davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CT)

I was instructed many times to put my student loans in forebearance when I was unable to pay the total amount due. I 've defaulted many times on my loans because the monthly payment expectation is not feasible and the interest rates, including those accumulated while the loans were in forebearance, or in default, is ridiculous. My loans are currently in forebearance now actually because I called to ask for help in lowering my payments and that was their solution.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was a victim of identity theft. I am the rightful owner of a property that I have previously submitted information to this office against Bank of New York Mellon, XXXX XXXX XXXX, and XXXX XXXX. This was a predatory lending loan and I was awarded XXXX settlements now that I have yet to claim. I am looking for assistance because I was waiting for word on the settlement and now I see a for sale sign on my property by XXXX. I was told that the state denied the foreclosure but the county persisted on padlocking my property. This could be a violation of law against a XXXX person as I was declared XXXX. I am looking to claim any and all settlements in regard to this property as I paid over XXXX toward it and remained on the property until it became unlivable. Now that there has been an award I have been further victimized by identity theft and persons attempting to stake claim on my property.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

I purchased a one time credit report and FICO score from Equifax. The credit score analysis indicated that my most recent late payment was 2 months ago. However, my credit report does not show a late payment for at least a year. I contacted Equifax via email and received responses. The responses were general in nature that late payments have a negative affect ; however, it did not address the issue such that the credit score is indicating a late payment from 2 months ago while the credit report itself shows no late payments in at least a year. I further pursued clarification from the Equifax who indicated that I should call their customer service. I called the customer service number and spoke to an individual who provided the same generic information - that late payments can have a negative affect on my score. 

Both products were purchased from Equifax at the same time - I provided information that the score indicated a late payment two months ago and asked Equifax which account was reporting it. They were unable to tell me, and the credit report itself does not list any late payments for any accounts newer than 1 year old. 

Someone, somewhere is reporting a late payment on my credit report and it is n't showing at all - If, as a consumer, I am not able to see all information reported then the spirit of the FCRA is not being met. I ca n't dispute an item that does n't actually appear on my credit report ; if it does n't appear it should not factor into my credit score. 

I 've attached to this complaint the credit report showing no late payments in the last year, and the screenshot from the FICO score purchased from Equifax which indicates the last late payment was 2 months ago. 

Thank you for your consideration, XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out to address an issue regarding an account that appears to be erroneously linked to me as an authorized user. In light of this, I am exercising my rights under the Fair Credit Billing Act ( FCBA ) to demand a comprehensive investigation into this matter. 

Account Information : XXXX Account Number : XXXX Reason : Please Explain how youre reporting a Balance and past due amount on a closed/Charge-Off account. 
Instruction : Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts I request a detailed record of all transactions related to this account, encompassing charges, payments, and any adjustments. Access to this information is essential for confirming the inaccuracy of the account 's reported association with my financial identity. 

If you are unable to provide the necessary documentation within 30 days of receiving this letter, I respectfully request that this account be removed from my credit reports with all reporting agencies. Such a measure is in line with your duty to ensure the accuracy of reported credit information. 

Thank you for your immediate attention to this request. I am eager to see this issue resolved swiftly and am hopeful for your prompt cooperation. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Data Corporation (MD)

My business sold XX/XX/XXXX. First Data continued to debt my business account for use of their credit card machine for months..After the new owners obtained their credit card machine, I received a letter form First Data on XX/XX/XXXX requesting {$51.00}, because I closed the business bank account.. I then removed the machine, mailing it back to First Data on XX/XX/XXXX. First Data then informs me I still owe for the machine. I returned it and they acknowledged they received it.I have requested a copy of any contract they say I signed to pay even if the business sold.Fist Data would not send a copy. They have now turned this over to a collection agency XXXX XXXX, NY..
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PR)

In the month of XX/XX/2015, my email address ( XXXX ) was hacked and used to send messages to people associated with my business. At that time, transactions for the purchase and sales of products were made. The hacker forged the identities of our customers and suppliers, creating email addresses similar to those recorded in our email account, which they then used to communicate with our customers, our suppliers, and us. 

