davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

In XX/XX/2018, I received a letter from XXXX indicating my {$25000.00} credit line was being reduced to {$14000.00}.

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether XXXX  states in their letter they have nothing to do with FICO, their actions do!

In our attempt to pay down our balances, we moved ours to XXXX  because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX  children.

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed XXXX account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX  on the enclosed docs. I have personally been the caregiver to my mom with XXXX  for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.
Consumer complaint received 2018-03-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (DC)

On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

Santander Consumer USA, in the amount of {$10000.00}
Consumer complaint received 2018-03-19
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. (TN)

I am a victim of identity theft. I have filed identity theft report and sent to Experian and Creditor. The Creditor sold the account to collection agency, that company is not reporting on credit bureau. The Creditor states that it is my account and I am telling them that the account was open fraudently. If this matter is not resolved I will be forced to file a lawsuit against both Creditor and Credit Bureau. I want signature on the account and the original application.
Consumer complaint received 2018-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (FL)

A collection account just appeared on my credit file, this is unknown and NOT mine. I called this company, gave them my full name and last four of my social and my personal information isn't even in their system. How can this happen. This needs to be removed ASAP
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX charged me {$390.00} on a Bank of America credit card for a service I did not want to renew from 3 years ago and did not authorize. When I complained about it, they refunded {$380.00}, which leaves a {$11.00} charge. 

If I could freeze my credit card, I would have done that years ago. I'm astounded BoA allowed this charge to go through. 

I closed my complaint with Bank of America when XXXX agreed to refund me, but I haven't been able to reach out after realizing they are not refunding me the full amount.
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MI)

I have a re-finance home mortgage through XXXX XXXX XXXX ( henceforth known as XXXX ). It was set-up with an escrow account for home owners insurance as well as property taxes. 

XX/XX/XXXX I received an overdue tax statement from my township stating my winter property taxes were overdue. 

That evening we first contacted XXXX and then promptly followed the instructions in trying to get the delinquent tax notice paid. All information required was provided multiple times via e-mail and fax ( pictures, .pdf, etc ). 

My wife handled the situation until XX/XX/XXXX when I took over because the stress was too much for her to handle with her XXXX struggles. Number of phone calls between XX/XX/XXXX and XX/XX/XXXX is >4 but unknown to me. 

XX/XX/XXXX at XXXX XXXX EST : Spoke with Customer Service Rep and supervisor. Confirmed fax # and information re-requested was received. Feedback was requested by COB. No feedback. 

XX/XX/XXXX at XXXX XXXX EST : Confirmed with local township taxing authority that tax bill was indeed submitted to XXXX. Local tax authority informed me that the issue was handed to the county on XX/XX/XXXX due to the closing of the books. Township also submitted a formal inquiry to try to help me with resolving the issue. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with a different supervisor. Feedback was issue would be resolved by XX/XX/XXXX after amount due and legal description were clarified by taxing authority. Phone call to be received within 5 business days max ( most likely 3 ). 

XX/XX/XXXX : E-mail from township informing me that inquiry was received by service agent of XXXX. Township clarified reconciliation needed to be complete with county and that it was in settlement. 

XX/XX/XXXX : Phone call received by my wife from customer service rep stating issue was still being worked on. She asked them to contact me as I am the primary phone number and have taken over the issue to see it resolved. 

XX/XX/XXXX at XXXX XXXX EST : Follow-up phone call with customer service rep and supervisor. Internal inquire supposedly submitted again within XXXX. Feedback requested by end of day. 

XX/XX/XXXX at XXXX XXXX EST : No feedback received. Follow-up phone call initiated requesting support of not only super visor but also next level up manager due to lack of resolution thus far. Confirmed last notes on account was from phone call earlier in the day. No action or feedback other than they are working on it. Manager assured next action would be completed by XX/XX/XXXX. 

Based on previous commitments, expectations of resolution are low by the time the county takes next action.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MT)

Dear Financial Services Manager,  XXXX XXXX : I am writing this letter in extreme frustration. This comes from the continuous and ongoing requests I have made to receive my credit balance on my PayPal Mastercard. I made two transactions in XX/XX/XXXX towards my overall balance, resulting in a credit balance of {$250.00}. On XX/XX/XXXX, I made my first request to receive my money via a telephone call. I was told it would take 5-7 days to issue. My second contact was on. XX/XX/XXXX via your chat option on the website. I did a screenshot of the entire conversation for documentation. I was told that the check had been issued on  XX/XX/XXXX and that it would have to go through a cancellation and then a new one would be issued. Again, nothing happened. My third and last request to receive my money was on XX/XX/XXXX via telephone call to a supervisor named XXXX. She assured me that nothing had been done from my last request and that she would take care of it. She said that the cancellation would take the remainder of that week and the new check would be sent out the following week ( that would be the week of XX/XX/XXXX ). Two weeks, fourteen days, have passed since that last request. 

