davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (TN)

In XXXX, XXXX I financed a XXXX XXXX XXXX with Exeter Finance. I purchased gap insurance through XXXX and maintained full coverage auto insurance on the vehicle. In XXXX of XXXX the vehicle was totaled in an automobile accident. My auto insurance through XXXX paid their amount fairly quickly and left a balance on the loan. The gap insurance through XXXX took over a month to pay and only paid a portion of the remainder balance. The balance remaining is mostly fees and interest. Exeter refuses to work with me on fixing the negative damage this has done to my credit. They immediately changed off the debt which did considerate damage to me.
Consumer complaint received 2018-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (MS)

I contacted XXXX XXXX two months in a row, to see where I stand with paying of my loan. Last month, I was told I have a balance of about {$1300.00}, with a payoff of roughly {$1100.00}. This month, when I called, I was told that I had a balance of {$1500.00}, with a payoff of {$1300.00}. This baffled me, so I requested a payment history showing the breakdown of principle, interest, and late fees. I was told they could send me a payment history, but it would not have a breakdown in that manner because this was not a simple interest loan, like an auto loan. I was confused, because this is the first time I was informed of this. They said they use the Rule of 78, which I had no knowledge of until today. I have been over paying this loan every month, and did not realize, nor was I informed by XXXX XXXX that this was hurting me, by charging more interest. When I applied an accepted the loan, I was told there is no penalty if I wanted to pay the loan off early. That was incorrect, based on the Rule of 78 calculating principle they use. I was mortified. Until today, I had never heard of this rule. So, by paying this loan off early, they are charging me MORE interest than if I followed their payment schedule. Had I been informed of this when I got the loan, I would have never accepted it, or any others I got from this form. I thought I was well ahead to paying the loan off early, to find out on today, XX/XX/XXXX, that I have been hurting myself.
Consumer complaint received 2020-08-21
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: EQUIFAX, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX., Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-08-21
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. (PA)

I had applied for a mortgage to buy a home. My credit report was run by the bank. As a result of the report, I discovered 2 derogatory marks from XXXX XXXX. I have never had a XXXX  XXXX flexible spending account as stated on the report. I called XXXX XXXX XXXX. I spoke with 4 different agents. The last call made to the bank was on XX/XX/XXXX. All four agents at XXXX XXXX  were unable to locate any account with my name or social security number. I was told that someone from the credit department would call me to discuss. I never received that call. After i spoke with the 4th agent, I was told to submit my dispute in writing and it would take 30 days to investigate. ( meanwhile, I am to close on a house that I now can not get my mortgage ). In the first week of XXXX, I called equifax and XXXX  to dispute these marks. I was given a case number and told they would investigate. On XX/XX/2020, I received a letter from equifax stating that the dispute has be closed and they have confirmed that the report is correct. however, when i called XXXX  XXXX, they could not locate an account number with the last 4 digits XXXX. So, how was equifax able to do so. Equifax fails to include the entire account number on the final dispute completion letter. Therefore, I am still unable to locate or verify any incorrect information. On the report stating the closure of the dispute, the account in question was listed numerically. XXXX XXXX was never able to locate any account when I contacted them directly. I am stuck with no answers from XXXX XXXX or from equifax. To this day, neither company has been able to locate nor confirm the status of this account. And, neither the bank or equifax has been able to furnish the complete account number in question. I am unable to obtain a mortgage and I am unable to have this derogatory mark removed from my credit report.
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

My student loan was transferred from XXXX XXXX to American Education Services. I received a letter saying that the loan would be transferred. The day after that date I logged into the American Education Services webstie ( www.AESsuccess.org ) but I couldn't see anything, I contacted their customer service and was told it would take 72 hours, at most, for the information to be uploaded and that I should check back on XX/XX/XXXX. Today, on XX/XX/XXXX I tried to make another payment and still could not see my loan information. Again I contacted customer service, and again they could tell me nothing about my loan other than that they were working on it and that it would take until XX/XX/XXXX. When I inquired if that date was certain or if it might take longer the customer service rep basically responded with " it might take longer '' and that I was not the only person who had a loan transferred from XXXX XXXX to American Education Services.
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CA)

Received a reliacard from US Bank that I never applied for or need. Called to learn that someone applied for unemployment benefits in Ohio and used my name, address and SSN without my knowledge or permission. Asked US Bank to deactivate the card and delete my attachment to any requests or involvements.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I need my credit file to be updated with the correct information I had some issues with incorrect items on my file. My current and on address is XXXX XXXX XXXX , XXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX please delete any other variation of my name. My DOB is XXXX. My SS is XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX I have cellphone numbers that do not belong to me on my credit please delete at once : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX.
Consumer complaint received 2020-07-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Auto Trakk, LLC (NC)

