davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I applied for a XXXX 's XXXX XXXX XXXX in a XXXX 's in XXXX, TX, and was approved. I used the card to make a purchase of {$270.00}. 

On XX/XX/XXXX, I received my XXXX 's XXXX XXXX XXXX and my first bill in the mail. The bill had been due on XX/XX/XXXX, one day earlier, and had ARRIVED TOO LATE TO PAY ON TIME. 

On XX/XX/XXXX, the same day I received the bill, I immediately went online, created an account, and paid {$270.00}, the full balance reflected on my bill. At this time, I noticed an additional charge : a {$27.00} late fee. I called customer service at XXXX, where a customer service representative by the name of XXXX agreed to waive the late fee via a {$27.00} credit to my account, which he said " would be reflected on the next bill. '' He also strongly encouraged me to sign up for paperless bill via my email account. I agreed. 

On XX/XX/XXXX, I received my next bill, which DID NOT reflect a credit of {$27.00} as promised. In addition, I have been charged interest on this fee which I was never supposed to be charged, bringing my account balance to {$29.00} instead of {$0.00}. 

As of XX/XX/XXXX, I have not been able to obtain satisfaction on this issue. I was lied to and then cheated out of money by customer service. My XXXX 's XXXX XXXX XXXX ( administered by Wells Fargo ) has caused me nothing but grief and has cost me a late fee for a bill I received after it was due and then additional interest on top of that late fee.
Consumer complaint received 2018-06-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION (MO)

I have been making payments on this Auto Loan through the XXXX XXXX XXXX XXXX XXXX for several years. For a used XXXX XXXX XXXX. The payments are {$550.00} per month which have recently been a struggle since the XXXX  of my son XX/XX/XXXX and also a loss of employment on my end. My payment history confirms I still make payments monthly even with my hardship. And I have attempted to make arrangements with the company. The most I have received was 1 extension offered after several attempts to make arrangements for payment. My Balance has not been reduced since the finance was approved. I am told that I can not apply for further extensions based off my payments made. I can not change the due date. I have a ridiculous interest rate and late fee logic that ensures no payment will touch principal. My due date assigned is XX/XX/XXXX of month so it is impossible to catch up on billing before another bill generates and the company uses this to take advantage of sending threatening cure and repo letters which from the way they are dated coincide with dates I make payments. Company has also blocked me from making electronic payments via web or phone and advised I can only mail payments in a effort to use my hardship against me in order to cure my account
Consumer complaint received 2021-07-14
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. (CA)

On XX/XX/2021 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 30days 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 caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian lists a negative item on my credit report stating that I failed to pay money due to the City of XXXX XXXX. I have never lived in or owned anything in XXXX XXXX. I contacted the Treasury Department at XXXX XXXX using the information on the Experian report and the City of XXXX XXXX said that I do not owe them anything and that they had not reported that I did or do. 

I disputed with Experian online and they have not removed the item. I have tried to call their phone # and after numerous menus and hold times I get staff that are not helpful and refuse to connect me with someone who can help. I have told them I am trying to complete a financing transaction and that this error is causing me to pay significantly higher rates if it is not corrected immediately yet they have not acted other than to note the item as disputed. It took me one phone call to the City of XXXX XXXX to verify this is not my debt. 

I am XXXX XXXX XXXX, I sign documents etc as XXXX XXXX. The Experian report list the name XXXX XXXX XXXX XXXX, I am not XXXX XXXX XXXX XXXX nor have I ever done business or used that name. The report also inaccurately reports some prior addresses that I have tried to dispute. 

Experian is profiting by selling inaccurate information while committing slander and costing me ( I am sure others ) money, not only do they make errors but worse they make it incredibly difficult to get the errors they make fixed.
Consumer complaint received 2020-07-14
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: Experian Information Solutions Inc. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items from my credit report
Consumer complaint received 2018-06-13
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. (WA)

I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.
Consumer complaint received 2021-03-25
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. (GA)

On XX/XX/XXXX, I phoned Experian and spoke with a wonderful Experian employee. I explained that I have repeatedly challenged an incorrect account on my credit report and that it has not been deleted. I also explained to her that since I have disputed the account so many times the system will not allow me to open another dispute so I had to resort to calling in order to open another dispute. The account is provided by XXXX XXXX XXXX. She opened my dispute and after talking with her, I felt it would eventually be removed since I have a history of paying my credit card balances off each month. 

