davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo has refused to file CRA history to my records as co-mortgage holder after a bankruptcy discharge in 2007 and a signed reaffirmation agreement with original deed holder. We have tried for several months using USPS certified mail, email, phone and attorney conversation to have this issue corrected. This has affected our refinancing of our property and my ability to obtain credit from other creditors.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im asking for your help with the incorrect account listed on my credit report. This has affected my reputation, and I require your assistance. Due to your mishandling of the situation, my credit report has caused significant damage to my standing. You must eliminate the incorrect information from my report
Consumer complaint received 2018-02-28
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. (NY)

Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.
Consumer complaint received 2018-02-28
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)

Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint.
Consumer complaint received 2018-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

I submitted a request for Income Based Repayment early in XX/XX/XXXX. Navient received the information on XX/XX/XXXX, per a phone call with Navient on XX/XX/XXXX, approx. XXXX XXXX. I received an email from Navient, with an authorized Navient sender, on XX/XX/XXXX, stating that my request had been approved and I would receive information on the amount of my reduced payment. I still have that email in my box. However, in the call on XX/XX/XXXX,  representative stated that there was no record of that email, and stated that my request had not been fully processed, even though they do have all the information they required ( rep stated this as well ).  They had also already started payment, scheduled for XX/XX/XXXX, on XX/XX/XXXX, per representative. They are authorizing payment on active IBR requests 5 days prior to the due date. They are also issuing false emails saying IBR requests have been approved with no record of that statement.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

My XXXX XXXX was rejected on XX/XX/XXXX. I tried to log onto my account but access was denied. I called a phone number that was provided and they indicated that the account was locked for suspicious activity but could not tell me any details. The asked for the last four of my SS, my home phone number, my cell phone, my wife 's cell phone, my email, my wife 's email. After getting all of this additional information, which I did not want to provide, they said it was not adequate for them to authenticate who I was. They said they would send documents in the mail that I would have to complete. I called back on XX/XX/XXXX to tell them that I never received the documents and they told me to give it a few more days. I called back today XX/XX/XXXX and they said that they did not send out any documents and that I would have to send them a copy of my utility bill and a copy of a picture ID. I told them I am not comfortable providing this information and they told me there was nothing they could do without this information. 

I am concerned that the personal information that I have already provided will not be adequately safeguarded. 

I talked to someone in customer service who said they would mail me a detail account of what is due so that I could pay it. I am concerned that this will not actually be mailed given my experience so far. I do not want to be in the position of having to pay the balance due on XX/XX/XXXX without seeing details for that balance.
Consumer complaint received 2018-01-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation (GA)

As a XXXX and mother of XXXX I continued to say i coildnt pay anymore n they kust kept aggressively refinancing me. They called me my friends my job. Even my XXXX messages were them.
Consumer complaint received 2018-02-27
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. (CA)

I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both Equifax and XXXX  refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

To Whom It May Concern, This letter serves as my formal complaint against the abusive debt collection practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
During the days of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act. 
Repetitious Phone calls telephone records list 25 calls in the said time frame Harassment/Intimidation- I explained my current situation ( I have been diagnosed XXXX and am in the benefits appeal process ) and that i intended to pay despite this to representative  during recorded phone conversation on XXXX XXXX and Representative ( XXXX ) continued to harass and intimidate me into making a payment stating to me : what form of payment would you like to make debit or check? I assume you intended to pay when you made the purchase you will continue to receive calls until payment is made so you dont want my help today I assume you do have a financial source people have to have a financial source to survive collection efforts will continue Many people pay us off- call on friends and family, get a loan, they ask spouse to help there has to be payment on a bill Failure to notify me of my right to receive verification of debt Failure to provide me with a validation notice containing key information about the debt and the consumers rights within 5 days of initial contact, XXXX XXXX XXXX Failure to inform me that I can dispute the debt Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX XXXX XXXX XXXX ) for the address of XXXX XXXX XXXX XXXX XXXX, telephone number of XXXX and name of supervisor on XXXX/XXXX/XXXX. She did not provide the requested information to me. 
I returned call to XXXX XXXX ( XXXX representative ) on XXXX XXXX as scheduled and my call was not transferred as requested. 
I have attempted to resolve the issue. I have not submitted a formal complaint to the company, because i was not provided with contact information. 
Your attention in this matter is appreciated. 
Sincerely, XXXX XXXX cc/al Kentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for BoA XXXX XXXX credit card and got aproved on XX/XX/XXXX. I received my card in mail in the next few days and activated the card right away. I tried to use my card for an online purchase in early XXXX, however the transaction did not go through. I tried to call BoA and was told the account was not active. 

