davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2018-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

I previously submitted this complaint and the number associated with that complaint is XXXX. I again ask for your assistance. 

On XX/XX/2017, I made an electronic payment through Wells Fargo to XXXX in the amount of {$500.00}. I have come to learn that this payment was made via bulk transfer from Wells Fargo to XXXX utilizing some XXXX XXXX agreement between Wells Fargo and XXXX. These facts I have learned during the numerous phone calls I have had with them since XX/XX/XXXX in an attempt to recover my money. 

I still do not have my money. Neither Wells or XXXX can find my money. I don't know who has it so there is really nothing more I can do. And, {$500.00} is ALOT of money to me, even though it is a miniscule percentage of the amount electronically sent daily from Wells to XXXX XXXX. Nevertheless, I am left without my money and no recourse. This is an area you could help protect consumers. Please read.
Consumer complaint received 2022-03-10
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. (NC)

I have contacted all 3 bureaus to fix the issue. It had been fixed when I called but afterwards the information was put back on my reports. They are also reporting inaccurate information pertaining to my accounts across all 3 bureaus. The reporting information is inconsistent and it violates my rights under the FCRA.
Consumer complaint received 2018-04-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. 
Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

I purchased 2 Victoria Secret ( VS ) gift cards which were charged on my VS credit card on XX/XX/19 at XXXX XXXX Mall in XXXX XXXX, Ca, in the amount of {$150.00} each. I have done this for the past several years to give to my daughters as XXXX gifts. On XXXX XXXX XXXX my daughters decided to shop on line and found that both cards were at a XXXX  balance. I have been to the store and was told they could not help me. I called their customer relations department several times and opened a case with them for further investigation. I also filed an incident report with the local police and faxed it to VS at their request and to date I have not received a response. I had both cards in my safe until XXXX and the PIN numbers were secured. VS customer relations was able to tell me that both cards were used and at what location. If they can do this, they should be able to investigate further and determine the time of transaction and if the PIN numbers were used or if they were bypassed. Apparently this happens frequently with VS gift cards. VS needs to figure out a way to protect their customers and secure their gift cards. I will never purchase a VS gift card again.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I deposited {$3200.00} In cash Wells Fargo. The deposit was never Posted to my account. Wells Fargo told me there is nothing they can do to help. After they did their due diligence they said I canceled the transaction and took the money out. The accusation of me canceling the deposit to totally false. 
They refuse to give me the video footage that shows that I cancelled the transaction. 
I up loaded the document Wells Fargo provided stating the ATM transaction was successful..
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (TX)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to Experian, XX/XX/XXXX, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (ND)

I had a credit card in XXXX credit limit XXXX. The credit card company sold it ; Midland funding ended up trying to collect in XXXX for roughfully XXXX. XXXX XX/XX/XXXX I found out they have a judgement for XXXX on me since XX/XX/XXXX. Years ago I asked for validation of the debt which I did not recieve, and havent heard from them in years. Now I call them to try to figure this out and they tell me the bill is now XXXX and they aren't budging. My biggest complaint is if this is from a bill from XXXX and they came after me in XXXX, and without notice or an opportunity to question a judgement claim and judgement against me in XXXX. So XXXX to XXXX years whats the statue of limitations on this matter? Then XXXX to XXXX another XXXX ... so this has been going on for 22 years total And why does Midland Funding seem to be doing business unchecked? I am so confused ... if I legitimately owe a bill then I will gladly pay it but what is a fair price for a {$300.00} credit card from XXXX?
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

My loan is held by Mohela. Unfortunately, filing complaints is the only way I can get any information from them. I recently sent a message via the website. It took over 1 month for them to reply. I am now waiting on hold for 30 minutes, and when someone picked up, she had to transfer me to someone else. I'm on hold again! I have never been able to get through to anyone at Mohela. 

I have questions about my loans. I think they miscalculated my progress toward PSLF loan repayment, but I can not get through to anyone to talk about this. I think I am at 117 qualifying payments according to counting the payment tracker on the Mohela website. However, their website has me at 101 qualifying payments. We need to talk about this. 

Getting messages 1 month after I send a question is unacceptable. No one in their right mind would ever accept working with a company who routinely demonstrates such bad customer service.
Consumer complaint received 2023-08-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

Per 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. 

