davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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. (OH)

I am aware after disputing things with the credit bureaus that the information was / is on my credit reports and should be removed especially when the New Credit Act of XXXX states in section 401 that these should be removed when no contract exists. Please assist! Theres also student loan data and inquiries that need corrected! 

XXXX - {$630.00}, no contract XXXX - {$240.00}, no contract 10 Missed student loan data to be reversed per new law DeptedXXXX 10 Missed Students loan data to be reversed Inquiries To Be REMOVED I didnt Authorized by way of contract XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX - no contract XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX  XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX Accounts : XXXX XXXX XXXX XXXX late payments - Account number - XXXX Negative data to be reversed *XXXX XXXX Negative data to be reversed Account XXXX Student Loans : DEPT OF EDUCATION/XXXX {$40000.00} Negative data to be reversed DEPT OF EDUCATION/XXXX {$60000.00} Balance updated XX/XX/XXXX XXXX late payments - negative data to be reversed Collections : {$630.00} - no contract XXXX XXXX XXXX  - no contract {$240.00} Dept Of Ed/XXXX - student loan data to be reversed 10 Missed Dept Of Ed/XXXX - student loan data to be reversed 10 Missed Collections XXXX - {$630.00} - no contract Inquiries To Be REMOVED I didnt sign agreement XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX - no contract Inquiry from XX/XX/XXXX XXXX XXXX XXXX , - no contract Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2018-01-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OR)

I was told or shown under a XXXX  link on the internet that there were low income repayment loans. I already have one through XXXX. But I called the number anyway because of fear of this ending soon. I called XXXX XXXX XXXX and they told me that if I made 3 payments of {$230.00} in three months that they would write off all of my debt after that. Now all of my dad is {$160000.00}. Which I thought may not really be true but he kept contacting me and we filled out papers and he needed to know that I would have a job and I hadn't had a job yet and then I was getting one. I'm in a helping profession so I thought that this could be legit because I had heard that there are loan write-offs but these types of positions and I thought that this was one of the ways I could go about doing it. But the last time I spoke with him he asked me for my debit card number and just wanted it on file he said for when I sign papers and said that everything was fine and that they could charge my card.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carvana Group, LLC (NJ)

In XXXX of 2021, I purchased a used vehicle through Carvana within a day the car 's engine light came on. I choose another vehicle BUT though the 2nd car was comparable in make, model and price Caravan wanted times more the down payment I had already paid. Ultimately, days passed and the 2nd car deal fell through. When I went to have the vehicle repaired I was informed I was in a " rebuild process '' that could take 0 days to " rebuild '' the original contracts. 

However, on XX/XX/XXXX my granddaughter and I were caught in a flashflood that totaled the vehicle. My car insurance quickly completed their process and paid the car off. However, Carvana and its affiliated finance company DID NOT. I have had to file several complaints with the XXXX  to get Caravan to complete the " rebuild " process. Likewise, I had to file a XXXX  compliant to get XXXX to apply the checks to my account which they applied XXXX BUT removed XXXX XXXX, for reasons unknown to me. AND, today, XXXX added a negative rating on my credit report for the full amount of the loan to a vehicle that has been paid off. Additionally, my GAP insurance company is waiting for Caravan and XXXX to supply them with documentation to complete their process. 

These people have made a horror situation worst by lack of transparency and competency and I believe they are predatory lenders harassing me for a vehicle that they know was deemed a total loss from a natural occurrence. PLEASE HELP!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

I am submitting this complaint because I am being extremely affected by NATIONAL CREDIT ADJUSTERS , L.L.C. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

Account information Account name : National Credit Adjusters Account number : XXXX Balance : {$310.00} Open date : XXXX XXXXXXXX 

I was harassed on phone, collecting on illegitimate bill, no funds were owed to original creditor, predatory lending, unconscionable interest rate. 

