davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.
Consumer complaint received 2017-10-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XXXX XXXX, XXXX, I send a letter to Experian in the request for verification of the debt shown as XXXX XXXX XXXX {$320.00}. This account remains on my credit report without validation of the debt pursuant to Section 609 ( a ) ( 1 ) ( A.
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

My grandparent have a mortgage with Select Protfolio Servicing Inc. They moved to Minnesota in XXXX of XXXX. My grandparents are elderly. They could n't keep up with the up keeping of the property and the property was falling apart. They both on a fix income and they ca n't afford to have in work done in the property. So I told them to move here because they did n't have the help with getting around. My grandparents both fell down the stairs plenty of times. I submitted paperwork to get a deed in lieu. And it 's been an ongoing thing. I submit paperwork then they asking for the same paperwork every chance they get. You call in and get someone different every time. And each person give you different message. I fax in the documentation and also email the documentation. Then they state that did n't fax the documentation until late. But I kept on calling the day I fax it over and they said it can take 24 hours. I still call the following day still nothing. Then call back the following day still nothing. Then they state to email it get to them right away. I did. They call me the weekend stating that something is missing. I asked what and they stated that I can get the document on the website and I went to look for the form they said my grandparents need. But they said the new up to date form have the option to surrender the home. But did n't find it. Because on the previous documentation I put on the form surrender the property. I 'm just tired of the back and forward between the company. Their representative is not knowledgeable and they seem like they do n't want to help. This is so frustrating. I think everything is done then I get a call saying I have to start back over. I think something need to be done to this company.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (GA)

Issues of unknown inquiries made by 3rd party companies, or credit checks ran without my consent. 
Name : Date : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-10-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo dealer services are ripping people off. My interest rate is 4.9 % Wells Fargo charge me a daily interest of {$5.00} per day unless my monthly payment is paid before my monthly payment due date ... ..of course that 's what I was told by representative so I 'm trying to figure out why am I still being charged {$5.00} per day when I make big large payments of {$3700.00} and this company still charge me daily fees of {$5.00}. I should not have to pay daily fees of {$5.00} if I 'm making 5 additional payments in advance of my monthly car payments due dates. Someone needs to seriously look into this because I 'm sure if they 're getting over on the mortgage loans they 're getting over on the car loans as well they already have outstanding lawsuits for ripping people off for over charged fees. And I called them and asked them could I get refinance months ago to get a lower car payment and a Wells Fargo representative told me that they do not refinance to people in Arkansas how is that when they give loans to people in Arkansas if you ask me I think that 's a redlining lawsuit
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BARCLAYS BANK DELAWARE (NY)

When I tried to activate my XXXX XXXX XXXX XXXX MAster Card by calling the activation number ( XXXX ) listed in the acceptance letter, I was directed to a foreign ( XXXX ) organization. They asked for my credit card number to begin the activation procedure. Then rather than activate the card they attempted to sell me a lot of services. I said no to each one. After a few minutes, I recognized it was a scam and hung up. I ended up activating my card by calling the Customer Service number on the back. I informed them of the scam but they did n't seem interested. In the next few days, I received multiple confirmation letters that I had purchased a variety of services ( including credit card protection, travel club etc. ). I called XXXXXXXX XXXX  customer service to complain and was informed that it was aall my fault for giving out my credit card to a number that they had provided. They were of little help and suggested that I cancel the tel-marketing promotions or i would be charged. I then had them cancel my card and issue a new one. They were singularly unhelpful and attempted to obscure their marketing fraud. I expect such behavior from XXXX XXXX but not from a major international bank. This episode has already caused me a great deal of stress and effort and I expect to be compensated for this outrageous behavior
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A. (CA)

