davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
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)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX CU partial account number XXXX. ( Please see page 5 and 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OR)

I contacted my loan servicer, Navient, regarding the Deferment for Active XXXX  Treatment Act ( as signed into law Sept 2018 ). I was diagnosed with XXXX XXXX in XX/XX/2018, and only recently learned of this provision which allows borrowers currently receiving XXXX treatment to have their student loans placed in deferment. I contacted Navient on XX/XX/XXXX to discuss this option. I was told initially that no such program existed, but after insisting, was then told that Navient has no application in place for this " since it is so new '' and therefore I can not qualify at this time. After further insisting, I was told that they could place my loan into temporary forbearance until such time as the " federal government '' makes an application available. If I understand correctly, while my loan payments are now suspended, Navient is continuing to charge interest on my loans ( while under the deferment this would not be the case ).
Consumer complaint received 2019-04-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

Men of XXXX XXXX and XXXX countries collected my money as an attempt to claim a winning fund from XXXX XXXX ( XXXX ). The money collected requested me to send charge fees of issuing change of ownership and authorization certificates. It happened occasionally in XX/XX/XXXX. I told them to return back my little earnings but they ran away until now. I reported it to the headquarters of Western Union through calling on XX/XX/XXXX but nothing had been to remove my pains I had suffered up til now. The amount collected all together with charge services was $ XXXX. Please, I need your assistance. I wrote a letter to the western union of XXXX to work on it but nothing has been done. 

Thanks in advance.
Consumer complaint received 2019-04-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NV)

I already have a case pending on two separate payments and now it happened a third time. I am making extra principle reduction payments, in addition to my regular monthly payment with Wells Fargo. The three payments were made at 3 times at 2 different banks with 3 different tellers. Each time, I state to the teller what I am doing, they verify it out loud and hand me back the receipt saying here is your receipt for your principle reduction only. I am sure the tellers are processing them as they were trained. So either they are being trained incorrectly or Wells Fargo has their coding/process set up wrong. These payments are being used as my next monthly payment. I do not want these payments to count as a monthly payment and have interest and escrow and insurance taken out and the due date moved one or two months in the future. But that is what they keep doing. I am paying extra to the principle only to pay this off early and not have to pay all this extra interest. I spoke to a man who worked in the home mortgage department for a very long time and explained it about 5 times to get him to understand. He said he would open a ticket to have this fixed and to call these payments in because the tellers don't know how to do this. I don't believe this. And with all the scams that Wells Fargo has pulled with the public, I am concerned that this may be another one. Intentional or not, it needs to be fixed. If I say I want this applied to my principle, it should go to the principle and me not have to call every month, have tickets opened and contact federal agencies for resolution. I do not understand how they are " still working on it '' for a month. What in the world is going on????
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Follow up from current dispute could you confirm that you in fact had the tradeline remove from XXXX credit file on XX/XX/20 for inaccurate information? The credit monitoring service that I pay for advised that you did! You shouldve have a tradeline removed from all credit reports because youre one company that reports to all three of the major credit reporting agency therefore all the information should be accurate and reporting the same I have supplied you physical and factual documentation that its not reporting correctly and this meets Criteria to be the deleted immediately..
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I would like to report American Express for charging excessive fees on my account. 

I was enrolled in XXXX and charged a {$14.00} monthly fee. In XX/XX/2018 I missed a payment while traveling for work and American Express charged me a {$38.00} late fee ( more than double the balance on the credit card ). I continued traveling for work and missed additional monthly payments. 

This continued until XX/XX/2018 upon which I called American Express to cancel my credit card. During the call American Express didn't share with me that I would continue to be charged even after canceling the card. So XXXX continued to charge me $ XXXX/ month and I thought I had canceled the card so didn't think to look for the bill. So Amex continued charging me late fees. In total I was charged {$260.00} on {$100.00} over 7 months. 

