davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (WI)

experian has not provided a response to my credit dispute for over 30 days it has been almost 60 days since my dispute was sent for the target red card and XXXX XXXX XXXX credit card and loan accounts.
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (PA)

I do not know why this is back on my credit report because it was already moved as an unverified account due to fraud. I do not know who diversified Consultant 's is or what they do but I have written them numerous times and asked for very specific information and they are ignoring my requests.
Consumer complaint received 2019-02-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (PA)

Back in 2005 we got a auto loan from Wells Fargo financial May want to look at our loan we also had a mortgage loan through Wells Fargo financial apparently went they electronically transferred our account to Wells Fargo Mortgage they claim lost a lot of our material saying we are behind on payments fought them for over a year with harassment and foreclosure papers many times stuck to are door very embarrassing so much stress and nasty people to deal with awful experience
Consumer complaint received 2019-02-13
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. (FL)

I received a copy of my credit report and there is an account with XXXX XXXX XXXX showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.
Consumer complaint received 2019-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (DC)

I tried several times to do a loan modification with Selene that was denied. I ended up filing for bankruptcy and surrendering the property. Selene Finance is now attempting to do a sale of the property. Selene never gave me notice in writing that they were attempting to foreclosure on my property. I understand that if I didn't pay that it would happen but I never got any paperwork to show that I foreclosure was being done. I owe to much to keep the property and that's mainly because they kept denying my loss mitigation packages. I even attempted to give the a deed in lue of after the bankruptcy and they denied that also
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I was a curent Section8 government program attend and in XX/XX/XXXX i  found a house for rent that accepted housing vouchers to provide a safe place for me and XXXX children payed on time as well as deposit, through out the whole time of lease with XXXX they failed to provide safe housing so after 2 years of heating issue, mold which i have XXXX   children my housing manager found the house unsafe and home went into abatement and i had to move the lease was terminated due to their part of not providing safe housing while on the program, they have threatened to sue me as well as garnish my wages, they have reported on my credit redeckless amounts that werent owed as well as a company that i never rented from ..My lease was with XXXX  and its reporting XXXX XXXX which i have neved leased with i have all proof and left owing nothing when the home went into abatement due to the repairs of the home I had to move because they have failed to provide safe housing which they knew before a accpeting a section 8 particpant rent paid by the goverment. I didnt recieve my deposit back and they are reporting i owe them which cant be true i have all recipets, documents and even the letter of abatement giving them 30 days to fix repairs and they failed they have just put my family through XXXX and now lying saying i rented from another company. Please help as im trying to but a home now off the Goverment program i had to relocate my kids which XXXX where XXXX right around XX/XX/XXXX.
Consumer complaint received 2019-02-13
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. (PA)

I contacted XXXX and XXXX XXXX and asked them both to remove this account from my credit report. 

This is on the wrong XXXX XXXX XXXX account or my identity has been used by another person in two states. I am not sure but the attached documents that I received from the FDIC that were forward to them from XXXX XXXX the president of XXXX clearly proves that this account is not mine. 

This account was initiated in a state that I never lived in. The so-called product was delivered to another state that I never lived. 

Why would they even issue credit to this person? A person that gave them 2 different addresses. A person that used 3 different cards and one declined. It doesn't make since. 

I contacted Equifax, XXXX and XXXX  numerous times and I was told this account was validated. I asked them all for the documentation that they used to validate this account and if these are the same documents that they used to validate this account. It is apparently not me. They have placed this in the wrong XXXX XXXX XXXX credit report.
Consumer complaint received 2021-03-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Pell Grant Overpayment. ( {$400.00} ) ( There was not an option for school grants. If this has been sent to the wrong dept. please forward. ) On XX/XX/XXXX I called XXXX XXXX XXXX, the collection agents for my two defaulted federal student loans. ( XXXX XXXX XXXX ) During that call the agent told me in order to qualify for the rehab I would need to pay in full the " Grant Overpayment ''. I was unaware of any overpayment. This was a " first time '' Pell Grant. ( issue date XXXX ) I agreed to pay the overpayment. During that call, before setting up the loan rehab, the agent took my payment in full over the phone. Further, the agent impressed upon me that all negative reports to the credit reporting agencies would be removed upon completion of the rehab program. 

