davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am submitting this formal complaint and request for investigation regarding inaccurate late payment information reported by XXXX XXXX XXXX XXXX on my student loan accounts. This letter serves as my second request for correction after my previous attempt to dispute this error with the credit bureaus and XXXX XXXX XXXX XXXX has not been appropriately addressed. 
The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) My credit report incorrectly indicates a XXXX late payment for XX/XX/XXXX, despite my payments being on time for XX/XX/XXXX and for the months following, specifically XXXX, XXXX, and XX/XX/XXXX. XXXX XXXX 's reporting of a XXXX late payment for XX/XX/XXXX is inconsistent with the payment history before and after that period. 
Under XXXX XXXX. XXXX ( b ) of the XXXX Credit Billing Act and XXXX XXXX. XXXX ( a ) of the Truth in Lending Act, I have the right to dispute and correct inaccurate information on my credit reports. I believe that XXXX XXXX has failed to properly verify the accuracy of the information in question, and I am requesting the Consumer Financial Protection Bureau 's assistance in resolving this matter. 
Given the nature of this error and its negative impact on my credit profile, I respectfully request that the CFPB require XXXX XXXX and the credit reporting agencies ( XXXX, XXXX, and Equifax ) to investigate the matter and permanently delete the incorrect XXXX late payment from my credit file for the accounts listed. 
Enclosed with this letter, you will find : XXXX. A copy of my credit report, highlighting the disputed entries. 
XXXX. Payment records for the relevant months, confirming my timely payments for the periods in question. 
I appreciate your prompt attention to this matter and look forward to a resolution within the required investigation period. Please provide written confirmation once this issue has been fully resolved.
Consumer complaint received 2016-04-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I graduated from XXXX XXXX XXXX XXXX ( XXXX ) with over {$300000.00} student loan!!! I should be working as an XXXX but no residency. XXXX XXXX many many times for guidance and last I heard was from their program director telling me I am XXXX. Since 2009, I have been paying student loan for federal and private. My income is only XXXX compare to the income should one have for $ XXXX student loan. Federal has increased payment and Salliae mae have had me paying only interest and now wants to increase it by 188 % or commit to pay {$510.00} when at end of the month I only have {$100.00} left. I tried to talk to them but with very rude language she said " that is all we have, give me your credit card and commit to {$510.00} for 15 months ''. I only have {$100.00} left in my account where do I bring that? Due to false statement from XXXX, no residency no job that can pay this loan. It is not me, there is lot more that do not know what to do and who to reach.
Consumer complaint received 2016-12-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I 've noticed that since I took this loan out, in 2011, I 've only paid {$270.00} in principal. I 've called and emailed to inquire about getting a lower interest rate ( this one is at 7.125 %, yet I have another loan with them at 2.875 % ). They wo n't budge or offer any other help.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX F XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX A XXXX XXXX # MEDICAL XXXX # XXXX XXXX F XXXX DOB XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I am a customer of Wells Fargo. Before leaving for XXXX in XX/XX/2016, I called them to let them know that I will be traveling. The last day, I used my debit card to take out a small amount of currency while in XXXX. Immediately, my card was shut down. Upon returning to the XXXX, I also learned that a check had been deposited into a small savings account. I took the money that was in the savings and transferred it to my checking ( months before this ) ; The " second '' deposit of the same check was removed from my savings account which left my account negative. When I went to the bank to get a check card for my bank ( since bills were not getting paid due to not having a card ), I was told I could not get a card due to a closed account. I did not close the account nor did I transfer the money to the " negative account '' because I was in a foreign country. XXXX I still do not have a check card with Wells Fargo. 