Solution : delete my account from all credit bureaus and waive the balance
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 2024-01-26
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} ; XXXX XXXXXXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX
Consumer complaint received 2021-07-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have bank with Wells Fargo for couple years now some time back I found that this bank have give another person a loan for a house with my social security number as a first time buyer I try to fallow a complain with them but they never got back to me they said I need to call XXXX and the other companies to figure that out they cant give more info I have a letter from social security stating that is my social number Wells Fargo have never gave me more info on this matter.

Recently a had two transaction that were return back to me Wells Fargo said at first they waiting on the money to be release to them so they cant put them in my account but that never happen the money disappear from my account period I submitted a claim asking where the money is and they dont have an answer for it I need help on what to do next.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NC)

I wrote a letter to Experian asking them to investigate mistakes on my credit report. They wrote me a letter back stating that they refused to do an investigation. They said they were not going to do the investigation because they did not think the letter came from me. That 's ridiculous. They gave me a number to call to confirm the letter came from me but I could not speak with a live person unless I bought something. I think Experian is just trying to get me to pay for an investigation that should be fee.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion is reporting XXXX credit incorrectly. I have tried several times to correct the issue. XXXX of 2019 was not late but it is being listed as 30 days late XX/XX/2019 is showing 60 days late when it was in fact not 60 days XXXX 2019 is also incorrect. It is showing 90 days late and it is incorrect. Please permanently remove negative pay status because it is incorrext.i have submitted this on numerous occasions and it has not been resolved. Please provide payment evidence from 2019 supporting this information that helped you in making this decision.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (IN)

it been over 19 months XXXX  new about the problem I I was robbed my id stolen and hacked. they had not been sending any bills through mail. at all or email So I have not been in XXXX for more than 19 months. I even question why I have not gotten a new card my old one was issued in XX/XX/XXXX. I called told them the problem they said the old account would be closed and a new one issued. but never was! so I called again and again talk to XXXX, XXXX, XXXX, XXXX  and they say they would look into it this was in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX they all told me not to pay anything at all until it was decided. so I did not! now a XXXX from corporate got involed and she said I owe more than 2,000 that someones been paying my bill and using my card. I told her what happen she does not believe anyone could do this! then she said I do not know what the billing or fraud department because its in texas and I do not control that or have anything to do with it she kept putting her foot into and getting deeper and deeper than she said I personal took over then she said I can not wipe the account because my computer will not do that. I wrote the ceo XXXX XXXX have not heard a word from him. XXXX has lied because a XXXX said from corporate it can be done and do not make payments then I get a call back from XXXX  she said I owe the full amount and she will not listen. it says on the statement any disupts and we page that explain do not pay anything. even on XXXX XXXX XXXX and others were talking about business not getting up dated, and the consumer not held. that were interviewing several ceo I should not pay this 2,000 0r more at all because no one knows what they are doing the headquarters is in wi state and billing is in texas and fraud in Ohio. I told them the problem and can not agree o what to do
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (NY)

While I was incarcerated between XXXX my neighbor deceided to steal XXXX from my TD checking account The check dated XXXX/XXXXXX/XX/XXXX was written to XXXX XXXX and signed by ( me ) XXXX XXXX ( and was cashed in her XXXX XXXX account ) But I could not have signed I was in jail and XXXX did not have a power of attorney. 
I reported this to TD Bank when I was paroled, and in XXXX 2014 I contacted TD to obtain a copy of this check I never gave XXXX permission to do this. 
TD refuses to prosecute XXXX and return the money, there response was " I had 30 days to make an inquiry or lose it '' TD was shown proof that I could not have known, but I have a letter from Investigator XXXX stating this. 
So I 'm out of the money
Consumer complaint received 2021-07-09
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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (NY)

Never received an investigation report as required by FCRA. Never received copies of the testimony submitted to three credit bureaus as required by Metro-2 and E-Oscar.

I requested investigation of my account directly with a furnisher and CRA .Both failed to maintain reasonable and prescribed procedures.

