davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (IN)

I currently have a home mortgage with Wells Fargo home mortgage company. For over 7 years they have failed to report any of my payments to any of the credit bureaus. Over the last 7 years I have contacted them several times to request that they correct the issue with no resolve. I recently spoke to a representative in their executive complaint department named XXXX who assured me she would look into this matter and find a resolution. Approximately one week later she informed me that they had began reporting in XX/XX/XXXX but would not be going back to crack the last 7 years. She said there was an error in their system that affected several people and it was too high of a risk factor for them to correct the report because if they fix mine they would have to fix other people 's and it could be a risk for Wells Fargo. It does show that they are have been reporting since XX/XX/XXXX to one credit bureau but not the others. This has affected my credit score dramatically. I need to refinance my home to get my ex-husbands name off of the loan and I can not do that because they require a higher credit score than what I have currently. I feel that if they would have corrected my payment history my credit score would be well above the requirement to refinance. If I did not pay my payments they would take my home however I do pay my payments and they do not report correctly. There is missing information and one credit agency has no record that I ever even had a mortgage loan to begin with. This is very frustrating as I have a young child with a very XXXX XXXX XXXX that consumes most of our time. I feel that excessive amount of time has gone by and this should have been addressed by now.
Consumer complaint received 2018-02-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc. (IL)

I requested a loan, the company used my information to quote on a loan rate of 6.575 %. After applying for the quoted loan, and providing all the documentation requested to verify the quoted income ( bonus plus salary ) the company revised the offer up significantly to a rate of 8.74 %. After discussing multiple times with the company representatives my year end pay stubs the representives told me the company had a proprietary formula to disregard all company performance plans as income even though their instructions say providing two years of documented bonuses would constitute income. The representative stated multiple times that sofi choose not the accept the documentation provided by my small employer as they labeled it differently from one year to the next therefore I did not earn that income. It was clear in my conversations that the Company had no intention of honoring the original quote so they were choosing not to recognize the income to give a reason to change the offer. It appears to me this company is using bait and switch tactics to lure consumers with the promise of lower rates than they will actually offer.
Consumer complaint received 2018-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ID)

I have tried to get proof that I owe the staggering amount of student loan debt which is being taken from me as a garnishment. Several collection companies have traded around my file and adding up fees, etc. These companies include XXXX, XXXX XXXX, XXXX, XXXX, and Navient. To date the only " proof '' they have submitted are 2 items. One being a legitimate promissory note to XXXX XXXX XXXX I signed with my legal name in XX/XX/XXXX. It has been paid off, and I can find no proof that any bank is after me for that. Yet, DOE is garnishing my wages. The second bit of " proof '' is a consolidation form from XX/XX/XXXX that is wrong in so many ways. It has a signature on the bottom line that is not the same as on the beginning of the form. Neither is my legal name, and the bottom signature is certainly a forgery. I have countless documents that show how I sign my name, and they are consistent and different then this one. Also, It has no amount or bank that I supposedly agreed to. I have repaid every loan or made payment plans ( rehab ) to correct to no avail and now for years have been being garnished. No one I have talked to has helped but are sure to tell me how to start another goose chase of sorts. I am getting ready to retire and have seemingly no options.
Consumer complaint received 2018-02-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (CA)

I BELIEVE I AM BEING deceived and lied to by a company called UPGRADE a online lender whom I ( XXXX XXXX XXXX ) obtained a loan # XXXX with on XX/XX/2017 and paid it off I thought on XX/XX/XXXX however my payoff amount which was quoted to me by customer service rep XXXX XXXX was not credited to my account until XX/XX/XXXX resulting in me being charged an additional {$8.00} for the day it should have been credited so I'm finally anticipating my paid in full loan to show up on my account lo and behold NOTHING the rep claims I can no longer view my account and I have to wait 10 business days to get my final papers in the mail not online since I'm not a novice at getting loans online and paying them off I know for a fact other companies like XXXX XXXX XXXX etc have given me information as soon as my loan was paid in full this practice by UPGRADE seems illegal deceptive unfair and theres many other terms I can use but its just outright wrong I still don't have my paid in full documents I'm asking for your ASSISTANCE in this matter thank you
Consumer complaint received 2018-02-09
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. (PA)

