davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
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. (AL)

I have reached out to Experian more than three times. By web site and also by phone asking them to verify a bankruptcy that they have been reporting on my credit for the past seven years. I called today Friday, XX/XX/2022 at approximately XXXX oclock and the lady told me that they have verified twice with the Alabama bankruptcy court that the information that they are reporting is accurate. this is not true. I told her she was lying. I have a letter that I did submit to Experian from the Alabama bankruptcy court stating that they do not verify and have not verified any of my information with Experian. I also know that they have not verified information that they are reporting because I know that information they are reporting is not accurate. I contacted the attorney that filed my bankruptcy for the correct dates and I also have my bankruptcy papers. I told them this on the phone and they wanted me to verify the information to them. I told them it was not my job to verify the information they were reporting. It was their job to verify with the original debtor which is the Alabama bankruptcy courts the information that theyre reporting is correct. If they can not verify the information that theyre reporting then it must be deleted. When I mentioned them using a third-party instead of them verifying through the original debtor she told me they did not use a third-party which was another lie. 
They have said theyve completed investigations that they verified through the original debtor which is NOT TRUE. They also said that their information is accurate which is also NOT TRUE. 
By law they have to delete it and they are refusing to remove this from my credit report.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (IN)

On my XXXX, XXXX, AND Experian credit reports, it does not show all of my open credit card accounts. On my XXXX, XXXX, AND experian credit reports, it only it should show 4 open accounts total XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX my XXXXXXXX XXXX XXXX XXXXunt when it should show 4 open accounts total XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

TD BANK blocked my account on XX/XX/XXXX and they blocked all my money, they said that the bank had made the decision to close my account and that they would return my money in a check and then week after week the assistants of the bank located in XXXX  fl they gave me different excuses, even mentioning that they did not know where my money was and that they did not know if they would return it to me in a check. 
Time passed and every week they avoided attending me or talking to me but one day they attended me they told me that my account was closed effective XX/XX/XXXX and that I should wait until XX/XX/XXXX when a check would arrive but on XX/XX/XXXX I returned to the same branch where the man who attended me told me that he did not know where my money was and that the best thing was for me to forget about it, causing a strong reaction in me to the point where this worker, telling me that it was against his rules, would show me the screen of his computer so that he could read the emails he had about my case ( I have video ). 
On XX/XX/XXXX, I returned to the branch of this bank where the same man who told me that he did not know where my money was, answered me and I quote -I DID NOT SAY THIS, BUT THE BEST THING IS THAT YOU GET A LAWYER.- ( I have video ) where it tells me that the bank has made the decision not to return my money.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (PA)

I have contacted Affirm regarding the Theft of my Identity However, they have stated that the Items was going to be deleted off my credit report within a few days, I've called them twice a week about this account and the theft of my identity, No one NEVER TRIED TO CONTACT BACK. I am not responsible for this Fraudulent Affirm account that was created under identity theft I have never opened up a XXXX account or purchased anything from that company or any company using Affirm. I am Requesting that affirm show me A Debt Validation, in accord with " Fair Debt Collection Practices '' Provide verification of the debt, as being true, correct and authentic, sworn by oath or affirmation with wet ink signature signed under the penalty of perjury ; and please Include the address that the Merchandise was shipped. Affirm is in violation under the FCRA 15 USC 1681a ( e ) Before anything get furnished on my credit report it supposed to be investigated through interviews with neighbors, friends, associates or myself who has knowledge concerning this matter, which was not done by Affirm. The Company Failed to follow the law. I have contacted the Federal Trade Commision regarding this matter I also presented Affirm with an Identity Theft Affidavit from the FTC which they fail to take in consideration. My rights are being violated under the FCRA and FDCPA.
Consumer complaint received 2022-08-05
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. (IL)

I am XXXX XXXX, and I am submitting this complaint on my behalf I been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. I sent them letters over 30 days ago and they failed to get back with me and they failed to notate that these accounts were in dispute plus these account violate the FCRA and FDCPA these accounts must be deleted immediately.
Consumer complaint received 2022-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

