davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my third attempt to remove a debt collection reported on my TransUnion credit report. The debt does not belong to me. Documents show the person lives in another state, has a different birthday, as well as a different social security number than mine. Furthermore, I have never banked or used the services from the listed company. 

Reported by TransUnion ( last compliant filed on XX/XX/XXXX ) Debt company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX Again, I am requesting for a brief statement of this dispute, to re-investigate the records, and for the debt to be removed completely from all my credit reports and any other documents which may include this false information.
Consumer complaint received 2018-09-22
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. (SC)

XXXXXXXX XXXX has chosen this portal to intimidate me for their inability to provide a contract bearing my signature obligating me to pay the charge offs they are reporting on my CRs. Instead XXXX XXXX sends me receipts and checks WITHOUT my signature verifying the account. Against the law. XXXXXXXX XXXX did not indicate Dispute on my CRs 30 days after the original dispute letter dated XX/XX/2018. Violating FCRA. I am requesting that you enforce XXXXXXXX XXXX Experian and XXXX and XXXX to investigate and report in accordance to the guidelines of the FCRA.
Consumer complaint received 2019-11-05
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. (FL)

I was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from my credit report.
Consumer complaint received 2018-09-23
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. (TX)

XXXX XXXX has been inaccurately reporting my automobile account for several months now. The account is in collections/charge off and being reported as a repossession. The vehicle was never repossession even though payments stopped in XX/XX/XXXX. The company informed me that They " pass, '' on the vehicle as of XX/XX/XXXX, which basically means that they won't be picking it up and don't want it back. Since XX/XX/XXXX XXXX XXXX has been consistently reporting an incorrect charge off amount that changes and fluctuates every month. Some months it even decreases even though no payments are being made and there is no activity on the account. Each month they have also been reporting the account as newly closed, usually reporting its closed date as the day the update to the account is submitted to credit bureaus. I have past copies of my credit report showing that the date the account closed has changed several times to make the account appear as a new delinquency preventing my credit score and credit file from improving. It has recently been reported as closed in XXXX and then closed again in XXXX. XXXX and Equifax are both aware of the multiple inaccuracies which violate several policies that would require them to remove the account from my report but have failed to due anything to correct my credit file even after monthly disputes and several phone calls from me regarding the situation. XXXX and Equifax continue to ignore these inaccuracies even though they continue to see and report these fluctuations in my balance and account closed dates that change almost monthly regardless of the many disputes I have submitted as well as disputes by XXXX XXXX whom I have contracted with to assist me to do the job of the credit bureaus. I would like this account removed immediately from my credit file as it should have been months ago. I do not feel that Credit Acceptance is capable of discontinuing inaccurate reporting as there have been over 1,000, 000 complaints of the same nature filed against them with the XXXX   and the CFPB. If this file is not removed in a quickly and timely manner, in hopes to reverse the damage done to my credit file and financial well being, I will being a lawsuit against XXXX, Equifax, and XXXX XXXX.
Consumer complaint received 2018-09-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (CA)

This company baited and switched. The primary reasons i opted to go with Earnest was the ability to make biweekly payments. They sent out an email ladt week eliminating this option. Now i will pay more money, out of my own pocket. At least grandfather current customers into biweekly payments and change for customers going forward - that is the responsible, stand up thing to do.
Consumer complaint received 2020-07-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (FL)

To Whom It may Concern, Hello my name is XXXX XXXX and my car finance company Flagship credit acceptance is giving me nothing but problems. Due to Covid-19 I am unable to pay the full amount of my car payment as I am on furlough from my job. So when this all happened I asked them to pushed my payments back. They did that for XXXX payment. So XXXX came around and I talked to an agent name XXXX and she said we can't push anymore payments back you need to pay. I said I can't pay XXXX dollars a month right now and neither can my husband. Not to mention they charge a processing fee. But XXXX said I can do something that you don't have to pay for like 6 months. She took all my information down and submitted that. And that was on XX/XX/XXXX. She asked what I could afford and i told her between $ XXXX a month. She said ok thats fine. Fast forward to XX/XX/2020, I get another phone call from XXXX she is at the head quarters in XXXX, Pa and stated we need more information for this trip loan is what they called it. I said ok and I gave her all the information. She put this information in again. So on XX/XX/2020 I called and a agent answered said that she needed to look at the notes on the account. Im waiitng for her to answer. She is popping her gum, kids in the background screaming. She puts me on hold and next thing I know I am getting another agent on the line. I got XXXX and he straight up told me " You were lied too '' meaning that there was no trip loan. Well I wasn't happy customer. I started recording them. Because I feel that this company is ripping people off and they aren't very consistent with everything. So XXXX had transferred me to XXXX who was a manager and he said that he could extend another payment for XXXX. I said ok thats fine and I paid XXXX 's amount that was owed. However I felt like I am being scammed. No one wants to refinance my car. They said they can't refinance the car which I know they can.
Consumer complaint received 2023-02-22
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (NM)