Second complaint is that I deposited a larger check. It was around {$4700.00} into my account. Standard procedures that I have run across says that it will take between XXXX business days for checks less than {$10000.00} for it to post. The check is still not " active money '' in my account after XXXX weeks!!!!! It is " posted '' not " available. '' While waiting for this check to post ... bills have come out. So, they posted the largest bill first for withdrawal, and I am getting charged {$35.00} for every single transaction that is coming from my bank. How is this fair that I have money that is on hold from their institution my fault? I do not want to pay over {$200.00} in " return '' fees and " overdraft protection ''
Consumer complaint received 2016-12-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (MD)

I recently received a copy of my credit report, and noticed inaccurate accounts being reported on my files. I.C. System, Inc. is handling the collection of these accounts mentioned. However, after reviewing my records, I am unable to find any documentation of any contractual proof of contracts to substantiate their claim. Such as provided me with certified copies of original contracts with my signature, specifically naming I.C. System, Inc. as a company entitled to enforce commercial claims against me.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (IA)

I have been going back and forth with Wells Fargo regarding reporting on my student loan, they agreed to remove two late payments from my CBR 's as they were mailing statements to an incorrect address that was provided to them by someone other than me. I have since updated the address on file and phone number with them. As they allowed changes to my account to be made by someone other than the primary account holder which caused statements to be mailed to the incorrect address I believe all the late marks should be removed from my CBR 's as the co-borrower was making payments, and I had no way of knowing if payments had been made. I have since received online access to my account and have been making payments. Attached is proof showing they removed two lates from my CBR, there are XXXX other late marks on my CBR that should be removed by the logic used to remove the XXXX and XXXX lates from 2016. These lates were not removed in goodwill they were removed as Wells Fargo error.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

Dear Sir or Madam : I am a veteran, recently I relocated to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Consumer complaint received 2016-11-16
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Integrated Recovery Services (WY)

A company by the name of Integrated Services contacted me as soon as I asked them to put me on a do not call list the caller referred to me as a " XXXX '' After telling them to not call me again I hung up thinking I was done. I later received a recorded message on my voice mail from the same company saying they were looking for my ex wife. I called them back and informed them I did n't know how to get a hold of them and to stop calling me. They instantly became belligerent, so I hung up and filed this report.
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: A.C.S. Companies, Inc. I (IL)

ON XX/XX/2016 AT XXXX HRS CALLER STATED SHE WAS FROM ACME DEBT COLLECTORS AGENCY AND SHE WAS CALLING ABOUT THE DEBT I OWED TO XXXX. THE DEBT WAS OVER XXXX DOLLARS US AND I INFORMED HER I DO NOT HAVE IT AT THIS TIME. SHE THEN TOLD ME THAT IT WILL BE TURNED IN TO AN ATTY BECAUSE I WAS REFUSING TO PAY THE DEBT. I STATED I DONT HAVE IT AT THIS TIME I AM NOT REFUSING. SHE THEN STATED THAT I WAS STEALING FROM XXXX AND IT WOULD BE TURNED IN TO AN ATTY. I INFORMED HER THAT I KNOW I HAVE RIGHTS AND SHE WAS VIOLATING THEM. SHE YELLED AT ME WHAT RIGHTS. I INFORMED HER ABOUT THE FEDERAL TRADE COMMISSION. I ASKED HER HER NAME AND TO SEND ME THE INFORMATION BY MAIL. SHE THEN HUNG UP ON ME. I CALLED BACK THAT EVENING TO SPEAK WITH A SUPERVISOR BUT I GOT A PROMPT THAT THEY WERE CLOSED. I THEN CALLED BACK THE NEXT DAY AND SPOKE WITH A SUPERVISOR SHE STATED SHE KNEW ABOUT THE CALL AND WHEN I SAID I WAS CALLED A THIEF SHE SAID THAT DID N'T HAPPEN. I SAID BEING TOLD I AM STEALING IS THE SAME THING. I SAID I KNOW MY RIGHTS AND WAS CONTACTING THE FTC. SHE STATED DO WHAT YOU HAVE TO DO AND HUNG UP.
Consumer complaint received 2017-01-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Mailed a certified letter to this company on XX/XX/2016 for debt validation. I received the unopened letter back in my mailbox undeliverable. The address I used was the one provided on my bureau, therefore they did not validate the debt or mark it disputed within the 30 time frame allowed by FCRA. On top of that, I do n't owe this company any money. I have never heard of this company. 
Two companies are reporting on the same alleged debt on my name which is playing a significant role on me being declined for credit, bad insurance rates, and also a loan on a home.
Consumer complaint received 2016-12-07
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (NC)

