  and it has not been corrected. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold.Please adjust this on my credit report. Also, I paid off a loan with XXXX XXXX XXXX XXXX  in XXXX of XXXX and they reported the payment 30 days late. I made a satisfactory payment in XXXX of XXXX and paid the remainder of the loan in XX/XX/XXXX. I was not late in my payment. Please also have that removed. I have tried calling XXXX XXXX XXXX and they refuse to change the reporting information.
Consumer complaint received 2020-02-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Tan Oak Financial (OK)

I took out a payday loan back in XXXX or XXXX for XXXX $ I have not been contacted until a couple of weeks ago by someone saying he was a lawyer and that I could go to jail if I do not repay because my ACH is considered a hot check and its illegal and that I had until the end of XXXX to repay the entire XXXX $ well today is the last day of XXXX its the XXXX and I have been called by this man saying hes a lawyer 5 times back to back.
Consumer complaint received 2020-02-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC (IL)

I took out my first installment loan with opploans in XX/XX/XXXX. I paid on time and never missed a payment. In XX/XX/XXXX, opploans offered to refinance the loan. In reality, they did not refinance anything. They closed the original loan and gave me more money and a new payment plan essentially rolling over the loan. Illinois law does not allow a lender to roll over an installment loan if doing so would keep the person in debt for longer than six months. This is exactly what they did. I did not know that was illegal for them to do that at the time. I stopped paying on this loan and I attempted to settle this debt in XX/XX/XXXX ( via phone call ) as I could not afford this high interest debt for the extra time they rolled over the loan. Please note, they did email me a settlement offer in XX/XX/XXXX ;  however, I did not notice the email until after the time had lapsed to accept or decline it. Now, the company has a third party law firm attempting to collect more than what I would have owed if I paid on time until this date. All I wanted to do was settle the debt and avoid dealing with this company ever again. Now, I will have to hire my own lawyer to fight the third party. The third party asked for {$2700.00} to settle this loan when it was {$1000.00} to settle less than two months ago. I attached the rolled over loan contract. It makes no mention of how they rolled over the prior loan into a new one. They did not give me {$2100.00} in or around XX/XX/XXXX or after. They gave me {$890.00}.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$710.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-02-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (WA)

I entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. FedLoan has not provided a document, with each loan number listed, showing the high credit limit matches the balance.
Consumer complaint received 2020-02-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation (CA)

I have a auto account from gold acceptance/reliant financial services that is continuing to report the the credit bureau that I owe on this account and I sent them paperwork that shows that I paid the car in full and have a release of liability and they refuse to take it off my credit report and it is damaging my credit and they are trying to collect a amount that is false as well I have the paperwork to show all this if needed
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on 12/11/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Recurring automatic payments established on the account were all processed with exception of the final payment. 

I have been back and forth with Fifth Third Bank since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. 

This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... 

I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. 

Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new Trio Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. 

The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. 

This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MO)

The number XXXX is related to Chase Bank and has incessantly been calling for several months now. These calls are to the point of harassment, and a 30sec-1m voicemail is left every time. I am a consultant and can not stress how important it is to keep my phone lines open and my mailbox as empty as possible. These calls have been disrupting my work, my emotional state and have caused a lot of distress.