On XX/XX/XXXX, I received an email stating that the dispute had been verified and my score was down. I do not know how Experian got proof of a factory reporting company such as XXXX XXXX XXXX verified a debt that is not mine. I reported XXXX  XXXX XXXX to CFPB in XXXX : XXXX and then again in XXXX CFPB number XXXX. I also reported the original creditor XXXX XXXX XX/XX/XXXX CFPB number XXXX. I received a response from XXXX, a XXXX XXXX Senior Specialist, Corporate Consumer Relations about my concern and spoke to her. Subsequently, XXXX  and XXXX, and Experian took XXXX out of my credit report. XXXX XXXX XXXX  have deleted XXXX  XXXX XXXX from my credit report. 

I went to the source of the issue, XXXX, and I was able to get it resolved with them they removed the negative information from my credit file. XXXX, subsequently sold incorrect information about me to XXXX  XXXX XXXX before they removed my information from their database which is the cause of my nightmare. If I had spoken to XXXX from XXXX prior to them selling an incorrect file to XXXX  XXXX XXXX, I would not have XXXX XXXX  XXXX showing in my credit file.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

A collection was place on my XXXX and XXXX credit profile some months back. 
The collection company agreed to settle the dept, which they got from another collection company, so i made two payments to them between the ( 15 and 30 ) of XX/XX/2020 ; I pay them all the amount we agreed on. The collection company was supposed to send me a letter that the settlement was pay and completed but up to now i have not receive any letter. I call them twice and the last time I call them, they was transferring me to different agents with in their company and saying that they don't have my record on file. This company is not allow to collect from New York residence and have no right to place any collection on my credit profile, they need to removed it right away.
Consumer complaint received 2019-05-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (CA)

My parents passed away in XX/XX/2016. My brothers and I spent 2 1/2 years. 
SunTrust bank in Florida has been holding the money and not making it possible for me to receive my share of my parents money even though I am a named beneficiary. The bank sends a letter from the account closure services and tell me to call XXXX suntrust to reach them. THIS IS NOT TRUE. THERE IS NO OPTION THAT ALLOWS ANY CONTACT I had to press the option that says I need to open a new account in order to get a live body this is reprehensible
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Hello all, My complaints with my loan servicer, and specifically my XXXX XXXX loan forgiveness payments, are as follows : Complaint # 1 : A qualifying payment of {$260.00} was made on XX/XX/XXXX, with a due date of XX/XX/XXXX. PHEAA says payment does not qualify is because, " You did not make this payment within the required timeframe. '' I made the payment 10 days before the due date. 

Complaint # 2 : Submitted annual recertification the Spring of XX/XX/XXXX via fax ( the only way for paperwork with the company at the time ). Try to contact company multiple times throughout XX/XX/XXXX ( even made extra payments ) to check on my status, and still received no word of my recertification. Because of this, I was forced to put my loan into administrative forbearance. I finally receive certification in XX/XX/XXXX, 6  months of missed time. 

Complaint # 3 : Delays my income/employment certification AGAIN from XX/XX/XXXX through XX/XX/XXXX. Another 3 months I can not count due to their unbelievable delay/lost paperwork. If you look through phone records on my account, a manager called me back informing me of restitution for their errors, which never happened. 

Complaint # 4 : Paid {$320.00}, based on an email from them saying " We want to remind you that your payment of {$320.00} is due on XX/XX/XXXX. '' However, is not counting the payment because " You did not pay the full installment due. '' I have an email in my hand right now that showed them saying I owed {$320.00}. I paid exactly what they asked. 

Complaint # 5 : Another extreme administration delay in processing my paperwork for changing my repayment type, this time from XX/XX/XXXX through XX/XX/XXXX. It is unfathomable that it takes 3 months to review paperwork that can now be automatically uploaded online and reviewed. 

