davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Equifax To Whom It May Concern : I dispute the validity of XXXX account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

I went into a Wells Fargo branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX the afternoon of XX/XX/2016 to open a new Checking and Savings Account. I provided the bank rep with my current AZ drivers license and my XXXX credit card for my forms of ID. I had deposited a total of {$3000.00} into the Wells Fargo account. {$1000.00} was to be placed in savings and {$2000.00} was to be placed in checking so that I could resume the pending transaction that had been scheduled for the coming weekend which would of been my XXXX mortgage payment and my XXXX car insurance. The banker had gone over the account types and pre qualification for a Wells Fargo credit card and asked me to sign electronically if I had agreed I was opening up savings and checking as well as I may be pre qualified for a credit card. After my deposit had been complete the banker printed out all form she had advised me of. She proceeded to advise the direct deposit slip was enclosed in the new member booklet along with temporary checks and temporary XXXX member card. Bank rep advised I was good to go. Later that evening when my family returned home I went only to update my job direct deposit and to set up my mortgage and car ACH payment. At that point is when I realized the information the bank rep had for the new accounts I had set up along with my funds was set up under the wrong name and a completely different state. At that point I assumed it may just be a simple clerical error so I proceeded to contact customer service to attempt to get the issue of the name and address change. The customer service agent was not able to provide me with any information on my funds as he stated my social does not match. The account was set up under the name XXXX XXXX XXXX in XXXX XXXX. I was unable to process my mortgage payment as well as my car payment and had to max out my only {$500.00} secured credit card which I had just paid off days earlier. I had attempted to pay my mortage payment and car insurance by visa but was unable to as they require routing and account information, when I provided my routing and account number provided by Wells Fargo they both had been declined as information did not match. Then end result is my XXXX account and credit card had to be maxed out and overdrawn in order for the payments to be processed. I do not have access to my funds I am not able to pay for gas at the pump nor may any payments. I am taking my son to XXXX driving out from AZ on XX/XX/2016 and will be returning XXXX I need access to my funds immediately.
Consumer complaint received 2016-08-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (KY)

my wife made a payment to midland co. in agreement to settle a debt, for a one time lump sum payment of approximately half the total amount of said amount by debt collector. Midland Co. they agreed to settle the debt for {$600.00} dollars, as a one time lump sum payment! My wife paid the agreed amount, then Midland did not Honor their agreement! They lied and continue to harass us daily!!!! Thank you for your time & consideration. RESPECTFULLY SUBMITTED XXXX XXXX
Consumer complaint received 2016-08-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

I am a XXXX tax exempt veteran, I along with the City of XXXX have submitted the proper documentation to the Loan Company on more than one occasion, and they have yet to properly adjust my mortgage payments. The taxes stopped coming out in XX/XX/XXXX or XX/XX/2016, I received a refund from the Loan Company, and the XXXX. Then in XX/XX/XXXX the Loan Company paid a tax disbursement to the City on my behalf for the XXXX and XXXX Quarters, and resumed having my mortgage reflect the taxable amount. I have called LoanCare on more than one occasion, and I keep being told that it will be taken care of. That I will receive a refund, and my account will properly adjusted. Another month is passing, and it has not happened yet. When I called today, I was told to give it 10 business days, I explained that the last time I had called more than 3 weeks prior, I had been told the exact same thing, that it would be resolved in 10 business days. I am fed up with the handling of my loan, especially a VA Loan!!
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had several deferred loan modifications with   XXXX   XXXX   XXXX  . Between the years of   XXXX   and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In   XXXX   I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

On or around XX/XX/year> I was a victim of identity fraud in the amount of {$1700.00} and the balance old is {$1900.00} I have XXXX to my local police district and made a police report and I have copies of the report the student account or loan was open with my information but I'm not the one that applied for it I have contacted this company more than once I was just recently told from the US department education that this is not their issue but they're still reporting on all my credit reports this account is a fraud and under that fcra law estates us 15 code 1681 e that any information on a person 's credit report that is inaccurate it must be updated and removed immediately this account is a fraudulent account and it should not be reported on my credit report
Consumer complaint received 2017-06-03
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)

