davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXXXXXX XXXX XXXX XXXXXXXX ( closed ) Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXXXXXX XXXX XXXX XXXX ( closed ) did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.
Consumer complaint received 2017-05-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ECMC GROUP, INC. (NY)

I defaulted on my student loans last year due to a bankruptcy filing in  XXXX   XXXX ,  2016 . For some reason unknown to me my student loans totaling approximately {$110000.00} which has received substantial payments over past 20 years was apparently and without my knowledge sold by my former loan handling company  XXXX  to another company called ECMC. These people promptly added a whopping $  XXXX  " collections fee '' making a total balance of approximately {$160000.00} and then began to repeatedly call, threaten, harass, intimidate and extort me into signing a contract with them for monthly payments, or they would cause a great deal of trouble for me due to my unintentional loan default and bankruptcy. They said if I paid for 6 months they would take me out of default, and faced with these threats and my fear, I reluctantly signed their agreement and began to make these monthly payments. My question is was their conduct legal? Can I remove this $  XXXX  " collection fee '' markup in my already hefty student loans? I really can not afford this. Please help, advise and assist.
Consumer complaint received 2017-05-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Critical Resolution Mediation LLC (CO)

I was contacted by a  XXXX   XXXX  on  XXXX   XXXX ,  2017 , he was calling for a company called Critical Resolutions Mediation. Which is supposedly a Georgia based business. He started by telling me I had an outstanding debt with  XXXX   XXXX  for a defaulted pay day loan. I tried to explain to him that I have never had a bank account with the bank account listed in the loan information. I asked for written validation and he told me the best he could do was email me a copy because if I did n't resolve this issue that day I would be taken to court and prosecuted. I panicked and upon receiving an email with documents to " validate '' the debt I promptly deposited {$320.00} into a  XXXX   XXXX  account numbered  XXXX . I called  XXXX   XXXX  yesterday to find out if I owed and the amount I owed, because I was supposed to be making another payment to Critical Resolutions Mediation on the  XXXX  of  XXXX . I was told by the lady I spoke to at  XXXX   XXXX  that there is no information for me owing or even ever having a loan with them. She informed me to file a complaint about the Critical Resolutions Mediation as they have scammed me out of {$320.00} and that they are not even a debt collector that  XXXX   XXXX  works with. So  XXXX   XXXX  stole {$320.00} from me as well as threatened legal action against me. The number for  XXXX   XXXX  at Critical Resolutions Mediations is  (   XXXX   )   XXXX  ext  XXXX .
Consumer complaint received 2024-08-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (AL)

On XX/XX/XXXX, I reached out to Navy Federal Credit Union to dispute a company called XXXX XXXX XXXX XXXX because they had authorized my card for an amount that I did not give them authorization for. They also had no proof to backed up their claim. I sent all the information over to Navy Federal. On XX/XX/XXXX, Navy Federal closed the case saying that I had not sent over information as of a certain date, which was not true. I sent over all the information when I initially filled the complaint. 

I have also included the complaint that I made towards XXXX XXXX XXXX XXXX  : I talk with XXXX and told her that this was not the curriculum my XXXX  I needed and I told her I did not want to continue the program. She told me I had an appointment and since I didn't cancel within 24 hours it would be a {$50.00} fee. I told her ok. I didn't have my credit card at the time. She called me and asked for my credit card the very next day. I told her I didn't have it at the time. She sent me a form in my email for authorization of my card. I filled it out around XXXX XXXX. Around XXXXXXXX XXXX she charged my card for {$120.00}. I tried to call her when I saw the charge, but they closed at XXXXXXXX XXXX. I waited the weekend to ask XXXX why did she charge my card for that amount, she said I missed a section in XXXX, I told her we had not missed no sections and I only authorized her to charge my credit card for {$50.00}. She then stated that my credit card decline for XXXX, but did not have any proof. I told her we had been back twice since XXXX and it was never mentioned and I did not give her authorization to charge my card for that amount. She said when you signed the authorization form, I did! The authorization form had no amount on there. I asked her what was the last four off the card or could she show me proof and she said No!
Consumer complaint received 2017-05-20
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: CITIBANK, N.A. (OH)

Best Buy, who  uses Citicard sent a letter containing an extremely low credit score and misleads recipients into believing it 's the agency provided credit score when it is, according to Citibank representatives an internal score derived only in part from the official credit score.
Consumer complaint received 2017-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I am not past due on my mortgage and I attach again their representative sent me an email verifying they doubled my escrow balance and owe me a check for {$12000.00} I still have not received my check and would like my check immediately!
Consumer complaint received 2024-10-13
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. (LA)

