davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

We were approved for a modification from Wells Fargo in XXXX of XXXX. IRS started to garnish our wages again and then placed a tax lien on the house 4 months after receiving the modification approval from Wells Fargo. We became behind again on our bills. We contacted Wells Fargo to see if we could make arrangements to bring the account current. I inquired about the modification and the XXXX for Wells Fargo stated we did not have a modification on file and to submit an application for modification. We submitted the documentation for consideration. We went through the process and later they stated we could not receive a modification because we had to wait 2 years under the program guidelines since we received a modification. They later sent us the documents from the XXXX modification ( attached ) stating we need to sign them and mail them back. 

We reached out to an attorney 's office for assistance and they could not locate the modification/documentation filed with XXXX XXXX. The attorney 's office contacted them about the issue. Each time Wells Fargo stated something different. We submitted numerous modification request applications for them to consider and attended the mediation at XXXX XXXX court house. No luck. We filed Bankruptcy XXXX ( XX/XX/XXXX ) to stop them from foreclosing on our house on XX/XX/XXXX. We went through several different processes they claim we had to do in order to receive a modification again. We went through the process and provided the documentation. They also requested we sign the XX/XX/XXXX documents to file the old modification in order to consider our new request for medication/application. We did it numerous times and after the 2 year period to be considered again. They still claim nothing has change regarding our circumstance and they can not approve a modification for us. 

We reached out to them again in XXXX to consider a modification or to see if they had other options to keep the house ( add balance to loan, etc. ). They said we could complete some forms ( Mortgage Assistance Application, XXXX XXXX, etc. ) and submit them for consideration. We submitted the forms to Wells Fargo on XX/XX/XXXX and no word from them regarding the modification. However, we received a letter from their attorney notifying us that they plan to sale our house on XX/XX/XXXX.
Consumer complaint received 2017-06-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Coastal Financial Solutions, LLC (OK)

XXXX / XXXX /  XXXX   I was called by a  XXXX   XXXX  from  Coastal Financial Solutions . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time  XXXX   XXXX  was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between   XXXX   XXXX   after I have told them in the past to never call me at my job.
Consumer complaint received 2018-04-17
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: CL Holdings LLC (CA)

2 weeks ago NO action # XXXX I never got a response from you people. NOW once again these opprobrious incompetent XXXX at XXXX are still blundering away with some flim-flam scam of fraudulent new claims or new collections on what exactly?! # These XXXX XXXX charge and collect a fee then allow anyone to harass cheat enrage me with malignant unproven collections!!! This garbage is NOT new!!!! I just got informed from XXXX   part of OPM 's breach and free monitoringof my credit reports!!! WHY are these clowns at XXXX  blundering away with phony fraudulent claims of collections?! # I never received any mail from derelicts at XXXX XXXX XXXX? Collecting what and for who? All bad debt has already been charged off by everyone, can only be there 3 more years. Obviously this must be those corrupt and petty thieves at XXXX still trying to cheat and aggravate me!! I told you countless times XXXX never refunded or credited me my ( 3 ) lines and {$680.00} in advance payments they stolen??? Plus these XXXX cramming/deceit infamous lawsuit. They thought they couldget away with scamming me with that worthless XXXX tablet that I sent back within 14 days, continued to scam me with overcharges duplicate billing for trying there unpopular countless complaints about google tablet. I had to write california attorney general countless times before I got some phony and specious credit. NOW these XXXX  clowns state settled in my credit report and yet still continue with these XXXX scandalous collections
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

The hospital    XXXX   XXXX   XXXX   XXXX   erro neously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him  in ER w as not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from  XXXX  County New Jersey  Court  case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a " one time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you
Consumer complaint received 2017-06-14
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. (SC)

There is an error on my credit report from XXXX XXXX that states that I was 30 late which is not correct. I was never 30 days late, the dates for this dispute are as follow ; XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX XX/XX/17 confirmation # XXXX, XX/XX/17 confirmation # XXXX. These disputes were not successful my report still show 30 days late. I have obtained documentation from the creditor that proves that they were in error and to have this report correct. Equifax is still reporting 30 days late despite of the documentation that was faxed to them on XX/XX/17.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

