davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (FL)

I contacted experian. Concerning XXXX XXXX and my credit report. I informed them of the fraudulent foreclosure or guess my property that usbank file I against me. Without any legal standings. I sent them to pull report along with support and documents. Informing them of the incidents and hardship that would brought upon me and my family. I asked for a credit update in writing to remove us bank from my report yet I were refuse. I first contacted experian XXXX XXXX 2017 about this situation and to date I have n't had anything in writing. Thank you
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

THESE HARD INQUIRIES LISTED HAVE BEEN FRAUDULENTLY PLACED ON MY CREDIT REPORTS. I WAS A VICTIM OF IDENTITY THEFT AND NEED THESE REMOVED FROM ALL 3 CREDIT BUREAUS ASAP. 

XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-30
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. (NC)

I finance a car through XXXX XXXX XXXX since 2016 ). A few months ago, it came to my attention that they had reported several late payments to the Credit Reporting Agencies, which I believe are in error. I have contacted XXXX XXXX, as well as the CRAs several times to no avail. This erroneous reporting has had a severe negative impact on me, as I have been recently denied credit, including a mortgage. I have proof of payments that were made for the months in question, as well as extension agreements where XXXX XXXX agreed to allow me to skip monthly payments. XXXX XXXX and the CRAs are violating the Fair Credit Reporting Act that states only true and accurate information can be reported, or else MUST be removed. At the very least, there is proof that XXXX XXXX has not reported my payments accurately. They have reported me as 30, 60, even 90 days past due inaccurately! I have made several requests to them to fix their error, even attempting to email the CEO personally. I'd like the inaccuracies removed immediately. The inaccurate information violates both the FCRA and the extension agreement granted to me.
Consumer complaint received 2021-01-26
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. (CA)

In XXXX of last year I filed disputes with all 3 bureaus because there are some incorrect things bein reported. To this day they have not done anything to fix what it wrong. Why is this taking so long? 
I hope you can help with this matter.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am working on rebuilding my credit to become a home owner again. There are two hard inquiries reporting on Equifax that I do not recognize. I am not sure who to contact because it describes it as XXXX Miscellaneous Reptg. Agencies. Once on XX/XX/2018 and once on XX/XX/2018 from the same company. I do not remember giving anyone permission to pull any credit report this year at all.
Consumer complaint received 2020-11-30
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. (FL)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
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. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-10-19
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: HOMESTAR FINANCIAL CORPORATION (GA)

Company pulled my credit report for a pre approval to see what I qualified for regarding buying a home and has not properly communicated with me. They pulled my credit on the XXXX of XXXX and I have had to call them to see what is going on with my application, because they pulled it and never reached out to me on next steps.
Consumer complaint received 2017-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I had a XXXX in XXXX 2016 and went on the income=driven repayment plan as both my husband and myself were not working. I was advised by XXXX that the Federal Government would pay all of the interest on my subsidized loan and half on my unsubsidized loans. However, I do not believe this ever happened. I have contacted XXXX approximately ten times over the course of the year and each time have received totally different responses. At various times I have been told 1 ) they bill the Federal Government quarterly ; 2 ) they bill once a year ; 3 ) they had billed and were waiting for payment ; 4 ) that interest had stopped accruing on my account from the date I went on this plan, and most recently that 5 ) the government had already paid. However, NO record of payment has shown up in my account and it appears that all accrued interest was capitalized.

I am extremely frustrated. I do not believe that their customer services know anything about this process and keep trying to give me the run-around about what has happened. Today they claimed there had been payment but they could not provide me with any documentation of that payment, and it appears the balances are the same ( including the capitalized interest ).

It appears to me that the customer service agents have no idea how this process work, and make things up to cover for their lack of knowledge. I have spoken to supervisors there and continue to get the run-around. Today the representative I spoke to offered to transfer me to someone with whom I could file a formal complaint ; after being on hold for 20 minutes I gave up.
Consumer complaint received 2023-04-01
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)

My XXXX card information was stolen back of XXXXXXXX XXXX XXXX and is still effecting my XXXX account til this day ( XX/XX/XXXX ) someone is pretending to be me and calling XXXX. They call XXXX using my information to verify and then they tell XXXX the cards are either lost or stolen and have them replace the card but make up stories that theyre on vacation and need the card shipped to them and not my address on file. 
I have accounts in balances well over the credit limit that XXXX is trying to hold me responsible for. I have shown them proof many times those charges were not mine and they still deny my claim. My spending there are charges in New York and XXXX XXXX and charges from XXXX XXXXXXXX {$2700.00} which is insane. 
All the cards have been stolen and copied many times XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card.
Consumer complaint received 2021-10-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (UT)

XXXX account was opened in my name, however it was a result of identify theft. Reports have been filed and original company even verified it was fraud and removed the debt then continued to sell the debt to a debt collection agency and re add it to my report. Please tell them to cease trying collect on this account which is not mine and removed it from my report immediately
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (OH)

on XX/XX/2020 I recieved a online notice from Flagstar Bank that they would no longer accept ACH payments from my XXXX account. This is the same account that they have accepted payments from for two years. They are mandating that I only use a Personal bank Account to make the ACH payments from. I talked to their customer care supervisor and she took my complaint and said there was nothing she could do since they changed payment providers. I need to know if it is legal for them to deny a mortgage payment via ACH from a business bank account?
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

See attached documents detailing this company XXXX XXXX Acct # XXXX violating my consumer rights by reinserting an collection account that was removed from my consumer report. I submitted a dispute and had this account removed from my consumer report there is no reason for this account to reappear back onto my consumer report just 3 days after it was removed. According to 15 U.S. Code 1681i ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2021-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NE)

On XX/XX/2021, I received a collection letter from XXXX, XXXX,. on behalf of XXXX, for a bill of {$56.00} that I had never seen, threatening legal action if the amount was not paid in full. The letter was dated XX/XX/2021. I hold a XXXX  account and no such bill had ever materialized. After researching other consumers ' experiences with this, it seems such issues with XXXX and XXXX have happened in the past, including action with the CFPB. 

