davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Hi, I recently discovered while checking my credit on credit karma that there is an address that is not mine. This address I have never been to and I want this to be remove from my credit reports has I think this could be a person trying to do fraud using some of my information. 

The wrong information on my credit reports are as follows:XXXX , CA XXXX - this has NEVER been my address and have NEVER even been in the area. I just recently moved to XXXX. 

Could I have some help on how I can remove these from my credit reports? 

Thank you!
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (CO)

Compass bank is unfair and unethical. I have overdraft protection from my savings account. I pay a XXXX fee for the transfer which is fine. However, I overdrew my checking and funds moved from my savings. I paid an nsf fee because my od transfer was not enough. That 's fine the kicker is I paid the XXXX transfer fee and because my account was still overdrawn I paid an nsf fee on my overdraft transfer fee. I 'm having to pay a fee on a fee.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had a computer glitch and removed all of my inquires and a week later put them back on, with out informing me. By law they only have 5 days to inform me and since they did not they broke the law.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was checking my credit for the XXXX time in several years and I have a collection on a car loan from XXXX XXXX as the original loan and now turned over to XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Phone is XXXX ) ) ) ) ) I have never applied for a car loan from XXXX XXXX and ca n't get any info on this company my credit report says disputed but is still unresolved and it 's been like 3 months and still on my report. I would like some help resolving this issue please I am always grateful when someone offers to help sincerely XXXX
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are XXXX writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

On XXXX, I initiated a dispute with Experian via Certified Mail with Signature Confirmation, concerning several items that are being reported inaccurately as a result of Identity Theft. Experian is aware of this issue as I had a fraud alert that was placed on my account by the XXXX credit bureaus a few months ago after I discovered that my identity had been comprimised. I sent over a police report with details of the incident leading to the identity theft, which led to an extended fraud alert being added to all of my credit bureau reports. I have since had the alerts removed voluntarily since I have signed up for credit monitoring and am now actively monitoring my reports. XX/XX/XXXX, Experian sent me a generic form letter that did not address my request for an reinvestigation into the inaccurate accounts being reported or the manner in which they were verified, or any other information that I am entitled to under the FCRA laws.
Consumer complaint received 2016-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OK)

I am disputing XXXX reporting negatively on my Experian credit report. I asked Experian to investigate and they replied that they verified the accuracy of XXXX claim. Experian states that if I have additional relevant information that was not present when previously disputed, they would re-investigate. I now have additional relevant information ( attached ). 
If XXXX is claiming I have a debt, they have not done so clearly, and I have no idea from when the alleged debt originates. I have attached XXXX letters sent to me from XXXX different companies regarding the alleged debt XXXX. While XXXX may have purchased a debt in 2011, I have yet to see where this debt came from, and Experian has yet to send me the evidence either, which they said they would. If XXXX purchased an alleged debt, their tactics of using these XXXX companies is confusing and shows their misleading approach. 
I argue that the use of their confusing debt collection tactics as shown here and Experian not sending me the evidence that shows the validity of the original debt, gives me no reason to believe that this purported debt is mine. In this dispute I show that this is yet another trick that XXXX is playing that is not allowing me, the consumer, to clearly and plainly manage my finances.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

In XXXX of 2016 I Filed a complaint with ChexSystems about a report the said I owed with a bank. I got a letter about verifying my identity asking for a letter from social security administration. They do n't send letters so I called them in XXXX to tell them I also sent a copy of my social security card and I 'd. I did n't hear from them until XXXX which was a another report. They have yet to respond to my dispute that they have my social security number wrong on my report. My number is XXXX they continue to show my number as something ending in XXXX. I tried to call and all I get is being bounced around by a answer machine. I would like for them to take all the accounts on XXXX off my chexsystems report.
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have written several letters to this company asking them to validate the debt. They never respond and continue to report this inaccurate information which is a violation of FCRA and FDCPA. My most recent letter dated XXXX XXXX, 2015 is attached.
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (AL)

XXXX. My XXXX has XXXX accounts with Regions bank ( checking, debit card, savings ). This complaint is regarding the checking account. Utilizing the online banking interface, each transaction was categorized ( with several custom categories ) and had a memo field inserted to designate the exact purpose of the transaction, which provided the basis for monthly financial statements, budgeting, and tax filings. Regions recently upgraded their online system and stripped all customer entered data, which resulted in the loss of all categorization and memo fields. Current and historical data has been reduced to only the date and amount, all customer entered data has been lost.
Consumer complaint received 2015-08-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (GA)

Common Wealth aka or dba XXXX, reported XXXX medical collections to my bureaus as XXXX accounts. I paid the accounts and they provided me with a deletion letter to only turn around and report new collections on my XXXX Report 16 days after I paid the collections
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC. (GA)

Please explain why a representative from ECMC called my parents ' house today, XXXX XXXX, 2016, and what they wanted to speak with them about? As you had stated in your prior correspondence that you did not disclose information about my loan to anyone you called, please confirm what you wanted to speak with my parents about? Please also state what the purpose of calling them is ( outside of the incorrect answer that federal law requires this ), when you have confirmed you are in contact with me and I have specified since last year my desire for communication via my email address, you have my current address which confirms I do not live with them, and they are not cosigners to my loan or would have any knowledge whatsoever in regards to my loan. Please confirm how many times you called my parents?
Consumer complaint received 2016-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (HI)

Dear Sir or Madam, I had Federal student loans with XXXX XXXX that were transferred to Navient in XXXX. I attended XXXX and XXXX school, completing my education in XXXX XXXX. Upon graduation, I consolidated my loans with XXXX XXXX. I recall having an APR of 1.9 percent upon my consolidation. I noticed that a XXXX statement from XXXX XXXX has 2.6 percent. 

