davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
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. (PA)

XXXX XXXXXXXX has closed the account do to fraudulent activity in which they investigated and provided documents that I was not responsible for those charges the charges took place in XXXX however they are still reporting late payments to the bureau! The late payments accumulate during the investigation and were payments requested from the Fraudulent charges! Those Late payments should be removed Also I was not responsible for payments made fraudulent XXXX XXXXXXXX letter states that I was credited back the money to my account but that account is closed so why wouldnt they credit the late fees I was a victim and the closed account is hindering my report along with these 90 days late payment reports I need it removed Immediately by Law its falsely reported I am not responsible for late fees in XXXX that accumulated from XXXX fraudulent transactions that XXXX XXXX credited back
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. I have called Experian a few times to get addresses removed as well as names I don't use. they refuse to remove the information and told me the only way to remove it was to get a police report. they say the letter I uploaded was insufficient because it does not say the name or address in the police report. I have told Experian multiple times that I don't use XXXX XXXX when applying for credit I use XXXX XXXX XXXX. because of the identity theft situation from 2006. Experian continues to refuse my request and they continue to disobey the law by continuing to report inaccurate information on my credit report. 
I requested Experian to delete the names on credit report, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX addresses : I do not live at a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and this info needs to be deleted.
Consumer complaint received 2020-10-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me on XXXX. I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2020-12-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$9300.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2021-04-07
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. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

Please see the attached letter that I received from MOHELA dated XX/XX/2023 from a complaint that I filed against it with CFPB. 

I still have not received the {$1700.00} refund despite the letter stating that the check due to me would be issued via mail from the US Department of Treasury and that they will facilitate the process within the coming WEEKS. 

It's been more than 4 MONTHS.
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

We have a fixed rate auto loan with XXXX XXXX. We pay extra on the loan most months and noticed that the amount due on the bill fluctuates each month which should not be possible given that the loan terms are fixed. ( Background : My career and XXXX XXXX are both in finance ). 

I called XXXX XXXX today and spoke to employee ID # XXXX. I described the problem and was forced to listen to a recording about how additional funds were not applied to principle unless one were to jump through a bunch of hoops after each payment to get the additional funds applied to principle. What they do instead is apply the additional payment to future payments. 

By doing this they are overcharging me in interest as the additional payments are not impacting the outstanding principal balance they are intended for. The outstanding principal balance is the input in the calculation made each month when payment is made to derive how much of the payment goes to interest with the remainder going to principle ( as per any standard amortization schedule ). 

This practice is dishonest if not illegal. Why would anyone decide to give the lender money in advance if it has no impact on the total interest paid over the life of the loan? Literally they are taking this money as if I were now lending them cash interest free or if I am being paid interested on my advanced payments, they are creating a potential tax liability for me that isnt getting accounted for when I pay income tax. 

I asked the kid on the other line to tell me where on the loan documents I could find this unconventional and possibly illegal practice defined. He could only point me to the bill and didn't seem to realize that the bill was not an addendum to the contract or even on the same legal level. Finally, he asked " How can I help you? '' as if it wasn't clear what I was requesting to happen. The call was ended unresolved. 

Later after reading the loan documents I found where credits were applied in reverse order and it suggests that interest is also paid ( see attached documentation ).
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/2022, I called American Express to inquire about canceling my card because I was unhappy with the benefits and customer service. The representative informed me that I had already paid my annual fee. I explained that, in that case, Ill keep my account open and requested a new card to be sent to my mailing address since my card had expired a few months back. The representative took down my new mailing address and informed me that the card would be delivered between XXXX XXXX XXXX 

Days passed and I did not receive my card. On XX/XX/2022, I called back and spoke to a XXXX named XXXX from XXXX XXXX. XXXX told me that I didnt receive my card because I closed my account. I told him that I did not consent to my account being closed. He said that on XX/XX/2022, I requested for the account to be closed through their automated machine. XXXX explained that, even though I continued by speaking with a representative, my account had closed because I requested to close my account. I told him that I did not confirm any closure of my account and I only requested to speak to a representative to discuss closing my account. XXXX said he would look into the complaint and call me back in three days. He specifically said he would look into whether it was my fault the account was closed or if it was a Company mistake. He assured me that he would call back and I should not call. He never called back. 

