davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Method Of Verification Request To whom it may concern, I have repeatedly requested that you investigate the accounts below and provide me with any documents to support your reporting. As of today, you still need to supply such documents. 

Accounts : XXXX. XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX ( Late Payment ) I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by your agency in my earlier disputes. 
All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required. 
Written proof that you forwarded all the relevant information in my earlier disputes to the creditor. FCRA 611 ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report. 

I am keeping careful records of our communications in case I must file a complaint to seek relief and monetary damages under the FCRA Sections 616 and 617. 

After you've completed your investigation, please send the results to me via mail. 

Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 

My information is as follows : Full Name : XXXX XXXX XXXX : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Thank you for your time, XXXX XXXX
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

I would like to say I have citi card for many years and recently prior to my out of country for being in military. I requested them to dispute my charges on the card that was being in CA. 1. i do not reside there however I mention the charge also with the fact I do not have phone access they insist on telling me to call in when they already prior ask me what charges were they. There was no cancel on my card or offer to close out my card, I do not have the time to call so I have my wife schedule the payment to pay off the card. I am back in state but they do not seems to understand my needs. On top of that I mention being in service member have been troubling my communication and one time I was charge of fee because there 's an annual fee, of course I was not brought to attention until it was recorded into collection, they claim they have made contact with me before it went in collection. I would say there was no email nor any call made until my day marked on XXXX of the month. Their service are horrible I am assuming due to big banking they do not go into understanding of military member service and how it is hard for a contact to be made.
Consumer complaint received 2017-06-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I received an Escrow Review Statement from Wells Fargo Bank on XX/XX/XXXX that indicated my escrow account has a shortage of {$8600.00}. Perusing the Statement, I discovered that only {$170.00} had been taken out of my mortgage payment of {$980.00} per month, an amount clearly insufficient to pay the escrow items of {$6000.00} in property taxes and {$1000.00} in insurance ( for a total of {$7100.00} ). Because my home is located at XXXX XXXX XXXX, which is within the city limits of XXXX, TX ( in XXXX County ) but is physically located in XXXX County, it is assessed for property taxes by entities from both counties. Looking at the Escrow Account history from XX/XX/XXXX to XX/XX/XXXX, I noticed that only {$1200.00} had been projected for the XXXX County portion of the property taxes ( instead of the actual {$4800.00} ), and that {$0.00} had been projected for the XXXX County portion ( instead of the actual {$1200.00} ), a gross underestimate. As a retired XXXX and XXXX veteran on a fixed income, I could have paid the {$1400.00} monthly mortgage which would have prevented this shortage. I have contacted Wells Fargo to address this situation, and they have offered to allow me to repay the shortage over 24 months, at {$1600.00} per month. However, I feel that since the Loan Officer was made aware of the {$990.00} per month rent I was paying before purchasing my current home ( the purchase closed on XX/XX/XXXX ), he made certain that the mortgage payment was similar, in order to increase the attractiveness of the loan. The home is not a new construction ( it was built in XXXX ), and the property tax rate actually decreased from XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX, so uncertainty about the property tax rates during the closing process is unlikely. On XX/XX/XXXX, I notified Wells Fargo that I had successfully challenged the valuation of the property, lowering that amount by approximately {$40000.00} and had added both a homestead exemption and a XXXX veteran 's exemption, with the result that my XX/XX/XXXX property taxes will be reduced from the {$6000.00} paid in XX/XX/XXXX to {$4600.00} due in XX/XX/XXXX, so the escrow portion of the mortgage could be reduced to {$470.00} per month ( disregarding the shortage amount ). Since the shortage is due to a " miscalculation '' by the Loan Officer, which " happened '' to give a mortgage payment {$0.00} less than my monthly rent at the time, do I have any recourse available to address this issue?
Consumer complaint received 2016-08-30
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (PA)

On XXXX XXXX, 2016 I set up to have my tax bill paid through PNC Bank 's website. It was scheduled for XXXX XXXX, 2016 in the amount of {$3400.00} During the week of XXXX XXXX, I received an e-mail from PNC Bank saying a payment of {$34000.00} was going to go to XXXX XXXX XXXX. I contacted PNC, was told they would waive the {$33.00} fee to stop the payment ( which I NEVER authorized! ) for the {$34000.00}. They stopped the {$3400.00} payment that was suppose to arrive at the tax office on XXXX XXXX!
Consumer complaint received 2017-06-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (NJ)

Ally is incompetent at every level. I paid {$80.00} for them to register my car. They said register it yourself out of frustration I did. I never got that money back. I had to go to the DMV 6 times due to wrong info from them. My daughter is in the  XXXX  and added undo stress. Because of their error it took 2 months to process. Now when I call it says they are trying to collect a debt. I have received a letter from them thanking me for financing it. I was also told by my processor a check was sent. Now when I call to add it to my online profile to pay it I keep getting bounced around. I just want to pay my bill! Ally 's lease department sends me to finance and finance sends me back to lease! Please I just want to spend my time with my daughter instead of dealing with this nonsense!
Consumer complaint received 2017-06-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

