davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Delinquent account — 
Company: Bread Financial Holdings, Inc. (TX)

This company is using I guess a dialing system they are calling from all different kind of numbers and its practice is going against FDCPA rules. I have been called from XXXX XX/XX/XXXX 8 times in 1 day some of them are back to back as of right now filling this form out at XXXX cst no telling how many more I will get till XXXX. XX/XX/XXXX 10 times in one day. XX/XX/XXXX 5 time in one day. XX/XX/XXXX 7 times in one day. XX/XX/XXXX 11 times in another day. XX/XX/XXXX 5 times in one day. I also have a log for a message for XXXX nothing is said. I have them all on my cell phone log for records. I am also begin called from XXXX nothing too bad with this number no more than 4 times. XXXX 9 times in one day. 6 times in one day. 5 times in one day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. XXXX nothing more than 2 times a day. This is harassment in the highest level.I feel this company ca n't call you repeatedly or continuously to harass, abuse, or annoy me.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XXXX XXXX, 2016, I checked my credit on XXXX XXXX and had a total of XXXX hard Inquiries removed from my report. I checked my account on XXXX XXXX, 2016 and all XXXX Hard Inquiries were placed back on my report without sending me a reinsertion letter as required by FCRA section 611. I have been calling Transunion ever since and have received no help. When I ask to be transferred to an American representative, no one will transfer me. Several agents have been belligerent, that they know what happened, but it 's basically too bad and I should simply file a complaint because they will not fix it.
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AK)

Portfolio Recovery Service Inc. LLCcontacted my wife who is not the main person that owes the debt and divulged to her that I had an outstanding cell phone bill that needed to be resolved. 
Attempted to collect debts that are well beyond the relevant statute of limitations. 
Refused to provide proof of the debt when requested to do so, and continuing collection efforts
Consumer complaint received 2015-08-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (IL)

Student loan with Wells Fargo constantly calling me from different numbers to collect since at least XXXX 2015. They also constantly call and harass my cosigner, and now they 've called my boss 's PERSONAL cell number. I do n't know how they even got that number! I called them today and told them to immediately remove my boss 's personal cell number from their call list, to which they say they will comply. If Wells Fargo does n't call my cosigner and I every day, they call at least every other day, sometimes multiple times a day. They also call after XXXX CT. Only number that comes up in reverse lookup is XXXX. Other numbers they 've called from are private and not listed but include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2016-04-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Western-Shamrock Corporation (AL)

MY NAME IS XXXX XXXX I LIVE IN XXXX XXXX AL, MY WIFE XXXX XXXX WHOM USE TO WORK FOR WESTERN FINANCE BUT NO LONGER WORKING FOR THEM BECAUSE SHE WROTE A STATEMENT AGAINST WESTERN FINANCE IN DEALING WITH A DISCRIMINATION LAW SUIT DEALING WITH XXXX. XXXX XXXX HER SUPERVISOR AT THE TIME OPENED ME A LOAN IN THE XXXX OFFICE OF WESTERN FINANCE, I MADE PAYMENTS ON TIME AS WELL AS TRYING TO IMPROVE MY CREDIT SCORE. I RECENTLY PAID WESTERN FINANCE OUT ON A GOOD NOTE, I NOTICED MY CREDIT DROPPED AND THE BRANCH MANAGER AT THE XXXX XXXX STORE HAD BEEN CALLING ME ASKING ME IF I WANTED TO REOPEN MY LOAN, TODAY I TAKE UPON HER REQUEST I WOULD LIKE TO OPEN MY LOAN IN THE XXXX XXXX BRANCH AND I GET A CALL BACK LESS THAN 30 MINUTES STATING THEY COULD NOT REOPEN MY LOAN. I ASK WHY AND THE LADY BY THE NAME OF XXXX XXXX SAID SHE COULD NOT EXPLAIN THAT I WOULD RECEIVE A LETTER IN THE MAIL. THE BRANCH MANAGER IN ANOTHER OFFICE CALLED ME AND SAID IT WAS BECAUSE THE DISTRICT MANAGER I COULD NOT REOPEN MY LOAN DUE TO MY WIFE BEING THE EX MANAGER WHO MADE A STATEMENT IN THE DISCRIMINATION CASE AGAINST WESTERN FINANCE. WHY WOULD THEY CALL AND ASK ME TO OPEN MY LOAN AND DENY ME BECAUSE OF MY WIFE? I HAVE SUPPORTING DOCUMENTS THAT STATES THE REASON FOR MY TURN DOWN IS BECAUSE OF THE DISTRICT MANAGER NOT BASED ON MY CREDIT HISTORY. IT IS BEYOND ME A COMPANY WILL ALLOW ANYONE TO DETERMINE THE COLOR, XXXX, MARTIAL STATUS OF THE REASON FOR THE TURNDOWN. IT BAFFLES ME AND I KNOW THIS AGAINST POLICY. I HAVE CONTACTED THEIR HOME OFFICE AND THEY TRANSFERRED MY CALL TO AN EXTENSION BY THE NAME OF XXXX XXXX WHOM I LEFT A VOICEMAIL ON. THIS IS AGAINST THE LAW AND IT SHOULD BE BROUGHT TO THE ATTENTION OF EVERYONE.
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

