davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There are two loan accounts reflecting on my credit report from XXXX XXXX XXXX OF, one in the amount of XXXX and the other {$6000.00}. These accounts are showing as a collection, however based on the Statute of limitations by California law these accounts are not allowed to reflect in my credit history after four years. These accounts were closed XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-07-23
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. (NJ)

I received notification from my insurance provider that a claim was submitted and paid. I later learned that the service provider offered the claim incorrectly by submitting the claim to my wife 's secondary and primary insurance. I notified the XXXX XXXX group, which acknowledges their discrepancy and advised that the claim will be submitted correctly, and the collection agency reported to cease collection activity. I subsequently received a notice from XXXX continuing to collect and advising me to make payment with them. I disputed the amount owing report # XXXX with Experian. I submitted proof that the claim was paid via official documentation from XXXX XXXX XXXX with no liability owed as payment for the service is reduced. The service was done by a network provider and means the provider of service has agreed to accept the contracted amount, less any pricing changes due to modifiers that may have been submitted on the claim as payment in full. I spoke with an employee at Experian who confirms receipt of my uploaded documents. The employee states that the information was forwarded to the collection agency for verification. I then receive an alert that the investigation is complete and verified as accurate despite proof that the claim is paid and I have no liability for an additional payment. I have provided documentation to XXXX, Experian, and XXXX XXXX XXXX, and this negative debt remains on my credit report, adversely affecting my credit score. The debt should have never been placed in collection due to improper billing practices of XXXX XXXX XXXX, which acknowledges their error. I am also alarmed that when submitting proof of a paid claim to Experian, they are not also verifying the accuracy of the information. They are just forwarding documentation without verifying information and accepting the accuracy of the reporting agent of the debt. If Experian looks at the data, I submitted they would confirm that there is no liability. I am also a paying monthly consumer of Experian, and the services provided is appalling.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

American Express Card is reporting incorrectly to XXXX  ; XXXX and XXXX on the AMEX partial account number XXXX. ( Please see page 14 of the  attached credit report. ) I make regular monthly payments to American Express, over the minimum amount due, and I have never missed a payment. The monthly payment due is {$920.00} per month and I am making payments of over {$1000.00} per month. As I stated above, I have never missed a monthly payment on this account. American Express is reporting lates on this account but can not provide a specific date. There are no lates to report. The inaccurate reporting of this account is a direct violation of the Fair Credit Reporting Act and is harming my credit score. This  information needs to be updated to report accurately on my credit report.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (OH)

Today ( XX/XX/19 ) XXXX called 4 time consecutively starting at XXXX, XXXX, XXXX, XXXX. I was at the post office and couldn't talk but on the 4th call I picked up thinking that it may have been the camp my daughter was at to tell me something had happned. When I picked up, they hung up. I called back and spoke to a representative and advised her that they just called my 4 times in a row and wanted to know what they needed so urgently. She said that their records showed they had only called me once today. I informed her my records show 4 times with in 2 min and I would be reporting them for harassment. She again told me they had only tried once today. Please note that somehow their system is not logging all calls dialed out. I do have records that will show the date and times they called.
Consumer complaint received 2019-07-23
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: Consumer Portfolio Services, Inc. (NC)

I pulled my XXXX & XXXX  credit reports and found CONSUMER PORTFOLIO SERVICES had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Consumer complaint received 2019-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (CA)

JH PORTFOLIO DEBT EQUITI Account number XXXX .... 
Recent balance {$1700.00} as of XX/XX/2019- this is not my debt. XXXX XXXX stated they do not have any past due account in my name. This collection company is reporting erroneous collection on my credit and is aggressively attempting to collect debt for the creditor-XXXX XXXX whom I don't owe anything ... this is violation of f.c.r.a. and violation of fair collection practices act
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Carbon County (CO)

I recently had my credit pulled and found out that I have a collections account reporting that I have a past-due bill. I sent the company a validation request on XX/XX/XXXX. As of today, I have not heard anything back from them. I don't believe this debt is mine
Consumer complaint received 2019-07-23
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. (FL)

Hi, I'm relocating to New York and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX Bank on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.
Consumer complaint received 2019-07-23
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)

Hi, I'm relocating to XXXX XXXX and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX XXXX on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.
Consumer complaint received 2019-06-11
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (MS)

