davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
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. (AZ)

I am writing to file a formal complaint against your organization for the persistent and unsuccessful attempts to remove fraudulent items from my credit report. Despite multiple efforts to address and rectify these fraudulent entries, my credit report continues to be marred by information that is both false and damaging to my financial well-being. 

I have meticulously followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that incontrovertibly demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are causing substantial harm to my creditworthiness and financial stability. 

It is imperative to stress that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies and fraudulent activities are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and remove the fraudulent items from my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report. 
Removal of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. I am asking for your assistance to remove the following inaccurate items : 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
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

My XXXX loans were placed into " administrative forbearance '' by nelnet. This was not something that was I, as the loan holder, was ever notified of or consented to. I have four groups of student loans with Nelnet. Two of them are XXXX school loans, which are currently in grace following my graduation in XXXX. The other two are unsubsidized XXXX loans. 

I figured out on my own that the loans were in deferment, by logging into my account to try to set up auto payment. Auto payment, and therefore the .25 % interest rate deduction, could not be applied to my account because a payment was not due. A payment was not due only because my loans were placed in administrative forbearance without my consent. 

On three separate occasions, I have requested that nelnet place my loans into repayment. Each time, the customer service was helpful in making this change. However, a few days after the repayment goes into effect, the loans always go back to being in forbearance, despite assurance from nelnet that this would not happen and measures were being taken to keep this from happening. 

This forbearance is keeping my from making auto payments to my account, causing my loans to accrue more interest due to not receiving the interest rate reduction for autopay, and delaying my student loan pay off by not starting my repayment period promptly after graduation.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

I ordered my free annual credit report from all three bureaus XX/XX/2018, received my XXXX and XXXX  reports but have yet to get my Equifax credit report. The FCRA states that a consumer is to receive their requested credit file no later than 15 days. I dont care if Equifax is having high volumes of equests because that is not my problem, its Equifax responsibility to provide me with a free copy of my credit file within 15 days of requesting it. They are breaking the law and in violation of FCRA, they are potentially ruining my credit by not providing me with my credit report because I have no knowledge of what is on my credit report with Equifax.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, 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)

Please remove the following inquiries in my report. They dont belong to me. I contacted the creditors and asked to send me proof. 
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
Consumer complaint received 2018-07-16
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. (NY)

Hello, This complaint involves the three credit bureaus I sent 2 letters to all three credit bureaus about identity theft and foreign information on my account. I spoke to them on the phone, as well as, sent disputes along with police reports and correct information. The wrong information remains on my credit report and it I causing a negative effect in my life. 
Experian : There is foreign wrong address and an identity theft creditor on my account. I have an affidavit for this account. Also there are inquiries from my credit report that were not mad by me, they were from identity theft. 

XXXX : There is another wrong address which is foreign to me, along with the same creditor of XXXX XXXX which is identity theft. 
XXXX : The same creditor XXXX XXXX ( identity theft ; fraud ), and XXXX is on my report ; along with inquiries from XXXX, that were not made by me. 
The only response that I received was extending a credit freeze and they updated a personal statement on one of my credit report.
Consumer complaint received 2019-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (OH)

Meade & Associates placed an outstanding medical debt of {$860.00} that belonged to my deceased mother in my name and under my social security number a year after she died. I have called them multiple times and talked with XXXX XXXX, collector, and XXXX XXXX, manager. 

I have also sent them documentation showing this debt belonged to my mother, including copies of the bills sent to her, in her name, and at her home address, as well as her death certificate. 

On XX/XX/2019, XXXX XXXX represented to me he would resolve this issue with the manager for erroneous collections. However, rather than resolve this issue, this debt collector placed this collection back on my credit report in XX/XX/2019 after I disputed it with the credit reporting agencies. 

Meade & Associates are claiming that I was my mother 's fiduciary and this makes me liable for her debt. They are basing this claim on a document I signed for my mother and in my mother 's name and at my mother 's request while she was in the hospital. 

I had to sign several such documents for my mother during the course of her illness as her next-of-kin, and this is the only collection that has been filed against me on such a basis after her death. 

I did not furnish the original creditor with my social security number, date of birth, or mailing address. In addition, the original creditor did not send the bills in my name or to me. 