Consumer Name XXXX XXXX XXXX XXXX XXXX  Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

around  XXXX , I had a mortga ge with wells Fargo, th e property address is  XXXX   XXXX   XXXX   XXXX , in  XXXX  I lost my job I had difficulty to make payment on time and I had tried to work with the company to keep my house after 15 years occupying it, they refused and they make to me a short sale telling me they would forgive all the difference that they would sell the house for, and I had no other choice than to accept it, while the short sale that they offered me in process, they filed a foreclosure which I fought to get the short sale though, on  XXXX   XXXX ,  XXXX , the process was done and went though, after that, because I no longer had the house, I went to the Post  Office and bought a mailbox, just after I did that, Wells Fargo sent me a letter telling me that they saw I changed my address so they will update my address for my account, so I called them reminding them   that I no longer had any business with them, they told me that it was a mistake on their part, after a while, I went overseas and I forgot to pay my mailbox before I left, so when I returned, the Post Office already sold my mailbox and gave another box number, once they found out that my mailbox number changed, they sent a  letter telling me the same thing, and I called them again, they told me it was a mistake, so I forgot everything, not too long ago, this time, I received a an email from them telling me due to the security, they wanted me to update my informations regarding my mortgage, and called them, they told me again that was a mistake, so I have gone too much with this matter, and lately I saw on the news that they had opened accounts on people name without their knowledge, this is raison why I am filing this complaint, thank you very much
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXX XXXX XXXX XXXX, Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXX XXXX XXXX XXXX did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.
Consumer complaint received 2017-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (AZ)

ORIGINAL PURCHASE WAS  XXXX  I DID NOT RECEIVE A  PAYPAL BILL U NTIL THEY STARTED ADDING LATE CHARGES. I HAVE SPOKEN AND SENT LETTERS MONTH AFTER MONTH TO THEM, FINALLY I SEND THEM  XXXX  WHICH I DID CK #  XXXX   XXXX / XXXX / 17 . NOW THEY WANT MORE MONEY THE AMOUNT I SENT WAS WHAT THEY TOLD ME TO SEND TO CLOSE THE ACCOUNT. MY WIFE HAS  XXXX  AND THE CALLS ARE VERY UPSETTING
Consumer complaint received 2017-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry    XXXX   XXXX   XXXX     XXXX   Inquiry    XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry    XXXX   XXXX   XXXX      XXXX   XXXX   Inquiry     XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my  credit score  to suffer.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my Experian consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The following accounts were opened in my name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the fraudulent accounts and hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-13
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. (MI)

you have violated my federally protected consumer right. under the 15 USC 1681 ( A ) PLEASE REMOVE IN VIOLATION OF 15 USC 1681c- 2 ( A ) WHICH VIOLATED 15 USC 1681C ( D ) INACCURATE KEY FACTOR INFORMATION.
Consumer complaint received 2017-08-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (IN)

I was contacted on XXXX XXXX, 2017 at XXXXXXXX XXXX from phone number XXXX from someone claiming to be from My PayDay Loan. Let me also mention that I was never informed during the call that it was an attempt to collect a debt and information obtained would be solely used for that purpose. I was told that I owed over {$1000.00} for a payday loan. I was also then given my bank account number which they should not have because that is a new account and I was informed that they were proceeding to submit a wage garnishment for the loan. I have not received any documentation regarding the loan. I was also not informed on the call that it was an attempt to collect a debt before they also released by birth date to me. I do not feel comfortable proceeding with payment being that governmental laws and practices were not followed in an attempt to collect a debt. I feel I should not be obligated because I am under the impression of this being a scam.
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

Lvnv Funding LLC has put the amount of {$260.00} on my XXXX credit report as a debt owed to a XXXX XXXX card in my name opened in 2011. I disputed it with XXXX and the attached is what i got as a result. I contacted LVNV and they told me to file here and mail this dispute to them notarized. I have not had a XXXX XXXX card until about 3 months ago and have no recollection at all of this debt from 2011. I need this to be taken off my XXXX report as debt owed as I do not owe this amount and it is affecting my credit score.
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but XXXX XXXX XXXX, but the account was closed per XXXX before because of XXXX allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of LVNV Funding ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/XXXX I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or aroundXX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/XXXX I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.
Consumer complaint received 2017-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MS)

