davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
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: Experian Information Solutions Inc. (CA)

Around XXXX 2015 I opened this account. I made payments on time for a long time every two weeks. I had to get a divorce due to a XXXX marriage. I called them to work out new arrangements said they work with me and I was in no danger of getting reported to the credit bureau. They never reported all the payments I made on time. However without notifying me they reported me negative with Experian. The fair credit reporting act states a creditor is suppose to notify you when it supplies negative info to a Credit reporting agency.
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I made my credit card payment on time to Bank of America electronically using the Bill Pay service at my personal bank in XX/XX/2018. My personal bank had an error in their system and did not send the payment even though I had made the payment. Bank of America reported this payment as late to the credit reporting agencies. My personal bank has call Bank of America several times and explained that I had made the payment, but Bank of America continues to report the payment as late.
Consumer complaint received 2018-07-18
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: National Credit Adjusters, LLC (TX)

I have disputed this debt multiple times. I need debt validation. Back in XX/XX/XXXX you all were supposed to cease collection activity and Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt it needs to be removed from all 3 credit bureaus asap n not to pop up again. Also you guys failed to send me proof n its now 2 months later.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HANCOCK WHITNEY BANK (MS)

i submitted a letter to XXXX XXXX concerning this negative item on my credit on XX/XX/2018 and XX/XX/2018 with no response to neither one of them.i would like assistance with this matter, obviously they has disregard the 30 days time allowed by law.my balance is incorrect and it should be XXXX XXXX and i'm asking them to verified it bearing my signature as well. 

usps XXXX this is the certified letter from the postal service
Consumer complaint received 2018-11-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Exeter Finance, LLC. (FL)

Exeter Finance repo this vehicle with my ex-wife. After being repo from her they stated that I will given a chances to keep the vehicle in 10 days. Exeter Finance violated the Fair Credit Reporting Act because they did not send a certified letter within 10 days of the vehicle being repo. I never received any documents on these vehicle sell date or auction date. I was never given a chances to buy back this vehicle or pay the past balance.
Consumer complaint received 2018-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CT)

In XXXX XXXX I applied with Wells Fargo for a loan modification, I was denied each time. I went to a local group, XXXX XXXX XXXX who advocated for me to get a loan modification that was approved in late XXXX or early XXXX. I have consistently made my payments on time. In XXXX I was advised by someone to call Wells Fargo to see if I could lock in at my current interest rate of 2 %. I called and spoke at length with a representative that said that I could and she would be happy to assist me with this. I always had problems tracking my account and payments on the Wells Fargo website and she said it was no problem, that she would be happy to send me my mortgage monthly payment amount for the life of the loan, I wanted to get this in writing because of all the problems I have had both current and in the past with this lender. I was shocked when I received notification in late XXXX that beginning in XXXX of XXXX my locked in interest rate of 2 % would be going up to 3 %. I immediately called Wells Fargo and after extensive time on the phone, it was really exhausting, they would get back to me. I forwarded to them the document that promised a 2 % loan rate for the life of the loan, excluding insurance and tax increases. I received a very pompous telephone message from a XXXX XXXX, who was so unprofessional with his snide remarks over the telephone message that the document was not going to be honored. I will attach them when I can within this complaint.
Consumer complaint received 2018-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I was lead to check my credit report during the time I started to work towards purchasing a home. I found that XXXX XXXX XXXX was reporting for an unpaid debt and sold to a third party collection company. The original creditor refused to even speak with me in regards to this account and referred me to the the third party agency, XXXX XXXX. After contacting the collection agency, I found that this account was established by my mother ( who is now deceased ). Ive sent proof that I was not responsible for this account, during the investigation, I requested information pertaining to this debt to no avail. Since the investigation, Ive decided to settle on this debt due to the hinderance in the process of purchasing a home, however, Ive since disputed both creditors and have yet to receive any supporting documentation pertaining to this debt.
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP (AR)

Had an account opened in 2008 with US Bank. Overdraft that same year. Now these people keep calling different " law firms " saying the bank is suing. When I called the bank they had no idea of what I was talking about. One number these people keep calling from is XXXX. I don't have the other number.
Consumer complaint received 2018-11-12
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: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX I checked my credit report, I realized that there was an excessive amount of inquiries that had been ran without my consent. I disputed each on its a total of 12. As of last month XXXX XXXX   and Experian both said they couldnt find anything and with that being said they couldnt do anything. I wrote back again saying these were unauthorized and basically fraud. They said they closed the investigation. My thing is I think they should know that its excessive inquiries, who runs there credit like that back to back. Up to now my history has never shown excessive pulls like this. Furthermore I have a fraud alert to call me before extending or running my credit.
Consumer complaint received 2018-07-17
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: Experian Information Solutions Inc. (MI)

In XX/XX/XXXX I filed a dispute with Experian about an account on my credit report from XXXX XXXX  XXXX XXXX XXXX ( XXXX  ). 

