davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I sent the court document on XX/XX/XXXX. Then I sent the court document with the third party agency letter on XX/XX/XXXX. 

I sent this to Experian and the company will not remove the inaccurate information. XXXX  and XXXX  has. 

Bankruptcy and all accounts associated with the bankruptcy. I sent documentation showing that the court states it doesn't provide information to the credit bureaus in a written statement. Also sent documentation showing that the third party agency states the bankruptcy was removed, but the bureau still say it's verified. How when the court doesn't provide the information and the third party removed it.
Consumer complaint received 2021-07-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.
Consumer complaint received 2015-07-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

I went in to my local wells fargo branch that is near my work on my lunch break to with draw money from a non-wells fargo account. I am a full time student and have a checking account run through my school where i receive my stundent loan refunds deposited too. Typically once my refunds are deposited i head over to wells fargo to withdraw the money and deposit the money into my wells fargo account because the bank from my school does not have any convenient atms and there are fees everytime i used the card. Well this was the first time i went to the wells fargo by my work and when i pulled up there was not a visable atm from the front. I went inside the banking center and asked the teller if there was an atm at this location and he confirmed there was one around the side. However the teller informed me that he could complete the transaction inside and i asked is it the same fees as the atm outside and he stated that they were. The teller then asked the associate next to him how to complete the transaction and the teller informed him to do a cash advance. I then asked are you sure the fees are the same as using the atm, the atm only charges me {$3.00} from my other bank and wells fargo charges {$2.00} because its a non wells fargo account. The teller reassured me they were the same. After the transaction was complete there was a {$17.00} charge on my account because the teller ran it as a cash advance. I went to the manager, the manager had the personal banker call my bank and my bank informed us theres nothing they can do. Its wells fargos fault for running it as a cash advance. I ended up being late back to work, the manager said he was going to call me and i have yet to be called. I was lied to, they wrongfully did a transaction that i did not authorize, and wells fargo stole {$17.00} from me. I asked the manager to either reverse the charge or reimburse me to fix the situation.
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-10-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been disputing this error on my credit report for the past 4 months and nothing has changed. I am now being violated as a consumer and these bureaus are causing me mental anguish by reporting inaccurate late payments on my credit report. I have never made any late payments on any of my accounts yet these bureaus are still being stubborn by reporting the 1 late payment on 14 of my student loan accounts. This will be my final attempt to rectify this situation as it is highly affecting my credit score from what it should be reflecting as currently. TRANSUNION IS ALSO WELL OVER 30 DAYS OF RESPONDING TO MY LETTER THEREFORE THE SIMPLE ITEM I AM REQUESTING TO BE UPDATED NOW MUST BE UPDATED BY LAW.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am in the process of purchasing a new vehicle and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXXXXXX... 
XXXX XXXX XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXXXXXX... 
DEPT. OF EDUCATION/XXXX XXXX XXXX. 
XXXX - XXXX... 
XXXX XXXX XXXX  XXXX... 



I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2018-05-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

experian says i owe 13 collections and gives me a XXXX score ( makes sense ) but they only show me 1 collections and the same XXXX score ( doesn't make sense ). other agencies show the same single collection on file and everything else the same with almost 100 more points to my score ... so to sum it all up, their system is glitched and betraying my financial responsibility in an extremely negative light limiting my abilities in life for no reason! Ive tried resolving this with them to just be put in a file and ignored ... this needs to be fixed immediately!
Consumer complaint received 2022-12-15
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: PENTAGON FEDERAL CREDIT UNION (AR)

I have reported these hard inquiries to XXXX as fraudulent from these companies and they have not yet been removed. I did not authorize any of the following inquires and I have a police report attached showing that my identity was stolen. Please remove the following inquires from my XXXX credit report : XXXX XXXX XX/XX/2021 XXXX XXXX Service XX/XX/2021 XX/XX/2021 Pentagon XXXX XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Dear XXXX, I am writing to inform you about a concerning matter regarding the loan associated with a XXXX XXXX XXXX After conducting thorough investigations, it has come to my attention that the loan used for this lease was obtained fraudulently. 

