davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dyck-O'Neal, Inc. (NY)

In XX/XX/2018 this collector XXXX XXXX appeared on my credit report as a late payment. I had no idea who they was and what debt I had with them so I had to call and reach out first. Once I got in contact with this agency I was told who they brought the debt from and made it into a unsecure loan with them with past due balance of XXXX late payment of XXXX dollars. I never got one notice from this. Agency about this debt they have failed to set up a formal payment agreement and just decided to put a late payment on my credit report. My second call to them was asked for documentation of payment plan set up with them she failed to send me this information and claim the XXXX dollars is the same Payment I was paying to who they brought the debt from. Well this is invalid due to them postings this documentation they claim they sent me in the XXXX site and shows the payment was only XXXX weekly which is only XXXX monthly so the payment are wrong let alone me and this said agency did not make and agreement on a payment plan I refuse to pay this back until these late payments are taken off my credit report and Handled the correct way
Consumer complaint received 2018-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

I have a federal student loan being serviced by Navient and my account has been " disabled. '' It says to contact them for support but they don't have a support option for the time that I am able to contact them ( after XXXX PST ). I am unable to make a payment on my loan ( Which I already don't want to do ) and it is incredibly frustrating to be denied the ability to pay someone while being held responsible for paying them back.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2018-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My loan is currently serviced by XXXX XXXX. On or about XX/XX/XXXX, Rushmore received {$100000.00} from Keep Your Home California. The proceeded to misapply the funds, which has trapped me back into foreclosure. There is a foreclosure sale date set for XX/XX/XXXX. Listed below are my primary concerns. 

1. The statement on XX/XX/XXXX shows a suspense balance of - {$53000.00}. I am assuming this is the surplus money from the XXXX payment from Keep Your Home California aka KYHC. Why did KYHC issue a check for such a large amount when account was around 48K past due? Did Rushmore make that demand? If so, that constitutes fraud on their part. KYHC is due to run dry of funds before the end of this yeartwo years before the designated end date of XX/XX/XXXX. The fraud links directly to a government entity, which means that False Claims Act Qui Tam applies. I SIGNED A DEED OF TRUST FOR XXXX, SO ULTIMATELY I WAS RIPPED OFF BY RUSHMORE.AGAIN! 

2. Why is there a deferred principal balance of {$87000.00} listed on the payoff? 


3. KYHC was applied a large part of the XXXX towards principal. KYHC is a program designed to assist unemployed home owners catch up and make regular monthly mortgage payments.not pay down principal.again The False Claims Act applies. 

4. The loan never should have never been modified on XX/XX/XXXX,  since it was current from the funds KYHC paid.THIS MAKES ABSOLUTELY NO SENSE! The only reason is was modified, was so that Rushmore could hide the excess money paid and reset the clock. They did not want the dirty accounting from the original loan lingering around.especially if they tried to sell the loan via portfolio to a new investor on XXXX XXXX. 

5. The corporate advance fees listed below have extensive foreclosure fees, attorney fees and litigation fees that need to be accounted for. They need to show invoices from the alleged law firms that were paid.which they likely will not have. 

Breakdown of the corporate advance balances paid : {$200.00} FPIR ( FC PROP INPSPEC ) {$3300.00} FCST ( FORECLOSURE COSTS ) {$2600.00} FFEE ( FORECLOSURE FEES ) {$14000.00} LFEE ( LITIGATION FEES ) {$47.00} BCTC ( BK COURT COSTS ) {$36.00} BCST ( BK COSTS ) {$800.00} BATT ( BK ATTNY FEES )
Consumer complaint received 2018-01-20
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: Commonwealth Financial Systems, Inc. (MI)

Im not sure of dates but one was from XX/XX/XXXXone from XXXX through XXXX that i never had or did anything for, also medical bills through the med express when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.
Consumer complaint received 2018-01-20
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: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (MI)

