davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XXXXI was NEVER late. This account is misleading XXXX   XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX  XXXXI was never late. 
XXXX XXXXI 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXXI HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXXXXXX XXXX XXXXXXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!
Consumer complaint received 2022-01-05
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 do not understand why it is taking so long to get an answer from the credit bureaus about a letter I sent them on XXXX. I have been patient, but I thought it was supposed to only take 30 days. At this point, I would like for them to delete all of the accounts that I have disputed on my credit report.
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XI was NEVER late. This account is misleading XXXX XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX XXXX was never late. 
XXXX XXXX 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXX HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXX XXXX XXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/2019, I had a email forwarded to me by a family member from ally bank. The email was about my checking account and included personal information. This email is NOT associated in any way with my account at ally bank. I logged in to my online bank account and looked for this email but could not find it in my contact information. The only email listed is my main email- XXXX. I then made the mistake of contacting ally bank by phone and after a 29 minute conversation with a customer service rep AND a supervisor, My problem was not resolved. If fact, I was never able to discuss my problem because according to ally bank, they could not " authenticate '' me so they would not help me. This security procedure is not helping or protecting me. It is keeping me from resolving problems that are about my account security. ALLY BANK should not be sending my personal account information to random email accounts and I want this resolved
Consumer complaint received 2024-01-31
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IL)

I had cancelled my subscription for my mobile service in XXXX XXXX XXXX  and requested the final bill for XXXX and XXXX because I had switched carriers ( XXXX XXXX XXXX XXXX XXXX stopped sending me paper bills without authorization, ( I never gave them permission to bill me electronically ). In XX/XX/XXXX I began receiving daily phone calls and was told the amount was for the months of XX/XX/XXXX through XX/XX/XXXX, and the full balance for that amount was due {$500.00} and I informed XXXX XXXX XXXX they had continued billing me after the service was cancelled and I needed the bill adjusted to reflect the correct amount and to send me a paper copy of the bill, which they never complied. I told them I was on a fixed income and that I would pay XXXX XXXX  month until they resolved the disputed amount, just to stop them from calling me daily. I made three monthly payments via phone with a customer service representative and XXXX XXXX XXXX continued to call asking for an amount that was incorrect. I stopped paying the XXXX XXXX  monthly when I a customer service rep said that I had to pay the bill online, and stated that I had a right to view a statement/bill from them. XX/XX/XXXX XXXX XXXX XXXX sent the bill to Credence Collection agency and a negative collection report showed up on my credit history from the 3 major credit reporting agencies. I filled a dispute complaint with the Illinois Attorney General 'd Office online. I sent a certified letter to Credence Collection agency asking for a paper bill from the XXXX XXXX XXXX and that was disputing the amount in their correspondence. XX/XX/XXXX I received a notice from Credence that my dispute was " recalled '' by XXXX XXXX XXXX and that I had to speak with them directly if I had further questions about my account. XX/XX/XXXX, I contacted Credence and demanded the negative collection report be removed from my credit history, and I was told that they no longer had my account and that all inquiries should be directed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told that they would not remove the negative report on my credit file until I paid {$400.00}.
Consumer complaint received 2022-09-09
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. (NC)

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from
Consumer complaint received 2018-01-08
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 (LA)

On XX/XX/XXXX I did payment on Discover Credit card. When I asked for the balance on that date. They are not providing the information and Said : " There is no way that they can provide the information ''. 

XX/XX/XXXX called to Discover customer service connected me to the Manager Said : " There is no way that they can provide the information '' next connected me to higher Manager and gave me the same  response. 

As a customer, i do have rights to know the transactions, balances. They are not giving information that I do n't have or can see through the application ( Web and Mobile ).
Consumer complaint received 2018-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX while trying to get things in order i pulled my credit report and saw that someone had XXXX things in my name i went to the police deparment and i was told i need more information so i started doing doing this on my own this first company simple XXXX XXXX has me down for {$410.00} and this started on XX/XX/XXXX now i reached out to them after XXXX there name i dint have a account number and i spoke with the supervisor XXXX who looked into there system to tell me they have no one under my name at that date or time and that they have no record of any one name XXXX XXXX i was then told to reach out to there CORPORATE OFFICE ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I did call and was talk to very nasty by a XXXX and then they hung the phone up on me when tried to call back the recorded said they were close all i want is this resolve this account is not mine they cant find no recorded and i want it of my credit report
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$350.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX {$3000.00}
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Augusta Collection Agency, Inc. (SC)

There was a collection on my credit report from Augusta Collection Agency. I sent a debt validation letter to the address on my credit report through certified mail and the letter was sent back to me saying " Return to Sender, Vacant, Unable to Forward ''.
Consumer complaint received 2017-07-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I and my husband each opened a 6-9 month CD on XXXX XXXX, 2017at an HSBC branch bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX as part of a promotion. We also opened a checking account and applied for charge cards. Everything went as it was expected to. We presented the teller with our check and received the appropriate paper work for each of the XXXX CD 's, the checking account was opened and the information for the charge cards processed. The checks were cashed. A couple of days later, we were told the bank was closing our accounts and would be mailing back checks in the amounts we deposited. The bank teller ( XXXX XXXX ) read an email which made no sense and would not elaborate on it. Her manager ( XXXX XXXX ) gave no further information but said that the bank had a right to close an account and they did not have to give a reason. My husband called the customer service number, spoke with someone named XXXX who refused to give him any information including any identifying information such as a tag number to further identify her. As we both were DEPOSITING money, have good credit to the best of our knowledge and have never had a problem depositing money or opening accounts, I believe I should be given an explanation. If it is fraud or some other reason, I would like to know it so it will not occur again.
Consumer complaint received 2018-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems (NC)

My complaint is against Financial Data Systems. This is my 4th or 5th complaint. 1st let me explain they have been removed from my credit report before, with the same amount owe, but still seems to pop back up on my credit reports which is illegal. The last complaints I filed through CFPB, the Company stated they had advised the Credit Bureau to remove this from my file. This company does not have the right to collect on a debt medicaid has already paid for. This again is illegal.
Consumer complaint received 2022-09-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

REPOSSESSION DEFICIENCY DISPUTE This account WELLS FARGO DEALER SVC acct # XXXX has violated my rights. 
Under the laws of the state of TEXAS UCC 9.506 and State XXXX and XXXX statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonableXXXX  manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES.
Consumer complaint received 2022-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (VT)

I am consolidating my direct loans with FedLoan Servicing and received incorrect information. The letter stated that once I consolidate I will need to restart my 120 payments needed to make towards my PSLF forgiveness. This is incorrect, as per the Department of Educations waiver period starting XX/XX/XXXX and ending XX/XX/XXXX. Please correct this information - all payments I have already made towards my loans should count, I do not need to restart my count after consolidation.
Consumer complaint received 2022-09-09
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$240.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank took over as the third party bank processing the XXXX XXXX  XXXX credit card several month ago ( around XX/XX/XXXX ). The transfer of my account from the previous company took place and there were no issues with my account balances. 

However, the new bank - Synchrony Bank has a policy in place where they reduce my auto recurring monthly payments when I make additional payments. I had calculated exactly what my payments needed to be monthly to pay off my balance without accruing interest. Then I purchased another item that needed to be paid off after my upcoming bill in order to avoid interest. Instead of changing my monthly recurring payment, I decided to pay additional amounts as one time payments and I pre-scheduled them online to be once a week. I received a letter in the mail in XX/XX/XXXX from Synchrony Bank saying they had decreased my recurring payment based on the one time payment I had made. I chatted with a representative online who told me that is how this system works. It seems unethical to me that my payment would be reduced when I choose to make additional payments. That has never happened to me, not with the previous bank nor any other bank I have had a credit card with. 

On my XX/XX/XXXX invoice I was charged interest because they reduced my payment amount without my permission. I called them on XX/XX/XXXX and they resolved my account by removing the interest charge. I received another letter in XX/XX/XXXX where they reduced my recurring monthly payment again. It has not yet posted to my account and the representative can not assist me. I have to wait to see what will happen and call again. 

I do not think it is appropriate to auto reduce someone's payment in an attempt to make them accrue interest.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Getting a loan or lease — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I started a mortgage process and got a copy of my FICO report, then I was able to see that an account that is not mine was added to my credit report, from them I have disputed this account within the 3 bureau credit offices, also have reported to the Bank which the fraud account has been set but it is still under investigation from XX/XX/2021 but haven't received final resolution. 
I have never used this bank for any loan and they say that the information is accurate, similar response I got from 2 of the Credit Companies which is false and it's impacting my ratio debt and credit score, increasing my level of stress handling this situation.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/2020 we were approved for a 30 year fixed mortgage with Wells Fargo to purchase a home in XXXX, Wyoming. Well Fargo told us that if we opened a NEW checking account AND funded it with {>= $1,000,000} we would get an .5 % interest rate discount ( 2.375 % instead of 2.875 % ). 

Based on this agreement and Well 's specific instructions, we opened a new Wells checking account and funded it with $ XXXX on XX/XX/XXXX which was 7 business days BEFORE our scheduled closing on XX/XX/2020. 

Between the time the $ XXXX was deposited ( XX/XX/XXXX ) and the expiration of escrow ( XX/XX/XXXX ) Wells failed to produce closing documents with the lower rate ( 2.375 % ). On the final day before the sales contract was to expire Wells Fargo indicated that they could not produce the closing documents with the lower rate ( due to admitted internal delays ) but that they could produce the documents at the higher rate instead.

At this point we had essentially no choice other than to lose the house or to close the loan at the higher rate.

We filed an official complain with Wells Fargo which resulted in Wells ADMITTING they failed to perform in a timely manner but refusing to re-price the loan in accordance with the original agreement.

In my opinion, this is an example of Wells Fargo bait-n-switch. ie : Dangling a lower interest rate in exchange for opening a new checking account ( key performance indicator for Wells ) but then failing to make good on the agreement. This behavior is highly similar to the recent fraudulent behavior Wells Fargo for which Wells has been penalized by the SEC.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

I submitted disputes on XXXX XXXX XXXX with Experian, XXXX, and XXXX. They refused to investigate, did not complete a proper or timely investigation, did not provide me with results, or verification. I want these accounts immediately removed or I will seek legal action against all 3 credit bureaus.