davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NC)

I have been trying to open a new bank account but every where I go they say Im in XXXX XXXX because I owe Wells Fargo. I dont even owe Wells Fargo anything. Wells Fargo was taking money from my account! One time they took out over {$200.00} and they could not tell me where the money went.it was others times where small amounts was missing from my account or I would get charge fees I didnt even know about.
Consumer complaint received 2023-01-22
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. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below by law credit reporting agencies are required to report up to date and accurate information i have attached my report showing all innaccurate information, including 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 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

I have been trying to remove these fraud alert remarks from my equifax report for the past 2 weeks now. I've mailed requests, faxed requests and gone over the phone with equifax staffmembers who have swore to me these fraud alert remarks would be removed after me passing phone verification for them to manually remove them, staffmember said it would be off within 48 hours. This call was taken place on XX/XX/XXXX, I look at my profile today XX/XX/2020 and still, the alerts are on, the staffmember even gave me a confirmation number to keep for my certainty. Confirmation # XXXX was the fraud alert removal confirmation he gave me. But all in all, Equifax doesn't do their job, once again, per usual, now i have to file this complaint because without surveillance, Equifax just doesn't do their job for consumers, its plain as day. I've attached the few sheets ive mailed and faxed Equifax over the past two weeks authorizing them to remove the alerts and displaying what i see in my Equifax credit report subscription portal and once again, TODAY! This is madness and needs to be handled asap.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One lowered their interest rate on my XXXX money market savings account. They created a new savings account called performance savings with their standard competitive interest rate and the same terms of the old account type. I asked to switch my account types, and I was instructed that I could not switch account types and I had to open a brand new account and move funds and close my old account. This appears to be a scheme to not give me their standard interest rate until I noticed. I should not have had to open a new account with the same terms just to get their standard interest rate. I feel this is a scam to generate new account sales instead of just switching my account type.
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

When I purchased the home in XXXX I was paying less than {$600.00} a month. Then through out the year it would go up sometimes up to {$900.00} or to {$1100.00} a month. I would called them for the increase. There response was escrow when up. I did not understand what they were telling me. I'm a first time buyer. So do not know much about mortgage. The years when by. I noticed my home mortgage payment would not go down. I complained a few times. Would not get a answer. I felt they were keeping my payments and the balance would not go down. On XXXX it showed balance at XXXX. I bought the house for almost XXXX. Where did my payments go for so many years. On XXXX it showed I owned {$95000.00}. Then it was waived on XXXX. Due to Covid. I was having problems making payments. Then started making payments on XXXX. I noticed the balance when back XXXX {$11000.00}. That was the balance when I bought the home. I called and they won't give me answers. I feel they have and still taking more money for m mortgage. I'm behind XXXX XXXX right now. They want me to pay {$3000.00} by XX/XX/XXXX. I don't have the money.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of XXXX, I received my monthly mortgage bill. The payment due was showing {$1100.00}. That exact amount was paid on XX/XX/XXXX. 
I received a letter dated XX/XX/XXXX claiming that my account was 15 days past due. and that a late charge of {$57.00} had been applied. I immediately called customer service. They seemed confused themselves and I was told I would get a call back the next day. 
When I finally received a call back, i was explained that the amount on the last bill was not a payoff amount. I insisted that I paid the amount stated on the bill and that I could not understand why my account was considered late. 
After a few calls, I was finally given a payoff amount of {$220.00}, which I was first told could not be paid over the phone and that I needed to wait for a letter stating the payoff amount. 
By then, more time had gone by and the amount I was to pay was {$320.00}. I called on XX/XX/XXXX and, surprise! This time the payment over the phone was possible! 
Then I received another bill for {$77.00} Then a " Request For Mortgage Assistance Application '', followed by a credit on my bill for {$120.00}, but a refund check for {$72.00}. 
I would have expected from my mortgage company to send payoff amount before the term, just like another mortgage company did for my wife. I could have avoided all that confusion and a credit report showing a late payment of under {$100.00} and a loss of over 100 points off my then exceptional Fico score. 
I feel that the reporting has been unjustified and unfair and wish you review this to help me resolve this.
Consumer complaint received 2020-05-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

I am filling a complaint because my Navient student loan was recalculated without my consent in a manner that I believe to be illegal. Additionally, the communications I received directly from Navient concerning forbearance proved to be misleading and unnecessarily confusing. This is especially disheartening as I am ending the end of my loan and have never missed a payment in over 30 years. 