I have derogatory information on my three credit bureaus from XXXX, XXXX and Experian that are not correct I’ve tried numerous of times contacting and speaking to the credit bureaus about the negative information there reporting on my credit report and I have also complained to them that someone who I know and trusted which was a family member that used my personal information to obtain credit using my personal information also there are lots of hard inquiries being reported on my credit reports which I didn’t authorize could someone please help me out with these problems I’m having thank you.
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (TX)

I do not have a contract with this Ad Astra. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Consumer complaint received 2018-02-09
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mortgage Research Center, LLC (SC)

While under contract with a builder the lender denied me a mortgage based on information that they knew was incorrect and then forwarded this information to the builder. The builder then demanded additional money for carrying costs on the house or would cancel the contract. Due to this erroneous information I lost my earnest money and appraisal money. Approx {$2500.00}. I was never delinquent with past or present creditors. This can not be proven be this lender because it never happened.
Consumer complaint received 2018-02-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX, XXXX, XXXX)  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Consumer complaint received 2018-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: American Financial Network Inc. (FL)

My credit report shows multiple " hard inquiries '' on multiple dates. The company name that shows is XXXX XXXX and the dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I can not find information on the company called XXXX XXXX. I have attempted to open disputes with the credit reporting agencies. XXXX online service is not operational and they tell me it is a technical problem so I called in to get a status on the dispute. The agent told me that I need to contact the company directly to have it removed and gave me a different company name of American Financial. 

I have called American Financial - I have no idea who they are - and they are not helpful. 

I would never, nor would anyone authorize a company to perform hard pulls on your credit 5 times in a row. I don't even know what this is, but multiple pulls have not been authorized by me. 

So now, XXXX is telling me that even though I have informed them that this information is incorrect and I did not authorize this that I have to somehow go figure it out and get it fixed or removed. This is complete XXXX XXXX. This is why we all know that credit scores and the agencies are nothing more than a way to attempt to substantiate taking advantage of consumers and charge them higher interest rates. 

XXXX sucks and everyone knows it. Complete garbage that they are allowed to report inaccurate data and even when informed do nothing about it.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

Dear Sir / Madam, I understand that you had responded to the XXXX complaint, XXXX that was filed on my behalf by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, saying that you need my authorization in order to provide a response. I hereby authorize you to respond to XXXX XXXX XXXX XXXX XXXX  complaint XXXX. It is critical for me that you provide a response to unauthorized release of temporary security pin online. The very reason for a security pin is to protect myself from identity theft, however, it appears that in this instance a trivial pin was released online by Experian. I trust that you would now be able to respond to XXXX XXXX XXXX 's aforementioned XXXX complaint with this authorization. Best Regards, XXXX XXXX XXXX.
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

XXXX XXXX decreased my credit limit on Sports Card at XXXX XXXX XXXX. I got a letter in the mail saying after a review of my account my credit limit had been decreased. I called customer service and was given every generic answer in the book. I told the agent/ then the supervisor, that I have had my account with this bank for going on 6 months and my account has never been late and I always pay 2xs, 3xs, or 4xs the amount that was due. I was told that XXXX XXXX reported something negative on my credit and they have the right to decrease my credit limit??? I pay Synchonary each month and have an established account with them that has been paid in a timely and prompt manner going on 6 months
Consumer complaint received 2018-02-09
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)

Remove all inaccuracies, errors, and all inaccurate accounts listed under frivolous addresses immediately after investigation. I am not affiliated with no other addresses but the XXXX. XXXX address, thank you. The correct address is XXXX. XXXX XXXX XXXX FL XXXX. Please remove any other addresses listed on my credit file. The XXXX. XXXX address listed above is the correct address. TransUnion, XXXX, XXXX this is my 3rd and final letter contacting you about the inaccurate information that continue to report on my credit file. You have violated my rights using my consent and falsely accused me of these inaccurate accounts and the error of my address. I demand that you remove the inaccurate accounts immediately. In the FCRA section 609 it clearly states if you cant provide me with any original contracts with my signature showing that I owe a debt on the account that is reporting inaccurately it must be removed immediately so Im demanding that the inaccuracies and errors be removed within 24 hours. There is a pending complaint file with The FTC and lawsuit against your companies.
Consumer complaint received 2018-02-09
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

