davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
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: Pinnacle Credit Services, LLC (WI)

This complaint is about XXXX XXXX selling my debt to Pinnacle Services LLC continuously. XXXX has been removed from my Credit reports onXX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Ive disputed this many times asking for validation of this debt and XXXX fails to do so which has resulted in their removal from my credit report, numerous times. Each time this company reports as a debt, my credit score is effected. Not only is my credit score in  jeopardy but so is my financial history. If XXXX can not validate this debt properly, why are they continuously placing this debt on my credit! My credit has taken a deep hit because of all of these reinsertions.
Consumer complaint received 2018-03-19
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. (IL)

I OBTAINED A COPY OF MY REPORT AND IT CONTAINED MULTIPLE BANKRUPTCY FILINGS THAT ARE NOT MINE. I FILED A DISPUTE AND THE CASES REMAINED AS VERIFIED. I WAS INFORMED THAT THE CASES WERE VERIFIED WITH XXXX XXXX. THE REGULATIONS REQUIRE THAT THE REPORTING AGENCY VEIRFY THE INFORMATION DIRECTLY WITH THE COURTS AND NOT A THIRD PARTY FURNISHER OF INFORMATION. THEY HAVE FAILED TO VERIFY THE INFORMATION IN ACCORDANCE WITH THE REGULATION.
Consumer complaint received 2018-03-19
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: M.L. Zager P.C. (NJ)

i sent a request for validation multiple times and i keep on getting the same thing over and over again on of the things i requested was " On XX/XX/2018, two documents were sent to me. The first document did not have the validation of debt listed. The only thing that was listed was responsible party, address, balance and a file number ( is what is called " verification '' not " validation '' ) The second document that was sent was addressed to the WRONG person. It should have been addressed to the responsible party. My insurance was billed incorrectly and before making any payment towards a debt I want to make sure that the bill was properly processed through my insurance carrier '' and what did i get back the same thing over and over again i will attach it is an invoice with there companies name i could of done the same thing write my companies name and send them in invoice how does that proof anything and plus i requested a lot of other information and they didn't bother verifying that at all.
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I submitted information to register with a loan repayment plan as soon as my loans came due and it was clear I would not be able to make the standard payment. I filled out the forms and submitted my tax information electronically through the federal government website on XX/XX/XXXX. I was informed on XX/XX/XXXX that my information was received by Navient. I called Navient around XX/XX/XXXX to check on the status of my payment plan application and was told it was being processed that it was currently taking 3 weeks and it would be processed by XX/XX/XXXX in time for my first payment. ( It is not easy or intuitive to find ANY contact information on the Navient website ) I called again on XX/XX/XXXXbecause I could not determine if the payment plan had been processed and it is extremely difficult to make the full payment this month. I was informed that not only had they already begun to charge my account 3 days ahead of the due date and could not stop the charge but that they had also not begun to review the application. The only option I would have would be to issue a stop payment through my bank and go into forbearance and be charged all the compounding interest. They further informed me that there was a technical glitch in their system that resulted in them not being able to view or process applications from anyone who submitted one during this time and there is nothing they can do about it. I was not informed of any issue like this when calling on the XXXX   and when I was assured my application would be processed by the XXXX. I find it unacceptable that an error on their end resulted in such a substantial delay in the processing of my application and that I was never informed of this glitch in a timely manner that would allow me to make other payment arrangements.

As a result of this payment plan being delayed I expect I will be charged an extra $ 900- {$1000.00} over the course of my loan.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including Experian, XXXX, and XXXX  ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX  Card XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (CA)

The Navy Federal Credit Union ( NFCU ) has implied several times that, " when customer ( XXXX XXXX XXXX ) transferred his ( protected funds ) from his checking to his savings, those funds lost federal XXXX protected status, '' however, manager 's at the NFCU, XXXX Branch, XXXX, California state that, " customers checking and savings accounts are tied to each other and ARE the SAME. '' The NFCU continues its delusional behavior on their statement of denials on case numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. They have failed to produce credible federal laws that over-ride the following federal XXXX exemption laws.

( 1 ) Americans with Disabilities Act.

( 2 ) Public Law 111-275 Veterans Disability Protection Act ( VDPA ) of 2010.

( 3 ) Title 38, Section 5301 ( a ) ( 1 ), Veterans Benefits ( 4 ) 31 CFR 212.6 Rules and procedures to protect benefits.

