davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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. (NV)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2018-01-01
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: Experian Information Solutions Inc. (TX)

I have disputed XXXX through multiple sources. After much work the XXXX account was removed from my XXXX credit file. The XXXX account also needs to be removed from XXXX and experian credit files as well. The collections account for XXXX, XXXX XXXX, needs to be removed as well. If the XXXX account is not valid neither is the collections account.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax has put a Collections on my account from XXXX XXXX XXXXwhich has already been disputed and deleted before. This is clearly a reinserted account. It has been deleted for months already. They also refuse to remove any of my inquiries from my file. This has been disputed many times with FTC reports. Im still unable to take out the late charge from XXXX XXXX when it was never late and was confirmed with XXXX XXXX directly over the phone with a rep from XXXX. The three reports should be matching.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In the wake of the XXXX security breach, I set out to freeze my credit accounts. I have steadfastly been unable to do this with XXXX, either online or over the phone. Same with XXXX. I was able to successfully freeze my accounts with Transunion and XXXX. 

Furthermore, my only option for protecting my XXXX XXXX by freezing my credit involves paying the same companies money that lost my data in the first place. It 's a modern day " Say, that sure is a nice social security number you got there. Shame if something bad were to happen to it '' sort of shake-down.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

On Tuesday, XX/XX/XXXX I requested a free copy of my credit report from Experian through Experian 's website ( experian.com ). I accessed the website and made the request through a mobile device ( 5 inch screen ). I understand that, under the law, I am entitled to one free report each year from each of the credit reporting agencies. This was the first time in more than a year that I requested a free report from Experian. 

When I was at the Experian website, I clicked on a link for a purportedly " Free '' Credit Report. Experian asked that I input certain personal information through the website to verify my identity. It also asked that I input my debit card information, which I believed was also to verify my identity. 

Unbeknownst to me, however, the offer of the " Free '' credit report led me to an area of the website where Experian -- without disclosure that was readable on my mobile device -- signed me up for some sort of membership program. I did not find this out until a week later when Experian took it upon itself to charge my debit card {$21.00}. 

On Wednesday, XX/XX/XXXX I called Experian 's customer service number. I was greeted with an automated system that made it difficult to speak to a customer service representative. I cancelled my supposed membership through the automated system. The automated system then disconnected the line. I immediately called back, and, after several tries, was able to connect to a customer service representative. When I explained I wanted a refund, the customer service representative stated that he would place me on hold for a few minutes to connect me to the department that handles refunds. 

I spent over 45 minutes on hold. When the customer service representative from the refund department answered, she claimed that the website explicitly stated that my card would be charged {$21.00}. I told her that I accessed the site through a mobile device, and saw no such disclaimer ( or at least one that could be easily read ). I again asked for a refund, and further explained that I did not access any services other than my credit report ( which did come with a credit score, but I never asked for that ). She responded that she would check to see if I was eligible for a refund. After placing me on hold for a few minutes, that customer service representative returned and stated that Experian would not issue me a refund. I told her that I would then file a complaint with the appropriate agency or agencies. She did not respond. I then hung up.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

XXXX Sent payment to Vendor {$54.00} ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Contacted merchant about receiving product, thank her about the product but item wasn't as described. Received item defective. 
XXXX Reported to bank Wells Fargo XXXX filed dispute. 
XXXX Vendor messaged me to check why I filed a bank dispute since I received the product but she didn't want to resolve issue anymore since it's been 2 months but she was informed when I filed the dispute. Vendor threatened me to cancel the claim because it's not fair. She insisted on fixing the issue and stating I should quit the claim. I feel like I should have gotten at least partial refund or credit from her business, nothing was offered. The product I received had a hole and item was not wearable at all. 

It's been more than 90 days and I haven't heard from my bank about this issue.
Consumer complaint received 2017-07-13
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. (NY)

I received a credit alert from equifax that i had a credit alert. when i checked my alert my credit score had dropped aprox XXXX points and my pink credit card was listed as closed by account creditor and was listed under negative accounts. On XXXX XXXX my score was XXXX and today it dropped to XXXX. This is what was taken from my alert page : The following changes were reported for your XXXX/XXXX account : Balance Amount Changed from {$550.00} to {$570.00} Comments on your account changed from Charge, Amount in H/C column is credit limit to Account closed by credit grantor, Charge, Amount in H/C column is credit limit, Closed I just spoke with the bank and I have an available credit on the card and this card is not closed. My other issue with how they reported my XXXX XXXX card was reported to negative account when it was closed by me. not the grantor.
Consumer complaint received 2017-04-21
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (KY)

I have my internet service through XXXX XXXX. The company has been charging my American Express credit card every month but not giving me credit for the charge every month. InXX/XX/XXXX XXXX XXXX charged me {$1400.00}. The charges should have been on the order of {$700.00}. They are charging my credit cardXX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX andXX/XX/XXXXof this year as well and I have not gotten credit for any of the charges in XX/XX/XXXX
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX  XXXX Date XXXX Balance : {$550000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$4900.00}, XXXX XXXX Date XXXX Balance : {$8200.00}, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$4500.00}
Consumer complaint received 2018-02-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (VT)

My ex-wife and I have a mortgage and a HELOC through US Bank. We got divorced, and I subsequently went bankrupt. My ex-wife would like to purchase the house, but US Bank has been unwilling to send a payoff quote. She has been trying for approximately six months to get this settled, and I personally have contacted the bank at least 4 times.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

