davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-22
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. (FL)

XXXX   XXXX .  XXXX   XXXX ,  XXXX , CA  XXXX   XXXX   XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  Equifax  XXXX .   XXXX    XXXX ,  XXXX , GA  XXXX  Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.    XXXX   XXXX   XXXX   XXXX   XXXX  The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA  605B ( b ), 15  U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and  62  3 ( a ) ( 6 ) Under section 605B  of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA  ( f urnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.   Sincerely,  XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   fl  XXXX
Consumer complaint received 2017-06-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC (VA)

On Friday XXXX XXXX, 2017 I received a call from XXXX at XXXX on my cell phone. When I answered the call an agent asked to speak with me and I responded " speaking ''. The agent then went on to state my address and and said she had some documents in from of her and asked if I had received documents from National Credit Adjusters. The agent failed to state the Mini Miranda before asking me questions.
Consumer complaint received 2017-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I XXXX XXXX appreciate everything Wells Fargo has done for me, especially helping me re-establish a new trade line for my mortgage modification. My complaint will show that my original mortgage was procured with Wells Fargo Home Mortgage back in XX/XX/XXXX. The loan was taken over by their servicing company known as XXXX XXXX XXXX. The old mortgage is reporting on XXXX  under Wells Fargo Home Mortgage, and under XXXX XXXX XXXX with XXXX and XXXX XXXX. It makes no difference to me how it is reported as the time for its removal is upon us. All bureaus show a cut off of at least five years payment history. I believe that my original mortgage was late as far back as XXXX. In any event, the time has expired in my opinion, even though at the very latest this original mortgage would come off XX/XX/XXXX based upon both servicers showing XX/XX/XXXX as an original default date. The 7-year timeline under the Fair Credit Reporting Act applies and therefore both servicers have an obligation to remove the old account mortgage permanently.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

Navient pr eviously allowed borrowers to apply over-payments directly to specific loans. Their new website requires me to email them each month with specific directions on how to apply the over-payment. If the company was sincerely interested in helping students repay loans in the most fiscally responsible manner, they would not make the correct process so cumbersome. I have contacted them multiple times over the last few years about this issue. Their most recent response - " Unfortunately, we are unable to predetermine how future payments will be applied to an account. If you want extra amounts from your payments applied to a specific loan, you will need to send an email request after each payment has posted to your account. ''
Consumer complaint received 2017-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied on  XXXX   XXXX  for the   XXXX   XXXX   credit card which the sponsor is Bank of America. At the time of the application, m y credit score r eturned as  XXXX , my debt to income ratio was under 30 % and my annual income is more than  XXXX . This credit card offers a range  of APR betwe en 12.99 % to 19.99 %. The result of my application was a line of credit of  XXXX  and a high-interest rate of 19 % . First of all   we are talking about a credit card with incentives for travel, therefore, if I would like to travel to  XXXX  and I would like to buy more than  XXXX  tickets it would be almost impossible because my credit limit, also if we consider that this offer does n't have an introductory 0 % off APR and m y credit score is clos er to the category of excellent, I am wondering if I am applying for a mortgage? I have been spoken 2 times with the department of credit card services from BOA and they only say that they are sorry, they can understand my frustration and they sent me a letter telling me how to build  a credit score and how I can keep a good one as  well. Please if someone needs to have a position of 1 % of the wealthy population in order to receive a fair deal from BOA and their credit cards they should let this know to the hard working people.
Consumer complaint received 2017-06-06
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: JPMORGAN CHASE & CO. (KY)

On XX/XX/XXXX was denied credit from Chase for a business credit card due to XXXX reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My Chase mortgage that was modified in 2002 is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted Chase mortgage and XXXX regarding this issue. Chase Mortgage stated that it is XXXX XXXX problem bc they are recognizing a bankruptcy and just reporting it. XXXX says its Chases problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted Chase Mortgage again and XXXX and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.
Consumer complaint received 2017-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (MA)

Company is  reporting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have (    XXXX   ) late pays on  XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.
Consumer complaint received 2017-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (LA)