Our original loan was with Everbank, who then sold the loan to " XXXX '' and the loan is administered via " XXXX ''. <P/>
Our loan was set-up always to escrow for taxes and insurance with direct pays to the taxing authority.
<P/>
We received a " Notice of Tax Delinquency '' from the County of XXXX XXXX  for a installment payment that was not paid by our loan administrator and a penalty was also assessed. <P/> XXXX  was notified by us immediately and it has been over a week and they still can not or will not tell us when the overdue tax bill will be paid from our escrow account and that they will pay the penalty.
<P/>
They were also unwilling to send us a letter of explanation on what is going on with this after they had over 1 week to resolve this ; we are in a state of uncertainty now with other financing activities potentially at risk due to this delinquency.
Consumer complaint received 2017-08-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TX)

I cosigned a student loan in the amount of XXXX in XXXX for my adult son XXXX XXXX .He was attending the University XXXX XXXX as a graduate student at that time. My son requested me to sign for one loan. He signed for 2 additional loans of XXXX and XXXX. These loans were fraudulently signed in my name. My son XXXX XXXX obtained these loans by placing my name on them without my consent. I have contacted Navient and they refuse to release me as a cosigner from these loans. I am permanently XXXX noted by Social Security since XXXX of XXXX. I filed bankruptcy in XXXX until XXXX. We completed a Chapter XXXX Bankruptcy plan including my spouse. Navient contacted me in XXXX of XXXX and I stated to them I have been XXXX and not able to work since XXXX of XXXX. Navient sent me papers to request for my loan to be discharged. I fill out the papers and requested several doctors to fill out the details of my XXXX so that Navient could release me from the obligations of the student loan that I cosigned with my son. Now I am being harassed everyday by Navient via, email or phone. Navient contacted a neighbor to try and harass me on XXXX/XXXX/XXXX. Navient refuse to accept my letters stating I am unable to work due to my multiple XXXX. I agree that Navient needs to be paid by my son. He borrowed their money and used it for his educational purposes. I never physically signed a contract with Navient. I never cashed a check that was sent for any loans from Navient. I have sent my son a letter from Navients website to sign to release me as a cosigner. This company refuses to honor federal standards for students loans. I have wrote my local federal representative regarding Navient practices.
Consumer complaint received 2017-08-19
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (NJ)

Details of the problems I had with the merchant and Barclays are documented in the attached letter but in summary I do not have the painting and continued to contact Barclays and attempted to contact the merchant but he kept hanging up on me or not returning my call when I left a message or texted. XXXX XXXX, XXXX I purchased a painting presented on TV by XXXX XXXX using my Barclay Credit Card, however I received a fraud alert through my XXXX account, not my Barclay Card. I then researched and could not find this company online so I called the merchant back and cancelled the purchase. I could also see the merchant continue to try to charge my card so I called Barclays XXXXraud hotline and reported the situation and told customer service not to approve this merchants charge on my card because I suspected fraud. Barclays customer service rep assured me that they would not let the merchant charge my card. On XXXX XXXX I checked my XXXX account and noticed that {$1900.00} had been charged to my account again. I immediately called Barclays to complain. Barclays reversed the charge and reached out to the merchant. Early XXXX I noticed the charge again hit my account and at that time Barclays informed my that my complaint was not considered fraud as I had provided the merchant my card #. Since XXXX I have continued to complain with no progress and in XXXX XXXX received a letter from Barclays informing me they will do nothing to help me or reverse the charge. Barclays led me to believe they would protect me, however I learned in XXXX that their system does not have the ability to block a charge once the # is provided.I told Barclays from the beginning Barclays should have advised me to cancel my card and have Barclays reissue a new card and doing so would have protected me. At no time did I receive any advise. I do not have the painting and Barclays has charged my card {$1900.00}. The merchant will not communicate with me an Barclays has shut the case..
Consumer complaint received 2017-06-30
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. (CA)

According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. Euqifax and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.
Consumer complaint received 2017-08-02
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: SYNCHRONY FINANCIAL (FL)

