davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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. (NY)

Hello, I paid my XXXX XXXX XXXX card in full on XX/XX/XXXX. 
On XX/XX/XXXX, I was charged a {$2.00} interest charge in XXXX was charged a {$14.00} late fee for the {$2.00} fee, which I was not aware of. XXXX XXXX XXXX reported my account 30 days late, which had been in good standing and completely paid in full in XXXX. I have had the account since XXXX and have never been late ; I immediately contacted them and paid the fee once I was aware of this on my credit report. They replied and apologized for the misunderstanding and agreed to remove the 30-day late report on all three credit bureaus reports. I submitted a dispute with Experian, and they said they investigated but then went on to close the dispute and leave my account with a thirty-day late report for XXXX. Had they done their due diligence, they would have received a confirmation of resolution from XXXX XXXX XXXX stating that the account was actually not late. But they closed the dispute in error. This has affected my credit by XXXX points for a 30-day late report, and my credit went from XXXX to XXXX! I have submitted the support letter from XXXX XXXX XXXX, which states that it was a mistake and will correct and report to all three bureaus ; however, XXXX refuses to acknowledge my letter. I feel discriminated against and mistreated. I am asking that my account be corrected to reflect no late payment in XXXX and add the points to my report accordingly. 
This is the message I sent to XXXX XXXX XXXX, and attached is their reply to me : To whom it may concern, please consider removing my late payment from my credit report. 
In XXXX, I paid off my balance in full. I was charged XXXX for interest. I was unaware of this charge ; therefore did not pay it on time. It was reported as a late payment. I have never paid my bill late and always paid more than the minimum. This late reporting has affected my exceptional payment history, and I would appreciate your consideration of the matter. This late was on XXXX of interest charged after being paid in full. Thank you. 
I would greatly appreciate assistance with this matter, I am a XXXX XXXX XXXX, and my credit is essential. Thank you.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MN)

On XX/XX/21 my husband and I wanted to open a Home Depot credit card under his name only. The associate quickly asked if I wanted to be added as a contact on his Home Depot account, and I said sure, and gave her my name and phone number. This is the ONLY information I provided her with. My husband also confirmed later that this was all that was said in this quick exchange. I was made to believe that I was simply being added as an additional contact person to his Home Depot account. She did not in any way disclose that I would be a joint applicant on the credit card and that this would result in a credit check and being associated with the credit card, or I would have declined. How was I even added as an applicant from simply giving my name and phone number???

We just purchased a home and I was the primary applicant, so this additional credit check and new credit line opening under my name so soon after our home purchase made my credit score drop 37 points! We used this to purchase flooring and other supplies ( totaling {$2800.00} of our {$5000.00} credit limit ), so spending over half of the credit limit contributed to such a steep drop in my credit score. It literally shows on my credit report that the day this Home Depot credit card was opened is the day my credit dropped 37 points ( this was after it had already dropped a few points from our mortgage and is in no way associated with the home purchase ).
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (PA)

My name is XXXX XXXX. I paid off the balance with Affirm and sent in all the paperwork stating that it was paid off. They sent the balance to a different company XXXX who has also been paid off in full. I paid this balance in XXXX and have been trying to get them to get this off my credit or confirm that I have paid. The confirm that I paid but refuse to do they part. Its has been 6 months and they are paid but will not report such. Please if you can help me with this. Im in the process of buying a home but this is holding we up.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

MERCHANTS CREDI/ XXXX # # # # # # XXXX CHARGE OFF is illegally accusing me of owing them {$1000.00} this account/debt was written off/canceled by the original party and sold to Merchants credit guide for a profit. I never had an agreement with Merchants credit guide. I also never recieved a 1099c form after the account was canceled by the original parties. By law, any debt canceled by the party is now considered INCOME. After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. I NEVER RECEIVED THE 1099C EVEN THOUGH THE ORIGINAL CREDITOR HAS FILED TAXES ON THIS ACCOUNT AS A LOST AND COLLECTED COMPENSATION FROM MERCHANT CREDIT GUIDE TO RELEASE THE ACCOUNT. THAT IS ILLEGAL AND I WILL FILE CHARGES IF THIS ACCOUNT IS NOT REMOVED FROM MY CONSUMER REPORT. INCOME IS NOT APART OF A CONSUMER REPORT. I HAVE THE RIGHT TO CLAIM THIS ACCOUNT AS INCOME.
Consumer complaint received 2023-06-10
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: Resurgent Capital Services L.P. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/2023 Compliance Department XXXX XXXX Attn : Compliance XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : LVNV Funding LLC ( LVNV ) Account Number ( s ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