The letter gave me 30 days to dispute ; I payed the amount to stave off the collection agency while I contact and work with the CFPB.
Consumer complaint received 2020-11-30
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$6200.00}
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (IL)

On XXXX XX/XX/, I made a bank transfer from my XXXX XXXX XXXX account, XXXX XXXX XXXX, Routing Number XXXX, for the amount of {$200.00} and another transfer for {$250.00} on XXXXXXXX XXXX XXXX from the same bank. Both transfers were to my Chime account from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX, Routing Number XXXX. 

As of todayXXXX XXXX XXXX XXXX, Both Chime and The XXXXXXXX XXXX  claim they have not received the transfers, but XXXX XXXX XXXX  claims they have. My XXXX account has had the money deducted from my account. The first transfer was on XXXX XXXX XXXX ( verification code : XXXX ) and the second transfer was on XXXX XXXX XXXX ( verification code : XXXX ). 

I called the XXXX XXXX XXXX XXXX department this morning and they claimed that both transfers were completed successfully and that they would not refund the money. I then called Chime customer service and they claimed that neither transfer was showing in their system.
Consumer complaint received 2020-11-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BBVA FINANCIAL CORPORATION (AL)

From the time of application our closing date was always XX/XX/2020. Our closing was delayed 21 days due to not only processing delays but also caused by the COVID 19 pandemic, which slowed down the SS Administration and we were forced to stay in a motel for the entire time, costing us {$2100.00}. In addition, we had 2 ( two ) 26 ft XXXX trucks and a trailer which cost us {$3500.00}. 

When the appraiser went out initially and was at the property, he got a call and was told it was cancelled ( this is per the listing agent ), then the appraisal had to be reordered, which caused even more delay. There was a condition for a judgement to be paid prior to closing that our realtor asked from the time the conditions were received if it could be paid at closing as it would need to be paid from the proceeds of the sale of our home. They did not respond until the day before closing and had to get an exception to get this moved to an at closing condition. 

We were never contacted by the loan processor until the very end and tried to go through the Customer Service area to request reimbursement for above expenses totaling {$5600.00}. We feel BBVA should reimburse us 100 % to make us whole for this horrible experience. 

We submitted the receipts to the BBVA Customer Service Experience area. We were contacted by XXXX XXXX was told that the appraisal being cancelled was our fault, which caused the delay. We did not cancel the appraisal and feel they should have to take responsibility for the lack of communication and processing delays, emotional and financial distress they brought on us during this process.
Consumer complaint received 2020-11-30
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: BMO Bank, N.A. (MN)

On XXXX. XXXX, 2019, BMO HARRIS BK N.A. add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION (CA)

I had a earth quake loan that m & t bought .I have been paying the amount per month required. all of a sudden they they tell me the loan has matured and they want all of the balance. on XXXX i was sent back a XXXX payment the letter said the payment could not make account current.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo is refusing to investigate a fraud complaint I filed against several bars for over {$500.00} in charges for one night, as well as {$140.00} in unauthorized activity two days later. They are refusing to process my complaint, refund my account and are repeatedly making me speak with females discriminating against me because I am a male. They transferred me to over 10 females and I was told all managers were also female as well on XX/XX/2019. 

I am also being discriminated against because of XXXX ancestry and an expressed desire to visit a XXXX companys luxury hotel. 


Claims department sent detailed letter call them XXXX - XXXX XXXX   XXXX XXXX, call tomorrow XXXX XXXX, XXXX, xfer to Dual claims XXXX  XXXX XXXX XXXX, combined 2 claims into 1 claim. Claim # XXXX {$490.00} closed new claim # XXXX {$460.00} > 24 total amount {$530.00} x-fe r to supervisor XXXX ( supervisor ) XXXX, XXXX processed with several transactions 1-10 business days takes time to add transactions and dispute Claim # XXXX, 20 transactions {$460.00} ; provisional credit 24 - 48 hours XXXX XXXX, XXXX, XXXX, 24 transactions, total : {$530.00} XXXX XXXX XXXX XXXX, partially completed refund {$20.00} atm readded to claim XXXX, XXXX , XXXX, Dual fraud claim, transfer to XXXX, denied transactions , will go through transactions 2-10 business days XXXX, XXXX, XXXX, will remove {$1200.00}, {$450.00}, {$200.00} from new claim with XXXX
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Called " Midland Credit Management '' on XX/XX/23 regarding a {$360.00} debt I owe with XXXX. They also stated that Midland Credit Management has taken over the account and it is no longer with XXXX. I have never owned/opened a XXXX credit card and they are stating that I opened it in South Dakota XXXX which I have never visited and am a California resident XXXX Customer service at Midland Credit Management was also very rude, asked for my social security number right away ( which I did not provide ), and stated I had to pay them immediately with no explanations.
Consumer complaint received 2020-11-30
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: Experian Information Solutions Inc. (IL)

I have followed the guidelines in disputing incorrect account information on my credit report. The credit bureaus have not responded in a timely fashion, which is against the law. I am now exercising my rights to demand the deletion of the unverified accounts listed in the letter I sent them. This has hurt my ability to obtain credit and need this completed as soon as possible.