davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

In XX/XX/XXXX, I went inside a XXXX  store in XXXX to resolve a payment issue on my account. The in store rep attempted to help me but informed there was an issue with removing the payment card on file so she called the XXXX escalation team to rectify the issue. After an hour of trying, the folks in store and on the escalation team were unable to remove the old payment method to add a new payment method. Up until that time, I was already disappointed in the service. With this new issue, I closed my account that day and switched to XXXX XXXX XXXX. 

A few weeks later, I contacted XXXX about a final payment for my last bill and the phone. I spoke to an agent who transferred to the same escalation team to no avail. No mail or correspondence was ever sent from XXXX mobile about the last payment. 

On XX/XX/XXXX, a collections letter from Credit Collection Services stated a balance of # {$360.00}, which is the exact balance I tried to pay twice. I contacted XXXX by chat on XX/XX/XXXX and spoke to 3 reps - one being a supervisor. Each one was inadequate in what they could do to resolve this collection issue. The account could not be located therefore a balance is not owed and this a fraud collection attempt
Consumer complaint received 2021-06-05
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: EQUIFAX, INC. (GA)

On XX/XX/2021, I submitted a dispute to Equifax disputing an incorrect bankruptcy they continue to report. I have disputed this inaccurate account with them several times. Consequently, I had to dispute with the furnisher of this inaccurate information XXXX XXXX XXXX. XXXX ultimately removed the inaccurate account from my report. I provided proof of this fact in my recent dispute with Equifax and they still refused to delete the account. They even state in the verification they just sent me as being verified with XXXX. The 30 day clock on which they have to delete this invalid bankruptcy and all accounts associated with it, ends on XX/XX/2021. They have essentially wasted almost half a month, by responding that this account is verified when it clearly has been removed. This can even be found in the last CFPB response from XXXX, stating the bankruptcy has been deleted/removed from my report. At this point in time Equifax clearly disregarding all rule of law, and they are also ignoring the information from the furnisher of the information they are reporting. I will file a suit against Equifax for damages if they do not resolve this issue by XX/XX/XXXX. I will not accept them restarting the clock when they are in clear violation.
Consumer complaint received 2018-05-13
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. (FL)

I have repeatedly disputed this account with the collection agency, XXXX XXXX XXXX, Equifax and XXXX. However, this account remains on my report as being accurate. However no one can provide proof of this debt, EOBs from insurance companies, bills, etc. I have been insured on a constant basis and I should not EVER have a medical bill with a balance this large. I get ZERO cooperation from the credit reporting agency. I do not believe I owe this collection account of {$860.00}.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2022-04-09
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: EQUIFAX, INC. (CO)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2018-05-13
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 — Problem with personal statement of dispute
Company: ERC (MI)

Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX XXXX in the balance of {$570.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (PA)

Credco Inquiry from

XX/XX/XXXX - Misc. This inquiry could stay on your report untilXX/XX/XXXX
.

See an error?

Find out how to dispute a hard inquiry Institution Information Credco  XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX I used my WellsFargo bank app to send XXXX US dollars from my checking account to my second cousin in XXXX, to his checking account. 
I was told that the money will arrive on XXXX of XXXX. On XXXX of XXXX money was still not received and I felt so embarrassed and told my cousin who is in his XXXX, that he will get the money soon. I called my bank and was given a case number XXXX, and with information that they will get back to me soon. I kept calling them, called on XXXX, talked with XXXX, she will send a note again. Called XXXX talked with XXXX ... No update. Called on XXXX and talked with XXXX. No update but after I asked to speak with some supervisor, I was connected with XXXX who told me that a new case number is assigned XXXX, and someone will call me by Friday, XX/XX/XXXX XXXX No one called and no one explained this far why it was taking so long or what was the issue. I sent the money to my cousin via XXXX XXXX on XXXX as he needed the money and I had promised him to send the money. 
On XXXX XXXX I called again and talked with XXXX, who gave me another case number XXXX. She told me she will get back to me in XXXX hours. She also informed me that there was some compliance hold. This was the first time someone told the such thing. This is just not right. I understand compliance hold for security but I should have been informed by XXXX so I could inform my cousin who may be thinking that I was not sending the money. Very embarrassing.
Consumer complaint received 2022-10-07
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. (AL)

In accordance with the Fair Credit Reporting ACT, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct XXXX XXXX. XXXX XXXX XXXX Acct # XXXX xxx XXXX. XXXX Acct # XXXX XXXX. XXXX ACCT # XXXX They have violated my rights. 

