davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2018-08-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pluese, Becker & Saltzman, LLC (NJ)

On XX/XX/2018 a man appeared at my door saying he was serving papers for ( what initially sounded like ) XXXX. I said I had no account with them, and told me I needed to call the lawyer involved. Upon looking at the documents they related to my deceased grandmother. Knowing that by Federal law I am not responsible for this debt, and the fact it felt like a scam ( being served with papers without any prior effort by any party to contact me regardless ), I did not take action. On XX/XX/XXXX I and my spouse received additional correspondence from this lawyer stating that he was entering into judgment to have the debt paid. All documentation contains a laundry list of relatives for my late-grandmother, including the executor of her will ( which is not me ). Upon reviewing documentation sent by certified mail it seems that she took out a loan at some point prior to her passing. At no point was I aware of this loan, I never discussed it with her, nor did I co-sign on this loan. After talking with a representative of the CFPB on XX/XX/XXXX I wrote a letter to this lawyer indicating that I have no legal responsibility for this debt, nor do I have any intention of paying it. This letter was sent by certified registered mail on XX/XX/2018.
Consumer complaint received 2021-09-02
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. (PA)

I submitted disputes and an FTC report for the following fraudulent account : XXXX {$7300.00} This account is listed on Equifax and XXXX.
Consumer complaint received 2023-01-29
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. (MO)

My first savings credit card balance is being improperly reported on all 3 bureaus. My report shows a balance owed of {$470.00} but my actual Balance is {$4.00} see attached doc.
Consumer complaint received 2021-04-12
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (MO)

My complaint is against XXXX XXXX Loan Officer AAG | American Advisors Group NMLS ID : XXXX Phone : XXXX Ext : XXXX Fax : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX I submitted all documents that were required any derogatory items on my credit report I explained and got them removed. Went through all the necessary steps including counseling and obtaining an appraisal of my home. The company scheduled a closing date of XX/XX/XXXX through my diligence of asking questions of the loan officer I discovered that they put a provision where {$38000.00} would be taken out to pay taxes and insurance. They did not disclose this to me and after inquiring they had all the paperwork that they needed however they wanted the documents that I provided the depth of that release me from my obligations and removed the obligation from my credit report. I was released from my obligation due to medical issues that occurred in 2016 I worked diligently with the company which was a timeshare company and if I agreed to forfeit all right and money that I had already invested they would release me without any ramifications or collection efforts. Once I explained I did not provide them any documents then the underwriter stated they needed a letter from the hospital which I was treated back in 2016. I explained to the company due to the pandemic and short staff that will be close to impossible however I did forward my records that I was able to go online and retrieve and sent to them noting the dates that I was in the hospital in XXXX XXXX in a XXXX XXXX  they then stated only a letter would suffice. I feel I am being discriminated against mainly because the loan officer admitted he had a client with similar circumstances and they did not ask for any documentation asking that client to provide how he was able to get released from his obligations I feel Im being discriminated because of having to send in my drivers license they know my ethnicity.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-06-08
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Hi, I wanted to know how I can settle an issue with Cash Central. I just found out that I will be paying {$7000.00} more than what I originally owed them within the next year. To me that is ridiculous because i can not financially commit to something like that now. I have a credit score to fix and I have family to feed. I have made {$390.00} payments since XXXX till today ( XXXX ) with them and so far I am at {$2300.00} paid off to my debt and only have {$200.00} more. I really just can not afford the payment any longer than this last month. I am at a point of eviction to my home and tight on every budget i can think of. Cash Central has no intentions of helping me settle this debt and stop making me pay the interest on the loan. They threaten to take further action and get a settlement attorney and make me pay more. They are sharks and harass my family, my references and me almost everyday. I am over this, and all i want to do is pay my last {$200.00} and be done with them. {$7000.00} more into a debt of only {$2500.00} is outrageous. The lady I spoke with told me that I would pay a total of {$9000.00} to them once I 'm done paying off the debt!!!!!! {$2500.00} vs {$9000.00}? How the hell am I going to do this? I hope you can help. I really have nothing else to give and budge
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 CHASE AUTO Bank XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible. and please update my phone number to XXXX thank you.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

Applied for a modification, was told I have exceeded my modification limit. Second, was told when I applied that I was not delinquent with mortgage. I was on my second month behind. That is misleading, why in the beginning did they not tell me I was not a candidate. My yearly income is {$XXXX}. First time around they calculated into 4 weeks, now they want to divided daily amount. My monthly expenses are {$4700.00}. My wife has left me to care for XXXX kids with no help, they think it 's not a reason. I love my house and it 's not the best looking in the neighborhood. I 'm trying very, very hard to stay here and raise my kids. I need help and feel no where to turn.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion Credit Reporting agency is preventing me from viewing and challenging erroneous information on my personal credit report online. I do not want a paper copy, but to be able to do this electronically. They are clearly reporting negative information that is on my reort that was easily corrected with both XXXX and XXXX.
Consumer complaint received 2018-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

