davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-06
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. (WI)

I have sent each credit bureau a letter updating my personal information and for some reason they can't seem to get it right. Each report shows different personal information. I have told Experian on several phone calls and letters that my name is XXXX XXXX XXXX not XXXX XXXX XXXX. but they have not deleted it from my file. I have also told them XXXX XXXX XXXX does not belong to me and they still have not deleted it. I have updated my employer with XXXX as The United States Postal Service ONLY. They removed all other employers but added XXXX back as an employer XX/XX/XXXX, which I have not worked for them in over 10 years nor do I have any business with them. Also, there is an inquiry on my file from XXXX since XX/XX/XXXX that I have been disputing but they refuse to remove it even after I've sent letters to both XXXX and XXXX XXXX company stating that I have no business with this company and this inquiry was not authorized. I have informed XXXX in the letter and multiple phone calls that my ONLY address is XXXX XXXX XXXX XXXX XXXX, WI XXXX and they somehow deleted all old addresses except XXXX XXXX XXXX XXXX, which I have not lived at in 15 years nor have any ties to. I would like these matters to be deleted and updated right away as it is having a negative effect on my credit profile. I have attached the letter that I sent to all three credit bureaus as well as the letter that I sent XXXX that was returned to me. Thanks, XXXX XXXX
Consumer complaint received 2022-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I submitted a dispute in writing to RBFCU on XX/XX/16. I have not received a follow up to the dispute and contacted them via phone to discuss and have not been told anything. 

I called again today to see if they would reverse late fees on my account since I don't feel as if I was properly notified of the status of my account and that I believed an error in auto draft settings caused the issue. The RBFCU agent advised that they are not liable for system issues since I was auto-drafting from another bank and that they don't recommend auto-draft. I should be able to trust that banks will err on the consumer side when these issues arise. 

I also sent my dispute in writing and was told I had to send it through another method for it to be addressed instead of them forwarding the message along. This caused additional delays in getting this issue resolved. 

I believe RBFCU corporate is intentionally refraining from notifying customers of accounts with auto-pay issues because they profit from the late fees. Then they make the phone reps tell customers the company has no ability to manage the auto pay for the accounts they manage.
Consumer complaint received 2018-10-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Voss & Klein, LLC (FL)

on XX/XX/XXXX at XXXX XXXX, I was checking my annual credit report and i saw that voss & klein was reporting a debt that is not owed for services rendered at XXXX XXXX. I contacted them and requested them to validate the debt and they supplied me with multiple invoices, 3 that show that my balance was XXXX, plus a typed up letter from XXXX XXXX without an official letterhead, no signature and dated XX/XX/XXXX almost 9 months after I received the service. As the invoices submitted by Voss & Klein clearly indicate that the account balance is XXXX, they still continue to try and validate this account as accurate. I spoke to XXXX XXXX via phone on, XX/XX/XXXX XXXX XXXX and I also send her an email disputing the debt, bringing to her attention that the invoices show a balance of XXXX and that I demand she cease all collections and remove this erroneous and damaging information from my credit report. I again checked my credit on XX/XX/XXXX and I saw that this information was still on my report at which point I sent out information to the credit reporting agency and they stated that it was actually validated again on XX/XX/XXXX by Voss & klein. I mailed out a dispute letter to Voss & klein on contacted Voss & klein again on XX/XX/XXXX and demanded a legitimate validation of this debt, a signed contract that says I am a signed agreement with Voss & Klein or XXXX XXXX agreeing that I owe this debt and she sent me the same exact invalid documents that she sent in XXXX. Now ive been to XXXX XXXX and they will no longer discuss this with me because they have an agreement with Voss & Klein so they can no longer discuss this matter with me. 
The burden of proof is with Voss & Klein and they have not been able to supply me with any legitimate proof that this is a valid debt nor that I have any signed contract with them authorizing them to collect any money or giving them the right to report this damaging information to the credit reporting agencies. I have been denied credit, financing and lost out on apartment rental due to Voss & Kleins bogus, inaccurate and unverifiable reporting. I ask that Voss & Klein cease all collection efforts and delete this damaging information from my credit report. 
Respectully, XXXX XXXX
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDCOUNTRY FINANCIAL CORP (MD)

