davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My recent credit report have disputes I created through transunion in regard to XXXX derogatory marks listed in collections that are on my report. This information is inaccurate and suddenly appeared on my report with no knowledge. The accounts in my report that are considered to be in collections do not belong to me and or are payed off. I believe the negative information on my report is untrue and I want these derogatory marks removed from my report. I 'm unable to apply for loans, credit cards, etc because other businesses that pull my credit report are seeing a score displayed to them that is incorrect.
Consumer complaint received 2017-01-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX, I called XXXX to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage loan because if that was my score, I was ready to apply. I had been in touch with this bank periodically while my score was increasing each month. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by XXXX. The bank refused. XXXX refused to help me in that request.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXXXXXX 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2017-01-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Plus Inc (VA)

I did n't tell this Mortgage company to run my credit report the Loan office officer name is XXXX This loan officer ran my credit not once but twice and I tried to call he wo n't answer the phone. 
I need these inquiry off my credit report it bringing down my score Please deleted these inquiry from XXXX XXXX to XXXX XXXX
Consumer complaint received 2017-01-05
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (NV)

I got a Wells Fargo easypay instant card and added {$150.00}. I made one purchase at XXXX XXXX, the total was {$89.00}. When I tried to make another purchase at another site, a message came up that said that the order could n't be confirm.I obviously continue trying sense I know I had {$60.00} left. The same message would come up. I tried buying from other site within my budget and nothing.I went to the bank and ask what happen?. They would say that nothing was wrong with this card to call the companies. I knew they were lying because I have bought things from those same site using XXXX, or XXXX XXXX gift card. I know XXXX dollars is not a lot of money, I just wound what they were thinking, like that I was n't going to remember how much I put in the card. I can proof how much I add an how much I wasted.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I hope you can help me with settling the matter related to a continuing balance on our account for the XXXX charge cards referenced above. We 've have been trying to resolve this matter for more than six months but without any success. 

On XXXX XXXX, 2016 in excess of {$3000.00} was charged to our MasterCard ending in XXXX in a single day - actually - in a single afternoon. These were fraudulent charges made by an unknown user - they were not made by us, nor had we authorized anyone outside of our family to use our card. We only learned of these charges when over {$3000.00} in charges had been accumulated and when I received a phone call from Citibank asking for verification for a {$2400.00} purchase. The Citibank fraud investigator that I spoke with was very cordial and helpful. After I indicated that we did not make the {$2400.00} charge he indicated that we were likely the victim of a security breach. I then asked him for details on any other charges made that day and we worked through identifying several additional charges from that day 's activity that we did not make. He assured me that all of the charges would be removed immediately and a new card would be issued. 

Unfortunately, it was not until XXXX, 2016, after repeated phone calls and email messages, that all of the illegal charges were finally removed from our account. I am truly both exhausted and frustrated by the amount of time it has taken to resolve this matter. In fact, our family has not used the card to make a single purchase since XXXX XXXX, 2016. 
As I write this, there is a balance of {$270.00} about which I have made numerous phone calls to Citibank Customer Service. All toll since XXXX, 2016, I have easily spent more than 8 hours of my time desperately trying to get this matter resolved in a timely matter but to no avail.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (PA)

My recent credit report have disputes I created through Equifax in regard to XXXX derogatory marks listed in collections that are on my report. This information is inaccurate and suddenly appeared on my report with no knowledge. The accounts in my report that are considered to be in collections do not belong to me and or are payed off. I believe the negative information on my report is untrue and I want these derogatory marks removed from my report. I 'm unable to apply for loans, credit cards, etc because other businesses that pull my credit report are seeing a score displayed to them that is incorrect.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Conn's, Inc. (TX)

I had an account with CONN Appliances, XXXX which I was making monthly payments debited from my checking account. I paid off the entire balance on XXXX XXXX, 2016. However, they continued debiting my account for three months and counting. I had contacted them 3 times and they admitted and said they will refund money. Instead they keep taking money out. I have proof I paid off the account, but looks like there is incompetence in their finance department. XXXX different occasions I had been told to wait for the money to be refunded but is been three months and all I get is another withdraw from my account.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (FL)