Due to my having to file for XXXX due to a sudden XXXX of my XXXX XXXX from XXXX XXXX  for XXXX XXXX, & now experiencing XXXX XXXX XXXX in my XXXXXXXX XXXX XXXX XXXX ; I sought modification relief on my home of 38 years with my first lender, XXXX XXXX starting in XX/XX/XXXX. I was granted a modification for that loan in XX/XX/XXXX, & have maintained an excellent repayment status. 
Subsequent to receiving a modification on the 1st mortgage, I immediately applied for modification on the 2nd one, with Ditech, then GreenTree, then back to Ditech again. The interest rate on that loan is@ 8.5 % ; and Ive had the loan since XX/XX/XXXX. For the past two years, I have submitted several loan modification applications, have spoken to my local Housing Partnership service, have acquired a lawyer from my county law service, & have had a hearing in our county offices regarding resolution. Ditech consistently loses the applications, lets them 'age out ' so they expire, & has attached thousands of dollars in legal fees & late fees resulting in the loan being nearly doubled from its origination. After the hearing in XX/XX/XXXX,  my lawyer emailed, & then mailed all the info they asked for. Now my lawyer says they let yet ANOTHER app 'age out. ' This is the ONLY blemish on my credit report. Please, please help me resolve this problem.
Consumer complaint received 2018-02-09
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: DISCOVER BANK (FL)

Around XX/XX/2017 my girlfriend started a student loan application with Discover, I offered to be a co-signer. On their website they show XXXX XXXX XXXX XXXX as an elegible college that they offer their services too, so we decided to go through with it cause that's where she wants to study. After Discover inquires our credit and approves a loan, we negotiate the repayment process and interest rate, and they proceed with the certification request to the school, only to be turned down cause according to the financial aid department at the school they only accept federal loans or scholarships, not bank loans. 

I procceed to talk to XXXX different supervisors from Discover about this discrepancy and they could only escalate it to corporate, and told me to wait about 40 days for a resolution, I call today well over the timeframe to hear that Discover XXXX cancelled my request for removal of both credit inquiries basing themselves on that the school does meet the requirements to be on their website, I told the last supervisor that the information is very misleading cause why offer a product on a college that does not even accept it, even after providing sensitive information. As soon as they denied my request I called one of the credit bureaus, and they can only remove it if the bank sends a letter to them stating that it was a mistake in which they didn't, then the agent gave me the contact information for CFPB, XXXX answered and provided me with this method of submitting a complaint. 

Hopefully I can get those credit inquiries removed and they can remove that misleading information from their website, saving future consumers a headache.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. ()

A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, Ocwen continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on Ocwen 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from Ocwen in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (FL)

Received letter that a toll debt was due from the Florida Turnpike. I paid the debt 3 years ago. Rather than listen to reason, the rep would only discuss that she can't see the original debt systems and she only knows what was referred to her. She even indicated that even if the original debt was settled I'd have to pay her additional collections fees. Lastly, she indicated I'd lose my car registration if I didn't pay. 

We're talking about a {$13.00} bill, which I obviously could just pay - but I'm very frustrated by the lack of accountability and the way the debt holder has distanced himself from the debt collector and just made it too administratively difficult to dispute - hence the customer will choose to double pay rather than jump through the hoops. I have a " receipt '' for the paid toll but it's just a line item in a 3 year old credit card bill, and they've since tacked on some fees so the amounts don't match, and they can't produce the original bill to show that the amounts would match. Due to the age of the debt, it's not something easily produced as a canceled check or something. 

The representative was reasonably rude about the whole thing and was making sarcastic comments when I offered to pay her something short of the balance just to make it go away. I mentioned to her several times that I thought she was being rude, and she informed me that I wasn't her customer, and this wasn't a customer service call ; and if I paid my bills, I wouldn't have to deal with people like her - or something substantially similar to that.