davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has failed to comply with the FCRA rules in reporting. I have closed my account. I requested verification and they failed to verify and to remove. Not only they failed to close my account properly. they reported inaccurately. I have disputed this with them and they refused to do the right thing and remove it. Please take a snapshot at this document I am enclosing as it supports and demonstrate the amount of inaccuracy they have done. inaccurate balance reported in accurate open date in accurate disputed information in accurate the rules says that their reporting has to be 100 % accurate if this is inaccurate how do you guarantee that their slander is true. see for yourself. they should be penalized
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NC)

I had XXXX XXXX done at my doctors office by a third party. The XXXX  company was paid in full by my insurance company except for {$25.00} that my insurance company said was not covered for XXXX XXXX XXXX I am currently appealing the {$25.00} charge as my XXXX is covered 100 % by insurance. After being paid by my insurance company the XXXX company redid the bill and billed me {$40.00}, which did not include the {$25.00} being appealed. I sent the XXXX  company copies of the insurance claim and explanation of benefits several times. I also contacted my insurance company and my doctors office who both said this was illegal and they would get it straightened out. I guess not, because the XXXX  company turned the erroneous bill of {$40.00} over to collections
Consumer complaint received 2021-03-13
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. (TX)

XXXX XXXX XXXX Reported : XXXX. XXXX, 2021 {$340.00} XXXX XXXX  I Reported : XXXX XXXX, 2021 {$410.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2022-10-13
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: LEXISNEXIS (FL)

HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and XXXX about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the Company LexisNexis Consumer Center too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. Then, why does XXXX and XXXX doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MI)

I turned my lease in at the end of XX/XX/XXXX. There was some paint damage that I filed an insurance claim to cover. The insurance company approved the repairs of just over {$11000.00} and we paid insurance to then pay them to fix the damage. We were told everything was completed and done. About a year later, sometime in XX/XX/XXXX, I got a notice from my credit report that I had a delinquent account and I checked and it was for Ally Financial, who I had the lease with. They were saying that we owed almost {$20000.00} on the lease we turned in. We called them and they could not explain why we owed the money. From then until now ( XX/XX/XXXX ), we have been on the phone from hundreds of hours with Ally trying to figure out why we owed this money. They have updated the credit report several times with many different outcomes over the last year+ including charged off, repossessed, payments missed, current, and everything else in between. Over this time period, we have only received 2 letters in the mail from Ally, both with conflicting information and amounts we owed. They have never contacted us via phone, email, or mail otherwise. My credit score has been damaged as a result of this, going from around a XXXX down to below XXXX and now back up to XXXX. I continuously call and talk to different people and no one has an answer and can not understand the notes on our account. Sometimes we get someone who promises to figure it out and get back to us and never does. We have spent almost every day off we have had in the last year trying to call and get an answer with no resolve. Today, I received a letter in the mail saying that we owe {$6200.00} and that they are willing to settle the debt. I still have no explanation as to what this debt is for and why we owe it. Can you please help us?!
Consumer complaint received 2022-08-23
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. (MI)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX * XXXX XXXX  ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX  ACCOUNT # XXXX * XXXX XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX XXXX  ACCOUNT # XXXX * XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX # XXXX * XXXX ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX  ACCOUNT # XXXX * XXXX XXXX # XXXX THESE ( 19 ) ACCOUNTS HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-14
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: DISCOVER BANK (MA)

For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX Discover card # XXXX issued XXXX I dont know any thing about this card and never been in my possession on XX/XX/XXXX at XXXX XXXX  I called discover customer services I told them that I never receive the card mentioned above I also stated that I never sign any application for that card I asked the rep to give me any proof of signing any application the send me a form to fill for investigation. On XX/XX/XXXX I received a discover letter stated that the application I requested is not retrievable. 
On XXXX, XXXX at XXXXXXXX XXXX I called XXXX ( discover rep ) I asked him if customer services fix the issue and remove my ownership of the card ending XXXX out of credit agencies he told me that he will send me a form to fill for disputing the owner ship of the credit card I filled the form and returned it direct. On XX/XX/XXXX I received discover letter stating that the card issued on XX/XX/XXXX was sent to XXXX XXXX XXXX XXXX MA XXXX meanwhile my address was and still XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX / XXXX XXXX XXXXXXXX Representative she said that she will start a new investigation and to send me any proof of ownership of the credit card I kept calling an calling but no solution. 
The card mentioned above was reported in my XXXX  credit report since XXXX I filled chapter 7 bankruptcy on XX/XX/XXXX if the card mentioned above was in my possession why wouldn't include it in my bankruptcy. after long searching I hired an attorney to sue discover On XX/XX/XXXX my he sent a letter to discover regarding the card but my bad luck was that he passed away before follow up. Lately discover claim the amount that was not related to me with a form 1099 to pay taxes on.

