davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX renewed a joint loan with me and my husband, upon approval we were told we had to consolidate a debt I had at the time with XXXX and they issued funds to us minus the amount I owed XXXX  They said they would be printing an issuing a check to XXXX  billing directly and that we didnt have to deal with anything else. The loan with XXXX was opened XX/XX/XXXX in the loan documents it shows amount paid directly to us and amount paid to fingerhut. I have submitted disputes for XXXX which hve been returned as denied. XXXX finance has misreported the balance due to the credit bureaus and has still been reporting negatively even after we agreed to payments with a debt collector. The debt is now almost paid off totally but XXXX misreported the balance XX/XX/XXXX and reported as charged off showing as charged off even when payment agreements were made and started in XX/XX/XXXX. There was a lapse in employment but payments have been resumed and debt is almost fully paid off showing current balance of {$300.00} with the court docket. But my credit reports span from $ a little over {$900.00} and {$1500.00} and XXXX and experian will not accept new disputes with document proof since I disputed the debts previously. 

XXXX never received the check thats disclosed on loan documents and it has also negatively affected my credit reports.
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In response to another CFPB complaint that was filed about Bank of America 's predatory XXXX reporting before attempting to collect a debt, I was contacted by the bank 's Regulatory Complaints Servicing department this morning. As you will hear in the attached recorded phone call, I informed the bank that I was located in a one-party state, and that I could therefore record our phone call without their consent or knowledge. The bank representative, XXXX, told me that she couldn't talk to me because of BofA policy. I attempted to explain to XXXX that BofA policy could not preempt state law -- despite the bank 's pattern of feeling above the law -- but she insisted. Before the call comes to a close, I requested an email with XXXX 's full name and phone extension, as I was driving and was unable to write down her contact information. She told me she was sending it " right away, '' and in keeping with the Bank 's pattern of deception and fraud, she did not actually email me. I have no way of getting in touch with the representative who is supposed to be overseeing my CFPB case, because she did not send me her contact info as promised in the attached recording, and when you call the inbound number for the Regulatory Complaints Servicing department, you need an extension to reach your representative. Bank of America is not able to preempt state law with their corporate policy, and I have the right to be able to discuss this complaint with the bank before filing a lawsuit.
Consumer complaint received 2019-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

Keep trying to get on an income driven repayment plan. They put my loans in forbearance and I can't find where to apply. I've asked multiple times to send me the link. I get a link but then can't find where to apply. It's just a link of f.a.q.s
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: T.S. Holdings (CA)

The company is IQ data and they are still taking my money after disputing and they have proof they its waived off and its under process and they are threatening that non-payment within 15 days would affect my credit score! 

Her name is XXXX XXXX and my account number is XXXX. 

And during the pandemic she is not waiting to see the final dispute result instead threatening me. 

Their number is XXXX
Consumer complaint received 2020-09-23
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020,, Continued Issues,, Just Heard About The ( BIG ) Matter About Mr XXXX,, Ceo,, of Wells Fargo Bank,, Even If He Did Make This Very,, BAD, ) Comment This Can't Change He Meant What He Said,, And It Is Very UnAcceptable Behavior At This Company,, I'm A Loyal Customer At This Company,,,, So I Feel So Upset About This Matter,, He Too Should Be Fired,, ASAP,, This Is Not Forgiving At All,, He Really Makes The Company,, MESSY,, Too,, ( Quote,,, What Kind Of Business Is This,,? What Matter Is He Said It, and This Can't Be Taken Back At All,, What Is The President Saying About This Problem???
Consumer complaint received 2024-02-05
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: Experian Information Solutions Inc. (GA)

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 2022-08-17
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Equifax Employer : XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 Name XXXX XXXX XXXX XXXX Employer XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-08-17
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)

I have called XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  a couple times asking them to check on a credit card that was opened fraudulently. I gave them my personal information and they told me my info doesn't match with what they have. It proved that my identity was stolen and use to open this credit. I also called Transunion XXXX and told them my situation. I have filed 2 complaints with Transunion and both times I was told this credit card was mine. Transunion told me they have sent my info over to XXXX XXXX XXXX bank and that it matches my personal information, but when I called XXXX XXXX they tell me a different story. I want to clear this because I know I did not open this XXXX  XXXX  and it has really impacted my credit score. I also took extra steps by freezing my credit.
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.
Consumer complaint received 2019-01-15
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: U.S. BANCORP (NC)

