davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Convergys (PA)

Encore is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX ENCORE XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX
Consumer complaint received 2022-07-20
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: Exeter Finance, LLC. (TX)

I still have hard inquiries that need to be off my credit reports. This is getting ridiculous that I have sent multiple letters. These are old inquiries, please take them off my credit reports. It is making my credit look bad as I'm trying to purchase a home. They should be off by XX/XX/2022, that is XXXX XXXX XXXX. NOT XX/XX/2022. They were also not suppose to even be on my credit report as XXXX XXXX XXXX submitted all these car dealerships/banks without my consent. This is against the law. All I want are these hard inquiries to be deleted like they are suppose to be. I am begging you to have someone delete them! PLEASE.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NY)

It 's funny how two years in a row, when I try to retrieve my free annual report via the annualcreditreport.com site, the most consistent bad actors are XXXX and Experian. I have run into issues that ultimately prevent me from retrieving my free report. This year, I tried and received a blank page from Experian and a " Technical Difficulties '' page from XXXX. However, XXXX was able to show me my information just fine. This seems like a catch all, because when I attempt to get my report from Experian or XXXX via paid means, everything works just fine.
Consumer complaint received 2024-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In reference to my loan ending in XXXX. Bank of America has the deceptive practice of sending emails for many years that indicate that if I do not respond to this email I will automatically be put on paperless billing. Recently I missed these emails and as a result I did not receive a bill for the months of XXXX and XXXX. I was sent a notice of intent to foreclose, for the first time in my life. I was charged late fees of {$29.00}. Bank of America also reported this delinquency to the credit agencies and again for the first time in my life my credit score dropped below XXXX and is now preventing me from qualifying for new loans. 

I did not ask to be on paperless billing, I will never ask to be on paperless billing. I was unwittingly placed in this program. It is deceptive and not my fault. The moment I received the notice of intent from Bank of America I paid the balance in full, and am current on the account. 

1- I want these late fees reversed.

2- I want this practice to be stopped.

3- I want this reporting to the credit bureaus to be rescinded.

4- I want a letter of apology
Consumer complaint received 2017-08-14
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. (TX)

I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been mistakenly marked late on my mortgage due to issues within the loan servicers and how my payment was processed. I 've sent the bureaus my documents because recently I applied for credit and was declined because of these remarks. I tried to come up with supporting documents to show when I paid. I 've disputed and sent mail directly to the credit bureaus and am not having a ton of success. I did upload the letters that were sent. just recently. My husbands report was also affected.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (TN)

XX/XX/XXXX I opened a checking account online. I was sent an email that said the account was approved and I could fund the account. XX/XX/XXXX I transferred {$500.00}. That money was accepted. The next day my account was suspended. I have called over 5 times and am told it will take 3-5 days. That was over 3 weeks ago.
Consumer complaint received 2024-05-16
Product: Credit 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: CITIBANK, N.A. (CA)

Service company XXXX XXXX XXXX charged my Macys XXXX XXXX credit card with out my authorization either written or verbal for services in the amount of {$190.00} which I also did not approve and they charged my credit card only because they had my credit card on file in their computer system. 

Regardless of the history and dispute details between me and XXXX XXXX XXXX, I did not authorize the charge on any type of payment method. 

XXXX XXXX XXXX  can pursue the alleged charges further or try and negotiate with me as I do not agree with the services rendered. XXXX XXXX XXXX can take me to court for which I would provide proof and history of the dispute between me and XXXX XXXX XXXX 

Macys XXXX XXXX personel were provided with some history and information of the dispute between me and XXXX XXXX XXXX  as a courtesy but IN ESSENSE XXXX XXXX XXXX  DOES NOT HAVE my written authorization to have charged my credit card and Macys XXXX XXXX XXXX did not request such documentation ( written approval for work order ) BUT STILL found the dispute AGAINST my best interest with out proper investigation or receiving such documentation. 

If XXXX XXXX XXXX  is able to provide my written authorization for services rendered then I would not have a case here nor I would have disputed the charge and Macys XXXX XXXX XXXX failed to provide me with such documentation as they have failed to properly investigate on other requests made by me for which I had to report as well to CFPB. Further more, charging a credit card with out having the credit card present or with out having a written authorization for a work bill is fraud which is a crime under Penal Code Sections 484e484j
Consumer complaint received 2022-07-20
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. (CA)

I disputed with Experian about ( 1 ) to remove the notices that they put on my report and ( 2 ) to correct my address.

1. I contacted them 3 times and they said they were going to delete the notices, but they never did.

2. Again, I contacted them 3 times to delete 2 wrong addresses from my report and leave only the correct one. On XX/XX/XXXX, they changed my correct address to a wrong one. And on XX/XX/XXXX, they deleted all of my addresses. 