I don't know what to do I hope you help me avoiding the tragedy that I suffer years and years they hurting me financially I still can not buy a house. I am still looking for an attorney who accept sue discover you don't believe how nit was and still hurting me.
Consumer complaint received 2021-09-08
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (VA)

The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before that
Consumer complaint received 2021-03-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

I have contacted XXXX about this account. I have been disputing this account since XX/XX/XXXX. I have sent a total of 7 letters to the credit bureau 's disputing this account. I have sent debt validation letters to XXXX and to XXXX XXXX XXXX XXXX XXXX XXXX. I have sent certified letters to XXXX on XX/XX/XXXX XXXX XXXX ) and they did not respond back to me in 30 days. So I sent another letter back out to them asking them for more verification about the debt on the account ( XXXX ). I was ask them for proper verification about the debt and they sent me a letter saying that they conducted an investigation, and was unable to substantiate the allegations in the dispute. I just received letters back from the credit bureaus on XX/XX/XXXX and I saw that updates was made. But, how was updates made and I been disputing this account since XX/XX/XXXX? They should'nt be making updates now bc I haven't asked them to update anything. I just don't understand how they can be updating this account. The credit bureaus should not be updating anything about this account.
Consumer complaint received 2021-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (SC)

I got behind due to reduced income as a result of the pandemic. I tried to get assistance through Ally, my lender in XXXX. What I really wanted was a repayment plan to get caught up. The person who answered the phone somehow doesn't have the authority to access my account. So he transferred me to another department. The new department said that it is the job of the previous department to assist with this request. They transferred me to another person who said I should just call back another day and the call ended. The company started calling me at work hours. Every time they called, they would hang up after the first ring and I didn't have time to answer or I had a notice of a call and it had never rang. I finally was able to call back. This time the person I spoke with said I could have an extension.after many questions, It sounded like he was trying to offer forbearance. He said the pYmenr would be made at the end of the loan. I asked it this would be a balloon payment. He had no idea what that meant. So he transferred me to a female who was extremely irritated that he was bothered. She refused to answer the question because she didn't see that I hand been approved for nor did I have an extension. She told me that I had to ask for it on the app andd the call was terminated. I sent another message about this on the app. I paid my payment for XXXX online. And I got a response to my written request. The response was that I had to call them. They continue to call me at work during work hours. I did finally catch one of their calls. It was someone thanking me for my payment and sing I was up to date. I said that seemed strange because of how I had been behind. She said she had not looked at the account and when she did she said that she guessed am behind and to make a payment. I called back this evening. I explained what has been happening and that I needed. She said she would give me rips on paying my bill. I told her that is not what I need. I need a repayment plan. She too said something about an extension and then told me that time it is and that they close in 30 minutes. She then said I should make more smaller payments through the month. I finally said I didn't think we were.cimmunicaribg because she is not giving me what I am asking.for so I asked to speak to a supervisor. She said no. I asked her to clarify and that she was denying.my request to speak to a supervisor. And she said that I may not speak to a supervisor. I asked he for her identification number because I would be including it here in this complaint. She said it is XXXX. I just want to be able to get caught up. I thought lenders/loan servicers were supposed to h be helpful during this pandemic. Up until now, they have been everything bit helps. They need to pay a fine for the run around and heartache they are providing me. They should figive at lesst half of the XXXX of arrears because of their unwillingness to help.
Consumer complaint received 2021-03-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ProCollect, Inc. (TX)

Company is a third-party debt collector ; attempting to collect on a debt that has passed its statute of limitations.I have relayed letters to the company, to notify them of my consumer rights and in an attempt to have the blemishes removed form my credit report. Even after recieving my letter, the company continues to attempt to collect and is damaging my credit, while taking no regard for the federal and state statues that apply to my situation.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

In early XXXX, I paid tuition to my son 's school for the following year via XXXX ACH transactions from my Wells Fargo checking account. In XXXX of XXXX, we were informed that the school would not reopen in XXXX of XXXX due to financial collapse. We were told at the time that our tuition money would be returned. Our tuition money was not returned, and promised services were obviously never provided. In the following months, we learned that the head of the school had behaved fraudulently ; she continued to collect tuition money even after she knew that the school was not viable. We do not know where the money went. 