I DO NOT have a signed contract with XXXX XXXX XXXX. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.
Consumer complaint received 2017-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (IN)

Written on behalf of homeowner By : HUD certified Housing  Counselor  Please find the following letter fro m M & T ba nk in regards to non-acceptance of our Authorization to Release Information. It bothers me a good deal that this was the response given. The authorization offered was signed ( e-sign compliant ) and legible as well as dated. Additionally, the homeowner submitted  an M & T branded ARI whic h did include a physical signature.     Please advise -Thanks
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX   XXXX   XXXX    XXXX    XXXX  shows me as 90 days late on a payments from  2015 . All   XXXX   credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I use an app/company called XXXX XXXX to add money by electronic deposit into my account. Bank of America does not keep the amount in my account up to date. Sometimes it goes for days without updating. For example right now on the app it is showing my account to be {$20.00}, when in fact my balance is over {$1000.00}. The app sees that the balance is only {$20.00} and it causes delays in my deposits.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MD)

I called into American Express Serve 's customer care number at XXXX because of a dispute that was credited back to my account but had not been as documented. I called in again today to see why the money had not been credited and the representative gave me the run around. After being placed on hold several times he then told me I had to add money to my account in the amount of {$1.00} for him to credit my account. After a while I heard talking and the representative hung up on me. This is my second complaint about money that was supposed to be credited tin the amount of {$2900.00} when it was stopped by myself online on X/XX/2017.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (MD)

I have disputed with the company many times about reporting my account as delinquent. I have sent in my bank statement showing on time payments for the due amount or more. The company just reported " late payments '' the credit reporting agencies from  XXXX     2015 to   XXXX     2015. The y are reportin g 9  missed payments. This reporting is incorrect and causing issues on me being able to obtain financing. I went through this with the company on another account and for this account already. Something needs to be done as I am ready to obtain counseling for this issue.     I have attached my bank statement for year    2015  showing a payment every month to  XXXX  Web Pmt Single - Online Pm t Sls
Consumer complaint received 2017-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made three mortgage payments on my home loan on XXXX XXXX at a Bank of America branch asking the teller to credit the funds as payments and not apply anything to principal. All three payments were applied to my account and my XXXX, XXXX and XXXX mortgage payments were showing as paid when I checked on line a few days later. I sent a secure message to Bank of America asking them to reapply the payment to pay the XXXX payment. They wrote back and said that they could not do that unless I hand wrote a letter and mailed it to a certain address. I then called and talked to XXXX at ext. XXXX. He said that they needed something in writing to move the payment, but the written request did not count. He said that there is nothing that he could do.
Consumer complaint received 2017-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

I received a letter from you about me enrolling in the credit protector and you charged me a monthly fee, I never enrolled in this program so I am following instructions on the letter and filing a complaint to get this money refunded to me. my ref # is  XXXX  NAME,  XXXX   XXXX
Consumer complaint received 2017-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: ALLY FINANCIAL INC. (TX)

