davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
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: Experian Information Solutions Inc. (FL)

I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX Experian, XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXt date opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX
Consumer complaint received 2018-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brock & Scott, PLLC (NC)

I was recently served a civil summons from the XXXX County Sheriff 's department. The collection agency listed on the summons was an agency called Brock and Scott.  Prior to the receipt of this summons, I did not received a notice of my right to dispute. I was not even given the opportunity to challenge the debt prior to a XXXX County deputy showing up on my doorstep. Additionally, I live in XXXX County so this company did not even file the paperwork in the proper county.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (RI)

I never received my bills / email stating I was past due. I was past due because of an annual fee this company charged. I get paying the annual fee but they reported me to my credit bureau as past due in the amount of XXXX. This should be illegal to report me based on a fee they charged, chRge a fee for the fee and report false information when it wasnt past due XXXX. I want a deletion letter sent to remove these off my 3 credit bureau reports and an explanation why I never received a statement, a phone call or an email about my past due balance - If I never signed in online Id never have known.
Consumer complaint received 2018-01-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

XX/XX/XXXX - {$12.00} maintenance fee XX/XX/XXXX - {$12.00} maintenance fee I have made deposits into these accounts, though not ACH deposits, so Bank of America has still deducted these maintenance fees. I tried to explain to them that I have not had a job since XX/XX/XXXX and they are taking money from me when I need it the most. I was told there is nothing they can do. This was contacting the customer service line.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The dates for which this loan was applied for was in XX/XX/XXXX. I was signing up for vocational training at XXXX XXXX in XXXX, California. Only went through the admissions and financial aid process. Informed school I would not be attending and federal loan was never used. I have been sent multiple letters in the mail as recent as XX/XX/XXXX stating I could be forgiven for the loan I borrowed, but I never borrowed the loan. Never saw a cent of it and never went attended a single day of school at XXXX XXXX. XXXX XXXX XXXX reports my to my credit report three different loans being accounted for ; Listed as two accounts being opened XX/XX/XXXX and being closed on XX/XX/XXXX, and another account being opened  XX/XX/XXXX and being closed on XX/XX/XXXX. I have filled out their return letters stating I have never used their loan and to please remove the accounts from my background, but it remains on my credit report.
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have written to XXXX XXXX and TransUnion, providing all 3 credit bureaus with an update of my personal information -- -correct name -- - XXXX XXXX XXXX XXXX XXXX -and correct address XXXX XXXX XXXX XXXX. # XXXX, XXXX, AZ XXXX. 

I have also instructed the same bureaus to delete any other addresses appearing on my credit report as these are incorrect and potentially make me liable for fraud. TransUnion and XXXX ignored my request entirely ; and XXXX stated that they would place a fraud notice on my account, when deleting all incorrect addresses and name variations would be sufficient. 

Additionally, I have provided sufficient identifying information -- - a CURRENT driver license -- - and a copy of my social security card.
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

This debt is from XXXX XXXX, 2014 -- 3 years and 1 month old. This is a Medical Debt that 1. ) I did n't know existed 2. ) I understand that medical debts are not to appear on a consumers credit report.
Consumer complaint received 2018-01-04
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: Experian Information Solutions Inc. (CA)

I have unauthorized inquiries from : -XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 
Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.
Consumer complaint received 2018-01-04
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: EQUIFAX, INC. (CA)

I have unauthorized inquiries from : -XXXX/XXXX XXXX - XXXX -XXXX - XXXX XXXX I have never applied, given or authorized my information or credit to be run by these companies. I do n't recognize them at all. 











Besides the inquiries I also have 2 late payments from XXXX XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late. The balances are paid off at the moment.
Consumer complaint received 2018-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I 've received another email from Discover Card in my XXXX email, past emails from Discover Card were unautherized deletions. I do n't and have n't ever had a Discover Card nor any accounts through Discover Card Bank. 
From : Discover Card XXXX To : You XXXX Date : XX/XX/XXXX XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2018-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken (CA)

I did invest some money with Kraken.com. I tried to log in and I could n't. My account was temporarily disabled now. I tried to contact them.I sent them more than 7 emails by now. It 's been more than 2 days now. They do n't even get back to me. I did inform them that If I do n't have an answer by today I will submit a complaint to CFPB. I just need my account activated.
Consumer complaint received 2018-01-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: LOAN TO LEARN (VA)

