davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Armada Corp. (WA)

Please find attached a copy of a bill we received from a collection agency, Armada, dated XX/XX/XXXX for services at XXXX XXXX XXXX amounting to {$2300.00} from XXXX. Interest added by Armada was {$760.00} and continues to accrue. This debt was a surprise to us because there was no notification from Armada for 2 years and 7 months, during which time interest was building. 

I called Armada XX/XX/XXXX after confirming the debt with XXXX  XXXX XXXX. I spoke to Account Representative XXXX XXXX, who then transferred me to his leader, XXXX. XXXX remembered being the account representative for this debt in XXXX and said he tried calling our number in XX/XX/XXXX and XX/XX/XXXX. Apparently he was not allowed to leave a message. Therefore, no notification between XX/XX/XXXX and XX/XX/XXXX, with interest adding up. 

Id like to inquire if this practice is legal. Do I have any recourse?
Consumer complaint received 2019-06-10
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. (VA)

These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on Experian, XXXX, and XXXX  reports. They need to be removed because I did not add them there. XXXX is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXX reporting with incomplete information. Inquiries for XXXX XXXX. XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been unemployed, XXXX and XXXX. I never will apply for something I cant afford. Someone have been using my identity. XXXX have been reporting false inaccurate information. XXXX XXXX XXXX alleged account, an incomplete account-XXXX XXXX XXXX its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, cXXXX XXXX, XXXX with XXXX. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.
Consumer complaint received 2019-06-11
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. (NM)

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX ; XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

My account was frozen without any reason and I was conducting business in good faith. Money are frozen and can't be lifted within next 180 days. My account was frozen without any reason and I was conducting business in good faith. PayPal didn't nor state the reason why they did it, nor they even allow me to appeal the case. 
Reference : XXXX
Consumer complaint received 2019-06-11
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. (NM)

Please reverse the late payments reported on the following accounts : XXXX   XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX****
Consumer complaint received 2018-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

I have a personal checking account at Wells Fargo. 
I am not able to access my statements for these eight months : XX/XX/XXXX though XX/XX/XXXX. I have asked for them several times at my local branch. I believe that money has been taken from my account without my permission.
Consumer complaint received 2019-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Back in XX/XX/XXXX. Navient applied a forbearance that they automatically did. In XX/XX/XXXX, My mother ( XXXX XXXX ) and I asked for them to lower the payments. They transfer us to someone to help. They asked back our income and later they sign us up for a 0 %  interest. The woman asked for my mother debit card information. The payment never came out and the agreement wasn't never set up properly. But, she made a payment in the amount {$50.00}. On XX/XX/XXXX, I received a email about the waiving the late fee 's, lowering your monthly payment over a period of time, bring your loan up to date just by making your current monthly payment and forgive portion of the balance as long a mutual agreement on settlement terms can be reached. On XX/XX/XXXX at XXXX EST, I spoke to XXXX XXXX. She claim here employee id:XXXX. I spoke to her about my account. She said my account is 93 days past due. I told her, I understand. But, I received a email about waiving the late fees. I told her I can't afford to make payments that high because. I'm on a XXXX. I'm on a fix income and can I settle the balance. She told me XXXX. I told her I can't settle that. I asked her about my options. She told me that all. I told her I guess. You can't help me. She said I guess I can't help you. Her attitude and not willing to help. I don't understand that. So, I hung up. I call back at XXXX, I spoke to a lady by XXXX XXXX , she was very helpful and understanding about explaining my options. I asked her about a settlement, she told me to discuss it with my mother the co-borrower and come up with a number. I already exhausted all the options except for one of them a settlement. I have had this loan since XX/XX/XXXX and it's XX/XX/XXXX. Between that time, I have suffer from XXXX XXXX and I'm in and out of the hospital. My mother is on social security. I have exhausted all my other options. Such as lowering my payment and If, I do catch up on payments the loan doesn't never go down. I still have to pay for my medicine and doctor visits.
Consumer complaint received 2019-06-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NC)

