davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My mortgage is with Bank of America. I filed Chapter XXXX bankruptcy in 2012. The BOA mortgage has been modified but has never been with another lender. BOA is refusing to report my payments to the credit bureaus- my payments are always made on time- and this is causing me to have a XXXX credit score. I reached out to them a few days ago and they are still refusing to report the account to the credit bureaus.
Consumer complaint received 2018-05-22
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX I received an alert activity from my monitoring service XXXX XXXX. 
I checked the alter activity and found on XX/XX/XXXX someone had tried to apply for a Capital One credit card in my name. I have not applied for this card neither have I given authorization to check my credit. I called Capital One first. In which they are the ones or any creditor would have to investigate to see if this inquiry belongs to me. They asked for my SS #, Name, and Address. Looking at my file they found no SS #, Acct. # or Address that was applied on XX/XX/XXXX. I asked them to remove it immediately from all 3 credit bureau 's and from my inquiries from all three. 

I have called them all back and forth in regards to this problem. And they all want me to write letters to all going to the fraud department and this is unexceptable. 
I want all 3 bureaus and Capital One to delete this inquiry off of all 3 bureaus. For when I called Capital One they agreed that I don't have an account with them. I have no receipts, documents, photo 's only thing is it is on my credit report showing that I applied for a Capital One credit card and I haven't.
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

For approximately 14 months, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been collecting a debt owed. The statement comes from the XXXX   collection Department. They are charging XXXX $ each month. They are only applying XXXX $ to the account. When I called today, XX/XX/2018, to ask about this, they told me I had to contact Transworld Systems Inc ( TSI ) who is the actual holder of the debt collection. TSI informed me that there is a {$24.00} transaction fee. When I asked for a payoff amount, they said they couldn't give me one and i needed to contact XXXX. This seems like a very illegal practice for them to charge me for a fee when the other company is the holder or vice versa. I also asked for a history of statements to verify if this has been going on the whole time and both XXXX and TSI said the other could provide.
Consumer complaint received 2018-05-22
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: Santander Consumer USA Holdings Inc. (AL)

For the past 12 months I have sent information to XXXX   asking them to VALIDATE XXXX XXXX that has been added to my credit report. The only response I am getting from XXXX is verified.
Consumer complaint received 2018-05-22
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. (GA)

Requested the removal of tax liens that are currently reporting on credit report. New law states that tax liens are not reported and will be deleted from credit report. Requested the removal to credit bureau several times and request was not honored.
Consumer complaint received 2018-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On XX/XX/XXXX, we had hurricane Irma and due to that, I was out of work for a while. I called NationStar Mortgage which goes by Mr. Cooper now and explained that to them. They told me that I did not have to make any payments till XX/XX/XXXX and that those payments were going to be added to the back of my loan. I called them on XX/XX/XXXX, and the operator that I spoke with told me that I didn't have to make my payment till XX/XX/XXXX. When I tried to make a payment in XX/XX/XXXX, it showed that I had to pay {$3000.00}. I called and spoke with them and they told me that when I called in XXXX, they did not have a plan on how they were going to help the customers affected with the hurricane. I told them that they told me something different when I called on XXXX. I spoke with a supervisor who taught that all I have to do is send a letter from my job and after that the payments were going to be added to the back of my loan. I sent the letter and called them a couple of times and they never return my call. Two days ago, I got an email saying that nothing was approved and that I have to pay {$3600.00} all together and that they do not take partial payment. They are very deceitful and they should not be telling customer lies. If they would it told me that back in XXXX, I would borrow the money from someone and pay my mortgage. I do not have {$3600.00}, I work and go to school which I pay in cash. They need to honor their word and add those payments to the back of the loan.
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Western Benefits Group, LLC (FL)

In roughly XXXX of 2015 my mother and I registered with this company to handle my student loan account that had gone into deferment status. Anytime I spoke to their customer service they seemed extremely legitimate and we have thought so for OVER three years. We were told to pay an up front fee of I believe either {$250.00} or {$300.00}, and then my monthly student loan payment was {$59.00} for the first 24 mos, and it was then lowered to {$39.00}. I have paid nearly {$2300.00} to this company to handle my student loans-to only now find out that according to the XXXX XXXX XXXX XXXX NONE of this money has gone towards my student loans, and I am now in delinquent status. I was also made aware that this company created an account for me with XXXX XXXX XXXX under a username I would never have created-which is identity theft.
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY ()

