davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-25
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BTS Motors, LLC (TX)

I had got a car out from my mother from XXXX and which in XXXX she was not able too work and pay on the car.. So I called too see what could be done and had told me to return the car and sign a paper and also had said that is was not going to affect my credit cause it was gon na be as a volunteer return all of the payment we 're paid.he said it was gon na be a XXXX balance on my credit so it woundnt affect me.. In which XXXX XXXX I checked my credit and it dropped stating I was 90 day late on payment ...
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I do not have a case number. I have tried to dispute the information on my Equafax but I can not sign on. The website does n't reconize me. When I try to call I hold for 15 minutes then get disconnected because " they are responding to a large amount of calls ''. I have tried to go on the website and chatting with a representitive and they just apologize and tell me to call again. My credit report does not show my bankruptcy, all depts are still being listed as charge offs.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

After reviewing my credit report, I noticed that I have a late payment being reported by XXXX XXXX Credit card XX/XX/2024. I have been a XXXX XXXX credit card holder for almost XXXX XXXX with excellent payment history. I was a victim of Domestic XXXX and I was forced to make some life changes immediately. I reached out to the company and unfortunately they were unable to help me.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (CO)

Date : XXXX Credit Bureau : Experian The lending entity XXXX XXXX made a hard inquiry into my Experian credit file which caused material damage to my credit. I never completed an application with this company, and they need to remedy this issue by correcting the error. I also feel that many others have been affected negatively by this predatory behavior and the company should be fined. i am attaching photographic nature of the misleading FAQ on the XXXX XXXX website which makes no mention of even pulling a credit report anywhere in the process. As I never completed the process the hard credit inquiry seems arbitrary and capricious in nature based on the spirit of the application, fraudulent based on the facts.
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (SC)

Dillard 's Wells Fargo, closed my account and reported to credit bureau closed unpaid. This is after I paid the account in full and communicated to them I was paying off by XX/XX/XXXX, which I was told this would be okay if not paid /payment caught up in 30 days they would close. I paid in 10 days in full. Now let me add they closed with no written warning either, with grace period of snail mail. Today XXXX. I received in the mail two letters and statement. Statement states not paid, 1st letter dated XX/XX/XXXX account is closed, letter XX/XX/XXXX if not paid by XX/XX/XXXX. account would be closed. The last letter is what was verbally communicated to me. So they do n't know what they are doing and did the opposite of what they told me. Also I paid it off and tried to use it last week to find out they closed it when I called to find out why this rude lady states to me you were delinquent and we closed it, anything else. I said why did you tell me I had until XX/XX/XXXX and closed it without notification and on the same day I paid you in full. She said I told you you were delinquent, I said why was I not notified, she said letter went to you same day we closed it. I said so no grace period, she said the letter was mailed. I hung up. This is poor business and its fraud. You are required by law to notify me of changes and give me 39 day warning
Consumer complaint received 2016-08-11
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CNG FINANCIAL CORPORATION (TX)

On XXXX XXXX 2016 number XXXX called me back to back 6 times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.
Consumer complaint received 2022-02-09
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. (FL)

XXXX mortgage unfairly reported our account as 30 days late. This was the first late charge my wife and I have EVER had in our 20 years of credit history. 
XXXX failed to notify us in a timely manner, that our payment had not been processed. By the time we learned about the late payment, XXXX had already submitted a negative report to the credit bureaus. This is not right. 

XXXX failed to provide even the most basic level of customer service. If they had simply called us to let us know there was a problem, we would have gladly wired them the money the very same day. Instead, XXXX XXXX  incompetence, and continued indifference has resulted in a significant impact to our credit scores.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been a client of XXXX XXXX XXXX for several years with an excellent on-time payment history. However, after analyzing my credit report I have noticed XXXX late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I send all payments promptly, but I'm unsure why the payments were not recorded by the due date. I tried to resolve the issue with the company but they refused to help me as a consumer I feel that my rights were violated.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered XXXX XXXX before the payment due date please provide the proof that this information was mailed out or delivered XXXX XXXX before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have XXXX XXXX to send me all the required information.
Consumer complaint received 2019-02-22
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. (CA)

XXXX XXXX XXXX has a late payment reporting in XX/XX/2019 on my credit file that is not correct and i have been trying to get them to make it right but they refuse stating that it is accurate for acct # XXXX.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have XXXX to remove these inquiries from my report.
Consumer complaint received 2017-02-07
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (TX)

I wired Wells Fargo a large sum of money to attempt to payoff a reverse mortgage on my father 's estate on XXXX/XXXX/XXXX. My bank, XXXX XXXX XXXX charged me the service fee of {$30.00} and the money hit the Wells Fargo account on XXXX/XXXX/XXXX. I left off the reference number of the reverse mortgage in the body of the wire so Wells Fargo did not initially accept it ( See case number complaint XXXX ) and the money was wired back. I wired the money back to Wells Fargo and it was accepted. My complaint that I referenced in the dispute of the case number above is that when the funds were returned, the amount was short {$45.00}. I checked with XXXX XXXX XXXX and they did not withhold any kind of fee for the return of the money. I need to account for the missing {$45.00} because these are estate funds and other heirs are involved. The contact at Wells Fargo that handled the old complaint told me all the money was wired back but clearly the entire amount did not hit my account.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Have two issues currently - I recevied a letter from Mr. Cooper that my hazard insurance is expired when it is not, it was renewed on XX/XX/2022, Mr. Cooper did not check that before sending me that letter, Mr. Cooper is just a greedy company who wants to make money out of me. 

