davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

In 2005 I entered into a Smart Fit refinance loan with Wells Fargo Bank. Under the agreement I was to pay just the interest on the principle. At the end of the XXXX years they automatically rolled it into a XXXX year fixed mortgage at a 6.05 % interest rate. They have no record of contacting me about the change. As if this were not bad enough they want {$660.00} per month for XXXX years on a {$55000.00} principle amount. All calculations I find at this interest rate on the principle come to only an average of {$440.00} per month. My online account does not show the conversion to a XXXX year mortgage nor does it breakdown any detail of what is included in the payment. Only referring to them as fees and charges. All correspondence with Wells Fargo has gone no where.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2022-05-16
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. (SC)

In accordance with the Fair Credit Reporting act theses XXXX Accounts, 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 Experian accounts : 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America has sent me information identifying that XXXX XXXX Banking accounts were opened in my name. First occurrence was receiving emails in XXXX XXXX  that the accounts were successfully opened, then email notifications that the email address as been changed. Then I received mail a few weeks later with the banking information. I went to a local Bank of America branch ( located at XXXX XXXX XXXX XXXX XXXX, SC XXXX ) and spoke with someone there about getting those accounts reported as fraud and closed. I am still receiving statements as if the accounts are still open. There were a total of 2 accounts opened in my name, with my SS number, even with my credit being locked/frozen with the top 3 credit bureaus ( have been locked since XXXX ). All accounts show a {$0.00} balance and when I spoke to the employee at the BoA branch, she made this comment ; " you're like the 10th person to come in here this week about this. '' I'm honestly surprised there has not been more information released about these fraudulent accounts being opened. I also am not a Bank of America customer.
Consumer complaint received 2022-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

On XX/XX/2022 the full invoice amount of {$170.00} was sent to XXXX. This payment was the exact invoice amount per the fedex invoice received. On XX/XX/2022 a call was made to Transworld Systems INC stating that the debt had been paid. 

On XX/XX/2022 XXXX XXXX made a call to Transworld Systems Inc and was informed this was a debt fee and not the debt itself. This debt was disputed on the phone but no physical record of the result was sent to XXXX XXXX. 

On XX/XX/2022 a new letter from Transworld Systems inc was sent to XXXX XXXX ( XXXX # XXXX ) stating that {$25.00} was due. 


No payment was ever made through Transworld Systems and this fee is excess to the original debt that was already settled. 

In addition, XXXX was called on XX/XX/2022 and they stated the account was fully paid already.
Consumer complaint received 2022-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc. (NY)

AMCOL SYSTEMS, INC ( Original Creditor : AMCOL SYSTEMS , INC ) has failed to send me a response with my requested information for alleged collection account XXXX the first XXXX initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore AMCOL SYSTEMS INC is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2023-02-10
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. (NY)

I noticed on my credit report that my student loans were being reported twice. The old loan was being managed by DEPT OF ED/XXXX for a few months and then that account was " sold '' to XXXXDEPT OF ED. Both Loan servicers are listing this as an active account with a balance of {$59000.00}. This DOUBLES my loan amount which is inaccurate. DEPT OF EDXXXX  should have listed this account as PAID OFF/CLOSED when it was sold to a new loan servicer. This will negatively affect any efforts I to apply for credit as my student loan amounts are DOUBLED FALSELY
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-10-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: H. Kent Hollins, Attorney at Law, P.A (UT)

kent hollins XXXX is threatening my wages and my employeer for something that i have no idea what it is a gas station back in 2002 they are trying to get XXXX from me they are well beyond the statute of limitations XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.

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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IA)

I called in XX/XX/2021 to cancel my account with Citi because I did not want to pay the annual fee ( {$95.00} ). The customer service agent on the phone offered to provide a credit in the amount of the annual fee, plus would provide XXXX points if I met a spending requirement. She phrased it as {$3000.00} over the course of three months. Citi did not send me any confirmation other than one that said that I would keep my account open. 

Two months later, I checked with Citi about this issue, because I had met the spending limit as explained to me. The agent, over Citi 's app, told me that the offer was not {$3000.00} over three months, but {$1000.00} per month for three months. And the point bonus was not XXXX but XXXX. It is possible that the agent I spoke to over the phone in XXXX was mistaken but I am not. I did not care that much about the points, though, and assumed I would be able to meet the required spending. 

