davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Ive bought a use car at XXXX auto at that time I was really needing a car for work they did sell for tax Id holders the interest was so high 23 % I financed for 6 years I already paid 3 always on time I call to refinance they dont do it because theyre only a loan company not a bank. Even for that i think they should come up with a solution for good payers but never did. Im trying to get better rates. Otherwise Im surrendering the car. The interest is so abusive. The car is a XXXX XXXX and I pay monthly {$550.00} dollars. For the type of car and the credit that I Have this car should cost me XXXX monthly.
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (FL)

The company called XXXX XXXX XXXX contacted me about nonexistent debt and wanted me to provide my social security number and other personal information. They told me that my debt was for a doctors appointment on XXXX/XXXX/XXXX. I called my doctor and they said I had no debt and nothing was ever sent to collections. The phone number for XXXX XXXX XXXXC is XXXX.
Consumer complaint received 2021-02-09
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. (NC)

I check my credit today and I discovered my transunion and my XXXX  had drop my trans  severely so I look to see what the problem was 1 there's a charge that has been on my credit since 2017 and it's listed several times on my credit 2nd they stated my credit drop because of my credit card use and said it was under XXXX left on it, this confused me because my credit card just sent a text message to my phone of available credit over XXXX, and my payments made on time in a pandemic not working I make my payments on time and my score was drop over 65 points on XXXX  and transunion 31 points this has been a constant problem then I'm offered these extremely high interest rates in anything I purchase, I make my payments on time my copay for medical is XXXX iv filed multiple complaints this has made me ineligible for decent credit for over 3 years I can not but a home because my credit score constantly drops because I'm paying my credit on time, this has become XXXX  and there is nothing that is done, I believe it is racial recrimination in credit reporting companies and minorities are left to higher interest rate no homes and a credit system that is allowed to continue, I check this with XXXX  XXXX  to day and I'm just XXXX  and angered
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions (AL)

In  XXXX   XXXX , I moved into apartment  XXXX  of   XXXX   XXXX   which is managed by  XXXX   XXXX   XXXX . Shortly after moving in, I experienced electrical problems that caused the stove, heat, and electrical plugs not to work at times. These issues were not completed until  XXXX   XXXX  when  XXXX   XXXX  refused to come out again unless  XXXX   XXXX  installed the proper conductor so that the apartment could get the appropriate wattage. Then in the  XXXX   XXXX , there were days of heavy rain which began to seep into my guest bedroom. This caused mold and destroyed my dresser and clothes that were in the dresser. After three months, the issue still was not rectified. For this reason, I was forced to terminate by lease early by two months. I filed a civil suit against  XXXX   XXXX   XXXX  to waive the two months rent, court cost, lost wages, and the price of the   XXXX   for moving.  XXXX   XXXX   XXXX   XXXX   XXXX  a counter suit for the two month 's rent, court cost, and attorney 's fees. Ultimately, the judge dismissed both cases. There is no judgement stating that I owe  XXXX   XXXX   XXXX   XXXX  anything. Nevertheless, they turned my file over to a third party, Rent Recovery Solutions, and this third party has placed this fraudulent debt on my credit report. This is a direct violation of the Fair Credit Reporting Act, and this injustice is negatively impacting by ability to purchase a home. I am scheduled to close on my home on  XXXX   XXXX , but it may not happen because of this deceptive and fraudulent activity. I do not see how this is legal when I have a copy of the order proving that both cases were dismissed. Furthermore, I was a long time tenant of  XXXX   XXXX  dating back as far as  XXXX , and I always paid my rent on time. I have attached a copy of this order for your review ; therefore, this fraudulent entry needs to be removed from my credit profile immediately.
Consumer complaint received 2019-05-13
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: LEXISNEXIS (NJ)

Please note that this complaint is in reference to complaint number XXXX-XXXX  that was sent to LexisNexis on XX/XX/2019, requesting LexisNexis to contact XXXX credit Bureau to remove the bankruptcy records from it's files and delete it. 

LexisNexis is being held responsible for selling my private and public information and selling it to XXXX  Credit Bureau for profit without any consent or authorization from me. 

