davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-13
Product: Credit card or prepaid card — Store credit 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: Army and Air Force Exchange Service (VA)

A few months after receiving the XXXX XXXX XXXX, I ended up going underway for a few months. I forgot all about this card but when I remembered I had this card, I called the number for the XXXX XXXX XXXX. They told me dont worry we dont report this on your credit report. Im like thank XXXX. Then one day I checked my credit score and I have numerous of late payments on my XXXX XXXX. I was told that they wouldnt report it and now the late payments are the only thing stopping me from being able to buy a house. They wont work with you to remove the late payments. Im a single mother in the military trying to buy a house and everyone always looks at my late payments for the XXXX XXXX because I dont have much on my credit report. Ive called numerous amounts of times to see if theres anything I could do in order for them to remove the late payments but they wont do anything or help anyone. They dont care about us.
Consumer complaint received 2018-10-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (CO)

I had a Discover card opened in XXXX, and it was closed in XXXX. I was XXXX to XXXX, and the debt was charged off. I received a Form XXXX Cancellation of Debt over 9 yrs  later added to my XXXX taxes. It was not sent in earlier years but tacked on at the last minute nor was I notified of this except from the IRS. Now it is XXXX, and I am still trying to get a letter to the IRS from Discover card that the error was on them and it should have been sent earlier. Discover card is not cooperating and I have tried to reach out to the management and have been told numerous times that they are not available.
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

i have reach out to XXXX as well as equfiax concerning the negative items effecting my credit report since i filed first on XX/XX/2018 and next on XX/XX/2018, and they have not responded and has violated the FCRA by not doing so within 30 days.
Consumer complaint received 2020-06-20
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: American Credit Acceptance, LLC (AR)

I TRIED TO BUY A CAR FROM XXXX RECENTLY, AND WAS TOLD I WAS APPROVED FOR XXXX XXXX XXXX. XXXX WITHOUT MY PERMISSION PULLED 11 OTHER HARD INQUIRIES.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I am trying to fix a situation with Wells Fargo : In XXXX they sold me a predatory interest only loan. In XXXX it was modified. In XXXX the payment will triple. Here is my recent letter : Let me speak with underwriting I have both a current XXXX  XXXX XXXX XXXX License & XXXX   license. ( I am contacting you as an individual ) Current county assessment market value of property in question is $ XXXX. By next year expect with the CV19 based wave of foreclosures that will drop. Add in the costs of foreclosing, refurbishing, bringing to a down market and time vacant with nothing coming in, and WF will be lucky to recoup $ XXXX. Meantime another XXXX American familys blood on your hands. 

Its corrupt, discriminatory, abusive & absurdly hypocritical that : Youd rather do the above then recast this loan to $ XXXX after taking exorbitant bail out money XXXX and writing off/charging off subordinate loan multiple times. 

That despite current 15 year payment history you say I dont qualify for the lowest rates in history, but expect me to pay twice the current interest rate with a triple payment in XXXX even though I am current with fico XXXX and sufficient income of $ XXXXmonth. 

I cant help that my parents were hippies and named me after a foreign entity. I am XXXX XXXX. What you are doing is discriminatory, predatory, unethical and immoral. 

You should have the higher ups above underwriting immediately : Strip/forgive/settle the 2nd lien on the note you wrote/charged off multiple times and receive XXXX bail out money for, forgive $ XXXX off of the 1st note, ( if not forgive then piggyback ), and recast the remaining $ XXXX $ XXXX into a 2.75 % 30 year fixed. 

I have 700+ credit, sufficient income, 15 yr immaculate payment history. 

I am sure there are plenty of lawyers who would agree with me. 

Please do the right thing here and adopt the above. 

I will get a pay increase soon, this is totally doable. 