I believe Meade & Associates located my personal information and used it in order to wrongfully collect a debt and wrongfully report the debt as mine to the credit reporting agencies.
Consumer complaint received 2018-07-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (NJ)

XX/XX/XXXX a loan was taken from XXXX. To date, the loan has been switched to Discover Student Loans as this company bought XXXX. In XX/XX/XXXXthe loan was beginning to be repaid. The loan was for approximately {$14000.00} and I have paid back {$16000.00} in seven years faithfully. I work as a teacher at a non-profit school and hI have a salary of {$34000.00} this year. Previously my salary began at {$26000.00} when I began paying back the loan. I have paid back more than the original loan by {$2000.00}. Discover says that I still owe approximately {$14000.00} due to an interest rate of 12.875 % now. I was never told that I could refinance this rate until now.
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was a customer of Bank of America. I closed this account in 2012. I went into the Branch in XXXX XXXX XXXX  and closed my acct. a bill was coming through and I couldnt stop it so I left {$50.00} in the acct and the Bank Representative would final the close Monday. I signed everything. 
Well I also moved to XXXX. 
I dont have the acct number now because I haven't used this acct since 2012. 
So time went on and years went on and I opened another acct with another bank. No problems. 
I went to use a bank check from the new bank and the store said I had issues with a diff acct. I was suprised. I never wrote a bad check. 
I then after years got a email saying my statement was ready ... This was probably 3 years later. They said I owed almost {$700.00} because of maintenance fees and maybe overdraft fees I dont know. I never over drafted. A BoA rep also thought it was strange they kept charging me fees for years on a inactive account which to my knowledge was closed. 
I do not feel responsible for these fees and now they tell me they cant close the acct. 
I actually had {$50.00} positive balance. The bill never went through even though it was pending. 
They never sent me anything that they were gon na start maintenance fees and I never thought the acct was still open. 

Now Ive called many times and spoke to a few different people and they said they would look into it and help and get back to me and I never hear from them. The emails stopped so I thought maybe they fixed it ... I just got a new email my acct is ready to view ... I called and I get the run around. I go from one dept to another ... No help. 

I told them I dont even care to get the {$50.00} back but I dont owe these maitenence fees on a inactive supposedly closed acct. Not my fault..Bank Error I cant afford this. This isnt fair. No one will help or fix this. Its been years and It has embarrassed me with writing checks I have called many times over the last few years and they said they would get back to me and never do. 
Please help me resolve this. 
They can not keep charging someone maintenance fees on a inactive/closed acct. And then they didnt stop charging the fees after 90 or 180 days they kept charging for years. 

I do not feel I owe any of these fees. 
Please help. 
Bank of America is no help and wont remove the fees.
Consumer complaint received 2018-07-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In late XXXX my debit card from Bank of America was used and XXXX $ was stolen off it and in early XXXX my debit card from Bank of America was stolen and XXXX $ was taken out my account now both times I called the bank and filed a claim they recently got back to me and denied my claim saying I stole my own money. On XX/XX/XXXX they took the credit they gave me and also took money I had in my account which now i have a XXXX $ in my checking account. Before they took the temporary credit I had faxed them a written statement explaining the claims and stating that I didnt steal my own money they said they didnt get them so I faxed the same papers 3 more times and they still say they havent received them and that its nothing they can do for me expect try and make me pay the negative balance which Im not go do since Im not liable for the fraud that took place on my account
Consumer complaint received 2018-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I submitted a loan modification package to the lender for review. I was advised twice in XX/XX/XXXX that the loan package was complete and there were no more necessary documents.

I then received a letter changing the rep on my case, and the next letter I received was a letter advising they had not received a package since XX/XX/XXXX, and that no package is in review. 


I went to court last week and the attorney advised that there was no loan modification in review. I called my lender after the hearing and they advised they have a complete package and its with underwriting. 

There has been a complete mishandling of my loan modification.
Consumer complaint received 2018-07-16
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. (PA)

My wife and I had a mortgage foreclosure in XX/XX/2011. It still shows on our credit reports and should not. The sites do not have a link to ask that it be removed. I think this is deliberate, to discourage communication.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

This is a complaint about my XXXX XXXX, which is handled by Citibank , N.A . 