It has been over 30 days on this complaint, LexisNexis never made an attempt to reply or even made an attempt to contact this predatory credit bureau XXXX   what so ever.
Consumer complaint received 2017-05-26
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. (MO)

On XX/XX/XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
Consumer complaint received 2016-07-18
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Thaxton Investment Corporation (TN)

I received the attached advertisement in the mail. I did not solicit anyone for a loan. I called the number to stop receiving offers. The recording said they would need my 'Social Security Number '' in order to take my name permanently from their records. It is obvious that this is a scam to get people 's social security numbers. Additionally, the amount of interest equates to 92.52 % per year. I am pretty sure that is illegal. ( I have scratched out my info on the check so it can not be used )
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OK)

I tried to submit this complaint on this past Friday or Saturday night. But for some reason it doesnt't seem to have registered. 

Wells Fargo Home Mortgage, on their system had me registered as completely current with my mortgage as of the end of XX/XX/2019. This was accurate and correct. I called them and complained about some errant late pays ( 11 of them to be extant ) that they reported on my credit report. I also filed a complaint with the CFPB about Wells Fargo 's negligence. 

Then all of the sudden Wells Fargo sends me a letter on XX/XX/2019 saying that I am 31 days late on my mortgage, saying that I owe over {$3000.00} and also charging me late fees. 

Then Wells Fargo sends me another letter on XX/XX/2019 saying that I am now 32 days late on my mortgage, and stating that I owe over {$3000.00} and tacking on more late fees. 

First of all... .where did they get this from? It's totally made up. 
Second of all... this extreme level of incompetency and reckless abandon with which they are willing to operate also is a clear indication of their fault on my previous claim submitted. 

I have attached both letters and you can see they have arbitrarily reversed payments and 'unapplied ' payments thus creating some large fictitious 'overdue balance ', which they also conveniently have applied some retroactive Late Charges.. .for this make believe 'overdue balance ' that they have fabricated by simply manipulating numbers on a spreadsheet. 

Again, I pay MORE than the $ XXXX/mo mortgage amount EVERY month via my XXXX XXXX auto bill pay. Only because Wells Fargo 's negligence and predatory loan practices prevented me from closing on my house a few weeks ago that has me more closely looking at my mail. That is the only reason that I noticed these two letters that were sent ( they looked like the normal billing statement, and since I pay MORE than the required mortgage payment, every single month via auto bill pay.. .I would not have a need to look at the monthly statements ). So because I had an existing claim, it caused me to examine the mail that they sent, which hopefully will allow us to catch this inaccurate 30 plus day late claim before it shows up on my credit report. 

The last time we were not as lucky. And there faulty/negligent/incompetent practices damaged my credit rating and I was forced to suffer for their incompetence. This should not be allowed. Wells Fargo should not be allowed to get away with this. They should be stopped. No telling how many other people that they are impacting in a similar unfair and unjust manner.
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (OK)

Company Medical Data System l its 2 accounts for XXXX and XXXX date showing on my credit is XX/XX/XXXX. I both mailed an account validation letter and disputed this debt with the credit bureaus and the collection agency several times since XX/XX/XXXX. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX still has not responded to any of my letters. All I asked was that the credit bureaus show me how they verified this debt and what sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.
Consumer complaint received 2017-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

open date XXXX/XXXX/2013 it shows a 30-59 day late on my credit report the car was traded in a month before so the new dealership sent pay off check late have documents to prove the date
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My application to XXXX XXXX for a credit card was declined and the stated reason was " Bankruptcy on Credit Report '' and the report was stated to have come from Transunion. My credit report as supplied to me by Transunion does not show a bankruptcy therefore they will not let me dispute anything but XXXX XXXX are adamant that the report supplied to them " has bankruptcy related information ''.
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XXXX XXXX credit acceptance reported the account I had with them as dismissed under bankruptcy when I paid settlement to delete and its still showing on 3 bureau 's and Im requesting that the information be removed per our agreement I have disputed this several times and credit acceptance have reported inaccurate information now on my credit report Ive called and sent letters to the main office
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-09-11
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. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX How is Trans Union and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? 
Trans Union is reporting the date last active as XX/XX/2021, XXXX is reporting it as XX/XX/2021, and XXXX is reporting the date last active as XXXX date is it? It can't be all three? 