Recently, in just the past month or so, I have received an email from Navient stating they have accepted my deferment request. I emailed their help center and told them this is an error, or someone trying to hack into my account, since I DID NOT request a deferment. They sent an automated email back saying they are sorry I am having financial difficulty and options under such circumstances. They could n't even bother to have a human read my complaint/error report. Additionally, my APR is now 2.85 percent. I consolidated my loans at a fixed APR for the life of the loans. 

Navient has no after hours helpline, and since I am in Hawaii and they are on the east coast it is very difficult to find time to call them during the work day. I will obviously make effort to call this coming Tuesday morning first thing since I am extremely frustrated and feel cheated. 

I feel something criminal is happening and all Navient can do is send automated replies after 8 days of my written error report. I have had much better luck with email inquiries with companies such as XXXX, XXXX, and others. Naivent seems very shady and I am going to look into an alternative company to house my student loans. 

Thank you, XXXX
Consumer complaint received 2016-02-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a mortgage equity loan with Bank of America on a home I 've owned since XX/XX/XXXX. There has been an unexplained fee on my account since XX/XX/XXXX, when I avoided losing my home to the bank through my state 's mortgage mediation program. Although the bank representative assigned to my loan at the time never returned any of my calls, I 've kept paying on the loan. In XX/XX/XXXX, I finally wrote the bank requesting an explanation and itemization of all the fees I 've been charged and all the payments I 've made. However, the bank never responded to my letter. 
I thought that by putting my request in writing, the bank would explain what the questionable fee is ; it does n't seem to be based on the loan 's interest rates or principle. I also wanted to know if my payment records coincided with the bank 's records, which the statements do n't seem to show. My monthly payments currently are only on the loan 's interest and just slightly above the minimum rate. However, I do n't know how the bank is applying my monthly payments to the loan, the principle of which is substantial. The interest rates on this equity loan are relatively low, but my payments do n't seem to be reducing this portion of the debt. 
The fee in question used to average about {$1200.00} on each statement. However, my XXXX XXXX statement shows a {$310.00} increase over last month 's fee ; the fee rose from {$1200.00} in XXXX XXXX to {$1500.00}. My XXXX XXXX statement shows that the fee now is up to {$1800.00}. With these sudden {$300.00} increases a month, I will soon owe the bank thousands of dollars on an unexplained fee that I ca n't afford to pay. 
Also, each of my mortgage statements now includes a notice that the bank has not received the previous month 's payment. Each monthly payment has posted to my checking account ; therefore, the bank is receiving and accepting my money. 
A generic message on the statement now threatens to notify the credit bureaus of delinquent payments. By the bank claiming that it 's not receiving previous monthly payments, it can report this false information to the credit bureaus and eventually foreclose on my home again. 
I am requesting the following information : 1. What the unexplained fee is for 2. Why the unexplained fee is now rising significantly each month 3. Why the bank claims on each of my statements that it has n't received the previous month 's payment 4. Whether the bank is applying my monthly payments to the loan I will provide any additional information needed to help resolve this issue. A fair solution would be for the bank to answer the questions outlined above and to waive the unexplained fee. 
I have attached a copy of the following : 1. XXXX XXXX statement 2. XXXX XXXX statement 3. XXXX letter to the bank I appreciate any help the CFPB can provide.
Consumer complaint received 2015-07-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc. (GA)

In XX/XX/XXXX I notified Amsher Collection Services ( ACS ) that their collection was not valid. I was never a patient at XXXX XXXX XXXX in XX/XX/XXXX, and requested they produce evidence, i.e. any document with my signature or any medical records with my name. I disputed this with the credit bureaus. Result was that the ACS refused to produce any evidence of my debt, re-aged the debt to the date that I protested it, refused to remove it from my credit report, and have not bothered to report again in over six years. It is now passed the statutory limit for collection and I want it completely removed from my credit report.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's mailing address for dispute requests is : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} XXXX Account Number Num : XXXX Balance {$00.00} Dear Sir or Madam, I am writing in regards XXXX on my credit report. I 've enjoyed being a customer of XXXX XXXX since XX/XX/XXXX. Today, I 'm writing to request a goodwill adjustment to my credit files. 

I was a model customer from the time I received my credit card in XX/XX/XXXX, however it has been 11 years. 