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- no consumer reporting agency may make any consumer report containing any of the following items of information -- -Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) -- A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Colony Brands, Inc. (NC)

I have lived in North Carolina for XXXX years and have had absolutely no interaction, live or online with XXXX XXXX of XXXX Wisconsin in all of that time. They have no reason at all to check my credit and I did not give them permission for any reason to check my credit report. The following information is directly from my most recent XXXX credit report That I requested today XX/XX/2022. 

XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX WI XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (WI)

I made a {$500.00} deposit and within hours it was taken. Not being the one who did this transaction called it into Huntington bank as fraud. The rep taking my complaint stated that this was at a Huntington bank and it was pin transactions. I explained that I have multiple people helping me and that I have XXXX. He indicated that I would have to testify in court against the people who took it I was in agreement with it. They gave me a temp credit for the {$500.00} but later took it back resulting in my account not having enough funds to pay off my insurance. I cant help it if some one that I know may have took my funds. I was relieved that I was able to see who did this to me. This bank breached contract when they told me I was going to have access to the pictures taken on file. They had no business taking my funds as I told them I only gave permission for the {$500.00} to be deposited. They sent me a letter saying they did their investigation and there was no error. I was challenged by the rep who took my initial complaint. He was already assuming that I was making a fraudulent claim. No one ever said that my card was lost or stolen I simply said it was misused. The rep was supposed to order me a new card but I still have not gotten it.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo reported me 30 days late in error in XX/XX/XXXX on XXXX and XXXX. They did not report me late on XXXX XXXX. 

I closed the account and did not authorize any charges. WF even cut me a refund check in XXXX as it was overpaid. 

When I went to apply for a mortgage I found out that this WF account was destroying my credit. 

I see now that they approved a recurring charge in error. I once again spoke to Wells Fargo to ensure the account was fully closed so no new charges could be applied. 
Then, all of a sudden I see in XX/XX/XXXX a 30 day late reporting to my XXXX XXXX account. 

As you can see from the attached screenshot, each credit bureau are reporting inconsistent data, all late marks are in error.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXX XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I opened a complaint under the number XXXX previously before. The company did respond by XX/XX/22, but said it needed further processing which could take up to 90 days. I had to reach out to them XX/XX/22 about how they still haven't responded back even past their 90 day window. They replied back XX/XX/22 only reply they are unable to assist me and I have to again resolve it with the seller which was a scam and never got any item now refund for my transaction.
Consumer complaint received 2022-04-10
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. (PA)

One credit bureaus saying account is closed which are split to multiple different accounts for student loans. XXXX  doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on equifax and XXXX. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.
Consumer complaint received 2022-07-29
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: Self Financial Inc. (MI)

1 account was already in process on XX/XX/XXXX that should be the only account I have. Your company made it into 2 negative accounts and now that look bad on my credit report. I closed both these account but there still alerting me with changes on my credit report and thats affecting my credit score. Improper use of my information without my auhorization is violating the credit act and could get this company under with the law. These accounts are old and closed and improperly used with my informatiom. I asked that both account be remove from my credit report. XXXX XXXX {$520.00} OPEN XX/XX/XXXX CLOSED XX/XX/XXXX but was marked as late payment. XXXXXXXX XXXX {$520.00} OPENED XX/XX/XXXX and CLOSED XX/XX/XXXX these are the same company different names In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXXXXXXXXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose
Consumer complaint received 2022-04-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (OK)

