davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm following up on my previous letter about inaccurate credit reporting. I demand an immediate, thorough investigation and correction, as the banks confirmed a glitch and fixed it ; any further delay will not be tolerated, and legal action will follow. Ensure my credit report reflects accurate information promptly, as it is crucial for my financial well-being. I expect swift resolution within the legal timeframe.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ). 

Ive been a customer at XXXX finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in XXXX of this year it expired. Usually its supposed to last for the whole lease term. So XXXX gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at XXXX and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from XXXX and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CT)

XXXX is stating that i am ( 60 ) days late, but the payments were made on time for the wrong amount due to miscommunication. It was off by ( {$100.00} ). 

Ive been a customer at XXXX finacial for 5+ years. I always enroll in automatic with drawl for the whole term of the lease, for some reason in May of this year it expired. Usually its supposed to last for the whole lease term. So XXXX gave me a call to tell me that it had expired and i had to set it up online all over again. Due to the fact that i dont receive statements I enrolled in paperless mail for the past 5+ years, the payment automatically with drawls every month. When i set it up online, I put the amount of ( {$1300.00} ) I recall speaking to someone at XXXX and they gave me that amount. I dont receive statements, so i dont know how they would think i came up with that number on my own.The ( {$1300.00} ) is the amount before taxes. The correct payment thats been coming out of my account for the past 5 years is ( {$1400.00} ). I've been a loyal costumer and I have leased 3 vehicles from XXXX and my payments are always on time, and i always pay the correct amount. The payments were made ( XXXX, and XXXX ) their system kicked out the XXXX payment because it was ( {$100.00} ) off. If someone were to have given me a phone call to tell me that my payments were off, I would have gladly fixed them. I dont feel that this should be on my credit reort due to an error of {$100.00}. This has gotten me very upset, disappointed, and frustrated I really need someone to help me witht this situation, because I have been such a great costumer with them over the years.
Consumer complaint received 2018-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

When I got to the Experian website, they request a mothly payment of a {$1.00} to generate a credit score and are reporting no credit score to credit inquiries.
Consumer complaint received 2022-12-02
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. (CA)

In a letter dated XX/XX/XXXX, XXXX XXXX XXXX, a collection agency based in XXXX XXXX  XXXX, on behalf of XXXX XXXX XXXX XXXX  XXXX, claimed that as of XX/XX/XXXX, someone with a similar spelling of my name owed {$330.00}. Because I had no familiarity with XXXX XXXX XXXX XXXX  XXXX or knowledge of outstanding medical debt, I disputed the debt through the collection agency. I received a response on XX/XX/XXXX and shortly after, was provided via USPS, a collection agency report. The report, again, names a person with a different spelling of my first name, my last name, unknown XXXX XXXX, XXXX  address, and a DOB that is not mine, along with general information about the provider and date of service ( XX/XX/XXXX ). I called the collection agency and spoke to XXXX different people regarding the incorrect information. They assured me that if none of the identifying information pertained to me, then I had no reason to worry about it, especially if it has not appeared on my credit report. Less than a week after my phone call to the collection agency, the collection appeared on my credit report. I'm trying to understand how a collection agency can lodge this false collection/debt on my report when 1 ) It is not my debt ; 2 ) they do not have the correct spelling of my name ; 3 ) they do not have my correct DOB ; 4 ) I have never lived or received medical treatment in XXXX XXXX and do not have record having received services from the named provider. I disputed the debt with the credit agency ( Experian ) and they said they would look into it. Today, the dispute was supposedly settled and it is in the collection agency 's favor ( i.e., the collection debt will not be removed ). I am submitting this complaint because I'm reiterating that this is not my debt and both parties ( collection agency and credit agency ) need to do their due diligence.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (CA)

