davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have XXXX Federal Tax Liens that were published on my credit report. These liens were reported by Equifax and XXXX. These liens were paid and I submitted a request to the IRS to have these liens withdrawn. On XXXX XXXX, 2015, I received a letter from the IRS, which included Form XXXX ( Withdrawal of Notice of Federal Tax Lien ). Although I formally requested the IRS to notify the bureaus to remove the liens, I sent this letter to Equifax and XXXX on XXXX XXXX, 2015, to ensure they would be removed from my credit report. Equifax sent me a letter on XXXX XXXX, 2015, stating the tax liens were reported as released. XXXX sent me a letter on XXXX XXXX, 2015, stating they have deleted the tax lien from my credit report. The XXXX lien had already been deleted from my report. After reviewing my updated credit report through my credit monitoring company, I sent another letter to Equifax on XXXX XXXX, 2015. I included the letter from the IRS again, and requested the bureau to delete the Federal Tax Liens from my report. Equifax sent me a letter on XXXX XXXX, 2015, stating XXXX of the liens is currently reporting released and will remain on my report for 7 years, and the XXXX lien has been deleted from my report. I have included the letters from the bureaus, my last letter to Equifax dated XXXX XXXX, 2015, and the letter from the IRS with Form XXXX.
Consumer complaint received 2017-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I was told if I make 3 month of a set payment I would be qualified for a modification loan. I had to find this out by just check the site NO ONE every call me. I got approved and the new payment stat  XXXX   XXXX  but the catch is they never told me anything till I found it on the email side of the loan they went from 20 years to 40 years if I new that 3 months ago I would not have agreed to that I can get a 15 year loan with  tad higher   interes ts still less that what they want. I FEEL this is a preditary loan I als have has 3 people taking pics from the road and I feel this violated my privacy what if my wife was changing or my minor child changing and there cameras got pic that vilol ates my wife privacy also.
Consumer complaint received 2021-04-21
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: WELLS FARGO & COMPANY (NJ)

Unauthorized Credit inquiries According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiries. If a signed authorization can not be found please remove the inquiries from the three main credit bureaus. The presence of this inquiries is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 
Inquiries info : XXXX XXXX Inquiries : XXXX XXXX, XXXX ; XXXX XXXX, XXXX and XXXX XXXX, XXXX WELLS FARGO BANK NA Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2017-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

XXXX has stated that I owe a balance on an account. I has submitted dispute about this account and claim of inaccuracy. I had to resubmit my current address and information that verified my identity with Equifax after I sent that information in XX/XX/2016. This upset me tremendously because my information was not processed.
Consumer complaint received 2022-08-04
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. (VA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609  ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX XXXX : {$66.00}
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (MA)

I have received " targeted offers '' from Chase for the " XXXX Mileage Explorer Card '' for several years. I have applied 2-3 times in the past and been rejected for mediocre credit worthiness. Since I had received several new offers, which mentioned bonus XXXX miles, and did not have a card for XXXX yet ( and DO for the other XXXX legacy carriers that charge bag fees, XXXX and XXXX ), I applied for their card / offer. The offers I had received mentioned " annual fee of {$95.00} waived first year '' as part of the marketing, and this was consistent with advertising that was seen in billboards and in print advertising. I applied for the card, and to my surprise, was approved. Several days later, I noticed they had immediately charged the {$95.00} annual fee to the account. I sent several email inquiries to Chase, and each one said the fee was justified, because my " targeted offer '' did not include the annual fee waiver, despite what I had seen on my offer, as well as consistently in their advertising. One of the last emails I had received, when I escalated it, complaining of their fraudulent marketing, basically said that because I had applied online ( as one is apt to do these days ), the annual fee waiver was not honored in my case, and there is no way to change it at this point. They basically admitted they used deceptive marketing practices, refuse to honor their " card benefit '' of " first year annual fee waived '' and despite all my email attempts, will take no further action, basically saying I was penalized for applying online. They do not care that I have discussed filing complaints with the CFPB and my state 's attorney general, as they, as a big corporation, really do not care about consumers, and consumers ' rights.
Consumer complaint received 2016-08-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (NC)

