davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 12 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 01 XXXX XXXX XXXX XXXX, 08 XXXX, 12 XXXX XXXX XXXX XXXX XXXX, 12 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 Company Inquiries : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 3RD TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED
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 — Account status incorrect
Company: CLGF Holdco 1, LLC (SC)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2017-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

XXXX sold this " alleged '' account to XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. I disputed this account and it was removed from one of my credit bureau. It is still on my XXXX report. I am requesting that this debt be removed from all credit bureau as no one has validated this debt and this debt has now been sold to another collection agency called, ERC ERC - Enhanced Recovery Corporation XXXX, Florida XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Toll Free : ( XXXX ) XXXX I do not have a relationship with this company and I am requesting that they remove this debt from all credit bureau.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$62.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX XXXX XXXX Creditor : XXXX ) XXXX Balance : {$72.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Mortgage took over my home mortgage from another bank. 
Since Wells Fargo Bank did not offer COFI based ARM mortgage product, it moved me to a new index Federal COF Index. Wells Fargo insisted me to go with the new Federal COF Index which supposed to be more stable and reliable. Well, it has been over 5 years and all these years, I am losing so much on Interest charged on these loans. It has been at least XXXX basis points for all these years, resulting a loss of about {$20000.00} in interest payments.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

I applied for IBR and was told on the federal website that my payment would by {$120.00} total. Navient bills me nearly {$200.00} between 2 statements. No one can explain why the difference and they acknowledge that it does n't sound right when looking at the income information. I had similar income and paid right around the {$120.00} IBR amount when my accounts were serviced by XXXX. Each time I complain that it is wrong and I ca n't pay the invoiced amount, they put the account on a " hold '' or deferment and that only adds to my balance and is n't a solution. Last time I spoke with them they suggested I consolidate my loans to get a lesser payment, but ca n't tell me what that payment would be or why refinancing in a consolidation ( which I do n't want to do ) will help. I have never had anyone at Navient be able to explain why they are not honoring the information I received on the federal webpage when I applied for IBR. I feel like they are trying to increase my balance and force me into default. I 'm sure this is a mistake on their part and they wo n't correct it.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the accuracy of information on my credit report. Despite my previous correspondence and the subsequent investigation, there remains data on my credit report that has not been adequately verified as per the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2016-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

Ever since Navient stole my student loans it has been a nightmare. No person at Navient has any idea what is going on. I get emails with no information. I get emails telling me to login and view documents. No documents to view. I get emails telling me I have a new payment. I login and alas, no new information. I call the XXXX number and they are clueless. What congressmen got a bribe for allowing Navient to exist???
Consumer complaint received 2015-04-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AZ)

In late 2014 we listed our home for shot sale, for our medical and financial situation. Through our agent, we contacted Well Fargo HELOC and spoke with XXXX XXXX XXXX concerning the XXXX mortgage. First, for nearly XXXX months we provided XXXX XXXX with everything he asked for ; such as, XXXX, contract sale, and payoff amount from the XXXX mortgage, and he never gave us an answer until XXXX days before the house goes up for foreclosure. Second his lack of communication made the situation very stressful for us, and he became an iron steel gate that stop any progress from going forward. Third XXXX XXXX received copies of the foreclosure notice, and all the information that he requested from the buyer. Finally, his delayed causes major financial hardship, and XXXX for both us because one of us is XXXX.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

I have disputed on more than one occasion and for the past several months an account I had with XXXX that is listed on my Equifax Credit Report. Equifax continually lists my account Status as Account Included In Bankruptcy ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Bankruptcy Chapter XXXX ; Bankruptcy. It should be noted that I settled the debt on this account directly with the creditor prior to filing bankruptcy and so I never had a reason to include it in my bankruptcy. Despite the fact that I have filed disputes and sent Equifax proof that my account was never included in bankruptcy, Equifax continually ignores my disputing this account and has exhibited this behavior and negligence to me over the past several months. They never provided me with any detailed explanations with regards to how they determined status on this account and they have refused to correct it despite what I tell them over the phone or through online disputing.
Consumer complaint received 2016-11-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX of 2016, I received notice from Bank of America that my Safe Deposit Box, which was free of charge for the past ( 10 ) ten years, would now be assessed a {$63.00} annual fee. Being that I have rarely, if at all used the Safe Deposit Box, I attempted on ( XXXX ) XXXX occasions to close it. With each attempt, I was met with resistance from the Bank of America Branch Personnel. The following are the types of resistance which were presented to me. ( 1 ) " You must make an appointment and come back at another time. '' ( 2 ) " You must have a government issued ID. The ID on your Bank of America Debit Card is not sufficient. '' The Safe Deposit Box is empty and all I would like to do is return the keys. I was told if I did not return the keys, I would be assessed a {$250.00} rekeying fee. This is the last account I have with Bank of America, since I have closed my checking account, but I continue to receive notices concerning the {$63.00} annual Safe Deposit Box fee.
Consumer complaint received 2015-12-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, Equifax , and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

i needed a loan and just applied for one, unfortunately it was denied from the bank. so i pulled my credit report to see if i could see what the problem was. i noticed a lot of items in my report were not correct, but somehow ended up o my report this doesn't make sense to me as they aren't accurate.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This account is once again showing a current past due amount having already received confirmation there was not one ( see all attached documents through a past dispute resoluion through CFPB ). This has been going on for almost two years. Clearely there are not processes in place to ensure this does not continue to mistakenly report innaccurately. I also sent numerous correspondences by phone and email to BAC requesting they remove the tradeline to match what XXXX had done to ensure the problem would not continue ( attached as well ). I never received any reply.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (TN)

