davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (AL)

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (GA)

On XX/XX/2018, I contacted XXXX XXXX XXXX to obtain an estimated payoff for my current balance of {$530.00}. An estimated payoff would factor in residual finance charges and the " bogus '' {$12.00} monthly maintenance fee charged by XXXX. I chatted with XXXX and then XXXX who both said that they do not provide payoffs. I then left a message for XXXX XXXX ( an exeuctive in the XXXX office at XXXX ), but I have not heard back from him. I then called XXXX 's Customer Service and spoke with a representative who was totally and absolutely clueless. In fact, I think he was in another country. He had no clue about providing a payoff. He tried to refer me to Consumer Credit Counseling but then said that he could not because the account was current. By my calculation, an estimated payoff would be {$560.00}, but I could not pay it online because it is more than the total balance. As such, I paid {$530.00} online to post today, XX/XX/2018. I do not want to receive another bill for any fees or finance charges because I tried ( to no avail ) to payoff this account with residual finance charges today. Yet, XXXX apparently has a practice, perhaps illegally so, of not allowing customers to include finance charges with their final payment. I see this as just another way to continue billing finance charges and fees. This is not fair to the consumer and should be illegal. According to this practice, a consumer would never be able to zero out the account because fees and finance charges would continue. I also want a letter from XXXX stating that my account has been paid off in full. XXXX needs to be investigated for illegal practices -- charging annual fees on closed accounts, billing {$12.00} monthly maintenance fees on closed accounts, and refusing to provide estimated payoffs to factor in residual finance charges. I will be searching for a class action attorney because these illegal and abusive practices must stop.
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

I had a motification loan that i was doing to lower my payment that the company in question kept making mistakes on causing my loan to be reported late. They kept telling me that they were taking care of it only to have nothing done and late pays continually showing up on my report. I own a car dealership and because of the problems caused by this company to my credit they reduced the amount of cars that i could offer at my dealership which essentially has forced me to close my doors. I have tried to resolve this issue with the company many times but nothing has happened. Please help.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I was shocked when reviewing my credit report and found a late payment. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. (DC)

I have a checking account with HSBC. The account was hacked on XX/XX/2018, and a fraud wire transfer of {$8200.00} was made. The wire transfer intended to send money to XXXX XXXX. XXXX XXXX contacted me on XX/XX/2018 because they thought this wire transfer was suspicious. I confirmed that transfer was fraud and contacted HSBC on XX/XX/2018 to cancel the transfer. I was told by HSBC that the money will go back to my account by XX/XX/2018. I haven't seen the money in my account yet so I called HSBC on XX/XX/2018 to inquire about the status of my money. After a long wait, I was simply told the transfer was cancelled and the money will be back to my account in a couple of days. I called HSBC again on XX/XX/2018, but the money was not in my account yet. I have difficulty in reaching a HSBC representative who could tell me when the money will be back to my account. I would appreciate it if you could help me find out when the money would be back to my account. 

Because it was extremely difficult to reach a HSBC representative, I filed a complaint through their live chat on XX/XX/2018 ( the confirmation number is XXXX ). However, none contacts me yet.
Consumer complaint received 2022-07-25
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. (DE)

In the accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C 1581 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (NJ)

In XXXX of 2018, I started getting calls from a company called " XXXX XXXX ''. I would get calls practically every day. The operator would represent that they are trying to collect a debt and immediately ask me for my personal information -- name, date of birth and address. On every call, I demanded a validation statement, and on every call, the operator would falsely claim that one had previously been mailed to me " many times ''. The operator would always refuse to give me any details of this alleged " debt ''. In fact, I know I have no unpaid bills, so this is bogus. Although " XXXX XXXX   '' seems to have a website and a physical address in California, these calls always come from anonymous mobile numbers. This is a scam where someone is trying to get my personal information by claiming a non-existent debt.
Consumer complaint received 2018-10-25
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. (GA)

XXXX report # XXXX for XX/XX/18 and trans union file number XXXX for XX/XX/18 and XXXX XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.
Consumer complaint received 2019-03-28
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. (TN)