The hackers fraudulently and inexplicably opened XXXX ( XXXX ) accounts with WELLS FARGO BANK in XXXX XXXX, California.
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (GA)

XX/XX/XXXX I applied for a Wal-Mart Credit Card because of a breech of my personal information by XXXX XX/XX/XXXX I have a credit block on my credit file Sychrony Bank ran my credit not only for the Wal-Mart credit card that I applied for but also for a Steinmart Credit card which I did not apply for. On XXXX XXXX, XXXX Synchrony Bank sent me an email with the determination of the Wal-Mart credit application by email with a link embedded in the email. The link did not work so I contacted Synchrony Bank by phone and spoke to XXXX who informed me that the application was declined because of the could not pull my credit score to approve the application. She place me on hold and while she did I accessed my Credit via XXXX, XXXX and XXXX and discovered that Synchrony had pulled my credit score not once but twice. The representative XXXX stated that she would send me out the reason for denial however she advised me to remove the Credit Block from my credit file to have the application processed. When I questioned the validity of her suggestion she explained that if I wanted to have the application processed this was what I needed to do. When I confronted her with the fact that Synchrony Bank had already pulled my credit twice for XXXX different credit cards she thanked me for calling and the call was ended.
Consumer complaint received 2016-07-28
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blakely-Witt and Associates, Inc. (TX)

This is for a complex that I never lived in and charged me and put this on my report card. I want this removed. This does not belong to me. This apartments were called XXXX. They are owned by XXXX XXXX. XXXX do not exist.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (TX)

Since XXXX, 2013 I have been disputing the removal of US Bank 's credit card account that 's displaying on all XXXX of my credit bureau reports-XXXX, and XXXX. I first disputed this issue with US Bank directly before submitting my online disputes with the XXXX, and XXXX 

I spent approximately {$40.00} in USPS Flat Rate Mailing Envelopes that I personally paid for which included documentation that the credit card account reflecting on my reports does not belong to me. I am showing up as a joint account holder, while at the same time I do not recall have any affiliation with US Bank except for owning a checking, and savings account with them. I no longer have those accounts, but nevertheless I never had a credit limit of {$2000.00} with US Bank, or any financial institution for that matter. If I did, I would certainly not have allowed it to get charged off, and I would have found some way of negotiating payment arrangements with them to settle an account with the status it 's reflecting on my credit reports. 

I have exhausted my efforts with disputing this directly with the creditor, and the credit reporting agencies. It keeps coming back as verified. This is unacceptable and I would highly appreciate it, if US Bank would remove their credit card account off of my reports immediately. 

This has caused significant damage to my credit applications submitted since the time period that I noticed it started becoming negative. I only noticed it on my credit reports once I received a mailing notice from them. Had it not been for their mailing notice they sent me prior to my initiation of the disputes I probably would not have noticed it. 

I also find their correspondence department to be a primary cause of the delayed issue resolvement on removing this charged off credit card account from my records. 

If it was mine, I would surely claim it, as I would anything else that may, or may not be negative on my credit reports. 

I am individual who will pay dues that are owed by me, but I will not pay dues that are owed on behalf of someone else, especially with a charge off of {$2400.00}. That is not going to be tolerated any longer. I am trying to obtain an auto loan, and this account is what is keeping me from receiving one at an affordable APR, and monthly payment. 

Therefore, as my last complaint description part of this, I would like to inform US Bank that if this matter is not resolved within 30 days from the receipt of this complaint, I will be going a step further in escalating this to a higher authority.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

The account has been repeatedly updated as canceled every month. This is a payment history update. A canceled account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your negligence has violated my rights. I demand the deletion of the following account : The XXXX XXXX XXXXXXXX account was closed XX/XX/XXXX, however, I never paid, this card was opened fraudulently, it was updated XX/XX/XXXX reported in collection / charge off, it does not report the number of accounts, the accounts in total are 2 accounts that appear with XXXX XXXX XXXX/ both accounts appear/ charge of XXXX THERE ARE TWO ACCOUNTS ONE CLOSED ON XX/XX/XXXX UPDATED XX/XX/XXXX / last payment is reported XX/XX/XXXX I never opened this account, it was opened fraudulently / XX/XX/XXXX LIKE GHARGE OFF XXXX ALSO APPEARS LAST PAYMENT XX/XX/XXXX REPORTED XX/XX/XXXX XXXX XXXX APPEARS IN COLLECTION / charge off updated XX/XX/XXXX every month they report it as unpaid these accounts were opened fraudulently XXXX XXXX another account reported as closed XX/XX/XXXX collection/charge off Reported XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-12
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (CT)