This is the last time I try resolving this here as my problems are being ignored. If not full resolution I will be contacti ng my Congressman and Senator to for ward me to a higher authority. I filed a complaint because info that was not mine was on my report. PAY Attention. t hat 's 1 ... ... ... 2. tax liens, ... ... 3 I can not even access my report or the dispute results because Experian blocks me. " We are unable to honor your request to access your report online. '' this is what I get when I follow the link from Experian 's email stating 1. the results of my dispute are available. 2. that there has been  a change to my report.
Consumer complaint received 2017-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NV)

I was quite surprised to see a late fee on my Discover statement for closing date XXXX/XXXX 2017. I was perplexed because I am careful to pay my bills on time. Looking at my check book, I saw that I had not made the payment due on XX/XX/XXXX. Checking in my Discover folder, I saw that there was a XX/XX/XXXX statement, but noXX/XX/XXXXstatement.
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If XXXX XXXX can sign up customers for new accounts without their permission, then Discover can certainly fail to send out a few monthly statements to get extra late fees that month.
Consumer complaint received 2024-08-02
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. (AL)

Subject : Dispute Regarding Violation of Fair Credit Reporting Act Dear Credit Bureau, I am writing to address a serious violation of my rights under the Fair Credit Reporting Act by a creditor. It has come to my attention that the creditor has failed to adhere to the guidelines outlined in 15 USC 1681 section 602, specifically regarding my right to privacy. Furthermore, as per 15 USC 1681 section 604 section 2, a consumer reporting agency is prohibited from furnishing an account without my written consent or instructions.

I would like to bring to your attention that under 15 USCS 1666b, a creditor is not permitted to treat a payment on a credit card account under an open end consumer credit plan as late for any reason. It is evident that the creditor in question has not followed these regulations, which has had a negative impact on my credit report. 

I kindly request that you investigate this matter thoroughly and take the necessary actions to rectify this violation. Your prompt attention to this issue is greatly appreciated. 

Thank you for your assistance in resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (CA)

XX/XX/XXXX : Had received several " Pre-Approved Loan '' mailers from the Lending Club, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX indicating I ( & my wife separately, on separate mailers to her individually ) was pre-approved for a personal loan of up to {$35000.00}. The mailer was sent to me, specifically, with a specific " RVSP CODE '' and a " Respond By '' date inXX/XX/XXXX. We each have received 3 of these mailers in the past few weeks, with different RSVP CODES and later " Respond By '' dates. OnXX/XX/XXXXI submitted an application online to the Lending Club website " XXXX '' for a loan for the purpose of paying off existing credit card & other debt & consolidating into one loan. The site said I would be considered for any loan amount ( {$35000.00} or less ) for which I qualified.. My financial situation had not changed at all between the time of mailing the offer and my application online. Almost immediately I received a reply that " Unfortunately, we are unable to approve your application. '' Not an approval for a lesser amount than the {$35000.00} stated in their letter, but a total rejection of any loan at any amount! The stated reasons were standard " ratio of balance to limit on bank revolving or other rev accts ( sic ) too high '', etc. However, all of this information should have been available to the Lending Club at the time the " Pre-Approved Loan '' mailers were generated. I believe these mailers  represent a " deceptive lending practice '' or a data-fishing practice, whereby lenders induce citizens to provide their personal information, including income, and then deny the application with no obligation to the lender. I called Lending Club and spoke to a customer service person, who offered only a standard response that my credit situation might have changed after the mailer was sent out. As I stated to her, this was not the case.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NC)

This Credit Company has multiple inquiries on my credit report that is affecting my score and opportunities for future investments and ect just to clear the air the I never applied for any BARCLAYS BANK DELAWARE Bank credit card on XX/XX/XXXX or XX/XX/XXXX it's inaccurate and fraudulent it's not me apparently someone tried to open up something in my name a roommate I once lived with around those times
Consumer complaint received 2024-08-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (DE)

