davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-17
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. (TN)

I am writing this due to non-compliance with the (XXXX, Experian ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-08-17
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. (TN)

I am writing this due to non-compliance with the (XXXX, XXXX ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-12-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

on XXXX XXXX XXXX I requested federal disaster relief from Wells Fargo the loan services on my XXXX XXXX Harp refinance. Wells fargo told me XXXX XXXX loans do not qualify and said they would investigate and see if there investors would allow this. They still have not answered 100+ days later. nor have they answered my two previous CFPB complaints other than to ask for more time. They then refused to post the payments i was making. They are lower than pond scum and belong in prison. both XXXX XXXX executive resolution specialist and XXXX XXXX Sr. VP refuse to return my calls. I hearby request that you fine them and ban them from servicing loans. There refusal to comply with the federal disaster declaration has cause undue financial stress, and resulted in a number of over draft charge from my banks when i was trying to comply. There actions mean I ca n't afford a XXXX  tree nor any presents for my family. 

Please inform them that there actions are not only illegal but immoral and ban them from the HARP program and servicing any federally back home mortgages including VA, HUD etc. 

They also have refused to supply me with the information i requested 30+ days ago under the dodd-frank wall street reform and consumer protection act pursuant to 12 u.s.c sections 2605 ( e ) ( 1 ) ( a ) and reg x section 3500.21 ( e ) ( 1 )
Consumer complaint received 2022-11-16
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. (NJ)

these settled charge off accounts are still reporting inaccurate on my XXXX & XXXX & equifax.. these XXXX XXXX  XXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # XXXX
Consumer complaint received 2021-10-16
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. (NY)

I have reached out several times to try and get this matter resolved. There is an account from XXXX XXXX and an account from XXXX XXXX reporting FALSE information on my credit reports. I am requesting that the information be VERIFIED as accurate, or DELETED completely from my credit profile.
Consumer complaint received 2021-05-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit, Inc (VA)

On XX/XX/2021 I received a letter for Audi financial with a payoff for my leased vehicle. Their online system states that I own nothing at the turn in date for XXXX XXXX. However the account summary states that I own {$25000.00} due XX/XX/2021. Then I call Audi on XX/XX/XXXX to make sure that I have everything in order and they create another amount for {$25000.00} cents. Ive argued that the statement sent to me recently states to pay {$25000.00} by XXXX, 2021. They are not willing to honor the letter sent to me this week for the quoted amount, They want me to pay the higher amount.
Consumer complaint received 2019-08-17
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: WELLS FARGO & COMPANY (AZ)

My credit report shows I am an authorized user with my ex girlfriend on a Wells Fargo credit card account . We have not been together in over 4 years  and have no recollection of signing anything for Financial  responsibility  in regards to a  XXXX debt that’s now classified as a charge off. I wish to have this removed as soon as possible thank you
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

The account with XXXX had a remaining balance of {$810.00}. I paid this balance XXXX ( in full ). The company is still reporting this account monthly as a charge off and also has not updated the balance on the account to reflect {$0.00}. I have disputed this several times with Experian and with the company. I have also provided a copy of the receipt to show proof of payment. I keep getting results that the account remains.
Consumer complaint received 2021-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX, I made a lump sum payment from my XXXX award to Sallie Mae ( now XXXX ). Sallie Mae did not, as required by law, give me credit for 12 lump sum student loan payments. This caused me to default on my loan.
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PORTFOLIO RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2021-05-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I had a XXXX XXXX XXXX that was opened in XXXX that I had closed out, at the time. The account went into collection and the collection agency offer me a settlement but i declined the settlement and paid the account in full. The full balance was {$350.00}. XXXX. I was told by the collection agency they will remove the account once it's been paid in full, I have sent out several letters and the closed account is still on my credit report, only thing they sent me was just a letter stating that the account was paid in full that was it. I sent out three letters XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

Unfair decision or discrimination based on my personal credit history?. They closed my American express account XXXX for no reason and I reported to them that the last transaction was not my authorized purchase because of my credit card got stolen but they are insisting me to pay them with accumulating interest for months that im trying to disputing the charges. In addition, if my account was XXXX it should be cleared by now because its over 7 years or more they should remove it from my record thats the rules. I suffered enough for those years that i did not authorized the charges. My credit score is weak because of them and it should be cleared by now. I also recently applied for credit card through American express but they denied me twice. On XX/XX/XXXXXX/XX/XXXX AMERICAN EXPRESS CARD Declined. On XX/XX/XXXX DELTA SKYMILES OPTIONS CREDIT CARD FROM AMERICAN EXPRESS Declined.
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (NY)