Secondly my Mortgage relief program was approved today but the Mortgage releif administration is having problem in sending the funds to Mr. Cooper ( Please see attached ) Both these issues and concerns were raised with Mr. Cooper attorney XXXX XXXX but there is no response from her end.
Consumer complaint received 2017-02-28
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Alliant Capital Management LLC (MN)

I was contacted by Alliant Capital Management of a loan client I was told that I received a loan in amount of {$800.00} to a checking account. I do not remember signing up for this loan. 

They gave me last XXXX acct number of the checking account used and I do not own any of those accounts. Contact bank and they said I have never owned said account since being there since 2012. 

They claim that payment was taken out of said account for a couple of months and then stopped. 

They claim a email that was used is an email I own. 

Both people I spoke to were rude and yelling and totally out of control. 

Their client or the creditor has not sent any correspondence to said account mailing address on this issue or anytime after they stopped receiving payments.
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Navient Solutions, LLC. (CA)

NAVIENT is in direct violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My complaint is very simple, once I am granted a deferment on any student loan, NAVIENT automatically reports the account as 90 days late. Now how can that be without a 30 and 60 day late payment history before it. It 's because NAVIENT uses the credit reporting system illegally, using it as a means to destroy a person 's personal credit history without merit or recourse. This practice has been consistent for decades, and I will seek private counsel to file suit if necessary. My student loans are now and have been in payment deferment since I obtained them. 
NAVIENT IS VIOLATING MY FCRA AND FDCPA RIGHTS. I DEMAND A CFPB INVESTIGATION ON THIS ABUSIVE CREDIT REPORTING PRACTICE TO CEASE THIS ACTIVITY ON AMERICAN CONSUMERS!!! 
NAVIENT MUST DELETE ALL NEGATIVE CREDIT HISTORIES ON ME IMMEDIATELY AND PERMANENTLY!!!
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (UT)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, UT XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX UT XXXX
Consumer complaint received 2023-03-19
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act Convergent Accounts LAW OFFICES 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 '', " have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-03
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. (UT)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, UT XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, UT XXXX
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have noticed two unauthorize inquiries on my Transunion/XXXX Credit Report. I have reached out to the reporting companies, and it appears the issue remain unresolved.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Here are attatched of all the proof u need to dismiss my 180 days late payments on my Transunion XXXX and XXXX report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

my rent check is dated XXXX, my XXXX yr old land lord who lives XXXX, i live XXXX ... without my knowledge deposited said rent check on XXXX causing me an overdraft of {$35.00}, money i do not have ... knowing my social security check would not be deposited until XXXX, in essense i was set up to fail! upon calling WF, they offered me a {$8.00} refund. how can anyone survive when the system is so rigged for us to fail? what good is a date if it 's not honored? also i think this is perhaps the 1st time this has happened in XXXX yrs with WF ... and they treat me this way, where is common sense and customer care? very disappointed and {$35.00} poorer ... thnx WF for having your customers back
Consumer complaint received 2015-09-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (CT)

We purchased a Subaru SVX XXXX XXXX : XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX, XXXX XXXX on XXXX XXXX, 2015 in the amount of {$1500.00}. After standing in line for 4+ hrs. XXXX we were told that the title has a Lien on it from Citibank NA. After numerous calls XXXX she has since blocked our number. I called Citibank who referred me to XXXX XXXX XXXX as well as XXXX both of which of been unsuccessful.
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (TX)

In XXXX I acquired an unsecured loan from Citibank AKA CBNA Due to unforeseen reasons I was unable to pay on the loan, In XXXX Citibank opted to and wrote off the debt and sent me a XXXX cancellation of debt for the amount of XXXX I reported that year as income and paid taxes on that amount. 
Started early in XXXX. several of us have been asking Citibank to report the account as Written off and zero Balance and for more than 8 months Citi have refused to do so, I have made over XXXX calls each call lasting 20 to 60 minutes each, I been given XXXX different fax # 's to forward information and I never spoke to the same person twice and each person would give me different and wrong information. 

Our most recent request is very simple, that they remove the dispute comment at all XXXX credit reporting agencies, and they are refusing to do so I am at the 12 hour with a mortgage to close on my home and this is my only detail that is holding the closing XXXX guidelines are, that no disputes can be on my credit report, Citibank refusal to first report correctly and at minimum remove the dispute comment is holding us hostage We need immediate action brought against Citibank to do what is right and report to the XXXX credit Bureau the correct information within 24 to 48 hours