davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
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. (IL)

THESE COMPANIES ARE IN VIOLATION AND HAVE NOT FOLLOWED THE FCRA REQUIREMENTS AND HAVE REINSERTED A ACCOUNT BACK ON MY CREDIT REPORT WITHOUT NOTIFYING ME. THIS GOES AGAINST THE LAW AND I WILL FILE A LAWSUIT IF THINGS ARE NOT HANDLED PROPERLY.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX has recently settled in a multi state investigation about XXXX 's subprime lending practices. XXXX knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probably of default. I have sent letters to XXXX about my account being deleted and to this day they have not deleted this from my credit report. It is against the FCRA for a creditor and the credit reporting agencies to report inaccurate and false information. I am asking that this XXXX account be deleted from my credit report immediately.
Consumer complaint received 2020-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

A loan I had with Wells Fargo Home Mortgage was transferred to XXXX XXXX XXXX in XX/XX/2019. XXXX XXXX XXXX claimed, according to the information that they received, I was 30-days behind on a loan payment, which I was not. I requested that Wells Fargo please tell me which month their records show I missed payment, so that I could show my bank statements proving they had received payment. I had requested this full payment history from Wells Fargo for months before they transferred the loan, yet they never provided this information. XXXX XXXX XXXX also claims it could not provide this information, as they only have the payment history sent to them from Wells Fargo. Instead they have requested that I fill out an application to pay this extra payment on the back end of the loan. I want a full accounting from Wells Fargo, their records are incorrect, and I have bank statements to show my payment history.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I filed a complaint with Trans Union Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against XXXX XXXX asking that they correct information reported to credit companies. Concerning my XXXX XXXX loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, XXXX XXXX admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my Trans Union Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from XXXX XXXX and no information about my loan is reported on XXXX XXXX 's website for customers. 


Additionally, when I call, XXXX XXXX says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

My account is closed but I have a negative balance due to refunds. Ive requested a check from them but they have yet to send it. I requested the check on XX/XX/XXXX by phone and they said a check would be sent in 5-7 days.
Consumer complaint received 2018-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

Approximately, XXXX-XXXX of 2018, I began receiving telephone calls from Navient regarding student loans in my name. 

The loans were previously in deferment or forbearance. However, I was forced out of the graduate program for which I obtained the loans. While a graduate student, I was XXXX harassed by a male professor and forced to leave the program when I complained to another male professor. Now, I am being forced to pay more than {$1000.00} a month repayment for the {$100000.00} balance. Outside of winning a XXXX dollar lottery, there is no way in my lifetime that I can pay this loan. I am not wealthy and can not borrow money from anyone to make this payment. 

The telephone calls from Navient are harassing and occur on a daily basis, several times a day, even at my place of business. I have never given Navient permission to call my cell phone incessantly or my place of employment. 

I have asked Navient customer service to cease and desist from calling my cell, home and work phone. However the calls continue.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has received multiple letters certified with proof of debts that do not belong to me. They failed to send proof of validation and they failed to delete once its been proven not to be mines. I have debts on there that was removed years ago. They never stay current. Cant get information off of their website because it doesnt work properly. This agency is the only one lagging.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-06-20
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. (VA)

XXXX XXXX is not putting correct information on credit report they are saying I was late for XXXX and XXXX there are very behind in there reporting I have been late before with account but I have not been late on this account since XX/XX/2019 2019
Consumer complaint received 2020-05-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (VA)

On XX/XX/2020, opened a new checking account in branch location in XXXX, Washington, DC. At time of account opening, a promotional offer was presented to banker who confirmed the account and promotion were successfully opened and applied. Upon gaining access to my online banking on XX/XX/2020, I noticed that the checking account type was not the requested type of account that was asked to be open because the promotional offer only applied to certain account types. Upon realization, I contacted the branch and requested to speak with the banker who opened the account. She was not available, but I left name and call back number. After one week, I had not received a call back so I sent secure message to the general customer service and advised of the aforementioned. Couple days later, I received a response that said the account opening bonus was denied because it is not transferable. I followed up and provided the terms of the offer, which does not speak, in any way shape or form, to the offer being non-transferable. Moreover, it is a publicly available offer posted prominently on the bank 's website.
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (MS)