Equifax and XXXX are reporting incorrectly that I am 120 day past due on the XXXX - partial account number XXXX. ( Please see page 11 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NY)

I have received numerous calls due to a past due credit card payment- I answered while on a brief break at work, the woman on the line asked if I was ( First, Last name ), in which I replied yes. she then disclosed the debt, where it was for, amount, due dates, all details without first verifying my identity, or that I was in fact the borrower. Anyone can say yes to this question. I am extremely upset that they would disclose this personal information to anyone who would say they are me.
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Comenity Bank, Children 's place store card
Consumer complaint received 2022-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

Good Afternoon, I am writing to you as I do not know where else to turn. I have already tried several times over the past year, spending countless hours on the phone with Fed Loan Servicing to resolve this issue and emailing them as well. I am part of the Public Interest Loan Forgiveness Program and have contacted Fed Loan multiple times to correctly update my " Qualifying Payment Count '' to the accurate amount. All of my Employment Certification Forms have been submitted and uploaded by Fed Loan, and are even listed with the correct dates in Fed Loan 's letters that they send me, yet they still have an inaccurate number of Qualifying and inaccurate amount of eligible payments listed, keeping me at XXXX qualifying payments when the number is actually over 90. They estimate my forgiveness in the program to be XXXX when it is actually no later than XXXX. I have been in this program since XXXX making on-time monthly payments while employed full-time for qualifying employers that have been APPROVED by Fed Loan, yet they still do not update my payments despite countless requests, responding only with generic language from their website when I submit complaints through writing, and providing inaccurate information over the phone. The only time I did not make on-time payments while employed full-time by a qualifying employer during the past 11 years was for a brief period of 1 year total ( respectively one period of 8 months not working and another period of 3 months not working ). where I was not working. The only other time I did not make payments was during Covid when I was working for a qualifying employer but the amount was waived for all those in the Public Interest Program. I was told by Fed Loan Servicing that these {$0.00} payments would count since I was working full-time for a qualifying employer. They STILL have not been updated as qualifying payments in my account. 

This has been going on for over a year, and they each time fail to submit accurate counts. They also fail to provide a SPECIFIC timeline of days or a specific date of when I can expect to receive an ACCURATE updated payment count. Any help in resolving this issue would be greatly appreciated.
Consumer complaint received 2022-07-11
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-12
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. ()

I came to a agreement to settle the account in full with XXXX XXXX XXXX for a lesser amount than I owed. XXXX agreed for to settled the account paid in full for {$3300.00} XXXX which I paid on XX/XX/2021. I also have the letter stating that the account was settled. But it is still showing on my experian and equifax that I still owe {$3300.00} and I would like this removed immediately!
Consumer complaint received 2018-10-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nelson Cruz & Associates LLC (TX)

XX/XX/XXXX Nelson Cruz and Associates XXXX called me telling me I had an old debt with XXXX XXXX and was that I being sued and my home foreclosed on. I have no idea what they are referring to. They refused to send anything in writing. Got very hostile with me. Called my daughter as well. This firm continues to to call my daughter who is a teacher my elderly parents and my sister. 
XX/XX/XXXX NCA called my elderly parents and bothered them. called my sister as well. 
I called them back. They refer to cross collateralization on a debt from XXXX. I asked again for them to send me a letter stating what and if I owe. They again refused. They state I owe XXXX XXXX XXXX from a debt from XXXX-XXXX. they can not tell me if its a loan credit card or what. I know on no such debt.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a car title loan with  XXXX   XXXX  on a  XXXX   XXXX   XXXX   in 2013. I  lost my job and was unable to make the payments. They took my car and my account was turned over to a company called  XXXX   ,   XXXX . They sued me for {$1000.00}. I paid this to this company and have satisfied this debt. I asked this company to remove this negative item from my credit report but was told that they bought the account so they could not remove it from my credit report. I have contacted  XXXX  that was listed on the credit report was not the original account holder and they would not remove the negative item because I paid another company. This was done by phone. I have sent  XXXX  ( to the address on my credit report  ) 2  letters with no response. I have tried to dispute this with the credit bureaus but I have not gotten anywhere with them. How can I get a negative item removed when I pay the debt when everyone keeps telling me that they ca n't do it because they do n't " own '' that debt anymore. I am trying to buy a house and this is causing me to be unable to qualify for a mortgage. If you pay off a debt then it should be removed from your credit report.
Consumer complaint received 2018-10-25
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: Heritage Financial Group, Inc. (IL)

