davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on XXXX. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing XXXX checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a XXXX that I gave up for XXXX  It is not ok that the people I work with find out this way.
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone called me from Bank of America and said did I have a credit card in my possession ending in a number I do not recognize or remember. I specifically said I was very clear on the fraud. I asked that 3 accounts that were closed due to fraud to dispute 4 months back from the closing date at a minimum. The representatives would keep talking over me and not let me explain or give important information to resolve this complaint. To this date the bank has not been respectful or courteous or done anything to indicate they are going to dispute the charges. When I let them know, I can take them to court they said go ahead instead of that is not necessary as we will get to the bottom of the fraud and figure things out and respond to the complaint. It's absurd how a bank can just do what they want, and you have to be a victim of their fraud. The bank is the fraud. I was specifically told I only really have one account ending in XXXX. However, the fraud occurred on 3 accounts not ending in XXXX. I understand but at the same time it's very confusing how the agents speak to you. I was very clear on the issues, but they still have not done anything after over a year 's time. It's gotten ridiculous.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed the following accounts repeatedly for the a few years now with no result. ( XXXX most recent date of dispute for inaccurate reporting ) US Dept. of ED ( past the 6year statue of limitations for reporting student loans ) I have 4 of these accounts reporting to Experian alone. Two of the schools I attended were closed due to fraud ( misleading students ) I have already submitted my Borrowers Defense paperwork for both schools ( XXXX XXXX and XXXX ). All four account status are ( Collections /Charge off ) and they are showing a balance due. Also I have a new account that is not reporting to Experian witch is negatively affecting my credit score. ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX.
Consumer complaint received 2021-05-02
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: AES/PHEAA (FL)

I have 21 federal student loans that are now consolidated. All 21 loans are listed twice on my credit reports with all 3 agencies. First time with the original servicer ( AES, PHEAA, or FedLoan Servicing ), second time with US DOE, and now as the consolidated loan with XXXX. This appears to lenders that I have more than 42 loans and that 42 were in default. My credit scores range from XXXX due to this inaccurate information. The loans have always been federal student loans and should not be listed multiple times on my credit reports regardless of whether I am in forbearance, default, paid in full, or paying as per contract status. Once a loan transfers from one servicer to the next, the previous servicer must contact the credit bureaus to remove erroneous data. I have attempted to dispute with all 3 credit reporting bureaus and with the student loan ombudsmen. nothing is being corrected. This has to stop immediately!
Consumer complaint received 2021-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (NY)

unlawful credit card claims made by American Express for passing business credit cards ending in XXXX and XXXX and engaging their law firm in collecting a false claim. I requested evidence of credit cards being personal credit cards and taken into my name with consumer credit card applications and consumer credit card agreements, none was produced since they do not exist. Instead piles of credit card statements were sent that proved American Express engaged in Unfair Debt Collection practices in violation of the Federal Fair Debt Collection Act and New York State Fair Debt Collection Practices law. The piles of statements show that the credit cards were XXXX XXXX, a business credit card for businesses with large cash flow an Simple Business Cash Card issued to XXXX XXXX XXXX XXXX, a XXXX corporation and XXXX XXXX XXXX. American Express own credit card statements are proof that the credit cards are business credit cards and not personal credit cards. Additionally a doctored letter with a XXXX date was sent as somehow it is a debt validation letter when debt validation can only be done by actual signed consumer credit card application application and consumer credit card agreement and not a disgraceful doctored letter with a XXXX date about card ending in XXXX referencing credit card agreement when card ending in XXXX was issued in XXXX, four years earlier. I have attached these proofs to show American Express unlawful conduct
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (AL)

on three separate occasions I tried to pay milestone the amount I owed. they took the money but then said its an invalid account number. they then proceeded to charge me interest fees and late fees even though they failed to take the payment. when I had the money to pay they didn't take it and now they expect me to pay almost XXXX dollars after I tried to pay them on the correct date. I've called them multiple times about this issue and one time they even accepted it, XXXX out my account and closed my account. after checking back however I see that they reversed that action and are expecting me to pay in full what I tried to pay when I had the money.
Consumer complaint received 2019-08-21
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: TD BANK US HOLDING COMPANY (AZ)

I have a credit card with TD card services called the cash card. I've had it for some time. Recently, I received a notice in the mail saying my payment was past due. My card has previously been on Autopay for the entire life of the account, with no changes made by me. I called TD card services, and was told that in mid XX/XX/XXXX, they revamped their website, and that has caused my Autopay information to be lost, and that I am now late on my payment and was charged a late fee plus interest, in addition to dinging my credit. This is unacceptable. There was no notice (mail or email) from the company regarding this change in the website and the need to re-enter auto pay information. When I called them, they said they would give me a "one - time courtesy fee waiver" and credit me the fee plus interest. I need no resolution of this issue as I am OK with being credited the fee plus interest and was able to pay my bill over the phone. I am just extremely perturbed that this went on at all and that my credit has taken a hit because of the incompetence of and lack of communication from TDbank. I am not sure how many people were affected by this website change and how many people were wrongly charged late fees plus interest but I imagine this affected many customers. This type of behavior from the bank should not be tolerated.
Consumer complaint received 2019-08-21
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. (NV)

I have disputed the late payment status reported on the accounts  XXXX/XXXX XXXX****, XXXX  XXXX****, with Transunion and XXXX  for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

Equifax is reporting as of XX/XX/2022 I am in default and past due which is NOT accurate at all. My loans with my servicer are PERFECT. Equifax is the only credit bureau making this mistake and I need help ASAP. I have tried to reach someone at their office and I can't even get anyone on the phone. Please help
Consumer complaint received 2022-04-28
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. (CA)

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 Account # XXXX, has 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 an 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 2019-06-10
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. (NJ)

I am in disagreement with the items listed which still appear on my credit report as having late payments.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score..I would like these items be removed from my credit report XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX XXXX XXXX, has 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 an account without my written instructions.