It seems unfair that Amex would charge me more than my balance and knowingly keep charging me without explaining how to stop the cycle. Clearly not looking out for the consumer. 

This has since affected my credit score and likely my ability to get a good rate on a mortgage. 

I attached
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (IL)

Equifax : I am disputing why my credit score dropped XXXX points in XX/XX/2022 for my XXXX XXXX mortgage account upon coming out of my CARES Act Forbearance. This is unfair & detrimental to me given that my mortgage company offered me NO normal alternatives for coming out of my forbearance. Contrary to what they told me when I entered into the forbearance, they would not allow me a deferral nor a loan mod. I had to fight and escalate this matter for over ONE YEAR to get them to take the appropriate action and now my credit has suffered as a result? XXXX XXXX has known instances on record where they do not honor normal remedies for coming out of the CARES Act forbearance which has caused many of their customers to lose their homes. I am thereby requesting that this be remedied & reflected appropriately on my credit report. I do not understand why my score took such a drastic hit given that I have no late payments recorded and was able to make partial payments throughout the duration of my forbearance period. The loan mod was not under a federal government plan simply because XXXX XXXX would not allow it to be as such. The only reason the mortgage amount had increased by {$10000.00} was because XXXX XXXX wouldnt remedy the situation sooner. Thank you.
Consumer complaint received 2019-04-10
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. (FL)

I have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. This negative account should be removed from my credit reports on or before XX/XX/XXXX. XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. I would like this corrected so that the negative information will be removed per the FCRA timeframe in XXXX of XXXX. I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (GA)

In XX/XX/2019 I was denied credit due to an inquiry for my credit score from XXXX , XXXX. I have never heard of this company and when I call to get a copy of my credit report I have to leave a voice message. An online inquiry or a written inquiry to XXXX , XXXX, I have to provide copies of my driver 's license along with other documents, including my social security number. Is XXXX  , XXXX a legitimate credit bureau? Never heard of them and why can't I get a copy of my credit report from them. No call back and no one answers the phone.
Consumer complaint received 2019-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

This letter is regarding the so called second account which you claim I owe {$38.00} for The {$34.00} that I settled to pay to you all was for the so called second account that's {$38.00} that your company claimed I could pay and settle for {$34.00} on behalf of XXXX XXXX XXXX. This is the reason you all received my information in the first place on behalf of the original creditor which is XXXX XXXX XXXX! This is a formal notice that your claim is disputed. I am requesting validation, made  pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you for this account. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). I'm sick of going back and forth with you all this is ridiculous! First you claim I had no account, then you couldn't find it, then I paid it, now there is a second account ... ..I smell Fraud!!!
Consumer complaint received 2019-02-04
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: World Omni Financial Corp. (FL)

Credit Reporting companies are reporting that I have 30 days late of a payment that I made to Setf. 
I never made 30 days late of a payment the other person that is making the payment made the payment 14 days late remove and update my credit report.
Consumer complaint received 2023-08-18
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. (DE)

I recently notice that someone was applying for credit in my name, I contacted the credit companies and the credit reporting bureaus and noone was willing or able to help me get my situation straightened out.

Once i noticed these fraudulent inquiries I. immediately contacted the creditors and the credit bureaus, neither were willing to assist me with my issue.
Consumer complaint received 2022-09-08
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. (TX)

I submitted a police report to equifax stating inaccurate information on my credit report due to fraudulent activity. They returned the information as verified and belonging to me. The account is fraudulent and I didnt sign paperwork for the account of XXXX XXXX XXXX This continues to report on my credit profile.
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

30 days ago I sent a dispute letter to SYNCB asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I own an American Express XXXX XXXX XXXX and have been a customer of American Express for over XXXX XXXX 

My credit card account is always paid in full and has been on autopay. For some reason, it was not on this month and the payment did not post immediately I was charged a {$29.00} dollars fee on XX/XX/XXXX. I did not receive any notification of the set fee. While checking my accounting two days later, I discovered the charge and immediately paid my entire balance and contacted American Express. I explained what happened and requested the fee to be refunded since I am a long-time customer and even have a significant amount of cash in their savings account. 