Your agency should delete all information regarding the account from my credit files within 10 business days. Please delete the above information as quickly as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (DC)

Purchased trip insurance from XXXX XXXX. The site allows you to enter your home country so it is clear that it is a worldwide organization, but I purchased the policy in US dollars and the policy is a US policy, " XXXX '' underwritten by XXXX, a US company. My credit card company US Bank charged me a foreign transaction fee for a US dollar transaction because the parent company is located in XXXX, XXXX. If I 'd know that I would be charged this fee, I would have used a different card that charges no foreign transaction fees, rather than earning miles on my usual credit card. Online reports say this is happening more and more often, with airlines that book you on overseas partners with US dollar transactions, or airline resellers like XXXX. I called the insurance company ; they say it 's not their problem because they ca n't tell people they are a foreign company since some of their customers reside in XXXX, their home country.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I am filing a complaint against Navient, because I have a private loan with them, and my aunt is the cosignor. I was advised by Navient that as long as I have 6 months of perfect payments, they will remove my aunt from my loan. However, once I reached that 6 months of perfect payments, they advised that I actually have to have 12 months of perfect payments before they would consider removing my aunt from the loan. My aunt 's credit has been negatively impacted by this, and she is struggling to cosign for her own daughter who is going to be attending college next year. 
Aside from that issue, the interest rate attached to this private loan is very high, 13.5 % -15 %, and I have struggled to afford the monthly payments, going as far as paying late on other bills, and my debt to income ratio has had a drastic impact on my credit score. 
I work full-time for a social security law-firm, and am XXXX a single mother XX/XX/XXXX. When I reported my XXXX to Navient, in hopes that this would offer some sort of relief for me, they advised that it would not. Their customer services is horrendous, I get told different things about my loan every time I call in, and it has been an extremely emotionally and financially draining mess of a situation.
Consumer complaint received 2016-03-14
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/2016 I was researching for a good option to payoff a high interest mortgage I have on a property. I came across a good opportunity from Bank of America and started the application process for a line of credit. They asked for a good estimate of the value of my property and request my realtor to prepare a value analysis, he told me I can market it at least at $ XXXX. I requested a $ XXXX line of credit based on this number. After a month of sending tons of papers and information they came back telling me my property was appraised at {$560.00} based of some data. At that time I requested a full appraisal of my property because I did a lot of improvements to it with add value. To my surprise, the bank assigned the same company and the same XXXX who did my appraisal 2 years ago and came really low did this appraisal again. XX/XX/XXXX the bank called telling me the property was appraised at $ XXXX, totally disappointed, he did not even considered the money I spent in the remodelation and extra futures. When I requested copy of the appraisal I found out that it had a lot of discrepancies, and it needed to be reconsider and I also sent more comparables since the appraiser said he was not able to find recent comps for my property and he used some that had more than a year ago! Today I received a call that my petition came at the same price! They not only waste my time, my money, my patience but also are damaging my credit! They even endorse my policy with a loan that it seems they did n't want or have interest in giving ... totally disappointing. I hope no other clients get damaged the way I was.
Consumer complaint received 2015-11-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My wife and I wrote a check to our daycare provider from our joint BofA checking account. BofA refused to honor the check for fraud purposes, even though the account has never been subject to fraud claims before. BofA called prior to dishonoring the check and left a strange message. Due to other bank frauds, where scammers pretend to dial card and accountholders to phish account details, neither my wife nor I answered and instead called the bank directly when we had free time later that day. During that call, BofA said that we had called too late and they were dishonoring the check and we would have to write a new one. 

Due to this, my daycare provider had to pay a {$12.00} fee to their bank. My wife and I have covered the fee and sought compensation for the issue from BofA. BofA has refused, despite the fact that the fee was due to their dishonoring a validly issued check and the company 's overly sensitive risk practices.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Over the years I have struggled to make mortgage payments as my husband died XXXX 2 years after initiating the loan. Thankfully, I am now making my payments timely. However, over the years when I spoke with customer service representatives of Greentree, I was transferred to other extensions/representatives numerous times and was forced to reiterate over and over my situation and what I was requesting. Greentree would assign someone to me and then before I knew, that representative was reassigned and I would have to start all over. Several times customer representatives were rude and unprofessional. One even said to me that I needed to realize that I could n't afford to make these payments and that I should just let them foreclose. Greentree Servicing 's representatives humiliated me numerous times over the life of this loan. Several years ago, I submitted all the necessary information and documentation to Greentree requesting a reduction in my interest rate ( currently 9 % ), and was denied, without an explanation.
Consumer complaint received 2016-06-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

PayPal permanently limited my account for reason that they can not tell me ( the customer service said this when I contacted they ). At the same time, they forfeited the eBay gift card I bought from supermarket that have already linked with this PayPal account ( I can only use those eBay gift card with the specific PayPal account. However, I can never use this PayPal account any more ). Regardless of the reason PayPal limited my account ( I did n't owe PayPal any money in any means ), how could they have the right to forfeit the eBay gift card I bought by my own money? If it is legal, PayPal could limit any account with the reason they can not tell us and forfeit all gift card that have linked to PayPal account!