davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax has been constantly displaying someone else ssn number on my credit report. I have requested several times for these items to be removed. I have also provided them with my ssn and  XXXX  form for the  SSN admi nistration. This previous report that I received from a dispute listed the full ssn that belongs to other people on my credit report. This is t he 2nd time  they have sent me someone elses full ssn. This is against the law to release this information belonging to other individuals. I would like this information remove asap before I seek legal assistance. I do n't want to be held accountable for their mistakes. I have attached the request as well as forms that were previously sent to Equifax per their request as well as a copy of my DL, SSN. Please not this information was sent to a Supervisor in  their Consumer Internal Affair Dept several times. Also in a previous case I asked for the fraud alert to be remove and they responded that it was removed on the report attached they have added this bac k to my file.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX   XXXX  has ever  XXXX  credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized  XXXX   XXXX  to inquire about credit.      XXXX   XXXX  Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  + Finance
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

nothing they said they only report to the  one reporting place, I need   XXXX   XXXX   to show on all my accounts, it does on one but not all the others , please
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX, XXXX and XXXX of XXXX my Bank, Wells Fargo, failed to make monthly payments of {$500.00} per month to my credit card company XXXX XXXX, whom I had a 30-year relationship with and a Platinum Card. Wells Fargo did so in error, and did not notify me. It wasn't until XXXX cancelled my account and filed credit deficient reports on my credit that I was made aware. I asked Wells Fargo to repair the problem, but all they offered was the attached letter of apology. Since then, On XX/XX/XXXX, XXXX XXXX filed a lawsuit against me for the balance of {$9800.00}, but more importantly, completely ruined my credited. I lost my job and was unable to recover the XXXX account as the penalty interest multiplied. ( On top of this, Wells Fargo opened new accounts in my children 's names without my permission, further devaluing my credit, but this was already handled ). If I do not pay XXXX XXXX at {$3800.00} by XX/XX/XXXX, I will have a judgement lien filed against me, my credit permanently damaged and possibly lose my home.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY (DE)

I am completely XXXX off with American Express.Their XXXX everyday card is supposed to be good but the way they handle their customers is horrible.I have been almost harrased by them.I recently moved in from XXXX to XXXX and changed my address on all my bank accounts and then applied for the card with American Express.I applied on XX/XX/XXXX.After 15 days because there was no reply i followed up with them.They said your address doesnt match and hence send us a signed bank letterhead.They wasted 15 days here and didnt care to even tell me if it wasnt for me to call them.Next thing i got it from my bank and immediately faxed them twice just to be on the safe side.After following up with them for 10 continuous days ( I am not even exxagerating ) and speaking to countless agents and their managers still i get the reply that they havent received it.So now i mailed it to them via USPS and it has been delivered on XXXX I called in today on XX/XX/XXXX and still they say the same thing.Nothing has been received. I have been literally mentally harrassed, tortured by calling them daily and speaking to some really rude agents who make fake promises of call back.I dont want anyone else to go through this trauma.I am definitely not going to receommend AMEX to anyone and even if my card comes through do you really think i will use it, i will promptly send it back.I asked them that i have waited for 40 days, i want a credit reversal on this, for that also they arent agreeing.You can check their call logs which were recorded for quality and training.
Consumer complaint received 2020-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA is failing to honor its promise to provide a {$350.00} bonus if I open a checking account and direct deposit {$4000.00} within 90 days. I've called with no success. why do they market these promotions to lure us and then fail to fulfill their promise?
Consumer complaint received 2015-09-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I have been paying for my loan with Loan Care for the past XXXX years. Have been paying automatic withdrawal from my wife 's bank account to them every other week ( XXXX payment each time ). Everything was good until I got a notice that I was delinquent for XXXX payment. Come to find out that they placed XXXX of my XXXX payments into principal, which I had no intention to do so ; should have been applied to my monthly bill. I contacted Loan Care and they were able to do a principal reversal ( only after several follow up calls ), however I was still reported delinquent 30 days to the credit bureau. I have made a formal credit dispute to LoanCare because I feel that it was an error on their part that made me delinquent. In addition, if I knew I was late on a payment ( have not received any monthly statement from them, although they swear that they mail it out to me ), I would of paid them in full ( which I am doing right now ) ; I still have n't received any statements from them. 

My XXXX credit dispute is still pending a decision, however it is very frustrating to know that an error of placing my payment to principal and not having any paper trail/monthly statement to inform me of delinquency has effected my and my wife 's credit score ( around XXXX initial, now XXXX ; good credit report : paid all my creditors on time and provided this history to Loan Care ). 

I would like Loan Care to be held responsible/accountable for the above error that made me/my wife delinquent and to provide me with paper statements ; correct the delinquency with the XXXX credit bureaus. My wife and I make payments religiously and have worked hard to build up our credit ; it is not right that a servicing company could allocate funds in-correctly and not inform myself ( consumer ) prior to reporting to the credit bureau.
Consumer complaint received 2022-11-17
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. (MI)

This XXXX XXXX is currently showing 30 days late way back XX/XX/XXXX and XX/XX/XXXX and 60 days late in XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. 
XXXX  XXXX XXXX Balance : {$130.00}
Consumer complaint received 2022-03-03
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-03
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. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

I have been trying to refinance with AmeriSave mortgage company and they have been awful about communication. I haven't heard back in three weeks. I've sent multiple emails and left voicemails both with my loan officer and with the customer support email/phone line. I am extremely frustrated, want to rescind my application, and want a refund.
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (CA)

2 calls today to my work office line. I do not know exactly which of my work phone numbers they dialed. One of the calls was answered by one of my coworkers. This is horrible. I do not know what debt they are calling about. I do not want them calling my company to find me. Calling my work is unprofessional and appalling. 

The phone numbers that called are the following XXXX XXXX A XXXX  search points to the following website XXXX XXXX XXXX
Consumer complaint received 2021-06-09
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: ALLY FINANCIAL INC. (NJ)

I got this accounts that are not mine : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.
Consumer complaint received 2020-01-24
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: BMW Financial Services NA, LLC (CA)

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND IN MY AMAZEMENT, THE FRAUDULENT ACCOUNT WAS REINSERTED IN MY XXXX  CREDIT FILE. I'VE DISPUTED THE BMW FINANCIAL SERVICES FRAUDULENT ACCOUNT ( ACC NO : XXXX* ) ON XX/XX/2019. XXXX, XXXX, AND XXXX  DELETED THIS ACCOUNT FROM MY CREDIT REPORTS. HOWEVER, XXXX  REINSERTED THE FRAUDULENT ACCOUNT WITHOUT NOTIFYING ME.
Consumer complaint received 2021-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I filed a complaint with the XXXX XXXX XXXX ( Complaint # XXXX XXXX in XX/XX/2020 and it is still not resolved - Navient continues to commit unfair lending and repayment practices. I have had nothing but a run-around from Navient. And now they are ruining my credit score. 
They were not sending timely monthly statements for me to pay on my student loan. 
Apparently, they assume that all people have computers and pay their bill online. My computer crashed and I was not able to purchase a new one, and requested that a paper bill be sent to me prior to the due date so I could pay it. That never happened and still hasn't. 
Instead of Navient sending a timely monthly statement, I would receive a past due statement every 2-3 months, which would include late fees assessed. Therefore, I filed the above complaint. How can I pay timely when I don't receive a timely statement? And especially when I specifically requested those timely statements to pay by? 

On XX/XX/2020, in response to my complaint, I received a letter from XXXX XXXX, Office of the Customer Advocate. She stated " your account has been set to receive correspondence via postal mail since XX/XX/2020. You may call me directly at XXXX XXXX with any questions you may have ''. She was incorrect in saying that because I was NOT receiving timely monthly statements to pay by. Therefore, I phoned her back at the phone # she provided 6 times, and left a voice mail for her to return my call each time. Nobody ever returned my call. 

On XXXX, I received another letter from XXXX XXXX, Office of the Consumer Advocate. She admitted that the previous information I received in writing from XXXX XXXX, Office of the Customer Advocate, was false by stating " I would like to provide an additional explanation ... we found that you were still enrolled in electronic billing and we confirmed you were not on coupon books. We have now updated your billing method to be sent as monthly statements via postal mail. '' ( I have copies of all of these correspondences and past due statements with late fees which I will submit at a later date ). However, even though Navient stated that, it is STILL not taking place. 

I am still receiving sporadic statements past the due date with late fees assessed. This practice must be unlawful ; it is certainly unfair. 

Currently, Navient is reporting to the Credit Bureaus that I am not paying my loan, even though they are not complying with our agreement, and what they promised to do. 

How can I pay them timely if they are not sending me timely statements? I can not. They have a scam going which ruins credit scores, and makes them extra money by assessment of late fees. 

In addition, before allowing me to go into forebearance / IDR agreement the last time I needed to, they forced me to agree to waive my Student Loan Forgiveness rights. They recorded this conversation. This does not seem to be a legal practice either.
Consumer complaint received 2020-01-24
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Bristlecone, Inc. (DC)

Going back to the choices of colleges, I never attended Any college, so I dont have Any student loans to pay back. I had to choose a school because the system wouldnt allow me to go forward. These calls for student loans are coming in at XXXX and go on All day long, not to mention home mortgage calls as well. Im getting harassed everyday all day in spite of me selecting the do not call button, they still call. They call and hang up, they call and leave messages, it just continues.
Consumer complaint received 2024-01-29
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. (NC)

I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to dispute inaccuracies on my credit report, specifically related to the reporting of XXXX and late payments on accounts with XXXX, XXXX XXXX, and XXXX XXXX XXXX, Experian has failed to provide a fair investigation and transparent explanation of the verification process, as required by the FCRA. 

Account Information Dispute - XXXX Account # XXXX I have disputed the presence of the XXXX account on my consumer report multiple times. Experian claims to have verified the accuracy of this account, yet I have not received any satisfactory response detailing the steps taken to verify its accuracy. Pursuant to the FCRA, I am entitled to a clear and comprehensive explanation of the verification process and the basis on which XXXX was reinserted on my consumer report. 

Late Payments Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I have raised concerns about the late payments posted on my accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have specifically requested information about the verification process in accordance with the FCRA. Experian has not provided any adequate response or documentation regarding the investigation into the accuracy of these late payments. 
I am seeking the following information : XXXX. XXXX Process : A detailed explanation of the verification process undertaken by Experian concerning the XXXX account and late payments on the mentioned accounts. 
XXXX. Documentation : Copies of any documents, communications, or other evidence used in the verification process for the XXXX account and late payments. 
XXXX. FCRA Compliance : Confirmation that Experian adhered to the requirements of the FCRA during the verification process and an explanation of how they ensured a fair and accurate investigation. 
I believe that Experian 's failure to provide a satisfactory response violates my rights under the FCRA, which grants consumers the right to dispute inaccuracies on their credit reports and receive a fair and transparent investigation. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I appreciate your attention to this serious matter and look forward to a resolution that upholds the rights of consumers.
Consumer complaint received 2017-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On  XXXX / XXXX /  XXXX  ,  XXXX  inquiries I did not initiate.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX  remove from my report at all   XXXX   credit bureaus.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

nothing they said they only report to th e one re porting place, I need   XXXX   XXXX   to show on all my accounts, it does on  one bu t not all the others, please
Consumer complaint received 2021-02-20
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. (MD)

I have been contacting the bureaus as XXXX to have this delete from my credit report because the debt was paid in full and it was not paid to XXXX but to the collection agency. I have sent a copy of this letter to XXXX on numerous occasions since I received the letter from the collection agency. The collection agency stated that they sent everything to XXXX once it was paid and they are still denying that they received anything. They are not trying to remove a debt that I do not owe and with it still being on my credit report as a negative mark is stopping me from being able to move on with my positive credit journey.