davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NY)

ditech said i owe back payments talk to a lady and made a deal to catch up on payments so i been making extra payments.but i keep getting letters from them that i haven't made any payments an i get conflicting letters telling me different amounts i still owe them.the lady is rued on the phone they do not know want they are doing it seams to me they just want my house and keep telling me there are going to foreclose on me.i don't know what to do anymore i am stressed out about this.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc. (NY)

A utility bill was placed in my name fraudulently. I spoke with company representatives several times over course of few weeks. This was about between XX/XX/XXXX-XX/XX/XXXX. Eventually they ask me to pay debt, {$100.00}, and they would notify gas company and then remove collection from my credit files. But after I did, the supervisor did not honor this promise and was rude about it. They did nothing to rectify situation even after debt was now paid and refused to remove collection, which I told them was not mine. I have been disputing this information for a long time now with the credit bureaus but the collection company just keep updating it.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In XX/XX/XXXX I filed an identity theft complaint with the FTC after a XXXX XXXX XXXX XXXX XXXX. XXXX, GA. XXXX came back associated with my social security number during a pre employment background check and credit check. I do not know who this person is. The FTC requested that I get my credit report. When I attempted to get my free annual credit report all 3 reporting agencies denied my request and told me I needed to take additional steps by proving documents for example before they would issue me my free annual credit report. This is not the first time they refused to provide me with my free annual credit report, they refused me in XX/XX/XXXX, and XX/XX/XXXX as well. Without the credit report the FTC said they could not assist me with my identity theft complaint. Again today XX/XX/XXXX during a pre employment background check and credit check conducted by XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX. XXXX, GA. XXXX came back associated with my Social Security number ; again I do not know this person. Again I spoke to the FTC and again they told me to get a credit report and again the 3 credit reporting agencies refused to provide me with my free annual credit report.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

Last week XX/XX/XXXX I contacted American Express after I received a letter from American Express dated XX/XX/XXXX ( a copy is attached ) in which it stated that " American Express offers payment options for card members who may be experiencing financial difficulty. '' While trying to contact an American Express representative I was given a recording in which it was stated that American Express had only outside debt collection agents in which I would have to pay a fee. Yet in XXXX, XXXX I was told that American Express had a debt settlement program for 5 yrs, 7 % interest and a monthly payment of {$290.00}. 
In the letter dated XX/XX/XXXX American Express stated " we provided accurate information and serviced your calls professionally ; this statement is completely false!
Consumer complaint received 2016-11-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Several years ago, i was on unemployment. at some point unemployment agency miscalculated stating i was overpaid. shortly they said it was ok and I do n't owe anything and I had no action items. 3 months ago i applied for credit card and was declined, finding that i have a Lean on my credit. I called the superior court and they said that i was fine and that they have a letter of satisfaction for me to pick up. I picked up the letter and began process to fix my credit. I filled filed a Dispute for Transunion on XX/XX/2016 but never got a response since. it has been nearly 2.5 months and i still do n't have resolution to my credit. Please help. 

Please call me at XXXX or email at XXXXXXXXXXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : ________________________________________ Incorrect Information to Be Removed : Incorrect Names : 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 2018-06-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMO Bank, N.A. (MO)

Reference previous Complaint number : XXXX I was not given complete and accurate information of the following issues : 1 ) What date was the equipment actually taken to auction? 

2 ) Please provide copies, cost, and any other information regarding all advertising for sale. 

3 ) Since I was never informed that the equipment did not sale at auction on XX/XX/2017 ( date I was given for the auction ) .please provide date and proof of sale. 

4 ) When was repo title applied for and obtained. Please provide a copy of the repo title.

5 ) Since there were no mechanical issue with the truck at the time it was returned, exactly what repairs were deemed necessary? Please provide original receipts for all repairs done to the equipment 6 ) If body work was done to the equipment, please provide original receipts of repairs as well as before and after photos.

7 ) Please thoroughly explain how you calculated the amounts given on form 1099A.