On XX/XX/XXXX I made payment to US Bank to satisfy my vehicle loan and resulted in a XXXX  balance. I have been trying for a week to get the Lien released so I can sell the vehicle. All payments have cleared the bank and they committed to me to have the lien released electronically within 24-48 hrs when I called on Wednesday the XXXX  of XXXX for an update. My state DMV uses an electronic title process and as soon as the bank clears it I can have it. I have received poor customer service and many of the staff I have talked to at the bank have given immaculate and misleading info. With my mom satisfied I feel like my personal property is being held hostage. They not only have my money from satisfying the loan but they have a lien so I cant do anything. Please help me resolve.
Consumer complaint received 2021-07-15
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. (CO)

Transunion, XXXX  and XXXX  are all reporting incorrect balance on my auto loan with XXXX. In addition to making all regular payments on time. I've made multiple PRINCIPAL payments to expedite paying down the loan. Each credit reporting agency is reporting a loan balance of {$12000.00}. XXXX is reporting a loan balance of {$11000.00}. This has happened for two consecutive months. Failure to report my account accurately is against the Fair Credit Reporting Act Laws. I have bank statements as evidence and statements of facts.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

I Filled A Claim for a Transaction that was Done On My Account For USPS {$570.00} And M & T Bank Denied My Claim Because the Merchant USPS Provided Documentation Saying That The Money Order Was Cashed and i Return this Money Order Back to the Merchant and The Merchant Claim to the Bank that the Money Order Was Cashed Something That was Not True Please Help me Fix This Problem Even Thogh I Provided M & T Bank Documentation That The Money Order Was Refunded By The USPS Back into my Debit Card and its Been More Than 30 Days And Their Still No Refund Coming Back From USPS M & T BANK REVERSE THE PROVISIONAL CREDIT - {$570.00} And Made My Account Negative : - {$570.00} Please Help me With This Problem
Consumer complaint received 2022-08-17
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. (OH)

I asked Experian to remove the bankruptcy on this account and all the other account associated with it. This is a violation of Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). I am requesting the information be removed. XXXX a sup from Experian states by law they are allowed to gather information without my consent. I am demanding this to be removed.
Consumer complaint received 2022-08-17
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. (GA)

Per 15 USC 1681 G ( A ) 1, 15 USC 1681 A ( 1 ), 15 USC 1681 ( A ) D ( 2 ) ( A ) ( I ) : I have the right to not consent to my person information being shared with companies that I have not given consent to. I have the right to refuse alleged debts and require verification from these companies. 


I demand that XXXX XXXX delete this account immediately and not ever repost it on my consumer report. 

XXXX XXXX Do not claim this is not me. I have included my id. You normally use that as a stall tactic.
Consumer complaint received 2019-06-11
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. (FL)

my problem is that the XXXX XXXX opened 2 loan accounts in a single car and it is really a single account. This caused that in my credit report 2 loans appear when in fact it is only one.
Consumer complaint received 2019-01-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (TX)

I have sent 4 ACH revocation letters to the company.

XX/XX/19 - email with pdf of letter sent to XXXX  

XX/XX/19 - faxed letter to XXXX

XX/XX/19- mailed certified letter XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX (rcvd XX/XX/19)

XX/XX/19 - emailed once again the pdf letter of ACH revocationXX/XX/19 - XXXX withdrew $XXXX   from my account.
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (CA)

Good day, I received a bill for {$44.00} ( " immediately due open receipt '' ) dated XX/XX/20 from GM Financial ( acct # XXXX XXXX after completing our lease. On XX/XX/20 I called and spoke to " Teka # XXXX. '' XXXX responded that I should " ignore the bill ... It is a California thing. '' XXXX could not offer me an e-mail or any confirmation to that end. She suggested I call back in two weeks, On XX/XX/20, I received another bill for the {$44.00}. On XX/XX/20 I called GM Financial, XXXX ( PST ), and received a busy signal on the phone line.On XX/XX/20, I called and I was on hold for an hour and 10 minutes before hanging up. 

On XX/XX/20 I was applying for a loan to discover that GM Financial had " dinged '' my credit report ( s ). 

I am seeking to have this " ding '' removed with your help. 

Greatly appreciated, XXXX XXXX XXXX
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I XXXX XXXX XXXX XXXX, have tried to contact XXXX XXXX XXXX XXXX about my vehicle loan but to no avail. 

My vehicle loan is paid off and it has not been reported to the credit bureau. There are late payments on my account that are incorrect. I have turned in multiple forms to show them that I am in the military and when I deploy but they refuse to accept. XXXX will not accept my XXXX request. 
The company is NOT reporting to the credit bureaus and I'm left with pay the loan at the APR and with out it show on my credit report which is negatively effecting me.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found late payments on the dates below, which are inconsistently reported : 30 days late as of XX/XX/2016 on XXXX and 30 days late as of XX/XX/2016 on XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-06-10
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: Credit Plus Inc (OH)

I got these accounts that are not mine and i want it to be removed ASAP. See the list here : 1. Identity Theft CREDITPLUS Date of inquiry : XX/XX/XXXX This is not mine. 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

PER ESQ. " XXXX '' OF LEGAL AID OF XXXX NEVADA WELLS FARGO HAS A REPRESSIVE HISTORY OF DECEPTIVE BUSINESS PRACTICES THAT IN " XXXX XXXX '' IS THE RIGHT PLACE TO BE IN FILING A COMPLAINT WITH " CFPB '' WHO M ACCORDING TO " XXXX '' CAN SEEK COMPLIANCE BY WELLS FARGO TO ASPECTS OF THE FAIR CREDIT & REPPORTING ACT. 