This weekend I noticed that I had not received a {$95.00} credit. I checked with a Citi agent, who told me I had failed to meet the requirements. This is, for one, not true, because all my statements totaled over {$1000.00} since the start of the year. But it also is not true because I managed to spend {$3000.00} over three months as required by the original offer.
Consumer complaint received 2022-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I'm a XXXX. They were hiring me to XXXX XXXXXXXX for a company. I looked up the company and it was legit. She was impersonating an event coordinator and sent me a prepaid check of XXXX dollars. It cleared my bank account. I checked and the money was there. The excuse was that the event had been canceled because of covid restrictions. They let me keep XXXX dollars and asked me to zelle the accountant for the company back the {$2000.00}. My bank was blocked. The money left my bank account and their check bounced or was canceled. Neither zelle nor XXXX XXXX have any steps or protection for fraud. I'm left owing the bank back {$2000.00}.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-05
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. (WI)

XXXX, XXXX, and Experian are all reporting a bankruptcy on my credit profile which XXXX XXXX  deleted. I received bankruptcy letters from the courts stating that they do not submit information to the credit bureaus and I sent that same letter to XXXX XXXX and they deleted it from their system. I notified the all three credit bureaus multiple times and gave them the letters from the bankruptcy court and XXXX XXXX but they still are reporting.
Consumer complaint received 2022-05-16
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. (TX)

The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing options.
Consumer complaint received 2022-05-16
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. (CA)

in accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AD JUST has violated my RIGHTS. 

15 U.S.C # 1681 SECTION 604 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.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-16
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. (MD)

I applied for a XXXX credit card on XX/XX/XXXX and got a hard inquiry on XXXX and one on Experian. I got a letter dated XX/XX/XXXX telling me I would have to call XXXX XXXXn the next 30 days to verify some information or else my application would be cancelled. And so the next week I called, verified some information, and then got approved. The only problem is that XXXX made another hard inquiry on my Experian credit report. Now I have two hard inquiries on my Experian credit report for the same credit card application. I tried filing a dispute with Experian, but they're not abiding by the FCRA and told me that I would have to contact the furnisher directly because Experian 's records are already accurate based on the information the furnisher provided ( which negates the purpose of a reinvestigation and their role in forwarding my dispute to the furnisher ). And so I initiated my first dispute through the phone with XXXX and I received a letter dated XX/XX/XXXX explaining that I would need to provide more information via mail. So I sent a letter describing the nature of my dispute and received a letter dated XX/XX/XXXX explaining that I was not clear enough and would need to send another dispute with better clarity. And so I did and received a letter dated XX/XX/XXXX explaining that XXXX found the hard inquiry made on XX/XX/XXXX to be accurate. I called XXXX in disbelief and they told me that they have a 30-day window before needing to hard pull my credit report again, which I missed by two days. I asked why it couldn't be a soft inquiry and they said it doesn't provide the same information, when in reality it does. I then asked why they took so long in sending me the letter that tells me to call them within 30 days ( which didn't match the 30 days before a new hard inquiry would be made ) and they said they've tried contacting me through other methods, which is not the case. The letter that told me to call them within 30 days only gave me a week after receiving it to avoid a second hard inquiry. I at no point started a second credit card application and these two hard inquiries are for the same credit card application.
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

Trying to communicate with Equifax to temporarily lift a credit freeze I have on account with them & I can not contact anyone either on-line or by phone since XXXX and its currently XXXX. I provided a call back number as they suggested, and they have not called back. I tried on-line and it states that they could not help me at this time. 
I had no issues with XXXX XXXX or XXXX temporarily un-freezing my accounts on-line but Equifax has not been available on-line or on customer service phone. 
Very poor service and client support. Highly inefficient in this day and digital age.
Consumer complaint received 2022-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (GA)

I purchased a new XXXX last XXXX, which went into the shop the following day for warranty issues, where it stayed for months, and ended up being a lemon. The process took far longer than they said it would, and I continued to make payments on my car loan to stay current. After the process was finally completed, they paid off my car loan, which was through XXXX XXXX, also know as Hyundai Finance, with an overpayment in the amount of just under {$4000.00}. I called after three weeks went by and hadn't received anything, and they told me it could take up to 6 weeks. I don't understand how processing a refund could take XXXX weeks, but I waited the addition three weeks and called back, and they still had not processed anything. I waited a seventh week and called back again, and they still had not processed anything. I asked them if they would be paying me interest on my money that they are holding, and they said no, which is wholly unfair, since I had to pay them interest to borrow their money. It is almost 8 weeks now, and they still have not processed my refund. If there is no regulation requiring them to process refunds in a timely manner, I would be shocked, and there should be. Hyundai needs to stop stringing me along and pay me the money sitting in my account, which was paid above what was owed on the vehicle.
Consumer complaint received 2022-05-16
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. (IL)

Credit card account information was posted without my authorization, not to mention XXXX of them were paid in full, as a result of the informaton being on my credit report it has impacted my ability to find a place to live, all three credit bureau 's have violated my rights, and this is grounds for removal according to 15 USC 1681, section 602 A, which states, I have the right to privacy, and 15 USC 1681 - 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions so therefore they used my information imporperly.