Sincerely, XXXX XXXX XXXX  XXXX Veteran Copies to : The Department of Veterans Affairs The Office of Congressman XXXX XXXX
Consumer complaint received 2018-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

So this is my third and final attempt at reaching a resolution with Wells Fargo, As stated in my previous dispute with Wells Fargo Bank. I contacted Wells Fargo a few times about this same issue. So almost a year ago i experienced identity theft when my wallet was stolen. I had not known at that time that there was a checking account opened in my name by Wells Fargo. I just now have attempted to open a checking account. After speaking to one of the nice kind bankers over there she transferred me to Loss prevention, after trying to open an account after being told from the banker that i am not able to open an account due to banking history with Wells Fargo. When i further asked why and explained to the phone banker that i have never opened an account with Wells Fargo. She sent me to loss prevention. Loss prevention said my accounts were closed, i advised them that i have never opened an account with Wells Fargo in my life, and that i just now have been trying as of this week. The loss prevention rep said that my accounts were closed due to me being a risk to the bank. We got into further detail and i told the Loss prevention person, that is a mistake because i have never opened an account with Wells Fargo. The loss prevention person then transferred me to identity theft operations. Yet it appears these accounts are still listed under my name, even though i was told from the Phone banker these were opened online. When we discussed that i didn't open these she stated to file identity theft, which i have already done so with the FTC. i want to be able to eventually bank with Wells Fargo but it appears someone has tarnished my name with them by opening an account and using it fraudulently. Which i was not aware of until just recently. I am attaching XXXX as well as my IDTheftReport and the response from Wells Fargo as of last time. 

Wells Fargo advises they are researching this issue, yet they are still reporting information to XXXX XXXX Services stating that i had opened these accounts and the accounts were " Closed for a Cause ''. First of all i never opened the Checking Nor Savings Account, Nor Credit Card. As i have mentioned numerous times to Wells Fargo, I tried speaking with Online Fraud which told me they couldn't help me that i needed to come in Branch. Going into a Wells Fargo branch does me no good as i haven't ever banked there before, and Wells Fargo is internally reporting me as a risk to the bank yet i never opened these Checking, Savings and now i am learning an investment account was opened which i also did not do. My Email was hacked. My Identity was stolen, and these accounts were opened as a result. They also previously forwarded my mail and stole my Email these crooks. I had to have the USPS help me get my mail again. Wells Fargo hasn't even reached out to me with any information. They did not provide resolution and continue to report internally false information.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Henriques (CA)

I continue to receive letters from a Debt collection Law firm called Hunt & Henriques, Attorneys at Law, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. Hunt & Henriques have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired XXXX  XXXX with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into Hunt & Henriques, Attorneys at Law.
Consumer complaint received 2018-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NV)

I have always paid my XXXX Citibank card in full. A Citibank representative told me that if I dont pay in full, that I would only be charged interest on the remaining monthly balance for the number of days left in the month. My due date is the XX/XX/XXXX. On the XX/XX/XXXX, I paid the remaining {$100.00} on my 2000+ monthly balance. Citibank charged me interest on the full balance. They reversed it after I called, but said that I will be charged interest on {$4500.00} for the month of May EVEN IF I pay the balance in full by the XX/XX/XXXX because I have to pay in full for two months in order to not be charge interest. So, because of a mere {$100.00} left on my XX/XX/XXXX bill, they want to charge me interest on 2000+ for one month and +4500 for the next month. This is excessive and o my Benefits Citibank. Moreover, my billing cycle doesnt end until the XX/XX/XXXX.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.
Consumer complaint received 2018-04-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (WI)

GM financial refuses to release our lien. On XX/XX/XXXX, I sent proof of the cleared check and copies of my bank statement to GM. I was assured our lien would be electronically released XX/XX/XXXX. My husband went to the DMV XX/XX/XXXX, they stated the lien had not been released. My husband 's contacted GM and they stated our payoff was reversed. We supplied for the second time, that the check had cleared our bank and provided statements for a second time. They stated that they received notification from my bank saying the check was not good. I work at the bank. I have proof the check was endorsed by thier institution, processed through thier bank and cleared my financial as PAID on the XX/XX/XXXX. We contacted GM again on XX/XX/XXXX and they refuse to provide answers because they don't make the decisions in " this department '' we have talked to a dozen people since Thursday XX/XX/XXXX trying to figure everything out. The automated system says our loan is paid in full and the title was released on XX/XX/XXXX however they will not tell us why they are refusing to release the lien. We have provided PROOF 3 days in a row that the check is paid. We have contacted the company, and are just short of filing legal action against the company if this does not get resolved. Attached is proof for the 4th time that the check had cleared and my bank statement showing the transaction for the withdrawal of said check.
Consumer complaint received 2018-04-21
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. (NY)

On several occasions, once successful, I have tried contacting Equifax about my credit score. My score was over 700+ and took a serious dive when false information was reported. I immediately after filed a dispute, and the information was removed. However, my score never recovered the score it had at the time prior to its decline. The low score remained.