XXXX XXXX ran two Hard Inquiries on my credit report ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.
Consumer complaint received 2018-03-10
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. (GA)

My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX   XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (TX)

XXXX XXXX took me to court in 2017 & the Judge ruled in my favor dismissing the case with prejudice. However, Experian has put this debit on my Credit Report & refuses to remove it although I have provided proof.
Consumer complaint received 2020-09-14
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. (OH)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-01-03
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: Aldous & Associates, PLLC (NY)

Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : ALDOUS AND ASSOCIATES {$98.00}
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

I feel based on my evidence I have overpaid the loan the company has recorded loan terms of 73 my contract loan terms are 72 months and I have been making payments of {$400.00} to {$450.00} for the last 12 months
Consumer complaint received 2018-02-20
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: DISCOVER BANK (MO)

On XX/XX/2016 I received an unsolicited call from XXXX XXXX XXXX XXXX, for a website and an online store, I was told they could get this running in 2 weeks and making money in 3 weeks. 
According to the contract I signed I was supposed to receive the following services : A custom Website ; Business Entity Setup ( which they said was key for advertising ) ; Social Media Marketing Setup ( allowing customers to be linked and connected to my site ). 
But soon after I paid them {$7500.00} I never heard from them again. This is the reason I am filing this complaint, even though I called several times tried to get my money back and told them how I was not pleased by the way they were handling things, but they showed no remorse for what they were doing and completely ignored and refused my requests. I have been defrauded and seriously taken advantage of from another telemarking company offering nothing but lies and deceit! They did not provide what I was supposed to receive, and they knowingly did this! 
Please help me get my money back from these conn artist,  I know the FTC is cracking down on many companies such as these for selling deceptive work at home schemes, who have taken millions from consumers. 
Thank you in advance for your help with this matter.
Consumer complaint received 2018-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

I was opening my mail on XXXX XXXX. I had not had time till then. I was working from XXXX to XXXX trying to make up time I had to take off because of an accident In XX/XX/2918. I came across a letter nothing on it printed as important info. Not a signed reciept letter. It said they would be foreclosing on my house XX/XX/2018. Due to my injury and school where I clean. Had cut my hours to 1 or 2 hours for the summer. I fell behind a month but I had been paying a month behind with the late fee. I was not notified I had a problem till XX/XX/2018. When I got a check for {$40.00} and this letter. This should have been sent signed reciept if it was that important. They had been accepting my payments for 3 maybe 4 months then bamm they come out of the blue with 20 days to come up with another {$700.00}. This is unfair. 2 years ago they charged me extra a month for 9 months because they forgot to add in my insurance to my bill. I played my bill as they said I owed promptly on the first but then I had to come up with {$200.00}. More in full. I had to pay it on the XXXX when I got payed again. That is not fair either. I spoke to an attorney he said I could either pay him or the mortgage company .big business I could not win. Thus us unfair.
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NJ)

This is ONLY regarding the virtual cards, physical cards are perfectly fine. 
I can not view my virtual cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have troubleshooted to the most advance level. I called in 3 months ago, supervisors told me it was a technology issue that other clients also experience, so they submitted multiple tech department tickets to have it solved. Now, 2 days ago, I called in, and forcefully asked what was going on and they told me the internal department needs to review my virtual card accounts before I could view and use the virtual cards they provided. Every department whether on chat or the phone is, transferring me to another department or gives me the wrong information ( misleading too, because one agent can say the previous agent 's answer was totally wrong ). I just want to view my virtual cards. As stated by the phone calls 2-3 months ago, stating it was just a technology issue and will be fixed timely, to now my virtual cards needing review by the " internal department '' and wait for their call which never seems to come or have an exact date seems highly unprofessional by Goldman Sachs XXXX In a gist, one department says it will be fine in 24 hours with an ID verification, another says they will submit a tech issue, and another says the internal department will handle this issue with NO time frame provided and in a rude manner too. I am currently on the phone and chat too, too no surprise, I am being transferred to another department yet again on both communication lines.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, I am writing to make an official complaint against Wells Fargo for its discriminatory lending practices against me. I recently applied for a Business Account with Wells Fargo and was denied without explanation. This has caused me to suffer significant financial distress, and I believe my denial was motivated by bias due to my race and ethnicity. 