8 ) Please justify yourself in selling a piece of equipment valued in excess of {$160000.00} for {$120000.00} NOTE : Since I am being asked to pay a balance you show of approximately {$8500.00}, I feel I am well within my rights to ask for proof of any and all monetary expenses incurred after the equipment was returned to BMO Bank.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion shows my XXXX XXXX with XXXX and XXXX XXXX as XXXX while my XXXX card ( with Transunion ) states my score is XXXX. XXXX and XXXX XXXX state reasons my credit score is low is due to a bankruptcy. I have contacted Transunion three times about this and am told there is no derogatory information or bankruptcy reported on my report and can do nothing about my credit score discrepancy. XXXX and XXXX XXXX tell me to take it up with Transunion. I'm getting the run around and merely want my credit score to reflect the correct amount.
Consumer complaint received 2018-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (MA)

1 : I applied for the XXXX XXXX Prepaid Plan. After reviewing that I have signed the payment completion order, XXXX XXXX will not send my order to various issues. Also limited my 2 : I opened PayPal 's PayPal credit account, when I bought a very smooth shopping ready to complete the payment order, waiting to send my phone 's verification code to verify my personal information, I enter the verification code verification result verification is wrong, I The customer service staff who had called and consulted answered the verification code again. I repeatedly asked the customer service staff to confirm the verification code and enter the verification code. The last error was inconsistent. I think the paypal card is actually just a fake digital wallet. Unable to use, PayPal deceives consumers. Because I consult customer service, customer service can not answer, transfer topics, and finally hang up. 
I can't use PayPal credit payments, PayPal cheats consumers, and my credit report doesn't show that I open a PayPal credit account. 
I must complain about XXXX XXXX and paypal.
Consumer complaint received 2018-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (PA)

I have no debt and these calls are getting very irritating, Keep getting scam calls I talked and reported to trade commission on XX/XX/18 filed claim ref : # XXXX they told me to call you I did same day you told me to call XXXX one more time and try to get it settled, plus get robo call block, I have done everything and still getting calls after calls it gets so bad I have to unplug phone for I live alone and not in best of health, also they refused to give me Internet without phone
Consumer complaint received 2018-04-23
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: Total Card, Inc. (FL)

This company is at this point defaming my character. I have Sent ID theft letters and they are failing to validate the in formation in which they are trying to collect. I have been at this for several months. Trying to obtain any LEGAL validity that the allege Inquiries are mine and they sent back a generic statement. I was a victim so that's inaccurate and under the FCRA and FDCPA laws. this information has to be removed. as it is preventing me from normalcy after the ID theft Storm
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX my car along with some of my neighbors cars were broken into, and my phone and wallet was taken. Police was called where a report was filed and my phone company was notified. Neighbors reached out that same day saying the found some of my cards in the bush on my street, because of my work schedule and theirs I couldnt meet with them until the XX/XX/XXXX to get it. On XX/XX/XXXX I contacted my bank due to my American Express not being part of the cards that were located. They rep told me of transactions made on the account on XX/XX/XXXX. I informed the rep what happened and she filed a dispute. American Express denied my dispute and I refilled it in which the denied it again. I reached out to the police and merchants In question and they told me to contact my bank. I contacted my bank again and she told me to send information that shows my phone was stolen in which I did. After speaking with a rep and supervisor, they told me they will file an appeal. Later, I was informed they cant file an appeal because it shows the phone that was stolen was an XXXX phone and it says on my dispute I had never done business with XXXX Pay before. I informed the rep that the phone stolen was an XXXX phone but I have never done business with XXXX Pay, nor is any of my cards linked to them. She says because I had an XXXX phone that was stolen they can not appeal my claim for {$2400.00}
Consumer complaint received 2018-06-25
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. (CO)

In XXXX of this year I applied for the IBR and had not revived a response on approval. I was offered forbearance and felt forced to take it as a result of not being able to get a hold of Navient. Despite harrassment almost every other day with them filling up my inbox they never called or sent a physical letter until last week threatening action with wage garnishment or tax penalty and so on. I did attempt to reply to the email and it was not responded to. This has effected my credit score drastically and it's become damaging to the point where it is impossible for me to rebound back from. I have never had an issue before and I was always able to renew my IBR yearly. I was told I needed spousal signature but we never able to log in. Either times it was submitted. Evn after I have gotten a ton of emails saying I owe more and more.
Consumer complaint received 2018-06-26
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (SD)

My loans were originally with XXXX XXXX and XXXX XXXX bought them out. Well in XX/XX/2017 I had called in to get some information on my loans. After speaking with a representative I went on to get 2 more calls that same day. That clearly violates the FDCPA and I advised them not to call my cell phone anymore. Well the next day I received another 2 calls from them from an automated dialer and therefore I called them and advised them that also violates the FDCPA. After that I was frustrated and offered them a settlement on the account in which they rejected. As of XXXX Navient has been speaking to me because they were the servicer at that time and XXXX XXXX the guarantor. I advised Navient of the same thing. Either settle on the account for the violations of the FDCPA and or bring the balance to 0 considered pain in full. I also advised Navient not to call my cell phone as my employer pays for it. Well they didn't listen to that and I proceeded to get another few calls. After a while they stopped. Well last week XXXX XXXX XXXX whose parent company is Navient called my two sisters. First thing they said is this is an attempt to collect a debt how do we get ahold of XXXX. Well stating it was an attempt to collect a debt that clearly violates the FDCPA. Both of my sisters advised them not to call there cell phones they said okay wont happen again. Well my one sister got another call today and first thing that is said is this is an attempt to collect a debt. My sister was not happy as she specifically told them not to call her cell phone. well since they called her again and they advised it was an attempt to collect a debt that's another two violations. I want this balance taken to 0 considered paid in full to reflect that.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica (AZ)