I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, last reported date, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing the following items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

I obtain a loan for XXXX. XXXX for a XXXX XXXX XXXX trough flagship credit acceptance first payment due date is XX/XX/XXXX made first payment on XX/XX/XXXX for XXXX loan went up instead of down went up to XXXX Flagship say they apply XXXX to interest and XXXX to principal, then I made a payment on XX/XX/XXXX due date XX/XX/XXXX flagship credit say XXXX went to interest and only XXXX dollars went to principal. They are calculation everything wrong my loan keeps going up instead of down. Money keeps getting apply to interest only not principal. The website doesn't allow you to make extra payments only minimal payments of XXXX. Now pay off balance shows XXXX as of today XX/XX/XXXX amount keeps going up not loan loan first payment is due XX/XX/XXXX and land matures last payment is XX/XX/XXXX it keeps going up how do they change terms and conditions after a contract is sign
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian has my FICO score real low for all three credit companies my score through them is in the XXXX and XXXX and XXXX are saying my score is XXXX I called Experian today XXXX and the first lady told me I had to talk to the dispute office after I talked to them he transferred me back to member service I asked for a supervisor and she told me to shut up while she talking wouldn't allow me to explain what I was talking about she didn't want to her nothing I said I told her to cancel my membership because she was taking nasty to me and I did get mad and said something back to her cause she going to say to me they FICO by your FICO score they make decisions off different reasons like I don't know how the FICO score works I just need my scores to be where they supposed to be so I can handle everything I need to do this is very frustrating because it looks like I didn't fix my credit please I really need it fix thank you
Consumer complaint received 2020-02-06
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: SYNCHRONY FINANCIAL (NJ)

I have reached out to XXXX several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.
Consumer complaint received 2020-02-06
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. (NJ)

I recently won a court order to have this account with XXXX fed bank to have all information removed from my credit file in regards to this account. I have made several attempts to have this situation handle without involving consumer financial protection bureau. I have attached a copy of the final judgement dated XX/XX/2020.
Consumer complaint received 2022-09-08
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: PNC Bank N.A. (NC)

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.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (PA)

I request XXXX XXXX  report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. XXXX XXXX is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. Navy federal Credit Union has reported XXXX of my banking transactions, XXXX XXXX  has reported XXXX of my banking transactions, XXXX XXXX is reporting 8 of my banking transactions and XXXX XXXX service is reporting XXXX of my banking transactions all together, along with two other banks that I have not currently list. I have provided documents of each transaction.
Consumer complaint received 2020-08-03
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. (OH)

This complaint is for all three credit bureaus, not removing information from my credit file and XXXX requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-
Consumer complaint received 2018-09-05
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. (TX)

XXXX XXXX and XXXX XXXX continues to send negative information to credit bureaus regarding my accounts. I have been sued by my own family, have had my XX/XX/2018 tax refund wrongly taken by the US Department of Education ( {$2000.00} ) which I included in a separate CFPB complaint, and have been facing eviction in my current place of residence. I have also had a lack of food due to lack of money. 

Because the US Department of Education failed to return my {$2000.00} tax refund or give me a reason as to why it was not returned to me, my car was repossessed. Now, looking at my credit report, I can not qualify to buy a new car because my credit has been negatively reported by XXXX XXXX, who is contracted by the US Department of Education. 

I would like them to take the false, negative information off my credit report. Mutliple contracted agencies are taking advantage of my terrible financial situation and I want it to stop. I want XXXX XXXX, along with ALL US Department of Education contractors to discontinue negative reporting on my credit. You are beating a dead horse. I have been faced with multiple evictions ( one because of the US Department of Education ) and have had my car repossessed because again, my refund was not returned to me. And now, as I try to fix the problem the US Department of Education and their contractors created ; they have sent numerous negative comments about my credit. 

The US Department of Education and their contractors need to work with me, not against me. I need to be able to buy a car and live my life. I have NO other negative marks on my credit, except for what the US Department of Education and their contractors have submitted. I am asking you to stop, it Is ruining my life.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Auto Acceptance, LLC (TX)

I signed a agreement with XXXX XXXX to fix my credit and experian. They would send me credit applications for credit cards I did not get qualified. 
I had several other things that were not fixed on my credit either The report was false and I lost out on several ways to fix my credit due to the hard credit checks
Consumer complaint received 2023-08-15
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. (TX)

In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 2023-08-15
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. (MO)

Ever since I got an email last year from XXXX saying some of my information was found on the dark web. Random things have popped up on my credit report. Im at work and just got 7 back to back emails about inquiries. I called one of the companies first and the rep said she would have no way of know if someone applied online or in person. I then called XXXX and the guy told me to call companys that received the inquiries. This is ridiculous and unacceptable. Ive worked too hard restoring my credit to allow stuff like this to happen
Consumer complaint received 2020-02-06
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)

XXXX XXXX XXXX is selling unverified debt to XXXX, XXXX, there is no contract in place for either one of these companies and they are reporting this unverified debt as being accurate.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I noticed there are late payments listed for a collection account that I did not sign a payment agreement for. This collection agency claiming a history of late payments is a false representation to my relationship with them. Im constantly getting denied for homes, cars, and other things that are needed to take care of me and my son and its becoming a big inconvenience.