I had my loans consolidated in XX/XX/XXXXwith XXXX when my son graduated college. I also enrolled in a 10 year Debt Forgiveness program because I was XXXX. After 2 years, I was nearing retirement age, but figured I had another 8 years to work because of the loan. At that time I owed roughly XXXX. While talking to a couple of XXXX representatives at two different times, they assured me that my payment would reflect my retirement benefits income which was significant less than what I was making. I was excited because that would afford me the opportunity to retire when I wanted to. Right before I retired, I called them one more time to make sure this was a possibility and I was told it was by another representative, so I pulled the trigger and retired. I sent in the appropriate paperwork to XXXX for an IRB. @ weeks later I received the amount I was supposed to pay each month, and it was significantly higher than what I had been paying. I was sick XXXX. I contacted them and they said I was not eligible for such a program because I had Parent Plus Loans. I retired XX/XX/XXXX and have not been able to make the payment but only a hand full of times. Navient talked me into a forbearance, not realizing and them not telling me that the interest would accrue, my loan is now XXXX. I have been misled so many time by these folks that there is no way I can ever pay off his loan and I struggle every month and it has me XXXX to the max. I pay my debts and always have, but I can not afford to pay this XXXX because of several XXXX/Navient misrepresentations. I tried to work with these folks many times on the phone, but they always mislead me and send me paperwork that actually raises my debt monthly payment. Can you please help me, I want to be able to enjoy my retirement for a change. I spent 33 years as a XXXX. Thank you, XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

This is really insulting, my right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what is being reported on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my XXXX XXXX and impacting my life negatively.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2016-04-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (DE)

A company named Mid-West Recovery Systems LLC/XXXX which ever name has put collection account on my credit reports that I have no knowledge of the debt. Never have been contacted at all regarding such debt. How they received my name is unclear. I was told the company is a scam they but paid or closed accounts trying to collect on old debit from pay-day loans. If I opened up something in 2012 it would have been paid by now. No-one has contacted me at all but puts something on my credit report three weeks ago without notifying me of such.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIRSTBANK PUERTO RICO (PR)

I contacted initially via email, then via phone 1FirstMortgage Puerto Rico then submitted all documentation asked for in reference to refinancing home under HARP, after receiving acknowledgement and credit info from them via mail have not received further info nor answers via email to finalizing refinance via HARP.
Consumer complaint received 2017-02-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (OK)

JH Portfolio Debt Equity is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. XXXX XXXX refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. JH Portfolio has issued trades lines on my credit bureau listing.
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: Experian Information Solutions Inc. (TX)

The presence of these inquiries and accounts on my credit report violates XXXX ( b ) ( XXXX ) - ( XXXX ) and XXXX ( b ) ( XXXX ) which goes against thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
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. (AL)

I am writing to formally express my concern regarding the inaccuracies on my credit report, which I have disputed multiple times without resolution. Despite my repeated efforts to bring these erroneous accounts to your attention, they continue to remain uncorrected, causing significant harm to my credit profile. 

These inaccuracies are not only negatively impacting my creditworthiness but are also hindering my ability to maintain a normal financial life. As a result, I have experienced immense hardships, including [ briefly mention how this has affected you, if applicable, e.g., being denied loans, housing difficulties, etc. ]. 

I respectfully request that you conduct a thorough investigation into the reporting of each of these disputed accounts and take the necessary corrective actions without further delay. It is imperative that my credit report is updated to reflect accurate information to restore the integrity of my financial standing. 

Your prompt cooperation in resolving this issue is crucial, and I sincerely appreciate your immediate attention to this matter. Please acknowledge receipt of this letter and confirm that steps are being taken to investigate and resolve the disputed accounts. 