My husband and I recently opened a savings account with Citi bank. We called when we received notice that they were sending us ATM cards. We did not want ATM cards issued on this account. When I tried to effect this change I was told I wasn't on the account. My husband and I completed the application online together. My name was on the application. We requested a copy of the application. We were told they didn't have it on file and couldn't provide it! In addition to being transferred numerous times, being on hold for over an hour and being disconnected twice we were concerned about the business integrity so we elected to close the account. We had over {$200000.00} in the account. We were then told we could only withdraw {$50000.00} a day. Then we were told {$2000.00} a day. Then we were told {$10000.00} a day. The amount continued to change with each representative we spoke with and the fee to withdraw was {$25.00} per transfer. None of these conditions were disclosed to us when we opened the account. Putting aside the fact customer service is beyond incompetent there has to be regulations that require a financial institution to retain records such as account applications and I find it hard to believe that they can retain our funds for extended periods of time and charge us unfair fees to return our savings.
Consumer complaint received 2024-08-13
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)

I recently found out that my personal information was compromised in a data breach. I've reached out to the relevant parties to correct the inaccurate information on my credit report, but nothing has been done yet. I called the creditor and credit bureau as I am not liable for this debt with XXXX XXXX XXXX and have yet to be provided a copy of the signed Wet signature or Esign of the alleged According to the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681i and 15 U.S.C. 1681s2 ( b ), any party that reports information to a credit bureau has to make sure it's accurate. This means they must investigate and validate any disputed information properly. Additionally, 15 U.S.C. 1681 requires that the credit bureaus ensure the information they report is complete and accurate. I have provided CFPB with the inaccurate information that is reported,
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (NY)

I signed up with XXXX to set of XXXX debt. Ive been paying on that debt to XXXX and XXXX took too long so it was sold to crown asset. Intern it went to XXXX XXXX Thats where the payment went to. Ive been trying to get that off of my credit report because it shows that its a charge off when actually, the debt was settled and paid. Ive been putting this in dispute with XXXX also with XXXX XXXX XXXX, and I have not been getting any results. I have the receipt proving that it was paid and settled to XXXX XXXX I spoke with Crown Asset. They said they would clarify it and verify it if someone would get in touch with them
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (ID)

XX/XX/XXXX Received a letter from Midland Credit Management introducing the company and explaining that they had taken over an account, XXXX XXXX, with the claim that my current balance was {$320.00}. 

XX/XX/XXXX I replied to MCM saying that I had never owned a XXXX XXXX credit card, nor had I ever received a statement from them. Though I initially applied for a card, I was informed that my application was incomplete. I chose not to complete the application and never received a card. I asked MCM to provide detailed account information of all supposed purchases, to include dates and vendors. 

XXXX MCM acknowledged that they had processed my dispute and if I felt they had reached their conclusion in error I needed to provide written explanation and documentation demonstrating any errors in their account information, and they said they were uncertain regarding what I was specifically disputing. MCM also informed me that they had requested that the tree major credit bureaus change the status of account to " Disputed ''. MCM enclosed a letter from XXXX XXXX, Vice President of XXXX saying that my loan ending in **** with a balance of {$320.00} had been sold to MCM. Mr XXXX said that the balance consisted of {$67.00} of principal, {$19.00} in interest, and {$230.00} in fees. However, I had never completed the application for a XXXX card and had never received a statement from them. 

XX/XX/XXXX I replied saying that I had never owned a XXXX XXXX credit card and that this was not my dept. I again asked MCM to provide documentation in regard to their claim. 

XX/XX/XXXX I received a letter from MCM offering a payment plan and a 40 % discount : Payment of {$190.00} if paid by XX/XX/XXXX ; Or, a 20 % discount in 3 payments of {$86.00} ; Or, monthly payments as low as {$50.00} as month with a notation of " Call today to discuss options and get more details. '' XX/XX/XXXX I replied to MCM saying that they had not provided documentation regarding their claim as to the items supposedly charged on a credit card that I never received ( total of {$67.00} ). I reiterated, once again, that this is not my dept.
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I Made a Check Deposit at TD Bank ATM From Social Security {$800.00} and My Check and the Funds Was Available XX/XX/2019 and TD Bank Place A Verification Hold On My Check for the Check {$800.00} and made my account into Negative {$580.00} with 2 Overdraft Fee Of {$35.00} Dollars Please Help me with this Problem i dont know why TD Bank Did Cause This Problem into My Account.?
Consumer complaint received 2019-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (MI)