I am a single parent XXXX XXXXXXXX. I have bills, car issues, and Children to raise. My income is no more than {$800.00} a month. I dont understand how I can repay back all of these funds Without a steady income. I have XXXX XXXX  that are keeping me from holding a full-time job. I have been having these student loans one my record since XXXX Here it is 16 years later and I still have these funds that the company want me to pay back. I was told that after seven years that things should have fallen off of my report. This situation has been a big downside for me for housing, jobs, transportation and other matters. At this point I am done and tired of seeing all of these loans on my credit report if I need to file bankruptcy to try to help with this matter then I will need to do so. I just dont have the funds to pay back all these loans that Ive basically used to support my family at one give time in life. I dont feel like this should be a burden on my life any longer. Why cant my loans cant be forgiven? 
Also a lot of those companies that I used loans for didnt live up to their part. XXXX, didnt teach me anything about hair that I always didnt know. All of the equipment that was provided broke and stop working ( tablet, blow dryer, etc ), they also stated that nails was apart of the program but I wasnt able to learn because one of their advisors was allergic to the products. XXXX, lied and stated that they gave me equipment and that I didnt return is a lie. I had a percentage over a XXXX in my class. My home got broken into and even with me trying to still turn in my work, the teacher still failed me to a XXXX percent. So I quit because I tried very hard. XXXX XXXX  I barely made it due to me getting XXXX but with help from a friend and XXXX I was able to finish and I was happy. Then the online schooling was great but my XXXX got bad again and I stopped. Ive taken so many classes over and over again which I felt like I shouldnt had to. Schools like XXXX refused to share my information with other schools and I was XXXX during that time. At the end of this I tried and gave it my all. I really need help for a new being and a fresh start.
Consumer complaint received 2022-07-29
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Fraud Alert has incorrect phone number on file. REMOVE XXXX XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX.
Consumer complaint received 2021-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (IL)

Overview : Flagstar Bank made our family 's property tax payment out of our Escrow account on the wrong property. This issue has been brought to their attention, nothing has been done and no course of action has been laid out to rectify this error. Poor due diligence and over-automation has lead to Flagstar raising our monthly payment as a result of this error. I have been bluntly ignored throughout this process. 

Timeline : XXXX - I receive a piece of mail from XXXX XXXX informing us our property taxes have not been paid and are still outstanding. 

XX/XX/20 - I consult my lawyer and he confirms that Flagstar had in fact not yet paid any tax amount on our property pin #, according to XXXX XXXX. 

XX/XX/20 - Our Lender confirmed the tax payment was taken out of our Escrow account, but was paid to the incorrect pin #. 

XXXX - A case is opened with Flagstar to correct the issue. I follow up with the email address given to me by Flagstar 's Tax Department. 

XXXX - I receive an Escrow Review Statement from Flagstar Bank indicating a significant raise in the monthly mortgage payment due to the a Escrow shortage, which is a direct result from the tax payment error made by Flagstar. 

XXXX - Given no communication despite multiple emails to the email address given to me, I call and follow up and a new case is created. There are 2 cases outstanding from this issue. 

XXXX - I call Flagstar and am told thy are still reviewing, no progress made.
Consumer complaint received 2022-04-10
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. (AP)

Hello, I am an XXXX XXXX military member who XXXX XXXX XXXX. I would like to know if someone could please assist me with this matter. Thank you. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (SC)

I was making monthly payments to Discover Student Loans of what I could afford based off of my income alone with other debt owed. My loan was charged off in XXXX despite making $ XXXX  month payments and I was notified in XXXX when I went to purchase a car. The pandemic hit and I was unable to make payments on a regular basis but still made attempts with lower amounts. Every time I called to make/arrange a settlement, the amount asked to pay monthly for 5 years was too high XXXX {$900.00} XXXX. I made a 1 % payment in XX/XX/XXXX to prevent my loan from going to collections, because thats what Discover told me I had to do, and was told to not call and make payments less than 1 % therefore after. I still called every month and payments were refused. When I called XX/XX/XXXX to schedule a payment, I was I informed that my loan was placed with collections and that I signed up for this because I was unable to make the {$1200.00} a month payment asked upon graduation in XXXX. When I asked when this would be reported to my credit bureau, I was informed that Discover last reported to the credit bureaus on my debt owed in XX/XX/XXXX. My credit shows no payments made on these loans since XXXX. Highly unprofessional and sets people up for failure.