Thank you in advance for your understanding and support.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

I called the credit bureau, Experian to dispute a hard inquiry made today on XX/XX/year>. 
They refused to allow me to make the dispute from XXXX XXXX XXXX XXXX XXXX XXXXI would of made the dispute online but they don't allow hard inquirie disputes via on-line and it must be done over the phone.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NY)

My bank periodically does not allow me to log in to my account, and at times it takes up to 3 months before they are able to fix the problem. This lack of access to my account does not allow me to access information or make any transactions other than use my ATM card. I never had this problem under my old bank. It only started when that bank was taken over. From what I have been reading, the present bank has fraudulently been using some of their customers ' money to open unauthorized accounts. I have been told that I can make a wire transfer of funds, but that would cost me {$40.00}, which I would not have to pay if I had access to my online account. This appears like a way for the bank to charge me an unnecessary fee.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, the borrower submitted a modification application to Wells Fargo Home Mortgage ( " Wells Fargo '' ). At Wells Fargo 's request, the borrower submitted additional documentation on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Wells Fargo issued a letter in which it stated that it had approved the borrower for a trial payment plan. In this letter, Wells Fargo also stated that the " terms will be provided in a future communication. '' To date, Wells Fargo has not provided a written description of the terms of the trial modification, and has failed to provide even the amount of the monthly trial payments and the start date of these trial payments.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

My mother has been making payments under the Rate Deduction Program for 96 % principal and 4 % interest from XX/XX/XXXX- XX/XX/XXXX with Navient and I just recently received a statement in the mail for past payments and the rate reduction program was not applied to ANY of the payments made from my student loan for ANY year and for the first three years of interest only payments XX/XX/XXXX-XX/XX/XXXX. Recently, I also spoke to someone by the name of " XXXX '' and she verbally told me that I was not able to apply my payments the way I wish, that I was to pay off all the interest first before I could see any of the principal being payed off. I 've attached some documents of the past payments from XX/XX/XXXX to XX/XX/XXXX and someone by the name of XXXX XXXX that set up the Rate Reduction Program for the years XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX years ( however, it was set up for XX/XX/XXXX-XX/XX/XXXX ). I would like to know if I can join this lawsuit or if I need a lawyer on my own. I request some restitution for the payments on the student loan for these years and correct the previous payments made.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I contacted chase bank to report a issue with scam/fraud and that a product I received was not as I was told it would be and I wanted to dispute the transaction they misfiled the claim then denied the claim. Never investigated it never contacted me once to get any information took them XXXX  days to investigate but never during the investigation did they reach out to me then they denied it and closed it I found out they closed it submitted proof of my claim and that they filed it incorrectly to begin with submitted evidence to back up my claim and it was immediately denied again they never investigated it and they are discriminating against the consumer and are only helping the merchant scam and defraud people. They dont even try to help the consumer they only back up the merchant
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CarMax, Inc. (CO)

I.filed bankruptcy in XXXX it was XXXX in XXXX, I owe XXXX left on my car I have already paid XXXX, I called them to see if I could make reasonable payments for the last XXXX they said no I would have to pay XXXX and then I could make payments on the rest, I told them I don't have that kind of money. They want to repossess my car after I have already paid XXXX on it. They will not work with me.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, FL XXXX XXXX, GA XXXX Experian Dispute Department XXXX, Texas XXXX XXXX, PA XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX ( Experian ), XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, FL XXXX
Consumer complaint received 2016-04-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

XXXX MORTGAGE. XXXX equity LINE OF CREDIT. XXXX On XXXX 2014 Lender. increase the monthly payment. SO THEY CREATED A HEAVY HARDSHIP I HAVE EXPEND 18 months. ( one year and a half ) dealing with many different Departments, Lender change Officers that request document every 2/3 months with no result, MORTGAGE MODIFICATION. GOVERNMENT PROGRAM mortgage modification Government Program
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$2300.00} MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX ) XXXX {$810.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with MIDLAND CREDIT MANAGEMENT. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, MIDLAND CREDIT MANAGEMENT has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (OH)

Wells Fargo is requiring me to use XXXX XXXX to do a valuation on my house to remove PMI. I can not find this requirement in my mortgage documents. It is a requirement listed in a letter they sent to me on XXXX XXXX, XXXX. My mortgage originated in XXXX/XXXX/XXXX. Are they legally allowed to do force me to use a specific appraiser after the fact? Additionally, XXXX XXXX charges {$550.00} for a single family property. The highest rated appaiser on angieslist.com quoted me {$270.00} for my specific single family home.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (CA)

Greetings, today I received my statement from Barclsycard and noticed how high my interest rate is. I 've been paying on this credit card fir a white, without any other purchases. 
Yet the amount owning is not going down, so I spoke to a manager named XXXX who could n't answer my question as to why they could n't lower my interest rate. XXXX then transferred me to XXXX supervisor who basically gave he the same bull. They gave my interest rate at 22.4 %. Which I find outrageous. They make it impossible for consumers to pay off the debt by keeping the interest rate high. When asked why they could n't lower my interest rate? I was told they could explain why. I 'm requesting that Barclaycard lower my interest rate immediately. I have been a great customer to barclaycard, I have never been Late on my payment. I was told by the sales agent when I applied for the credit card that my interest rate would be 10 % because of my great credit score. I found out later that was a Lie. I 'm requesting that Barclaycard lower my interest rate, so I can get this credit card paid off. The account number ending in XXXX.