this was a cable ( XXXX ) XXXX bill that was put in my name in 2010. Convergent re-aged the debt for {$140.00}. it appears on both XXXX and XXXX credit reports crippling my chances to move forward in life
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I called Bank of America to activate my card as an authorized user, which I received in the mail. The call went to the Fraud Dept. They said that my mom 's account was on hold by the Risk Dept. XXXX of the Risk Dept said she could not speak with me about the account. She needed to speak to my mom as the primary account holder. I got my mom on the call. She asked my XXXX XXXX XXXX mother, who does n't speak XXXX and for whom I have always handled her affairs, to tell her how long she has lived in her current address. My mom could n't remember the exact date but said we had been living there for XXXX something years. The correct answer was XXXX. XXXX said that was an unacceptable response and was unable to verify the information and refused to assist us any further. When I asked to speak with a supervisor because she was being difficult, she hung up the phone on my mother and me. She was rude and unprofessional. Now, every time I call back, XXXX must have written some notes on the account that would force us to go into a Bank of America branch because every person we have asked for help has refused - with the exception of XXXX ( I think that was her name ) which could relate and empathize as she cared for elderly parents as well. And even when speaking to a supervisor and answering the security questions correctly because I am looking at the details online, I was told that they could not verify my mom and could not help us further. In my 44 years on this planet, I have never, ever been subjected to this mistreatment in my life by a credit card company. Please help.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I read online today that Navient is being sued, and I believe I have been effected in years past. Navient recently transferred my loans to a different provider but for years I had my loans in deferment instead of income based payments. How do I include myself as a victim of the alleged deceptive practices? I graduated from XXXX college in 1998 and still have XXXX to repay. 20 years out of school and still not making enough to pay the interest on these loans.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

To whom it XXXX concern, thank you for taking the time to help me with this matter. It has been very stressful for me as I am currently shopping for a mortgage and have put it on hold because of this issue. My XXXX XXXX through Experian is XXXX. XXXX is XXXX. XXXX is XXXX. Unfortunately I am being told that mortgage lenders use the lowest score. I do not understand this but i guess that is the way it is. I have contacted Experian numerous times over the past few months as to why my XXXX XXXX is XXXX points lower then my highest and XXXX points lower then my middle score. Every time I get connected to a representative from Experian I get the same answer. That answer is that they use a different model to rate credit scores. I understand that however, I can see if it was a difference of maybe XXXX or XXXX points but I think XXXX points is excessive. I feel that there is something wrong with how Experian is scoring my credit. I have researched my credit report through all XXXX bureaus and all the information is the same including lenders, accounts and all other aspects. There is only XXXX thing on my Experian credit report that is negative and that is a late payment issue during a time when I was struggling financially. That negative issue is over XXXX XXXX XXXX and while I know it stays on your credit report for XXXX  years why is it impacting my XXXX XXXX over that amount of time at XXXX points. This late payment issue is not even on my XXXX or XXXX report. This is effecting me from getting a better mortgage rate as a first time homebuyer. The amount of times I have contacted Experian and all I get is there is nothing we can do response is getting old now. I have even tried to use Experian boost for my score but they said Experian boost was not working at the time. In conclusion I feel that I am being misled and mistreated by Experian. There should not be a XXXX point difference between Experian and the other XXXX bureaus. Something is not correct and I am hoping you can help me get some feedback as to what Experian is doing to my XXXX XXXX in such a negative way. Thank you for your time. Please take note that my Experian score never seems to go up that often instead it always drops while the others go up more often.
Consumer complaint received 2017-09-09
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. (CA)

On XXXX I learned of the Equifax data breach. Using the website they set up, I discovered that my personal information had been compromised. I immediately instantiated a fraud alert on the 3 major credit bureaus and reached out to Equifax for details on how to proceed. 

Equifax did not adequately protect my personal information, and has not provided appropriate clarity or instruction on how to proceed now that my information has been compromised. This is a critical oversight for a company that holds so much responsibility for personal protected information.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Law Offices of Robert J. Colclough, III (CA)

I do not have a contract with Allied Collection Services and do not owe the alleged {$2600.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am not participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Consumer complaint received 2017-09-09
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. (OK)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from XX/XX/XXXX through XX/XX/XXXX of this  year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I have been pating {$15.00} a month that automatically comes out of my account every month for over a year. My payments are low due to my income. XXXX 2017 they raised my payment to {$51.00} without any notice or warning they took it out of my bank account when I called them they told me that recalculated my payments so my loan would be payed off in 14 months which is my time limit. I was never told I had a time limit. They said I could n't do time forbearance because I did n't have any left. They said I couldnthink lower my payment back down cause I only have {$780.00} left to pay.
Consumer complaint received 2017-09-09
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. (OR)

My information was breached as a part of the Equifax hack. Equifax did not get in touch with me to let me know that my information had become public, and when I went to their website to determine if I had been a victim it simply said " ... we believe that your personal information may have been impacted ... '' It did not explicitly state that my information had been made public, nor did it provide me with instructions for how to protect myself. 