FURTHERMORE THE CLAIMS THAT CFPB HAS MADE IN SENDING COMPLAINTS FILED TO THE " FTC '' HAS BEEN REFLUTED BY FTC IN SAYING THEY HAVE NO COORDINATION, ETC. WITH CFPB TO MONITOR CFPB COMPLAINTS IN ADDING THIS TO AN EXISTING FTC COMPLAINT, FTC STATE THAT THEY DO NOT REPRESENT THE INDIVIDUAL. 

WELLS FARGO CLAIMS TO HAVE CALLED THE COMPLAINTANT IS FALSE TO THE POINT THAT WELLS FARGO DOES NOT ANSWER CALLS OR CALL BACKS FROM THIS COMPLAINTANT TO DATE DUE TO THE EXCESSIVE BILLING TO INCLUDE BILLING FOR STRUCTURAL INSURANCE WELLS FARGO HAS BEEN NOTIFIED THAT AMERICAN FAMILY INSURANCE HAS ALWAYS PROVIDED SAID COVERAGE REQUIRED ON THE MONTHLY XXXX DUES- THEREFORE WELLS FARGO MUST PROVIDE A 4 YEAR REFUND FOR THIS EXCESSIVE COVERAGE DUE TO THE UNPREDICTABLE BILLING FROM WELLS FARGO THAT HAS CHANGED THE COMPLAINTANT MIONTHLY BILLING FROM AM ROUNDED FIGURE OF {$600.00} TO NEARLY {$800.00} PER MONTH CAN NOT XXXX SUSTAIN & AS A RESULT WELLS FARTGO HAS BEEN ASKED TO STOP AUTOMATICE WITHDRAW IN ORDER TO NOT JEOPARDIZE THE COMPLAINTANT CHECKING ACCOUNT RESERVES. THEY HAVE NOT COMPLIED WITH A WITHDRAW FOR XXXX, 2022. 

AUTOMATIC WITHDRAW MUST IMMEDIATE STOP & BE SUPPLEMENTED WITH A MAIL IN SYSTEM. AUTOMATIC WITHDRAW WAS PUT IN PLACE FOR PEOPLE MORTGAGE AND NOT WELLS FARGO!
Consumer complaint received 2022-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (OH)

We have our mortgage loan through Cross Country Mortgage and made on-time payments until XX/XX/XXXX when we entered forbearance after my husband was laid off due to COVID. In XXXX of XXXX, we contacted the mortgage company to start resuming our payments and we were offered a COVID partial claim option for our past due balance and an updated mortgage payment amount going forward. We signed, notarized and returned the completed partial claim paperwork that was sent to us and returned it in the pre-paid envelope to the service provider. It was received on XX/XX/XXXX according to the tracking number. We followed up monthly with Cross Country Mortgage for status of the partial claim and when we would have access to our online account and applied payments. We were told that the partial claim had been approved in XXXX but that we needed to just allow more time for processing and for our account to be updated. The usual excuse was that they may be behind on processing due to the amount of requests. Starting in XX/XX/XXXX, we started to receive mail and collection calls from Cross Country Mortgage. We have since spoken to numerous individuals sometimes up to XXXX times a week starting in XXXX and have received no clear answers as to why the partial claim was not applied, even though they had clear documentation in their system that it was received and approved in XXXX according to several individuals that we spoke with since XXXX, XXXX. As of last week we have submitted more documentation for a loss mitigation solution which they claimed was required to complete our COVID partial claim request. Now we are being told that we no longer meet the time requirements for the COVID partial claim because they did not receive the paperwork that was sent out in XXXX, XXXX. As stated previously, the partial claim paperwork was signed by both my husband and myself, notarized and returned in the provided return envelope and tracking was provided with a received date of XX/XX/XXXX. We have also been making our adjusted mortgage payment since XX/XX/XXXX. We have been given misinformation since the start of this process and do not know how to proceed. We continue to make our adjusted mortgage payments and have submitted all extra documentation that they have requested even though it should not be required given our approval for the COVID partial claim. We are just looking for a resolution for something we thought was completed seven months ago.