davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Please remove the following items from my credit file : Incorrect Personal Information : Name : XXXX ( Equifax ) Address : XXXX XXXX Av ( XXXX & XXXX  ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX Please remove the inaccurrate late Reportings on the following accounts : XXXX XXXX XXXX - Date Open : XX/XX/XXXX Bal : {$8.00} ; I was never late. 
XXXX XXXX XXXX  - Date Open : XX/XX/XXXX Bal : {$15.00} ; I was never late. 
XXXX  - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 
XXXX - Date Open : XX/XX/XXXX Bal : {$0.00} ; I was never late. 

Please remove unauthorized inquiries : XXXX XXXX XXXX XXXXXXXX Equifax Mortgage Service Equifax Mtg XXXX ( 2 Times ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage Service Equifax Mtg
Consumer complaint received 2020-06-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

In XXXX, I filed bankruptcy due to job lay off and insufficient funds to cover household expenses as well as personal expenses. I luckily got my job back a year later working for the State of Connecticut, therefore qualifying for student loan forgiveness after 10 years. I have been in loan repayment for two years now and was told all of my loans were accepted. I have been faithfully paying {$220.00} per month ( they calculated that based on my income ) and out of nowhere just yesterday my father ( who was the co-signed on a private student loan in XXXX ) got a letter from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding that he pay {$5000.00} for a private student loan. 1. I never received any phone calls, letters, or emails prior to this informing me of any leftover, unpaid student loans from Navient and all of a sudden a law firm is trying to get money from my father who is the CO SIGNED not the loan owner. How is this legal? I was never confronted by Navient, never even given the chance to arrange any type of repayment with them. I don't understand how this could be legal. Aside from the fact that I filed bankruptcy 2 years ago. I understand federal student loans are not discharged but what about private loans?
Consumer complaint received 2020-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (MA)

I made a purchase in XXXX of XXXX, and applied for an apple card due to a discount if I opened an account. I gave the apple store clerk all my billing information including email address for which I wanted to receive statements. Apple Store uses Goldman Sachs Bank for their Apple Card. My intent was to pay off the card on the first billing cycle to avoid any interest. Having never received a statement, in XXXX of XXXX I was notified of a negative entry on my credit report from a monitoring service that I have. It was from Goldman Sachs Bank of overdue payment ( which I never received a statement ) On calling the Bank XX/XX/XXXX the representative I spoke with stated the statements go out electronically. I explained that I never received any electronic statement and would like to know where it was sent. The representative stated she could not give out that information. I asked for the address to send a complaint regarding not receiving any statements and was given Goldman and Sachs/Apple Card XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX ( In the middle of the current pandemic ) I sent a certified letter to Goldman Sachs explaining the situation and requested mailed copies of statements, as well as provided my email address and telephone number so someone could get back to me to discuss this issue. I also requested all paper bills from this point forward because I was not receiving electronic bills, as well as a redaction of the delinquency in my credit report. Although I received the paper statements up to XXXX in XXXX of XXXX, I still have not received any paper monthly statements. I saw that the email they had on the account is not my email address that I provided to the Apple Store representative for the application. 

The statement stated I owed {$2500.00}. On XX/XX/XXXX I sent a certified letter with the full amount that was owed, stating this was my payment in full to close the account. It was posted to the account XX/XX/XXXX. I also included in the letter to have all correspondence of this account be in writing and gave an address and telephone number. Nothing was ever received from the company. 

I made an inquiry in XXXX of XXXX and found the account was never closed and still accruing interest. When I called and spoke to the representative I was told that all cancelled accounts had to be done over the phone. When I stated that I sent a certified letter with instructions, she repeated that all accounts had to closed by phone. In order to close the account I had to pay an additional {$14.00} for interest ... on statements I never received? 

I find it appalling that a company can do this. I hope this complaint can be rectified and any interest charges that were paid be refunded as they bank was not sending any information as requested in order to payoff and close the account.
Consumer complaint received 2020-09-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Military Mortgage, LLC (WY)

A few days ago, I received a letter from Low VA Rates LLC. I contacted them and talked with an operator and she could not answer my questions/concerns. I asked to speak to her supervisor, and after less than a minute, they disconnected the call. 
The letter states that I have a mortgage with XXXX XXXX XXXX  XXXX XXXX The letter explicitly states that they do not represent this lender, but their records are have proven correct. 
This is an absolute lie. XXXX  XXXX XXXX XXXX is now under a different name, for one, and not only do I not have a mortgage with XXXX  XXXX, I do not have a mortgage period. I have contacted my congressperson 's office and was advised to file a complaint with the FTC. I believe this is an attempt at identity theft or outright fraud from either one or both of these companies.
Consumer complaint received 2020-09-24
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 (WA)