Because I have been a victim of identity theft I placed a alert of my credit it now as of XXXX/XXXX/XXXX has a freeze on it. On XXXX/XXXX/XXXX I received notification via XXXX XXXX  XXXX of an alert. The alert showed a hard inquiry by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
They are located in XXXX, NC. I contacted someone on XXXX/XXXX/XXXX at XXXX. They have a collections debt so I asked why would my credit be pulled without permissible purposes. I have not received any letter about any debt and considering I havent applied for credit or owe any new debt my credit shouldnt be pulled. The individual asked me for my name and I refused to give her my address and social because she didnt answer why they pulled my credit. Obviously the debt was fraudulent or invalid. I explained I never gave anyone permission to pull my credit. They cant offer any explanation. I have been working closed with the credit bureaus to keep my credit safe and information only to be violated.
Consumer complaint received 2017-10-30
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: EQUIFAX, INC. (NC)

I have contacted Equifax in regard to a hard inquiry on my credit from a XXXX, XXXX XXXX XXXX, XXXX MD XXXX. I have informed them that I did not authorize that they are reporting something incorrectly and that since I did not authorize this its is against the FCRA as it was not for employment, credit, insurance or court ordered and I do not know what this is for. They have refused to remove something that I have informed them is incorrect and have put it back on the company that pulled this.
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against STELLAR RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2017-10-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. ()

In XXXX XXXX and without warning, Navient has started charging me {$440.00} in addition to the {$130.00} that I have been paying while a student. After ringing the company, I have been told that the maximum in-school deferment has been reached for XXXX XXXX XXXX XXXX XXXX XXXX, which is why the sudden increase of my payments was made, though completely without warning and without my authorisation. I have been making regular payments of {$130.00} for many years and never been in default, so when a sudden and unexplained increased to my monthly automatic debit occurred, I reported the transaction fraudulent to my XXXX XXXX. Navient refunded the money, and we began working on my situation, which required me to submit several {$50.00} payments for additional months of deferment while processing my case. During the months that followed, I worked with Navient employee, XXXX XXXX, who sent me a financial worksheet to complete to identify options for lowering my payments while completing my research degree. I am a full-time student at the XXXX XXXX XXXX XXXX XXXX who receives a studentship for fees and accommodation, and supplements my limited income through 10hrs a week employment with XXXX XXXX XXXX ( a US owned company based globally ). Because I am a student in the XXXX, I am limited to 20hrs a week employment while studying. I can not manage my school load when working anything more than the 10hrs I received from XXXX. The feedback that I received from Navient was that there were no options available because my monthly income was too low and they requested that I borrow money from friends and family to make the monthly payments they are demanding. They would not consider my in school situation or make allowances for the strain full-time study places on me financially. I am at the end of the planned deferment allowance and in danger of this loan going into default. All my other student loans are in good standing and in-school deferred until I complete my course in XXXX XXXX. 

On XXXX XXXX, I was made aware that instead of keeping my student loans in IBR in XXXX, as I had intended to do to help alleviate the pressure of extending the student loan period included in the IBR, was set to in-school deferment in XXXX. At present, all my student loans that can be placed in in-school suspension are. I fear that this has cost me years of my loans placed in IBR, which I understand to have put me into a less fortunate situation. Please note this is an additional complaint to the XXXX XXXX XXXX
Consumer complaint received 2017-10-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (FL)

