davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

This company XXXX and XXXX bought some illegal debt and has been harassing me as well as reported illegally on my credit report. This debt was paid thru XXXX XXXX and then called paid off because the loan is a loan that was considered illegal in CA as it was at 138 % interest and I paid 2 years ago and negotiated with original creditor. XXXX XXXX I disputed with and I proved illegal they need to remove this from my credit reports Experian and XXXX immediately. This was an illegal loan for 2500 that I paid over 4000.00. 

This is not owed and XXXX XXXX bought this from some other debt company that could not report it because it is illegal. I will not pay this company anything ever and I will get an attorney and go after them calling from spoof numbers, harassing me on the phone and threatening to show up at my house which is all illegal. I have stood my ground with them and want these removed from my credit reports immediately.. I already had another issue with this company buying a ghost debt that I proved not legitimate either and they removed. 

Experian 's online dispute does not work. XXXX was working on another dispute and I could not add this one for 30 more days.
Consumer complaint received 2020-07-29
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. (OR)

I had no need of credit so paid no attention to my score for a decade after my college graduation. Start to pay attention to it and see a number of addresses and open delniquent credit accounts in my name on my credit report. I initialize disputes with all 3 major credit bureaus and they were closed without comment. 

This year I can not even get my free credit reports. They ask me my information and ask me confirm my identity using my residency history, but the " correct '' answers they have on file are addresses i've never lived at. 

Despite being gainfully employed and never having a single line of credit in my life besides student loans which have always been in good standing, my credit is in shambles and i'm unable to secure apartment tenancy, credit cards, autoloans, home financing etc and I seemingly have zero recourse..
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

There are hard inquiries on my consumer credit report. I have contacted the consumer credit reporting agency to have these hard inquiries removed. The hard inquiries are a violation of my privacy. The hard inquiries also violate the FCRA.
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax refuses to delete an account in violation of a court order. The court ordered XXXX to remove the trade line from my account and make no further reporting, XXXX continues to report and Equifax continues to accept this reporting for monies that I never owed XXXX. This account should be deleted from my report. It has already cost me thousands of dollars.
Consumer complaint received 2020-07-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, ONLINE
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc. (TN)

On XX/XX/XXXX. I.C Systems flagged my consumer report with an account from XXXX. After spending hours on the phone with XXXX, I was notified that this account was open fraudulently in XXXX under my name. There was no social security number tied to the account just my name and an address that I never lived at and not familiar with. I.C Systems have violated my rights under the FCRA " Permissible purposes of the consumer report '' 15 USC 1681b. They are furnishing my consumer report without my permission. They also failed to conduct the proper investigation concerning this account which is another violation under the FCRA. Attached to this complaint is a police report, FTC report, and the leasing agreement where I was living at from XXXX which is in XXXX, FL. This is proof that there's no way I am tied to this account and I am in fact a victim of fraud! I am demanding this account to be deleted and all my information to be removed from your files or I will seek litigation. Note that I am documenting everything and keeping all replies for court purposes.
Consumer complaint received 2021-08-21
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. (FL)

On XX/XX/2021 I mailed in a dispute letter along with a letter from XXXX XXXX certified. I have sent several dispute letters regarding the account listed below which does not belong to me and is unauthorized to be on my credit report. I spoke with a representative at Experian who confirmed they received my dispute however the Experian is negative information on my credit report. I attached the letter from XXXX XXXX XXXX stating they are not handling this account and the information should be updated however Experian closed my dispute and disregarded the letter from Convergent Outsourcing. The other bureaus are not furnishing this information however Experian is and it needs to be deleted immediately.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Transunion, XXXX, & XXXX are reporting on a debt I do not owe. The debt from XXXX has been paid, and they continue to report a balance. This is affecting my financing.
Consumer complaint received 2021-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

Citi has failed to pay me my {$700.00} signup bonus for opening a Citi XXXX Account package ( checking and savings accounts ). I opened my account over the phone with a Citi rep and she assured me that I qualify for the promotion. 