On  XXXX   XXXX ,   XXXX  , I was checking my credit report and saw a hard inquiry from   XXXX    (    XXXX   XXXX   XXXX   XXXX   )  Last Reported by Equifax  XXXX   XXXX ,   XXXX  . I did not apply for a credit card from  XXXX  or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my credit score better and do not need companies do hard inquiries into my credit history without my permission.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TX)

A few months ago, some  XXXX  purchases were fraudulently made using my  XXXX  i.d . and the perpetrator  ( s  ) attempted to pay for them using my Paypal account. I contacted   XXXX   and  Paypal  about the issue. Paypal originally credited my account for the {$1500.00}, but is now requesting the money back. No goods or services changed hands and this was and is a fraudulent transfer. They are threatening to close my account and make negative comments on my credit report.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Approx imately 4 w eeks ago as of  XXXX / XXXX /  XXXX   I tried to update my Equifax credit score and report. I was unable to do so and received an error. I contacted the credit bureau to notify them of the problem they said they had the same problem and would initiate a high level inquiry and it would ta ke 7 to  10 days. I contacted Equifax on  XXXX / XXXX / XXXX  the same problem still exists still no resolution to my credit file. information from creditors and other credit bureaus is being reported erroneously from a date of  XXXX / XXXX / XXXX . I have since paid collections and credit card balances down which is not being reflected on the report or score. I am in the process of purchasing a new vehicle and this erronious information is impacting my ability to purchase a vehicle. I payforthis service  XXXX  a month this is not a free credit report issue. I was also told this because of a fraud alert from  XXXX  this not the issue I have not had any problem processing my credit report since  XXXX  until a month ago
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

For account number #  XXXX  I respectfully request Resurgent capital Services, LP to provide me with competent evidence that I have any legal obligation to pay you.     I am requesting the following verification : I need proof of both the original debt agreement with my signature indicating that I agreed to pay Resurgent Capital Services, LP and any payment history and any payment methods you have on file indicating that I made payments to Resurgent Capital Services, LP. ( Checks, debts, or money orders payments  ) , Furthermore I am requesting that you provide me with any telephonic recording between  Resurgent Capital,  LP specifying that you established a verbal agreement with me to collect on the alleged debt.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian, XXXX and XXXX  are reporting items on my credit report that are inaccurate and past the statute of limitations. When I have asked to verify and validate the account they only say it's been validated as correct. By law, they have to prove in writing, with the Original creditor that I signed a contact and show proof of such, i.e. a voided check. They are playing stall tactics so they can be paid by debt collectors that have purchased these inaccurate accounts. The are also breaking the law by reporting HIPPA medical accounts that can only be reported by the original creditors. The hard inquiries listed on my report are inaccurate. By law, only if I authorize, can a company run my credit.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NV)

I have never been past due on my auto payments with GM Financial, I contacted the company directly and they had two numbers wrong on my card number, they had access to my account to pull money out of. Requesting removal of the 2x 30 days late.
Consumer complaint received 2017-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .
Consumer complaint received 2017-06-14
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. (TX)

My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  XXXX .
Consumer complaint received 2018-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (AR)

I am XXXX XXXX who bought a XXXX XXXX XX/XX/XXXX and between XX/XX/XXXX andXX/XX/XXXXXX/XX/XXXX. It was brought to my attention of the lawsuit against XXXX XXXX XXXX XXXX ( I didn't receive a letter ) Being XXXX XXXX and have purchased a XXXX during the timeframe stated. I am entitled to a repayment from a XXXX XXXX settlement because I wish charge higher interest rates then white car buyers I don't have an open account would XXXX XXXX XXXX XXXX based on the complaint against XXXX XXXX XXXX XXXX I am still in titled an eligible for a payment.
Consumer complaint received 2017-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (LA)

I respectfully requ est Midland Funding, LLC to  provide me with competent evidence that I have any legal obligation to pay you.     Under the provisions of Public la ws 95 109 and 99 361, kno wn collectively as the Fair Debt Collections Practices Act ( FDCPA ) and the FCRA I am requesting the following verification : I am requesting for proof of both the original debt agreement and my signature of the credit credit card loan application and my payment history.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (SD)

