davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  is currently showing as reporting this negative and unknown on my Experian credit report. under XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, NJ XXXX ( XXXX ) XXXX, although they had previously corrected this as paid and closed. XXXX XXXX states it is not their account, however, the info matches their XXXX XXXX  Retail card services as shown on attached photo of their XXXX  page.
Consumer complaint received 2019-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

I don't know what actual route I need to take through the prompts are to get to the right place, so this is probably not in the right department.

I found out today that Experian has been charging me {$22.00} a month for something that I did not want and had no idea that there was any recurring charge, let alone the insanity that is {$22.00} a month.

I paid {$1.00} for what I thought was a 7-day trial so that I could see my credit score a single time. Apparently the 7-day trial is a 7-day period of a " discount '' before the price goes up to $ XXXX/month, not a 7-day trial to check your score before you lose access to it as I think almost anyone would expect.

They pay to have XXXX  display them at the top when someone searches for " free credit score '', then they actually charge you {$1.00}, which is actually over {$250.00} a year. This is not ok. We are held unjustly behind an unfair and unregulated credit score system, extorted to even be able to check it, then are hit with hidden bills like this. Seriously?

I was under the impression that stuff like this was supposed to be shut down. Isn't this the EXACT situation referenced in this article?

XXXX XXXX XXXX Thank you for any help on this matter and for doing the work that you do. It IS VITAL.

Additional information that I find egregious : 1. I have no email from them telling me that I'm being billed or even that I created an account.

2. They make it nearly impossible to figure out how to cancel future charges. I honestly don't know if I am opted out of the recurring charges or not at this point.

3. They hold customer service hours that make bank hours look like XXXX. I can't contact them in any reasonable way during any reasonable hours. I work. They know that. That's why they have such unreasonable hours. This is not right.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION (GA)

Two companies BB & T which is closed and XXXX XXXX  XXXX XXXX XXXX used XXXX XXXX before opening me a checking acct. and said they could not open it because of an old bb & t account that XXXX word on and I have no idea what they are talking about. I have pulled my credit report recently the past couple of years there is nothing on there at all about this and I do not owe them anything. Please help me fix this. I called XXXX XXXX and ask them to help me and they said it would take 30 days and they acted more like they were helping the banks more than customers. I really need to open a checking acct I have a lot of cash on me and need to put it up in an account asap. Thanks so much.
Consumer complaint received 2023-08-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (GA)

On XX/XX/XXXX I purchased my XXXX when the engine and transmission went out, before the month at that point I already paid my differed payments of XXXX, I had to go in person so I could've gotten another car which is the XXXX I got now, they started another contract for the amount of {$21000.00} I didn't start paying til XXXX payment of {$240.00} every XXXX weeks, ever since west portfolio took over I haven't seen my payments going down... and I started to pay them on XX/XX/XXXX. What to do? And west portfolio charges an extra XXXX for debit payment and all I'm seeing is the {$240.00}
Consumer complaint received 2019-01-08
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. (NJ)

I received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted XXXX XXXX where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on Experian, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.
Consumer complaint received 2021-04-13
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 — Problem with personal statement of dispute
Company: AES/PHEAA (CA)

There are XXXX accounts i have with fedloan servicing and the accounts show late payments on my credit report. I had talked to the Fedloan Servicing employee at the time and they said that they have noted the account with the financial difficulty and that there will be no negative reporting to credit agencies. Few month later The negative report showed up on my credit report, i have tried multiple times to contact them to resolve the issue and every time they deny the request.
Consumer complaint received 2019-01-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

They called me early on XX/XX/XXXX, about XXXX from a blocked phone number. I called back to speak with a supervisor the same day after XXXX to put in a complaint they told me they can call from a blocked phone number as long as they tell me they are calling about a debt. When I asked wasnt that breaking federal law they told me someone in their compliance department told the supervisor, they werent in violation.
Consumer complaint received 2019-01-19
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 (CA)

I noticed unauthorized activity in my checking account and my line of credit account on XX/XX/2019. I also discovered that account preferences had been changed without my knowledge, request or authorization. I have not had access to over {$1500.00} of deposits since XX/XX/2019. Wells Fargo admitted a glitch in their system and stated my funds are in limbo. This is affecting my commitments to my creditors. I have filed a police report with XXXX and a complaint wi OCC. Thank you in advance for your help and attention.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

