davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-10
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. (FL)

Date XX/XX/XXXX Consumer Bureau : XXXX CFPB Case # : XXXX Original Creditor : XXXX XXXX XXXX, Closed Dear Credit Bureau Transunion, Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 

XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company Transunion have not removed the negative item I have fax police report to show my identity was compromised the account was closed to. they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that Transunion is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit I also attached the police report. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-12-10
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)

Equifax failed to positively verify the accounts and has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX XXXX XXXX XXXX, XXXX  ( ORIGINAL CREDITOR : XXXX  XXXX XXXX
Consumer complaint received 2018-12-10
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: FactorTrust, Inc. (TX)

I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of XXXX XXXX in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted XXXX XXXX and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( XXXX XXXX ) Debt amount XXXX
Consumer complaint received 2018-12-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CA)

After multiple disputes, XXXX/XXXX has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay XXXX/XXXX
Consumer complaint received 2018-12-10
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: Carvana Group, LLC (NV)

I receive a copy of my credit report and I notice a hard inquiry that is fraudulent, please remove this fraudulent hard inquiry from my credit report. I have a fraud alert in my credit report, I have been a victim of identity theft in the past. I never applied for credit with Carvana, please remove your hard inquiry from my credit report.
Consumer complaint received 2018-05-23
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

This complaint is for both Citizens One Bank and XXXX in advertising to consolidate/refinance student loans. The advertising is misleading showing a lower interest rate to gain interest and personal information. I have asked for a " rate table '' from each and they stated I had to go through the application process. After doing so, the rate is significantly higher than anything stated on the advertising. I have perfect credit, so I am complaining because I know no one is getting the stated rate. The advertising states 3.50 % but the lowest option is 5.5 % once I fill out the application. After that I get bombarded with emails, calls, and mail to the information I provided on the application for a " soft credit pull ''. Can you please stop these people from wasting time and trying to deceive people into worse student loan debt!
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (TX)

On XX/XX/2018 I received a notice from XXXX  regarding a credit alert. This alert shows that derogatory information from BMW Financial Services was reported as a new collection. 

The derogatory information shows as coming from XXXX XXXX XXXX as a collection in the amount of {$560.00}. 

On my credit report the derogatory information is showing as coming from BMW Financial Services Acct : XXXX. This account was a leased vehicle that was paid as agreed and the lease ended in XX/XX/XXXX and all balances were paid in full. 

on XX/XX/2018, I called both BMW Financial and XXXX XXXX and each company stated they do not have this account in collections. However, it is showing up on my credit report and I would like help to dispute it and have it removed.
Consumer complaint received 2018-12-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

In XX/XX/2017 I found out this company had a lien against my name, I attempted to contact the company and the company went out of business. I had no way of getting intouch with them to verify this debt. Today XX/XX/2018 my old employer received certified mail with a threat to put a Judgement on this business. This is NOT my debt and I demand for them to proof this debt.
Consumer complaint received 2018-05-22
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

My friends and family members are regularly receiving calls from " XXXX '' stating they were contracted out by " location services '' to collect my debt on the behalf of a payday loan that has been satisfied for years. 

They tell my friends and family members that I have a pending case against me and will be going to jail. 

When I call the number they furnish, they say they make no outgoing calls but refuse to give me their full name/address/etc ... all they ask for is my credit card and checking info. then I am threatened with a lawsuit and hung up on. 

I need them to stop calling friends and family members.
Consumer complaint received 2018-12-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2018 I signed a contract to sell my home at {$120000.00}. The settlement date was XX/XX/2018. TWO DAYS prior to settlement, Wells-Fargo, the buyer 's lender, shut down the loan due to paperwork missed and poorly recorded on their end. They claimed this was due to the date of the buyer 's second FHA mortgage being too soon to the sale date of my current home. Something that was either incorrectly recorded or something that should have been found long before XX/XX/2018. I was contingent on the sale and therefore could not purchase my new home later the day of settlement.

Since then, the home I was going to purchase was put back on the market and I had to put my home back on the market shortly before XXXX. This is the slowest time of the year for real-estate and I have received significantly lower offers on the home since this incident started. Offers I can't accept because of the purchase price of my new home.

Additionally, I had 1 business day to cancel all of the utility/service transfers as well as new accounts I set up for my new home. I had to intercept mail being sent to my new home, I had repairs I had paid for the buyers, and both of my cats got sick when being sheltered for more home showings. Not to mention all the stress and chaos I have had to endure over the past few weeks. I bought appliances for my new home that sit in a XXXX warehouse while my credit card gets hit for the purchase. I have had to add additional time to my storage needs and live out of boxes while I try to sell my home. I lost electricity for a day, which included my heat in the dead of winter, since it was such short notice and I was mis-routed to the wrong department the day prior.