As a married couple, in XXXX, XXXX XXXX XXXX and I purchased a house on XXXX XXXX XXXX, XXXX XXXX, NV XXXX. XXXX ; XXXX. When we got divorced in XXXX, I was ill-advised by a lawyer. I signed a " Quit Claim '' for the house and I moved out of the house, thinking that was the end of my obligation. Since then, XXXX got disabled and could not pay the mortgage. 
The house was on the brink of foreclosure. 
Despite the " Quit Claim, '' my name was still on the mortgage and thus I was responsible for the mortgage. I paid all the overdue mortgage at that time to avoid foreclosure, and XXXX requested " loan modification '' so that he could manage payments. Wells Fargo refused. In XXXX, Wells Fargo was about to foreclose the house again. In order to avoid foreclosure, I had to sell the house for {$120000.00}, way below market value, on XX/XX/XXXX. 
XXXX owed {$60000.00} for a back payment. However, with an absorbent late fee, I had to pay off {$74000.00}. 
Since then, XXXX passed away. 
Wells Fargo took advantage of poor people like us and mishandled mortgages. Due to their refusal of the mortgage modification, XXXX and I lost the house.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

While banking with Wells Fargo, I was on several occasions charged overdraft fees on my checking account. This is while I payed for overdraft protection. I ended up essentially being banned from Wells Fargo for refusing to pay what were exorbitant fees that often stacked up. 

Then there was the issue of Wells Fargo giving what were ultimately temporary refunds for items that I reported difficulties getting my refund for whatever reason. Often XXXX a pain and its easier to make a claim with your bank. XXXX XXXX marketing on the refund policy is misleading at best. Ultimately what triggered too many of my overdraft rabbit holes, were temporary refunds being retracted, which would overdraft, and start the madness. I rarely was ever able to get maybe one fee removed but the rest would be mine to pay, they make it seem like youll be protected, and the give you the refund just to take it back, usually after youve spent it,
Consumer complaint received 2020-08-03
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. (LA)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXXXXXX XXXX XXXXXXXX {$740.00} XXXXXXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX  XXXX {$420.00} XXXX XXXXXXXX {$700.00} XXXX XXXX {$630.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX   XXXX {$290.00} XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2019-12-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WELLS FARGO & COMPANY (WI)

This company while in contact with me went behind my back and set a court date when they already were speaking with me and were provided continued proof of receipt of government assistance. I asked them not to contact me or my work unless about settlement because they were so unreasonable and making the debt amount so high that I felt like ending my life. I have XXXX kids I can barely provide for. They made my employer with their garnishment threats treat me like garbage. This company is greedy has no regard for human life. They constantly set court dates and provide outrageous attorney and interest and other charges to make money of people that don't have any. It's disgusting. Tell my children why you won't settle for half of original apparent amount and why you threaten people when they are not able to fight back.
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: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-01-21
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 (NC)

I have a checking account and I always pay my bills such as my light bill. But the bank pulled it as fraud. It wasn't fraud it was my light bill. Now I'm paying for it. Then they let someone try to deposit a check in my account. Now I'm being charged for that.
Consumer complaint received 2024-03-18
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. (OH)

I am writing to follow up on my previous dispute regarding inquiries on my credit report that your agency has failed to address and remove. It has come to my attention that XXXX was able to promptly address and rectify the inquiries that I raised to them simultaneously with the inquiries I brought to your attention. However, your agency has not provided the resolution that I anticipated.
Consumer complaint received 2018-03-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (FL)

The company XXXX/Equitable Acceptance Corporation is a scam. Here 's why. 

I received several calls on my personal cellphone over the course of 2 months from the phone number ( XXXX ) XXXX but never answered. A machine left a voicemail each time on my phone stating " You have an urgent issue with your student loan account. '' I would log into my student loan account and nothing was wrong. 