First of all, i am peruvian resident. I was looking for a remote job in XXXX, and a person : XXXX XXXX told me that i need to contact to XXXX of We Work Remotly in order to do some work. When i finished, XXXX give me a telegram of XXXX XXXX who is the person who do the payment. She send me an email of XXXX XXXX Bank where said that i need to have in my account XXXX XXXX  availables to recieve my payment and give me a telegram of financial department of XXXX XXXX. When i contact, cause its my first time working at home for " XXXX '', the account of that person have the icon of verified and the picture of the bank, so for me thats ok cause its reliable. When i contact with the person, he or she, cause i dont know, told me that i need to have the money and send photos of my ID, electricy facturation and also a selfie. I gave him everything including a screenshot for my account where he can see that i have the money to pay the fee. He told me that the bank needs to buy XXXX in different platforms, I did it. And when I finish, he told me that he is going to give me the authorization of the bank to recieve my payment in a few minutes. After that, send me an email of : XXXX telling me that its neccesarilly to have another amount because XXXX needs to know that I have to pay another fee, and its around XXXX XXXX XXXX. When I saw the document inmediately and read what they were asking me for, I immediately realized it was a scam. The problem here its that they use service channels that are verified, to be more specific : XXXX. I know i was really naive, but i really need the money thats why I accept.
Consumer complaint received 2018-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (WI)

I received a letter from XXXX XXXX that I had not paid the bill for the XXXX XXXX. XXXX XXXX is in bankruptcy. I had not received a bill by mail or email. I immediately paid the bill over the phone on XX/XX/2018.My credit score has gone from XXXX to XXXX. I want an this fixed and my credit score up to  XXXX. I have contacted XXXX and I have file a complaint with Wi consumer protection and the tell me they forwarded case noXXXX to you. I di receive a letter from XXXX XXXX   that I have XXXX balance but that does dot take. Are of my credit score. I also see they have many complaints against them
Consumer complaint received 2018-05-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I'm currently Battling XXXX and have not been able to work. I Filed for an INCOME BASED repayment plan. Received a notification that based on my income I had no payment due until XX/XX/XXXX. A month later I started getting " late payment " notifications and also started getting different due dates and amounts due???? Now I have started to get calls from every fake student loan forgiveness site in the US? Wondering how they got my private number when the only place I ut the information was on my application to the US Department of Education ( who forwarded it to Navient )??? Would like for Navient to honor what they sent me. No payment until XX/XX/XXXX. This will allow me time to fight my XXXX and hopefully get back to work.
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC (FL)

I got a car from XXXX XXXX XXXX and was sold a lemon when I first got the car. It went hot I paid to have it towed in to them to get fixed and 3 days later it started running hot again. They never did fix I had to ride around with water in my car until I could pay someone to fix it. I wrecked the car while driving it the front end fell off and I hit something come to find out they sold me the car with the front end zipped tide on to the front of the car I knew it was loose and asked them to fix but they never did when the car was wrecked I called them because I had insurance in it through them plus warranty and they never did send anyone out or have it towed the car sat for almost 2 months until my apartment complex had it towed now they have it on my credit report as a repo instead of it being wrecked I had no AC or heat they never fixed it the horn went out the door wouldn't open with keys I was sold a overpriced lemon and its not right and I had warranty yet they still didn't fix after it was wrecked after many calls and emails that I sent I gave up they didn't care the car was not a repo the car was wrecked and they never fixes it like they promised the car sat for almost 2 months they sold me a lemon I have pictures of the damaged car and emails that I have sent and screenshots of all my calls to them yet they never sent anyone to look at the damages or call me back or even send a tow truck. Now they have me down as a repo on my credit report making my score go low and unable to get another car.
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. ()

While currently serving in the United States XXXX XXXX overseas ( XXXX ), Navient put my student loans in default. Navient has my XXXX XXXX address because it was provided to them before I departed the United States for my service. 

