davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
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. (NC)

I have been in the process of correcting errors on my credit report and I disputed some of the inaccuracies with Experian online and they website stopped me and requested that I send in a form with my DL and social security card. I filed Chapter XXXX Bankrupcty so all my items that were included in my BK petition should not show any balances or late payments. On XXXX XXXX, I typed up my dispute, included all the forms that they requested and have not heard any resolutions from Experian. XXXX XXXX XXXX shows a balance and is reporting a late payment which caused my score to drop 25 points as if XX/XX/17. XXXX XXXX XXXX was included in my Bk, Experian continues to report a balance and late payments and they are telling me that they verified this with the creditor. XXXX XXXX XXXX was also included in my BK and they continue to report a balance and a late payment.
Consumer complaint received 2017-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (NY)

My Mortgage is owned by XXXX XXXX and serviced by Seterus. In XXXX, I would have been eligible for a principal reduction for my mortgage of {$100000.00}. We were never informed of this option for our Mortgage. We filed for bankruptcy in XXXX XXXX. Our home was in foreclosure in XXXX and in XXXX of XXXX we modified the mortgage for 45 years this is not acceptable. We should have been offered a principal reduction in XXXX. The home in XXXX was worth XXXX and we owned XXXX. Now the home is worth XXXX and we owe XXXX a principal reduction is the only resealable solution for this problem. The mortgage company will lose more when we foreclose on the home. If we get a principal reduction we can stay in the home and make payments based on the value of the home. The mortgage company will recoup XXXX. If we foreclose the bank will lose much more than {$100000.00}. With a principal reduction, they are guaranteed XXXX. please refer to Schedule A Real Property in attached court documents
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.
Consumer complaint received 2021-11-30
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. (PA)

I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section XXXX XXXX XXXX ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section XXXX XXXX XXXX ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my XXXX because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent.
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I have a Macy 's card funded through Citibank. I travel a lot for my job and on a few occasions I have missed a payment on the card which incurred a late fee. In an effort to avoid that, I set up the payment to be taken automatically from my checking account on the XX/XX/XXXX of every month, the due date of the card. Recently, I noticed that the balance on the card was not going down and after carefully inspecting one of the statements, I determined that I was being charged a late fee. I called the company and they put me onto the Credit Department, who advised me that my due date was changed to the XX/XX/XXXX of the month and that an advisory was sent via e-mail. In addition, it was determined that I have been charged a late fee since XXXX 2015. I received no such advisory regarding a change in due date and I would like all late charges refunded to my account including all associated finance charges from that period. This is more than {$1000.00}.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

My accounts were closed on XX/XX/XXXX without my permission for an unknown reason. Both my checking and savings accounts were closed as shown on the attached screenshot. I had not missed any payments nor received any notice that my accounts were endangered of being closed. I would have expected at the last a phone call and voicemail to contact me directly. I tried calling the Wells Fargo fraud department and they told me they could not figure out why the accounts were closed so I had to go see a banker at the nearest branch. After meeting with the banker he discovered that my accounts were closed due to a social security number error (the checking/saving accounts SSN did not match my credit card SSN) and that a cashiers check with all of my money was being mailed to me within 10 business days and they could not reopen my accounts with my money. Given that those accounts were open in XX/XX/XXXX, it took them 7 whole years before they decided to randomly close my account and leave me without any money as I do not have any other accounts elsewhere. All of the money in my account are student loans so I have no other source of income. Not only am I worried about my checks for around $8,000 worth of loans being sent out in the mail but it is also preposterous that I am being punished (closed accounts) for an error due that the bank failed to catch 7 years ago. Now I am told I have to wait for my checks, and go back to the bank and reopen new accounts. I am unsure if I will go back to wells fargo, especially with the way my accounts have been managed.
Consumer complaint received 2021-11-30
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. (MI)

Several of the Bureaus have not responded to me at all on this issue however, Experian specifically claims to have verified information that does not belong to me and I know can't be verified because I contacted the source of the information that they have listed on their website and they are not reporting this information nor can they verify it. 

The information that I am referring to is the item " XXXX XXXX Bankruptcy ''. 