LOAN TO LEARN ACCOUNT IS NOW IN COLLECTION WITH XXXX XXXX IN XXXX VA. I CURRENTLY HAVE A PAYMENT PLAN WITH THEM, AND HAVE BEEN PAYING ON TIME MONTHLY. SINCE THE LOAN IS NOW IN COLLECTIONS, AND IS NO LONGER WITH LOAN TO LEARN, THIS INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX SHOULD BE REPORTING MY PAYMENTS SINCE MY ACCOUNT IS NOW WITH THEM.
Consumer complaint received 2018-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I have had issues with XXXX XXXX for the past 3 -4 years. In XX/XX/XXXX when I started my payments I asked about the amount that was due was not the same as the amount borrowed. I borrowed funds for 5 of the 6 semesters that I attended XXXX University for their XXXX   program.  I contacted XXXX XXXX about t he issues and they stated that it as nothing they could do. In XX/XX/XXXX I called and submitted for my loans to be deferred due to not working, The representative stated that I might get a letter stating that I would have a payment, but I would not need to make the payment due to me requesting for the deferment. However a few month later the XXXX XXXX stated that they had no record of me calling and requesting for the deferment and my payments had tripped to almost $1,000 a month. Again I submitted information and requested for the income driven repayment plan and my payment was changed to an affordable amount. In XX/XX/XXXXXXXX XXXX   did not notify me of my re-certify date and they again changed the amount due. Due to me not receiving notice of the change of the amount due I kept paying usual amount. However XXXX XXXX reported that I made no payments. In XX/XX/XXXX I received an e-mail stating that I needed to re-certify for my income driven repayment. There was no date listed as to went I needed to complete this re-certification so I attempted to call XXXX XXXX to clarify why my loan amount due had increased before completing my application, however I was not able to get through on the phone.. In XX/XX/XXXX I completed my re-certification and received an e-mail from XXXX XXXX   stating that my application was being processed. On XX/XX/XXXX I received an e-mail from XXXX XXXX where they again lied and said that I did not complete my re-certification. When I call XXXX XXXX it says that "due to high call volumes" I need to call back later and then the phone hangs up. XXXX XXXX is a dishonest company and they are simply being fraudulent in attempts to make people pay late fees and additional payments.
Consumer complaint received 2018-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

ERC had been contacted along with their client, numerous times by me in attempt to resolve this issue but have been ignored and this false negative report is and has prevented me from getting the needed score to obtain loans for my business, which is and has been leading to ongoing losses in my business.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, Wells Fargo improperly applied an additional payment as if it was a regularly monthly payment, assessing interest and sending part to the escrow. On XX/XX/XXXX, I notified Wells Fargo that that the entire payment was to be applied to the principle, and the WF agent agreed to fix it by " backing out the payment and applying it to the principle only ''. On XX/XX/XXXX, I received a call from WF informing me that it would take until XX/XX/XXXX to fix it. I protested, and about 1 week later, noticing no action or remedy, I contacted a WF " supervisor '' who promised to fix the problem " within 24 hours ''. Since XX/XX/XXXX, I have seen my account balance go up and down 3 or 4 times, and it is still incorrect. I have received a " past due/foreclosure : notice. I have had my credit history. with XXXX  show me to be behind in payments, and my credit score lowered. I have possibly been charged unfair interest during this fiasco, I can not tell. I want a written explanation of the reason this has occurred and I want it fixed.
Consumer complaint received 2018-01-03
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. (TX)

My Ex-husband (XXXX XXXX. XXXX XXXX)  and I had a mortgage that was transferred to XXXX XXXX XXXX.  After about a year, the mortgage account was then transferred to XXXX XXXX XXXX.  The mortgage is no longer reporting on XXXX or XXXX because the very first delinquency is over 7 years old.  I have disputed this account with both XXXX  XXXX XXXX and Transunion, and to this day, neither of the companies will fix this error and remove this account from my credit file.  I have been denied credit because of the account showing I am paying a monthly payment of XXXX and that it's reporting late payments 1 in 90 days and then 120-149 days late in XXXX of 2011.  I am so so so upset because they have caused me nothing but heart aches and pain and many unnecessary denials because they fail to correct the inaccurate information.
Consumer complaint received 2018-01-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I have been enrolled in auto pay throug Navient for over one year. My interest rates changed on my private loans in the last month, yet I am paying late fees for XXXX and XXXX. One representative told me it was an error and it would be handled. It never was. Another told me it’s only for XXXX, which is incorrect based on the statement provided from Navient. A supervisor told me it’s an accumulation for months yet I have never been informed. And another representative told me the company doesn’t know when rates change so they don’t know what my payments should be. I am a XXXX year old XXXX  struggling to make the payments monthly, but I have been paying as requested, even the late fees even though no one at the company can provide me with an accurate answer as to where the late fees are coming from. I spent 2.5 hours on the phone just today and still could not get an answer but was switched between representatives and supervisors countless times. They’re unprofessional on the phone, claiming I don’t pay, when my payments are automatically withdrawn.
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recover, LLC (WA)

My husband is a Veteran we was living at an apartment in XXXX XXXX, due to financial difficulties we had to break the lease. We paid all our rent up to the month we left. We break the lease 2 month before the lease was up. For the 2 years we were living at the apartment we never miss a payment or paid late. When we were leaving we went to the office spoke to the apartment personnel about breaking the lease and told them we will pay when our situation change they promise they wont put it on our credit and turn around and sold it to a collection agency that place it on our report and has been bugging us. This fee is just for breaking the lease 2 month before it ended not for owing rent now we have to stay on base with a family member because we cant get anywhere to rent with that on our report
Consumer complaint received 2018-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have 2 credit cards with Capital one. They reported me late in XXXX of XXXX for both cards. I had a payment due on XX/XX/XXXX on one card and XX/XX/XXXX on the other. I had just XXXX my father and was going thorugh a very hard emotional time. 