Keep calling my phone from different numbers throughout the day and night. ( XXXX ) XXXX XXXX, ( XXXX ) XXXX  and ( XXXX ) XXXX. It is overwhelming because I am at work most of the day and phone keeps going off for nonbusiness calls. Calls everyday all day.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (PA)

I received fraud charges on my card on XX/XX/2019 for XXXX, and XXXX XXXX XXXX, XX/XX/2019 online XXXX,XX/XX/2019 XXXX XXXX, XX/XX/2019 online XX/XX/XXXX, lots of money gone and they are giving me the run around getting the charges fixed and told me I had to call up all the places that were charged and talk to them to get the money refunded, so I called all the places and they told me I had to go through the card providers to get it all fixed. total run around, my other bank didn't do this
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

During 2018 I had two unexpected life events. The first one was the sickness and later dead of my father, unfortunately he was diagnosticated with XXXX XXXX, his sickness impacted the household income, I didnt expected the situation where my full income went straight to my family basics needs when I applied for this credit card.

To make the everything worse I was impacted by the destructive wildfires across all California in 2018, I was impacted because the wildfires prevent the company to continue working so work was stopped by week and at some point inconsistent, as result of the wildfires my income was reduced for less than the half but was a disaster out of my control.

With my father in the hospital I was paying all the basic life bills and expenses as food, electricity, rent, etc. with a reduced income. With the time my father passed away, but then I had to get enough money to pay a funeral.

From someway or other I made some payments, but not in the right time due to those catastrophic events ( My father sickness and later dead and the 2018 wildfires season in California ) out of my control, Life happens. As results of all these my credit history was destroyed, I called Capital One to ask for a relief or forgiveness with the late payments on my credit report history, but they were unable work on it, even when the 2018 Wildfires in California were National Emergency. I am not asking for a forgiveness in money because I already paid in full the balance owned to Capital One, I am just asking to delete or remove the late payments in my credit report history, the creditor should provide a relief due to Catastrophic and National Emergencies like this.
Consumer complaint received 2022-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

It's sad I have to ask for your help as nelnet allegedly accused me of filing identity theft for student loan balance when I took the time to provide evidence on XX/XX/XXXX via certified mail Tracking XXXX and uploaded documents in the Neltnet portal on XX/XX/XXXX. On XX/XX/XXXX, I spoke to another lady who called and spoke with me for XXXX mins with ZERO assistance and stated if the school defrauded me and charge for room and board to inflate the numbers on the loan amount for their benefit is not Nelnets problem as they are only the servicer. The female on XX/XX/XXXX did not offer to investigate and validate the debt for excessive amount of over {$27000.00} + Interest accumulated since XXXX XXXX for room and board in which I attended school 100 % online. the loan balance is inacurrate and Nelnet does not care. I sent all info and still no recourse to fix the issue. It is unfair and unconscionable that I should pay for something I did not receive. I asked nelnet female agent on XX/XX/XXXX the detailed audit breakdown of the XXXX XXXX XXXX of my account, XXXX number and XXXX of Nelnet so I can offset my accounting records for the fraudulent amount tagged to the loan balance for room and boarding and I was denied the info I demanded on the phone to be mailed and also in my letter to Nelnet via certified mail and todate Nelnet is acting unconscionable and unfairly. 

Nelnet also has failed to update my legal name since XX/XX/XXXX as this has affected issues with name variations on my consumer reports of not able to get instant approvals. I sent documents on in XXXX, XXXX and XXXX and to date I have been ignored Nelnet has all documents on file with respect to my dispute escalated to you now
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (NC)

XX/XX/XXXX I called Equifax because I was still unable to access my credit report and all of my creditors are still removed from my Equifax credit profile. At first Equifax was reporting was reporting my creditors on my credit report and since sometime in XXXX they out of nowhere have removed every creditor from my Equifax credit report that I ever had. Ive been calling Equifax for months to get them to put my creditors back on ny credit report, and unlock my Equifax account and they still havent done anything and its been a whole year. I have plenty of proof showing from the two other creditors XXXX and XXXX showing that I have years worth of credit history, I also have proof showing my Equifax Credit report was showing my creditors. Then they removed some of my credit accounts and now theyve removed every single creditor from my Equifax credit report that I ever had, and thats causing me to get denied for things I need like a place for me and my child to live and a car or loan
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Earlier complaint not addressed they sent me this falsehood. i have tried to contact them multiple times by phone can not get through they hang up or give another number same issue. Can not access through email receive this reply- Another end run! 
I have tried they do NOT connect as usual!!!! 