Equifax Has Blocked My Credit Report My Credit Report is in the Equifax cunsomer affairs department i hired XXXX XXXX to handle my credit report i pay them $ XXXX Month Equifax has blocked my credit report from everybody XXXX XXXX, XXXX XXXX, XXXX everybody has told me my credit file has been blocked for 4 weeks now thats a month i paid XXXX XXXX to handle my credit report the have a contract with equifax so why my file is blocked i do n't understand i ca n't see my credit report online no more or nothing my credit report is blocked from everybody.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have been a customer with XXXX since XXXX with an excellent on time payment history. I recently saw on my recent credit report that the payment status was shown 30 days late for XX/XX/XXXX and XX/XX/XXXX. I am not sure why payments were not reported by the due date. After Academy failed to help resolve this issue, I feel my rights were violated.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

Experian removed negative information from my credit in XXXX, XXXX XXXX XXXX was removed and put back on my credit in on XX/XX/XXXX causing my FICO score to drop a XXXX points,
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (ME)

I had an account with XXXX and wanted to add my husband onto my account. A store salesman convinced us to switch to a business account, which we did. They upgraded our phones and we were all set. A couple of months later ( recently ) I began to get phone calls where an operator was on the line and then, brought a man on. He knew my name and said he wanted to verify my address which he mentioned. I said I did n't know who he was and was not going to verify anything. He would not say anything else. He called at least XXXX times a day from XXXX in the morning to XXXX or so in the evening for a couple of weeks!! I called XXXX XXXX my phone company who tried to help. I submitted XXXX phone numbers which they blocked. I was about to go to the police. I had nightmares ... He KNEW my address ... I did n't know if someone was going to come and kill me ... I was not aware of owing any bills. Today I was going to have my phone turned off when I get mail from Receivables Performance Management. They said I owed XXXX {$710.00}. I was not aware of owing this. I am a customer of XXXX! I was never informed of owing them anything!! After talking to XXXX, the person who switched my account failed to switch my phone to the new business account. So, I owed the entire amount of that phone which was supposed to be on a plan over time. They sent it to collections, and COULD DO NOTHING TO HELP ME!! They never sent me a bill or let me know in any way that I owed this.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello my name is XXXX XXXX XXXX XXXX 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 thank you for your time.
Consumer complaint received 2022-07-20
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. (VA)

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-02-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Vengroff Williams, Inc (TX)

My daughter sold a car that was titled in my husbands name. The person who bought the car purchased insurance the day he bought it. The day after the purchase the title would be transferred to the new owner unfortunately the car was involved in an accident and the car was a total loss. I spoke with the insurance company and provided a bill of sale and that was the last i heard anything regarding this accident. It has been over 2 years since this incident. on XXXX/XXXX/16 I received a letter from a Vengroff Williams , INC stating that my husband owed a claim of {$2200.00}. I called the company and spoke with XXXX XXXX. I explained the situation regarding the sale of the car. She provided me the name of the person who bought the car. I looked up this company by their phone number and was amazed at the negative comments that were posted about this company. I called the company again this morning and asked if they could send me any and all documentation regarding this claim so that I might want to have a lawyer look it and the lady i spoke with became very rude and told me that she was not sending me anything. I believe this is scam. I am not understanding why after 2 years this has become an issue and this company is wanting us to pay claim that we knew nothing about.
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: Experian Information Solutions Inc. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Uplift, Inc (TX)

In XX/XX/XXXX I planned a trip to Hawaii for XX/XX/XXXX using Uplift Inc. I paid off my vacation in XX/XX/XXXX. In XX/XX/XXXX - Covid XXXX pandemic happened. Hawaii shut down. I cancelled my trip on XX/XX/XXXX. I was told I would get a refund in 90 days. As of XX/XX/XXXX I have yet to receive my refund. I spoke with my bank and informed them that it had been 90 days and I had not received my refund. The bank said this was unacceptable and returned my money and notified Uplift. Uplift has now turned me into a collection agency who is after me hurting my perfect credit score. I always pay my bills.. I am NEVER late. They are wanting me to pay for a trip that I never received and Hawaii is still closed. I want them to take off the bad remarks on my credit score. I DID pay them ... I paid them in FULL XX/XX/XXXX. When the pandemic happened - I cancelled and waited 90 days for my refund of {$4300.00}. I do not want to be called by collection agencies for money that they say I owe for a trip that I never got to take.