The credit report have the wrong name. address and phone number on my credit report. My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX De XXXX and phone number is XXXX. The other information is incorrect
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2022-08-10
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. (GA)

Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX and Equifax 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 2017-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I had {$5000.00} XXXX Student Loan forgiveness on XXXX process through on my Navient loan, and came to find out later that {$4900.00} of that was applied to principal and {$30.00} was applied to interest, all to the oldest student loans with the lowest interest rate. I called when I realized that and asked that it be applied to the loans with the higher interest rate and asked why {$30.00} was paid in interest and not all to the principal. The representative from Navient could not give me an answer and after repeatedly asking it be changed they hung up on me. I have called since and never been given an answer and it has never changed. I am certain I have been paying way more in interest due to this mistake then need be, and could possibly have my loan paid off by now because of the extra interest I have paid from the forgiveness amount being applied to the lower rate loan and not the higher rate loan.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries and inaccurate addresses reporting on my personal credit report. I contacted the company and asked them to remove their inaccurate information from my credit profile. I request that 3 CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate addresses on my credit report. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries inaccurate addresses as soon as possible : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2017-07-13
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. (PA)

Contacted TransUnion and advised that hard inquiries were deleted and reinserted in my file.  Told Tr ansUnion their glitch caused this problem. Told my representative it 's not his problem.
Consumer complaint received 2024-02-26
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: EQUIFAX, INC. (MO)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 



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 2021-09-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove them, 1. XXXX Date of Inquiry XX/XX/ 2. XXXX XXXX Date of Inquiry XX/XX/ 3. XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/ 4. XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/ 5. XXXX  Date of Inquiry XX/XX/ I did not consent to, or authorize nor benefit from any of the following account. Block and remove it, XXXX XXXX XXXX XXXX Balance {$100.00}
Consumer complaint received 2017-09-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I bought a recreational vehicle and financed it through Bank of America over nine years ago. I lost my job and missed payments. they would not work with me once I started working again. However, they keep re aging this account and adding to the balance. They refuse to remove it from my credit and it has been almost ten years
Consumer complaint received 2017-07-12
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. (NY)

I receive a cancellation on debt on XX/XX/XXXX, for account # XXXX, meanwhile XXXX is still reporting and colleting on this card, when by law they can not, they cancel the debt since it was froud. I contact the recovery department who is XXXX internal recovery on XX/XX/XXXX i spoke to someone by the name of XXXX ID # XXXX who told me i owed the money and it would be reporting on my credit until i paid it. I explained that i pay taxes for that debt, i asked to speck to supervisor or mananager, she told me that Managers or supervisors dont speak with Debtors.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, My husband and I have a mortgage account with Bank of America and are extremely frustrated with the mishandling of our account, below are details of our complaint : We filed for Chapter XXXX Bankruptcy protection in XX/XX/XXXX to avoid Foreclosure, this was due to the increased payment amounts. We modified our mortgage around the same time and were able to save our home. Since the modification we have made every single payment on time. My bankruptcy finally discharged on XX/XX/XXXX, once Bank of America received the discharge paperwork they immediately proceeded to Bill me for an extra payment they said is missing ; from XX/XX/XXXX. They used funds from this payment to cover administrative bankruptcy fees that were never approved by the court and a proof of claim was not valid, due to me no longer being in arrears, they retracted the proof of claim. I 've made several attempts to get them to understand this issue and make appropriate adjustments, but I receive a different answer every time. In addition to this issue, they 've also reported me late for several months during my bankruptcy, I believe this to be a direct FCRA Violation. They claim they have submitted corrections to the credit bureaus, but I have not received confirmation. Please assist me with getting the bank to comply.
Consumer complaint received 2024-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (MI)

I had two personal loans through XXXX XXXX that I have paid through automatic deduction on time for the life of the loan. I wanted to pay them both off so on XXXX I sent two checks to them, 1 in the amount of {$7900.00} and the other for {$3200.00}. Shortly after those checks were mailed, I was informed by XXXX XXXX that effective XXXXXXXX SST was going to begin servicing my account. Prior to XXXX I contacted XXXX and told them I was stopping my auto withdrawal as I was paying this off in full and they assured me I would not be charged any late fees or more interest. 
XXXX I phoned SST and they said to put stop pay on the checks. 
XXXX Hoping not to have to stop pay, I emailed SST to check the status of my account and told them I mailed the checks to XXXX and to please look into it as they were substantial amounts. They replied with, Call us. 
XXXX Confirmed the checks were not cashed and I requested they are reissued to SST. 
XXXX Checks reissued and mailed certified to SST. 
XXXX I got a call from SST asking for their money, I told her they were mailed twice. 
She said how do I know you mailed them. 
On XXXX I received a letter from SST stating my checks were returned from the bank, ( yes because I was told to stop pay on them ). 
XXXX received letter stating my accounts were delinquent. 
I pulled up my account information and it shows : XXXX received payment ( this was the payment made XXXX ) XXXX payment reversed ( because I stopped pay ) XXXX payment received ( mailed XXXX ) So now they have the payments, and they are still charging me the interest that incurred during the 2 months it took them to process the payments. I have called and explained this, and they said they will reverse the late fees and interest. However, I continue to get calls, e-mails stating I owe a balance. When the calls come in, I tell them to read the notes before they start asking for money. The do so and apologize and hang up however, no one fixes the issue and I still get calls. They come very late at night and during the day and I want them to all stop. Give me credit for my payments and the interest they allowed to accrue since they were so slow in processing payments.