On Tuesday, XX/XX/2019, XXXX XXXX EDT, Experian Customer Support ( XXXX ) <XXXX> wrote : Dear XXXX XXXX XXXX : Thank you for contacting Experian CreditWorks Basic. I understand your concerns and apologize for the delayed response. I will be more than happy to assist you. 

However, you have contacted the Customer Member Services and I am unable to access the information needed to assist you. You would need to contact our National Consumer Assistance Center to process this request. Please give them a call at, XXXX. There may be a bit of hold time, depending on the call volume at the time you may call, and the representatives may only assist you with Experian information, not XXXX or XXXX. 


You can reach XXXX by giving them a call at XXXX. XXXX can be reached by calling them at XXXX.
Consumer complaint received 2023-06-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.
46.8K 511 9872
Consumer complaint received 2022-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

During the pandemic, Wells Fargo marketed to me that I could take a forbearance, which I did. They also made it seem that the 3 months of payments missed would be added to the end of my 30 year mortgage. This did not happen. They held my account in a " Forebearance '' status for last 20 months. I paid the 3 months missed during forbearance today, XX/XX/2022. 
It is impossible to speak with anyone other than an entry level phone operator who knows nothing. I played the game of on-and-on for the last 20 months simply trying to get the bottom of this. 
I never missed any of my payments, immediately resuming my normal payment schedule of paying every 2 weeks.

I also wanted my mother, XXXX XXXX, taken off the loan as a co-signer. That was part of the last 20 months of being run around. 
Wells Fargo is horrible with keeping in contact and being truthful and forthright.
Consumer complaint received 2018-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC (AZ)

This collection company sent me a fake XXXX XXXX notice about setting up a payment plan. I called the number and a middle eastern man answered the phone. He never once said he worked for XXXX XXXX, just that he needed my social and he would transfer me. 

Not catching on to the scam, I unfortunately gave him my social. I then heard multiple middle eastern people talking among themselves and hung up. 

" XXXX XXXX '' has called me today from caller ID # XXXX and # XXXX leaving a message to call back XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have notified all creditors that I am moving forward with a personal bankruptcy and I'm still being harassed.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I, XXXX XXXX, a Natural Person, Cardholder, rights have been violated by Capital One Bank USA NA, my credit limits was decreased without my consent and authorization. As a federally protected consumer, my rights have been violated.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Our credit card was fraudulently charged. We were informed that because we said we had maintained control of the card, that the charge was real. The charge could NOT have been made without our presence. We did not charge this! 

The following is what we have done. 
XXXX Citi statement included a fraudulent charge of $ {$380.00} We immediately notified Citi of the fraud XXXX statement included the same charge plus interest of $ {$24.00} XX/XX/21 Contacted Citi customer service who said to disregard this and it is under investigation. 
XX/XX/21 Received a letter saying that the dispute was closed and we are responsible ( attached ). 
XX/XX/21 Received a letter say the Citi is investigating the dispute ( attached ). How XXXX is this and shows internal procedures of Citi. 
XX/XX/21 Elevated the issue and sent a letter to XXXX, XXXX XXXX. ( attached ) No reply. 
XX/XX/21 Sent another letter to XXXX XXXX, XXXX XXXX. To date ( attached ) no reply.
Consumer complaint received 2022-10-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 fumish a account without my written instructions.

15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2023-04-03
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. (VA)

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. XXXX XXXX XXXX : ACCOUNT # XXXX, both XXXX  ACCOUNT # NOT SHOWING, XXXX XXXX  : ACCOUNT # XXXX, XXXX  XXXX : ACCOUNT # XXXX, XXXX XXXX XXXXXXXX  : ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # information is incorrect delete account. 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 a 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.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc (IL)

On XX/XX/2024 Consumer collection XXXX added a derogatory mark on my credit report ( XXXX, XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Consumer Collection XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.