I have taken immediate steps to address this issue and have reported the fraudulent activity to the appropriate authorities. I understand the seriousness of this situation and assure you that I am cooperating fully with the authorities to rectify the matter. 

As a result of the fraudulent nature of the loan, I am unable to fulfill the terms of the lease agreement. I kindly request your understanding and cooperation in resolving this matter promptly. I am willing to provide any necessary documentation or information to assist in the resolution process. 

Please advise on the next steps we should take to ensure a smooth and fair resolution for all parties involved. I am committed to working closely with your team to mitigate any potential impact and reach a satisfactory outcome. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Acra Intermediate Holdings, LLC (TX)

We had a mortgage loan with Citadel Servicing Corporation. We sold our property and escrow closed on XX/XX/2021. The loan was paid in full at closing. Until today we have not received the escrow over payment refund from the lender. XXXX XXXX form the lender company called us on XX/XX/2021 to verify the new address for refund check, yet we never received any checks. After we called them several times, on XX/XX/2021 we provided our bank account info by phone for security ( not by email ) and they agreed to issue an ACH deposit. Until today XX/XX/2021, we did not receive any deposit, we called them again and the only answer we have is, " we will get back to you ''.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX  XXXX and XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 XXXX  and XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2019-07-17
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. (CA)

Ive been trying to correct my credit report for the past 4 month because theres information on my credit report that does not belong to me theres account and inquiries that ive never done and never had and the credit bureaus wont remove it from my credit report ive sent all the documents and proof to the credit bureaus that these accounts and inquiries are not mines and still they wont remove it
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MN)

I 'm writing to contest how my loan servicer is calculating the interest on my student loans. I had loans in the amount of {$120000.00} with 7 % interest. Fedloans has been servicing my loans since XXXX. I am on an income-based repayment plan. In XXXX of XXXX they mistakenly took me off IBR and said I owed the full amount of my loan payments which was about {$1400.00} per month. I called them and they said I filled out the wrong paperwork for my annual IBR recertification. I filled out the right one and my monthly loan payments were correctly adjusted by XXXX. They told me they would give me a forebearance for the month of XXXX which I could n't pay. When I looked at my statement, they ended up capitalizing all the interest in my loan since XXXX because of the 1-month forebearance. This ended up being {$13000.00}, so now my total loan balance has skyrocketed to {$130000.00}. I do n't think they can do this.
Consumer complaint received 2022-07-05
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: EQUIFAX, INC. (FL)

I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a XXXX party of any kind. I looked at my Equifax credit report recently and found an unauthorized inquiry reporting on my credit report. I wrote Equifax a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Equifax is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist in deleting the record below from my credit report Company : XXXX XXXX - Date : XXXX - Attached is the letter i wrote to Equifax in an attempt to dispute this inaccurate information. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Consumer complaint received 2019-05-03
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: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE IDENTIFIED AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-07-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BBVA FINANCIAL CORPORATION (TX)