Another issue is whenever my score climbs a little, then it drops significantly again, all while my usage, and non late payment stay intact. My score is constantly pushed down to the 600 level. Is this based on race, socioeconomic status or something else? I'm not sure.

My credit utilization remain under 4 %, never over 35 % and no late payments for the past year+. I was told that other factors contribute to my declining score, but they failed to show what those factors are. I have not moved in past 13 years and my student loans are current, I make timely payments and keep my usage low. What other factors could influence keeping my score below a 700 level? I understand that credit don't just jump, but how do you explain my score rising over 700 and continue to fluctuate when I have managed maintaining a great credit profile.

I have tried submitting a dispute online, but is never able to due to being rerouted to paying a fee for services. I did pay a fee once after told I had to look purchase my credit score to address inaccuracies. They still have not fix the problem. What can I do? I am all out of options and don't know if I can pursue this legally.
Consumer complaint received 2018-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am writing this letter to dispute ( 2 ) TWO unauthorized charges in the amount of {$4200.00} on my account. These two charges that appear twice on my statement begin XX/XX/XXXX from a merchant by the name of XXXX Washington DC and extend to XX/XX/XXXX from the same merchant totaling {$8400.00}. I have been ill and have been negligent in checking my statements. I was unaware of my rights and have been paying on this credit card for the past year. I originally called to file a dispute on XX/XX/XXXX but was placed on an extensive hold and given a number that was disconnected. I am including documentation to supplement my claim. Because I have been ill and in and out of the hospital, I recently discovered that my line of credit on this card has severely been misused. As stated, I was not aware of what steps I could take, give the time frame but a fellow Capital One customer told me that I can write a dispute letter. 
I am requesting that the error on my account be investigated and corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed is a copy of the disputed charges supporting my position. Please correct the billing error as soon as possible.
Consumer complaint received 2024-08-05
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. (TX)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an accounts opening date on my credit report with XXXX Credit Bureaus. The incorrect accounts opening date has resulted in inaccurate reporting that has negatively impacted my XXXX XXXX. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. I believe that a prompt correction of this late-open accounts are essentials to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported accounts opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the accounts immediately : XXXX MORTGAGE XXXX Balance : {$380000.00} ; XXXX XXXX XXXX XXXX Balance : {$30000.00}.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

this started in 2001 and was reported as identity fraud and i had a new social secuerity card. ive been trying for years to get this debt removed from my credit report. 
this is not mine.
Consumer complaint received 2018-03-19
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: GREAT LAKES (WI)

this started in 2001 and was reported as identity fraud and i had a new social secuerity card. ive been trying for years to get this debt removed from my credit report. 
this is not mine.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

this loan was opened up in 2001 due to identity theft. 
ive been trying ; for years to ge this off my credit report. 
and reported it to social security administation since i lost my social security card. 
this account is not mine
Consumer complaint received 2018-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (PA)

Arvest Central Mortgage continues to claim that I owe them money AFTER they unjustly adjusted our escrow account. On XX/XX/2018 they claimed to have adjusted all records yet they are seeking more money I do not owe. I'm afraid they will hit my credit again. They continue to call claiming that I've shorted my payment nearing on harrassment.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (SC)

On XX/XX/XXXX, I received a letter from COMMONWEALTH FINANCIAL SYSTEMS, INC. regarding account XXXX. I reached out to them for debt verification, thus I was sent this letter, but on the letter it shows the original creditor name ( XXXX XXXX XXXX ) and a service date of XX/XX/XXXX. However, on my credit report, the date open says XX/XX/XXXX. Naturally, i call them to figure out the issue. A case manager continuously insists that the date on the actual report is the date THEY { CFCI } received the account from ANOTHER collection agency, but even if they had, that would not cause the " date opened '' on my report to change. The more we spoke, the more she insisted everything was correct. After more pressing, she tell me the drop off day for the debt is XXXX, so if that is in fact the case, how is the date open XX/XX/XXXX? 

I would like this account REMOVED FROM MY CREDIT REPORT immediately.