It is just ridiculous and annoying.
Consumer complaint received 2020-10-16
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: Conn's, Inc. (TX)

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2022-02-04
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 (WA)

We are a small business and had a signed contract with a customer. All payments were made via the client 's credit card through XXXX. We delivered the product to the client, but it was slightly damaged during shipping. We hired a company that came to the client 's address and fixed the product at our own cost. The product ended up being upgraded and has increased its value. 

The client, however, made a chargeback of {$19000.00} on XX/XX/2021. XXXX  gave us only XXXX window to present our case and appeal the chargeback. As a matter of fact, the email XXXX sent us indicated that the money was ALREADY taken out of our bank account, without the XXXX window. 

We submitted all the paperwork to XXXX AND Wells Fargo proving that the chargeback was illegal. Stripe never followed up or requested any additional documents. The money was out of our bank account within a few hours. 

We called and email WellsFargo even prior to the chargeback, alerting them of the potential fraudulent chargeback, as the client threatened us. Wells Fargo told us to sit tight and wait for XXXX to handle this. 

We strongly believe that this was not handled properly and that we lost {$19000.00} due to the bank and the card processor 's negligence.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (AZ)

I was enrolled in credit defense at Wells Fargo and i never signed up for it. I was charged XXXX since XXXX XXXX I think. I am only able to access my credit card statements for XXXX and XXXX and i added those charges to be XXXX. I then called Wells Fargo and they told me i was charged the {$1100.00} I have requested them send me that information so i have it and also i have requested all my credit card statements to be mailed to me but it will take XXXX7 business days. I have filled a complainant with wells fargo but they said they will get back to me in writing in the next 10 days and i do not believe them.
Consumer complaint received 2022-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once XXXX. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2017-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried on multiple occasions to get XXXX to remedy inquiries that have been placed on my credit report which lack permissible purpose. Their answer is always " Inquiries are factually based. '' Any complaints in writing are met with a condescending explanation of what inquiries are, and how long they stay on a credit report. Their assertion that inquiries are n't disputable is a violation of the FCRA, as is their equally incorrect assertion that the consumer does n't need to " put anything in writing '' for the inquiry to have permissible purpose. ( Section 604 of the FCRA would contradict that claim. ) Then, when I write to each creditor that I am disputing inquiries with, and they agree that the inquiry should n't have been placed on my credit report, they call XXXX and are told that they ca n't make changes to my credit report. This is after XXXX reps told me that I would have to dispute the inquiry directly with the creditors. And finally, when the creditors do n't respond to my written disputes, or the letters are sent back marked " return to sender, '' XXXX reps tell me that my only remaining option is to visit the creditor personally, because I 'm seriously going to drive from North Carolina to Texas or XXXX, all because XXXX wo n't give me the correct information and proper tools to do their job for them. Experian is equally obstinate concerning not allowing the dispute of inquiries, which I still maintain violates the FCRA, but at least their representatives are friendlier while refusing to listen.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX I submitted a payment of {$1200.00} to XXXX XXXX XXXX. This payment cleared by the XXXX. They are incorrectly reporting that this payment was over 30 days late pulling my Credit score down. They also did this in XXXX of XXXX. We have called them countless times about this issue, sent emails, and even sent certified letters in the mail and they refuse to correct there mistakes. 
In XXXX of XXXX XXXX also claimed we had no home owners insurance since XXXX of XXXX and that we were going to be charged a fine for this and we had 30 days to get insurance. We thought this was incorrect but got new home owners insurance which was effective XX/XX/XXXX. Then around XX/XX/XXXX XXXX  decided they were going to take out there own policy on us with our permission. So they caused us to have 3 active policies, and be charged a fine which sent our escrow plummeting. We contacted them to fix this and they still havent so we are paying an extra XXXX $ a month due to there error. 
Due to there repeated XXXX ups we are unable to get a new loan and are going into debt trying to keep up with the money they say we need to pay caused by the mistakes they made.
Consumer complaint received 2020-10-16
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. (TX)

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2022-02-04
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. (IL)

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX XXXX XXXX XXXX are showing late payments when I have stated they were never late. The XXXX account is showing the account # XXXX three separate times and there should only be one whole account. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Consumer complaint received 2015-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (MD)

Diversified Consultant has never that prepared paperwork for the collections before placing it on my credit file. I send them and certified letter and email correspondence request from such information to verify the debt such as contract agreement, charges, and payment history. I have not received any thing back from Diversified Consultants to verify that debt.
Consumer complaint received 2022-02-04
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. (IL)

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX XXXX XXXX XXXX  are showing late payments when I have stated they were never late. The XXXX account is showing the account # XXXX three separate times and there should only be one whole account. XXXX, XXXX, and Equifax are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I have paid Capitol in full XX/XX/XXXX, the negative information for XXXX XXXX & Capitol are not mine. The XXXX County civil claim may be from XX/XX/XXXX it was settled by court. It was XX/XX/XXXX so it is the only account aware of.If reinstatated. I was never notified.
Consumer complaint received 2022-07-20
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. (IL)

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX XXXX & I am including it again., 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX : {$84.00} XXXX  XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$770.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX