davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
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)

My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. Experian I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KS)

Where do I begin. The credit bureaus service no purpose. They are created to destroy peoples lives and there is nothing we can do about it unless someone in power takes a stand an abolish all three of the companies. Since the pandemic, my XXXX XXXX and personal life has been affected due to the Covid-19 and the credit bureaus are making the matter worse. I reported with all my credits my financial situation and how my XXXX XXXX  has shutdown due to this crisis. The government has instructed the credit bureaus to not report consumers late on their credit report and they have disregard that request and my credit has dropped 250 points. I now have poor credit and I can't do anything to reverse this. I've made numerous disputes and the credit agencies keep saying it's under reinvestigation. Please hear me scream at the top of my lungs. How can these worthless folks still have jobs and they have ruined the lives of millions of people. I know I'm not the only one affected by this inhumane behavior. 

Due to the agencies reporting my creditors as late, many of my accounts were closed, the credit limit was reduced and my credit is messed up. Due to the incorrect reporting on my SSN, I was denied for both the PPP and EIDL government loan for my XXXX XXXX. The lender refuses to reconsider due to my poor credit. This undue hardship to my life is devastating. My XXXX XXXX is in limbo and my personal life is no more. I need someone to take this complaint serious and help me. I don't know what else to do. These agencies need to be held accountable for their bad practices.
Consumer complaint received 2020-04-28
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. (TN)

XXXX XXXX had opened four credit cards since XXXX for XXXX XXXX XXXX and my company had financial problems since XX/XX/XXXX and then came in the tornado flooding my rental property. 
THEN cAME IN COVID -19 epidemic and we had a stay at home order by the city and asked to shut down our operations. 
I have a payment on XX/XX/XXXX and in XXXX they put it on my personal credit where as these were my business accounts- XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In equifax current Credit report # XXXX summary shows 3 accounts with negative information, however after reviewing the 105 page report, I can not find anything that is considered " negative ''. What I did note was a missed payment on account XXXX which was closed and payed. There are NO designators to show a negative designation. 
My opinion and concern is that creditors are mislead by the summary of 3 negative information, and make their decision based on the Summary, since I don't believe lenders will review the data. 
In Credit report # XXXX ( wife ) it shows in the summary 1 account with Negative information, review of the 52 page report # XXXX incorrectly/improperly and erroneously reported in payment history. The designator is incorrect showing payments for XX/XX/XXXX and XX/XX/XXXX, when NO such payment was ever made. As a matter of fact XXXX XXXX XXXX has reported that there was NO payments due from XX/XX/XXXX to date. The payment history in report shows payment from XX/XX/XXXX to XX/XX/XXXX. 
The improper reporting, the lack of promp update of the file, coupled with ONLY a summary that is incorrect and does NOT reflect the TRUE status resulted in XXXX XXXX action of reducing available credit from XXXX to XXXX and possible other unknown lenders misconception leading to denials of credit
Consumer complaint received 2021-02-27
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. (AR)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 15. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 20. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 21. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 22. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 24. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 25. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 26. XXXX XXXX A on XX/XX/XXXX ( Reported Identity Theft ) 27. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 28. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 29. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 30. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2018-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

I opened a Home Depot Credit Card thru Citi Bank inXX/XX/XXXX. I have only used this card once for a {$32.00} purchase. I had never received a statement or email about the account balance but did go on line in XX/XX/XXXXand pay the full amount due off. At the time I believed the payment had been made and I had a XXXX balance on the account. It seems that they had never collected the payment which I did not realize. I never received a statement from them and in XX/XX/XXXX I received an email saying the payment had never been made and that I now had a balance of {$130.00}. which included interest and late fees of 3 times the original purchase. I immediately called Citi Bank to discuss this issue and was treated very badly by several of their representatives. I was also asked if I would like them to take the money owed from my checking account that they already had that information in their records. Which proves that I did make the payment in XX/XX/XXXX or they would not have had that information. It was not my fault that they did not collect the money from my account. After discussing this they finally did remove one late fee and I made a payment of {$53.00} to bring the account current leaving what should have been a balance on the account of around {$42.00}. I received a statement finally in XX/XX/XXXX and they had added another late fee ( even thou we had discussed the amount owned and I had paid what they requested ) to the account bring the total owed of {$80.00}. I feel that I have been over charged in fees I have paid the original purchase off and now am being charged late fees on late fees. This seems to be a rip off in my opinion and Citi Bank is over charging consumers and has unfair billing practices. I will pay the {$42.00} on top of the payment I already made of {$53.00} because I can not prove that the payment was not originally made but am very upset over the additional XX/XX/XXXX late fee charge. In total I will have paid {$95.00} for a small charge of {$32.00} and will still owe an additional late fee of {$35.00}. Which I am sure next month I will receive another {$35.00} fee on top of that late fee charge. This has also affected my credit report.
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (AZ)

I reviewed my credit report on XX/XX/22 and noticed there were some recently added derogatory accounts from collections agencies and I believe this is a result of identity theft or fraud and these collections are not mine. XXXX XXXX XXXX for {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX for Receivables performance {$1000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX wa XXXX. 
Froze reports for XXXX, XXXX and XXXX XX/XX/22 and disputed with each credit reporting agency.
Consumer complaint received 2022-12-17
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, has 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 2020-07-15
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

I request assistance due to the COVID-19 pandemic from Carrington Mortgage Services on XXXX XXXX. I was approved for a 90 day forbearance and was given notice of by email on XXXX XXXX. When I called to discuss the terms of what it would be on XXXX XXXX, as in a deferment, balloon note or spread out over " X '' number months, I was told it would be determined in 90 days. The company would not give any determination of it until the 90 days was over. You could apply for the deferment just before the 90 days ended but if disapproved you were stuck with one of the other two options which you would not know which until the 90 days ended. The lady on the phone even questioned why I was asking for it since my house note was not behind. This company bought the mortgage from XXXX. How can someone determine if this will help them if you don't know the plan until you went 90 days without paying the note then you are left to whatever they decide. You can't make a decision base on hopes. Then to question why I asking for help before I'm behind.
Consumer complaint received 2020-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Hello on XX/XX/2020 I used the XXXX Feature within my Wells Fargo bank application to transfer money to a person who I had agreed-upon for purchase of a product. Upon me sending the money to the person I was then blocked and I have not been able to contact them since. I have reached out to Wells Fargo and XXXX and both are unable and unwilling to help me further with investigating or trying to get my money back. I have the persons personal information and text messages and Ive tried to submit a report with the police department in my local office.Any further information you are requiring from me I will be more than happy to provide. Please help
Consumer complaint received 2024-01-30
Product: Credit reporting 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. (NJ)

Please remove hard inquiries 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 XXXXXXXX
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (MA)

I changed my name, decreed by the XXXXXXXX XXXX family and probate court XX/XX/2022. 
\ I have since contacted Wells Fargo on no fewer than four dates from XX/XX/2022 to XX/XX/2022 about updating my name. Ultimately, my name on my credit card has been updated, but my online account and credit report still report to the former name. 
\ Wells Fargo initially insisted I must go to a branch in person to perform this action. Then they changed their mind and promised a mailed form, which I was to fill out and mail back to them. After a month it hadn't shown up. I called them back and they said wait for it to show up, they had definitely absolutely shipped it for real. It took another phone call to request another copy be mailed before it actually showed up ( still >1 week later ). 
\ After that it took them about a month to process my credit card file update. I might have had to reach out to them for a new credit card, I can't recall. 
\ To date they have still failed to update my online profile. I called them today to update this, and they again insisted I go into a branch. There aren't any branches in my state. 
\ I am calling them once more on Monday, and if they don't present a pathway to actually solving the problem I plan to close my account after balances are settled. 
\ There is no online contact for customer support on their website. There is no email address. This could have been an email process, and everyone would have spent far less time and resources on this.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Accounts Management, Inc (SD)