This is a private student loan debt that I obtained in XXXX from Sallie Mae, I couldn't afford to pay it, I filed for bankruptcy in XXXX including this debt was sold to a third party, XXXX XXXX XXXX, who continues to call, leaving a voicemail and threatening further action. I haven't responded nor attempted to return the calls, I haven't had any communication with Sallie Mae or the Third Party since XXXX. This debt was included in the bankruptcy and is past the statute of limitations for Private Student Loan debt in New Mexico. The debt isn't included on my credit report, but the Third Party keeps threatening further action.
Consumer complaint received 2019-11-05
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. (FL)

I was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from my credit report.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter addressed to the XXXX, XXXX and TransUnion Credit Bureaus requesting to conduct an investigation and correct the information being reported. The XXXX, XXXX and TransUnion credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$870.00}.
Consumer complaint received 2020-07-09
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: Experian Information Solutions Inc. (GA)

This complaint comes forth, as I have notreceived a response in regards to my dispute that did not line up with the documentation I have provided. Please acknowledge that I AM IN FACT THE INDIVIDUAL that is disputing this fraudulent information listed on my credit report. I have provided more than enough documentation supporting the disputed information caused by identity theft. Please comply to the FAIR CREDIT REPORTING ACT 605 ( B ), which states that any fraudulent or inaccurate information resulting from identity theft must be blocked from the consumers file. These are the fraudulent accounts that are showing towards my personal credit profile : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-09
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. (CA)

I was at XXXXXXXX XXXX XXXX today XX/XX/20 trying to buy my wife a necklace but I was denied from financing ; I was confused as to why I was not approved since I have always made it a priority to maintain good credit history. I looked through my credit report and I saw a few accounts that are not mine. The accounts are from XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have never opened any account with these companies and I did not allow anyone to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from these accounts such as money, goods, services or anything else and I never made any payments to these accounts. I am still trying to figure out who these accounts belong to but I have already filed a police report. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (TX)

American Express XXXX XXXX I have asked for help with this account multiple times. 

I AM NOT GOING TO CALL ON THE PHONE BECAUSE IT DIGRESSES INTO A YELLING MATCH. NO MORE PHONE CALLS. YOU ARE NOT PERMITTED CONTACT ME BY PHONE AGAIN. EVER! 

You actually did help for one whole month. Gosh how nice of you. 

You have refused to give me a break and an opportunity to pick up payments, my social security was delayed while changing banks. I told you this in a previous message. Again you chose to ignore me. 

I wonder if you are up on current events. Have you noticed that according to the medical community we are in the midst of a PANDEMIC of COVID-19. 

I'm just curious because you apparently have ignored that fact and the overall public reaction to the Pandemic is quite severe. The result is that my income has dropped drastically. Thus I am having trouble making payments just as I had told you in prior messages. You would find it much easier to communicate with me if you used email. Novel concept but required at this point. 

Im just curious since when I asked for help for a couple of months you acted like I was nuts and your response was to lie to me and then charge me more interest and penalties. As much as you possibly could actually. I assume it is the max you can charge because you have chosen that route ever single time. 

You me a message stating that you had received a cease and desist request via CFBP. 
In spite of that I continues to get calls from blocked numbers. 

I said I would pay you but you seem to think that is not an option, that you want it all now. And a minimum payment of over {$1000.00} is completely insane. 

Your response to a cease and desist request resulted in you turning over the file to XXXX XXXX Attorney. So now instead of you harassing me directly I get harassed by him. Countless phone calls from unknown people. 

Do you think that demanding payment in full immediately magically makes my income increase during a pandemic which is the cause of my economic situation in the first place? Im curious because that seems to be your position. You are rude beyond description and obviously not interested in helping anyone but yourselves. 

What you have managed to do is create a large amount of anger. Congratulations.
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

XX/XX/XXXX Consumer Financial Protection Bureau RE : RESIDENTIAL HOME LOAN # XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Dear Customer Assistance : This letter is to inform you of unscrupulous and unlawful practices I have against my lender : XXXX XXXX whereby Lakeview Loan Servicing is the subservicer. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. 

I have two major complaints. Firstly, when I first got the loan, I was told I could make partial payments which I took advantage of during XX/XX/XXXX. Later, I found that this is NOT the case. They do not allow it. Furthermore, I would like you to investigate why they use a usury practice that would seem to be illegalthe fact that they charge {$50.00} a day if the payment has not arrived directly on the first of each month. This is how this company behaves DURING A PANDEMIC!!!! I would have NEVER accepted this loan had I known beforehand that this a lending practice they operate under. This business practice should be scrutinized by your agency!!!! 

Secondly, knowing that they charge {$50.00} a day after the first, I have to wonder why they delayed processing my payment that was delivered early so it would be processed by the first of XXXX. I sent it on XX/XX/XXXX and it was deposited on XX/XX/XXXX!! It was scheduled to arrive on XX/XX/XXXX, a Friday, according to the post office ( priority mail ). Then in XXXX, I mailed my payment on XX/XX/XXXX ( priority 2 day mail ) and it was deposited on XX/XX/XXXX. So why did it take the XXXX payment 7 full days of {$350.00} extra dollars that they charged to my account? 