-15 U.S.C 1666 B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please update and remove/delete this account immediately please! Thanks in advance.
Consumer complaint received 2021-04-29
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: EQUIFAX, INC. (LA)

I submitted a dispute with EQUIFAX over XXXX day ago concerning a fraudulent account on my credit report from XXXX XXXX XXXX XXXX XXXX. The original creditor XXXX XXXX XXXX XXXXXXXX XXXX, SUBMITTED THIS COLLECTION TO THEM. I called both parties about this and neither of them found record of me. I submitted my Identity theft report and police report to EQUIFAX and have been waiting for a response. I called the XXXX XXXX XXXX XXXX today to see if any information came in about me, they said nothing has been sent over from the credit agency.XXXX XXXX said it had to be and error from EQUIFAX to put this on my credit report. I am unable to rent an apartment because of this. They are dragging their feet about this matter and its costing me my lively hood. They have the wrong address on file even though I have updated it XXXX times, so I am unable to call and pass the identity questions to speak with a live representative. I am living with friend because this rental debt on my credit report has me stuck on someones couch, because I keep getting denied for rentals. PLEASE HELP ME CONCERNING THIS ISSUE. 
amount owed- {$6800.00} date assigned to collection-XX/XX/2020 actions taken by me-files police report and identity theft report
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I entered into a scam agreement to purchase items from a XXXX account by the name of XXXX XXXX on XX/XX/2022. The account holder asked for an upfront delivery fee to drive the items to me. They asked for {$110.00} to be sent over Zelle to set up delivery for XXXX. The delivery never showed up and the account did not respond to multiple subsequent calls and messages on their XXXX account. The Zelle email address the payment was made to was XXXX and the name given for the bank account was XXXX XXXX.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion XXXX XXXX  has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my XXXX XXXX : XXXX XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

In the 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  account number # XXXX has violated my rights. 
15 USC 1681, Section 602A. States I have the right to privacy. 15 USC 1681, Section 604A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC, 1681 C. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2021-10-25
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: DriveTime (SC)

Representative kept saying Drive Time didnt pull your credit file. It didnt come out of nowhere.The company was very rude as I stated to them a inquiry appeared on my credit file from XXXX that negatively impacted my score as well my file with a hard inquiry. Stated they wasnt removing anything and it was nobody else to talk to. Representative kept trying to be smart mouth and argue with a consumer. The inquiry occurred XX/XX/2021 and they pulled my credit file for hard inquiry.
Consumer complaint received 2018-03-02
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: Experian Information Solutions Inc. (MD)

I've sent certified letters stating that multiple inquiries weren't mine and was a victim of identity theft. Experian actually sent me mail stating that they would NOT remove the inquiries and started automatically returning my certified letters. 

I've enclosed a copy of the Identity Theft Report that I filed with my local Police Department and the Federal Trade Commission as well. It has been completely ignored. 

Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : Credit Acceptance Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Center Date : XXXX XX/XX/XXXX Creditor Name : XXXX   XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Na Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX Co Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Creditor Name : XXXX XXXX  XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX XX/XX/XXXX Creditor Name : XXXX XXXX Date : XXXX XX/XX/XXXX Creditor Name : XXXX Date : XXXX XX/XX/XXXX 2016
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My ex-husband XXXX XXXX  on XX/XX/XXXX. At the time of his XXXX he had a home equity line of credit open with XXXX XXXX. My name was on the account, even though at the time of our divorce in XXXX, XXXX, he had agreed to assume responsibility for the loan. When I discovered that he still had a large balance owing ( over {$10000.00} ) at the time of his death, and that my credit score was beginning to fall, I paid the loan off until the estate settled, in order to save my credit. 

I followed this action up with a letter to XXXX XXXX   requesting that my credit score be repaired, and stated that I was not legally responsible for the loan per our divorce paperwork. They refunded me the entirety of the loan, and promised IN WRITING that they would remove my name from any association with the HELOC. 

Not only has this not happened, they have now reported the debt as charge-off ( bad debt ) ... which is exactly the opposite of what happened. They ADMITTED THEIR MISTAKE AND REFUNDED ME THE MONEY ... but are calling the account a bad debt. And now, my credit has continued to plummet. 

I have made numerous phone calls both to XXXX XXXX   and to Experian to try to get this resolved and nothing has been done. Experian sent me a very detailed report that said basically nothing -- no information whatsoever on what their conversation with XXXX XXXX was. 
I greatly need help.
Consumer complaint received 2018-10-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (AZ)

This company ( WFDS ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$24000.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.