In XX/XX/XXXX/XX/XX/XXXX I had ATVs on a loan through a Credit Union called XXXX XX/XX/XXXXXXXX XXXX XXXX ( XXXX ). These ATVs were repossessed in XX/XX/XXXX, creating a date of delinquency of XX/XX/XXXX. This was never pursued by XXXX. Sometime between XX/XX/XXXX and XX/XX/XXXX XXXX  was bought out by XXXX and they charged off these ATVs in XX/XX/XXXX. They also falsely claimed that I made a payment of some sort in XX/XX/XXXX, which illegally re-aged this account. This account should have fallen off my credit report in XX/XX/XXXX due to the Date of delinquency being XX/XX/XXXX.

Due to this I disputed this account with all three credit bureaus. As of today Experian completed their re-investigation and this account was still on my credit report.

I attempted to dispute these with Experian again they wouldn't allow another dispute. This account should be time barred from credit reports and Experian continues to report it as being negative.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted Transunion to have 2 accounts pay status corrected or removed. The accounts : XXXX XXXX XXXX #  XXXX with pay status being ( account included in Bankruptcy, Chapter XXXX ). Transunion provided a document saying after their investigation the record was updated to Chapter XXXX Bankruptcy and date closed was XX/XX/XXXX. First this account was never in a bankruptcy XXXX or XXXX. And the account was sold to another lender XXXX XXXX on XXXX/XXXX/XXXX. This would not match the account being in bankruptcy which they show would come off my report in XX/XX/XXXX which is 7 years so that would be before the date it is sold to another lender. There is no proof of the bankruptcy by reference or number and the dates are inaccurate. 

The XXXX record on my Transunion report have multiple inaccuracies. The report states that the account : XXXX # XXXX with a pay status being ( account included in bankruptcy Chapter XXXX ) Transunion states that upon investigation that the information was verified as accurate. All the dates for this record are incorrect. First the open and close date is incorrect. The record also states that the last payment was made in XX/XX/XXXX which is incorrect. The date closed XX/XX/XXXX is that the date the bankruptcy that there is no proof of even on their credit report was filed and if so why is the estimated date of removal of this record XX/XX/XXXX which would not be 7 years from any of the dates listed on the record? 



The FCRA sections XXXX all reference the details of the accuracy of Credit records and what has to be accurate and the procedure for removal of the records that are inaccurate. These records meet all the criteria and have remained on my credit record causing financial and emotional harm concerning my credit and ability to pursue credit. 

I at the least would want the inaccurate items removed and have considered additional legal action. 

Thank you
Consumer complaint received 2018-12-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Navient has been an extremely difficult company to work with and I am not sure they are servicing my loans appropriately. They service my private student loans, which are under my grandmother 's name as she is listed as the borrower even though I am the student who needed the loans at the time in XXXX. This company has not been helpful to provide me with information that I need to service my loans. I had applied in XXXX of XXXX for a reduced rate payment program and it was to last for 6 months. At the end of the 6 month period, I did not receive a letter stating the program was ending and that I had the option to re-enroll. They also informed me in XXXX that I had been set up with pay ahead payments, which they did not clearly explain to me what that was. All I understood from that conversation was that I had been paying ahead on my loans, which I never gave permission for them to do nor did I receive any notification that my payments were on the advanced pay schedule. Prior to enrolling in the reduced rate program, Navient did not explain to me all my options for reducing my payments since they were extremely high for the last several years. It wasn't until I made continuous phone calls that they were able to explain this program to me. Also, since the loan is under my grandmother 's name, it is very difficult to find out information since I am not the main borrower, even though I have been the one making the payments since the start of my loan in XXXX. During that phone call in XX/XX/XXXX, an employee explained to me that I could fill out a power of attorney form so that I could make the decisions and receive all information for the loan. Again, this was never provided to me as an option throughout all my difficult phone calls over the years with Navient. Furthermore, their website is not user friendly and does not provide me with detailed information regarding the student loan. It's difficult to find out when the loan was even dispursed. All correspondence is only operated through their log-in session and only goes back to XX/XX/XXXX. If I need a document beyond that, I can't access it online and I'm not even sure if I could receive it if I called them.
Consumer complaint received 2018-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (NY)

