davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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 am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2016-05-02
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

I applied for a VA Loan Modification with my lender First Continental Mortgage Litigation Department on XX/XX/XXXX. 
On XX/XX/XXXX l received a Approval Loan Modification agreement in which the new VA loan modification is higher than the old loan. 
I used to pay {$1200.00} a month than my payments escalated to {$2000.00}. 
Old VA Loan interest rate Was {$880.00} and Principal was {$340.00} with interest rate.at 4.3750 % with No Prepayment Penalty. Old outstanding balance was {$240000.00} New VA loan modification mortgage is {$1700.00} with a interest at 4.125 % with a term of 360 months and with a Prepayment Penalty New unpaid principal balance is {$250000.00} I purchase home on XX/XX/XXXX. 
Why new VA loan modification approved mortgage is at {$1700.00}? 
Does the {$1700.00} includes property tax and Home insurance? 
It appears that lender implemented late payment fees, old property tax debt with new mortgage? 
I am not rejecting the new VA loan modification approved agreement but why l can not get a new VA affordable mortgage under {$1700.00}. 
I am on a fixed income XXXX XXXX Lifetime Pension of around {$3900.00} a month with no Social Security XXXX benefits or compensation.l was denied on social security XXXX. 
I am respectfully Divorced and l live alone in my home. 
I am respectfully a Military Veteran. 
I am on XXXX. 
Notice : I will send verification of lender docs to Consumer Financial Protection Agency by email. 
I have contact President Obama Administration on issues. 
I received VA loan modification approval letter on XX/XX/XXXX.by regular postal mail. 
Urgent Matters.. 
I am a XXXX XXXX XXXX. 
I am enrolled with HOPE HUD Greenpath program Counselor XXXX XXXX.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is one of my multiple attempts to notify EXPERIAN AND XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2023-07-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CO)

Last year on the studentaid.gov website : ( https : XXXX : XXXX ) There was a link to recertify my IDR plan early. 
I did this last XXXX, XXXX, and got a notification back from Nelnet that it was too early to recertify. 
On the same site it says " You wont be required to recertify before payments restart, and the earliest you could be required to recertify is XX/XX/XXXX. '' I then received an e-mail from Nelnet on XX/XX/XXXX saying I had a payment coming due of {$290.00}. 
I recertified immediately again when I saw this. They ended up putting me in forbearance and capitalized over {$10000.00} to my principle balance so I now have to pay significantly more for interest than if they would have accepted my early recertification. 
I called them about this on XX/XX/XXXX and they said there was nothing I could do about it and that when I recertified early I checked the wrong box! 
They said I recertified too early and too late! 
They said the notice about not having to recertify until XX/XX/XXXX didn't apply to XXXX loans. 
I've been struggling financially but their actions are making it more and more impossible for me to pay them back. 
In addition they tell me I can't consolidate my loans unless I want to extend my payments by another 10 years! 
They told me I could apply for REPAYE but that was a lie ... that option isn't available for FFELP loans without consolidating! 
They should have sent me a letter about the recertification due date because it was a very important issue considering the false/misleading information published on the studentaid.gov website.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (TX)

RE : Account Name : Preferred Customer Account ( Wells Fargo ) To Whom it May concern : Wells fargo put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they wouldnt take it off from my credit report. It is hurting my credit. They are calling me so many times everyday and harassing me. I am single mom and their calls are putting me into so much troubles at work my work 's place. I need help to get it removed from my credit report and to stop these harassment.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-13
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

I received several automated calls on XX/XX/12 advising I had a past due balance. I immediately contacted Toyota Financial customer service, explaining that to my knowledge all auto/recurring payments of {$400.00} ( the amount in my contract ) had gone through and I was confused how I had a past due balance. The representative was immediately confrontational, cackled at me and said sir, Im not sure how you couldve thought your payment was only {$400.00}. I asked her to pull up my contract, and she laughed, replied I can see right here your payment has always been {$420.00}. I asked multiple times for clarification why my payment increased ( and when ) and she could only offer that it may have been due to a refinance. I did not refinance my lease. Because the conversation went nowhere, I asked for a supervisor. She laughed again, and refused to transfer me to a supervisor.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (PA)

I called Equifax on XX/XX/2023, I advised them that there were student loans reporting on my report that had been closed over 10 years. I advised them to remove the student loans that had been closed over 10 years. On XX/XX/2023 they updated the information on the closed accounts to report for another 10 years. Which means these closed accounts would report for a total of 20 years. The loans were with : ( 1 ) US Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) Department Of Education/ XXXX XXXX XXXX XXXX There are a total of 10 closed accounts being reported inaccurately. These accounts need to be removed, they are causing a hardship on me and making it very difficult for me to get funding for a home.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (OK)