I was looking to trade in my XXXX XXXX XXXX in hopes of obtaining a used vehicle with a lower monthly payment. I was paying XXXX via BBVA Compass Bank. I spoke to representatives at XXXX XXXX XXXX of XXXX, TX and agreed to come in Saturday the XX/XX/XXXXto meet with salesman XXXX XXXX. I specified several times that I wanted to trade in my vehicle - not only to XXXX XXXX, but to the online agents I had contact with prior to coming to the dealership. XXXX informed me that XXXX XXXX XXXX XXXX XXXX whom I purchased the XXXX XXXX from XXXX overcharged me on my loan. He then stated he was able to get me a payment for the XXXX XXXX XXXX XXXX that I was interested in for under {$400.00} a month. I agreed. However, when it came time to sign paperwork, the payments were {$400.00} through XXXX XXXX. I figured that was okay because I would be saving about {$120.00} a year. I left with the XXXX thinking everything was taken care of on the dealership side. On XX/XX/XXXX, I received a call from BBVA Compass saying my account was past due. This was shocking because I did not have the car in question in my possession. The agent informed me they never received payoff from XXXX XXXX XXXX. I called the dealership that day and briefly spoke to XXXX who stated he would look into it and call me back. He never did. So for the past month and a half, I've been playing phone tag with various representatives at this dealership regarding my payoff situation. Today, I finally spoke with XXXX XXXX who is manager of the pre-owned sales department at the dealership. He informed me that I did not agree to a trade in, there is no trade-in in my paperwork and that I have two auto loans now. I was floored. I'm on a very tight budget ... living paycheck to paycheck. Information I provided to XXXX on XX/XX/XXXX. How can I afford two auto loans? Let alone pay for a vehicle I don't even own. I really feel I was taken advantage of. No one at the dealership XXXX XXXX or the agent I signed papers with in the finance office ) told me I would be signing up for a 2nd auto loan. I was just told how much my payments would be, when to come for my registration and plates, and whom the bank is. This has affected my credit score and my mental health. Can anything be done about this?
Consumer complaint received 2019-09-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (NJ)

I lived in XXXX XXXX for 2 years. I left there inXX/XX/2018 when my lease was up. I had {$0.00} balance when I left. I recieved no letters or phone calls from them since I left. I recieved 0 notifications a debt was going into collections. I never recieved anything that said I could dispute a debt. I only found out through my XXXX XXXX account and did research on my own thereafter. I would like to get to the bottom of this and come up with a solution. Thank you.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

When I closed my XXXX XXXX Bank account # XXXX, my balance was under {$200.00} and my limit was {$300.00}, they have now sold the account to LVNV Funding LLC account # XXXX showing a diffrerent amount of {$880.00} and a different account #, I have tried resolving this account with them and the credit bureaus but no one seems to be able to help me clear up this rip off collection company.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. Your cooperation would be GREATLY appreciated.

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

2. Identity Theft CAPITAL ONE Account Number : XXXX  This is not mine.

3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  XXXX XXXX XXXX Account Number : XXXX  This is not mine.

6. Identity Theft XXXX  XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX  This is not mine.

7. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

8. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (FL)

A collection agency called XXXX shows an outstanding debt to XXXX of {$87.00}. This supposed debt was reflected before and I went through many phone calls to get it cancelled from my records -- and that took 90 days. XXXX shows no amount owing on my account.
Consumer complaint received 2019-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have the money to pay off the loan. I have been calling the bank since XXXX to pay off the loan but everyone I speak to will not help me settle the loan. They waste my time, put me on hold, transfer me, every single person verifies my identity then transfers me again, I get lengthy messages about how this call is an attempt to collect a debt when it is me calling them asking to settle the debt. I went to buy a truck and there is a USAA charge off showing on my credit for the original amount of this loan. I have had no other credit accounts in more than 7 years. The records I have for the last nine years show only 3 payments applied to principle. I have worked directly with the bank to resolve payment issues to keep the account current. I followed the payment schedule they recommended only to find nothing was going to principle. I nearly doubled my payments so that some of each payment would go to principle yet even with a few large payments to get ahead only 3 payments in 9 year were applied to principle. When I use the on line information to bring the account current and pay more than what shows due the account remains in past due status and nothing is applied to principle. I called the bank to ask how much needed to be paid to bring the account current and still the account was always behind. This bank has called me in the middle of the night, on holidays and six times in a single day while I was at work to harass me about this loan. The balance they asked for to pay off the loan is higher than the current statement balance and barely {$100.00} less than 9 years ago. {$17000.00} today down from XXXX in 2010 and up from XXXX in XXXX of this year. The bank has offered assistance and used that assistance to manipulate this into a never ending loan. I wish to negotiate a reasonable pay off. This started as a XXXX loan to repair the roof and paint the house I purchased. Based on all interactions with this company I can not make another payment on this loan until I have a clear written agreement that the bank will honor this payment to actually settle this debt and restore my credit to reflect the years that I have made payments to keep this loan current.