I had an account with Capital One Bank, for a Capital One Platinum secured card. I had the card for about ( 4 ) months, but I decided to close the account because every time I made payments, Capital One would 1 ) Accept my payment 2 ) take money out of my bank account with XXXX XXXX XXXX 3 ) then put a " hold '' on my credit card. I would have to get a representative with Capital One to call XXXX XXXX XXXX while I was on hold to do a 3 way call, this was very time consuming and cost me a lot of time and money so I closed the account. Anyway ... The reason why I am filing this complaint : I paid a {$200.00} security deposit on this particular account, and Capital One wont give it back!!!! It is a security deposit. I have never been late on this account. Ive always paid my balances in full every month. Ive never missed a payment. Capital One won't give my money back!!! This isn't the first time they've done this to me. I dont owe them any money, I have copies of all my statements. Years ago, I had another card with them, they did the same thing but I owed a balance and they put charge offs on my credit report ... but they still held my security deposit! They didnt just apply those charges to my security deposit, and refund me the rest like any other company would do. Capital One needs to understand ... a security deposit is a liability .... it is not their money! They have to return security deposits if their customers show good faith and have exercised good habits during the course of their business relationship. {$200.00} means a lot to me, it may not mean anything to Capital One, but this is my money not theirs!!!
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$1400.00}
Consumer complaint received 2019-05-28
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)

I have been disputing an account that does not belong to me since XX/XX/2019, and all the other credit reporting agencies removed the account except Euqifax. I even contacted the creditor who is reporting the account directly. Yet and still this account remain on my Equifax credit file.
Consumer complaint received 2019-05-28
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. (TN)

I have disputed the late payments on the stated accounts for months. The credit bureaus refused to reverse the late payments. I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP .. XXXX - XXXX XXXX, KY XXXX  XXXX XXXX XXXX , XXXX   XXXX XXXX ( ORIG CREDITOR NAME : XXXX )
Consumer complaint received 2020-09-24
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. (KS)

I filed a complaint with the FTC and a police report for identity theft and sent it to Equifax along with the acct from the ID theft and a copy of my Id and social. 
XXXX XXXX  XXXX and required by law it must be removed and it hasnt been.
Consumer complaint received 2020-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear XXXX/TransUnion/ XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2019-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (PA)

My mortgage was transferred from XXXX XXXX to Specialized Loan Services sometime in XX/XX/XXXX. My XX/XX/XXXX XXXX XXXX XXXX taxes were due XX/XX/XXXX. To date, they have not been paid. Both companies are giving me a a run around regarding why they were not paid. 

Also Specialized Loan Servicing mailed me a short-sale package. My loan was not in foreclosure. I called their third party vendor that handles the foreclosure. They said it was mailed by mistake. However, on this month 's statement, there are foreclosure package mailing fees.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

I FOUND OUT THAT SOMEONE HAD BEEN USING MY NAME TO OPEN UP CREDIT CARD ACCOUNT WITHOUT MY KNOWLEDGE MIDLAND FUNDING LLC # XXXX, MIDLAND FUNDING LLC XXXX XXXX, MIDLAND FUNDING LLC XXXX XXXX i HAVE FILED A FTC AND XXXX POLICE REPORT OF ID THEFT.
Consumer complaint received 2020-09-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: U.S. BANCORP (NJ)

My NJ car lease matured on XX/XX/2020 during COVID times. I care for my XXXX elderly mother who lives with me and I am her XXXX  so I could not get out with the pandemic and my mothers condition being high risk so I couldnt expose her to covid. I was in continuous contact w the lease end dept but kept going in circles getting calls sayingy account wasnt coded to COVID and several other miscommunications. The customer service connection has been horrible. I was never given an Expiration date and am now advised that my account has been charged off I have held this lease for 4 years and have Never been late or missed a payment and now told my credit is affected Im requesting this be resolved and credit issue resolved and I will purchase car if necessary but Im truly not ready but if I have to I will but seeking help to direct me on this matter and clear the credit issue. I have sent the bank a complaint letter today also after all my failed attempts to fix this. I am begging for help on this matter.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2020-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-10-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX I sent over a dispute to Transunion on a charged off XXXX XXXX account regarding metro 2 compliant errors see below. 

The " Date of Last Activity '' is listing XX/XX/XXXX The " Opened Date '' is listing XX/XX/XXXX The " Closed Date '' is listing XX/XX/XXXX *This is not possible and totally inaccurate* Fast Foward XX/XX/XXXX Transunion sent me back results. I get them in the mail XX/XX/XXXX claiming they updated information " BASED ON MY DISPUTE ''. They updated the " Date Updated '' and " Past Due Rating ''. 