I opened my account on XX/XX/21. The {$700.00} promotional bonus ( XXXX XXXX ) requires me to deposit {$50000.00} in " new funds '' into the account and hold it there for 60 days. The bonus will be paid within 90 days after the $ XXXX is in the account for 60 days. I deposited the $ XXXX into my account on XX/XX/21. If you add 150 days from this date, the last day that Citi should be paying me my bonus was on XX/XX/21. 

I filed a dispute and was given a Case ID ( CASE ID : XXXX ). Citi responded in early XXXX and asked me to provide a XXXX via mail. I mailed the XXXX and it has been delivered to the requested address by Citi. I am now still waiting for the promotional bonus, and Citi has been unhelpful. 

Citi has assured me that I have met all requirements and that I'm eligible for the bonus. I have followed all rules and Citi has failed to follow the rules outlined in their promotion.
Consumer complaint received 2018-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

They said I owed a bank of hbc bank I dont remember having this card and if i did is was pay for. In XX/XX/2007 ending of the card they said is XXXX and they saying they trying to take me to court to pay this off. I need help because i think this is a fraud company trying to take my money.thank you the amount is XXXX and the name of the company is XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (MO)

I contacted Wells Fargo to try to redo my mortgage payment cuz I was struggling to pay it. I was told there was nothing they could do for me so I went through another company to do a loan notification and they just took my money and I lost my house and had to file XXXX  XXXX
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

have had constant problems with continually failed or closed Cap One ATM up the streeXXXX where I make my payments at Capital One Caf They always apologize and recently I asked for a brand new card to remove that variable from the equation as well. Today i found out they charge/d a late fee ON THE DATE the payment was due at XXXX XXXX time- Which i said i would not pay ; for both reasons. They then said that they now will only credit once every 12 months - And i said aside from the atm failure 'you can't charge a fee while the day is still the day in-progress.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX  XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I was indicated as being late on paying my load during the XXXX XXXX. I was late for one day. I have done, althought out of work, all I can to keep payments going on this loan, yet XXXX said they would need to evaluate and let me know. I continued to follow up. Recently they are telling me I'm late on dates that I am NOT late and they are saying that they already told the credit companies that they want the late reports removed from my record. None of the reports have been moved. XXXX often tells me this and I have to fight for it on a regular basis because even though I pay a month in advance, they are not good at their own accounting and their reps are very negative and speak rudely when addressing issues. I am asking that the dates that are on the attached letter from XXXX be removed from my record as they indicated they requested back in XXXX. They also never told me that they requested this be removed. It is still showing on my XXXX XXXX and my XXXX. My XXXX by the way seems to be behind as well. These companies are affecting people 's lives. What are you doing to make this right and to make sure they are more up to date and proactive in updating our records? I'm not sure I understand how they are allowed to drive people 's lives into the ground. I've overcome it, but kids with Student loans are dying on the vine!!! It's so mean and cruel. We need to do better.
Consumer complaint received 2018-05-05
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Forster, Garbus and Garbus (NJ)

Back in XX/XX/XXXX, I was in court to try to settle a debt. We agreed for me to pay {$100.00} per month every XXXX of the month. 

The attorney told me to go online and make a payment, and thats what I did. I was always making my payments on a timely manner. 

In order to make a payment online, you need a CONTROL #. So every time I made payments I typed in my Control #. 

Last month (XX/XX/XXXX ), it tried to make a payment for {$100.00} via online and I was unable to do it because according to the website, it was BLOCKED. So I called the number and I tried to let them know about my control number being blocked. 
They told me they dont know the reason and it must have been a temporary thing. So I made my payment through the phone. 

Today, XX/XX/XXXX, Saturday, I tried to make my payment. And unfortunately my control # is still BLOCKED. I tried to call the number but the their office was closed and I tried to call every bodys extension and left voicemails because I really need to make that payment today. 