Im not sure of dates but one was from XX/XX/XXXXone from XXXX through XXXX that i never had or did anything for, also medical bills through the med express when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.
Consumer complaint received 2018-01-20
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: Medical Financial Services, Inc. (MI)

Im not sure of dates but one was from XXXX one from XXXX through XXXX that i never had or did anything for, also XXXX bills through the XXXX XXXX when i had insurance through XXXX but they never paid it and added it to my account to make my credit bad.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I am trying to have a late charge removed from my credit report that was placed by Navy Federal Credit Union. I have contacted them and disputed this information because I payed the late charge before it went to collections and was told that there would be no impact to my credit report because I did so. This happened in XX/XX/XXXXand I have been trying to resolve this ever since and Navy Federal refuses to resolve this issue. When I request to speak with a manager I am told they are not required to transfer me and they are going to terminate the call. I was never notified that I was late even know I gave the account alerts set up. I have never missed a payment with them since or before this incident. I am disagreeing with it being over 30 days late. Again I just want them to honor what I was told when I called and made the payment.
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AZ)

Originally contacted by Ability and was told I was owed {>= $1,000,000} by the City of XXXX. I contacted Ability and let them know they made a mistake. Ability later notified me in writing they sent XXXX with incorrect information. Later Ability sent me a knew notice, an attempt to collect {$130.00}. I contacted Ability and disputed. However, Ability resolve. 

Failed to answer my dispute with anything other than the same form letter. 
Ability refuses to provide supporting information to the account they 're attempting to collect. 
Ability fails to recognize they 're original correspondence.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2018-01-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc. (NC)

A medical bill of of {$370.00} owed has been fully paid but the collection agency has incorrect balance, payment record and history. I had called and disputed the reported debt on the credit bureau, still it has not been corrected and continues to impact my record negatively.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

XXXX XXXX keeps sending me letters saying I am denied for their credit card. These inquires are not mine. I called and wrote asking for them to stop listing me as an inquiry for their credit card. I also asked for the application for evidence.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ARVEST BANK GROUP, INC. (OK)

On XX/XX/XXXX at XXXX XXXX, we went in to open a new checking account. We had {$2700.00} cash to deposit into the new account. The woman opening our account asked us how much money we had, we told her a little over {$2700.00}. She took the money from her desk back to the teller station to deposit it. She did not count in front of us before she took it. She came back with a deposit slip of {$1300.00}. We told her that was wrong and her reply was " Well the machine is n't wrong. You can call back in the morning to see if the drawer was off. '' By this time it was XXXX XXXX and they were closing the lobby. We left to make sure no money was left at home. 

XX/XX/XXXX, we went back to the bank when the lobby opened and asked to speak with the branch manager. The branch manager had n't made it in yet so we talked with the assistant branch manager. We told her the situation and she advised us to file a dispute. She pulled the screenshot of the deposit that was made on the bill counter and we immediately told her it was wrong because there was no {$50.00} bill counted and we know for fact there was one {$50.00} bill on the bottom of the stack of money. While she was filing the dispute, the computer had messed up to where she could n't answer all of the questions. She told us she had to add them in the comments. She said we should hear something soon on the dispute. 

XX/XX/XXXX, we went back to the bank to check on the dispute to learn from another bank employee that the dispute was never finished. She tried to complete the questions but was n't able to due to not being the one to file it. She called the branch manager and was told the branch manager had to do it and would finish it that afternoon. We were then told that the dispute would take ten business days and we would be notified by mail. 

XX/XX/XXXX, I called and talked with the branch manager to verify that the questions were answered and the dispute was filed and she assured me it was taken care of the day before. 

XX/XX/XXXX, I called to talk with the assistant branch manager to check on the dispute. she was on the phone. I left a message to return my call and never got a call back. 

XX/XX/XXXX, I called customer service to check the status on the dispute the person I talked to could not find it on our account. She then called the local branch employee who filed it to figure out what was going on. She then told me that employee would give me a call tomorrow due to the dispute office being closed for the day. Never got a call back. 