My account was closed by BOA without even a notification, not a phone call, or email or a letter.
Consumer complaint received 2024-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from XXXX has decreased by XXXX points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact XXXX in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX but still appears on XXXX and experian. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.
Consumer complaint received 2017-12-29
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)

The credit bureau is refusing to delete three collection accounts on my report that are not mine. They are all reporting under the same collection company called " XXXX XXXX XXXX '' for different amounts. The first account is for {$1100.00} with account number # XXXX and an open date of XX/XX/XXXX. The second account is for {$1400.00} with account number # XXXX and an open date of XX/XX/XXXX. The third account is for {$2500.00} with account number # XXXX and an open date of XX/XX/XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
Consumer complaint received 2017-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (CA)

Dynamic Recovery solutions spoke to me about a debt I attempted to get the representative to email me information to make payments online, she refused this was on XX/XX/XXXX at XXXX. She wanted me to give her my cc or bank # to set it up automatically I told her I can go ahead and pay myself online she got upset and said collection activity will continue and to call her back when I was ready to give my information over the phone. I received another call the same day at XXXX from my understanding if they spoke to me and I requested information in writing that should be sufficient in a day. I feel harassed and disrespected at the fact that im willing to make my own payments and they wont allow me to unless they get my bank information
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This was done over line years ago. I had no knowledge of it until the person who took out loan stopped paying and moved.They said I co-signed! I never signed anything! It appeared on our credit and we tried contacting XXXX numerous times. Also contacted XXXX, Transunion etc. to get it removed. They contact XXXX and they take XXXX word that says that we owe it and I get nothing done. This has gone on for years. I suspect that I had great credit and am related to this person was the reason it was done.
Consumer complaint received 2017-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

While checking my personal credit report, which I acquired I notice an inquiry made by the below organizations on the listed dates. 

Since I have not, to the best of my knowledge, authorized anyone employed by those organizations to make an inquiry, they are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. 

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. 

Credit Inquiries XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXXXXXX Indirect We Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX A Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX, XXXX A Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX from XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (AZ)

I am a victim of identity theft. Someone stole my personal information and identity to open up a XXXX XXXX store credit card account through Wells Fargo Financial National Bank fraudulently and unauthorized. Someone had a Minnesota drivers license in my name with my picture on the drivers license and a date of birth of XX/XX/XXXX. My date of birth isXX/XX/XXXX Furthermore, I was incarcerated fromXX/XX/XXXXuntil XX/XX/XXXX. I was released from prison on XX/XX/XXXX so theres no way I opened up the account. Review the attached documents submitted with this complaint. The XXXX credit card account is fraudulent, and dont belong to me.
Consumer complaint received 2017-12-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (CA)

I called to schedule a payment for XXXX XXXX XXXX as well as to schedule a payment on apast due balance. Lady worker said they where busy and would call back. I never received a call instead I checked my bank account and 4 chargers where placed on my bank account. Previously, company ACH my bank due to a payment I apparently was behind. I had paid off the balance and them as workers did not set the money towards the payments as per the manager. She then stated I should refinance which would eliminate the problem. I didnt know that I had to reborrow and pay more interest just to fix there issues. They stated I would get a refund and till then have never got it. They keep saying the district manager is  working on it but I never here anything.
Consumer complaint received 2017-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I deposited a stipend check from the University XXXX XXXX via Bank of America ATM in the amount of {$2100.00} on XXXX XXXX, XXXX at around XXXX pm pacific time zone. After finishing my transaction, I was notified that the funds would not be available to me until XXXX XXXX, XXXX at XXXX am central time zone. I spoke to a bank teller and a customer service specialist on the phone and they would not release the hold on these funds. I normally receive this exact amount of money, for about 2 years straight, each month via direct electronic deposit from the University. I had to deposit a check this month because the accounting department had been delayed in issuing the electronic deposits this month and I wanted to have money in my account on the first of the month.
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

filed a bankruptcy XX/XX/XXXX 2016 ReAffirmed 2 mortgages XXXX XXXX XXXX and Experian- Missing Payment history- previous payment history from my credit profile from both XXXX XXXX and XXXX XXXX have been removed. 
No current reporting for payments- XXXX and XXXX XXXX refuse to report all payments made from date of reaffirmation which is XX/XX/XXXX2016 to present All Previous on time payment histories from items included in bankruptcy have been removed XXXX and XXXX XXXX balances not accurate