You were told to make a payment online and when you do, they try to BLOCK the control number that way you miss your payment and force you to break the agreement you made in court..
Consumer complaint received 2022-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America says that they paid my property taxes on XX/XX/XXXX because, they claim, I didn't pay the taxes. In fact, I paid the property taxes on XX/XX/XXXX. I have a bank statement from Bank of America showing that I paid XXXX  XXXX, which is the XXXX XXXX Tax Assessor on XX/XX/XXXX. Bank of America is making a mistake of putting the " Recoverable Corporate Advance '' of {$710000.00} on my account. It is not accurate. Maybe they paid someone else 's property taxes, but, they did not pay mine. This is urgent because Bank of America is selling this loan as of XX/XX/XXXX. This extra money that I do not owe is also erroneously reported on my credit reports.
Consumer complaint received 2020-02-01
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: WELLS FARGO & COMPANY ()

On XX/XX/XXXX, I became a customer of XXXX XXXX located XXXX XXXX XXXX XXXX, XXXX ; Missouri ( XXXX ). On XX/XX/XXXX, I filed a civil complaint with the XXXX District Court of Missouri located XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX, United States. Details of the complaint filed with the XXXX District Court of Missouri can be found by following this link : XXXX XXXX XXXXXXXX. When I filed a civil complaint with the XXXX District Court of Missouri, I proceeded in Forma Pauperis because of my inability to pay court proceedings. Representatives of the XXXX District Court of Missouri have afterwards requested for my financial records via postal mail they have sent to me. On XX/XX/XXXX ; I contacted XXXX XXXX  via e-mail and asked that they mail all financial records they have of me to the XXXX   District Court of Missouri. XXXX XXXX  have not responded to my request. I was previously also a customer of XXXX  XXXX XXXX. I created a checking account with XXXX  XXXX XXXX in the summer of XXXX. I was also a customer of Wells Fargo. I created an account with Wells Fargo in XXXX - XX/XX/XXXX. On XX/XX/XXXX ; I have filed bankruptcy with the Department of Justice ( Executive Office of the Trustee ).
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (SC)

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, ONLY NAME IS XXXX XXXX, ONLY ADDRESS IS XXXX XXXX XXXX XXXX, SOUTH CAROLINA, XXXX
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RevMD Partners, LLC. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NY)

Whom ever may concern, I was just billed a bill from a collection agency that a balance from XXXX is opened for {$750.00} but i paid all the debt owed to XXXX. company convergent is the collection agency has reached me and the bill was from XX/XX/2017 the letter from convergent advised me to file a compliant.
Consumer complaint received 2018-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder since XX/XX/XXXX. The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and Capital One never once called to alert that the account was past due. Instead, Capital One has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XX/XX/XXXX ) shows a {$64.00} past due balance.
Consumer complaint received 2020-02-01
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)

I writing this to ask you to remove this collection from my credit report since it a fraudulent. I attached the document that was sent to my attorney from XXXX XXXX XXXX. The signature on the contract was forged by the salesman, and the personal check is fraudulent. At the end of the document, you can see my signature on the certified letter to request the paperwork. I also attached a copy of my driver 's license for you to verified my signature. This is a fraudulent contract and an invalid contract.
Consumer complaint received 2018-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
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: Conn's, Inc. (TX)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Phone : XXXX To whom it may concern : Im writing in reference to a 30 day late payment listed on my XXXX and XXXX   Credit reports in XX/XX/2017 The card in which I made the payment on had fraudulent activity which caused overdrafts on my account and the payment I made to Conns being returned. The late payment was forgiven then they reversed it back to reflect a 30 day late payment. I ask that the late payment be forgiven as this unfortunate fraud incident was out of my control. All my payments other than that payment has been paid on time.
Consumer complaint received 2022-01-01
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. (GA)

My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing XXXX.