The response received was " you don't qualify '' as I inquired as to why I was told that there are many variables and the system just denied it. 

Needless to was this is very disappointing and difficult to accept that a company like this is not willing to provide high-quality customer service regardless of whether you have been a very long-term customer.
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paragon Subrogation Services, Inc (IL)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Phone : XXXX Re : Dispute of Account # XXXX ( Previously : Paragon Subrogation Services ) To whom it may concern, I am writing to formally dispute the validity of the above-referenced debt based on my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e. This provision prohibits a debt collector from using any false, deceptive, or misleading representation or means in the collection of any debt.

Furthermore, I have concerns regarding potential violations related to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, regarding permissible purposes for furnishing consumer reports.

I also want to underscore that according to guidelines from the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), any deceptive debt collection practices may result in severe penalties.

Please review this matter and provide evidence that supports the validity of the debt in question. If you can not validate this debt, I expect its removal from my credit report and a written confirmation once it has been done. 

Thank you for your immediate attention to this matter. I anticipate a timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, GA XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

My existing debt is {$2700.00} and not {$6900.00} reported on my XXXX report. This is not the accurate information about my debt as a result of which I am having trouble being eligible to get XXXX XXXX personal loan. Please help to rectify the information.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (DE)

I asked Chex System to send me proof that I owe XXXXXXXX XXXX and XXXXXXXX XXXX  any money. I send a request in a form of a letter on XX/XX/XXXX I never responded to me with any proof.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (CA)

From my previous complaint I have tried Numerous times to contact the Email i was given from Chrysler Capital and have yet to receive a response. I keep getting the run around when i contact the finance company I have VISUAL proof showing the XXXX company taking my vehicle stating it was in FACT Chrysler Capital who sent the XXXX XX/XX/2023 yet no one from Chrysler Capital has any notes or paper work stating it was taken this is getting very irritating and causing me much stress to where i am losing sleep and hair, i wake up at all times of the night checking to see if my car is still in the drive way I dont know who took my car that day cause Chrysler Capital doesnt know who it was either for all i know it could have been someone trying to steal my XXXX. My XXXX  app caught the tow truck company taking my vehicle and now its having issues that Chrysler Capital does not want to help me with, i am coming up on the end of my lease and need to get this situation taken care of as soon as possible. I have NO letters No EMails no kind of documentation since the initial day i contacted Chrysler Capital! this is ridiculous this is the email i was given from CFPB along with the video evidence i sent them. it has now been XXXX emails with videos and no response! : XXXX XXXX XXXX # XXXX cfpb complaint # XXXX
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

I have been trying to fix my credit report for a while now. I believe I am a victim of identity theft. When my credit was pulled 2 years ago ( 2017 or so ) there was a lot of misinformation. The report actually showed that I was deceased. I am very much alive. So, I contacted Experian and sent in my information by mail, and not only was my issue never resolved but no one ever contacted me. When I called in to check on the status of the credit report errors, I was informed that they hadn't received anything by mail. And so, I'm stuck with the same issue. My SSN is not recognized by XXXX, XXXX XXXX, or any of the credit bureaus. I can not check my credit report.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

I have been trying to fix my credit report for a while now. I believe I am a victim of identity theft. When my credit was pulled 2 years ago ( 2017 or so ) there was a lot of misinformation. The report actually showed that I was deceased. I am very much alive. So, I contacted XXXX and sent in my information by mail, and not only was my issue never resolved but no one ever contacted me. When I called in to check on the status of the credit report errors, I was informed that they hadn't received anything by mail. And so, I'm stuck with the same issue. My SSN is not recognized by XXXX, XXXX XXXX, or any of the credit bureaus. I can not check my credit report.