The debt being reported on my credit report by AutoTrakk is not being reported correctly. Upon pulling my credit report today, I still see that this debt is being reported inaccurately. I have made numerous attempts to rectify this with the AutoTrakk and with the 3 credit bureaus-XXXX, XXXX  and XXXX individually. I keep getting response to my method of validation request as " verified as accurate '' when clearly this account was not verified for accuracy as it is inconsistent and full of errors in comparison to my 3 bureau credit report. I have a right to request an account to be investigated. I want to ensure that everything on my credit report is an accurate representation of myself.For instance, my XXXX  credit report from AutoTrakk is reporting a monthly payment and a balance due on a charge off. I do not have any written payment agreement on file with this company so how is a payment being reported and the balance didn't change. I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. I am requesting that this be deleted immediately from all credit bureaus or update with the correct information and send me copies of all documentation that support the amounts and/or dates reported on my credit file for this company.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX agency is appearing on my credit report again. I have disputed with credit bureau. The XXXX still hasnt validated the account was mine and I asked it to be removed And it was from XXXX XXXX but is appearing again on XXXX XXXX and XXXX  and Equifax. This is hurting my credit report and need to be removed
Consumer complaint received 2018-02-28
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. (AK)

I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, PA XXXX Disputed Sums, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.
Consumer complaint received 2020-10-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (NC)

To whom this may concern : Im writing to you because I noticed that my most recent credit report contains incorrect information with Nelnet where you have clearly violated the law and have put on all of my credit reports.That is completely closed I want it removed immediately it is effecting me from getting a mortgage for my family I want it off of my credit now please and thank you
Consumer complaint received 2020-07-01
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. (MD)

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Consumer complaint received 2022-10-04
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: ALLY FINANCIAL INC. (IN)

The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
Consumer complaint received 2020-08-21
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: TekCollect Inc. (MO)

I have a loan with US DEPT ED, USDOEXXXX, and TEK COLLECT ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, US DEPT ED, USDOEXXXX, and TEK COLLECT ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (NY)

Despite having kept my account in good standing and never having presented any security risks such as lost-stolen cards or transaction disputes in the past, Netspend has placed a freeze on all prepaid cards associated with my identity after attempting a purchase with the Merchant XXXX through a local ATM nearby my residence that is also within the same zip code. 

Since the declined transaction was placed on XXXX, It appeared that NetSpend had frozen all of my card accounts, taking away my ability to transact or access my available funds. Currently, I have more than {$4000.00} on deposit with NetSpend, which is connected to 2 different prepaid cards, all which have been frozen. 

After speaking to a Representative in the Risk Dept, I was told to send pictures of my State ID Card, Social Security Card, and a letter from state medicaid to verify my address. 

Since the request, I have sent all of the requested documents, plus my marriage certificate to verify my new Surname which appears on my State ID Card as XXXX, although on the rest of my documents appears my maiden name, XXXX. 

I had received an email immediately after my documents were emailed to XXXX which stated my document would be reviewed within 6 business hours. After 6 business hours, I had received an email stating that my documents were reviewed and forwarded to NetSpend 's risk department for further review and would be contacted soon. 

I have received no contact from anyone at NetSpend since. It is now XX/XX/2020, and my card accounts are still frozen. At this point, I would like to escalate this matter a Manager because this is unnecessary, All of these security measures are being taken, although I have never encountered any financial loss tied to my NetSpend accounts. 

These security measures are being exaggerated. I need immediate access to my funds, due to the financial hardship I am experiencing as a result of NetSpend 's actions. I have never given NetSpend any reason to have to flag my accounts as a security risk.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was a victim identity theft. I tried to work with the creditors back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the accounts. I have sent a letter to the creditors on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. Equifax has not responded to my request nor have they removed the remark. I have sent them all the documentation sent to the creditors as well as copies of the completed investigations with the other two bureau 's and the removal of those accounts in question. Equifax continues to report XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  when they should be removed. XXXX  and XXXX  have both responded and both have removed all the negative remarks/accounts that were part of the identity theft.
Consumer complaint received 2022-12-01
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. (TX)

I am interested in disputing all incorrect information from my credit report with Equifax to help clear my file. a lot of information is invalid. an is hindering my file. please update all information to help my credit report.
Consumer complaint received 2020-07-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

We applied via telephone for the Covid19 forbearance in XXXX. This short call confirmed our grace period and nothing more. When I called XX/XX/XXXX to discuss tacking the 3-month forbearance to the end of our loan and begin repayment, I was told we did not qualify for the program because we had a missed payment. In XXXX, we paid {$2000.00} to catch up on our mortgage as a combined XXXX and XXXX payment. We were unaware that XXXX would not be covered under the forbearance program when we applied and were accepted XX/XX/XXXX. In fact, we weren't told until I called Wells Fargo to discuss the payment on XX/XX/XXXX. Please see the letter dated XX/XX/XXXX that makes no mention of this to us. Today, this leaves us in a very precarious position, one that makes the situation so much worse. We must now undergo a complicated process of modifying the loan based on income. There are no assurances we will be approved either. The only other alternative is to pay more an additional {$700.00} each month for six months until we are caught up, though we are not on our feet yet. Wells Fargo should have notified us upon our initial application that we would not qualify for easy repayment without the XXXX payment. We would have paid that amount before accepting the forbearance or else not participated in this at all. This is now XXXX and our payment is due. We still have no remedy and we owe {$3700.00} with no idea how to repay a debt that grows. I feel like we were tricked into a position that makes it entirely possible for us to lose our home. I am sure we are not alone. 

Note : I have attached copies of our mortgage, the XXXX letter and a screenshot of my email showing that were received no advance disclosure from Wells Fargo prior to accepting these terms.