My mental state is exhausted with the stress Wells Fargo put on me. Surely, the buyer 's family is suffering as well. I have worked numerous hours on reversing the outcome of Wells Fargo 's last minute decision and I am still feeling the affects of their clearly untrained or uncaring staff. My work-life has suffered and as a single owner and only occupant for this home, I am taking on all costs and time spent dealing with this issue alone. Soon I will lose the new home I was under contract to purchase as it has been too long for them to wait for me.
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (MD)

Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 

Title : Account Opening Bonus ( {$300.00} ). I received a flyer from BB & T to open a new bank account, per flyer I would be eligible for {$300.00} account opening bonus if I will keep {$5000.00} in my account with 30 days of account opening. I went to the BB & T XXXX branch with the flyer and opened an account on XX/XX/18. Per flyer language " Use promo code " XXXX '' when opening your account to get {$300.00} - offer ends XX/XX/2018 '' I asked banker to ensure that I get account bonus since I made deposit of {$5000.00} in my bank on XX/XX/18. I waited until XXXX end to receive {$300.00} bonus since I fulfilled all the conditions. I called BB & T customer care three times to  know whereabout {$300.00} bonus but they had no idea and they told me to check with the bank directly. I visited branch on XX/XX/2018 and explained the situation to business banker " XXXX XXXX '' he promised to look into the matter and resolve it by XX/XX/2018. After XXXX I made three follow-up calls to him but I did not receive any response. I am very unsatisfied with poor customer service and lack of accountability demonstrated by BB & T. I have original flyer clearly indicating that welcome bonus will be deposited within 90 days if {$5000.00} is maintained as average daily balance. Please help me to get resolution and promised bonus.
Consumer complaint received 2018-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Randomly received a bill in the mail stating that I owe Navient a total of XXXX principal and XXXX of Unpaid Interest ; last payment received XX/XX/12. This is the first time I am receiving any notice of a missed payment!! This is unfair and do not agree with this billed. Please help! This is the first time I ever heard of Navient. I was orginally signed with Sallie Mae services and believed my loans were paid in full. This is the first notice I've received about any bills or warning notices. Thank you for your time.
Consumer complaint received 2018-05-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear Sir/Madam, My name is XXXX XXXX. 
I am the client of Bank of American and Home Equity Account is XXXX. 
In XX/XX/XXXX, They offered me the promotion 1.99 % APR fixed through XX/XX/XXXX. And this promotional rate is only available on new draws by phone before XX/XX/XXXX. 
On XX/XX/XXXX, XXXX. I phoned to draw fund total XXXX to my check account. Of course I returned some during this period. And the Ending Balance is XXXX. 
This means all balance should be in promotion rate. see attached document 01 But the statement ( Billing cycle : XXXX ) is : All other transactions APR 4.41 Principal XXXX Finical Charge XXXX Where comes from all other transaction? My total draw fund ( by phone ) in XXXX is XXXX and this much larger than the ending balance. This means my ending balance XXXX is from phone transferred from Equity account to my check account and this should be APR1.99 not 4.41 as their promotion. All my transaction only through phone as their promotion requirement so all transactions rate should be 1.99 % as promotion. 

Same problem : BOA offered special promotion in XXXX : 1.99APR fixed through XX/XX/XXXX. And this promotion rate is available on new draws by phone before XX/XX/XXXX. I draw funds on XX/XX/XXXX, XX/XX/XXXX, total {$64000.00} by phone. See attached 02 But the statement ( Billing cycle : XXXX ) is All other transactions APR 4.66 Principal XXXX Finical Charge XXXX Where all other transactions come from? Why this principal XXXX is the same as last cycle ( as above said )? All my transaction only through phone as their promotion requirement. So all transactions rate should be 1.99 as promotion. 

As I am not native English speaker, please ask them reply me by writing form. 
My e-mail address is : XXXX OR XXXX. 

Please ask them correct these mistakes and do not make same mistake because last billing cycle they did same mistake and correct after your notice to them. 

Best Regard XXXX
Consumer complaint received 2018-05-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Equitable Acceptance Corp (CA)

I am a monolingual Spanish speaker, and a bilingual person typed this for me. Please correspond with me in Spanish. 

In XX/XX/XXXX, XXXX XXXX, cold called her. Shortly after, a sales representative for XXXX XXXX XXXX, came to my door offering to sell me a tutoring system for my XXXX year old daughter. XXXX XXXX told me that she could receive one-on-one, in person, tutoring services from one of your academic tutors once a week in our home. I was also told that there was a companion application-based course program. XXXX XXXX had us complete documents for contracts with both XXXX XXXX XXXX and Equitable Acceptance Corp. I paid a {$100.00} deposit. 