On XX/XX/XXXX, the State Government of Ohio declared a shut down due to coronavirus. At that time the President of the United States informed the public that the interest rates on federal student loans would be 0 % and student loan holders were advised to call their lender if their employment was affected. 

XXXX XXXX XXXX officially closed routine medical care practices on XX/XX/XXXX leaving me, a XXXX XXXX  XXXX, out of work until the opening on XX/XX/XXXX. I called Navient on XX/XX/XXXX to inform them that I was out of work dut to Covid-19 shut down and that my ability to make payments of {$540.00} could possibly be affected. The Navient representative told me that I did not qualify for 0 % interest, but I could still make payments. I made it abundantly clear that I did not want to do anything that changed the terms of my loan. This representative assured me that my loan terms would not change. 

I have enclosed my account summary information that confirms a full payment of {$1200.00} well in excess of the {$1000.00} due for the month of XXXX. Despite this, I received notification that my loan balance had increased by {$4600.00}. After receiving this notice I immediately called to have forbearance canceled. This request was ignored. I have since received correspondence stating an increase in payment from {$540.00} to {$570.00} until XX/XX/XXXX. 

Upon questioning Navient, on XX/XX/XXXX, about the increase in payment and failure to cancel forbearance I received a strange answer. I was informed that the payment increase was due to a miscalculation between Sallie Mae and Navient that occurred during a transition between the two companies in XXXX. This is simply not an acceptable response and I am requesting my loan terms be restored to their pre-crisis level.
Consumer complaint received 2020-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Merchants and Medical Credit Corporation, Inc. (MI)

XX/XX/XXXX I emailed XXXX XXXX  XXXX  for an account summary from my previous schooling in the Winter of XXXX. They responded XX/XX/XXXX with an account summary totaling approximately {$1400.00} ... it was confusing I received two totals one for {$1400.00} and another page with a different total of {$1400.00}. I also received an account summary from the collection agency they sold it to and there was also a mistake on that summary. XX/XX/XXXX I paid the collection agency {$200.00} bringing my account to a total of {$1200.00} but my payment was rescinded the same day. Theres two transactions on XX/XX/XXXX. One showing my payment and one canceling my payment bringing my total back to {$1400.00}. I have a bank statement that shows my payment of {$200.00} to the collection agency. But, the bigger issue is the amount on my credit is {$1900.00}. When my account summarys show totals in the $ XXXX range. So I emailed again on XX/XX/XXXX and asked how did my total get to {$1900.00} if my account summary only shows an amount of {$1400.00}. They responded XX/XX/XXXX and stated the differences were due to collection cost so I asked them to send me an account summary that reflects that total on XX/XX/XXXX. That same day they emailed me another account summary with a different total of {$1700.00} ... still {$200.00} away from the actual {$1900.00} thats on my credit. Not to mention the {$200.00} that I paid to M & M collection agency that was never credited to my account.
Consumer complaint received 2020-05-19
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. (OH)

The below accounts do not belong to me, I have tried to deal with these companies and they do not remove these items, I never applied for any of these account and I cant even rent an apartment. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART  PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (AR)

I Recently used a credit repair company and they didnt help much. Although it was true I didnt recognize the following accounts. XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} CHRYSLERCAP XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$760.00} XXXX XXXX {$83.00} XXXX XXXX {$330.00} XXXX XXXX   XXXX {$260.00} XXXX XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dishonest behavior on part of Bank of America. 

I'm entitled to {$300.00} bonus for opening a business checking account at Bank of America, N.A. The bank refused to pay the bonus. 

I opened a " Business Fundamentals Checking '' account with a {$300.00} bonus per a special offer for opening a business account. 
This special offer ( invitation ) was showing for me while doing online banking. 
Per the offer, to earn the bonus the following 3 requirements were listed : 1. Open a new Business Fundamentals Checking or Business Advantage Checking by XX/XX/XXXX ; 2. Deposit new money of at list {$5000.00} within 90 days of account opening ; 3. Make five qualifying electronic payments within 90 days of account opening.

All requirements to earn the bonus were completed.

A " Business Fundamentals Checking '' ( acc. XXXX ) was opened online on XX/XX/XXXX with the proper code inserted ( XXXX ). 
{$5000.00} ( a check ) was deposited on XXXX. 
Five qualifying electronic payments were completed shortly after the account was opened. 