I successfully completed the loan rehab XX/XX/XXXX. The two federal student loans I have are reporting correctly. Those two debts report " current '' and no late payments. The Pell Grant Overpayment reports Collection. Collection as of XX/XX/XXXX. So, 7 years of a collection is the result. Experian says the baddie will stay until XXXX. XXXX!!! 

Called and wrote to Experian ( other two c.r.a. 's are not reporting the debt ). 
Experian reports the trade line as : " Account type : Student Loan '' ( it was grant when distributed, yet reports as Loan. ) " Account status : Paid, was a collection account, insurance claim or government claim or was terminated for default. ''
Consumer complaint received 2019-02-13
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. (ID)

I have been notified through XXXX website that I have been a victim of the data breach of XX/XX/2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from XXXX   and I received no reply.
Consumer complaint received 2019-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (WA)

I received an invoice letter from XXXX XXXX, dated XX/XX/19 for {$550.00}. I have never heard of this company and haven't ordered from this company before. 
They said that I placed an order but due to the high amount, they are unable to process without some advance remittance. They asked me to mail a check, money order or credit card ( for the above amount ) and they will process the order immediately. 
I called the number XXXX. It said that all agents were busy and put me on hold. 
I contacted the Federal Trade Commission and put a fraud alert on my credit report.
Consumer complaint received 2019-02-01
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (MS)

I got a loan from XXXX XXXX for the amount of {$800.00}. I attempted to pay them the money and thought I would pay them back with just a few dollars for interest. They ended up restructuring the loan of {$800.00} saying that I owed {$2000.00}. The company is engaging in predatory lending practices on its loans to the consumer. The balance owed is more than 3 times what was borrowed. Trueaccord is engaging in assisting XXXX XXXX in predatory lending services working hand in hand.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (ID)

I have been notified through Equifaxs website that I have been a victim of the data breach of 2018. According to their files I have many open accounts that I have no knowledge of and do not belong to me. They are using these files as references for the security questions to gain access to my report. Because these accounts are not mine I have no knowledge of the details surrounding them and therefore can not access my own credit report to correct these errors. There are also errors regarding my name and addresses and former employment. I have made attempts through email to get help from Equifax and I received no reply.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (CO)

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Consumer complaint received 2019-02-13
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is showing up on my credit reports. It is not my account it belongs to my wife. This account is showing a balance even though, with a scheduled payment due even after I filled for Bankruptcy and was discharged. I filled a dispute on XX/XX/2018. It has now been over 60 days and this company fails to properly correct my reports.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (CA)

in accordance with the fair credit reporting act.XXXX account number.i dont see a account number on my credit report but i am pretty sure you can figure it out with my personal information.anyways my rights were violated 15 u s c 1681 section 602A have the right to privacy and 15 u s c 1681 section 604A section 2, it also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

I used my Citi Bank credit card to book flight tickets on XX/XX/2018 at XXXX XXXX EST. The round trip itinerary was from XXXX to Washington DC. The transaction amount shown was {$1200.00}. On XX/XX/2018 I realized that I used wrong dates when making the reservation. I requested a cancellation on XXXX XXXX website at XXXX XXXX EST on XX/XX/2018, and then I did receive the cancellation confirmation from XXXX XXXX XXXX ( the Merchant ) stating that they had received my request. 

On the Merchants website it stated that Notwithstanding any contrary booking terms and conditions and/or fare rules, for online bookings made via our US Website, and seven days before departure, you may cancel the paid reservations within 24 hours after purchase for a full refund in accordance with our refund process set out at Changes, Cancellation and Refund. 
I contacted Citi Bank and opened a dispute on XX/XX/2018 regarding this charge as I hadnt received refund from the Merchant.