I was on a Covid -19 forebearance plan with PHH mortgage company. 
In XXXX of XXXX I was told there was no more forebearance extension and that I would have to apply for a trial modification payment plan. 
I was told by PHH mortgage company that any payments prior to the trial payment plan would be put on the back of the loan as money owed. 
PHH sent me the application by email I completed it within a few days emailed it back to PHH mortgage and waited for their approval of this trial plan. 
PHH approved the plan it took a long time even though throughout the forebearance time frame and into the trial aplication process I consistently communicated with their company always eager to move the process along PHH mortgage set the 3 trial payments in XX/XX/XXXX and I was asked and was allowed to show good faith by sending 2 trial payments in XXXX and 1 in XXXX I did this in good faith and was told all of the payments for XXXX were put on the back of the loan. 
When I sent in these 3 payments they were recorded incorrectly, Multiple phone calls to PHH always getting different answers. 
They had applied 2 of the 3 payments to XX/XX/XXXX and XX/XX/XXXX and the 3rd payment I wastold was credited to XX/XX/XXXX again then it was somehow in an account where PHH was waiting for me to call them to tel them where to apply the payment. 
Always different answers and numerius calls I believe I was tricked and PHH lied about the forebearance payments and how my trial modication payments were to be applied The 3 payments I sent should have been applied for XXXX XXXX XXXX XXXX of XXXX not anything else all of XXXX was foreberance
Consumer complaint received 2020-09-15
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: EQUIFAX, INC. (PA)

I initiated disputes for the following accounts appearing on my Equifax File due to inaccuracies and incomplete information. These accounts have also been redisputed.

The inaccurate information was taken directly from my Equifax File. Equifax has concluded investigations with reinserting the accounts with the same missing and inaccurate information. 

- XXXX XXXX XXXX # XXXX - reporting inaccurate information. 
- XXXX XXXX # XXXX - missing information ; date of last activity, credit limit, high credit limit. Account consistently reporting missing information in spite of repeated requests to investigate or remove from my file. 
- XXXX XXXX # XXXX - date closed is missing, credit limit is inaccurate. High credit limit missing. Equifax would not validate or remove as per

FCRA 611. These dispute results are being sent back to me as verified as accurate with no update or proper solution that is required under Federal Law ( Fair Credit Reporting Act ( FCRA, sect 611 ( 5 ) ( a ) ( 1 ). Federal Law requires that if the information is unverifiable, inaccurate or incomplete, it must " promptly be removed ''.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have mailed ( certified ) Equifax on behalf of my credit report reporting a fraudulent account opened not by me 2012 by XXXX turned over to XXXX XXXX XXXX the collection agency. I have filed fraud affidavit with both XXXX & XXXX. XXXX  and XXXX have removed this account. Equifax keeps sending my a request of proof of identity even after I have provided this ( copy passport and bill ) several times. Equifax has refused to remove and will not send me a copy of my credit report with them. This account has NO proof of me opening no signed contracted as required by Federal Law, no copy of ID, nothing but statements. This is not considered accurate by FRCA law.I want it removed and a new copy of my report sent to me as I keep requesting.
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NH)

On XX/XX/2020 I sent a letter regarding innacurate and unverifiable things on my credit report. Til this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes Section 611 ( a ). It is stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from  my credit report. XXXX XXXX has removed the bankruptcy already, and that is who you said you verified with. I demand these items be removed or I will have to take further action and file for litigation.
Consumer complaint received 2019-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I sold three sewing machines on XXXX. These machines were personal items. I loaned money from my business to family members in anticipation of these funds. PayPal has for no reason taken my money i.e. {$7000.00} and told me they are closing my account and keeping this money for six months. The buyers are happy and Im happy with the transaction. PayPal has no reason whatsoever to do this. Two machines sold on XX/XX/XXXX and one on XX/XX/XXXX. Totaling {$7000.00} I shipped the items immediately. Provided tracking info. Provided PayPal with additional info. I have never had chargebacks, never a customer complaint, and only use PayPal and XXXX  once in a while. I was planning to start doing more business but could lose my business and my home over this. {$7000.00} is a lot of money my family and I were counting on as soon as PayPal said money was there. I have emailed, called and called and called PayPal and all employees act as if this is just ok and Ill get an email in six months about how to get my money. If there was a reason for this I would have no problem but nobody has done anything wrong except PayPal trying to take this money for six months. Fine if thats how it is but Ill be asking for interest, penalties, my time @ {$75.00} hour for this whole debacle, attorney fees and potential growth of {$7000.00} dollars at my business that PayPal has cost me after six months. I just want whats legitimately mine and my familys. A computer algorithm at PayPal has caused this problem and nobody there is willing to fix it without someone going to these extremes. Hopefully this complaint and this agency can help.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (WI)

