davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MA)

On the most recent occasion, XX/XX/19, I attempted to pay off a small loan XXXX  {$120.00} XXXX with over payment from my monthly payment. This time I attempted and followed emailed directions to completely pay off this loan, I came to find out that only {$.00} went to principal and {$.00} went towards interest on this loan. The other amount went towards the last loan I have through them. It is with great frustration that I am writing this, I am trying to move forward and pay off loans as a working professional and this company makes it very difficult.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I will attached there recent response letter filled with inaccurate information. I'm also attaching proof once again that there is no XXXX XXXX The phone number in the letter is a business line with XXXX and the address in their letter is a personal residence. Account was opened in California and billed to a California address. I never receive statements or made payments from my personal address or bank account. I would ask them to produce statements and payment records which show it was a corporate account. Using someones personal information and attaching it to a business account is fraud.
Consumer complaint received 2019-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (TX)

I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2019-07-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SD)

For federal regulators and law enforcement. Wells Fargo continues to send unwanted XXXX notifications in delaying and distracting from answering the questions posed to this criminal company in their violations of federal regulatory law as well as criminal law concerning the Truth in Lending Act ( TILA ) and various other regulatory violations as well as criminal fraud and money laundering. They distract and delay answering these questions as it will expose their criminal activity and the activity of Wachovia Bank in 2007 when banks were making windfalls on refinance loans disregarding rules and regulations, competence in transactions by their employees, and fraud to the American consumer. By the shear volume of these refinances and the money that was made, these banks exposed themselves to their shoddy workmanship and to remedy blamed the customers for their mistakes. 

Questions were : 1 ) Why did Wells Fargo sue my person when their acquired bank made the mistake in not requiring a XXXX   balance HELOC not be closed prior to closing knowing the account existed as reported on the credit report and by customer that it existed. Customer paid {$380.00} for that credit report and is the responsibility of the lender to underwrite such disclosure? 2 ) Why did Wells Fargo not notify attorneys of borrower and defendant in their lawsuit against borrower that they dropped their frivolous lawsuit and sold the mortgage to XXXX XXXX as required by federal law? 

Wells Fargo is deliberately trying to confuse and deflect their liability, both civil and criminal, by delaying and reiterating their false narrative to the CFPB and the OCC. I would request a formal investigation by the US Department of Justice and the OCC to begin to expose the criminal behavior of this bank, Wells Fargo and other banks including Wachovia who committed crimes out of greed during the housing bubble.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (NY)

On XX/XX/XXXX, I made a booking for a hotel stay in XXXX at the XXXX XXXX XXXX XXXX. The total purchase amount was for {$580.00}. When attempting to book using my Paypal Credit account, the XXXX booking page crashed as I attempted to purchase and after loading, took my back in error to the previous screen. I checked my email to confirm whether or not I had gotten a confirmation and nothing came through. So I re-entered my information and attempted to book again. This time, the charge immediately went through and I was given my confirmation of booking. I received the standard email comms from Paypal Credit confirming the purchase and the booking confirmation from XXXX, as well as comms directly from the hotel. 

Upon checking my account, I realized that I was debited for {$580.00} TWICE, XXXX time for the failed attempt and then the secondary charge for the confirmed reservation. I reached out to XXXX to investigate and get my money back, but they told me the authorization would drop off the account soon. Yet here we are, 3 months later and the charge is still there. When I canceled this reservation and rebooked with XXXX at a cheaper price, I was immediately refunded the XXXX for the confirmed reservation by XXXX. 

I reached out to Paypal Credit to investigate and provided them with all of the necessary information to handle this dispute and get that ghost charge removed. The dispute was poorly handled and the credit was reversed, as the rep did not properly read the claim ; they assumed because I got a refund from XXXX on the canceled reservation, that all was completed. They did not investigate and read the claim in its entirety. 

I've reopened the claim, resubmitted my information to Paypal Credit, yet I've gotten nowhere. I've been hung up on, yelled at, and have no clear resolution as to getting this unauthorized money removed from my account. Their antiquated approach and abysmal customer service is unacceptable. If I had booked using my XXXX XXXX, this would have been handled in a matter of minutes.
Consumer complaint received 2019-06-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I decided to conduct a self audit of my student loans with Navient. In looking through the payment and balance history, there is a period of time from XX/XX/XXXX- XX/XX/XXXXwhere principle payments made on the loan INCREASED my loan balance rather than decreased the loan balance. I have reached out to Navient regarding this and I am waiting for their response.
Consumer complaint received 2018-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

This short sale was submitted 186 days ago as a COMPLETE packet with valid offer of {$580000.00} which is in comparison to the BPO. SPS 's  underwriting dept continues to ask for things they either have or do not need. Specifically they asked for a 2nd lien payoff statement, which I provided about 3 months ago. I was told they had an issue that it didn't include the property address, I explained it wont have the property address because it is attached to the borrower, not property as it is a credit card judgement lien. They then said that it would have to be remove from sale proceeds as they only pay mortgage liens, fine. I removed it. THREE MONTHS LATER underwriting is asking for a payoff statement again despite already resolving this. I have explained this to 11 people and they all understand at SPS ( customer service and supervisors ) they say they will send a message to underwriting to explain, they do yet UNDERWRITING continues to request non applicable payoffs BECAUSE THEY WONT PAY THE JUDGEMENT LIEN. This is just one of the many unnecessary delays this short sale file has endured.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