I am currently with XXXX. I went to my bank XXXX weeks ago to take out an equity line on my home so as to pay for direct care staff to be with my XXXX parents. I was told by XXXX that Wells Fargo/XXXX are listed in the XXXX lien position on my home. I paid off my home in XX/XX/2009 and never used any home equity so they should have come off the XXXX lien when I paid for my home. Basically there is an open-ended equity line showing up on with WF/W on my home deed and this is preventing my current bank, XXXX from completing my request for an equity line. I went to Wells Fargo last Tuesday and took them the information they requested from my bank as well as letters from Wells Fargo showing I had satisfied my debt with them and that they would notify the Register of Deeds. They did not notify the Register of Deeds when I paid off my home and therefore the open-ended equity line is still open with WF/W showing in the XXXX lien position. When I went to XXXX, I met XXXX and supplied him with the documents he requested from my bank. This was over a week ago. The bank was not even able to find a profile on me ( even after having purchased a home and banking with them for years ). XXXX said he would send my information to the research team for investigation. Today, I received a call from XXXX with XXXX XXXX to inform me that he just got my information today and that it could take another 10 days to resolve. This would be almost XXXX weeks they have made me wait. This is unacceptable as I do n't owe this company a dime. While waiting to get my home equity with XXXX XXXX Bank so as to establish direct home care for my elderly parents, my father fell Friday, XX/XX/XXXX and broke both his hip and his shoulder. I feel as though I am XXXX to this bank as it should not take XXXX for them to settle this issue. I owe them {$0.00} and all they have to do is call the Register of Deeds and take themselves off the XXXX lien. I have asked for the president of the bank to call me and at this time I have not heard anything from the president. I requested the local branch staff to reach out to get me assistance as they were unsure last week.
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

I have notified Experian back in XXXX of 2016 and even sent them a certified letter, which they received and signed for through the USPS, notifying them that the inquires that were listed on my credit file with their company was never authorized by myself, and that I wanted them removed immediately, if they were unable to justify that I gave these companies permission to pull my credit report with a document baring my signature. Experian has failed to provided me such valid proof baring my signature that I authorized these companies to pull my credit report, and Experian has also broken the FDCRA federal laws for reporting such fraud information on my credit profile. I have allowed them nearly three month to rectify this situation and they have refused to correct it. I have also notified each agency/company listed on the letter that I sent them and the companies have also failed to send me the information that I requested. This information is false and was not authorized by me and it 's affecting my credit rating and I want all of the inquires removed from my credit file associated with my social security number immediately!!!! I am trusting that your government organization will enforce the laws that protect us consumers!!!!
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (AZ)

I had several items hit my account this week, I knew I would have a couple overdraft charges and was fine with that as I needed to go over and accounted for it. I did not account for XXXX overdrafts!!! I am charged almost {$200.00} in fees XXXX of which were not even putting me in overdraft, they give a bogus reason of it might have caused an overdraft and still charged me the fees but I was not negative except in the hold which also makes no sense. I should have gotten XXXX fees at the most, not XXXX!!! They always do this and it seems so unethical and wrong, how can they charge me when I had the money just for a hold?!!!!
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WI)

I have tried on several occasions roughly last 5 years to try to get a reduction in my mortgage rate or in one of the Home Affordable Refinance Program. I have even tried to apply for other help mortgage programs with the lender and have been unsuccessful. I have requested my loan paperwork and my loan was transferred to my current mortgage company and I have noticed it was changed from XXXX to XXXX. I have contacted the loan officer and was told she had some issue with her partner who misappropriated some funds and may have tampered with that paperwork. I am also currently own more on my loan than the house is worth. I am looking for any help possible.
Consumer complaint received 2016-11-16
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

