davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been disputing these accounts for the longest with XXXX, XXXX and Experian. I have 3 seperate student loans accounts through XXXX that was transferred and consolidated in XXXX with XXXX XXXX that shows US Dept of Edu/XXXX  on my reports. Those accounts are still showing late payments and still show that is delinquent when they are supposed to be current or deletes the late payments. XXXX actually reaged my accounts to XX/XX/XXXX as if the accounts were still open all this time while Experian has XX/XX/XXXX and XXXX XX/XX/XXXX. Equifax doesnt have the months term included. Date Last Active are all showing different dates for all 3 accounts. XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX while EXXXX has XX/XX/XXXX. How is all of this possible when all information across the board is supposed to be the same. How is the Date Last Active is XX/XX/XXXX but it was last reported by XXXX on XX/XX/XXXX? None of it makes sense. All three companies have been claiming to have deem these accounts accurate over and over again when theres proof that its not.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (LA)

i disputed information on my credit report i sent a letter to experian requesting that the debt on my report from XXXX acct # XXXX be valadated, XXXX acct # XXXX, XXXX acct # XXXX, and XXXX acct # XXXX, according toFCRA the credit breau must provide phyisical proof that these accounts are mine and they have not but refuse to delete these items from my file, I also disputed inquiries on my report that were not mine and they could not verify and thet refuse to do there job under FCRA and delete
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

So I had a huge case of fraud where I had lost my card and opened a claim, XX/XX/2022. Where after losing my card in XXXX, Colorado, I hadnt noticed till my card was in the negatives and declined my card at work. But basically I had lost almost {$3400.00} of my saved money and rent money, then after weeks and weeks they sent me a letter saying they think it was me who did the fraud, then I call and they were being rude to me and not helpful or sincere at all and basically told me off saying it was someone who had had access to my bank before. I dont understand at all, even if a friend had frauded me I dont get why I have to deal with the loss. I dont understand how they didnt notice the fraud at the time and stop it. I am a XXXX XXXX with barely any money and they now suddenly say I owe them {$3300.00}
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Improper use of credit report company was not given permission to run my credit please remove from all credit bureaus. Also there is closed accounts but still being reported that does not belong to me. 
XXXX XXXX XXXX - {$270.00} XXXX - {$220.00} XXXX XXXX XXXX {$100.00} XXXX XXXX- {$21000.00} Closed accounts XXXX XXXX - closed XXXX XXXX- closed XXXX XXXX-closed
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (FL)

I have an existing mortgage with XXXX, I have paid EVERY payment, I am current, but XX/XX/2021, I called XXXX to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that XXXX was doing a credit pull WITHOUT MY KNOWLEDGE or consent... 

and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX score!
Consumer complaint received 2016-09-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NV)

Hello, Equifax continues to report disputed inaccurate information on my report that had been removed previously as follow : 1. XXXX XXXX XXXX XXXX {$290.00}. This account is not mine and XXXX XXXX has failed to respond to the CFPB in the past with proof of debt. This must be removed. 
2. A closed collection account, # XXXX, remains to be provided on my report with no contact or account information. This must be removed. 

3. XXXX XXXX XXXX. As note din a prior dispute this account payment status is not correct as payments have been made monthly. This must be updated top accurate information or the account information deleted. 

Thank you.
Consumer complaint received 2022-11-08
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. (KS)

I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5800.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$3100.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$6200.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$910.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$7200.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

XXXX. XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 

XXXX. XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5700.00}. 
This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth Third Mortgage company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from Fifth Third Mortgage however Fifth Third Mortgage is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.
Consumer complaint received 2015-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

Basically, the call does n't state whom they want to speak to. They only stated the following : They are from Municipal Services BureauThe phone call is not a Sales or Solicitationtopic is an Important matter - call XXXXSince I do n't owe any money and they think it is important, they should - specify whom they want to speak to and what the subject is about.and sent a certified letter to my address if they know. 

I have been living in the same address now for over 5 or more years.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (AZ)

On XX/XX/22 made a payment in the amount of XXXX on my credit card. My funds are not available due to a review. Every time I make a payment it takes 8 days for it to go thought and When I attempt to use my card the charge me over the limit fees. One time months ago I made payment from the wrong account but fixed it as soon as I noticed it and they wont have any of my payments go though any more. Its total XXXX that they are taking advantage of me. When I have tried to address this with customer service I get hung up on or transferee to a line that takes hours on hold to get though to.
Consumer complaint received 2022-10-21
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: Nelnet, Inc. (TX)

I have reached out to this company to let them know I do NOT agree with the false reporting of these accounts and this is still reporting on all of my credit reports. Per FCRA 15 USC 1681 my privacy rights have been violated I demand an immediate response or I will be contacting my Texas State Attorney General and federal courts. 
SEE ATTACHMENT
Consumer complaint received 2019-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

On XX/XX/XXXX, I got a NASTY email from nelnet claiming that my payment was 15 days past due. First of all, I never got a bill in XXXX. Second of all, I've been paying more than the minimum amount due for 14 YEARS! There is absolutely no way my bill is ever past due considering how far ahead of my payment schedule I am. I should NEVER get another NASTY email from nelnet claiming my bill is past due. It is not!!
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CO)

Good morning, I am writing to dispute the charge of [ {$2000.00} {$10000.00} {$2400.00} XXXX {$2400.00} {$1100.00} ] I'm not knowledgeable or familiar with this unauthorized transaction that was deducted from my account and visa debit card XXXX, Am not notify the suspicious activity in my chime bank account. I'm disputing this trensaction becaus because didn't make the transactions as My bag was Stolen from me that is when my loan money was hijacked, the fund from XXXX {$20000.00} deposited in the bank XXXX XXXXXXXX XX/XX/2021 for a personal business. 