I paid my debt to the original creditor in monthly installments. The debt has been paid in full. On XX/XX/2020 I received a notification of a debt on my credit report from XXXX  and XXXX. The original amount the debt collector provided is incorrect. I was not notified of the alleged debt prior to getting the notification on my credit reports.
Consumer complaint received 2020-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was recently laid off on XX/XX/2020 due to covid 19. Last XXXX I purchased a new car in which I placed XXXX down but the loan valuation was XXXX, I was paying close to XXXX/month. Since being laid off I have had to cut my expenses down to stay afloat. I called capitalone to inquire about their options to make payments during this time the following week after being laid off and their response was that I could only defer a payment for a month. If I decided to take this option they would also increase the interest that had to be paid towards the end of the loan period. The representative also documented my unemployment information during the call. This option was not ideal for me, as a result I have been paying below the monthly payment, roughly XXXX/month for the past two months, XXXX and XXXX. I have seen however that interest is still being applied to my account and the money that has not been paid month over month is also being accumulated. Capitalone is not providing much reprieve during this time. I did not feel comfortable providing my personal information like address and social security number etc and this is why it is not included in the complaint. I am located in California.
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. (CA)

My car broke down so yesterday XX/XX/20 I went to the XXXX dealership and they ran my credit to see if I qualified for the auto loan but I was told I was not approved because of three accounts reflecting badly on my credit history. I looked through my credit report myself to see what accounts they were talking and I realized none of those accounts are mine. I never opened them and I didn't give anyone permission to open them in my name. The accounts are from XXXX XXXX, XXXX XXXX XXXX XXXX & US Bankruptcy Court-XXXX XXXX. I am not responsible for any of these accounts nor do I have any type of written/verbal contract with those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit.
Consumer complaint received 2020-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

due to the horrific covid19 virus and the severe loss of jobs and/or income, i sadly speaking have been affected by this impact as well! 

i did get approved by JP Morgan Chase Bank to participate in their program where they agreed to allow ME to defer the mortgage for 3 months ( 90 days ), but what is extremely cruel, sad and inappropriate is due to the Fact that after the ( 90 day ) period, the bank is expecting the home owners to cough UP all of the money for the ( 90 days ) and pay them back ALL AT ONCE! 

this is a very Poor Business Tactic and it is extremely offensive, uncalled for, unprofessional, ridiculous and Just Not Fair and Not Right! 

i am still suffering by the way! 

By Right : they should be adding on the ( 3 ) Deferred Payments To The End Of The Loan AND Modifying Those Such Loans such as MINE Automatically With A Guaranteed, Lower, Fixed Monthly Mortgage And Interest Rate At Least For 5-10 Years That Is Still Guaranteed To Go Down Every Month Like It Has So Far! 

Moving Right Along : i did hear that they Can Offer A Modification which would be a Fixed Lower Mortgage Payment with a Fixed Lower Interest Rate for the Life Of The Loan and that Would Have Helped because I could probably ask one of my close relatives to HELP ME out somewhat with MY Mortgage. 

it just seems like the bank just wants ME to Lose My Home and i sincerely hope that that is Not The Case! 

for your information : my Loan Number with JP Morgan Chase Bank is : Loan Number : # XXXX thank you. 

sincerely yours, XXXX XXXX XXXX XXXX JP Morgan Chase Bank Customer For Over 10 Years +
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 — Old information reappears or never goes away
Company: CITIBANK, N.A. (FL)