I made the payment for both accounts and brought the accounts current. My credit union also changed and I used the old accout to make the payment.The payment was returned due to insufficient funds but once I saw the wrong bank was used, it was corrected in 3 days. 

As a customer and seeing that I was never late, I reached out to Captial one and they refused to remove the SINGLE late payment. They stated that even though they got the payment the following month for double the amount, they are still reporting it late.
Consumer complaint received 2018-01-03
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: EQUIFAX, INC. (AR)

In XXXX I put a fraud alert on my credit bureau file with Equifax. As of XXXX/XXXX/XXXX I had the fraud alert removed and noticed 21 unauthorized inquiries were listed on my credit report with Equifax during the time that I had a fraud alert. I disputed the inquiries in XXXX XXXX with Equifax as unauthorized and fraudulent. In response to my dispute Equifax sent me the attached letter saying that the 21 inquiries were a factual record and refused to remove them. I have tried disputing these inquiries with Equifax and the companies that put inquiries on my report. Equifax is telling me to contact the companies and the companies are telling me to contact Equifax. I am getting nothing but the run around. I need these inquiries removed as they are not mine. According to the FCRA I have the right for my credit report to show accurate information. Please help me. Equifax knows that these inquiries are fraudulent because they did not provide how they verified this information as I have requested several times. I am pretty sure that most of these inquiries were part of the Equifax data breach in early XXXX. I sent out letters to each company directly its been over 60 days and I have not received a response. To my knowledge all consumer reports should be true of whats being reported.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (NC)

I contacted the credit bureau about the  two  debts that are showing up on my credit report that I have no knowledge of the accounts numerous times. The   XXXX   XXXX   XXXX   and  XXXX   XXXX  account keeps showing up on my credit report after disputing them with the somone over the phone and via the internet. Each time they come back and say the debt is vaild and verified without showing proper proof. When I call and speak to a rep the reps tell me to contact the creditors and have them to remove the debt. I was always under the impression that we are not to contact the original creditor because it violates the FCRA for them to tell me to contact the original creditor.
Consumer complaint received 2017-04-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I OPENED AN ONLINE CHECKING ACCOUNT WITH CAPITAL ONE, I PUT MY SON WHO IS A  XXXX  VET DOWN AS CO-ACCOUNT HOLDER I GAVE CAPITAL ONE HIS ADDRESS SOCIAL SECURITY NUMBER AND ALL ITEMS TO HIS I.D . I DEPOSITED A CHECK FROM NY STATE REFUND THEY ENDORSED THE CHECK. MY SON IS HOSPITALIZED AT A VETERAN HOSPITAL IN NY  .CAPITAL ONE FROZ E MY ACCOUNT AS I AM THE PRIMARY HOLDER. UNTIL THEY CAN SPEAKE WITH MY SON MIND YOU THE CHECK IS IN MY NAME  XXXX   XXXX , I 'VE TALKED TO MANY A CAPITAL REP 'S THE SAME OLD SHUFFLE.I TOLD  XXXX  MY SON IS IN A  VETERANS HOSPITAL WE RE NO PHONES ARE ALOWWED AND THAT I 'M WHELL CHAIRED BOUND THE Y DID NOT CARE .THIS H AS BEEN ON GOING FOR SOME DAY ' S .I TOLD CAPITAL ONE SE ND THE MONEY BACK TO THE STATE OF NY THEY SAID THEY WOULD NOT, SO THEY JUST GOING TO KEEP MY MONEY!
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

Company did n't provide written notification of this debt or right to dispute. I called on XX/XX/2017 after a leasing agent said that this debt showed up on my credit as a broken lease despite written notice provided 6 months prior to move out to original property owner. When contacting IQ, a rude agent named XXXX and his even ruder " supervisor '' XXXX refused to furnish any information in writing regarding the debt and declined to make settlement for speedy resolution. XXXX then tried to extort a larger payment by saying that only paying a higher amount would be deleted from the credit report, despite the fact that the negative information should n't have been put on my credit report to begin with.
Consumer complaint received 2017-04-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY (FL)

Good afternoon, Im following chain of command as i have been advised by my council. I have reached out to  American Express on s everal occasions only to be given the run a round. My account was compromised and i dispute the un authorized charges back in  XXXX . Its now the end of  XXXX  ( Outside of FDIC timeframe ) and still no resolution just a case were we keep re-opening a dispute! Every contact with customer service i have received partial or as i was advised wrong information there are  two transactions at   XXXX   XXXX   XXXX   and I 've never been there. Im attaching proof of my signature from my government issued id as well as the police report for this matter. Ican be  reached at  XXXX