Purchased  the Netspend PayPal pr epaid card for  XXXX  paid  XXXX  Load Fee and put {$100.00} on the card. Attempted to activate the card and was told that I could n't because I already had this card with a - {$190.00} balance on the account. Contacted several times to attempt to resolve the issue. Was told by  XXXX  on  XXXX / XXXX / 2017  that the issue had been addressed and that the card would have the money credited to the account and be ready to use in he morning. Was notified via text message at  XXXX  that {$95.00} was avialable in m y PayPal Prepaid Account. I have  no access to the card.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (NJ)

On  XXXX   XXXX ,  2017 , I was checking my credit report and saw a hard inquiry fr om CBNA ( Citibank of North America ) Last Reported  by  XXXX   XXXX   XXXX ,  2017 . I did not apply for a credit card from cbna or authorize them to do do an inquiry into my credit history. I have been trying very hard for the last 3 years to get my  credit score better and do not need companies do hard inquiries into my credit history without my permission.
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC (MD)

I purchased a used vehicle from  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   2017 . They secured financing for me through  Global Lending  Services. I purchased the vehicle in  XXXX , but I live and work in  XXXX . I am  XXXX   years old  and this is my first major purchase. The dealership charged me for tags and title, but to date I still have not tags or proper registration for my ca r. Global Lending S ervices told me they do not have the title and I ca n't get anyone from  XXXX   XXXX   XXXX  give me a clear straight answer about where the title is, or even to call me back for that matter. This is very frustrating because my temporary tag s ( 2nd set ) is about to expire yet again. I 've paid inspection fees in  XXXX , and I will have to pay for tax, tags an d title in  XXXX . I would like the title to my car, or the information I need to get the car properly registered, as well as a refund for the tags and title I paid for in the state of  XXXX .
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

On  XXXX   XXXX ,  2016 , I applied  for a Lowes Credit Card to finance the purchase of my kitchen remodel of approx. {$50000.00}. I was told that the remodel will take 2-3 weeks once the kitchen cabinets arrive. The remodel has been completed but it took 22 weeks!!!!! I went 8 weeks without a functioning kitchen. I have incurred out of pocket expenses due to this delay that was not of my during. I have repeatedly contacted Lowes Corporate Office indicating that the matter would be escalated until resolution. I still have yet to be contacted and/or reimbursed for my out of pocket expenses, plus any compensation for the inconvenience of the delays.
Consumer complaint received 2017-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC (CA)

I am XXXX XXXX of XXXX XXXX XXXX XXXX XXXX assisting a homeowner who is receiving bills for a loan that they did not authorize. In XXXX XXXX, 2015, XXXX XXXX entered into a contract with XXXX to install a solar panel system. XXXX completed finance documents on behalf of XXXX XXXX through Greensky. Greensky issued a payment to XXXX for {$7300.00}. XXXX never installed the solar panel system. XXXX XXXX has been receiving bills from Greensky. XXXX XXXX never signed anything for Greensky. XXXX XXXX does not speak English so if you can have a XXXX speaking Representative contact him it would be greatly appreciated. XXXX XXXX, XXXX Representative explained things in XXXX to XXXX XXXX, but gave him English documents that he knew XXXX XXXX could not read. Thank XXXX XXXX
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have paid down these accounts :   XXXX   XXXX    XXXX   XXXX ,  XXXX  CREDIT CARD  XXXX ,  XXXX   XXXX   XXXX  '',
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I am trying to submit my yearly documentation  to Navient for Public Service Loan Forgiveness. The only information on the Navient page directs customers to go to studentaid.gov to learn about PSLF. Once at the student aid page it explains what PSLF is and that you submit your yearly application to your loan servicer ( which would be navient ). Navient has an entire page for the documents you can upload from forbearance to income based repayment but there is NOTHING on where you can submit your PSLF documents. This makes it extremely difficult for public servants drowning in student debt to do our part in submitting the correct paperwork, and work toward debt relief after  10 years.
Consumer complaint received 2017-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This company has continued to report inquiries in which some were removed and placed back on my credit report also there are old addresses on my credit report that were removed and placed back on. This is a violation of the Fair Credit Re porting Act Section 1681 b ( c ) and a serious breach of my privacy rights.