ALDOUS thats a company constantly calling they said I have to pay the amount of XXXX dollars because I owned to a gym which I dont remember the name but when I ask them about my information to confirm its me they deny to answer my questions I dont know why they call me I havent been involved in a gym for years besides that they report to credit institution and is affecting in my credit I would like to solve this problem as soon is posible thank you
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. 
IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (AZ)

I just applied for a Mortgage and became aware that a negative credit report with XXXX and XXXX has not been withdrawn by Monterrey Collection Agency despite being contacted several time by myself and my attorney XXXX XXXX XXXX in XXXX. I attended a meeting in XXXX XXXX XXXX in XXXX for promoting a week Timeshare with the XXXX XXXX and signed a commitment to purchase with the understanding that we will try the timeshare for few days before a final commitment. We used the three days offered by the Company XXXX XXXX and found the place NOT satisfactory, the beach was invaded by vendors and the Hotel facilities were far from expected. We let the Company know of our disappointment and advise them that we will not be part of the timeshare program. We the received in XXXX several calls from Monterrey Collection requesting payment of {$15000.00} with interest accrued the total requested was {$24000.00}. My attorney advised that the document was signed in XXXX and could not be enforced in the USA unless ordered by an Arizona Court, that as a case of legal matter this agreement would be controlled by the Arizona Revised Statute 12-544 since it was signed outside USA and outside Arizona and the limitation period is 4 years. See attachment. We never used the facility or the timeshare beyong the three days offered in XXXX and was not aware that a negative report was filed on Credit Bureau until we applied for a Mortgage in XXXX
Consumer complaint received 2019-08-17
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. (TN)

I am writing this due to non-compliance with the (Equifax, XXXX  ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dates, XX/XX/16 to XX/XX/16. Bank employees XXXX XXXX XXXX XXXX Ms. XXXX. XXXX XXXX. The following attachment shows 1 month. Although missing funds recoured each month except the last. IE start with balance at XXXX plus remaining XXXX from previous first Page subtractions should read, XXXX second XXXX third page XXXX fourth XXXX total would be XXXX leaving XXXX missing, stolen. I contacted me XXXX she advised to close the account and we would make another report to the company the next day. Next morning I sat at a desk completely inorged. This continues for 2 more days. I contacted the police, they said it is a bank problem. If you need additional receipts please contact me, or if attachment is not clear enough.
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc. (MS)

On XX/XX/XXXX I paid my vehicle loan in full to Nicholas Financial, for some time this account has had multiple reporting errors. Upon dispute of these errors in JXX/XX/XXXX, the XXXX XXXX obviously provided validation, and XXXX   and or Nicholas Financial updated the account in addition in the results provided to me to state that the account status is 30 days past due. THIS is not correct, there is no balance on this paid account, and the current status of this account should obviously be reporting as PAID not 30 days past due. This is inadvertently dramatically affecting my reports and scores to appear as though I have a recent 30 day late payment. I have reached out to Nicholas Financial who claims that XXXX is the culprit in the matter, and to XXXX  that claims that Nicolas Financial is the culprit.Additionally: They say in the prior complaint that they could not locate this paid and closed account, upon calling they were easily able to locate the account and discuss this with the credit reporting department in their organization who still has not corrected this erroneous entry into my XXXX report and does not seem to have a clear understanding/comprehension that marking a paid account 30 days past due as the current status is not just inaccurate but false, the Status of this account is paid/current further this account has not been marked as disputed by me as inaccurate and is directly and negatively affecting me. This is a 3 year old problem!!! Once again this account reporting is in violation of the FCRA section 609. for further reference the account number on the file is reporting as #XXXX, My maiden name if it helps them locate it in their records is XXXX. I ask that this account IS REMOVED in its entirety otherwise I will take all further necessary action due to me by law.
Consumer complaint received 2017-12-22
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. (TX)

XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Consumer complaint received 2018-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (VA)

I have a Chase Slate credit card. 