XXXX and XXXX have completely ignored my request with zero communication to me. I am attaching supporting detail here as well that shows there is no Bankruptcy on " XXXX XXXX ' " Consumer Report for me. XXXX XXXX is the Agency all of which use to verify such information per their very own websites.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc. (SC)

On XX/XX/2021 Medical Data Systems INC. added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the XXXX Medical Data Systems INC. has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2017-08-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MA)

In XX/XX/XXXX/XX/XX/XXXX my mother XXXX XXXX XXXX XXXX pays my student loans automatically each month. I received a call regarding my loan from Navient stating I was months behind. I knew this was not possible since my mother pays this automatically. I immediately made a {$670.00} payment. Both of my mother 's payments were refunded to her. She has since made another {$480.00} payment to Navient on X/XX/17. Since this mix up with Navient and overpayments being sent back, wrong phone numbers, harassing phone calls to both myself and my mother 's cellphone Navient has placed a 90 day derogatory remark on my credit ( XXXX XXXX XXXX ) Both of us have tried numerous times to get this rectified to no avail. I would like this immediately removed from my credit report. Navient is threatening and continues to harass and give both of us incorrect information. This information has a negative impact on my current schooling.
Consumer complaint received 2021-11-30
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. (PA)

Experian Displaying XXXX Account Ending **** XXXX with XXXX XXXX. 
1 ) This Account Has been paid in FULL XXXX ) This account has been Illegibly Charged OFF ( XXXX ) and Under any circumstances can have ANY BALANCE. Charge-OFF procedure is required Setting Account to ZERO by applying Credit to offset Balance.. Charge-off Account having a Balance simply Nonsense.. 
3 ) XXXX XXXX XXXX XXXX Is the CREDIT SERVICES company IS NOT THE CREDITOR and HAVE No Authorization and no Position to REPORT anything. It is a Credit Services Company under Contract. 

Experian Giving XXXX days To Remove 1  ) XXXX XXXXXXXX **** XXXX XXXX ) XXXX XXXX XXXX **** XXXX These Accounts Has been PAID IN FULL on XX/XX/XXXX, XXXX ( *** see copy of the Payments ATTACHED, and CERTIFIED MAIL RECORDS ) EXPERIAN Agreed TO REMOVE OR PAY {$20000.00} In Damages.
Consumer complaint received 2017-08-17
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. (WI)

Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I contacted Transunion on XX/XX/XXXX and they would not remove the inquiries. I am requesting that the reinserted inquiries be permanently removed from my credit report. Here are the following inquiries that were deleted and reinserted : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2017-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management (FL)

XXXX XXXX est. Thursday, XXXX XXXX, 2017 I contact Fox Collection Center via phone and email in reference to an allege debit owed to XXXX XXXX and XXXX XXXX in the amount of {$72.00}. I spoke with XXXX. XXXX XXXX I inform her that I had email Fox Collection Center and XXXX XXXX  and XXXX XXXX a Pay for Delete contract agreeing to pay the alleged debit in full. During the conversation I informed XXXX. XXXX XXXX that I had spoke with the billing department of XXXX XXXX and XXXX XXXX just prior to speaking with her, I inform her that XXXX XXXX and XXXX XXXX had a copy of the pay for delete contract and that XXXX XXXX  and XXXX XXXX was fine with the contract but said I would have to go thru Fox Collection Center to pay the alleged debit because that they are using Fox Collection center to collect the alleged debit. XXXX. XXXX XXXX replied that Fox Collection Center would not review the Pay for Delete contract Nor accept my payment in full.
Consumer complaint received 2017-08-17
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)

There is a collection on my Equifax credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. Equifax still shows it. I contacted Equifax and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and Equifax that can only accept disputes and their investigation comes back wrong. I am frustrated.
Consumer complaint received 2017-08-17
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: Diversified Consultants, Inc. (IL)

There is a collection on my XXXX credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. XXXX  still shows it. I contacted XXXX and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and XXXX that can only accept disputes and their investigation comes back wrong. I am frustrated.
Consumer complaint received 2021-11-30
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. (LA)