This complaint is to report continuing a issue of Navient illegally altering the terms of my loan without my consent, forging my signature and harassing my family. The complaint XXXX This complaint documents that Navient has XXXX providing false and misleading information about my student loans for years. After the company responded to complaint XXXX Navient placed one of my student loans on forbearance at a very high interest rate without my knowledge or consent. Altering the loan in such a manner clearly violates the initial loan agreement on the lenders side and thus makes this loan eligible for discharge under new federal law.
Consumer complaint received 2022-08-05
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX there is a XXXX XXXX XXXX reporting {$7900.00} reporting incorrectly XX/XX/XXXX XXXX XXXX reporting $ XXXXopen and closed with the other credit bureaus reporting incorrectly and two hard inquiry Jpmcb credit card service and XXXX XXXX XXXX XXXX that doesnt belong to me and also several addresses and my name missed spelled reached out to the credit bureaus and creditors to have these items removed no response in over 30 days and Im being affected by XXXX  my scoring has changed
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have previously disputed this account, however, I have attached a copy of my XXXX credit report just to show the inaccuracies in the payment dates. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being that the payment history in inaccurate for both, this item must be removed from my credit report.
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NM)

Specialized Loan Servicing LLC ( SLS LLC ) assumed our loan servicing function as of XX/XX/XXXX. Their letter to us stated several methods of payment which would be acceptable once they began servicing of our loan. We set-up Bill-Pay through XXXX XXXX Bank to be made beginning XX/XX/XXXX and thought we would continue paying without problem as we had for the previous 6 years with other loan servicing companies. We received a Mortgage statement from SLS LLC dated XX/XX/XXXX which showed a past-due amount from the previous month of XXXX and a XXXX payment due XX/XX/XXXX which totaled {$4500.00}. We checked our records with the previous servicing company to verify that the XXXX payment had been made and credited for that month which it had. We immediately called SLS LLC and informed the agent that the XXXX payment had been made and asked why they hadn't received that information when SLS LLC assumed our loan. We were transfered aroung until someone checked their records and said that they showed record of the XXXX payment and to disregard the Mortgage statement that showed the deliquency. During this time, our BillPay payment for XXXX was made through XXXX XXXX Bank and was returned the next day as undeliverable to SLS LLC. I checked all the mailing information contained on the XX/XX/XXXX letter from SLS LLC to verify I had input it correctly into the XXXX XXXX BillPay set-up. I attempted to pay the mortgage a second time after verification of the information and that payment was subsequently returned undeliverable again. We have since called SLS LLC multiple times, once on a conference call with a XXXX XXXX Banker, and each time employees of SLS LLC have tried to blame the problem on XXXX XXXX. During the conference call, the XXXX XXXX employee was able to verify that SLS LLC had refused to accept the payment and returned it to them. SLS LLC employees have tried to solve this problem multiple times to no avail and have returned to us 4 separate payment attempts from XXXX XXXX BillPay ( the XXXX payment was made by personal check sent through USPS ). We had a late fee taken off our account for the month of XXXX but were informed by SLS LLC employees that was a one time courtesy. To date we are still unable to use our BillPay option for payment and keep being told by SLS LLC employees to set-up automatic payment by giving them access to our banking information which we will not do. It's obvious that SLS LLC payment system is not functioning properly and yet they seem unable to iron our their problems while continuing to blame other entities. We didn't ask for our loan to be transfered to another servicing company and seem to have no control over this unacceptable level of behavior by them. Please help resolve this soon.
Consumer complaint received 2022-08-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY (CA)

On Friday, XX/XX/XXXX, I received a call from XXXX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, CA XXXX At first they refused to disclose who they were or why they were calling and said that papers were being served against me, and that I had to verify my social security number and phone number. I asked her if she was calling to serve legal papers from the courts and she said she couldnt tell me unless I provided my personally identifying information : she did not say no, which allowed me to think this might be the case. They would not disclose what type of papers or that it was an attempt to collect a debt, but wouldnt give any additional importation so I hung up. 

Then a manager, XXXX XXXX XXXX called back and said it was for a balance from am overdraft fee from XXXX for about {$220.00} from TD bank, and that if I didnt settle immediately that I would have to go to court, and have to pay their legal fees, And the bill would be more like {$1000.00} dollars. 

At that, I agreed to that old debt and paid it. Then, I looked up the statue of limitations and realized it was long past. 

