davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 I went in to Wells Fargo Bank in XXXX XXXX, CA. I was wanting to close my checking account, and in an attempt to consolidate banks/accounts I asked if closing my secured card would affect my credit score or if it would not be worth it to close. The bank teller told me that due to it just being a secured card ( with small credit limit ) it won't damage my score, so I continued to close that as well. However, I was told several days later that it should not have been closed due to it being my oldest line of credit. I went back in to the same Wells Fargo branch and asked if they can reopen my account without another application or pulling my credit score- as I was told incorrect information. They said there was nothing they could do for me. They mailed a check for the collateral balance of {$300.00} which has not yet been cashed out due to me trying to fight this issue. Due to the misinformation I was given at the bank, my credit score is likely to take a significant hit since that was my oldest line of credit by far.
Consumer complaint received 2018-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

On XX/XX/XXXX Rushmore Loan Management Services made a payment from my escrow account for {$300.00} for Mortgage Insurance ( PMI ) due XX/XX/XXXX. The payment due XX/XX/XXXX was made by XXXX XXXX XXXX ( my prior mortgage company ) before the servicing of the loan was transferred to Rushmore. 

I spoke to Rushmore on the phone for nearly an hour attempting to resolve this and received nothing but the runaround from the representative as well as the supervisor that I spoke to. They said it was my place to prove that the payment was made by the prior mortgage company. These are records they should have received when accepting the transfer of responsibility. 

I paid to have proof faxed to them that the payment was previously made and have yet to receive any response. 

Rushmore Loan Services reviews speak for themselves. They are a terrible company to deal with and it is even worse that they were not selected, the loan was merely transferred to them. 

I find it absolutely crazy that they actually reside in Puerto Rico and are treating United States consumers in such a way. I hope the Federal Government steps in and shuts them down. 

I want the overpayment/duplicate payment of {$300.00} refunded to my escrow account ASAP!
Consumer complaint received 2018-12-03
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. (CA)

The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually  paid a ahead.Ref
Consumer complaint received 2018-04-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I have not been able to afford my student loan payments from Navient due to unemployment and Navient has been harassing me by phone, calling me often eight times a day during the week, calling me several times during the weekends, and calling me after XXXX at night almost every night. My last straw was when they called me tonight at XXXX. 

I should not be harassed like this day in and day out from XXXX to almost XXXX at night because I am unable to afford the egregiously high student loan payments that Navient wants -- whether it's the full payment or interest-only payments -- while I am unemployed. I no longer have any remaining forbearance or deferment and need the CFPB 's help to stop this harassment.
Consumer complaint received 2018-12-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

I have a loan with Wells Fargo Dealer Services XX/XX/XXXX and I was paying roughly XXXX every month for the loan they raised the payments to XXXX a few months later. I got my hours at work cut by half and had trouble making payments to my other bills shortly thereafter. I kept the loan with them in great standing making my payments on time given the circumstance. I had family hardships with a family member being injured and not being able to work since XX/XX/XXXX my monthly expenses grew even more so I started falling behind on the loan. I was able to get back on track with the payments by setting up a payment plan but as a result of making partial payments I was deemed late and it showed on my credit report. I tried to see if they could help me out with some goodwill on removing those off my report but had no success. I'm currently trying to improve my credit and I'm hoping this could help clear up some of those marks against me to get a better job in the future.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/2022 my XXXX  and I applied for a personal loan in the amount of {$20000.00}, in order to consolidate our credit card debts into XXXX monthly payment. Unfortunately we were denied. The VyStar credit union stated our debt to income ratio was to high. The problem we both have with this is the fact we pay our bills on time and never late. We even have a car payment with VyStar credit union, which is on time or payment is made early every month. I'm just wondering if this credit union is suppose to be there to help the people, where is the help? We reached out to them in order to better our lives and situation and was denied the help we truly needed. I do understand the debt to income ratio being high but that's because of the credit cards. We received a phone call on the same day we applied stating we were denied and they also stated we should close our credit cards. I myself know first hand that you should never close out your credit cards. I feel they don't trust there customers at all but they want us to trust them with our money.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