Why isn't Trans Union reporting any payment history? Why isn't XXXX reporting any payment history other than XXXX of 2021? How can I be on time with my payment in XXXX of 2021 with XXXX but charged off that same month with XXXX? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? When was the date of first delinquency with all 3 consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NJ)

XXXX XXXX XXXX and Wells Fargo both claim that I opened up bank accounts with them when I never did I have documents for Wells Fargo to prove I never opened accounts but the fraud expands across a number of accounts cause I lost my drivers license passport and these accounts have been getting Opened
Consumer complaint received 2020-06-24
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not my accounts never had them all these inquiries was not made by me please delete. I contacted companies and they said contact the credit bureau I didn't notice until now XXXX XXXX Miscellaneous Individual XX/XX/XXXX XXXX XXXX Miscellaneous Individual XX/XX/XXXX XXXX/XXXX   Banks Individual XX/XX/XXXX XXXX/XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX  XXXX XXXX  Individual XX/XX/XXXX XXXX XXXX  Automotive Individual XX/XX/XXXX XXXX XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX/XXXX  XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX  XXXX Finance / Personal Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank has 3 cards. I never had XXXX XXXX card XXXX  not mines XXXX   Finance / Personal Individual XX/XX/XXXX XXXX  XXXX XXXX   XXXX  Finance / Personal Individual XX/XX/XXXX XXXX XXXX  XXXX Automotive Individual XX/XX/XXXX XXXX   XXXX XXXX  Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX/XXXX  XXXX  Individual XX/XX/XXXX XXXX
Consumer complaint received 2017-05-26
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: Experian Information Solutions Inc. (NY)

Long ago-  (   XXXX   XXXX   ) - attempt at retrieving a credit report online ( Experian  )  was denied, required sending information by mail  XX/XX/XXXX  - letter sent back indicating that they could not locate credit information. upon reflection, it is clear that it 's because their system does not allow  1 le tter last names.    XX/XX/XXXX  - rental application stalled due to not being able to look up spouse 's credit report. Contacted experian to try to clear up the situation -- they tell me to send a document with the correct name. They tell me they will mark the request with a rush request to expedite the processing of the document.    XX/XX/XXXX  - Using the online system, uploaded copy of social security card showing the legal name.    XX/XX/XXXX   - ( c all to experian ) informed that the previous handler entered the wrong name due to not being able to enter a  1 lette r last name into the system. Explained to me that they can not fix the problem because the system does not allow  1  letter last names. However, even then they can not put in other names because it does not match the record from social security. They inform me that my best option is for legal representation to help with options or a legal name change, both which are ridiculous, because this should be treated as a bug with their system. Clearly the Social Security  Database  allows fo r 1 l etter last names, and they should still be at fault for not being able to provide me with the credit report.     Note, I was able to pull   XXXX   credit repor t (  but it did require me to contact the agency by mail, which is annoying )
Consumer complaint received 2018-06-07
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. (MO)

I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX.
Consumer complaint received 2018-06-11
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: CITIBANK, N.A. (GA)

I sent a payment to Citi Bank in error and would like that money refunded. As of XX/XX/XXXX I no longer have an active credit card with XXXX XXXX Citi Card Visa, that card was replaced with a a XXXX XXXX American Express in mid XX/XX/XXXX. XXXX XXXX entered an exclusive partnership with American Express and replaced the Citi XXXX XXXX Visa card with an American Express card. Unfortunately I did not properly remove Citibank credit cards from my XXXX XXXX XXXX bill pay and inadvertently sent Citi Cards a payment in the amount of {$110.00} on XX/XX/XXXX that was meant for the XXXX XXXX American Express Card. 

I received a letter from Citi Cards dated XX/XX/XXXX which was addressed to my husband XXXX XXXX, ( his name appeared first on our check that Citi Bank received from XXXX XXXX XXXX ) acknowledging receipt of the payment and their inability to identify an account. ( I no longer have a Citi Bank credit card ). However Citi Bank deposited the payment. I contacted Citi Cards and spoke with three different representatives on XX/XX/XXXX in an attempt to resolve this matter. I do not recall the first rep 's name, XXXX was the second rep and the last woman I spoke with would not give me her name but said she was a manager for the department and was unable to help me because I do not have an account with them, she suggested I call American Express or go to a Citi Bank branch office. None of the representatives that I spoke with from Citi Cards could explain why the payment was processed when there was no account found in their system to coincide with the payment. I contacted my bank, XXXX XXXX XXXX and their representative explained they were unable to stop the payment because the check had already been cashed/deposited by Citi Bank.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NC)

I cancelled my account due to relocation and just received a bill from collection agency that I owed XXXX XXXX {$290.00} when I have not been using their services for 6 months.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (MA)

AMex conducted a review on my account. While doing so I paid off my balances, and they told me that after checking my paperwork my accounts will be unsuspended and reopened. 

I called them and now they said that it never happened, but it did. It looked like they collected my money and backtrack on what was said. Please have them reopen my American Express accounts all I want is to use my credit cards again. I have the money and paid off everything in full and on time.