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ] [ CHECKING ACCOUNT ] Re : Notice of disputed charge to Account No. [ XXXX and the Visa XXXX ] I'm badly damaged and unhappy about this, I want to use the funds to PAY OFF CREDIT CARD WITH OTHER HIGH INTEREST DEBT.. I would appreciate your help
Consumer complaint received 2022-09-07
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. (AZ)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-02-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc (CA)

Affirm, Has continued to refuse to refund me the money I am owed. On XX/XX/XXXX, I made a XXXX XXXX XXXX using Affirm. The amount the loan was initially taken for was {$5000.00}. The loan was later partially voided for {$1100.00}, leaving a remaining capturable {$3900.00}. 

- XX/XX/XXXX, I paid {$2500.00} ; leaving my balanced {$1200.00}. 
- XX/XX/XXXX, Affirm received a {$2700.00} credit from XXXX XXXX, leaving my balance - {$1400.00} - XX/XX/XXXX, Affirm received a {$190.00} credit from XXXX XXXX, leaving my balance - {$1600.00} - XX/XX/XXXX, XXXX XXXX charged my Affirmed account {$54.00}, leaving my balance - {$1600.00} - AFFIRMED OWES ME A REFUND OF {$1600.00} but refuses to pay me. Every time I call, I get the runaround. Affirm customer service is the worst. 
- Someone from the executive department needs to contact me and fix this! 

All the attachments are my evidence that Affirm owes me {$1600.00}.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (PA)

I have given these Consumer Reporting Agencies plenty of times to remedy the issue. Here is my XXXX report showing NO BANKRUPTCY on my file. The credit report agencies have previously claimed this information has been " verified '' with XXXX, however it shows no where on my MOST RECENT XXXX report that this alleged bankruptcy has taken place. Remove it immediately. It is against the law to keep things on my consumer report that I am PROVING are not verifiable via XXXX. I have attached my most recent XXXX report showing NO bankruptcy.
Consumer complaint received 2022-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Giggle Finance Inc. (TX)

I wanted to pay off my loan, but the website will not accept my payment. Then, when I tried to contact the company to work it out, all contact information was wrong. There was no response. Now, there is no way to remove my card information from the system and stop them collecting each week. They want to charge me over {$1000.00} extra by not allowing me to pay off my loan now by having no contact information. I want this company prosecuted.
Consumer complaint received 2019-12-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-09-07
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. (FL)

I contacted XXXX Bank about erroneous charges on this account. It was agreed by XXXX Bank that through settlement this account would be deleted from my credit report. XXXX XXXX, and XXXX have not only failed to verify the accuracy of this account but also failed to remove it from my credit report. 

The account number listed on my credit report is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-04-21
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: CITIBANK, N.A. (GA)

I have submitted invoices to Citibank and filed complaint with XXXX to which the vendor claims they will not work with me. Citibank will not talk to me when I call which makes filing disputes incredibly difficult. I have paid over {$12000.00} to a merchant that has not fixed my diesel truck. It will not crank again after running less than 5 minutes. On the day I picked it up after driving it 70 miles it had to sit an hour before it would crank back up. This is after the mechanic had the truck for over a week. Citibank is not properly following through on documentation being sent to them. As a result, instead of working to resolve my dispute in my favor they are doing very little despite the annual fee of {$490.00} that I pay them.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MI)

I made a purchase of {$250.00} on Friday, XX/XX/XXXX, which was immediately canceled by the merchant ( within 30 minutes ) due to being out of stock. 

After the notification was received, I reached out to chime with proof of order cancelation & was told that the cancelation was already processed by the merchant and the money would be returned. 

Yesterday, XX/XX/XXXX, I called support to find out why the funds have not yet been released. I can not afford to have almost {$300.00} just sitting in limbo for days. I was told that because the transaction was canceled before being posted, it will take 7 days for my money to be returned- if the merchant let it post & then refunded, it wouldve shown up within 3 business days. I kept asking for clarification, because it seemed to me that a canceled transaction being held longer than a refunded posted transaction seemed strange, but couldnt get far with the phone agent. 

In my frustration, I asked for a supervisor and was advised he would just tell me the same thing, and proceeded to sit on hold. When it was clear I wasnt going to make any progress, I hung up. 


I have had numerous issues with chime from the way disputes are handled to the terrible customer service reps and their lack of understanding of the product/account, which causes issues beyond a simple error. Care should be taken when people have access to your money but Chime doesnt seem to feel the same way.
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (OH)

UNRESOLVED FRAUD ISSUE ON MY CHECKING ACCOUNT I mailed a check for {$50.00} to XXXX XXXX XXXX in XXXX. I received my bank statement in XXXX. The check had been altered to XXXX XXXX for {$7000.00}. 
I notified the bank and the police of the fraud. I completed multiple forms for the bank and a statement for the police. The paperwork included an affidavit of unauthorized paper debit. I have contacted the bank multiple times with no success. I am looking for help moving this forward and resolving this issue. 

Every time I talk to the bank they request more of the same thing. Each time they push the resolution time later for a month more. As of this week they have pushed the time back to XX/XX/XXXX. This is going onto five months of delay. I need assistance getting my {$7000.00} back.