On or about XX/XX/2019 I received a phone call from wells fargo, asking me the was unusual activity on my credit card. I immediately told the agent to cancel the card as all the transactions where made in XXXX XXXX, when i was in XXXX the whole time. Wells fargo has decline my claim stating that i responded to a text and verified this transactions. My XXXX Was missing with my credit card in the XXXX case. I never locked the XXXX because my kids used it. Well imessage was link to the XXXX and tex messages send to my phone number will also go to the XXXX  and could be respond from there as well. Just to be clear the XXXX had its own internet service that i paid for and all the app and services were fully accessible. 
This is over whelming Because this there is almost XXXX XXXX dollars charged to the account that i have to pay now. 
I wish they had a little better fraud detecting system.
Consumer complaint received 2019-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( XXXX XXXX WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.
Consumer complaint received 2019-10-16
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: Experian Information Solutions Inc. (IN)

I DO NOT UNDERSTAND THE REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS ( XXXX   XXXX  WITH A BALANCE OF XXXX AND 120 DAY LATE PAYMENTS ). IT IS REALLY AFFECTING THE OVERALL GOALS I WANT TO ACHIEVE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING THIS ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW THE REASON AS TO WHY THIS IS STILL REFLECTING.
Consumer complaint received 2019-10-16
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: Experian Information Solutions Inc. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX not mine INQUIRIES XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX   XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XX/XX/2018 unauthorized XXXX XXXX XXXX XX/XX/2018 unauthorized XXXX  XXXX NA XX/XX/2018 unauthorized COLLECTIONS XXXX   XXXX XXXX not mine XXXX XXXX not mine
Consumer complaint received 2023-07-04
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. (CA)

CFPB Fair Credit Reporting Dispute Concerning Deceptive Practices and Violation of the Privacy Act of 1974 On XX/XX/XXXX, XXXX XXXX XXXX claimed that I was pre-approved for a loan with their company. However, after being pre-approved, they ran my credit without providing me with full disclosure regarding collateral securitization. Subsequently, XXXXXXXX XXXX XXXX informed me that in order to qualify for the loan I was pre-approved for, I would have to use my personal vehicle as collateral. During the pre-approval process, I was never informed that my personal vehicle would be required as collateral for the loan. The XXXXXXXX XXXX XXXX affiliate or representative agent explicitly stated that the loan would be based solely on my job and income. This practice is considered unfair, deceptive, or abusive ( UDAAPs ) as it attempts to cause significant financial injury by damaging my credit reputation and eligibility. According to the Dodd-Frank Act, it is unlawful for any provider of consumer financial products or services, or a service provider, to engage in any unfair, deceptive, or abusive act or practice. Moreover, since I was not provided with full disclosure regarding the use of my personal vehicle as collateral, all prior agreements concerning access to my personal information are void. All my agreements were based on income and job worthiness, and at no time did I agree to use my vehicle as security for any debt. Due to their deceptive practice, I did not authorize XXXXXXXX XXXX XXXX to share my personal information with any third party based on false pretenses. XXXX XXXX  XXXX  has violated 15 U.S. Code 6802 and has failed to fulfill their obligations regarding disclosures of personal information. They have also not provided me with an OPT OUT notice before adding any positive or negative information to my consumer report. Furthermore, XXXX XXXX XXXX violated my privacy by obtaining a credit report without a permissible purpose. I should have been informed prior to the credit inquiry that my personal vehicle would be used as collateral for a secured loan. Additionally, in accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as XXXX, Equifax, and XXXX are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information. XXXX has reported this information in my credit profile, contributing to the damage of my creditworthiness and reputation.
Consumer complaint received 2019-06-14
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)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Back in XX/XX/2018I had issues with my bank and proving my identity. I went to Identity theft hotline and reported the problem how someone else had my social security number and was getting credit cards, car loans, and retail cards under my social security. Once I received the recovery plan one of the steps was getting my credit report. I went on Equifax and created an account to receive my credit report and I was asked about 5-7 security questions that were not in any way related to myself. I ended up getting locked out of Equifax and now I'm having trouble trying to get my credit report for the recovery plan.
Consumer complaint received 2016-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (OH)

XXXX charged me for a loan insurance in case I become unemployed in 2009. When I become unemployed and went to use the insurance, they denied my claim saying that it was n't that kind of insurance. After much discussion, they agreed to drop the charge making me owe nothing. Months later, I started receiving calls from Midland Credit Management. I disputed the debt and told them that I do not want any more calls. They stopped for a few years but recently started calling again, 3 or 4 times a day. When I answer, they hang up. I 've called them and last time I spoke with anyone, the lady said, " Yes, your file shows that you did dispute the charge and we found in your favor, you owe nothing. It also states that you do n't want to receive any more calls. '' I asked her why I am receiving these phone calls and she hung up on me. Since that day, I am still receiving calls 3 or 4 times a day and I just tried calling them to be hung up on again.
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo offers various rate discounts to their jumbo loan products by selling a deposit account from {$250000.00} - $ XXXX. 

Wells Fargo agents are trained by their direct managers to suggest moving the funds to the new account in order to get the discount, and then immediately transferring the funds back after closing ( manipulating the process ) and winning jumbo loan business. 

I would think this is a fair lending issue. I would love to transfer {$10000.00} to Wells Fargo in order to get XXXX of my {$300000.00} mortgage. 

Another example of Wells Fargo proving inconsistent service based on redlining
Consumer complaint received 2020-11-11
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. (KY)

I have attempted multiple disputes with Equifax to have 4 accounts on old student loans remove from my report. Per the Department of Education loan rehabilitation program, upon completion, the old loans were to be removed from my report and the new holder of my loans replaced it. I have sent the letter to Equifax on 3 separate occasions asking for the accounts to be removed and they have not complied. 
It is ILLEGAL for Equifax to continue to report these accounts! I have enclosed a copy of the letter from the Department of Education instructing that the previous loans be removed from my report. Equifax claims to have " verified '' the accuracy of these loans, but this is not possible as other bureaus have already removed the accounts and there is proof that they have been instructed to remove the accounts by the original creditor.
Consumer complaint received 2019-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I am filing a complaint against FedLoan Servicing and their administration of the Public Service Loan Forgiveness Program. I am a XXXX and I have student loans. I work for a not for profit employer and I have since XXXX. I qualify for Public Service Loan Forgiveness ( PSLF ) based on my employer and my job. I began making qualifying payments in XX/XX/XXXX. In XXXX XXXX   XXXX I realized that there had been an error made, as I had two separate dates for my loans to qualify for PSLF- XX/XX/XXXX and XX/XX/XXXX. I called FedLoan Servicing where they stated they would start an investigation into the issues. They could not give me a resolution date for the investigation. My loans were originally with XXXX, but had to be switched over to FedLoan servicing when I applied for PSLF initially, as FedLoan Servicing is the only loan administrator that does PSLF. FedLoan Servicing claims that I did not make a full payment in XX/XX/XXXX and again in XX/XX/XXXX. This is simply not true. My payments have been on auto draft since I began making them, so unless they auto-drafted an incorrect amount this isn't possible. I am working to reach XXXX to clarify this issue. I have been calling periodically since XXXX XXXX   XXXX and there is yet to be a resolution, and it is now XX/XX/XXXX, nor can they provide me with a date to expect a resolution. They will not allow me to speak with anyone in the investigative department. I spent an hour and twenty-one minutes on the phone with a representative name " XXXX '' ID number XXXX, and then her supervisor " XXXX '' ID XXXX. Neither of them were able to resolve the issue or give me a time frame. A simple investigation of auto-drafted payments, with no change in qualifying employers should not take more than a year to complete with no end in sight. I stated this to XXXX who told me that " We simply don't have the resources to answer your questions today. We are the only loan company who deals with PSLF. '' This is a horrendous waste of tax dollars and is disrespectful to the individuals who work hard to provide public services for the betterment of our country.
Consumer complaint received 2022-10-11
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. I contacted the furnishers and they approved to DELETE the accounts from my file. But then TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

XXXX XXXX  XXXX, XXXX XXXX
Consumer complaint received 2019-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (NY)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.