I purchased a car and the dealership paid off the incorrect amount on XXXX 2015. I called several times requesting that they fix it and I got no response. I told the collection agency I do n't have that car anymore the dealership is responsible and each time I tried to speak to someone they would never get back to me with an answer. Several months went by resulting in a delinquent account and ruining my credit over {$260.00}. I finally gave up and paid the bill but it has made it very hard to get approved for anything.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On  XXXX / XXXX / XXXX  i made two pay ments to Capital for {$75.00}, i cancelled one  but the other went through, to my account ending in  XXXX . I was told it was reversed but i have proof  one of the two w as resolved in a screenshot / I received an  XXXX  report on  XXXX / XXXX / XXXX  stating my request to investigate this error has been received. Since the n ( 7 mo nths later ) i have had my lawyer se nd 4 to 5 lette rs asking for an answer with no resolve.     Pleas notice in the document uploaded that there a re two paymen ts on  XXXX / XXXX / XXXX  for {$75.00},  one is cancelled one is  accepted, it is the one that is accepted that i am referring to as the payment i made. Thank you
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  advised that my loan servicing was transferred  to PNC M ortgage. My notice advised that I had 15 days before having to make payments to another servicer. To put this in context, I was about to go on a 60 day trip overseas and could have completely missed this letter. The amount of time given was completely inadequate and I could have lost my home to foreclosure or at the least been charged a slew of fees and had my credit damaged. This is completely unacceptable. Given that my loan is for 30 years, nothing should move as fast as this. 3 months should be the minimum amount of notice of a transfer. Auto-draft payments should transfer, and there should me much more notifications than a simple letter in the mail that can easily be lost.     Additionally, I called the company today (  XXXX / XXXX / 17  ) and am unable to make my regular payment. They advised that my loan was " being processed '' I would not be penalized. I however, have no written guarantee or protection.
Consumer complaint received 2017-05-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I am on a  Rate Reduction Plan for my private loans through Navient. I have done everything I can to make payments ( why I got on the Rate Reduction  Plan ). I called them and we ( me and a Navient rep ) set up the plan. They were to deduct so much money on a certain day of the month. I continue to get phone calls every day because they are not pay attention to the account. I DO NOT owe any more money than what is being deducted from my accoun t 1 ti me a month. They have called me so far in the last 2 days upward of 7 times a day. I am not behind on my payments, it was taking out on the  XXXX , which is the date I wanted them taken out. This is not my fault they can not communicate between each other. I did my due diligence and called and was put on the program. This is harassment and has to STOP!
Consumer complaint received 2017-06-06
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. (KY)

On XX/XX/XXXX was denied credit from XXXX for a business credit card due to transunion reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My XXXX mortgage that was modified in XXXX is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted XXXX XXXX and Transunion regarding this issue. XXXX XXXX stated that it is transunion 's problem bc they are recognizing a bankruptcy and just reporting it. Transunion says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted XXXX XXXX again and Transunion and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.
Consumer complaint received 2017-05-22
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. (TX)

CREDIT BUREAU HAVE NOT PROPERLY INVESTIGATED NOR REMOVED FRAUDULENT ACCOUNTS OF MY FILE WHE N IM  A VICTIM OF IDENTITY THEFT
Consumer complaint received 2017-05-22
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. (TX)

I have filed numerous complaints with   XXXX   XXXX   regarding fraud on my credit report.  XXXX  has reported a charge off on a credit card that I never signed up to be a joint owner on. I requested proof or any kind of validation records showing my identity and  XXXX  has been unable to provide anything to me. They have disregarded my request and continued to report this error. I filed an ID theft report and submitted it to all   XXXX    credit reporting agencies and  XXXX  has neither answered the request, nor have they deleted the error from my report.     To my knowledge, I have done everything on my end ( including a fraud alert placement  ) to kee p myself protected. the last stated balanced amount owed is  XXXX .  XXXX  has stalled the investigation process by simply continuing to ask me to send in more information to prove my identity.  XXXX  should have my identity information if proper channels were followed to open a credit card in my name.     The credit reporting agencies only give me a standard computerized generated response. I can tell that there is not a live person looking into my complaint.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

I have a medical collection from XXXX XXXX XXXX on my Experian credit report that is unknown to me. It has only ever reported to Experian, since I discovered it. I sent an initial dispute to Experian notifying them this was not my account. Experian claimed their investigation verified the account belonged to me and if I wished to dispute the account to contact the data furnisher for additional information. I then mailed the Collection Agency ( XXXX ) a certified letter whom did not respond to my request to provide information that this medical account belonged to me. I followed up with another dispute to Experian via certified mail, notifying them that I followed their outlined procedure by requesting the information from the collection agency. In response back from Experian, they stated that the results of their investigation were updated in my file. In another attempt to further determine if this was my account I sent a certified letter to the original creditor listed and they did not accept my letter. It was returned to me. I am frustrated that this account continues to report on my report and the collection agency verifies it, but not them nor Experian has provided any information to support that it does in fact belong to me. From what I understand to report anything medically related that they would be able to provide a copy of a XXXX release showing they have the right to report this account they claim to be mine or that they have a business relationship with the original creditor, which grants them the right to disclose private medical information.