They contacted my work on my day off, XX/XX/2018 in an attempt to collect an old medical debt from XXXXXXXX XXXX XXXX out of XXXX XXXX SD. They posed as someone that needed to get ahold of me and left a message with my supervisor at the XXXX South Dakota XXXX front desk ( XXXX ). They provided there number ( XXXX ) and a name XXXX and told my supervisor to call as soon as I could. I do not know how they got where I work since I do not post it anywhere online. My employer does not approve of solitication per company policy and do not approve of them calling. I called to tell them and they claimed they didnt even know where I work and that they didnt have a number after harrassing me for my social security number and other personal information. Im very distraught over the way they somehow figured out my employer, called them, and then obviously lied to me when I contacted them about it. I would also want to make sure they do not call my other employer XXXX XXXX in XXXX, SD ( XXXX ). They are Accounts Management Inc out of XXXX XXXX SD.
Consumer complaint received 2022-09-10
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. (MD)

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has 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. Equifax states this debt has been validated, but in 2019 Equifax also validated that this debt did not belong to me case confirmation # XXXX A summary of the results are listed below : Trade XXXX XXXX XXXX XXXXXXXX ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, SCHEDULED PAYMENT, ADDITIONAL INFORMATION.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-09-13
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. (TX)

I previous sent out dispute letters for these following accounts XXXX XXXXXXXX XXXX, XXXX XXXX , XXXXXXXX XXXX , and XXXX giving each Bureau 30 days to verify these accounts that are inaccurate. They failed to positively verify these accounts and since complaints where made they decided to update my information which is not complying with the FCRA laws that states they must verify or delete. According to section 617 civil liability for negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. I ask this be removed or I will seek Litigation.
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX Balance : {$1500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XXXX XXXX Balance : {$0.00} - This account shows a lot of violations. Balance is incorrect and payment history is inaccurate. Delinquencies reported after the account was closed. These are all violations please REMOVE this. 

XX/XX/XXXXXXXX Balance : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account.
Consumer complaint received 2022-09-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2020-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I.C systems sent me a notice regarding a XXXX  bill which I am not financially responsible for. 
I sent a letter requesting for billing information showing that the bill is mine. 
I.C systems never sent the letter. 
Instead I.C systems fraudulently placed a collection on my credit reports in violation of fcra laws.
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (MN)

I am XXXX XXXX XXXX and have been out of school for upwards of 10 years. I have experienced 2 student loan services through education process, approximately half of my student debt was serviced by the XXXX  ( XXXX  XXXX loan ) which appears to have used consistent reasonable loan practices and has ultimately resulted in consistent balance repayment. For background when I concluded my education my student debt broke down as follows : XXXX XXXX XXXX Loans Total Borrowed : {$39000.00} Current Federal Loan balance ( Recently Transferred from XXXX to Aidvantage ) : XXXX XXXX  SELF Loan Total Borrowed : {$32000.00} Current XXXX Balance : {$17000.00} Out of a total of 140 loan payments to XXXX, 30 payments totaling {$530.00} have been credited towards my principal. 

I have had generally higher payments with XXXX over my entire loan lifetime and given that I am one person solely making payments on these loans my financial situation has obviously been the same through the loan period. It seems pretty unreasonable that with 2 similar student loan servicers, servicing one person over the same time period ; with one provider regular payments are resulting in debt going down over time and another provider ( Which has been the target of multiple unfair practices complaints ) has resulted in the loan balance dramatically increasing over the lifetime of the loan. 

I feel that XXXX used unfair tactics to steer me into loan deferment and other repayment options that ultimately led me to accrue additional interest than necessary and making loan principal payments nearly impossible. In general, during times of financial hardship I had multiple contact points with XXXX via phone call, text and email that ultimately lead me into excessively costly short-term/temporary financial relief instead of affordable, long term repayment options that would have made financial sense. 

The financial hardship XXXX put me through not only negatively impacted my credit score, it was seemingly impossible to remove my cosigner from the loans thus missed payments also created negative impact on my fathers credit. 

My loan situation feels almost entirely consistent with the CFPB Lawsuit against XXXX. 

https : XXXX