Was unaware they were charging to a credit card, because I didnt know I had one. Never signed up for one, was underage regardless. Whoever is calling claimed I signed up for a credit line when I was XXXX years old. Ive always had a PayPal account but never had a PayPal credit line. I have a credit card and debit card on my account which is what I always used to pay. They have called my step father and convinced him to give them his card to make payments on a credit line that is apparently mine? I always told him it must have just been scammers. But it is apparently much bigger than that. Theyve told him amounts I owe which I am unaware of. Also actually convinced him to make payments.
Consumer complaint received 2018-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a claim through Bank of America on XX/XX/2018 in regards to a fraud claim through XXXX ( XXXX XXXX ). I attempted to make a purchase with a vendor to purchase a phone I was interested at the time, in the amount of {$320.00}. I was naive enough to send this person my hard earned money, thinking it was a legitimate means of purchasing a secondhand product. The moment I sent the money, the vendor reassured me that she would send me the tracking number in regards to my order. The following day, the vendor blocked me from any attempts to contact them again, indicating this was an intention act.
Consumer complaint received 2018-12-27
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: Experian Information Solutions Inc. (CA)

Experian Report # XXXX for XX/XX/XXXX. I have asked this to discontinue any and all credit freeze that they may be involved in under my name/s.I was at XXXX XXXX # XXXX in XXXX Arizona to purchase a washer & dryer and was unable to complete the order or credit card application due to inability to recieve the credit information from Experian. Also XXXX XXXX XXXX appears and they are under a class action suit for having a pick-a-payment loan that was illegal. XXXX XXXX as stated before no action or foreclosure should appear as this home XXXX XXXX XXXX was sold.This was sent to all Credit Companies and everyone but Experian complied. This was in XXXX # XXXX XXXX XXXX was found guilty of collecting an advance sum on a refinance by The State of California and bad faith, I have advised Experian about sharing information regarding myself as not to and they continue.I did not want or apply to these XXXX XXXX XXXX on my Credit as a request that I know nothing of.4 requests by XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and these things remain for 2 years.capitol 1 for an  auto loan which I did not apply for.XXXX XXXX  XXXX never applied for a car.
Consumer complaint received 2018-11-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I reviewed my contract and I saw that I'm paying XXXX dollars for products that I won't use and don't need it, including tire protection and warranty. 
That time that I signed the contract I couldn't understand English very well, I'm taking English classes now. 
So they sold XXXX dollars to me for XXXX miles warranty for example, but in my lease I just can use XXXX miles. At the end of my lease I will give the car back and I don't want any car from Toyota. 
Today XX/XX/18 I called there and they said that based on the miles that I used they will pay me back, but this is not fair, because my car has the lease warranty, this extra one that I'm paying is extra, so this is not right, they don't want to pay me back the full amount for this e for the other products that I don't need and never asked or knowed for it. I just don't know English very well, but I'm not stupid.
Consumer complaint received 2018-12-29
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. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2018-07-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX purchased our XXXX mortgage loan last XXXX. At first they led me to believe I was late so I filed a complaint w/ cfpb. Things got resolved but I felt I was getting played based on XXXX 's reputation. ( maybe we have someone not paying attention? ) Last XXXX they forced placed a flood policy on me. I ignored it knowing their reputation and was not paying for dual coverage.I have not paid the premium. I finally got tired of them asking for the premium and sent them my XXXX page. Not good enough. Apparently since this was new construction the legal address does not match the physical address. No big deal they say " It is required by XXXX. After all these years no creditor has challenged this. So .... The insurance company says the agent has to change it and the agent told me to call the insurance company. Again no big deal as we been carrying flood insurance since we purchased the house. Again, I feel like is XXXX looks for borrowers to extort money from ; somebody not paying attention. They have gotten better ; the call center employees sound more convincing and professional : but when asked XXXX several people ) to review my policy ( XXXX page ) ; almost all XXXX insurance experts XXXX had no access to it ; XXXX a couple did XXXX when they all should. Now I'm asking for a deferment and I'm feeling I will get the run around. I've been down this path before.! A group of investors buying a distressed book of business handled by young people in a call center in XXXX XXXX XXXX.
Consumer complaint received 2018-12-27
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Riverwalk Financial Corporation (KY)

The account was through XXXX XXXX and it was an auto loan and it was repossessed. XXXX XXXX XXXX is the owner of the debt apparently and they had XXXX XXXX XXXX XXXX XXXX, which seems to be a scam group, call me and threaten me. Said that they were going to file a criminal case for fraud against me. Threatened me, used vulgar language with me, called several family members and aquantainces and gave them personal information about me and the debt. Spoke to my dad at length with no permission. Gave him account numbers, amounts. Left personal information about me on several peoples voicemails, which i still have saved. They called back to back numerous times. I never received any information in writing, they said they mailed a ton of documents to an address i haven't lived at in 3 years. Yet, my address where i live now, is where the vehicle was picked up at. So my current address was updated. Then they refused to send me any documentation or proof of the debt in question. a guy i spoke with told me " I just really don't know what kind of documentation you want. I'm telling you now what you owe ''
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

I lived in the apartment complex in XX/XX/XXXX this debt is saying that it was opened in XX/XX/XXXX and after I disputed the the debt they doubled the amount owed! I have attempted contact them by phone multiple times with no response! I am not sure what to do to get this issue resolved and I really need some assistance with getting this resolved.