XX/XX/XXXX, I called customer service to check the status of the dispute and possibly talk to someone higher up since the branch manager had failed to return calls. Customer service found the dispute and attached another file to it and told me they would review it again. I also filed a complaint.
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2018-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On several different occasions, my credit report was pulled with out authorization. Listed below are the different companies XXXX XXXX XXXX inquiry from XXXX XXXX, XXXX, Capital One inquiry from XXXX XXXX, XXXX, XXXX XXXX inquiry from XXXX XXXX, XXXX
Consumer complaint received 2018-01-19
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: Experian Information Solutions Inc. (GA)

XXXX XXXX University has violated my rights under FCRA. They placed a charge off account on my credit report in XX/XX/XXXX that is inaccurate. They certified to Experian that I settled an account with them in XXXX. I sent a debt validation letter to XXXX XXXX over 30 days ago, and they have not responded therefore they need to remove the account from my credit report. They reported I settled an account with them, but have failed to provide proof that this occurred. I am planning to file suit due to their dishonesty. 

Experian continues to report debt but has not verified the accuracy of the account even though Ive disputed it several Times. Experian allowed XXXX to report this account last month as a charge off settled legally for less than what is owed. I never settled an account. I do not have an account with XXXX XXXX. This is inaccurate reporting and both companies have violated my rights under FCRA. I have filed a complaint through BBB. The next step will be a lawsuit against both companies.
Consumer complaint received 2018-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

I had an XXXX Store card from XXXX XXXX and I spent couple thousands dollars per month, and always pay on time. I accumulated couple hundreds of cash rewards without using them yet. Suddenly, they closed my account due to some technical glitch which is not my fault. I lost all my unused rewards, and I suspect that that is their way to make more profit by not paying the reward. Look at the bad review at XXXX XXXX XXXX where people complain about the same issue. 

I called them multiple times, and they kept transferring me to different department saying that they will transfer me to their manager and then the phone got dropped.
Consumer complaint received 2018-01-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (MD)

I applied for a unsucure personal loan.

With Wells Fargo. I have been banking with them since 1996. I submitted my XXXX for last 3 years and my last pay slip from Maryland before I was sent overseas to work for 6 months. I also submitted my 6 months of pay stubs in Euros. I was told from my local banker that my application looked good I have a credit score of XXXX  after having XXXX only two years ago. I was asked a few days later to submit my pay stubs again as they could not read them I did and then I got a call saying I was conditional approved. They also sent a email to say the same. Next day loan was declined I called in was told Wells Fargo are not able to convert Euros to US dollars.

They they said I could not use Euros as income. I informed them that I had to submit all my income with the IRS.

They then said I should try another lender I said I would not as I have only banked with them since 1996. They then said to try to include my wife 's XXXX  income I was a little hesitant to do this as she has some bad credit from 6 years ago. We did do the application it go declined was told because of my wife 's bad credit and also that I had changed jobs so many times. I have had the same job for six years and the job before was for 12 years. I have excepted the decline but did feel the treatment from Wells Fargo is fair and as this will put economic hardship on me as I will probably not get a loan else where after my credit shows Wells Fargo pulling my credit twice.

Regards,
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MI)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Below is the requested documentation for my personal identification
Consumer complaint received 2018-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have asked AES numerous times for ALL my loan records as one loan seems completely made up. The information does not match to any loan made by me. The date they started reporting it was XX/XX/XXXX. However, it shows it was opened in XX/XX/XXXX. I never opened a loan on that date. There is a whole 8 years gap of reporting, which is illegal. In addition they fraudently wrote it off for {$65.00}, XXXX and sold it. The other loans I did take out were open prior to that and did not exceed $ XXXX. They were reported in XX/XX/XXXX, than this loan for an absurd amount was reported years later. Their practices are illegal and false.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

The duty pursuant to the FCRA, it EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX Bank account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate reporting of late payments on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.