Originally, the first appointment was scheduled for XX/XX/XXXX. Your employee failed to appear at the appointment, and gave an excuse about some problem. Subsequent appointments were also missed with different excuses. My daughter has yet to receive a single tutoring session. Furthermore, I downloaded the app, but am unable to access the content. I have contacted your company repeatedly about these problems with no satisfactory response. 

Moreover, I have been made aware that XXXX XXXX XXXX, via the parent company XXXX XXXX XXXX, has had its corporate status forfeited by the California Secretary of State. Additionally, Equitable Acceptance Corporation has had its corporate status suspended by both the California Secretary of State and the California Franchise Tax Board. 

I wrote a letter to XXXX XXXX XXXX and Equitable Acceptance Corp. I have not received a response.
Consumer complaint received 2018-12-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

U have sent a previous complaint concerning my account but they were not properly answered. I want to state the questions more specifically. 

1. Your banker told me it is federal law to do so what you did to me concerning insurance. If it is federal law it must be public knowledge and so what law do you refer? I never gave any permission or signed any paper to agree. At the time, I was not advised when you started it. Also, you charged what you wanted.what were the guidelines? 

2. What law allows you to force me to pay for your insurance after I paid off the principal on the line of credit? I requested to not pay that and you refused and you base this for a reason to not release my lien. Actually I did pay it and you still will not release my lien. It seemed like blackmail to me. 

3. Your bank told me that I would be reimbursed the insurance money since it was covering a loan that no longer existed. Have you now decided to just keep the money and have me pay for nothing? What federal law covers that? 

Your bank cashed to check that paid for this insurance and fees. Why do you deny? 

4. In XX/XX/XXXX I went to wells Fargo and made an additional payment on principal and I was told the remaining principal was XXXX. In XX/XX/XXXX, after 9 months of payments, my balance was XXXX. Please explain how. In fact, please explain why this happened all the time, the fact that the computer balance always differed from what the bank stated. Please explain. 

5. When I called the home equity dept at one time about this situation i was told they were attempting to collect a debt. Please explain this when no payments were missed. 

6. In XX/XX/XXXX-XX/XX/XXXX Harp assisted me with payment to your bank. Everything was brought to date and stayed that way.Please explain what status you kept my account.
Consumer complaint received 2018-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (TX)

In XX/XX/2018, I called American Credit Acceptance concerning a late fee and to ask to change my due date. The conversation did not go well. After my call, they stop sending me my monthly statement showing how my payments were being applied. I sent them an email XX/XX/2018, stating that I had not received my monthly statements since XX/XX/2018. And, that I could not view how my payments were being applied on their website.

XXXX XXXX   <XXXX>, responded on XX/XX/2018 with an attachment that I could not access because it was time sensitive. As of today, I can see the dates that all payments have been received ; I just don't know whether the principal and interests amounts have been applied appropriately. As of today, I have a balance amount due of {$1300.00}
Consumer complaint received 2018-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Back in XX/XX/2018 I noticed that a collection agency by the name of Portfolio had listed a {$480.00} as a result of them trying to collect a balance on a credit card opened fraudulently with XXXX XXXX Bank. I have already submitted proof of this fraud and my FTC identity theft report to all 3 credit bureaus and they have removed the XXXX XXXX account from my profile. I need this to come off to because the account is not mine and was opened fraudulently. I am requesting to have this debt removed from my credit report immediately.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I have a student loan with Navient. I am on an Income Based Payment Plan. 

My monthly payments are {$180.00}. 

I paid my XXXX balance on XX/XX/2018. 

On XX/XX/XXXX, I check to make sure the payment was applied. But it was only applied to part of my loans and not distributed evenly as agreed upon. This caused me to have a remaining balance of {$100.00}. I called Navient and they fixed the problem BUT If I didn't check myself, I would have been behind payments at no fault of my own. 

Navient couldn't tell my why the problem occurred. And I found out this has been happening for the previous 3 months. I've been over paying my balance and Navient fixes it when its convenient for them. I am sure they are doing this to other consumers! Think about the consumers who don't check or the one who don't call Navient and continue to over pay.
Consumer complaint received 2018-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

I send XXXX XXXX XXXX in 2nd weeks XX/XX/2018 and I didn't get any respond I send my 2nd letter certified mail on the XX/XX/2018 to same address then they respond. I asked for a list of information and to validate the debt with my signature, electronic recording etc. that they claim is mine ( reference ID XXXX amount {$1200.00} ) and they refuse to provide those information and ignoring my request but yet still they still reporting to the credit agency which also as long as there's an investigation all reporting and collection should stop which they didn't comply which any FCRA laws and violate my rights as a consumer. I can't get no funding or any kind of approvals to help better my life due to fact they have ruin my credit and still is at this present time. if they can't abide by FCRA laws I demand they remove it and all negative remarks to be removed from my credit profile which have been destroying my life. I will include copy of the 1st and 2nd letter that was sent without my personal info on it. looking forward hearing from you, thanks in advance.