Our loan was reassigned from Specialized loan serviceing to Shellpoint loan servicing on XX/XX/year>. The letter clearly stated that in 5 Key things to know. # 3 " Your mortgage terms will not change as a result of thiis migration, Howver it did change my last statement fro Specialized had our payment locked in at $ {$690.00} for the remaing balance of {$57000.00}. statement dated XX/XX/year>. Howver, when we recieved our first Shellpoint statment XX/XX/year> the previous blaance went to {$110000.00} with a new payment of {$880.00}. Our previous line of credit was only {$80000.00}? They have failed to own you to the error as it is glaringly obvious.
Consumer complaint received 2017-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have disputed this matter countless times to the credit bureaus, the creditor, this agency, attorney generals, and no one seems understand how to proceed. XXXX, Transunion, and XXXX XXXX XXXX ( XXXX ) are all refusing to remove fraudulent information from my credit report after providing verification from XXXX that the tradelines were successfully removed from their report. Transunion and XXXX claim they have no authority to remove tradelines, it is at the discretion of the creditor. The creditor, XXXX, is stating it is up to the credit bureau to remove tradelines. Obviously, someone, if not both parties are lying and a full investigation must be conducted on all three entities. I have repeated multiple times and made it very clear that I have never paid XXXX and never will. XXXX is still refusing to disclose information of the true owner of this account, and refuses provide me contact information of their legal department. I have substantial evidence that proves XXXX engaged in financial fraud, forgery, violations of Fair Debt Collection Practices Act, Fair Credit Reporting Act, Servicemembers Civil Relief Act, concealing information, knowingly reporting false/inaccurate information, failure to protect consumers identity, and refusal to comply with other federal regulatory agencies. XXXX is deliberately and illegally applying a forbearance ( without my consent ) on the account in order to keep the account open and extend the amount of time it takes to fall off of my credit report. Several XXXX employees told me this action was to prevent the account from being charged off. The account should have been charged off XXXX XX/XX/2013 according to the original default date. Somehow XXXX managed to apply several deferments and forbearances that I did not authorize which extended the charge off date from 2013 to some distant year. Also, Transunion is reporting that one of the 4 tradelines is closed/paid in full and the remaining 3 are current. This issue is not new, I have reported this before to CFPB and for some reason, you were not able to successfully resolve this issue. Once again, I am requesting a full federal investigation into Transunion, XXXX, and XXXX. This issue has done nothing but cause emotional and financial distress and CFPB needs to properly handle the situation. If any other information is needed, please contact me. Thank you
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-03-18
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I had a checking account with Bank of America that I opened around XX/XX/XXXX. I never really used the account and my balance was usually less than {$50.00} since I did n't use it. 
I just looked at my statement and noticed I had - {$2.00} in it. Bank of America has been fraudulently stealing {$5.00} per month from that account since mid XX/XX/XXXX and never informed me that I needed to maintain a balance or it would charge a fee. Bank of America regularly emails me and has my phone number, and NEVER informed me. Now they will not reverse the fees.
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

My father who is a XXXX, XXXX XXXX XXXX veteran, was a consigner and primary payee for a XXXX private loan. He fell into bankruptcy and throughout that time they said he did not need to make any payments. However, they did not disclose how interest would continue to build during this financial hardship.They continued to take advantage of a low income veteran during a time they could have froze interest payments, Originally the loan was XXXX but after years turned to XXXX. In addition instead of a cap at 6 % interest rate they continue to raise his interest rate now at 8.25 %. They would not change the variable to a fixed interest rate. How is he suppose to pay this loan off? He ca n't even release his daughter from the loan. Navient has not worked with us and has been nothing but greedy and taking advantage of the poor.
Consumer complaint received 2017-03-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Systems International, Inc. (TX)

This, supposedly, is a medical collection that was contracted out to a collection agency. I have no idea of who this company is or what debt they are attempting to collect on. This is a violation of my HIPAA Rights. Remove completely from my credit file at once.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (SD)

Navient refuses to work with me. Their website states they 're here to help but has chosen to ignore my request for a deferment and I have been subjected to numerous phone calls and e-mails from them. If I knew that updating my information with them would have this negative consequence I would of never given them my new information. I am having financial difficulties and requested a deferment until XX/XX/XXXX of this year but they have ignored the request and instead I am the recipient of near constant phone calls and e-mails. My loans are now way past due and they refuse to bring them current and grant me a deferment.