I have mailed and faxed about this information on my credit report and the company have yet to respond and it been over 30 days. I did not authorize anyone to make these inquiries.I thought I had my account set that they have to get additional information to make sure its me.I know for sure this did n't happen.This is having a negative impact on my credit XXXX XX/XX/XXXX Syncb XX/XX/XXXX XXXX XXXX ( this bank seem to run my credit every other month ) XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( I have no clue what this is ) XX/XX/XXXX
Consumer complaint received 2015-11-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice.
Consumer complaint received 2017-07-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I mailed to EQUIFAX via certified mail a notarized Dispute Letter requesting that they verify the alleged accounts on my credit report ( attached ). The tracking from the USPS shows the letter was delivered on XX/XX/XXXX ( attached ) which they acknowledged receipt via email ( attached ). More than 30 days elapsed, and I have not received any response containing proof that EQUIFAX verified the accounts. The law stipulates ( FCRA Section 611 ) that the consumer reporting agency must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. I then mailed EQUIFAX a letter via certified mail which the tracking from USPS shows the letter delivered on XX/XX/XXXX ( attached ) advising them of their failure to respond and that because of that all unverified accounts on my previous dispute need to be deleted. EQUIFAX acknowledged receipt of that letter via email on XX/XX/XXXX ( attached ) but did not comply with my request or the law but rather informed me that they are starting a reinvestigation only ( attached ). According to Section 611 EQUIFAX has not established or met the criteria for extension of time from the original letter primarily for their failure to respond according to the law. I have and continue to suffer damages because I need to rely on an accurate and complete statement of my credit record which is reflected on the change to my FICO EQUIFAX credit score which has went down due to EQUIFAX operating outside the parameters of the law.
Consumer complaint received 2016-08-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Bepensa Capital, Inc. (AL)

I financed a XXXX motorcycle in XX/XX/XXXX from a company named XXXX XXXX.I was making payments on time ; due, to them receiving an allotment from my check. In XXXX XXXX, I received a letter in the mail from a company named AFS Acceptance that stated I was to start paying for my motorcycle with their company ; instead of XXXX XXXX. The letter included the wrong information about my bike, how much I owe, the monthly payments, and the dates on the payment coupons. There were numerous inconsistencies causing my wife and I to think it was a scam. I have asked them numerous times to provide me with my original loan that was transferred from XXXX XXXX and they have failed to do so. Now, I have a 90 day past due on my credit report. Also, I signed an agreement at the origination of the loan that stated my loan would not be sold.
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (CA)

This original debt was included in my husband 's discharged bankruptcy ( X/2015 ) ... .the effect of the discharge is it is NOT enforceable on those community claims pursuant to 11 USC 524.
Consumer complaint received 2024-10-02
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. (PA)

XXXX {$0.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA.

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treat
ment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.
Consumer complaint received 2017-06-30
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)

On XXXX XXXX I reviewed my credit with XXXX and they have my fico score is very damaging at XXXX in which it should be higher than that. XXXX statements of 60 days late payment and collection and 10 hard unauthorize inquiries has n't been deleted from my credit file after my file Bankruptcy Chapter XXXX on XXXX XXXX and it was Discharged by XXXX, Texas Federal Judge on XXXX XXXX. No negative statements, collections and unauthorize hard inquiries should n't be on my Credit report with XXXX, Equifax and XXXX. I did n't authorize no creditors to pull my credit without my personal signature, and if my signatures was provide it, than creditors should supply to Federal Government. The ten hard inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Michigan.XXXX pulled on XXXX/XXXX/XXXX XXXX XXXX XXXX . 2.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX.pulled twice in XXXX, even though I have car loan with XXXX why they pulled my credit without my consent. 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX pulled on XXXX/XXXX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX.pulled on XXXX/XXXX/XXXX 6.XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. XXXX.pulled on XXXX/XXXX/XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX . XXXX.pulled on XXXX/XXXX/XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona.XXXX XXXX.pulled on XXXX/XXXX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX . XXXX.pulled on XXXX/XXXX/XXXX 10.XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX.pulled on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX These are hard inquiries that are damaging my credit scores and plus collections and negative statements by XXXX, XXXX and Equifax. <P/> Also I never resided or lived at XXXX XXXX XXXX XXXX, Tennesse.XXXX.This address is on XXXX, XXXX and Equifax.This is Fraud.address
Consumer complaint received 2024-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (TN)

Wakefield and associates refused to give me any information on the debt they were trying to collect. I was previously garnished on a debt 4 weeks ago and wages were garnished. I was sued in 2018 without any summons to court or served. They got a default judgement since I didnt show up ( never knew I was was being sued ). I feel I am being targeted by this company since they were able to get a false judgement. One debt he disclosed was 7 yrs old. Statut for this medical is 6 years. In tn he said it was ongoing not statutes. Again refused to send what they are trying to collect
Consumer complaint received 2017-06-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I 'm a seller on XXXX. I have sold a few products with no problems. Today I sold a cell phone for XXXX dollars XXXX dollars shipping. After getting the product ready to ship I went to pay pal to confirm payment. I see that pay pal is withholding funds for no reason at all. Now I do not have access to funds in order to ship the product out. I see no reason to withhold funds after I have already made successful sales previously other than Paypal wants to keep my money for as long as possible. This amounts to theft, they have given me no reason to withhold money on this transaction other than there could be a potential problem. I have given them no reason to suspect there will be a problem. This practice needs to stop.