On XX/XX/2022, I called American Express and spoke to a different representative. The Representative said that my account had been closed and there was nothing that could be done. The Representative said that the internal notes indicated that there was an investigation and the account had closed because I requested it to the automated service. There was no detail she could provide me. I kept asking her what the details of the investigation was and she had none. Because I closed my account through the automated service, it wasnt American Expresss fault and I would have to pay a fee to reinstate my account.
Consumer complaint received 2020-10-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed this Chapter XXXX several times due to inaccurate information ( address, case number ; its all wrong ). I filed the initial dispute with all three credit bureaus on XX/XX/XXXX. I received a notification from XXXX  on XX/XX/XXXX that the Chapter XXXX had been validated. On XX/XX/XXXX, I received a person email from XXXX stating that they could NOT authenticate me in their system ( because I disputed through CFPB ) and they needed me to fax them copies of my SS card and license ; or send them by email. The issue is this : 1. It is not up to me to bear the burden of proof to authenticate who I am to them. When I submitted the CFPB dispute ; I gave you my last 4 of the social, birthdate and complete address information. I called XXXX the same day gave them all of the information that they requested and they STILL could not authenticate me. When I filed this dispute ; it was filed through the CFPB which shows the last 4 of my SS # and my birthdate and address. That is how they got my email address. 
2. Due to the number of data breaches etc., I do not feel comfortable sending my information to them via fax or email. Again, I do not believe I should have to send this information to them. They should have this information handy if they are sending this information to credit reporting agencies on a regular basis. 
3. Based of the fact that XXXX  stated that they received validating from XXXX and then XXXX couldn't verify me. Something isn't adding up.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number. We called the bank on or around the XXXX to see why it has not been credited to her account. At that time a representative indicated that that had happened to them before and that I should just let the normal process take place and that the bank would recognize the On XX/XX/21 I transferred {$7100.00} to what I thought was my wife 's new account at USAA but, I mistakenly entered her USAA member number instead of her account number. We called the bank on or around XXXX the XXXX to see why the funds had not been credited to her account. At that time a representative indicated that I made a mistake and indicated the same had happened to them before and that I should just let the normal process take place and that the bank would recognize the error and that would activate a return of the funds. I waited several days and the funds were never returned. With the assistance of a member agent, on XX/XX/XXXX, I was instructed that the next step was to request to dispute the transfer. On XXXX, XXXX I received a denial and the dispute was closed. Today I talked to specialists, managers, etcI am being told there is nothing they can do. The information they are willing to provide is limited. I cant tell if the account holder where the {$7100.00} accidentally went to is denying the return or what. Essentially the account holder is keeping funds that do not belong to them. I do not know where to turn at this point. Here 's to hoping you can help me in some way.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

Made a few transfers from XXXX to Wells Fargo. Three went through. I have since tried to transfer funds but Wells Fargo is blocking me receiving funds. Ive called them but they give run around. They are unprofessional rude dismissive and disrespectful. The so called supervisor XXXX  was just silent et refusing to help. She has poor customer support skills. She would not take any action to see about and fix block on my account. She is not the only one. In general the staff is dismissive disorganized and disrespectful. They do not inform customers. They are unwilling to help and are not upfront. I want my funds and should not have to go through this harassment. They are a sneaky institution that had very little regard for their customers. Why do they make things unnecessarily difficult. I want my case settled et for them to be pro-active
Consumer complaint received 2020-04-29
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$5800.00} BANKRUPTCY CHAPTER  XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed XXXX accounts that was not reporting accurately. I had XXXX late payment on XXXX of my accounts that I was in fact paid on time. The consumer reporting agencies have and need to report all information with complete accuracy.these account has not been late on payments.Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2023 and XXXX XXXXIm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments to be updated as paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2020-10-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TX)

In XX/XX/XXXX consumer enrolled with XXXX XXXX XXXX sponsored by XXXX for payday loan debt assistance through a negotiation process for consumer for 15 months ( shorter or longer ). Consumer completed a DocuSign document, enrolled in the program and began making the necessary payments of {$180.00} by debit every two weeks towards these and other debts. These debts included XXXX XXXX, medical debts, etc. However, one year after making payments, consumer began to feel uncomfortable and noticed that monies that were to be used towards paying down the debts were being applied towards a " Financial Success Kit and Identity protection plan ''. Consumer requested this to stop and then double-checked account payments. XXXX assured consumer that most of these debts had been settled -- including XXXX XXXX. Consumer verified this as well. Consumer did not receive any further calls or mail notifications from these companies and assumed that the debts had been paid. 
XX/XX/XXXX -- Consumer viewed credit report and discovered that National Credit Adjusters has bought the " XXXX XXXX debt '' and placed it on my credit report in the amount of {$1800.00} and updated it to be ongoing beginning XX/XX/XXXX. This debt is from XXXX. The amount of the debt is inaccurate and has been placed on my credit TWICE. National Credit Adjusters is not the originator of the contractual debt. Debt has been paid according to XXXX XXXX XXXX.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (IL)

On XX/XX/2020 I signed a purchase agreement for a home. There was initially a projected closing date of XXXX. The loan company PNC continues to delay the loan and asks for an extraordinary amount of documentation about the home. The lender PNC received the appraisal from the Appraisal company but said it was not complete. They refuse to disclose what is missing and lied about when the information was exhanged. I want this loan closed but am wondering if theybare delaying because I am a minority or because this is a rural area.
Consumer complaint received 2023-03-23
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. (CA)

XXXX XXXX XXXX XXXX and I went under a lemon law case for my XXXX XXXX XXXX for technical issues with vehicle, where my car was paid off and I recovered a check. But days after I settled this lemon law case with XXXX, they put a charge back on my credit report. I have all the proof of this and disputed it and nothing changed. This is so unprofessional of them and I wont stop until this is solved.
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (UT)

I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
Consumer complaint received 2020-10-13
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. (CA)

Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of 2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX