davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-08
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. (CA)

I have been told and have had my XXXX XXXX XXXX account accordingly notated, that XXXX did not report student loans delinquent to credit at 30 days, instead, they reported delinquencies at 60 days. This policy was due to their issues not being able to properly track student loan delinquencies and updates to payments in a timely manner. That being said, XXXX, out of the blue reported me two x 30 days and 1 x 60 just recently this year. I spoke to multiple representatives about this and was advised that XXXX could arbitrarily change their reporting policies at their discretion, but in order to assist me, would escalate the matter. It has been about a month now, and XXXX has not resolved any issues and now I have multiple late reportings on my credit where now XXXX is the only account I have this type of derogatory reporting issue. I have record of having made my payment for the past 6 months or so and will attach it. This company has become very difficult to work with since COVID happened and I believe that this is an attempt for XXXX to disproportionately preclude people from refinancing their loans out of XXXX by giving them this unwarranted and illegal black mark on their credit.
Consumer complaint received 2021-02-04
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

I am writing to address the recent communication regarding the collection of a debt that has previously been reported as identity theft and subsequently deleted. It has come to my attention that you have sent a letter threatening to garnish my payments. 

I must assert that this debt is not valid, as it was determined to be a result of identity theft and has been deleted from my records accordingly on XX/XX/2022. Any attempt to collect on this debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and my rights as a consumer under the law. 

Furthermore, under 2C:21-17a of New Jersey state law , it is illegal to knowingly attempt to collect a debt that was incurred as a result of identity theft. This statute provides clear legal protection for consumers in situations such as mine.

I demand that you comply with the FDCPA, the Fair Credit Reporting Act ( FCRA ), and New Jersey state law by ceasing all collection activities related to this debt and confirming its deletion from your records within [ specify a reasonable timeframe, e.g., 10 business days ] of receipt of this email. 

Failure to comply with these laws, including 2C:21-17a, will result in legal action being taken against your agency. Any further communication or action from your agency regarding this debt will be scrutinized for compliance with these laws.

Please acknowledge receipt of this email and confirm your compliance with my demands within the specified timeframe.
Consumer complaint received 2018-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

I had my Wells Fargo debit card stolen. I contacted Wells Fargo and filed a claim. I was questioned who, what, where, when and how. I gave them a full description of what happened. I closed the card and was going to be issued a new debit card. I then received a letter basically stating my claim was not valid and that I owe the amount of {$XXXX}. This amount was not nearly what I had available in my bank account. I then requested that the claim be reviewed again and did not hear back from them until I received a bill from a 3rd party collector on XX/XX/XXXX. I sent a validation letter on XX/XX/XXXX and to date, I have not heard back. I have never received statements on how they came up with the amount.
Consumer complaint received 2017-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OH)

Previous CFPB # XXXX AES sent a letter that stated that the late pays would be removed from my account. I have been receiving credit agency emails stating that my account has been corrected. After contacting the agencies they state balance has been updated and late fees removed but XXXX late pay in XXXX is still showing on report. I 'm in the process of obtaining a XXXX loan on my home and this is causing an issue with the rate due to damage to my XXXX XXXX. 

I 'm confused on why the reporting agencies are permitted to add derogatory info to accounts without first alerting the consumer? It took them XXXX day to ruin my perfect credit and its going to take XXXX days to repair after fighting with AES for XXXX months. 

Can this dispute also be sent to all XXXX credit report agencies? I will gladly complete XXXX more disputes is this is what it takes for them to correct this issue. 

Thank you so much!!!
Consumer complaint received 2021-11-01
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: LEXISNEXIS (TN)

I have sent 2 dispute letters over to Lexis Nexis to have them remove a bankruptcy from my report and they have not responded and have completely ignored my request to do so.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (FL)

The account was originally with XXXX XXXX XXXX # XXXX then it was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX with a balance of XXXX, i disputed in XXXX then it says it was deleted on XX/XX/XXXX but its still showing as a open account I just need this to be deleted from my credit report. Account # XXXX
Consumer complaint received 2016-01-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America called my place of employment and left a message with a coworker for me to call the number on the back of my card. The perception that I was past due was clearly communicated with my coworker. I called Bank of America on XXXX/XXXX/16 and was told that this was not their standard procedure, but after they reviewed the recording and verified the conversation and they did tell my coworkers to call the number on the back of my card, they called me on XXXX/XXXX/16 and said they found no issue with their employee telling my coworkers to call the number on the back of my card. I feel the perception that I owed them money with this message is a problem and leaving a number to call me back on would have been a better alternative. I do believe they have committed a UDAP and I would like their policy changed to protect other consumers.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I was charged a late fee if {$29.00} because my payment was paid on the due date of XX/XX/23 but after XXXX XXXX  XXXX. The company Citi shop your way card said this payment is considered late even though it was paid on its due date. I had another late fee reversed as well because of this same situation. The company said I was only allowed 1 fee reversal per year. 
My statement says my payment is due on its due date, but I dont see anything about XXXX XXXX XXXX.
Consumer complaint received 2020-10-20
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. (OH)

XXXX XXXX & XXXX XXXX  HAVE BEEN DISCHARGED IN BANKRUPTCY AND NEED TO BE REMOVED FROM MY CREDIT REPORT
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

On XXXX/XXXX/XXXX I paid XXXX, via USAA certified check, {$1300.00} to close my automobile loan account # XXXX. On XXXX/XXXX/XXXX, a recurring withdrawal in the amount of {$240.00} was debited from my account and posted to my 'closed ' XXXX account. On XXXX/XXXX/XXXX, USAA credited my checking account {$240.00}, pending investigation. On XXXX/XXXX/XXXX, USAA reversed the credit to my checking account. When I inquired I was told by a USAA customer service representative that a representative from XXXX confirmed the charge as valid. Since, XXXX/XXXX/XXXX, I 've spent hours on the phone with USAA and XXXX to correct this situation to no avail.
Consumer complaint received 2018-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I have been fighting with EQUIFAX for quite sometime in regaurds to several fraud accounts that were once removed but have since been re-reported. I have sent in police reports aswell as valid notarized ID THEFT AFFDIVT AND FTC complaints and SUPPORTTING DOCUMENTS proving my ID THEFT and fraud. Equifax will not remove and are block anything even though they did in the past. updated documents have been sent in!!!
Consumer complaint received 2024-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

I have never had an issue with paying my loans before they transferred to this company. Since I've been with Nelnet my credit score has gone down significantly due to being marked as " late payments '' even though my payments were not late. My bank account information was all correct beginning in XX/XX/XXXX, I have tried to resolve the issue of them not being able to get payment from my bank. From XX/XX/XXXX- XX/XX/XXXX none of my payments that I submitted where accepted. Between talking to nelnet and my bank ( XXXX XXXX XXXX XXXX ), nelnet had never requested a payment from them. Then they decided to charge me late fees on top of my regular payments. I've paid well over {$100.00} in late fees with my regular charges. I do not know what is going on with this company but something isn't right. Checking reviews from the XXXX XXXX XXXX XXXX, etc I'm not the only one this has happened to. I've worked hard for my money, I've served this country honorably, this is an absolute shame to even have to deal with this. Even today making a payment on my loans they will not take the payment out until Monday XX/XX/XXXX. How can I go into a store and purchase an item and the payment be taken the same day but yet my loan company can't do the same. Now I'm being charged another late fee, that I will again pay and again my credit will be affected.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 2022-09-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX  XXXX : {$0.00} XXXX  XXXXBalance : {$74.00}
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

When Suntrust merged with Truist, I expected a new debit card. In mid XX/XX/2022, I received a call from Truist asking me to contact the support team about a potentially fraudulent charge on my debit card. I confirmed the charge wasn't mine. Of course, my current debit card was then frozen. It took two trips to the local branch and spending multiple hours to obtain a temporary card. Meanwhile, my new permanent card has never arrived. I was told it was mailed XX/XX/XXXX. It is now XX/XX/XXXX. On XX/XX/2022, I receive a post card from Truist stating my PIN had been changed and it reported the new number. The card stated that if I did not request the new PIN to contact Truist at XXXX Whenever I call, I am placed on hold for hours at a time. I can not call them and do my work also. I can find no place to contact Truist to request a new debit card be sent to me. I can't take time during the day to go to my local branch due to my job responsibilities. All I want is my new debit card and to confirm that I never requested this new PIN and to make sure the PIN given is not associated with my account in any way.
Consumer complaint received 2018-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have written at least 15 CFPB complaints about the Servicing Mortgage Company, and no action has been taken. I received a Certified Letter dated, XX/XX/2018, from XXXX XXXX XXXX XXXX, XXXX XXXX, Assistant Vice President informing me that a copy of my complaint has been forwarded to SPS Inc., and that SPS will provide me with a separate response. 

This issue was elevated by me to XXXX XXXX XXXX XXXX, XXXX, after numerous written attempts directly to Select Portfolio Servicing., Inc. , ( SPS ), for them to provide me with written proof of Real Estate documents, reflecting the Sale/Transfer of the property from XXXX  XXXX XXXX , as the XXXX County Georgia Superior Court records only show XXXX  XXXX as the owner. 

According to 15 U.S. Code 1692g - Validation of Debts, this is the Federal Law, and SPS is not complying with the law by not providing me with that inmformation.
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

CitiGroup is unfairly and possibly illegally and unconstitutionally using its market power to prevent new merchants from opening merchant accounts or from accepting Citi-brand credit card products to sell firearms to customer between the ages of XXXX  and XXXX in states and jurisdictions where the purchase of certain firearms by customers in this age group is allowed by law and protected by the 2nd Amendment.

Citi has publicly announced this new policy on XX/XX/18 and has received wide coverage in the media.
Consumer complaint received 2017-03-21
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CAINE & WEINER COMPANY, INC. (TX)

I received a Collection notice from XXXX. I got insurance back in XXXX, however I decided not to keep the insurance. In the process of this. I got a letter stated that I need to send back a item that I was not aware of. I believe it 's a divine that goes in the vehicle. However I never received it and XXXX can also see that I never even activated this device. I emailed letting them know I do n't have the device they claim I owe them money for it. I 'm comfused. How can they make me pay for something I did n't receive. No tracking number or number. Nothing to prove hat I receive it, I 'm assuming that they are he only ones who can be right in situation. It 's not far that they torture me and also send me to collection for something I do n't have nor can they prove it. Items get lost in the mail or stolen all the time. I 'm the victim and they are threatening to send me to collection and affect my credit reporXXXX dollars. It 's not far and I need to seek justice for this. This company is manipulating and billing me into something I do t have. Is it because I decided to go with another insurance .Its not far and I feel so upset and afraid what trey are trying to do to me. I would have preferdnif we went to court and I know they would have had to prove tahat I received and and use the device. I did n't and please help me in this situation. I 'm going to call the police department also and file a harassing and frivolous in this company and also companies involved
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file. 
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately
Consumer complaint received 2019-03-04
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. (NC)

I sent investigation requests to the 3 credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not. They have even ignored the follow-up letters I mailed last week.
Consumer complaint received 2017-08-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OR)

From XX/XX/XXXX to XX/XX/XXXX I i made my mortgage payment of {$1100.00} principal interest and insurance and taxes to freedom mortgage. Beginning XX/XX/XXXX to XX/XX/XXXX they accepted my payments as partial payments then would not apply it to my account. When I asked why I had a late fee they told me they did n't accept partial payments. What happened was my escrow account had increased due to increased taxes of which I did n't realize that had happened. I feel that is wrong not to accept my payment then not return it and still charge me a late fee
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-03-04
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. (NC)

I sent investigation requests to the 3 credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not. They have even ignored the follow-up letters I mailed last week.
Consumer complaint received 2017-10-24
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. (GA)

In XXXX 2014 there was several accounts started in my name without my consent. one was with Ally Financial {$10000.00} second with XXXX XXXX {$29000.00} third with XXXX {$12000.00} and XXXX  XXXX XXXX {$11000.00}
Consumer complaint received 2019-05-07
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AT YOUR EARLIEST CONVENIENCE.