God Bless America.
Consumer complaint received 2020-06-20
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: ALLY FINANCIAL INC. (AR)

I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XXXX XXXX AUTO FINANCE WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX TransUnion received the certified letter that I mailed with return receipt advising the bureau to provide to me per FCRA 623 ( a ) ( 5 ) if  they are unable to validate with the Original Creditor then the information MUST BE removed. On XX/XX/XXXX XXXX transferred me to supervisor XXXX regarding the response letter that I received from TransUnion stating they already verified and won't re verify. I advised XXXX that I did not ask for a verification but rather them to furnish who they spoke with at the United States Bankruptcy Courts of XXXX Missouri. She never provided that information.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The phone rings, business phone, caller ID will say A Hospital, or MD St Gov or XXXX XXXX. I will answer the phone and it is a computer call from Bank of America wanting me to hold for the next available person. 
This is extremely misleading. 
I do not have a Bank of America Credit card, they soliciting.
Consumer complaint received 2020-05-23
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: Sequium Asset Solutions, LLC (NY)

THESE ARE THE ACCOUNTS THAT ARE FRAUD 1.  CHILD SUPPORT ENFORCEMENT XX/XX/XXXX {$44000.00} 2. SEQUIUM ASSET SOLUTIONS {$270.00} AND A FRAUDELENT INQUIRY 1. XXXX XXXX XXXX   XXXX XX/XX/XXXX
Consumer complaint received 2018-10-12
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. (CA)

I have disputed a few items on my credit report however it keeps coming back as verified. 

XXXX XXXXXXXX XXXX Also a lot or inquires In XXXX i spoke to a police officer they gave me a police report I called all 3 beaus with the report number.

I was told it would take 5 bus days its now XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys
Consumer complaint received 2020-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

XX/XX/XXXX : I called ERC to pay a supposed debt of {$220.00} with XXXX XXXX XXXX, XXXX. An amount of {$230.00} is shown as paid and cleared on my credit card statement as of XX/XX/XXXX. 

Fast forward 2+ years : I receive a collection letter out of the blue dated XX/XX/XXXX for the exact same debt I paid in XXXX. I find this very suspicious. I called an ERC representative, XXXX XXXX, at XXXX PST on XX/XX/XXXX and she confirmed that the amount was indeed paid, but then told me that particular office is closed and that I should call back and speak with someone on Tuesday. I find it very strange that the office would be open ( until XXXX EST on Saturdays, according to the letter ) but still can't resolve an issue for which they are clearly in the wrong. Regardless, I am filing a report for receiving a threatening debt collection letter for something I do not owe. This is illegal.
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.XXXX XXXX {$130.00}
Consumer complaint received 2020-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has ignored my request to investigate my dispute items. I sent in two letters and have been patiently waiting for a response and have not received anything yet. It has been well over 30 days at this point.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX I wrote the company expressing we were having some financial difficulties due to COVID. I asked to postpone my account for 180 days. I received a letter back on XX/XX/XXXX. My automatic draft was stopped and I contacted the mortgage company to make sure my payment still came out since I hadnt heard back about forbearance. I was told my account was good and they received payment. I still have not received a forbearance so on XX/XX/XXXX I paid my mortgage since the automatic payments were stopped by the company. I received a phone call from company on XX/XX/XXXX saying my XXXX payment never came out and they had made an error and paid my account with someone elses funds. I told them that I had asked for a forbearance but I called and the associate told me my account was good and all statements I received said my account was good. I asked them how am I 30 days late when I just made a payment on XX/XX/XXXX. This company has reported to the credit bureaus more than once that I have been 30 days late. I dont understand how this is correct or legal. One I was not aware nor did anyone contact me before XX/XX/XXXX by phone or mail. Second I asked for a forbearance in XXXX and I yet to get it or any correspondence.
Consumer complaint received 2020-05-22
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. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.EQUIFAX XXXX {$130.00}
Consumer complaint received 2018-10-15
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (OH)

I have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX. XXXX XXXX  charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.
Consumer complaint received 2020-06-20
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 — Problem with personal statement of dispute
Company: MoneyLion Inc. (OH)

This MoneyLion Plus loan for {$500.00} fell behind after job loss. This company used the MoneyLion Plus app, and requires a subscription service to access these {$500.00} loans that can be repaid and taken out repeatedly. The service advertises that the membership can essentially pay for itself by having you deposit money into an investment account. 