In XXXX I was asked to guarantee a loan for the company I worked for - XXXX   XXXX XXXX. The amount was {$44000.00} to guarantee to Comerica Bank. XXXX told me it would only be for a few months. I left the company in XXXX as XXXX brought in new management. I received letters from Comerica that they were going to send my money to unclaimed funds for non-activity. I withdrew {$40000.00}. In XX/XX/XXXX Comerica threatened to sue me if I didn't return the money. I did. In XX/XX/XXXX I received a letter from Comerica stating that XXXX had defaulted on its loan and they were confiscating my {$44000.00}. According to the documents I signed, I was to be notified of any changes or modifications to this loan, as a guarantor. I was never notified of any changes or modifications to the loan that they made with XXXX. As a result I contacted a lawyer and should receive my money, however Comerica is not releasing it and has put a hold on it. I have been corresponding with : XXXX XXXX XXXX, Vice President Comerica Bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX Email : XXXX ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax They will not release my funds after breaking their fiduciary duty with me and breaking the bank covenants with me. Please help me with this. My phone # is XXXX and email is XXXX. Thank you so much, XXXX XXXX XXXX
Consumer complaint received 2018-06-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NJ)

About a month ago I requested to change the address for a credit card in my name that is for a XXXX XXXX that I serve on its XXXX. I was initially told that it could not be done without another XXXX members okay. I subsequently found out that the address for the credit card statement was in fact changed however to my personal address. When I attempted to fix this I was again told that I could not accomplish this without another Board members okay. However within an hour of this as I was directing another XXXX member to assist me in this change I received an alert that all of my personal account documents were going to be forwarded to the XXXX XXXX that is in another state. I immediately contacted another bank representative and was told at the conclusion of my conversation that all was corrected. A day later I received another notification that my personal credit card statement was to be forwarded to the XXXX XXXX. Because of the continued incompetence of the bank representatives via telephone conversations I decided to visit my local bank representative and at that time she corrected all the previous mistakes. 
My concern in this situation was that had I not kept on top of this my personal banking and credit card documents would have been accessible by someone that I did not provide access. 
My initial conversation occurred in XX/XX/2018. My subsequent conversations were on XX/XX/XXXX and XX/XX/XXXX. I visited the bank personally on XX/XX/XXXX. On XX/XX/2018 I was contacted by an executive with the bank and I reiterated all that I have mentioned above. When I asked what would be done I was told that they would investigate and take necessary action. I then asked that a letter be sent to me describing what was done and to acknowledge our conversation and was told that the bank would not do that. 
The bank is Wells Fargo.
Consumer complaint received 2018-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

The amount for my loan has increased, which to me makes no sense this has never happened before and I have been making payments on time every month for the past year. I have previously been placed on a wage garnishment which was supposed to be because they were not receiving a XXXX $ monthly payment, if it wasn't the payment then it was paperwork. I also had made payments to a company who told me that they could help avoid the garnishment and get me on the right track which turned out to be a lie. ( wasted money, time, effort, and personal information ). My original loan amount was XXXX and that tripled to XXXX which i had gotten down to XXXX but is now back up to XXXX and I have never owed that much in student loans. I have yet to receive paperwork on how Navient is charging me interest, which as i said has never before happened.
Consumer complaint received 2018-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX bank company use Social Security card number to open a personal credit card on my credit profile for XXXX Trans Union and XXXX. They can close the account out with remark saying account closed by consumer. Resulting in downgrading my credit. XXXX XXXX also close three accounts of checking business checking and savings and reopen them to further their portfolios. I've contacted XXXX XXXX and have nothing but run around with entry-level position people at the call center is what language barriers. If I were to use on my Social Security card number open a credit card committing fraud I would go to jail nobody has gone to jail.
Consumer complaint received 2018-05-11
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. (CA)

XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Equifax EQ # 1 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 3 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EQ # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # 1 XX/XX/XXXX sent, response recieved, XXXX XX/XX/XXXX, no changes XXXX # 2 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 4 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # 5 XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.