I 've been attempting to file a debit card dispute today, XX/XX/XXXX, with Paypal for a transaction on XX/XX/XXXX to XXXX of XXXX for XXXX. However, despite numerous calls to several different numbers to Paypal, quoted a hold time of well over a hour, I have been unable to place transaction in dispute. Ive even requested to be transferred to a U.S. based rep, either told call can not be transferred or put on hold with no answer, was on hold for well over half hour.. Later told hold time ( s ) are over one hour on several additional call backs ... This transaction can not be placed in dispute via their site as it is a debit card transaction or else I would have done so. Please advise Paypal I will not be making any further calls as I have wasted several hours on calls to numerous different numbers, even several to their corporate office line. The transaction is a deposit in the amount of XXXX for a special ordered vehicle, the bank was unable to approve full financing of vehicle and refund of deposit appears to have been refused by merchant. I emailed my sales rep and have not heard back in re as of yet. I wanted to place a dispute but again, have been unable to due to extremely poor service mentioned above. As a resolution I might suggest simply crediting the account the XXXX and or placing the dispute with information provided above as again, I will NOT make any additional calls in about this as Ive made good faith attempts and gotten nowhere.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

On XX/XX/XXXX I entered a bill pay with XXXX XXXX in the amount of {$3000.00} towards principal on my Ditech account. The money was received by Ditech and credited to my mortgage account on XX/XX/2016. On XX/XX/2016 Ditech said they returned the money to XXXX XXXX for insufficient funds. This was an electronic transaction from XXXX XXXX so how there could be insufficient funds is a mystery to both me and XXXX XXXX. On XX/XX/XXXX I received a letter from Ditech stating that a payment of {$1000.00} had been returned for insufficient funds and a {$20.00} fee charged to my account. 
Since this time I have made a dozen calls to Ditech, two of which were three way calls with XXXX XXXX. ( I 've made three calls today. ) I was told that customer service representatives are not allowed to forward calls to supervisors on Mondays. Both XXXX XXXX and I have asked for a routing number or copy of the check for the return payment to XXXX XXXX. We have been told by Ditech they do n't have access to routing numbers or specific information about a returned payment. Ditech took 30 days to investigate and sent me a letter stating that the {$3000.00} had been returned due to insufficient funds with no proof of the return. Note that this is a different amount than the original letter. 40 days ago Ditech asked for and was sent a statement of the last 30 days of my account. The transaction is referred to as XXXX on my account. 
Ditech has stolen {$3000.00} and has not returned it. Ditech refuses to assist in finding where the funds have gone. This is theft and fraud. 
I have my bank information regarding the time frame in question as well as a proof of payment from XXXX XXXX
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I have paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE CREDIT SCORE
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Professional Recovery Management (FL)

I have disputed these accounts with Fox Collection Center ( see attached letter ). To date, this collection agency is yet to provide me substantial documentation to support my owing them. I have requested copies of all documents sent to me regarding these accounts as well as papers that show I agreed to pay them what they say I owe and that the documents bear my original signature. This company is reporting terms on my credit reports and I have never entered into any contract with them. Additionally, consumer law states that collection agencies may not report terms on my report unless I have indeed entered in a contract with them. I have never heard of this company. These erroneous, inaccurate, unverifiable accounts must be removed from my reports immediately.
Consumer complaint received 2017-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NC)

I emailed a copy of the XXXX agreement to Ocwen on XXXX XXXX, XXXX. Also after emailing the document, I MAILED ( the same day ) the original signed document and a CHECK for the amount of the XXXX XXXX, XXXX Payment. The check still has n't cleared and also I received another request for the signed document, almost 2 weeks after I mailed it. I have now UPLOADED the document directly the page, but I do n't want to make the payment online because last time I did that, they cashed the check I sent ( said they did n't have ) the VERY NEXT DAY and double hit my account, causing other items to bounce. 

I feel like this is some kind of game they play with modifications so they can deny them. This is my second modification with Ocwen because they said the same XXXX the first time. Even though I made ALL the trial payments, I never mailed the signed contract in. You can go back through my history of complaints and see that we have been through this before. I provided all the documents and they still made up go back through this process again.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHRISTUS HEALTH (TX)

Had a XXXX in XXXX of XXXX. My next medical follow up with just my XXXX XXXX was in XXXX of XXXX. I logged onto Christus Health Website to pay my copay for that upcoming visit. That is when I noticed they had put an outstanding debt from the XXXX on my account for over $ XXXX. They claim I signed some from that I would pay out of pocket for the XXXX. Nobody disclosed anything about my paying out of pocket just in case Christus couldn't do their job, I signed a lot of forms in preparation for the XXXX. Christus filed the XXXX incorrectly with XXXX and now want me to pay because they didn't complete their medical billing properly. All other items that were related to the XXXX were covered and my insurance does cover this XXXX. The reason XXXX did not cover was due to whatever billing error from Christus. XXXX has stated that I am not responsible due to the billing error. However, now Christus is trying to put this in Collections and damage my credit score and reputation.