Today is Tuesday, XX/XX/2019. Over the past 12 hours my checking account with Simple ( simple.com ) has not been displaying any of the money in my accounts with the company. I've submitted a support ticket, but have so far received no response or resolution. Even if Simple were to offer an explanation, the effect of sudden disappearance of money from my account would be incredibly unnerving! My account balances should be around {$600.00} in checking and almost {$1000.00} in my emergency fund through Simple 's " Protected Goal '' feature. I've also noticed inconsistencies since yesterday evening when using Simple 's " Instant Transfer '' to receive money from a family member and their account seemed to be debited ( twice ) but no money appeared in mine. While BBVA Compass ( parent bank ) hopefully has the correct transaction logs on the backend, the displayed account totals and delayed transaction log are cause for serious concern and I am not sure I will be able to trust Simple again. These discrepancies are completely unacceptable.
Consumer complaint received 2023-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Village Capital & Investment LLC (CO)

I lost my job in XXXX of this year 2023. Due to unemployment payment and other savings we had on hand I was able to keep up with my mortgage payments just fine ( no lates ), until Colorado 's UI system had some kind of automatic investigation triggered on my claim and they stopped paying my UI claim in early XXXX. I know the issue will resolve itself in a few months and I am to continue filing weekly claims until they do, but I was running low on the cash necessary to pay my mortgage, so in early XXXX I contacted Village Capital & Investment, our mortgage holder, to request forbearance - hopefully starting in XXXX and lasting for just a few months. 

I called, spoke to a representative, he took my request, was very positive and helpful and said he'd submit our request, it would take a few weeks, and we got off the phone. He said nothing about an application. 

About a week later I received a letter in the mail saying my forbearance application was considered " incomplete '' because I had not submitted an application. There was no application in this mailed document. I went online through the lender 's portal and emailed requesting the application. About a week later again I received a letter in the mail saying I needed to fill out an application as was my right as an FHA loan holder, but again ... this letter did *NOT* have a forbearance application in it at all. I had tried calling the mortgage company directly and kept getting stuck in a long queue on hold, but which offered the option to " save my place in line and we will call you back ''. 

They never called me back. 

I emailed them a THIRD time on the XXXX of XXXX, this time demanding they send me the forbearance application either digitally through email or mail, because I would like my forbearance to begin in XXXX and it seems now they are stalling/stonewalling the process for some reason. They responded again with a generic : " Greetings! 

Thank you for your email. Please be advised that I have forwarded your email and concerns to Loss Mitigation management as well as the Borrower 's Relations Department ( they handle borrower concerns ) and requested that they reach out to you via phone in order to address your concerns. 

XXXX Loss Mitigation phone number XXXX ''
Consumer complaint received 2016-06-18
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company (NC)

Freedom Mortgage has been jerking us around for almost a year. They claim to have not recieved paperwork 4,5 and 6 times over, then they claim paperwork is outdated and needs to be resubmitted. The only reason any paperwork has ever been outdate is because freedom has waited around for it to expire so they have another excuse not to stall our short sale request. Its pretty clear at this point that they just dont want to let us continue with the sale of our home. We have submitted every single paper requested over and over again and its never enough.
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (NV)

On XX/XX/XXXX, SoFi Bank notified me that, " For your protection, your account has been temporarily restricted while our team investigates the nature of the activity, '' and instructed me to call them at XXXX. After calling, they informed me that the source of funds was from an account with a name different from my SoFi account. I explained that the funds were transferred from my companys account, which I own. They did not ask me to provide any documents to prove my ownership of the company at that time. 

On XX/XX/XXXX, they informed me that my account would be closed, stating, " The remaining funds in your account will be returned to the originator, as we have determined that you are not the rightful owner. '' They also stated that if their decision to close the account was based on information from a consumer report, I would receive a notice of Adverse Action within 30 days, detailing the decision. They assured me that the {$5000.00} remaining in the account would be returned to the originating account within a month. However, they have not returned the funds to my company 's checking account ( the originating account ), and they have not requested any further documentation from me. 

I have called several times since then, but each customer service representative has responded that they can not provide any information or give a timeline for when the funds from my closed account will be returned.
Consumer complaint received 2023-06-27
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. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.