To begin with, prior to leaving California, my loans were in deferment because I was a XXXX XXXX student at XXXX XXXX. I spoke with a representative the 1st week in XX/XX/XXXX and requested a XXXX XXXX XXXX. They informed me that my loans were in good standing and that the paperwork regarding my full-time status at XXXX State and my enrollment in the XXXX XXXX was acceptable and that I had nothing to worry about. I wanted to make sure, before leaving the States, that Navient wouldn't make any mistakes and place me in a default status : was I wrong. Just recently, I found out within my year abroad that my loans defaulted and that my credit ruined. I contacted Navient over a course of 3 months. Over this course of 3 months, I've spoken to several representatives ; sent emails and I have given them my address where they could send notices. Never once have I received in writing or email, that my loans were in default. I finally spoke to a representative who assured me that everything should be ok and that I will get an answer. In the meantime, I sent Navient every document : XXXX XXXX proving I was enrolled full-time and an official letter from XXXX XXXX stating that I am serving for 2 years and 3 months. With that said, I received an email from Navient stating that my loans are in good standing and that I am in forbearance and have to make a payment starting in XX/XX/XXXX. The problem with that is I am in the XXXX XXXX and can not make payments. My service ends XX/XX/XXXX, and will not be gainfully employed, but will enroll back at XXXX XXXX XXXX of XX/XX/XXXX. Instead of placing me in a deferment status, I'm in a forbearance status which was not suppose to happen.
Consumer complaint received 2018-03-07
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. (GA)

XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX   {$1600.00} ( did not provide me proof of signed HIPPA ) Experian : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.
Consumer complaint received 2018-03-07
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. (GA)

XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
Transunion  : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX  {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had 2 checks for {$1600.00} sent to Capital One in XXXX from XXXX XXXX XXXX, XXXX of AL. 

Capital One received and deposited the checks but failed to give me credit for said payments. The XXXX check was deposited on XX/XX/XXXX and the XXXX check was deposited on XX/XX/XXXX 

I have sent proof to Capital One and to XXXX, XXXX, and XXXX  by certify mail several times and Capital One has denied receiving said proof. 

Capital One sent me a letter requesting that I submit proof within 30 days and my attorney fax said proof within the requested time period and they denied receiving it. 

Capital One actions has caused me serious harm in that I am a senior citizen on a fix income and has caused me stress, lowered my credit score, especially showing my account with them as a charge off when in fact I have doubled payed them, I lost lines of credit, pay higher interest rates, and I been denied the opportunity to get into a retirement facility, and I have been refused additional credit.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within XXXX days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2018-03-07
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. (VA)

I filed several complaints with XXXX and Experian over a serious problem with XXXX XXXX, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( XXXX ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX, Experian and XXXX and I am just receiving a closed account with a balance XXXX has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.
Consumer complaint received 2024-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BROKER SOLUTIONS, INC. (GA)

I called them to consolidate all of my credit cards bill which came up XXXX. I was told by XXXX that I could do that. After closing they only paid XXXX and I got back about XXXX. I called them to let them know Im missing checks to some my credit card that was supposed to be included. I called the XXXX XXXX he would not respond back to my calls. And I was told by the underwriter just used the money they sent me. That defeats the purpose of me combining and trying to do home improvements.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (IL)

The debt collector has not report payment to this account and it is lowering my credit. 
I would like the accurate information reported on my credit report immediately. 
National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Account Number : XXXX Creditor : XXXX XXXX No : XXXX
Consumer complaint received 2022-09-20
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. (FL)

well I have inquiries on my credit report that do not belong to me, there are 11 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in my credit report
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I have been having some issues with Discover credit bureau for a little over a year now. I reached out to them via email at their card member services website back in XX/XX/XXXX after I noticed that they had never reported any of my payments to them on my credit. I never received a response as well as after reviewing my credit again have discovered there was no action taken to report. My last payment to them was in XX/XX/XXXX for {$250.00}. I also spoke with a representative recently, on XX/XX/XXXX, about settling my account, In the conversation I asked the representative to email me a copy of the settlement agreement for my records, He advised me to make a copy of the conversation, confirmed my email address, and stated that they would email me the settlement agreement. The settlement agreement was never sent to me however. attached is the file i saved as a copy of the conversation.