According to my XXXX  credit report an hard inquiry was made on XX/XX/2018 from someone within this company. I sent them a letter that I've attached below that stated that I would like for them to provide me with proof of the given authorization that gave them the right to pull my credit on that specific day. Instead of complying with my requests someone within their company pulled my credit again without my authorization on XX/XX/2018. I called and left a message for XXXX numerous times and never received a call back.
Consumer complaint received 2018-10-25
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. (HI)

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-10-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CU Recovery, Inc. (MD)

I have attempted to resolve the debt and we could not come to an agreement. The debt collector has started calling me at work. I have told him twice that I can not receive personal calls and may lose my job. When I said " DO NOT call me at work! '' he said " that is not an option ''. He states that he is a representative of XXXX XXXX  to persuade my co-workers that is an urgent matter concerning my insurance. This is a lie and deceptive practice. While the creditor is XXXX XXXX  he is the debt collector NOT the creditor.

His Name : XXXX XXXX  Company he works for : CU Recovery His phone number : XXXX
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a credit card. It was denied. Transunion score - XXXX. I have another score for Transunion of XXXX. XXXX - poor - XXXX - fair. The other two agencies XXXX  and XXXX are in the XXXX range. My score has been going up steadily in the last year except for the XXXX score which has not changed. I called Transunion but got no answer on this matter. Thank You. 
XXXX Credit Card. XX/XX/2018.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NJ)

I called XXXX XXXX XXXX ( XXXX card ) on XX/XX/2018 and XX/XX/2018 for a credit increase both times I told the representative not to run my credit report. However I received notification from the credit reporting bureau that I have a hard inquiry. I clearly told the reps not to run my credit. I called XXXX and was advised that they did not run my credit report but this is not true I have 2 hard inquiries.

This is a fraudulent business practices. They also stated the calls are recorded so they can be pulled
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-02-16
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)

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXX XXXX : XXXX -- -> : {$18000.00} XXXX XXXX  : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}
Consumer complaint received 2018-10-25
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. (GA)

XXXX report # XXXX for XX/XX/18 and XXXX XXXX file number XXXX for XX/XX/18 and equifax XXXX for XX/XX/18 i request the bureaus to remove all of my old addresses they did not and as required by the fcra to provide me with the method of verification they did not.
Consumer complaint received 2022-03-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FORD MOTOR CREDIT CO. (GA)

I was awarded a car in a seperation ( XXXX XXXXXXXX related ) where I was the cosigner. Ford Motor Credit would not work with me to get the title in my name. My abuser repeatedly used the car to harass and abuse me so I turned in the vehicle after repeated attempts to get help and after a year of struggling. Ford Motor Credit never attempted to contact the originator of the debt. They contacted me by mail stating the car would be sold. 4 years later I was informed that they were suing me for the balance. My response was not recorded at the court, I did call Ford Motor Credit and their attorney and informed them that the vehicle was sold and that I was not the originator of the debt, they acknowledged that they never contacted him laughed at my abuse claim and hung up on me. My wages have now been garnished for 1200 more than the debt. I was never notified of the judgement and it was ever put on my credit report.
Consumer complaint received 2018-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (LA)

I applied for some personal loans on a few sites, and apparently my information was sold to numerous foreign groups who started calling repeatedly and aggressively saying they were from legitimate companies like XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I spoke to numerous representatives who were all promising loans but needed a deposit first. One company did not want money, but {$200.00} in XXXX cards saying that the money would be refunded after the first payment. I called the police and they have opened a report. I called XXXX XXXXXXXX XXXX   and they are aware of the scam. Everyone seemed to be aware but me. I had sent them my ID, and they already had all of my banking information as well.