approx 6 mos. ago my mother had a XXXX XXXX. The ensuing months were difficult as she had a business and many financial obligations that I was unfamiliar with, but we 've gotten through it. About 4 mos ago, her business acct at XXXX bank cashed a {$2000.00} forged check resulting in delayed payroll. We decided to wire XXXX $ into her XXXX acct from her Capital one 360 savings acct. to cover payroll. Capital one called the next day inquiring into the transfer and my mother told them she did n't know about it and handed the phone over to me and I explained the situation indicating that I was helping my mom who at the time had been aware of the transfer but was having XXXX XXXX. Checking on her acct the next day I found that her accounts had been frozen with a number to call. She had been calling that number for about 2 1/2 months, having to wait upwards to an hour and XXXX before being disconnected. A week ago she finally got through to security who informed her that she would need to obtain a POA for me, her son, before they would release any of her funds, even though she is almost fully recovered from her XXXX and has resumed the running of her financial business, although I am still here assisting her, she is able to make her own decisions. There is no Capital one 360 banks in California, ( formerly ING ), so determining that a POA is the only way to obtain these funds we have gone ahead and gotten XXXX but are having difficulty getting it to them as this needs to be expedited due to the fact that there is an XXXX $ check delayed and payroll is due soon so normal mail would take to long. Am going to pursue this but this situation has caused my mother much aggravation and hardship.
Consumer complaint received 2016-08-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (PA)

I previously filed a complaint with the cfpb about my mortgage company wells fargo, and am having a hard time logging on to dispute it so I am filing a new one. They are stating that they did not know there was a stay on my property, they have the paper from the judge dated XXXX/XXXX/XXXX stating there was a stay untilo modification completed.They also stated that my home was not illegally sold, against the judges order, on XXXX/XXXX/XXXX, when in fact it was put up for sale that day and did note sell. The bank then took it back, once the sheriff department caught what happened, it took about 2 weeks for the deed to be put back in my name. Believing that they owned the home once again, they immediately filed an eviction motion with the court. Again they are stating this all did not happen when I have proof that it did. They did then move forward in an attempt to sell the home on XXXX/XXXX/XXXX because they believed that they held the deed on the property. It was stopped becasue I filed a motion to compel/force the order, the judge ruled on in XXXX. I now have the opportunity to go before the judge to tell what they have done.The judge informed the attorney for wells fargo that they had the right to appeal her decision. They did not and instead refused to follow her order, waited a few months and then tried to foreclose on the property. They are well aware that there was a stay issued on my property. That is why they were unable to foreclose on the property in XXXX. Also at this point I have been receiving calls and letters from wells fargo, each time with a new person who is supposedly my point of contact. I do not have a single point of contact. On XXXX XXXX, XXXX I received a letter from XXXX XXXX who informed me that she is now my Home Preservation Specialist. They are claiming that she was my point of contact from XXXX XXXX and that it is documented several times that she attempted to reach out to us and we never responded. I have never not answered or returned a call from wells fargo, in hope that maybe the call would contain good news for a change. This woman was never my point of contact. My contact was a mister XXXX XXXX, a horrible rude human being. I am attaching all papers to this complaint so that I can show that there response to my first complaint is an out and out lie.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion has refused to remove a 120 days late entry from XXXX. XXXX XXXX was the date of first delinquency. 14 months of data is missing from their reporting ( enclosed ) causing them to move the DOFD to XXXX XXXX. I 'm uploading supporting documentation, including the XXXX XXXX mortgage bill from then XXXX XXXX sold to XXXX XXXX XXXX ) showing 4 months late on my payments. Which would make the DOFD either XXXX XXXX or XXXX XXXX, which is over 7 years. I provided this document to Transunion to no avail. Thanks for your help.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I made a dispute on XXXX accounts from XXXX XXXX XXXX through Transunion. The XXXXaccounts were generated on the same day, XX/XX/2013. These accounts were completely paid off ; XXXX account was removed and the other XXXX remains on my credit report. I have written several letters to XXXX XXXX XXXX and Transunion, requesting the other XXXX accounts to be removed also. I have been unsuccessful at getting a legitimate answer for my requests.