The vehicle that was leased through the consumer was deemed a total loss. They ended up closing my account and stopped my payments as I was not able to make my payments to the consumer was the vehicle was going through the total loss process. I had contacted the consumer multiple times as they kept updating the balance on my account when it was originally at zero. The vehicle lease payment was settle through an Insurance Claim and it was paid. I contacted the consumer because they flagged it on on my credit report as late when I made all payments on time. They sent me a letter stating that the account was closed and my vehicle lease has ended. Now the account is showing on my report as open with a missed payment of 60 days past due. Contacted the consumer to resolve this matter and they advised me that it was nothing they would do. I have been having this issue since the vehicle was stolen from me in XXXX into XXXX.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (IA)

XXXX previously was opened to address Wells Fargo and their shady theft. They were able to confuse you like they did something when they only gave a minute credit amount to extra things they already owed for. As stated previously I called Wells Fargo fraud division starting back on XX/XX/17 to close my account due to activity being emailed to me that I had not initiated. 2 more times for a total of 3 I demanded the fraud group close my account and they continued to keep it opened, calling me every day for 3 months and sometimes 2-3 times a day. They finally closed the account but only because I refused to make yet another deposit to the account like I had done 2 other times only for them to eat up the funds and make yet more negative balances from whatever bogus charges they wanted to make up to get it there. They need to remove me from any negative XXXX  blacklist they've done by doing this like XXXX XXXX   and clear this account to XXXX balance and never contact me again.
Consumer complaint received 2024-10-08
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Credence Resource Management, LLC (TX)

Credence Resources Management contacted me through email, from there I made an attempt to contact them over the phone to attempt to resolve the issue with my debt knowing full well that this entire debt was cause by an integrity issue with XXXX after my wife had a XXXX and could no longer work. But also the lies kept coming. XXXX lied saying they would suspend my account when I told them to. They didn't, plus told me they would lower a bill when i returned equipment which i had already returned. They didn't. Then the debt collector tried to tell me how the return process was done with XXXX which he knew literally nothing about. So he lied about that and also tried to also give me the runaround snd tried to justify my debt with XXXX when he pretty much told me that even though i had asked XXXX to suspend my account and i was told i would not incur any more charges to my account by the representative 's I had spoken to from XXXX. Furthermore the debt collector continued to push me to pay up or they would continue to hit my credit which I would consider to be a threat to my lifestyle.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (VA)

Myself XXXX XXXX and my wife XXXX XXXX were stationed at XXXX XXXX XXXX with the XXXX XXXX. I am still currently XXXX. We rented a house from XXXX XXXX XXXX located in XXXX XXXX, XXXX on XXXX. The address of the property was XXXX XXXX XXXX XXXX, XXXX XXXX. Upon receiving orders to our current duty station at XXXX XXXX, XXXX I gave XXXX the proper notification and established an appointment for a move out inspection for XX/XX/XXXX. The move out inspection was completed and signed by both parties to include XXXX XXXX XXXX. approximately 35 days on XX/XX/XXXX I received a bill from XXXX   XXXX XXXX for {$1600.00}. The damages from the Move-out inspection agreed to by XXXX XXXX XXXX would entitle me to {$800.00} of my initial deposit. The bill for damages did not arrive until XX/XX/XXXX which exceeds the 30 day limit by XXXX XXXX. Due to XXXX  exceeding the time line of the damages XXXX XXXX  states I am entitled to 11/2 times the deposit in damages by XXXX. The amount billed by XXXX  of {$1600.00} was in addition to XXXX XXXX XXXX withholding my initial security deposit of {$1900.00}. I first contacted their financial department with a letter disputing claims due to the close out inspection which is including in their contract. After they replied with pictures and ignoring the closeout inspection and including damages that were caused due to XXXX  workers that were hired to fix work orders and. I then contacted a JAG Lawyer Captain XXXX XXXX from XXXX XXXX XXXX who decided to provide legal assistance. CPT XXXX also called, emailed, and sent a letter to emerald property to include all evidence that proved XXXX XXXX to be erroneous in their attempt to collect on the debt. XXXX XXXX XXXX then sent the debt to collections without notifying me that they were going to do so or contacting Captain XXXX. I received a letter from Hunter Warfield Debt Collections  on XX/XX/XXXX. Captain XXXX XXXX then had to write a letter to Hunter Warfield stopping the collection under the fair Debt Collections Act. All evidence provided XXXX XXXX XXXX fails to address the correlation between the move-in and move-out inspection which violates their own contract which requires a move-out inspection which requires both parties to agree upon damages.
Consumer complaint received 2018-04-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Social Finance, Inc. (IL)

Began process of applying to refinance student loans through SoFi on XX/XX/XXXX. Existing loans are serviced by XXXX and XXXX. Completed process on XX/XX/XXXX and received notice that my loan was being transitioned to XXXX as servicer. On XX/XX/XXXX, saw that interest had begun accruing on SoFi loan as displayed on XXXX website. However, at this time, funds had not yet been issued to my existing servicers, which I confirmed by viewing my dashboard on XXXX and XXXX websites and via a web chat with a XXXX representative. 

