davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc. (NC)

To whom it may concern I am writing in reference to what I feel are unfair lending practices with Earnest LLC Operation Company. In the wake the financial difficulty in relation to the COVID 19 pandemic, companies should not be allowed to create financial hardship for those who are already struggling finically On XX/XX/XXXX I received an approval to refinance a XXXX  loan that is in my ex-husbands name Prior to this approval, I never indicated that I was the primary borrower of loan, at the request of the companies representative provided the divorce decree as proof that although I was not the original borrower, I was legally responsible for repaying the loan and in no way misrepresented myself After reviewing the information provided the company extended a loan offer on XX/XX/2020 which I reviewed and signed in XX/XX/2020 The company is refusing honor the loan agreement post-approval because I am not the primary borrower I have spoken with several representatives with the company without success. I contend that if the situation has been reversed, this company would have consider this a legal and binding agreement
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Enclosed with this complaint, you will find copies of my dispute letters sent to the Credit Bureaus. I have been disputing with Experian, XXXX and XXXX since XX/XX/year>, of this year. Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Despite my follow-up letters that I have mailed out on several occasions the Credit Bureaus has failed to conduct a proper investigation or correct the errors as required under the FCRA, specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). These actionsor lack thereofare clear violations of federal law, as credit reporting agencies are mandated to ensure the accuracy of the information they report and to investigate disputes within a reasonable timeframe. The continued inaccurate reporting has caused me significant financial harm and emotional distress, as it negatively impacts my creditworthiness and ability to obtain credit. 

Thank you for your attention to this matter. I look forward to your guidance and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to request the blocking and deletion of fraudulent accounts and unauthorized inquiries listed on my credit report. I am a victim of identity theft, and these accounts were established without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to request that these items be permanently removed. 
XXXXaudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Louisiana Recovery Services Inc. (LA)

The collection agency Louisiana Recovery Systems is violating my rights under the No surprise Act of 2022. 
I have two medical bills in the amount of {$340.00} and {$810.00} that an out of network provider is charging without my prior authorization.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

A auto loan was taken out in my name XX/XX/2019. I was a victim of identity fraud and I reached out to the company and submitted dispute with the credit bureaus to have this account removed. The company ignore my calls for identity thief and the credit bureaus never verified my signature on this account.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (PA)

Hello, Today I called Navient to find out when my Student Loans would be discharged and the trade deleted from my Credit reports because the school, I attended was XXXX XXXX XXXX, which is part of the Lawsuit with the US Department of Education. 

The representative XXXX advised me today that Navient sent a request to all 3 Credit Bureaus on 4/18/2024 showing the balance PIF and requested they remove the entire trade line from my Credit reports. 

I told XXXX I never received any correspondence about my Loan being PIF or officially discharged, I asked her to send me a letter confirming because the Loan is still on my Credit reports as of 1 1/2 months ago, and that I would be pulling new Credit reports today.

I pulled my Credit reports, and the Trade line has not been removed, and my Student Loans are still showing a balance of over {$58000.00}. 

I called Navient back today and spoke with the representative XXXX, she advised me the trade line would not be removed, and the Loan would have to remain on my Credit file for the next 7-10 years. 

This is XXXX per the Lawsuit, this loan should have been discharged a long time ago and removed from all 3 of my Credit Reports. I do not have time to play games with Navient and babysit anyone from that office.

I need your help to get them to do right by me. Thank you for your help and take care
Consumer complaint received 2022-05-02
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. (MS)

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-12-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

So in XXXX Wells fargo closed my account held my va deposit for more then 10 days with no explanation for why. I had to physically go to the bank everyday and call a number the bank manager dialed for me to find out what was happening they were rude and hung up or told me nothing for 2 weeks straight. I only ended up getting XXXX in micro payments but my direct deposit was for XXXX. After that forward XXXX irs said my tax payments stimulus child tax credits were being sent to a Wells fargo account I no longer used Wells fargo but I went in to the branch and had them search for any open accounts with my name or XXXX name they said I had none ok so XXXX I had a XXXX dollar cd reaching 10yr I deposited in XXXX they could not find. Then this week I receive a cashiers check for a dispute with them unknown time and or what for when calling them to ask about it the check is for XXXX dollar only for my unavailable funds at the time of dispute. It says to deposit it at a atm but that would need an open account I still have the check becuase it doesn't reflect the correct adjustments.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have recovered from my identity being compromised and upon review of my credit report I notice this account was unfairly closed. I was in communication with this company while on XXXX XXXX and wish to have this account restored as it was not authorized by me. They lost payments and have had terrible communication but I was willing to make it work never wanted to close this account because it would affect my credit. Synchrony needs representatives who CARE and properly tracked payments and notes on calls. No one ever knew what I was talking about and they took the initiative to close and we find it interesting that many stores were closing too.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This debt collector attorney XXXX XXXX XXXX XXXX XXXX has used my private information without my express consent, authorized signature or court order. This debt collector attorney has used my private information without my express consent, authorized signature or court order. They are trying to collect on a 13years old debt with no notification or communication This attorney sent me letters attempting to collect a debt that I do not owe and sends court papers of garnishment tonwrong company. This attorney has misrepresented their real intentions and representation Desired Outcome To cease and desist attempts to debt collection activities on a 13year old debt that passed the statue of limitation and transfer debt collection to another debt collector company To not call my personal phone number and dismissed garnishment court papers. THEY ARE FRAUDULENT AND HARRASSING PEOPLE XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Ive been a target of identity theft and accounts were opened without my knowledge and On XX/XX/XXXX I sent in documents to Experian explaining how personal information was on my report that did not belong to me such as names, addresses and SSN, to my knowledge those information was removed, however the negative accounts that were opened fraudulently are associated and opened with those such names, addresses and SSN that were deleted from my report are still listed on my credit report, these negative items was not opened by me and is affecting my ability to build my credit and is hindering my ability to progress in life during these trying times I have been fighting hard to have my credit and good name restored but experian is refusing to remove these items, these negative accounts do not belong to me as its been well over 60 days plenty of time for the company to correctly investigate and remove and delete these items Ive spoken to the companies reporting and no one has helped me in my quest associated with those personal information that did not belong to me in the first place.
Consumer complaint received 2022-08-15
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. (NC)