As seen in the Massachusetts lawsuit against PHEAA has failed to process borrowers ' IDR applications timely and properly, thereby depriving borrowers of the opportunity to make qualifying monthly payments that count towards loan forgiveness. To accommodate its processing delays, PHEAA has put borrowers ' accounts into forbearance status, which is not a qualifying repayment plan for loan forgiveness. This is not acceptable, and I am requesting that the above mistakes and delays be corrected via restitution. As a XXXX  XXXX working for a XXXX, I 'm relying on this program and these mistakes are unbelievable. Please help.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the XXXX Credit Bureaus to correct or discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

I have a loan with XXXX XXXX  &. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX & with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX -XX/XX/XXXX andXX/XX/XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

LexisNexis Risk Solutions Consumer Center Attn : Consumer Disputes XXXX XXXX XXXX XXXX, GA XXXX Consumer Number : XXXX [ Date ] Dear Sir/Madam, I am writing to address a concerning matter regarding my recent review of my credit report. Upon inspection, I noticed that there is an entry indicating a bankruptcy on my profile. I am reaching out to understand the process by which this account was added to my profile, as I have no record of such an event. 

I am not currently requesting a full investigation into this matter, but rather seeking clarification on the verification process employed by LexisNexis. Understanding how this information was verified is crucial for me to assess the accuracy of my credit report. 

At this juncture, it appears that LexisNexis may be in violation of several statutes, including but not limited to 15 USC 1681Q and 18 USC 1028. I must emphasize that I have not provided written consent for the sharing or reporting of this particular information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I hereby formally request that LexisNexis deletes this erroneous account from my profile within 10 days of receipt of this letter. 

Please be advised that I am putting LexisNexis on notice regarding the unauthorized inclusion of this bankruptcy entry on my credit report. 

Thank you for your prompt attention to this matter. I expect a timely response regarding the actions taken to rectify this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX   XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2018-06-13
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Riverwalk Financial Corporation (VA)

In XX/XX/XXXX I was so racy by XXXX XXXX and was given a written agreement of repayment on my loan which I have done each month. I got a call in XX/XX/XXXX 6 month after I started my written agreement stating that they done give written agreements but j have one that was emailed to me from there company which I faxed and have fax confirmation for this on XX/XX/XXXX. XXXX XXXX the supervisor then called me after i called XXXX   and she did not return my call. I was told they needed to increase my monthly payment in keel rhe account inhouse?? No reason was given for this increase. XXXX XXXX had always been very helpful to me about this and I had made my payment in time each month. I was first told my a XXXX XXXX that's the minimum payment was XXXX  and not {$100.00} and they would take me to court due to I was not making full payment To keep out of litigation. XXXX XXXX   told me he did not know who this man was but he gave me a fax number to there office. I asked for a new written agreement showing the XXXX a month payment plan he wanted me to start he refused and would not give me a reason for having to break this written agreement that was made with ne and XXXX XXXX XXXX XXXX. I was not informed why they needed to increase my payment. U had a verbal sk called recorded agreement with XXXX XXXX and a written agreement was emailed to me from XXXX XXXX which I provided to him. XXXX XXXX  told me they do not do written agreements at this coompanh but I have one. I agreed to the increase I have not broken my agreement but i should be able to have a amended agreement which they will not provide me. She just told me last week I twas okay j could mail my payment in on the XXXX instead of the beginning of the month because I just had XXXX XXXX on XX/XX/XXXX. But now she womt return my calls.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

I have had an HSBC account in the USA since XX/XX/XXXX and I opened it because I had an HSBC account in XXXX XXXX. I primarily opened it as a joint account with my son who was starting university there.

My daughter too now is studying in the USA and I frequently transact on that account to send her rent and university fees. My XXXX  TV and other paid apps are also connected to that account.

The last transaction I did on it was on the XX/XX/XXXX and now they seem to have abruptly closed my account with no explanation and I had upwards of {$18000.00} in it. Funds that I need access to to pay for my kids in the US.

I called everyday for the past week and I keep getting transferred to various call center customer service people who are not able to give me any definitive answers. The bank is HSBC USA and I am very very worried as have several payments to make for my daughter at university.
Consumer complaint received 2019-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (CA)

Grant & Weber is reporting an unpaid debt from XXXX hospital to credit reports. This is not my bill. There are multiple people with same name. Use my middle initial and date of birth to verify its not me. 
Remove the negative debt from my credit.