Per my attached lending agreement with SoFi, interest should begin to accrue as of the " Disbursement Date '' which is defined as " the date you [ SoFi ] issue money on my behalf to the creditors of my Prior Loans '' ( see sections E.1 and D.4 ). Because the money has not been received by the creditors of my prior loan, the definition of Disbursement Date has not been met, and interest should not begin to accrue on my loan with SoFi.
Consumer complaint received 2018-04-05
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. (VA)

Collection debt from XX/XX/XXXX in XXXX XXXX, VA for service at a local emergency room on XX/XX/XXXX, reported to Experian with my name and mailing address in the amount of {$260.00}. I tried to dispute online to no avail. I have not been in an emergency room since XX/XX/XXXX. 

When I called the collections people directly, they could not find an account attached to my social security number or birth date. How can this debt be attached to my credit record, when these things can not be verified? They refused to correct their report, unless I had my son call them. 

By the way, my father, my son, my grandson and I all share the same name. I suppose this debt belongs to my son. I am no longer responsible for his medical expenses since he is XXXX years old.
Consumer complaint received 2018-12-03
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: DFC Global Corp. (CA)

The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually paid a ahead.Ref
Consumer complaint received 2020-05-08
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: ALLY FINANCIAL INC. (GA)

I recently checked my report after trying to purchase a car and was denied. I notice multiple hard inquires for the car dealership trying to push for me to get an approved loan but I did not authorize these transactions.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

It has been more than 30 days since my dispute with Professional Debt Mediation Company and  they have not provided the information as requested. In my last complaint they said they needed more time. They have received an additional 30 days already. They havent provided it because they can not prove it because I dont owe it. I am requesting that they follow the law and immediately remove this from my credit report since they can not verify the debt. They still have not furnished evidence of a certified letter being mailed to me. Because it was never mailed. I do not owe this money. Please have them remove it.
Consumer complaint received 2018-04-05
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. (KS)

I purchased a car at XXXX XXXX in XXXX XXXX kansas in XX/XX/XXXX. When they went to process the loan they had my credit checked multiple times. These are the lenders that all did hard inquiries on my account XX/XX/XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  my ex husband used my information without my permission. We were married at the time. I did not sign anything or authorize anything. 

XX/XX/XXXX XXXX XXXX my ex used my information without my permission. We were married at the time. I did not sign anything or authorize anything.
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

There are several transactions which I have placed in dispute with Capital One 360, two purchases from XXXX on or around XX/XX/XXXX, XXXX and XXXX, these are items not received. An item in the amount of XXXX on XX/XX/XXXX is a fraudulent purchase made on XXXX, XXXX is the merchant. This account was closed, however, I was able to place the items in dispute via website today, XX/XX/XXXX. I do not know whether or not Capital One will assist with these charges or not due to account status. I attempted to resolve said transactions with respective merchants, however, XXXX has been uncooperative. XXXX has not replied to messages left via XXXX. These items are about two months old, I've been messaging the merchants on and off since late XXXX with no resolution
Consumer complaint received 2018-04-05
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: QuickClick Loans of Illinois, LLC (CA)

There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however QuickClick responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. QuickClick refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However QuickClick is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX  forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.
Consumer complaint received 2018-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BB&T CORPORATION (FL)

I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations.

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
Consumer complaint received 2018-04-05
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)

There are two credit inquires on my report that are fraudulent and do not belong on my credit report and I want them removed. 
XXXX credit inquiry XXXX credit inquiry please remove and update my score. I'm not sure why everytime my credit score goes up your company false reports and brings my score down I am XXXX and this is crippling me as I have tried endlessly to put a end to someone using my name and social.
Consumer complaint received 2018-12-03
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. (ND)

Had credit card with XXXX, had good credit, and when they filed Bankruptcy, it was noted that it was derogatory on my be half! I had long good standing with the company! It should not be a derogatory statement on my credit report!