I was informed that as of XX/XX/18, my interest rate would increase from 11.49 to  16.74 %. Chase informed me that my purchases prior to that date were protected at the lower rate and that subsequent purchases would be at the higher rate. 

I understand that the CARD act requires payments to be applied to the minimum payment due, then excess funds to be applied to the HIGHEST interest rate balances first, then lower interest rates. In short, I have made purchases of approximately {$1700.00} and payments of {$3200.00} since XX/XX/18, however Chase continues to INCREASE my balance subject to the higher interest rate. They claim it is now over {$1300.00} as of the current statement. 

In late XXXX, I spoke with a manager that agreed that this was an issue with their system and my interest was refunded. He agreed that my balance subject to the higher interest rate should have been about {$800.00}. My minimum payment due was {$240.00}. I then made a {$1200.00} payment and received my next statement ( XX/XX/XXXX ) showing that my new balance at the higher interest rate was now over {$1300.00}. Clearly the application of funds is not occurring per the CARD act, or I've misunderstood the rules. 

On XX/XX/XXXX I spoke with another manager that refused to address any of these mathematical inconsistencies. He further stated that " your payments are to be split between your various interest rates, not just going to the higher rates first ''. This would directly contradict the CARD act and the agreement from the manager the month before ... and everything I've read. He was also unable to explain to me how each of the payments since XX/XX/XXXX were applied, he just kept repeating that " all payments have been applied properly ''. 

My intent was to pay off any new purchases, plus the minimum payment, plus several hundred dollars more each month - and my payments have reflected that AND MORE. However Chase continues to inexplicably grow my 16.74 % balance without explanation or recourse.
Consumer complaint received 2018-07-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (NE)

As of XX/XX/2018, I opened one of my mail from Citibank dated XX/XX/XXXX. The letter states that they sent me a check on XX/XX/XXXX for {$140.00}, and if it isnt cashed by XXXX XX/XX/2018, they will stop the payment and I will no longer able to cash the check. I have two problems on this. First, I have not received any check. Second, I live in XXXX, Nebraska where the closest Citibank is 2 hours and 48 minutes. I'm a military guy and I did not choose to live here. So I called Citbank Customer Service XXXX. I asked if they could directly transfer the money to my checking account which is also under Citibank, and they said " no ''. I asked if they could make it a cashier check so I can cash it anywhere and they said " no ''. I requested if they could send it to my mom 's house in 48 hours, who lives next to a Citibank because I will be there for a week, but they said it will take 14 days for the check to come. I guess that was a " no '' too. I'll be back home in Nebraska on XX/XX/XXXX, and then they said " Okay call us when you get back and we will send the check ''. It will arive on XXXX XX/XX/2018 and I have less than 10 days to cash it out. I even asked if they can waive the expiration and extend it but they said " no ''. I asked for another representative but unfortunately he didn't provide me one. Why cant they just directly deposit it to my account? They owe the money to me, and why do I need to do extra steps or drive long hours just to acquire this cash? They are willing to charge me late fees if I am late on my payment. Why can't I charge these guys extra inconvenience fees? Nevertheless, I'm happy they are trying to give my money back, but I wish they make it easy for us to take it. Thanks for the help.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

City Bank - Costco Visa card XXXX City Bank - Homedepot {$4900.00} XXXX XXXX XXXX {$8700.00} I registered for Covid assistant to skip a payment. I am one of the employee who got furloughed due to COVID-19 back in XXXX from XXXX XXXX XXXX XXXX. 
I Am taking money out from my XXXX so I can pay off this 3 agencies. I requested a extension because it takes 30 to 45 days to get the founds and it got denied. By my surprise is that they have been charging me late fee and reporting late payment every month to the tree credits bureau on all this months and that have brought my accounts to the limit where they have treated me to close my accounts. 
Bad credit is giving me a super hard time to get a place to live that I can afford my self and my XXXX sons. I am really struggling at the moment trying to get a solution and thats why I am doing this complaint and I beg you to please help me.
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On theXX/XX/XXXX company called portfolio recovery associate has reported an amount of {$1600.00} to a all 3 bureau I contacted them that it s not my account I have never ever open that account it s a fraudulent account someone open it under my name but they did not resolve the problem