NOTHING else was updated nor was the metro 2 errors fixed. These errors are still reporting on my credit file. I have previously disputed with Transunion regarding this account on their inaccurate, incomplete and unfairness many times and they still fail to fix anything. Transunion is still reporting a " Past Due '', the payment history continues to be incomplete not showing the full report history and continuously fails to notice of dispute in the remarks section on my report regarding this XXXX XXXX account. This account has many inaccuracies and I feel as though Transunion is in non compliance and refusing to properly investigate this account. I have also noticed the file number not being changed throughout my dispute process regarding new investigations. I have sent out method of verifications to Transunion on this account and Transunion and XXXX XXXX have failed to provide any information to me on how they verified this account in my previous disputes again showing me that they are in non compliance and continuing to not abide by FCRA laws. This account is unverifiable, incomplete, inaccurate and completely unfair and Transunions reporting procedures is highly damaging to my credit score. 
I will include all my dispute letters starting XX/XX/XXXX, method of verification sent with a return receipt, and all Transunion 's result responses to this complaint. 
Hope you can help me, Thanks
Consumer complaint received 2019-10-07
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. (NJ)

THE DISPUTED UNAUTHORIZED INQUIRIES NEED TO BE REMOVED OFF MY CREDIT FILE. THESE INACCURATELY PLACED INQUIRIES SHOULD BE PURGED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE THAT THEY WERE ON MY CREDIT.
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (UT)

XXXX XXXX received XXXX with police reports from the XXXX XXXX police department XXXX, XXXX including FTCID Theft reports XXXX, XXXX XXXX XXXX, I highlighted the fraudulent charges on the statements they sent me as instructed and mailed all these documents back to them. They have not follow the law by removing these fraudulent charges as according to the Truth in lending Act nor the Fair Credit Billing Act. Additionally, their law firm Gurstel law firm sent me a letter stating XXXX XXXX is stating the my fraud claim is invalid which doesn't make any sense whatsoever. They have police reports, FTC ID affidavits and highlighted statements of the fraudulent charges and the merchants transactions. The names and identities of the people who committed these acts are not listed because that information isn't known as my credit cards were taken from my home and my identity was used in many activities without my permission. When I tried to file a police report when I first discovered what was going on my life was threatened repeatedly by several unknown individuals who later were able to break in my home any time at will they wanted and stole many items of my personal property which is on police report XXXX. XXXX XXXX fails to handle this claim in good faith and keep giving me the run around including sending these debts to Gurstel law firm.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a complaint regarding the repeated ineffectiveness of the Bill Pay system of Bank of America. This details an incident on XX/XX/XXXX XXXX bank accounts were closed ; however this also shut down the bill pay system, despite the bill pay being linked to an external account that had nothing to do with this. We were charged 2 {$39.00} late fees to two of our accounts. 

This is not the first time this will happened. Previous attempts to speak with the company ( last in XXXX ) would simply result in a individual redirecting us to another phone number -- no more useful than another website. Not once would they ever find anyone with any authority to make changes to the account to settle on the matter. 

They have repeatedly charge late fees since XX/XX/XXXX due to these failures.
Consumer complaint received 2019-10-07
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. (NC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX For XXXX/TransUnion/XXXX & Attorney General/Consumer Finance/XXXX.

RE : Request to Block Unauthorized Charges & Accounts from Credit Report under FCRA 605B I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in XXXX The affected accounts are listed below. 
XXXX/XXXX ACCT : XXXX AMT : {$1000.00} XXXX/XXXX ACCT : XXXX AMT : {$3400.00} XXXX/XXXX XXXX XXXX   ACCT : XXXX AMT : {$880.00} XXXX/XXXX ACCT : XXXX AMT : {$3000.00} XXXX/XXXX ACCT : XXXX AMT : {$3100.00} XXXX/XXXX ACCT : XXXX XXXX : {$640.00} XXXX XXXX   XXXX ACCT : XXXX XXXX : {$700.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$800.00} XXXX ACCT : XXXX XXXX : {$660.00} XXXX/XXXX XXXX XXXX ACCT : XXXX AMT : 1636 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from Transunion, XXXX and XXXX, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. TransUnion and XXXX  all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX XXXX
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo refused to permit me to apply for a loan modification in XX/XX/2016 and refused to give me any plausible explanation of why not, except to say I was not eligible. My other lender provided a loan modification without any issues or problems. 

Wells Fargo strong armed me to pay over {$7000.00} after my bankruptcy and never provided a plausible explanation. Wells Fargo then filed a Notice of Default forcing me to pay their demand in order to avoid foreclosure. Wells Fargo never rescinded the Notice of Default in the court record as required.