davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Reliance Holdings LLC (GA)

I came out of forbearance in XX/XX/2020/ First Reliance sent letter stating forbearance would be added on to end of loan. after making 4 reg payments. I'm refinancing with another company. For 60 days First Reliance has sent wrong documents and dates. I've been placed on hold for hrs and have been hung up on 6 times in one day. The last was supposedly names XXXX in customer service. She was so horrible that it finally dawned on me that this is a racially motivated attack. I asked XXXX to find me a Caucasian supervisor and she hung up. I've talked to 3 nice people out of over a dozen. I've asked them to please put in their notes all the issues I've had.Some say that they can't email or fax the same day. I've been told 3 days for fax and no emails. Today I was told faxed 2-4 hrs and yes they faxed the wrong information. Wrong information was emailed yesterday and then again today. So I was told just now a new fax would go out tomorrow. Please help as My loan is being held hostage!
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (OH)

There were unauthorized charges that were made to a lost debit card in the amount of {$1300.00} at XXXX with two separate purchases. Ive tried to work with the bank dispute this matter and it has been unsuccessful. There is no way possible that I made these purchases. No one has my ID or PIN. Please help me receive my money back.
Consumer complaint received 2017-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NJ)

simons agency has multiple collections on all of my credit reports ALL of these have been paid by medical insurance and they are attempting to collect amounts for a dollar in some case.   there are multiple law suits against Simons, they refuse to answer my calls and hang up on me when i call
Consumer complaint received 2021-08-24
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)

Companies Involved : - XXXX in partnership with XXXX XXXX ( card provider ) - XXXX  - Equifax Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in XXXX sold me on applying for a XXXX credit card. This was in XXXX, XXXX  where I lived at [ XXXX ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, XXXX. Similarly my accounts have not spent any money in XXXX  store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with XXXX XXXX  in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (FL)

for the last few times I've been on " Experian '' to help my self get my credit score up the dates " XX/XX/XXXX and XX/XX/XXXX including XX/XX/XXXX '' from the start they constantly sent me notices for the credit score boost which it required me to link my personal bank account after filling out personal info, it said I couldn't boost my score at the time. The second time I log on ( XX/XX/XXXX ) to go through it again, I was matched and eligible to get a credit card, which I need to help raise my score. After sending me to a 3rd party site to give them my personal info, I didn't get approved .... and effected my score ... XXXX so the third time I go on Experian, I get approved and matched with a 3rd party lender site for a personal loan. since it said it would " help my score '' I applied for the personal loan through " XXXX XXXX XXXX '', again giving my personal info out. To get denied and hit with a hard inquiry again ... ..
Consumer complaint received 2020-02-14
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: LendUp Loans LLC (CA)

I have had 57 loans with this company over several years. This particular loan of {$1000.00} was initiated XX/XX/XXXX, and like previous, payments were set up to automatically debit my checking account for 9 months. I was away the early part of XXXX taking care of my parents. When I returned XX/XX/XXXX I called the company to get a paid-in-full letter and was told by a lady named XXXX ( sp? ) they had deactivated the automatic payments in XXXX and failed to contact to me -they were using an old email address of XXXX from XXXX AND they did NOT call either of my work or home numbers, or send notification to my mailing address of XXXX XXXX XXXX , # XXXX, XXXX XXXX , CA XXXX. She updated my email address and noted I could make payments via their website portal. I did so and made payments monthly and the final payment on XX/XX/XXXX. Upon reviewing my credit report in XX/XX/XXXX I learned the company reported they charged the account off for {$890.00} on XX/XX/XXXX and did NOT report any of the payments I had made right up to paying the account off XX/XX/XXXX. Even after disputing with all three Credit Bureaus they first insisted no payments had been made, and the information they reported was accurate and the account was past due {$620.00}. On the second dispute I provided bank account statements to the Credit Bureaus showing the debits and final payment made XX/XX/XXXX. Now they have switched their position again and acknowledging payments were indeed made and claiming the account was charged off in XX/XX/XXXX when I called them for the paid-in-full letter. They are now reporting the account as charged off in XXXX and paid.
Consumer complaint received 2020-02-14
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. (GA)

I HAVE REVIEWED AN UPDATED COPY OF MY CREDIT REPORT AND FOUND SOME ACCOUNTS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NEVER IN THE PAST MAKE ANY TRANSACTIONS CONNECTED TO SUCH ACCOUNTS. THIS SITUATION HAS CAUSED A LOT OF DAMAGE TO MY ACCOUNT AND I AM ASKING FOR AN INVESTIGATION TO TAKE PLACE ON THE ACCOUNTS. I AM ALSO ASKING THAT THE DEROGATORY ACCOUNTS BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE REVIEWED AN UPDATED COPY OF MY CREDIT REPORT AND FOUND SOME ACCOUNTS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NEVER IN THE PAST MAKE ANY TRANSACTIONS CONNECTED TO SUCH ACCOUNTS. THIS SITUATION HAS CAUSED A LOT OF DAMAGE TO MY ACCOUNT AND I AM ASKING FOR AN INVESTIGATION TO TAKE PLACE ON THE ACCOUNTS. I AM ALSO ASKING THAT THE DEROGATORY ACCOUNTS BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NY)

I applied to multi companies for employment opportunities in the last few years the most recent on last month was shipt. The company these employers for background checks is Checkr. Ive disputed the incorrect information on my report everytime and provide court records reflecting the correct information but the ignore it and continue to inseminate false information to the prospective employers costing me many job opportunities and I dont even know how much In lost income. They reissued the report today after discrediting my dispute.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (SC)

On XX/XX/XXXX I purchased a pre-paid American Express gift card for {$270.00} through spa in California. I gave the card to my daughter. When she went to use the card, she was told it had no money on it. She contacted American Express ' gift card unit and was told that someone made 3 charges on the card on XX/XX/XXXX. Since the card was never out of her possession, both the card number, the CVC and the expiration date of the card must have been stolen as two of these charges were made on line. American Express refuses to compensate me for this loss saying that they don't do that even though the number was apparently stolen. I reviewed their agreement and it totally avoids any paragraph that addresses such theft. I would think that such theft is an inside job. In speaking with the XXXX XXXX, they indicated that they dropped American Express because they have had similar problems. I would expect that the company would be concerned about such hacking of card numbers but they seem totally disinterested in tracking down these thefts. One representative said that once the pre-paid card is issued they have no further responsibility as to what happens to the card relative to fraud or theft ; only if the card is lost or stolen. Why would anyone want to buy an American Express pre-paid card if it is subject to hackers and has no protection? I think American Express should make that a clear disclaimer on these type of cards like tobacco companies warn you of the risk of XXXX.
Consumer complaint received 2017-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have it in writing that after spending  XXXX  dollars in 3 months, that my annual fee will be waived.     I have this promise by  XXXX  and  XXXX  and it is documented also.     I called in at  XXXX  and was told not  one  thing is in the notes by  XXXX  on  XXXX  at  XXXX  and she was also so rude and even said there are so many notes on your account and you call in all the time like I have no right to be helped.     She told me to I had to go and pull the letter for proof to her and was so rude and said I needed a date as she did not wish to go through all of my notes. She basically poked fun of me in many ways and when I asked her to talk slower, she had an attitude all the way.     I then was forced to call back and the offer is noted on my account effective  XXXX   XXXX .     Please look into this on the rudeness of  XXXX  please.
Consumer complaint received 2020-02-14
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (FL)

Starting around late XX/XX/2019 to present, an online merchant card processing service company called, " XXXX XXXX XXXX '' with their processing division called, " XXXX '' opened an account for me under falsified promises of online merchant processing services that they could not provide, instructed me to refund my first and only client/customer 's money, of which this customer/client has been a longtime client/customer of my business, and when I tried to process correctly, they system was defective and forced me to close the account they had for me which they never did and then charged my personal business bank account a {$350.00} early termination/closure fee and has decided to hold my client/customer 's online merchant transaction of {$1500.00} USD for 180 days with a receipt that still is not reflected in their online merchant processing system! 

XXXX " XXXX Risk Department '' claimed that they could not verify my company and they could not verify my United States Virgin Islands XXXX XXXX  customer 's corporate account at XXXX XXXX. Several attempts to resolve these issues has been unfruitful thus far. I have personally made several calls directly to XXXX XXXX XXXX " various '' departments and calls and emails with their processor XXXX, I made at least 3 ACH complaints at my local XXXX XXXX, I filed an Federal Trade Commission- ( FTC ) complaint, and even filed an official complaint with the XXXX County Florida Consumer Protection Agency/Office that has not resolved this problem with XXXX XXXX XXXX and their processor XXXX. 

It is unbelievable that " any '' company can have over 25 complaints at the " XXXX XXXX XXXX '' with similar issues with the product, services, and billing among other identified issues by this company and its processor and is being allowed to unjustly/unfairly and willfully make ACH charge fees and hold monies from clients'/customers ' that they have not provided full services for! If you can not provide a service how can any company charge for NO rendered/completed service? And if you can not verify a company or a person how can any company be allowed to " TAKE '' any monies from that company or person they can not verify and decide to " HOLD '' that company or person 's money for 180 days/ ( 6 months )? Then, what is a company like XXXX XXXX XXXX or its processor XXXX doing with a company's/customers'/clients ' monies for 180 days/ ( 6 months )? Where is the money and are they using the company's/customers'/clients ' money to make profits from the held monies which is unauthorized and illegal? 