I took a loan with Big Picture Loans back in XXXX XXXX for {$400.00}. I have had multiple payday loans before, but I never remember being charged this much interest. However, I went back and looked at the interest rate and notice that it was XXXX %. On this {$400.00} loan, I will end up paying over {$2000.00}. I will not be done paying them back until XXXX XXXX. As of today. I have paid them {$700.00}. I have been able to skip 2 payments. I called them when my last payment was due and ask them if I could make some other type of payment arrangements, because I could afford to pay the payment. They then offered to let me skip a payment for the last time. I have read some of your comments to only find out they are not even licenses to do this. I do n't know what to do because, they have my information and do not want them to call me at work. I also read that you were able to send them a letter and they settle with the customer and will not be able to loan with them again. I would be perfectly fine with that.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I applied for a student loan using XXXX XXXX while attending Full Sail in XX/XX/XXXX. I was young and naive on the process and was able to obtain a loan with no cosigner at the time. XXXX was not accredited when I went and the loans were not able to be consolidated. When I graduated I struggled to find work. It was time to pay my loans and they minimum payment was over {$1000.00} for XXXX loans. Most private loans which I had no idea any would be private. I paid my federal loans fine since they were only {$99.00} a month. I was told to use my deferment option until my loan was able to be consolidated. I deferred the loan collecting tons of interest in fear it would default since I could not pay the {$1000.00} loan payments. Eventually I was able to consolidate and my loans were now {$350.00} a month. I found a job in my industry and made payments. I was laid off after 4 months due to down sizing. Out of XXXX employees XXXX were laid off. I was again unable to pay my loans. I once again had to defer my payments. My deferment ran out before I found another job. I pleaded to arrange a payment plan to allow me to pay only interest until I find work. They would not help me. My payments fell behind to almost {$2000.00} minimum payment. I found a job and pleaded with them once again to allow me to make payments on this amount. They told me I would continue to build interest to ask a family member or get a loan for the amount I need to get caught up again. I was unable to do either. For years now I 've been begging and pleading with XXXX XXXX and now Navient to get me back on track so I can pay my loan. They are demanding {$34000.00} minimum payment in order for me to get back in good standings and make monthly payments on the principle. I am unable to purchase a home or make any large purchases because of this. I make enough money to pay my loans but they refuse to give me any options for repayment. I want to say I have paid my federal loan payments with no issues. When I went through my hard ship I was protected and was able to get back on track and have been in good standings for years now. I also want to say that XXXX is now accredited and even though I felt like I was deceived when I first starting going to school there, I am happy with my current position that was the outcome of my schooling. All I ask is to get back on good standings so I can finally make my payments and fix my credit.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (KS)

I have disputed this account more than several times, then had to take it upon myself to contact the creditor and obtain the history which still is not correctly reporting on my credit. I do not know how these agencies go about receiving a dispute and complete a full investigation as nothing has been addressed or even verified. This agency still continues to report late payments on my mortgage in 2014 which is NOT accurate on my end and the creditor. Please see attached and help.
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I had contacted experian to remove a account from XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me. I have documentation from my XXXX account sign in.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (AL)

I 've contacted experian on several different occasions to let them know that my credit was ran several times over the span of months by XXXX and that i did not authorize those and they have stated that i have to contact the company. i explained to every agent that i have spoken with that i have tried and tried to get the matter resolved with XXXX and have been unsuccessful in doing so.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requires to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I have initiated XXXX separate disputes with Experian for XXXX XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!!
Consumer complaint received 2016-10-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NY)

CFPB indicated that Case number : XXXX was a duplicate of Case # XXXX. 
Case # XXXX was submitted in XXXX. Case number : XXXX was submitted in XXXX. Now is the end of XXXX and nothing has been resolved even though I was instructed that CFPB was working on it.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Charged me an overdraft fee even tho my account had enough money for the transaction. The transaction is for a car payment of XXXX dollars and I had an available {$100.00} in the bank. I spoke to a banker who told me there was nothing the bank could do about this mistake, because Wells Fargo had already Credited my account previously ( because of the banks mistake ). I stopped all deposits to this account which caused me to get over drafted. Wells Fargo has refused to accept responsibility. This bank has also charged me {$10.00} per month and I did not agree to this fee. I looked online and I can not find clarification. I did not sign up for overdraft protection. Also, this bank states that no overdraft dees will be applied to balances overrated for less than {$5.00}
Consumer complaint received 2021-11-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LendUp Loans LLC (CA)