If this {$250.00} was an amount I owed and I didnt make my payment for two monthly cycles I would owe compounded interest and penalty fees amounting to at least an additional {$120.00}. My next step is to take legal action which will then result in additional compensation for all of my time, my legal fees, and compounded interest and penalty fees. I also will be filing with the XXXX XXXX XXXX and posting to media wildly to warn other customers of your extremely bad consumer practices. 

As you can tell I am extremely frustrated. I dont care if this was {$1.00}, it is MY MONEY and you are REFUSING to REFUND MY MONEY. I am, for the last time, making an official request for you to REFUND MY MONEY!!!!
Consumer complaint received 2018-03-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX Re : Wells Fargo Mortgage XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX Plaintiff : XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX After reviewing the XXXX County Records, I have noticed that the original lender XXXX XXXX XXXX did not record an assignment of mortgage with the first assignment of mortgage being with XXXX XXXX and no records with XXXX County records of Florida indicated or recorded or are found stipulating that XXXX XXXX was assigned to Wells Fargo from the conception or origination of the loan dating as far back as XX/XX/XXXX not to be found. 

Wells Fargo sold the mortgage to XXXX for well below the remaining amount of the principal note up to 50 % less than XXXX on a bid agreed between both parties which may also include no transfer of such funds just conjured paper work covering the hidden negotiations of transactions. Then we have a new assignee XXXX XXXX XXXX who decide to had over XXXX on a fraudulent loan. Considering the facts that you take a principal loan balance and you multiply it by 3 your new servicer is asking XXXX And you claim to help people your actions and recorded documents show exactly what kind of organization you run and promote, no wonder thousands of people who deal with Wells Fargo close their accounts daily, may you find Justice during the course of everything you forged against me, and every time you delayed and dejected the reasonable offers I made to solve the problem that you have caused. 



Sincerely XXXX XXXX XXXX
Consumer complaint received 2018-03-19
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. (IN)

EQUIFAX GOT AN OLD COMPLAINT AND RESPONDED TO THAT I WAS SPEAKING ABOUT A NEW COMPLAINT FOR ONE ACCOUNT WHICH WAS THE XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT I SENT THE NOTARIZED DOCS THE RESPONSE THEY SENT BACK WAS FROM AN OLD COMPLAINT THIS COMPLAINT WAS ONLY FOR ONE ACCOUNT WHICH WAS XXXX XXXX NOT MULTIPLE ACCOUNTS ONLY ONE THE ONE EQUIFAX RESPONDED TO WAS IN XX/XX/XXXX THE ONE I WAS TALKING ABOUT WAS XX/XX/XXXX THIS WAS THE WRONG AND ALSO AN OLD COMPLAINT responded Status Company responded Closed with explanation on XXXX Response Type Closed with explanation Company 's response *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. Equifax has reviewed the complaint and its records. The following disputed items are currently not reporting on the Equifax credit file : XXXX XXXX, XXXX XXXX, XXXX and XXXXThe additional disputed inquiries are currently not reporting on your Equifax credit file.Written confirmation was mailed on XX/XX/XXXX.
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I've reached out to Navient in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about getting information regarding the origin of my loan. My daughter graduated in XX/XX/XXXXand the loan seems to be from XX/XX/XXXX ( disbursement date ). When I ask about the original issuer of the loan and the original balance of the loan I do not get an answer. I feel like this loan is inaccurate and I possibly should not be paying this loan if information can not be given to me to verify that it is correct.
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I graduated from graduate school in XX/XX/XXXX. At that time I consolidated my loans through XXXX XXXX. I had approximately XXXX in loans. Ive been paying since I graduated with the exception of when I went back to school for a XXXX XXXX XXXX XXXX and when I had to get a forebearance as a result of a divorce/loss of income. XXXX XXXX   transferred my loans to Navient and their payments were beyond what I could afford. Ive worked in a low income school district since XX/XX/XXXX so I decided to apply for the Public Loan Service Forgiveness program. I went with a company called XXXX XXXX XXXX XXXX XXXX XXXX that is now called XXXX XXXX XXXX. They claim to be assisting me with Public Service Loan Forgiveness through my payments to XXXX XXXX XXXX. It is now XX/XX/XXXX and my balance is XXXX? Im not a mathematician nor an accountant but I believe something is drastically wrong here and deserving attention.
Consumer complaint received 2018-03-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accelerated Receivables Management, Inc. (CA)