Hello, I 'm not sure if I selected the correct category to describe what I 'm going through but I had to select something. I attended a cosmetology school from XXXX. When I approved on their end and now I have to wait on an approval from the dpt of ed. I first went to the school for information on joining I did n't have a high school diploma. I was told by XXXX of the staff members that I can quickly get a high school diploma at XXXX XXXX school online. I took all information I needed to get enrolled, went home and got the diploma online and all other documents I needed then went and enrolled in the school which was then called " The Academy of Hair Design ''. The school was all out of whack, they did n't have any steady teachers in fact had me teaching the students how to braid hair. It was crazy and due to the fact that that school could n't benefit me and me losing my baby sitter I left after a few months in. I felt that we were n't learning anything at that time. So all of these years later I am thinking I have a high school diploma. Well recently, I have been inquiring about going back to school only to find out that my diploma is a FAKE diploma and the school XXXX XXXX XXXX was shut down for selling fake diplomas and doing fraud. I immediately went online to get the contact info for XXXX XXXX XXXX design to only find out that school was shut down and is now operation under a different name " XXXX XXXX XXXX ''. So I am now crushed to the bone because I have a FAKE diploma and now need to go get a GED mean while my oldest son will be graduating high school soon ( I 'm embarrassed ), and also both schools are shut down on me. So I 'm in a lose- lose situation. I should not be liable for this debt as I was tricked into getting it by both parties and I now have to start from scratch as a mom with XXXX kids and get a GED. These student loans have been haunting me for 9 years and I did n't even get anything out of it but a fraud high school diploma that is now trash. How can I tell my children that I do n't have a diploma when I 'm constantly on their backs about school. It 's so embarrassing and causing me XXXX. I filed for an " Ability to benefit claim '' with Navient. I called Navient and they told me it was approved by them and it 's now awaiting approval from dpt of ed. I called the XXXX of XXXX several times as I am trying to enroll in a GED program for XXXX but I need to get this situated. Dpt of ed is telling me they do n't have my file. I am lost, depressed, stressed, embarrassed, frustrated and just want these fake student loans deleted out of my and off of my credit reports so I can start over!! PLEASE SOME ONE HELP ME!
Consumer complaint received 2017-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is a complaint against CAPITAL ONE. I have been a victim of identity theft for two years and my XXXX and XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellar Recovery, Inc. (FL)

This is a complaint against STELLAR RECOVERY INC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Consumer complaint received 2018-09-06
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. (CA)

this is not a duplicate dispute. I asked the equifax agency to delete a telecommunications collection from my account which violating FDCPA law which is 4 years for all collections. this account is from XX/XX/XXXX. there are 5 different dates appearing on this account and NONE of them are correct and no there information is valid or available. Equifax claims this was verified to be mine as a " credit '' account ... .this is a TELECOMMUNICATION COLLECTION, NOT AN EXTENSION OF CREDIT. date of last activity is inaccurate, it says delinquency first reportedXX/XX/XXXX, date opened XX/XX/XXXX date reportedXX/XX/XXXX and then again it says date of first delinquencyXX/XX/XXXX. None of this is legal nor does it make any sense to me.

This account is damaging : it looks like a credit account, it says collection account, it has re-aged dates and no information at all on anything else. so a XX/XX/XXXX account was delinquent inXX/XX/XXXX and still reported inXX/XX/XXXX? Senseless.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

To Whom It May Concern, The Issue That Im Having Is I 'm Currenty Locked In Chexsystems Due To A Bank Accout That Was Opended Years Ago Unto My Knowledge. Due To This I 'm Not Able To Open A Bank Account. I Have Written More Than One Dispute Letter To Chexsystems To Be Dropped Out Of Their System & They Keep Sending Me Letters In The Mail Asking To Buy More Time. This Unauthorized Bank Account Is Making It Hard For Me To Aquire Credit Line & A Bank Account Due To Me Being Stuck In Chexsystems.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2017-10-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been fighting with transunion for a while because they continue to keep removing my XXXX XXXX XXXX XXXX Account a good standing account that is XXXX XXXX XXXX, which is also my oldest account on my credit report, for no apparent reason!! This is so very frustrating and i dont understand why they are being aloud to constantly do this. They remove and i file a complaint and then they reinsert it!! Why must a consumer continue to go thru continuous problems with this company. The language barrier is already frustrating within it self and then i have to deal with them deleting my accurate information. PLEASE reinsert. I even have a letter from transunion telling me the account was reinserted and will stay.
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As filed in previous complaint XXXX date of XX/XX/XXXX with the CFPB. XXXX XXXX XXXX XXXX charged off a debt in the amount of ( {$10000.00} ) reported on my consumer reports back in XXXX. XXXX XXXX XXXX XXXX needs o send me my copy B of the 1099c they filed to charge off this debt! According to the IRS PUBLICATION charge-off is considered income. INCOME can not be reported on a consumer credit report! 

Also XXXX XXXX IS In violation of multiple consumer laws and Privacy Acts and in Breach of Contract. In there agreement XXXX XXXX states that they only share information with there affiliates. XXXX XXXX has given my personal private information to multiple collection agencies such as XXXX XXXX XXXX, and XXXX and mltiple credit agencies still reporting this as an attempt to collect a debt!