I checked my credit report, and saw an account for DSNB/Macys in the amount of {$270.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to pay the debt in full of {$270.00} to delete the trade line and collection as the account will be seven years old in XX/XX/2020. Its no reason for it to still report, especially after its paid.
Consumer complaint received 2020-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I checked my credit report, and saw an account for resurgent capital services for credit one in the amount of {$1000.00}. At the time the account became delinquent, I lost my job and eventually became homeless. I was living from one family member to another for a few years working side gigs. Now that I'm stable and gainfully employed, I'd love to settle with {$500.00} for a deletion
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

I filled a claim with USAA about a fraudulent charge and give them a signed letter from the company that stated one of their employee 's fraudulently used my information and USAA says to bad! I have also tried to get in touch with XXXX XXXX who USAA stated in their response from previous claim that he would be happy to assist me ... I have tried to call USAA, chat with USAA in order to obtain his contact information and they can't seem to find him or I get hung up on!! I tried to close this account and was told I could not!!!!! I want to file an appeal and and XXXX XXXX to contact me ASAP
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX  granted me a forbearance on my mortgage and credit card, XX/XX/XXXX through XX/XX/XXXX. Unlike the agreement I understood when I applied for this forbearance, They are reporting to the credit agencies. My credit report shows increased balances on both my mortgage and a credit card ( s )  including my other accounts with other lenders. My FICO score has been reduced because of this. Not only has my work stopped because of this government nightmare Covid 19, but my credit score that I have worked so hard to build is hitting the bricks. The credit bureaus should not be allowed to record any increase in balances! This is true for my credit cards at XXXX XXXX, XXXX XXXX ( where I am also in the process of receiving a refinancing of my mortgage ), Capital one Credit card, XXXX 's. Please tell me who else I can write to and if there is a class action suit in process that I can join? Big banks have no right to manipulate with the credit status of individuals who are affected by a global pandemic. Who is in charge of this regulation on a Federal level? Please send me the name of the agency, and email address I can write to to file this complaint in addition to you. Thank you.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears on my credit report through ( rental credit and the XXXX, XXXX and transunion.com that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XXXX. but they keep reporting this information
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 status incorrect
Company: SYNCHRONY FINANCIAL (GA)

Every item on my credit report is showing as late payments in my credit report, and it should not be reported late payments. I am currently in a chapter XXXX over the last 2.5 years and the items on my credit report was included in my bankruptcy! Please remove ALL incorrect information on my report that is being reported late and/or delinquent! 

I did contact all the companies concerning this matter. Thanks. XXXX XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ stall tactics. They stated that they received a letter from an " unauthorized third party credit repair company '' when in fact I sent the letters that I had notarized with an official seal. Additionally, I sent the letters with a copy of my my state drivers license as well as my social security card which were also provided to the notary as proof of my identity. 

I in turn sent a second letter demanding a timely investigation and resolution to this manner. Equifax has this denied me this right a second time by sending a response failing to provide results. The rationale was : " Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute ''. 

This is precisely what I provided them with in the first place on XX/XX/2020. We are now closing XX/XX/2020 and I still have not received a timely investigation.
Consumer complaint received 2020-05-24
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: EQUIFAX, INC. (FL)

There are credit inquires on my report that I dont know about Ive contacted all of the above creditors and none of them can verify when these inquiries were made. I currently have 2 collection accounts on my credit that doesnt belong to me so there for this explains why I have all these inquiries I know nothing about. I have contacted both XXXX  and Equifax to have these removed to no avail. I havent applied for credit since 2018.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc. (SC)

Mid Atlantic finance company in XXXX Florida keeps reporting negative information on my credit report for an old car loan that should already be off of my credit report. They keep changing the dates of when the account was actually closed so they can remain on my credit longer. It is a closed account they bought My loan from a buy here pay here back in XX/XX/XXXX. They repossessed the vehicle in XX/XX/XXXX. I never made one payment to them. They keep changing the closed date to different months in XX/XX/XXXX. They continue to wait until my score is up and then start back negatively reporting causing my score to drop over a XXXX points. I would like to have them removed from my credit. My XXXX XXXX account shows this has been reporting 7 years and 9 months on my credit reports.