Per my telephone conversation with a bank representative for business accounts ( XXXX @ XXXX ) on XXXX, the bonus was properly attached to this account. 

On XXXX I sent a letter to the bank asking to pay the earned bonus. 
I received back : " Unfortunately, your account doesn't qualify for the Checking Deepening Offer promotion because The account product opened is not eligible. '' Attached : Image of the {$300.00} bonus offer showing in my online banking. 
Images of the full offer with the requirements. 
Images of the online application process. 
My letter to the bank Reply from the bank A bank statement showing the type of the account.
Consumer complaint received 2021-02-21
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: WELLS FARGO & COMPANY (AZ)

Disputed inaccurate information being reported on XXXX by wells Fargo. sent letter to wells Fargo XXXX said they needed more information to verify account. at that time they where reporting 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX with no 30 days late before that. after they first dispute they changed the months to 60 days late in XX/XX/XXXX and 90 days late XX/XX/XXXX again with no 30 days late before the 60 days. they made the change in XXXX Sent in A second dispute letter with drivers license full account number same as first letter. this time i did not receive a response back, but the again changed the report with XXXX to 60 days late in XXXX and 90 days late in XXXX with no 30 days late before the 60. still not correct it to 30 60 days late which is what they are reporting to XXXX  and XXXX they changed the info in XXXX. 

I received an email from wells Fargo stating XX/XX/XXXX that they are reporting correctly but the next paragraph down says they found inconsistent reporting. also received the letter from the second dispute saying that they are reporting accurately. But yet they are not. They in violation of the FCRA rules by reporting inaccurate information. XXXX failed to do their job as i disputed this with them should have been deleted at that point. all I wanted was for it to be corrected. now it needs to go away.
Consumer complaint received 2020-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I sent a message to my loan servicer, Mr Cooper. In my message I asked them to waive an old late fee on my account that was invalid. I asked them to waive it because I was trying to pay my mortgage ahead 4 months but that late fee was preventing me from doing it. I sent them that message in XXXX. They proceeded to put me on a forbearance plan that I never asked for did nor did I need. I did NOT lose my job during the virus crisis. I was perfectly capable of making my payments and in fact was trying to pay ahead 4 months. When they put me on the forbearance I emailed and called them three times and told them to remove me off of the forbearance plan because I didn't need it and didn't want it. To this day, they still have not removed me. It's incredibly disheartening. 

I want to be removed off of the forbearance plan and I have tried numerous times tell them to remove me but they have yet to do so. I never signed any agreement to be on a forbearance nor did I ever asked to be on the plan. I understand that some people needed it because they lost their jobs but why would you force somebody on a forbearance who has a job and is able to make their payments? And it's unacceptable to disregard the numerous requests to be removed.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (AL)

On XX/XX/XXXX, I had an XXXX XXXX interview for XXXX employment. During the investigation, I learned that the only derogatory note on my account was a " Charge Off '' from Southeast Toyota Finance. It was related to a XXXX XXXX XXXX lease. At the end of the lease, I paid the final balance in three ( 3 ) payments. 

On XX/XX/XXXX, I spoke with Southeast Toyota Finance and learned that a charge off was incorrectly placed on both my wife and I credit. The representative requested that we initiate a dispute even though SETF placed the derogatory information on our credit in error.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/2012 my account with Bank of America and over the next two and a half or six individuals turn that over {$34000.00} and we're in my account paying the bills and taking them and their statements statements what's some address in XXXX XXXX I've never been to but I was in XXXX now time with all this going on I know when I can I filed one complaint and they said that they were list 8 release about a year but they won't release any cancel checks and all those checks are XXXX 's and don't have my signal and I'm suing them and I need the rest of the information they know they're holding back information the last year-and-a-half ago did XXXX said I got a deposit or anyting else and so I don't want to make them sure that they give me all the information of my hair it is 8 years later and I don't have all the info whenever my account now I don't understand and then they lied and said they didn't have it and it came up with it XXXX if we were at the XXXX XXXX Police department is investigating this and I've got a lawyer while I'm suing them when they're trying to settle out of court but I need that information cuz I've got to sue the other little to get my money I don't I can't be any clearer 8 years and it still won't give me the rest of the Bank of America