I mailed in a copy of my FTC report showing fraud on several accounts. I submitted the FTC report to all three bureaus ( Experian, XXXX, XXXX ) and none of the accounts have been removed or updated from my current credit reports. They are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2020-03-01
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: Experian Information Solutions Inc. (MD)

I was working to rebuild my credit after my XXXX.I applied to XXXX XXXX to get a secured card and I was approved. I was waiting on a check to submit the amount requested for said card. My girl friend said she would do it for me and told me she only needed to transfer funds from her savings to checking. I gave the folks at XXXX XXXX her bank info. Shortly after we get a call from said company that funds where not available and that now the card I applied for was declined. I called yet again for over to weeks and more just to explain yet again how can we straighten it out.. and it went directly on my credit. I never used the card never got the card and I still paid {$100.00}. thinking it would be straitened out but to no avail. Now today got an alert from Experian that my credit score got dropped down 48points.  These folks need to be stopped for this kinda business practice. It is wrong and deceitful! I have much more to say but whats the use.. XXXX XXXX is the worst of all of the company 's offering to help folks rebuild there credit! Crooks at best.. And as for the collection company they never once contacted me regarding this matter! 
Respectfully, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (OK)

The company, FRANKLIN COLLECTION SV, purchased a debt from another company and I had no involvement with the transaction. According to 15 USC 3002, I am a natural person which means the name in all capital letters is not me. My name is XXXX XXXX XXXX XXXX. XXXX5 USC ( A ) ( 1 ) The term " bureau '' means the Bureau of Consumer Financial Protection. XXXX XXXX, XXXX, and XXXX are assumed to be credit bureaus but there is only one bureau and that is the consumer financial protection bureau. 
On XX/XX/1933, Congress enacted HJR 192 to suspend the gold standard into abrogating the gold clause. This resolution declared that " whereas the holding or dealing in gold affect the public interest, and or therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed the provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of Congress... In the payment of debts. This resolution declares that any obligation requiring payment and gold or particular kind of currency or an amount in monetary policy ; and ... Every obligation heretofore or hereafter incurred shall be discharged upon payment, dollar for dollar, and any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mold living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2020-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.
Consumer complaint received 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Auto Finance - support for by phone payments closed XX/XX/2019, not a bank holiday, while my bank ( XXXX XXXX XXXX ) was open. This issue caused a late payment and a credit report of such thus lowering my credit score. 

This same company advertised support on Saturday for phone payments open until XXXX XXXX  Eastern time. I called XXXX XXXX  and am still on hold an hour later. This will again cause my payment to be late. 

Please investigate.
Consumer complaint received 2020-02-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

In late XX/XX/XXXX, I opened a HELOC with Pentagon Federal Credit Union ( Penfed ). The loan was to receive a promotional interest rate of 3.25 % on any balance drawn prior to XX/XX/XXXX. My loan closed on/around XX/XX/XXXX and I drew funds prior to the end of the year to take advantage of the promotional rate. 

In XX/XX/XXXX, I received my first mortgage statement for this loan and it showed the interest rate ( and associated interest charges ) at the standard ( non-promotional ) rate of 5.25 %. I called the Penfed loan servicing department and explained my concerns and they acknowledged the discrepancy as a " known issue '' impact many accounts and that they were working on a system fix. I was told that my account would be corrected and the XXXX payment would be re-calculated at the correct interest rate. 

A month later when I received my XXXX loan statement, it was still showing the incorrect interest rate and there was nothing done to retroactively fix the XXXX payment. Once again I called the servicing department and expressed my concern. As before, I was informed that a system fix was still in the works and that my account would be fixed shortly. Later that day, a customer service manager left me a voicemail confirming receipt of my call and her exact message stated that my account would be fixed and online account activity updated to show the correction no later than Friday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX, I logged into my account to find that it still had no been fixed, despite the promise that was made to me a week earlier. I submitted a secure message to Penfed indicating that they had until Friday, XX/XX/XXXX to fix my account or I would be filing a formal complaint with the CFPB for deceptive customer acquisition practices by offering promotional interest rates and then failing to abide by those terms. I received absolutely no response from this company nor has anything been done to rectify my account. 

This is a complete misrepresentation on behalf of Penfed and the exact definition of bait and switch.
Consumer complaint received 2020-02-29
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.