I have filed 2 complaints with CFPB against Hunter Warfield for incorrectly reporting a debt on my credit report that is listed in someone else 's name. XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The company responded on XX/XX/XXXX, by providing documents to support their claim, however they are someone else 's documents. They supplied a copy of a lease with someone else 's name on it and shows an address that I have never resided. The lease provided by Hunter Warfield has a digital signature on it so I feel anyone could have made this up. The lease provided has a lease term date of XX/XX/XXXX so I have also attached a copy of my current lease that I signed with XXXX XXXX on XX/XX/XXXX, it's not possible that I had 2 separate leases with 2 different companies during the same time frame. Today I have filed a lawsuit with an attorney that works with the XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: National Credit Services, Inc. (WI)

In 1993 I took a student loan out ... i had to repay XXXX. After growing up and having a family the student loan was at the end of my list to worry about. It's been in forbearance and what not off and on ... made payments for a couple of years here and there. 
Now 25 yrs later I owe XXXX. That's XXXX in fees and interest. I feel this is very wrong. I can't get a hold of anyone to talk to about this. What happened to the payments I did make? Are you charging me a huge fee everytime it gets transferred? I want to see if I can get the XXXX in fees waived and pay my original balance. But when I call they hang up on me and vant tall to anyone.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (PA)

Good Afternoon, On around XX/XX/XXXX I received an alert from XXXX. XXXX is a free credit tracking tool I have through my credit company XXXX XXXX. I received an alert regarding a derogatory account reported on XX/XX/XXXX {$340.00} balance from National Recovery Agency. On XX/XX/XXXX I opened 2 disputes through XXXX. First one was for National Recovery Agency. Second one was for XXXX XXXX Credit Card. Both which I did not recognized. On XX/XX/XXXX I received account dispute update XXXX XXXX Credit Card had been removed from my credit. On XX/XX/XXXX I received an account dispute update for National Recovery Agency confirming the information was accurate. I called National Recovery Agency provided them with the account number in the report, Name, Social Security number twice and they were not able to bring up any of my information. I called NRA a 3rd time spoke to XXXX provided her with the same information as before. She was able to pull the information based on pulling it as a consumer account. She told me the actual account was different and provided the name and dob for the person associated with the account which was not my information. She recommended for me to fax the information for the dispute I had opened to her manager XXXX fax XXXX on XXXX and On XXXX spoke to XXXX to confirm she received the documents. She confirmed she received them and will review and report back. On XXXX I received an account update the company reported the information was accurate. On XXXX I called XXXX again because I have not been able to get any resolution/evidence the bill belongs to me. They confirm they has also ask National Recovery Agency for the Social Security and they still have not provide this information to them. XXXX suggested to open another case and also file a complaint because she can see I have been doing and they have been doing everything we can to try to get more information to get it resolved. Hoping we can get this resolved with your help. If the bill is truly mines I will make sure that it is paid. I have not received any bills in the mail for this company. I called the hospital all bills are pain in full. I currently do no have anything outstanding. This pending item it is hurting my credit. It is only showing in my XXXX and not XXXX nor XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-06-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IA)

In XXXX, I was laid off from employment. I tried to get my payments deferred for a short period of time. In order to do so, I was required to pay {$150.00} for a 6 month deferral. Once this was up, payments restarted. Intrest was variable and between XXXX and XXXX I asked about lowering the amount of the loan. I went over all of my finances and they told me they couldn't lower them, but also wanted to know how I expected to pay them with XXXX dollars left after my other bills. I told them I would be able to. After several months they sent me to their collections department. They then wanted {$18000.00} to settle. In XXXX they sent me to a separate collections agency who then tried to get me to put {$14000.00} on a credit card to pay off the loan. I refused to do so. Thursday, XX/XX/XXXX yet another creditor called me wanting the same, for me to place the loan settlement amount in full onto a credit card. 

I couldn't negotiate payment with them in any way, So they sent me to collections and quickly to a creditor though they still claim to own the loan, and now want me to charge that amount in debt to a credit card with around 23 % interest, which I can not and will not do.
Consumer complaint received 2019-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

Received alert on XX/XX/XXXX from credit monitoring company that my XXXX XXXX XXXX has increased by {$1600.00} from {$0.00} Dollars. Last month I paid off that card and should have a {$0.00} balance and be paid in full with account closed. based upon the screen shot this has to an error on their part as the dates do NOT line up. They are saying that credit utilization as of XXXX XXXX was 0 % and at XX/XX/XXXX it was at 64 %. 

Equifax and XXXX both are reporting that both accounts have been closed and settled. 
See attached documentation ...
Consumer complaint received 2024-08-08
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. (NY)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

**Name of Account and Account Number** : XXXX XXXX  XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

This USAA FSB account # XXXX is Paid-in-Full. The account is not " Open '' or in a " Payment Plan '' as it is completely paid. USAA has been asked to correct this  inaccuracy. XXXX  and XXXX  have also been notified to correct the false information but have not.