I called back and spoke to XXXX XXXX about the matter, told her it was illegal to mislead me, that the statue of limitations in New York was three years for an old debt, and asked for my money back. She said that the mark has appeared on my credit as recently as XXXX, and that the account was only a couple of signatures away from litigation. I said that was still past the statue of limitations, then she agreed that was true, and in fact it was a lie and could not be sued. 

She said that if I canceled the payment it would restart the clock on my debt. I would never have even spoken to these people if they hadnt lied.
Consumer complaint received 2022-08-05
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXX XXXX  XXXX ), has violated my rights. 

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

15 U.S.C. 1681 section 602 A section 2, it also states a consumer reporting agency can not furnish an account with out my written instruction or consent.
Consumer complaint received 2022-08-05
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: EQUIFAX, INC. (NY)

Please help! I noticed some fraudulent accounts on my credit report. They're hurting my score drastically. I have submitted a complaint with the Federal Trade Commission and need these accounts to be removed immediately. 
15 U.S.C 1681 Section 604 A Section2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Under the law of section 695 of the FCRA, you have 4 days to comply. Thank you!
Consumer complaint received 2022-08-05
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. (CT)

Hello On XX/XX/XXXX I sent out a letter to Experian, XXXX, XXXX I asked for a full validation of the reported information for 3 items. Amounts were for {$9100.00}, {$890.00}, {$470.00} I asked for signed, original contracts for that correlates to the accounts in question. I got billing statements but now signed contracts. I sent a follow up letter on XX/XX/XXXX stating I previously requested that you provide original contracts for the items that I previously disputed. I have reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.You are required to fully verify the above disputed items within 30 days, or you must delete the items from my credit report.You are required to do this under the FCRA 609/611. I have since received an email saying that this has been validated but the items are still on my report and not signed contracts were provided.
Consumer complaint received 2022-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, I received a text message stating it was from wells fargo asking if I made a transaction to XXXX for {$640.00}, I replied No and get a text message back stating that my card has been restricted and a phone call has been generated. I then received a phone call from a banker who stated that his name was XXXX and gave me his ID # XXXX. Once again asked if I made the transaction at the XXXX in XXXX FL. I told him no and he asked about another transaction he seen at a XXXX XXXX also in XXXX FL for {$400.00} and I told him no. He then sent me a text message from the same number asking to verify my username so he could shut down my online account, so no more transactions could be made. I responded and once he was in asked if i had added a XXXX XXXX to my XXXX account and authorized a transaction for {$990.00}, I stated no once again and a code was sent for me to call back to the banker to cancel the transaction. He stated that the transaction had been canceled and that my online account would not be accessible for 3-5 days and my new debit card would arrive in the mail. he asked several questions and sent different codes for me to call back to him. The original text came from XXXX the messages which the codes were sent from was XXXX. Keep in mind that I was at work and handling this call and reading the messages off my apple watch. After completing the phone call with XXXX, I continued to get messages from wells fargo letting me know that I had added 4 different recipients to my XXXX account through wells fargo. I called Wells fargo back later that afternoon to check on my account and claims and the wells fargo banker told me that no claims of unauthorized activity had been reported and no transactions to XXXX and XXXX XXXX had happened. I had been scammed and he used those transactions as a scare tactic to get my information and change my online account password and send out 3 different XXXX transactions totaling {$990.00}. The banker made 3 different claims for each of the transactions, and I forwarded all texts to XXXX. was told that it would take 10 business days for my claims to be handled. On XX/XX/XXXX I received 3 letters stating that each payment was processed as requested and my claims had been closed. 

The XXXX recipient was a XXXX XXXX with a email of XXXX XXXX. {$190.00} XXXX. {$390.00} XXXX. XXXX Totaling {$990.00} that was taking out of my savings account from a scammer. 

Original text message was from XXXX Phone call came from XXXX - Which is wells fargo costumer service line Scammer stated his name was XXXX and his ID # was XXXX
Consumer complaint received 2022-08-05
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: Bread Financial Holdings, Inc. (TX)

I noticed that a new credit card from Comenity Bank XXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the Comenity Bank they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the Comenity Bank rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXXXXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called Comenity Bank and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The Comenity Bank account that was created under my name had the last 4 digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.
Consumer complaint received 2022-08-05
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 XXXX XXXXXXXX XXXX Act. # XXXX, XXXX XXXX Act. # XXXX and XXXX XXXX Act. # XXXX have violated my rights. 

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. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.