I started to refinance on XX/XX/2021, with New Rez and I had a loan officer which then was transferred to two other people. Trying to reach someone was not happening. Every time I called I left a message, several messages, even talked to the loan officers supervisor, which helped some. Then as time went on now XX/XX/2021 they send me papers to finalize my loan, which the amounts were not all on there. They were suppose to add a credit card amount to the loan, called several times to loan officer and supervisor and left messages with no return phone call. We did sign the papers not to finalize the loan only to get the interest rate they quoted us at the time to be locked in. I do not know where I stand with this loan, it's the worst customer service I have ever dealt with.
Consumer complaint received 2019-09-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Student Loan Financial Assistance (LA)

I was informed by the U.S. Department of Education that no action was taken by XXXX on my behalf to cancel my student loan debt by applying for the XXXX Discharge Program. I was additionally informed by Department of Education the application to this program is provided free of charge by XXXX, an arm of XXXX. The aforementioned company XXXX ( XXXX XXXX XXXX XXXX. ) charged my bank account {$240.00} on each of the following dates : XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19.
Consumer complaint received 2023-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

XXXX XXXX sold a collection to debt buyer Jefferson Capitol Syst who reported a collection to the credit bureau in XX/XX/2022 amounting to {$540.00} for a debt that has been reported as Identity theft to the police department and the FTC.
Consumer complaint received 2020-09-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (GA)

On XXXX I received notification that a collection was added to my credit. I have made multiple calls and sent emails with no response. They never tried to contact me or mail a letter proving the debt was mine. I have no knowledge of this debt. I sent an email asking for them to prove my ownership of the debt with no response. I could not get anyone On the phone.
Consumer complaint received 2019-01-19
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. (ID)

I believe I complained about XXXX, TransUnion & XXXX but now there is more. Short overview. I sold a house XX/XX/2018. XXXX XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a XXXX balance. I saw a document on one of the bureaus that stated I have a XXXX balance with them but yet that same bureau shows I owe XXXX XXXX over {$58000.00}. 
I will enclose my letter from XXXX XXXX that states I owe XXXX.
Consumer complaint received 2019-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

XX/XX/XXXX, I applied for credit over the internet with a salesman from XXXX website, the used car had to be transferred from NC at no charge. Rate quote received 11 %. Once ( 2010 yr ) car was delivered to Georgia, my original salesman no longer worked there, a new salesman and manager informs me rate changed and is now 26. 9 %, now required {$800.00} down payment. Sales manager told me I could refinance the  rate because he couldnt get the old one back. I trusted him because he said advised me that was what he did when he purchased his car from XXXX. Unfortunately, I could not refinance the car and the three day return option had expired. The payment I was obligated to make for 73 months is {$590.00}, the loan amount was {$21000.00} including title and transfer fees. I am a single woman who was profiled and discriminated against when XXXX used unfair, deceptive and abusive acts against me. I have been struggling to make this payment to Santander Consumer USA for 3 years. I have made {$18000.00} in payments ( to date ) for this loan and I still owe {$19000.00}. Less than $ {$2000.00} has been applied to the principal balance. My credit is effected by this. I have even lost my job and my home. I have made several complaints to both XXXX for predatory lending and discrimination to no avail. I hold XXXX responsible because they had offered me a lower interest rate beforehand and when I arrived I was pressured to buy now or XXXX could not hold the car for me. I did not understand this since I had waited for the car to be delivered from another state. I also traded in my vehicle I owed a title loan on. I was only given the amount of the title loan for my trade. I also believe this was unfair and deceptive. The payment amount provided when using their ( XXXX ) calculator was {$540.00}, on their website, using the same terms, is less than my required payment. Santander not XXXX does not explain truth in lending as required to consumers. I now understand Santander has been charging me the usurious interest rate 27.9 % plus that of % 13.99 each day for simple interest. XXXX did not show me my credit scores, so I pulled them as was advised car dealers repeatedly pulled my score in order to lower the score in order for their system to increase to the rate they gave me. I would like this investigation to help consumers like myself be able to see what the Auto dealers are doing when they take your personal information and request credit and receive results. I would like to have both companies held responsible for discrimination, predatory lending, truth in lending disclosures and UDAAP violations. I would like this contract to be dissolved and credit for payments to principal to be applied at the initial interest rate quoted.
Consumer complaint received 2023-08-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (GA)

American car center said that I have not made payments so Westlake had work with a debt that is not mine. The customer service us impossible to get in contact with and they have repoed my car and still trying to charge the repo fees twice. This has really effected my credit and Im that is not ok