I have set up a fraud alert and will be monitoring all of my credit cards to make sure that my identity is not stolen. If I become a victim of identity theft I will set up a credit security freeze.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (CT)

I am writing in reference to Chase bank. They called me a few years ago back in XX/XX/XXXX, stating I owe them for a credit card that was not in collections. I informed them I never had a credit card with them or any credit cards that I have not paid. I requested a copy of the contract and the bill of transaction, additionally I requested an investigation of fraud be opened. I hired a company last year to help me restore my credit. We have sent several letters for the past year requesting they remove this from my file because its not my account. XX/XX/XXXX, I spoke to XXXX XXXX from the investigation department stating that they are claiming this debt " valid ''. I requested again a copy of the contract and the bill of the purchases. I was driving and informed XXXX XXXX to please send me her contact information. XXXX XXXX stated she would enclose this with a copy of the contract. Saturday, XX/XX/XXXX, I received XXXX letter in a chase envelope, it was a copy of the contract, but no letter from Chase with XXXX contact information. This application appears to be fraudulent, several things are incorrect such as, spelling of my name, my date of birth, no property zip code, incorrect annual household income which states " XXXX '', no length of employment, incorrect mother 's maiden name, no email address, incorrect employer information, and printed incorrect name for a signature. We have tried to get them to remove this information for years. This negative rating has affected me by increased insurance premiums, higher credit card interest rates, denial of opportunities, credit, loans, and programs. I am requesting they immediately correct this information and also restitution be paid for this experience for the past several years. Thanks XXXX
Consumer complaint received 2017-09-09
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. (MN)

In XXXX, Equifax allowed external hackers access to my credit, Social Security, income, and financial history. Their executives made a few million on selling Equifax stock a few days after they learned of the system inflitration but they did not inform the public until after their stock sale. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  When I used the Equifax tool to verify my information had been stolen, it confirmed that my information was part of the hundreds of thousands of consumers whose data was stolen.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (NJ)

My Loan was originally with XXXX XXXX and in deferment, XXXX XXXX stated I defaulted on the loan and sold it out. Now the loan is in Nelnets hands and I have seen the principal go up and up after paying every month going at this rate I will be died and still paying the loan. The education I received for this loan was not even worth it. Wish I could go back 13 years and change this.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO. (CA)

This card issuer is reporting that I had an account with them over seven years ago, that it long ago sold off the debt, that it has no information on the account. Then I wrote the creditor a letter asking for proof of what they were reporting and nothing was provided. Then I disputed the debt with all XXXX credit reporting agencies to whom the card issuer reports and the card issuer stated that the information was reporting correctly. The creditor did not even mark the debt as 'disputed ' as required by the FCRA . It is a violation of California 's Rosenthal Act to verify something as correct as appearing in the credit bureaus unless the creditor has some documentation to back up what it is reporting.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I recently saw an article about the Consumer Financial Protection Bureau in XXXX. It brought to mind something that has been bothering me a very long time. I 'm guessing there might be some statute of limitations issues or something, but I thought I would pass it on just in case there might be something I could still do about it. 

Several years ago I got a XXXX envelope from Washington Mutual Bank, the lending institution that held my primary mortgage at the time. According to the letter inside, the bank wanted to reward me for being a loyal customer by lowering my interest rate by a quarter percent. I called the number that was referenced and asked what the catch was. I was told there is no catch and there would be no cost or appraisal involved. They said they would send someone over to our house to sign the paperwork and that 's all there was to it. I asked why they were doing this and they simply said that they appreciate their good customers that paid on time and they wanted to offer this in return. 

What the bank DID N'T mention was that the government had just initiated the HARP program. It was new and had not yet been widely advertised so I was n't aware of it. I only found out after I had renegotiated my loan that 1 ) I could have likely gotten a MUCH better interest rate, and 2 ) after obtaining this " gift '' of a new loan, I no longer qualified for HARP. 

Again, I know a lot of time has passed, but I have never stopped being angry at this underhanded, deceptive scheme by Washington Mutual to trick me into this. If there 's anything that can be done at this point, I would be very happy to cooperate in any way necessary.