Please see attached correspondence. 
Direct Disputes Rule : XXXX. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in 2003, it allowed consumers to also file disputes directly with the furnisher.35 Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; ( 3 ) the consumer 's performance or other conduct concerning an account or other relationship with the furnisher ; or ( 4 ) any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. 
If the furnisher does not find the dispute frivolous or irrelevant, the furnisher must review all relevant information provided by the consumer in the dispute notice and conduct a reasonable investigation. The furnisher has 30 days from receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.41 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.
Consumer complaint received 2017-11-19
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: CITIBANK, N.A. (FL)

My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Citicards/Citibank is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that XXXX would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Citicards/Citibank to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/XXXX, the HVAC unit for my house packed up. I engaged a local contractor to install a new one. I made a small deposit to the contractor of approximately XXXX dollars. and entered a finance lease for the remaining balance. 

At the time of entering the lease agreement, the company Service Finance Company LLC ( A subsidiary of Truist Bank ), made an offer of for 18 month interest free loan to cover the remaining balance of the equipment and installation fee. 

The company in question has effectively misrepresented a critical term of the loan to me when I entered into the contract to repay it. 

Effectively they stated that I would not be charged interest for 18 months. To my amazement? No sooner did I start receiving invoices for the repayment of the loan, I noted that I was being charged interest. 

I spoke to the company representatives, they've stated the " interest is deferred '' and from my understanding the interest is credited to the account on satisfactory completion of repayment of the principal amount at the end of the loan term. 

While I appreciate the company in question, may defend its position by stating the interest is reversed at the end of the loan? The entire reason I entered this loan was to not be charged interest over the pendency of the loan and therefore the financial product I was sold from the outset, was falsely advertised because essentially, I am being charged interest on a monthly basis. Not withstanding the fact that interest rates vary and at no point was I ever made aware of the fact that I would be charged interest.
Consumer complaint received 2018-02-02
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: Trident Asset Management, L.L.C. (MD)

On XX/XX/XXXX XXXX  refuse to investigate a company that sold to a 3rd party my personal information without consent in the amount of {$340.00} ; when I began disputing other fraudulent accounts Trident Asset Management appeared on my report around XX/XX/XXXX stating I was in default of an utility bill back dating 24 months and damaged my credit. 

All written communication is returned by creditor and they will update another derogatory mark. Creditor does not have a Maryland resident agent to effectively communicate.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Our loan was sold by Loancare to XXXX XXXX in XX/XX/2017. Loancare has continued to deduct payment by ACH from our checking account. Two of those payments were forwarded on to XXXX XXXX ( posted late ). Loancare is continuing to withdraw funds and are holding the funds. When contacted they said that they do not have the funds, and that they are not deducting and that we must have set up bill pay thru our bank ( which we do not have and copies from the bank reflect such ). I have called and e-mailed their payment dispute e-mail both mortgage companies and neither have responded. I have also contacted the bank to request that the funds be retracted and all future withdrawals prohibited, but the errors are persisting. 


IN ADDITION, Loancare has been not been posting previous payments in full. They are short by {$5.00} each month ( possibly since the loan opened ), and are not posting payments as of the first of every month, which enables them to collect additional interest. Payments are being deducted twice a month for mortgage payment due the following month. Why is it that they payment is coming out in the prior month, yet they do not post on the first, but post between the XXXX and XXXX of the month?
Consumer complaint received 2020-04-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rapid Auto Loans LLC (FL)

RAPID AUTO LOANS TREATS TOWARD ME AND MY FAMILY IS WAY TO MUCH. 
XXXX YHEY WANT DUBLE THE MONEY FOR LOAN, NOT FAIIR
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NM)

I had told the rep to quit calling me and that the debt owed was from 8 years ago and once I was caught up with my bills and debts plus a student loan I would consider paying back the XXXX I owe. 

They somehow got a hold of my private landline I only use to make calls to pay bills over the phone and to contact my family out of state. So not only have they been recently contacting me on my cell but now my home phone. 

I called back the number on my landline and told them once again to quit calling me or id have them reported but now I feel that its no bother to them and for all these last 2 reps ive spoke with their ENGLISH was horrible.