At the time I did not realize I had any recourse, but in XX/XX/XXXX learned from other former parents of this school that most of them had their payments returned by their banks upon filing a fraud complaint. ( These were also tuition payments made by ACH transactions from a checking or savings account, from banks including XXXX and XXXX XXXX for example ). I immediately filed such a claim with my bank, Wells Fargo. After many administrative errors on the bank 's part, the claim was finally filed. I offered to provide documentation and additional information about the fraud that was committed ( this is available in court filings, media reports, etc ) but was told that it was not necessary because the bank would do its own research. 

I received a denial of my claim that indicated that I could request the research materials used to make the determination, which I did. Over a month later, I received a generic form restating my claim ( date, amount, etc ) with no additional information, suggesting that no actual research was done. I called to ask if I could appeal and provide the additional documentation and was told no. At one point I was told that my bank has to " follow federal laws about what claims may be honored and federal law does not allow my claim to be honored '' but clearly this is not true because multiple other banks have refunded the same claims to other families. 

The bank 's rationale is that I authorized the payment initially, so it can not be fraudulent. My argument ( and apparently the reasoning that other banks have followed ) is that my authorization was based on fraudulent information. It is frustrating to me that the claim has been denied with no actual research into the circumstances of the charge, a considerable amount of time and bank error/sloppiness, and that there is no appeal process but only an automated process that does not seem very robust. 

I have quite a lot of documentation -- emails from the school, court filings, media reports -- but am not sure which are helpful. Before I attach them all maybe CFPB can provide guidance. I am attaching the letter from my bank ( on which there appears to be another administrative error -- the date of one of the transactions which again raises questions about the process ).
Consumer complaint received 2021-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

This is a loan from XXXX XXXX through Firstmark services ( Third Party service ). I had availed 9 month COVID forbearance starting from XX/XX/2020 to XX/XX/2020. I called Firstmark Services in XXXX and asked about other financial forbearance programs that I can avail since my COVID forbearance was coming to an end. One of the agents said that I had a few more months ( 3 months to be specific ) in my COVID forbearance program that I can avail after which my normal forbearance program ( 10 months in total ) can be applied. 

This happened to be misinformation as my COVID forbearance program was completely done by XX/XX/2020. Moreover, Firstmark Services automatically applied the normal forbearance to my account ( 10 months divided into sets of 2 month forbearances ) for 2 months. I wasnt informed in any manner about this. Since Im currently unemployed, I had made financial plans according to the information they provided in XX/XX/2020. 

I called Firstmark Services and explained this whole situation. They apologized and provided loan modification option which will affect the borrowers and co-signers credit score. I requested at least an extra 2 month forbearance since it was a mistake of misinformation on their part. They said they cant help me with the COVID forbearance program and I cant avail another 2 months of the normal forbearance if I havent made 12 payments after the previous 2-month forbearance. 

This seems to be totally unfair as I was misinformed about the forbearance options and I had made financial plans according to the wrong information they provided. This is more of a strenuous situation now as Ive been unemployed for the last few months.
Consumer complaint received 2022-10-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

This complaint needs to be flagged for emergency review. 

Again today, XXXX XXXX XXXX flagged complaint XXXX as a duplicate. They errored in their actions today in multiple ways. 

1. They did not reference the duplicate complaint they were comparing todays dispute with to properly tag it as a duplicate.

2. According to the rules as stated clearly on this dispute form, the lender in this case the furnisher, should have included the steps they will take or did take to address this complaint.

3. They falsified this document.

4. They violated the fair credit reporting act by as stated above, and deprived of my rights to due process by falsifying this complaint they unfairly and willfully falsified this Document not all with to participate in the dispute process at all and deprived me of the opportunity to be successful in this dispute. 

I demand that these criminals be removed from my credit report.
Consumer complaint received 2021-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AL)

I received an alert from my credit bureaus saying that I have a collections report from a company named Credit Management XXXX XXXX This agency states that it is attempting to collect a debt on behalf of XXXX XXXX for a past due amount of {$160.00}. I tried to contact this agency to no avail. I then contacted the creditor for which this agency stated that they were acting on behalf which is XXXX XXXX. XXXX XXXX representatives stated that they do not have my name or personal information ( SSN, Driver License Number, Addresses ) in their system and therefore advised that this may be a false account. This has severely impacted my credit score which I have worked very hard to maintain. I do not have any contract or agreements with Credit Management XXXX XXXX  or the creditors for which they are representing and therefore am requesting that they remove my information from their system and correct their report. 

Credit Management XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Phone Number : ( XXXX ) XXXX