Citi Bank asked me to provide supporting documentation, I submitted the booking confirmation email as well as the cancellation email, both sent from the Merchant.

Citi Bank then contacted the Merchant but then declined my dispute as the Merchant told them the tickets were non-refundable. 

According to Department of Transportations rule ( see : https : XXXX ) as well as being stated on the Merchants website, the tickets I bought were eligible to get a full refund.
Consumer complaint received 2019-02-13
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 — Their investigation did not fix an error on your report
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

On XX/XX/2018 I sent out a dispute to the credit bureaus regarding the inaccurate reporting from this account. 

This account reports my account currently as Past due, 120+ days late, Charge Off account, update my credit as past late payments from history on days this account was already closed. This is a BIG problem as I filled for Bankruptcy and was XXXX in XX/XX/2018. So all negative information that was described and reported recently account my credit report is VERY inaccurate and is a MAJOR violation of my rights. 

It is now over 60 days in to my dispute and this company fails to conduct proper investigations per FCRA section 609 and 611 that if this was done, the incorrect reporting would be deleted. This account fails to research and delete the inaccurate information from my reports.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

I have tried to see a copy of my credit report from the XXXX XXXX XXXX website. Equifax, XXXX, and XXXX all would not show me my report.
Consumer complaint received 2019-02-13
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 — Their investigation did not fix an error on your report
Company: BB&T CORPORATION (TX)

On XX/XX/2018 I sent out a dispute to the credit bureaus regarding the inaccurate reporting from this account. 

This account reports my account currently as Past due, 120+ days late, Charge Off account, update my credit as past late payments from history on days this account was already closed. This is a BIG problem as I filled for Bankruptcy and was discharged in XX/XX/2018. So all negative information that was described and reported recently account my credit report is VERY inaccurate and is a MAJOR violation of my rights. 

It is now over 60 days in to my dispute and this company fails to conduct proper investigations per FCRA section 609 and 611 that if this was done, the incorrect reporting would be deleted. This account fails to research and delete the inaccurate information from my reports.
Consumer complaint received 2018-11-13
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NY)

XXXX has been non-compliant with removing the unverified account DISCOVER BANK which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (VA)

To whom this may concern I sent out a certified letter asking the company to send me a document bearing my signature and they did not do so. The report was removed from my credit account. The company is using illegal tactics because they sent a letter stating that it will not show up on my credit again and it did. They had numerous of time to send a letter or document bearing my signature and that never happened. I am receiving abusing and threatening calls from them saying I owe them. I dont owe them anything and I would like for this illegal tactic to be investigated.
Consumer complaint received 2019-02-13
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

This company is reporting multiple accounts on my credit reports that is inaccurate. I sent out a dispute to all credit bureaus regarding this company on XX/XX/2018 and still this company has verified information back to the bureaus that is incorrect and inaccurate. 

This company chooses to violate my rights by failing to complete proper investigating under section 611 and 609 of the FCRA. This company continues to report incorrect charge off information even after these accounts were closed. In some accounts showing that I was late even after the dates of last activity showed these accounts to be closed. 

Even after filing for a chapter XXXX bankruptcy, this company shares incorrect payment history while also not reporting statements like this account is currently a charge off account, 120+ days past due, 180 days delinquent, Account renewed, and/or no update received. This is obviously a violation as companies show only report accounts current/included in bankruptcy. It has been over 60 days from my initial dispute and I have sent 3 in total and this company still fails to correct this incorrect information and still chooses to delete this incorrect information after being challenged.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CO)

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Consumer complaint received 2018-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

This person was selling football tickets online so I reached out via email and later by texts. The person requested to use XXXX for payment which is associated with my XXXX quickpay so I felt safe to do so. but that person never sent the tickets nor responded, phone Shut off, which I realized it was a scam. I IMMEDIATELY contact XXXX but was told they couldnt cancel or stop the payment from my account as it was an instant transfer even though it was a Sunday the money was still showing pending. so I called again early next day to report a claim, so far the money has not been refunded to me and I received a mail from XXXX saying the transaction is valid.