On XX/XX/2018 at XXXX I received a call from ( XXXX ) XXXX and they left another voicemail but this time is was an actual person talking. They said " Hello this is XXXX, and I would like to discuss with you a reduction in your student loan. The federal funding of supporting any weight or balance of your loan may expire very soon ... So it's pretty urgent that you give us a call. '' At XXXX I gave them a call back and they mislead me to believe that I could qualify for a reduced loan payment along with a 10 year limit to my payments. After 10 years, the government would forgive my student loans. They said I would only have to pay {$30.00} a month for 10 years with a {$49.00} recurring fee for the first year. XXXX sent me the paper work in an email and I signed. The company name on the documents was XXXX. 

I later realized after talking with my boyfriend I was scammed. This student loan service was going to take a down payment of {$270.00} from my checking account and a recurring fee of {$49.00} a month for a service that is free from the government. Thankfully I caught this before the 3 day cancellation policy.After 3 days of signing they would not be able to cancel the service. The forms and paperwork are all attached.
Consumer complaint received 2022-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to access my transunion file to unfreeze my credit and its not allowing me it say unavailable. I am not getting any help from representatives
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX I sent a letter to Equifax disputing a bankruptcy they are reporting on my credit report. On XX/XX/XXXX Equifax sent me a letter stating they confirmed the bankruptcy with XXXX and that it was accurate. 

I have a letter from XXXX dated XX/XX/XXXX that this bankruptcy was deleted from my account. 

Equifax can not verify an account that is not there, so they lied and did not accurately verify this account. Since Equifax has violated the Fair Credit Reporting Act, I want them to immediately remove this inaccurate account from my report.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was unemployed, and asked to be switched to Income based payments. XXXX instead put me on forbearance and causing me to incur interest and late payments on my credit score. Having a significant negative impact on my credit score. If I had be put on the Income Based Repayment plans, I would not have incurred more interest and not have missed payments on my credit score.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (MI)

On XX/XX/XXXX Key Bank NA processed a check that was dated XXXX XXXX XXXX which was then sent through our Bank XXXX XXXX XXXX. I spent XXXX years in the banking industry and realize that XXXX processes what they receive on the Fed file and the issue is with Key Bank XXXX I contacted XXXX Bank customer service and they transferred me to a local branch in XXXX XXXX The branch rep I talked to could not ( would not ) tell me which branch processed the check or what their policies were on stale dated checks. My wife has a XXXX person interior design business, XXXX XXXX XXXXXXXX, and the records do not go back to XXXX. My banking experience tells me that most organizations will not process checks over 180 days old. My other concern is for expiring stop payment orders... do I need to close my checking account for fear other stale dated checks may be processed without warning? Thank you for reviewing this matter.
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 — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (PA)

We filed for bankruptcy and that was over 15 years ago and it was discharged but it still stayed on my credit report despite asking for it to be removed and then they sold our mortgage right after that. So nothing was ever done about it and the mortgage companies we have keep selling our account. 4 times and on the statement still shows bankruptcy therefore we are getting bad rates. All because of this. I never missed a payment as it came out automatically from my paycheck.
Consumer complaint received 2019-12-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fairway Independent Mortgage Corporation (GA)

Promissory note was sent to the company and accepted ... never returned, the XXXX XXXX XXXX XXXX  is a third party, I have no bilateral contract with XXXX XXXX XXXX XXXX, does not have the right or authorization to foreclosure, they are not power of attorney because all previous power of attorney was revoked in XX/XX/2019, no right to assign, loan was bifurcated, violations of 15 USC 1692, fair debt collection practices act, the GAAP Act, Deceptive Trade Practices Act, the Georgia Residential mortgage fraud act by creating false document without authority and is the the original creditor, never loan any money or gave value to be able to attach to collateral, violation of UCC Article 9, request name and address of Original creditor by way of securitization transaction audit on mortgage for proof only. Not a party to promissory note. Talked with them and said they were waiting to accept the promissory not, never returned and is being traded because never returned and trying to steal my house in fraud. I will not accept any thing but a forensic audit from non affiliate of XXXX XXXX XXXX XXXX, and cease and desist from debt collection or threats to sell my he without legal or equitable title as all power of attorney to able to create any Deeds to conveyance of my home. In accordance with 31 US 3123 the secretary of the treasury is supposed to pay all obligations of the public debt because u can not pay a debt with a debt instrument. And the note was sold illegally and not assigned.