I had numerous payday AND installment loans with lendup over a few years... XXXX loans to be exact ranging from {$250.00} to {$1000.00}. I had reached the highest place in their " ladder '' but the interest remained very high and I was caught for years in a vicious cycle of borrowing and paying off every month costing me thousands of dollars. 
I just read that this agency successfully filed and completed a class action lawsuit against them. 
Am I,, a victim going to see any resitution? 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX, Ca XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

A few months ago I sent some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

This is an update to a previous case filed with the CFPB, ( ( Case number : XXXX ) ). I previously disputed multiple collections on the aforementioned case and have since spoken with both XXXX and the original creditor XXXX XXXX XXXX XXXX. I am attaching proof from XXXX XXXX XXXX XXXX that these accounts were opened in a fraudulent manner and have subsequently been removed from my name for all financial responsibility herein. Please update your records accordingly and feel free to reach out to me with any additional questions or concerns you might have in order to help expedite this process. I can be reached at ( XXXX ) XXXX. 

XXXX XXXX Acct : XXXX Amount : {$6500.00} XXXX
Consumer complaint received 2016-07-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Experian Information Solutions Inc. (CT)

Experian Credit Reporting indicates I signed up in XX/XX/XXXX, which is true. However, I put in a request for cancellation in XX/XX/XXXX. Experian says they received no notice of this and I have no confirmation email. I have asked them to examine their records for any logins to the site, and only requested credit back of {$21.00} for the past 3 months, as that is standard to request for any purchase you dispute. They declined, offering 1 month credit only. I wish to receive the other two months. I should receive 6 months, but since I did not follow through on this - due to the death of my sister XX/XX/XXXX, when I no longer was interested in following my credit score or anything else, this is all I am asking.
Consumer complaint received 2016-01-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

There is a XXXX Bank account that does not belong on the report, XXXX has agreed for removal and the reporting agency keeps saying verified, this is wrong information on my name and it hurts me to the bottom. 
I have included a copy of my report as well the letter from XXXX bank showing the account in dispute.
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

There are XXXX entries listed on my credit report which I have tried to remove previously. Apparently, someone with a similar name to mine filed bankruptcy twice in different cities and they XXXX appeared on my credit report. I have sent in letters as well as disputing through the online system that someone with a similar name had filed these public records and it was not mine. Unfortunately, Experian sent a letter advising that these were verified and would remain on my account. I got frustrated and contacted the XXXX and XXXX bankruptcy courts and they advised that they do not provide anyone with a debtor 's full social security number, and they definitely do not provide any credit bureau information relating to any bankruptcy cases. Experian should now that it is a violation of the FCRA to report erroneous information on someone 's credit report.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OK)

On my credit bureau it shows XXXX XXXX XXXX XXXX. It has the open date balance, last paid. I had insurance at the time of whatever procedure was done, the balance was {$31.00} if I owed this I would have paid it. I have tried to contact the company and you can not even leave a message. This was on Experian. I am going to dispute it with Experian, but I think that the person who put it on should be able to be contacted.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CO)

When attempting to get my credit report from all three reporting agencies using https : //www.annualcreditreport.com, I was given an error message that Experian was not able to process/handle the request online and that I would have to manually fill a form and send via mail in order to receive my report.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

Experian had added conjecture to my credit report of which I do not PAY them monthly for this unprofessional service! I have written letters and sent emails to NO AVAIL! 
XXXX XXXX, XXXX and XXXX have notes that the " consumer distributes, or disagrees. '' I have asked that they be removed. After waiting everyday last week and this week on the consumer service line for at the minimum XXXX minutes I am told the creditors say it is your bill. No kidding. Take the verbiage off " consumer distributes, or disagrees. '' I am also writing to the XXXX for assistance. EVERYONE should know that Experian is a friend of collections agencies, and that they are violating my Fair Trade Laws.
Consumer complaint received 2015-07-10
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CHECK INTO CASH INC. (OK)

I received a payday loan with ( Check into Cash ) I paid interest fees and somehow my banking account gets completely out of order I explained this to them and they continued to send check through my account, then broke all kinds of confidentiality codes/law 's, Thank You For Your Time.