I requested a balance transfer through my XXXX credit card who use Elan Financial as a third party. The balance transfer was approved and check was mailed by them to XXXX XXXX for the amount of {$7500.00} on XX/XX/23. XXXX XXXX deposited the check on XX/XX/23. The amount was taken off the XXXX XXXX account but later put back on saying the check was returned on XX/XX/23. I now have {$7500.00} on my XXXX credit card account and my XXXX XXXX account. I have spoke with both parties multiple times. Elan states the check as cashed and there is nothing else they can do. XXXX XXXX states the check didn't go through. Each party says nothing else can be done so I now have the charge on each account. XXXX XXXX refused to reopen the payment investigation and asked I fax anything to their General Correspondence. I did fax them proof of the cashed check that Elan sent me a copy of. Last person I spoke with at XXXX XXXX said that doesn't help because they did try to cash the check and that's all the proves, it's that the check didn't go through. When I reached back to Elan they again stated the check was cashed and no further investigation can be done.
Consumer complaint received 2023-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is XXXX XXXX, I was in a tental fraud as followings : Landlord XXXX XXXX, Drivers lisence:XXXX, from Colorado ask a total of XXXX for one month rent plus deposit. 
Landlord address : XXXX XXXX XXXX XXXX, XXXX, CO, XXXX Here are three rental fraud transfer from Bank of America, XXXX transfer : {$500.00} to Email : XXXX Name : XXXX XXXX On XXXX {$700.00} to Email : XXXX Name : XXXX XXXX , XXXX {$1000.00} to Email : XXXX Name : XXXX XXXX , XXXX I think the XXXX XXXX account in BOA is already cancelled. But the bank might have a rack of account holder 's SSN. 
I'm contacting the Bank of America to stop the payment and refund mony to my account.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Siggi LLC (CA)

As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given to the following companies Written & Unwritten, verbal and non verbal per 15 USC 6802. 

XXXX XXXX XXXX XXXX, 2016 Omni Military Loans
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/year> I have contacted the various Credit reporting companies and requested in accordance with Section 605B of the FCRA, we have determined that the block request may have been made in error ; is a misrepresentation of material fact relevant to the request to block and/or you have obtained possession of goods, services, or money as a result of the transaction. I demanded a reinvestigation, as before when I had ask them to investigate they did not and I did my own investigation to find that my information was stolen and utilize by another individuals for several purpose and the companies were trying to hold me responsible. ONce again I would like for them to properly reinvestigate and remove the following : Credit First XXXX / XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take 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 several 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 2016-06-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

This complaint is in regards to the Wells Fargo branch at XXXX XXXX XXXX in XXXX California. It alleges bad faith on the part of the banker who serviced me and his supervisors or manager and the Wells Fargo dispute department. It also alleges discrimination in violation of the equal credit opportunity act and extremely unprofessional conduct by that branch and possible age and racial discrimination. 

On XXXX XXXX 2016 I went to get {$750.00} out for rent. I told the banker to place XXXX hundred dollar bills in an envelope. When I got home, I learned the bank teller had shorted me XXXX dollars yet lied and wrote down he gave me XXXX he only gave XXXX. I filed a dispute. The bank did nothing but believe the corrupt and prejudice banker. I believe this is age discrimination because I 'm a XXXX and XXXX discrimination because this bank only hires XXXX and XXXX to work and the the bank and a majority of customers appear XXXX or XXXX, this complaint accuses the banker of shorting XXXX dollars out of malice and falsifying the account record to claim he gave the proper amount. The banker is prejudice he would never have treated a XXXX or XXXX and or young person this way, it seems dare a person not XXXX or XXXX use the branch at XXXX XXXX XXXX in XXXX, they are treated like a second class citizen, maybe even stold from, that branch operates more like a criminal organization than a bank branch and the Wells Fargo dispute has not resolved anything, they just try to cover up. They have cameras and should have seen his misconduct. He shorted me a XXXX dollar bill yet lied! This cost me XXXX dollars of money I needed. I have been a customer for more than 20 years but this bank hit me when I was down, they hire XXXX bankers at the XXXX XXXX XXXX branch, this is the first time I had problems here, I had previously ordered a bank card here and the order was never processed, I had to call customer service to get a bank card because the banker was prejudice and never ordered a replacement card at this bank. I would recommend customers who are XXXX and not XXXX or XXXX stay away from the XXXX XXXX XXXX branch in XXXX. Because the bank teller lied stole money from me and they sided with him I will probably have to take this to small claims court. This is the worst banking experience I ever had, wells Fargo let XXXX immigrants take over this branch. I hope they plan to give some XXXX 's jobs and fast food jobs to robots, well I suggest bank tellers be replaced by robot bank tellers because robot tellers would not act XXXX, show racial preference or act unprofessional and short the customer money and blame the customer.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NC)

I had an auto loan with Wells Fargo that has always been paid in a timely manner. In XXXX of 2016, I traded in the car that was financed with Wells Fargo on a new vehicle. That transaction paid off the Wells Fargo loan. Nevertheless, since that time, Wells Fargo has reported to the credit bureaus that this account has been paid late. I have called Wells Fargo to correct my credit report to update the pay history on my credit report, but they have not done it. I have also disputed the delinquencies with XXXX, XXXX, and XXXX, but Wells Fargo is verifying the delinquencies. There is no way that I could have paid a loan late that has been closed since XXXX 2016.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.