I am a Latino-American male, who has historically been the subject of discriminatory practices in the banking industry. Part of the reason why I selected Wells Fargo to make this mortgage loan application was that I expected to enjoy a fair and equitable treatment from an institution that has been in the business for so many years. However, I now believe that I was offered different and less favorable terms than what a non-Latino applicant would have been offered. 

I would like to request an investigation into Wells Fargo 's pattern of behavior and treatment related to lending, particularly with Latino American applicants. I personally feel wronged by your organization and expect to receive an apology and clarification as to why I was denied opening a Business Account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitol One took me to court in 2017 & the XXXX ruled in my favor dismissing the case with prejudice. However, XXXX has put this debit on my Credit Report & refuses to remove it although I have provided proof.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my dissatisfaction and concern regarding the prolonged delay in the removal of fraudulent items from my credit report, despite multiple attempts to address this issue. The presence of these fraudulent entries continues to unjustly impact my creditworthiness and financial standing, necessitating urgent action from your agency. 

I have made numerous attempts to dispute and remove the fraudulent items from my credit report. Each time, I have provided substantial evidence and documentation to support my claims, including affidavits, police reports, and any other relevant information. Despite my persistent efforts, the fraudulent items persist, causing significant distress and frustration. 

The prolonged presence of these fraudulent items has had severe repercussions on my financial well-being. It has unfairly tarnished my credit history, making it challenging to obtain credit, secure loans, and access financial services. Furthermore, it has caused considerable stress and anxiety as I continue to navigate through the dispute process without resolution. 

Given the multiple attempts made to address this issue, I urge your agency to prioritize the swift removal of the fraudulent items from my credit report. Specifically, I request that : The fraudulent items be thoroughly reviewed and promptly removed from my credit report without further delay. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar occurrences in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe of the receipt of this letter. Failure to do so will compel me to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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
Consumer complaint received 2020-01-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I had submitted my XXXX orders to XXXX back in XX/XX/XXXX, because I was going to be overseas where I would not have access to XXXX service. I sent in an email ( XX/XX/XXXX ) to  XXXX. They successfully put my account on hold. Then on XX/XX/XXXX ( mind you I am overseas still ), I receive an email that my phone had been activated and needed to be paid. My orders clearly state that I will be on XXXX for 359 days. So, me being shocked that my phone had been activated against military orders and my permission, I contact XXXX via email. The woman asks me to send the orders again and that she would suspend the account for the 359 days. So on XX/XX/XXXX I  resend orders. Then fast forward to when I am stateside and home from XXXX, I contact XXXX to activate my phone. I am told that they can not activate my phone because of no payment and that my account is in collections. They could not reactivate or pull it out of collections because " it was out of their hands ''. So I had to open a new account with them AFTER paying the old one off ( that is somehow still in collections as if it hasn't been paid off ) and in result I have a collection for a phone that was to be on a military hold for 359 days, because XXXX failed to do their job. I then submitted a dispute against this collection and I received a result back saying " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' So I am now submitting a complaint against this, because I have more than enough proof showing that my phone was requested multiple times to be on hold while I was on military orders and yet this account is in collections because of XXXX 's wrong doing.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

Hard Inquiry from XXXX CARD SERVICES on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX FS on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report. 
Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit report Hard inquiry from XXXX XXXX on XX/XX/2022 which is fraud. I want it removed from my credit reopt
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NV)

XX/XX/XXXX I reached out and responded to company with documented evidence that the debt was not owed. I provided 30 written notice to vacate the premises dated for XX/XX/XXXX. The debt ledger that was provided list rental amount and late fees for XXXX and XX/XX/XXXX which is after the the premises were long vacated. I asked for follow up documentation in the form of required by law 5 day pay or rent quit notices or late rent notices from the original creditor as proof of rent owed and did not receive any further validation of debt. I am asking for them to validate this debt in its entirety.
Consumer complaint received 2022-01-19
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. (LA)

I tried reaching out to this bureau several times about this account that does not belong to me and inquiries that do not belong to me. this information is fraudulent and i want it investigated and removed from my credit report!