My DISCOVER card was charged and I disputed {$560.00} : XX/XX/XXXX XXXX XXXX NV {$5.00} XX/XX/XXXX XXXX XXXX NV {$85.00} XX/XX/XXXX XXXX XXXX NV {$91.00}XX/XX/XXXX XXXX XXXX NV {$91.00} XX/XX/XXXX XXXX XXXX XXXX NV {$.00} XX/XX/XXXX XXXX XXXX  XXXX NV {$4.00} XX/XX/XXXX XXXX XXXX XXXX NV {$89.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} I ordered a FREE sample for {$4.00} shipping from XXXX.
1 ) A company sent a box to me with no NAME of the shipper on it.
I located them by the address on the box and I CALLED THEM. I TOLD THEM I WAS RETURNING THE BOX TO THEM UNOPENED, AND TOLD THEM TO NOT SHIP ANYTHING ELSE TO ME.
2 ) I received two more identical boxes. I returned these two additional boxes to them unopened. After returning all three boxes, unopened, I received a form letter email from XXXX regarding the above charges on my DISCOVER card.
3 ) The company sent a copy of a webpage that I have never seen before to DISCOVER saying I signed a contract with them.
I did not agree to any contract ; I only agreed to one sample for {$4.00} shipping. I had never seen that web page until DISCOVER sent me a copy in their correspondence.
4 ) I supplied DISCOVER multiple sources showing them that this company goes by numerous names and has scammed numerous people.
DISCOVER charged me using the name of ~ XXXX DISCOVER charged me using the name of ~ XXXX XXXX I was contacted by an email with the name ~ XXXX How DISCOVER connected the three names, I do not know or understand.
However, DISCOVER does not care that the company is a scammer. XXXX XXXX XXXX 5 ) XXXX told Better Business Bureau : The customer 's account has been flagged as a chargeback onXX/XX/XXXX for the disputed charges. The chargeback processor and credit card companies will determine the legitimacy of the claim and be able to provide any refunds as necessary.
6 ) I requested ONE sample for {$4.00} shipping.
I was charged NINE times totaling {$560.00}.
I returned everything, unopened, unused.
DISCOVER will not credit my account for the full amount.
Consumer complaint received 2017-05-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I submitted application on   XX/XX/XXXX to XXXX XXXX a home mortgage consultant, I informed her of recent purchase of a home XXXX and I was seeking a loan for a home remodeling project.  I indicated that I was a customer with Wells Fargo for over 25 years and had several active accounts.    
XXXX XXXX that I met their criteria and we discussed a XXXX  loan.  She indicated that I need to provide the following items:
	Two pay stubs from my wife XX/XX/XXXX & XX/XX/XXXX tax returns
	Mortgage statements on all properties owned
	Home owner insurance
	Pension statements
	Social Security award letters
 These items requested via a letter dated XX/XX/XXXX This was followed by request via the phone, a letter covering my wifes gap in employment, the requested copies of rental roles on all income property, they requested documentation on property sold in XX/XX/XXXX, as well closing statement on property sold XX/XX/XXXX, prior to purchase current home. 
Later the following items were requested:
	Year to date pay stubs for all jobs 2 years of XXXX forms for XX/XX/XXXX-XX/XX/XXXX Year tax returns, personal with all schedules for XX/XX/XXXX-XX/XX/XXXX (XXXX,XXXX,XXXX,XXXX and XXXX Mortgage note, good faith estimate or truth and lending showing the rate of primary and rental purchase
	YEAR TO DATE BUSINESS PROFIT/LOSS STATEMENT GOOD THROUGH XX/XX/XXXX
	 MORTGAGE NOTE, GOOD FAITH ESTIMATE, OR TRUTH IN LENDING SHOWING THE RATE ON THE PRIMARY AND RENTAL PROPERTY ARE FIXED RATES COPY OF THE HUD1 SETTLEMENT STATEMENT FROM THE RECENT PURCHASE OR REFINANCE OR SALE OF A PROPERTY
	 PROPERTY TAX STATEMENT FOR ALL PROPERTIES
	XXXX FORM SIGNED BY ALL BORROWERS PLACE A X IN BOX XXXX, PLACE A X IN THE ATTESTMENT AT THE BOTTOM, PROVIDE ALL SS#S, LEAVE LINE XXXX BLANK
	 LIST OF HOME IMPROVEMENTS) NEED A BRIEF LIST OF HOME IMPROVEMENTS.  HAS ANY IMPROVEMENTS ALREADY STARTED OR ARE WE WAITING FOR THE FUNDS?
	 BORROWERS CERTIFICATION