A few months ago the credit bureaus announced all over national media that collections {$500.00} and under, and also collections that are PAID would no longer report on consumer credit reports. I have a collection from XXXX XXXX XXXX XXXX reporting on my Equifax credit report. I sent Equifax a letter about this collection that is PAID OFF and was only for {$79.00}. They made a promise to the general public those would be removed starting XX/XX/XXXX, I looked at my Equifax credit report and that collection is still reporting after my letter and as of today XX/XX/XXXX it is still reporting. It looks like Equifax is going back on its promise to the general public. I have sent them another letter today to remind them of this promise.
Consumer complaint received 2022-04-04
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. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

On XX/XX/2022 someone transferred XXXX dollars from a new USAA checking account to an old USAA checking account. The XXXX XXXX transfer was unauthorized. I created a new USAA checking account after a so-called " spoof '' attempt that occurred on XX/XX/2022.
Consumer complaint received 2021-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC (GA)

GLOBAL LENDING SERVICES committed fraud when they created an account on my behalf ; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount, so this means that Ive been credited. As a consumer with open ended credit, I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I will not be paying this alleged debt nor any future alleged debts. Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you XXXX XXXX are in violation as I never gave you my information directly ; Please also define loan or borrower under the FDCPA. Also according to XXXX  XXXX banks have been bankrupt and can't lend or extend credit so please explain to me who the original creditor is?
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I do have a loan with SPS XXXX # XXXX. This is my PR. During pandemic and lock down we got a deferred payment on our mortgage. XX/XX/2021 we got a letter from lender ( SPS ) that they are going to put our last 12 month mortgage payment in a deferred account and when we decided to sell or home it will be paid at pay off. Since than I have been in contact with SPS and requested to please reduce my mortgage interest rate, since during the pandemic my interest rate has been adjusted to 4 % and my mortgage payment with up. I asked lender ( SPS ) to do a loan Modification to help. After 6 month I have received a letter that the put me on a repayment plan!!! with that plan my payment has been increased more than a {$1000.00} a month!! I told them how you came up with this solution!!! " I asked to reduce my payment not to increase my payment!!! They have took the deferral payments ( Payments during pandemic and lock downs ) and added to my mortgage payment. and when I asked them I asked to do Loan modification, I got a letter that we can not reduce your mortgage amount. I never asked to reduce my mortgage amount All i asked to reduce my rate to 2 % and give a fix long term loan. 

Please help me, I really don't understand what these people are thinking, I tell them I can not make my regular mortage payment, than they increase my mortgage payment a {$1000.00} more! My loan was modified once with a rate of 2 % and why now they tell me my loan is not qualified?? it was qualified once, what happened now that it is not qualified again!!! I have never had a chance to speak with my relationship XXXX, always spoke with customer service and unfortunately they were not a help. 
This is my only home and do have an elderly living with me too. the amount of stress and anxiety this lender cost me is unbelievable. We have gone through alot due to this pandemic and have lost a lot. 
Please help. XXXX bless.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Applied jointly in late XX/XX/XXXX for mortgage refinance with our bank of 30 years, Citizens Bank. Seemingly intentional delay of processing for months, then when final employment verification was finally sent for one of us in XXXX, employment conditions had changed due to XXXX developed. Loan was denied. We are well-qualified for the loan. Asking for XXXX on a XXXX home that is almost paid off ( XXXX cash out & some payoffs included ) One of us developed serious XXXX issue ( XXXX XXXX ) that led to going on XXXX XXXX while waiting for this refi to get processed. Loan officer and local branch manager were asked to to consider upcoming XXXX  XXXX payments as income but ignored and loan denied. Loan was reprocessed at significantly higher rate and fees with only other spouse-we were told it was only option. That loan hasn't closed yet. 
XX/XX/XXXX we were accused by phone of misrepresenting employment verification in XXXX ; the transition to XXXX hadn't even occurred yet then and we thought we'd be continuing in regular position with accommodations at that time. That ended up not happening, but didn't know that then. 
We've shared concerns with local and regional managers at Citizens, as well as the CEO. I was told XXXX weeks ago by CEO 's office that they were investigating, but no information has been shared since. Local and regional management basically ignored the issue and pushed higher cost loan forward.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX : XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/201XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$680.00} XXXX  XXXX XXXX : {$0.00} U.S. Bankruptcy Court XXXX XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XX/XX/2018 XXXX, XXXX, A XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2022-05-02
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. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2023-03-23
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
NONE XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.