I had setup automatic payments of {$27.00} per month for my credit card, however, the payment was posted approximately 5 hours after midnight on the due date for XX/XX/2018. This seemed to be due to a delay in handling by the credit card company. 

The credit card company charged a {$27.00} late fee, and when I refused to pay that late fee they charged another {$36.00} on top of that. They later reversed the late fee for XX/XX/XXXX, but refused to reverse the one for XX/XX/XXXX. 

In addition to charging fees for problems that appear to be caused by their processing department, the way they apply payments is deceptive. When I make a payment online, the website clearly states that payments will reduce the balance I owe on my 6 month no-interest plan. However, in reality, payments are first applied to any fees before the balance. This has the effect of increasing substantially the amount that they receive in finance charges since the finance charge for the balance is accumulating over a period of months, whereas the finance charge for fees only starts to accumulate from the time the fee is assessed.
Consumer complaint received 2018-07-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCI Financial, Inc (UT)

I have a balance owed with this company ( the Collections department. ) They repeatedly call with no one on the other line when I answer. They also call and do not leave messages, and then email me that they were unable to reach me by phone. I have emailed them to set up payment arrangements but told them in the email not to call me before XXXX because I am working during that time, and that email is the preferred method of contact to reach me. Even after that email sent XX/XX/2018, I have received two more calls since, where no one was on the other line when I picked up. This is very disruptive and harassing.
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Re : AUTO PAY wrong info given by Rep on XX/XX/2018 - called placed to Navient at XXXX XXXX  ( Central Standard Time ) First of all my payment are due on the XXXX of each month to Navient. 

On XX/XX/18, I setup auto pay on their site. Finally, I got a emailed approving request on XX/XX/2018 saying that it would start in XXXX. ( Receiving this on XX/XX/2018 is not TIMELY ) XX/XX/2018, I called Navient @ XXXX XXXX  and spoke to a rep informing him that I did not see where my payment was set for auto pay on XX/XX/2018. The rep assured me that it was set to be auto deducted on XX/XX/2018 - Well, it wasn't! Instead I got email from them on XX/XX/2018 asking me to log in and check my account. When I logged in XX/XX/2018, I found big bright red writing telling me that I had missed a payment and that I could be charged a late fee. So, while I was on the site I went ahead and submitted a pay for {$140.00} for XX/XX/XXXX. If the rep had known what he was talking about on XX/XX/2018, I could have submitted my payment then! 

I signed up for auto pay because they tell customers you can get a 0.25 % reduction interest rate - My payment went up {$5.00}. It is now scheduled for auto pay for {$150.00}. 

on XX/XX/2018 at XXXX XXXX, I sent a email to : XXXX telling them the same thing that I am telling CFPB. 

on XX/XX/2018 @ XXXX XXXX, I called Navient and spoke to XXXX, employee ID XXXX, I told her about me calling Navient and speaking to rep on XX/XX/2018 and asking him about auto pay for XX/XX/2018 because I did not see it on their website. He assured me it would be deducted on XX/XX/2018. I also told her I was concerned about late fees and reporting to credit bureau. XXXX said no late fees would be charged and that Navient only report to credit bureaus if payments are 90 days late - Well, after the experience with the rep on XX/XX/2018, I don't believe it - my confidence in Navient CS is zilch!
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Hey I have a problem with Santander consumer usa, They came  and got my car on XX/XX/2017. I tried to make arrangements to get my car back but they wouldn't work with me. They took my car I had for 5yrs paying XXXX a month the car was paid for. They never let me know where to pick up my belongings in the car and I had my license plate on the car. They never sent me a letter telling me where I could come to the Auction to buy my car back. Santander still has on my credit report that im late every month for a car I dont have. They have different amounts that I owe XXXX for XXXX and XXXX for XXXX, XXXX for XXXX. If they sold my car how come the amount is still high? I gave them over 28,000 over 5yrs the car was pa I d for when they came and got it. I want Santander to remove this account from my credit report!!!! This account is lowering my credit score and I cant get another car and their reporting wrong information on my account. I want them to pay for my car that they too from me and pay for my license plate.
Consumer complaint received 2022-12-30
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. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..