Fairness, Transparency, and Upholding Fiduciary Laws are forms of doing good business in the financial industry here in America! I would like to see my issue and hopefully many other businesses issues with " XXXX XXXX XXXX '' and its online processor " XXXX '' resolved without having to fix this matter in Federal Court.
Consumer complaint received 2022-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Acceptance Corporation (TX)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I have called and spoken with customer service of WFC, and I have filed disputes with XXXX, XXXX, and XXXX with no resolution. When I asked about speaking to management, I was told they do not speak with the public. 

Both are charge-off accounts. However, one credit bureau says it's a collection account.

When I called, I was told that one CHARGE OFF account was recently sold to a collection agency called XXXX XXXX 

Incorrect and inconsistent amounts are listed on each bureau related to dates opened, Information is listed differently related to secured loans, collection, and charge off. 

The balance has been increasing, which should not be due to it being charged off. It should be continuously reporting a charge-off monthly, nor should it be accumulated interest if it has been charged off already. 

If the account has been sold, it should be deleted, as this will be double jeopardy in reporting two duplicate accounts on my report. Especially if one has been charged off and you have legally taken it as a loss with IRS. 

The consistent inaccurate reporting on my credit report over the past several years needs to be fixed by removing these WFC accounts. I have tried to rectify this over the past 60 days.
Consumer complaint received 2022-12-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I was in a XXXX XXXXXXXX bankruptcy which just concluded. During the last 7 years I made payments totaling about {$80000.00} to Navient. The checks were all cashed but never applied to my account. I have made 3 separate requests to Navient to resolve this matter including providing written proof of payments to them showing their checks were cashed by them. My first request was not responded to. When I called I was told they could not read my documents I submitted. My second request was then escalated by a call center agent. Response received was a letter showing me the payments that were applied which did not include the payments I made. I already understand what Navient has applied to my account I need someone to take this seriously and actually do some research as to where the money had been applied. My 3rd request was resubmitting the documents showing my payments. No response.
Consumer complaint received 2018-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Great American Finance Co (CA)

GREAT AMERICAN FINANCE, account no.XXXX is inaccurately reporting on my XXXX  credit report.I have disputed this account with XXXX  about 10 times.I would like XXXX to obey the FCRA and delete this account from my file.I have attached the report from today 's report and circled the errors, that are " face of the record '' errors.There is no excuse for these errors other than careless reporting and XXXX  SHOULD BE HELD ACCOUNTABLE AND BE FINED BY THE CFPB. 
The account shows DOFD XX/XX/2014 when the payment history shows XX/XX/2014. 
The report shows " current status '' as pays XXXX days when the account was paid and closed over XXXX years ago.
Consumer complaint received 2020-02-14
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)

I HAVE REVIEWED AN UPDATED COPY OF MY CREDIT REPORT AND FOUND SOME ACCOUNTS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NEVER IN THE PAST MAKE ANY TRANSACTIONS CONNECTED TO SUCH ACCOUNTS. THIS SITUATION HAS CAUSED A LOT OF DAMAGE TO MY ACCOUNT AND I AM ASKING FOR AN INVESTIGATION TO TAKE PLACE ON THE ACCOUNTS. I AM ALSO ASKING THAT THE DEROGATORY ACCOUNTS BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX 2016 I financed a car through XXXX XXXX XXXX XXXX ( XXXX ) made my payments on time until I had to stop working due to medical reasons. The car was repossessed in XXXX of 2016. The company has since inaccurately reported to the credit agencies the details of the account. On XXXX they claim it as a repossession and that I owe over {$14000.00} on Equifax it is showing that I owe almost {$8000.00} and it is a charge off/bad debt and are continuing to show late payments for the account. I have disputed this with the company and the credit agencies multiple times and have gotten to response or no solution to the miss information being reported. I have sent letter for verification of debt and account balance and have not received responses from XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have mailed a letter to experian information services to update my current address and remove all other address on my report because they are not accurate. I have submitted information to verify my identity and my current and accurate address. Experian has notified me that they can not remove any addresses.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (FL)

Communication from XXXX XXXX XXXX began a few weeks ago. I had received a few calls and a couple of voice mails from this company and when I called back a person named XXXX XXXX answered stating his name. I mentioned that I had received a couple of calls and wondered what it was about. The individual did not reference that they were a collection agency or that it was an attempt to collect a debt. They would only ask for my information and for me to confirm who I am. When I would not comply and asked what it was about he would not respond but continued to ask for my information. I then hung up the phone. He called back and hung up on me. When I called back he threatened legal action. A week later we received a letter from XXXX XXXX XXXX stating that I had an outstanding debt with US Bank. I know that this debt is erroneous as it was paid off a few years ago. When I searched XXXX XXXX XXXX it came up that XXXX XXXX is a representative of that company and that he had harassed other individuals in the same way he had harassed me.