I contacted his collection company about a debt they said I owed. They never contacted me, I was updated my credit information and got an alert that a collection was added to my credit report. I immediately disputed that claim via on line. I then received a letter in the mail a few weeks later from the collection agency. I sent a certified letter to their company for them to validate this claim on XX/XX/XXXX. Today I received a letter from some attorneys office, with a letter attached with information they are claiming is mine and from me. It has a address that Ive never lived at, a phone # that is not mine and a email that was hatched years ago and is no longer in use. I called this company and the lady who answer, answered like it was her personal phone and not and attorneys office. She did not tell me who she was, or who she worked for. Only when I said I received a letter from some lawyers office is when she asked me my name and address. I then explain to her this is not my debt, Ive never enrolled in a training class online. She did says well I got the information from them and its you and we can settled with a payment. I said this is a identity theft and Im reporting your company. She then says, it was a XXXX dollar payment paid at enrollment but was declined. I explain to her why would I sign up for a online school, that requires XXXX dollars and it get declined. I said I had fraud alrert put on my social security number as well as my bank account and bank cards, that email and address is on the black list and my information was sold. I explain I will have my lawyer deal with this because Ive had this same company try to get money years ago doing the same thing. That was also proven to be fraud. She then say get your lawyer and we will deal with them too.
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TN)

I received a letter from Citibank thanking me for opening a checking account with them. I did not open a checking account with them. I called Citibank and explained that I was a victim of identity theft and that I did not open that checking account. I was told that this matter would be turned over to the fraud department and that the account would be closed. I never received any written documentation of their action. I filed the identity theft issue with the FTC and sent 2 certified letters to Citibank requesting that the checking account be closed, that the inquiry be removed from my credit report and asked that they send me written documentation of these actions. The first certified letter was mailed on XX/XX/XXXX, with no response. A follow-up certified letter was mailed on XX/XX/XXXX, with no response as of today.
Consumer complaint received 2018-03-19
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: SYNCHRONY FINANCIAL (FL)

Hello, I was recently notified by my credit monitoring service that a new inquiry had showed up on my credit reports. The offending company is XXXX XXXX. First of all, I did not authorize this inquiry. Secondly, I continuously have an extended fraud alert in place at all three credit bureaus, which specifically states that any company who checks my credit must call me and speak to me personally due to a previous identity theft. I can guarantee you that XXXX XXXX can't and won't show you their phone records because they never one time called me, therefore violating several laws designed to protect me as a consumer. On XX/XX/XXXX I sent XXXX XXXX a letter stating that I did not apply for credit with them and let them know I had been a previous victim of identity theft, and to please remove the unauthorized inquiry. On XX/XX/XXXX XXXX XXXX sent me a letter stating that they will not remove this inquiry.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Company - Transunion XX/XX/2017 received a bill for {$1.00} and XXXX Contacted XXXX Credit Card disputing charge and was refunded {$19.00}. Afterwards I have been billed 3 times for a service I did not request. I have no record of requesting this service from Transunion. 

I have called a Transunion XXXX and they ask for information i.e : name, address and last 4 digits of social in order to find the account, however they continued to ask for more information. I became uncomfortable giving them more personal information and refused to provide the information to them. They then told me they needed more information to help me close the account. 

I would like to have all the money refunded to me and stop payment to Transunion. 
Please - HELP!
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (DC)

On XX/XX/2018 I sent Certified Mail to all 3 Credit Bureau. XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX. Requesting verifiable proof of the original signed consumer contract. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ). And of today XX/XX/2018 none of the 3 major Credit Bureau havent provided any original signed consumer contract. 
Company : NCC Business Services / Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX Balance {$7000.00} / Account # XXXX
Consumer complaint received 2018-03-19
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: DISCOVER BANK (AZ)

I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!
Consumer complaint received 2018-03-19
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: AMERICAN EXPRESS COMPANY (AZ)

I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX  and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!
Consumer complaint received 2018-03-19
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. (CA)

XXXX XXXX XXXX. and XXXX XXXX.

are both out of line. I've already submitted a complaint about XXXX.

EXPERIAN has false creditors on my credit and even though i have disputed it along with the phone XXXX XXXX  address they had marked on my report they still allowed those false claims to remain.

Its not judicious for them to have everyone with a high score so they add, create, or keep things that shouldn't be there so the rating will drop.

Its all about ( shekels ) commerce. I command them to delete these erroneous things and make peace.

I'm one of the few who monitors my report.