Money and dates on online banking didn't seem right. Looked like money missing. I'm going to have to go through it myself to check. Fraud department helped a lot in beginning then when low or out of funds the customer service level dropped and stopped properly filing claims. Filed a claim around XXXX XXXX that didn't show up a few days later. Disputed XXXXXXXX XXXX XXXX and another. I need to obtain a printout of all months. Was receiving a balance alert of {$0.00} for a month and called to file a claim and was told account was closed even though it was at XXXX for a long time still receiving emails. I filed the claim for around {$400.00}. I received 4 letters in the mail XX/XX/18 one stating I would be awarded XXXX then one saying I passed a time limit to file a claim and denied all {$400.00}. I spoke with the fraud department and they refused to send in writing this time limit. I don't believe them and having a time limit makes no sense. I explained I paid the wrong company so they were fraudulent charges but still didn't change their mind. Refused to give employee ID numbers.
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

Dear Sir ( s ), I had a car through wells fargo and was paying the loan. I got unemployed. They repossed my car after 3 months. I went to XXXX XXXX to get it from the auction. I was back in there grace. I got in a car accident and had medical bills. This time they ask is the car repaired the auto insurance ( full coverage XXXX ) repaired it good as new. Then they said sorry have to talk to the repo department no answer. Reposed the car after fully fix. XXXX stuck me with a bill of XXXX. Without consultation. Filed complaint with credit bureaus they just put customer disagrees. But car had less than a XXXX left on pay off? So they just took the creditors word didnt investigate. Did't check worth of car after full repair etc. And stuck me with a bill. As usual just side with who they work for credit companies instead of at least compiling proof of damages or allowing me to see such. So thay turned a great profit resold the car got someone else a new payoff on a fully fix up car and charge me.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

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 2018-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WI)

On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX an order was entered by the court that all debts included in this payment plan are satisfied in full. This company has two accounts opened. One in my name and one in my husbands name. Additionally, the account in my name is also serviced by XXXX XXXX Firm in XXXX, Wi and they show it as a outstanding judgement on my court record. I have spoken with Midland as the balances owed are very low so I was just going to pay the extra over what I was ordered to pay. Midland refuses to take money directly from me because of the trustee who was placed on the account for the 128 plan. Since the plan is satisfied the trustee is no longer in this equation. Both debts to this agency/attorney have been satisfied in full but they are not being reported in such a manner.
Consumer complaint received 2016-10-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

I had a car loan with XXXX XXXX XXXX and authorized them to debit my my Wells Fargo checking account one a month to pay my premiums. My checking account debited each month with no problems. On XXXX/XXXX/2012 my car was repossessed by XXXX. I reported my vehicle as stolen.The police found out it was repossessed. I called the bank and was told they have not submitted my payments because a letter was sent to me stating that I need to report to the bank to let them know who is authorized to debit my account. I explained I never received such a letter. They said they were putting my payments into a holding account until I reported to the bank as the letter instructed me to do. I explained I never received the letter and could they send me a copy.. They said no. I reported the matter to a bank representative and me some call on my behalf but was unable to get anyone wllling to send me a copy of the letter. 
I made several more attempts to get a copy of this letter and was finally told recently their never existed such a letter. I was deliberately misinformed by Well Fargo Bank.My vehicle was repossessed because XXXX did not receive 2 payments prior to the repossession date XXXX/XXXX/2012. I did not receive any notifications from either XXXX or Wells Fargo bank my account was in jeopardy. My credit was destroyed because of this.
Consumer complaint received 2022-02-04
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. (CA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2020-07-31
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. (AL)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2023-02-03
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: Colony Brands, Inc. (NJ)

they went in my car and stole my purse and whoever find it is been trying to open couples account under my name, I have call this place to explain to them what happen and to give them the police report number of my stolen purse and they told me they was gon na work on removing that hard inquiry off my credit and is been more than 8 months and they don't removed knowing I was going thru identity theft. XXXX XXXX. this been going on since XX/XX/2022 i need them to remove this hard inquiry from my credit report because i call them about this, and i explain everything to them, I shouldn't have this on my credit when i reported identity theft
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NY)

When attempting to respond to Wells Fargo Mortgage 's invitation to apply for a XXXX loan refinance and contacting their phone representatives, we are steered immediately to a routine mortgage refinancing - " desktop underwriting ". The representatives express ignorance of the XXXX program ( XXXX ) and stated that there are " different types of XXXX plans. '' We just completed a XXXX refinancing with our XXXX Bank mortgage which was streamlined and had a very minimal fee charge. so we know of which we speak! 
It appears to us that the Wells Fargo Mortgage personnel are instructed to evade and avoid the government 's actual low cost XXXX program by only offering a conventional refinancing, including much more complex qualifying restrictions, while hiding behind the " XXXX '' name. 
To us, this fits the definition of a " scam, '' amd merits further investigation.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

XXXX XXXX is charging me for {$5900.00} for a XXXX phone i never had. Someone stole my personal info and use it in XXXX Tx. Ive never been to Texas, dont know anyone from there and NEVER had a XXXX phone in my life. I summitted to them my proof of residence in the state of Florida for the past 31yrs of my life but the charge is still showing on my credit report. I need that removed as soon as possible.
Consumer complaint received 2023-03-24
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: CITIZENS FINANCIAL GROUP, INC. (NY)

I have been trying to get this Late off my credit report for months. I have sent in XXXX disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. 
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. I did not opt in at any time for the bureaus to report my student education records.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.