Due to job loss, I was no longer able to pay for their membership and unable to access the details of my account. After some time, the company sent me a notification around XXXX of XXXX that funds from my investment account were used as a payment for the loan. From then on to XX/XX/XXXX, I had received no correspondence by email or physical mail to my address regarding this account. 

As such, I filed a dispute with XXXX, XXXX, and XXXX   with regards to this account because it had not reported any payment history since XXXX of XXXX. On XX/XX/XXXX in response to my dispute, MoneyLion reported 13 consecutive missed payments to my report, all but 3 reported as 120 days late. Some payments are egregiously reported as 120 days late such as XXXX and XXXX of XXXX, even though 120 days has yet to pass from those time periods. 

On XX/XX/XXXX, MoneyLion was paid {$230.00}, the remaining balance on the loan upon discovering the payment history update to my reports. I explained to a representative the situation that I received no notifications or notices regarding the status of this account until this very dispute and I was directed to a form for them to perform an investigation. I had asked for adjustment to the report due to the unfair and egregious reporting. 

On XX/XX/XXXX, MoneyLion 's team responded back via email with an aggressively worded response, stating that no adjustments will be made and that they " will not respond to further request that is substantially the same as the previous request ( s ) submitted by you or on your behalf ''. 

I fully acknowledge that my financial situation at the time did not allow me to make payments as agreed. However, once my account had fallen behind, the company made no attempt contact with me for over a year to address my account after my investment account had paid for it. To report no information on my reports in that entire time frame until a dispute was filed feels incredibly aggressive and egregious considering the circumstances.
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX, Lending Officer, Bank of America, NMLS #  XXXX, XXXX, declined to process my refinance application because I was self/employed. I applied elsewhere and immediately was accepted and received a refinance at the best rate. I believe his declination was a pretext. I ask that this complaint be placed in his personnel file and with the bank.
Consumer complaint received 2019-02-09
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. (NJ)

I received a letter from Equifax on XX/XX/2019 stating that based on the contents of my Equifax credit file my credit score is unavailable. I then called customer service and spoke to a Supervisor. Despite answering a series of questions correctly, she refused to confirm my identity and was unhelpful. I then filed a complaint with the XXXX   XXXX XXXX on XX/XX/XXXX, to no avail. Then I received a notice of reinvestigation concerning my FICO score dated XX/XX/XXXX stating that Equifax has received my concerns and their conclusion is to visit their website at Equifax.com for information on credit scores. This gave me no additional information. As of XX/XX/2019 I have an Equifax Credit Score of XXXX. As a consumer I should have a current score between 300-850. This is completely unacceptable and must be addressed immediately.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to XXXX Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were t

aken out and I never recieved any payments. The school payed for th
ose 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my XXXX and {$44000.00} reporting from my XXXX and around XXXX reporting from XXXX. 

I would like for these loans and all of these false information to be removed from my credit report immediately.
Consumer complaint received 2020-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

When the Care Act was passed XX/XX/2020 to suspend payments and interest on student loans. Navient said that I could only have 3 mos of forberance. Where as the Care Act was saying 6 mos of forbearance with the last update as of XX/XX/2020. Why are they saying I have 30 days left on forbearance, instead of XX/XX/2020? Please reply as soon as possible on this matter. 
Thanks XX/XX/2020 XXXX XXXX XXXX
Consumer complaint received 2020-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OH)

ERC bought my 5 year old debt from XXXX XXXX XXXX around XX/XX/XXXX. The debt was from XXXX XXXX XXXX around XXXX. ERC started reporting the debt as it was a new debt on my credit report as if it was a new debt which dropped my score by 50 points. ERC also changed the amount owed on my credit report. This is unfair because I am trying to repair my credit at this time to buy a new home.