This is a scam in my opinion. I would like to depart from this loan as it is in no ones interest to contribute anything to XXXX XXXX. Please be advised that this activity should be stopped. 

Let me know if there is anything more you need from me. I am attaching my postal receipts to show the timelines. By the way, I lost my job in XXXX and I am still unemployed. I missed my XXXX payment. I was told due to my circumstances, I could get a Forbearance agreement, which I applied for through their phone system. This month they informed me by phone that my agreement was over at the end of this month ( while the pandemic is still in effect and Shelter in Place is still valid in California ). This what they said after I previously went through their phone system and got approval for an extension for six months. They DO NOT follow their own rules!!! 

I believe I should be compensated by the loan company for these brazen banking irregularities. Please send me your judgment about this problem I am having with this bank. I would like the six months from now to catch up on my delinquent one month arrears. 

XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2020-07-09
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is reporting that I paid my credit card with them late for the month of XXXX and XXXX of XXXX, but it was never late. I had mailed my credit card payments for these two months to the address that I was provided by the representative at the Wells Fargo Call centre and I took the address done exactly as it was provided to me. I sent both payments for the month of XXXX and XXXX out timely and I never received my payments returned to me. I also never received any phone calls from Wells Fargo letting me know that they did not receive my payment. I only became aware they did not receive or cash my payment when I got a notification from my credit bureau that Wells Fargo had reported me as having paid my account late ( 2 ) months in a row. As soon as I became aware of this I contacted Wells Fargo and explained the situation, and immediately began making payments by phone. I explained to a manager of the call centre exactly what had happened and that I had mailed the payments to the address that I was provided by the associate that I had spoken with and that I had not received the payments back. 

The manager told me that she understood the situation and that she would remove the late markers from my credit report and she realized that it was an honest mistake and that it was not an intentionally done on Wells Fargo 's side and that it was not intentionally done on my part. I was fine with this and I was happy that they understood and was grateful for their assistance. The problem is that they never did remove the late markers and for the past 9 months I have continued to pay my credit card on time, but Wells Fargo still has not done as they promised me they would do and remove the late markers for the month of XXXX and XXXX of XXXX I have called many times since this promise was made to me and I have continued to be told this would happen and that they apologized and to give them 30 to 60 days, but it has now been nearly a year and this still has not happened. 

I was so happy that Wells Fargo was so understanding at one time but then refused to honor the resolution they had agreed to with me.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

( XXXX ) made a XXXX transfer for {$200.00} from my US Bank account to XXXX. After submitting it, I realized that there's a misspelling. I did another transfer for {$200.00} and canceled the other one. My XXXX account only received {$200.00} but both transfer was taken out of my US Bank account. 
( XXXX ) Last XX/XX/XXXX, my friend sent me {$60.00} thru XXXX. When I was balancing my checking account, the {$60.00} was processed as debit, instead of crediting my account. Few days after I filed the dispute, both of my claim was denied and no reason or explanation why. I worked for 2 different banks for 25 years so I am very concern about the issues. US Bank owes me a total of {$320.00} ( {$200.00} transfer and {$120.00} that is supposed to be a deposit but processed as withdrawal.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NY)

What a horrible bank experience I applied for XXXX credit cards bilt and another one and they approved me for my bilt sent it to me by mail and then their fraud dept calls me telling me they are restricting my account because they made a mistake to approve me after sending me my card this makes no sense what bank does this and tells the customer this I cant use XXXX XXXXXXXX XXXX  after I was approved this isnt fair they want me to visit a branch to show Id Ive never been treated like this and my fraud alert I have on mt credit report was verified before approving my credit card application the fraud rep did not let me even let me speak said XXXX account was restricted until I completed verification but I already did they send me a text with a passcode before approving me for {$2500.00} this makes no sense how they cant see that and can get away with this such a frustrating experience
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (MD)

As recognized consumer reporting agencies, both XXXX and XXXX, and myself as the consumer, possess the right to safeguard personal information, as emphasized by 15 USC 6801, outlining Congress 's policy that financial institutions actively uphold customer privacy. I have identified what I believe to be a violation of the Privacy Act ( FERPA ). In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), it is crucial to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and a commitment to respecting the privacy rights of consumers. XXXX and XXXX are also falling short in maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations of the Fair Credit Reporting Act. Moreover, as explicitly stated in 12 CFR 1016.7, a consumer has the unequivocal right to opt out of reporting services at any time. Consequently, I am exercising my right to opt out of your reporting services. Additionally, I kindly request that you update my accounts to reflect the charge-offs as " paid as agreed. '' I appreciate your prompt attention to this matter and request that you conduct a thorough investigation to rectify the inaccuracies in my credit reports. Please provide a written response within the required time frame as per the Fair Credit Reporting Act. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly states that a consumer reporting agency is forbidden from including certain adverse information in a consumer report without obtaining proper authorization. Reporting this account as an adverse item without my permission constitutes a clear violation of this legal provision. In alignment with 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, it is prohibited for a person to provide inaccurate information to a consumer reporting agency if they know or reasonably believe it to be inaccurate.