davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I want the balance to be reflected correctly ALWAYS. This issue has been disputed in XXXX and Equifax at least twice now. They find that XXXX is incorrect and then amend. Then a month or 2 later XXXX bumps the balance up several thousand dollars again. Each time causes a big hit to my credit score.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (TX)

JEFFERSON CAPITAL SYST is reporting that I have an open balance of XXXX on three of my credit reports. I have never received any corresonpondce from this company informing me that I have an outstanding balance explaining the nature of the debt. The debt balance has initially been from XXXX that was a dispute that while was XXXX in XXXX and was charged-off sold to XXXX XXXX XXXX, which I disputed the amount owed with several times. In XX/XX/XXXX, the company removed the balance from my credit report. I recently pulled my credit report and seen that In XX/XX/XXXX, JEFFERSON CAPITAL SYST place this on my account as a past due account, which is inaccurate information and is reporting a of XXXX is a revolving line of credit. I would be grateful for any assistance to resolve this matter because I won the dispute with XXXX XXXX XXXX for faulty collection practices.
Consumer complaint received 2020-06-20
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. (FL)

Around XX/XX/XXXX, I enrolled in college that I had seen on TV called XXXX University. I had watched them on TV and fell for the promises to get a better paying job once I graduate. I graduated from XXXX University with a XXXX XXXX in XXXX XXXX and I was very excited, but I later was unable to get a job in my feild. I decided to go back to school for my XXXX XXXX in XXXX. I enrolled in XXXX  XXXX XXXX at XXXX only to learn that my credits from XXXX University were not fully accredited to proceed to get my XXXX XXXX. They told me that in order for me to get my XXXX I woulds have to get another XXXX XXXX because I went to a school that was not accredited. I am one class away from recieving my XXXX XXXX at XXXX  and I am currenlty taking classes recieve my XXXX  XXXX  XXXX XXXX XXXX. On my credit report right now it shows that I owe a total of {$57000.00} for XXXX University dba XXXX XXXX and I dont think its fair that I have to pay that considering that they have a numerous lawsuits and enforcement actions against them and also because the college was very decieving. XXXX University is no longer a University it closed in XXXX.
Consumer complaint received 2020-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (OK)

Guild mortgage has failed to removed my pmi, it has been over 4 weeks and they billed me for the pmi once after I was below the amount required and told by one of the managers I qualified to have it removed. Guild mortgage does not seem to want to comply. They told me 5-7 days not 5-7 months or years.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

MY COMPAINT IS WITH XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. FOR WRONG REPORTING OF INFORAMTION. I PULLED MY CREDIT REPORT AND FOUND XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX GA XXXX. IS REPORTING XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX. ACCORDING TO XXXX XXXX THIS ACCOUNT LAST REPORTED IN XX/XX/XXXX. THAT NOT TRUE I STILL OWN THE CAR I MAKE MONTHLY PAYMENT ON CAR TO XXXX FOR {$400.00} A MONTH. ALSO THE REPORT AS OF XX/XX/XXXX IS REPORTING BALANCE WRONG {$12000.00}. THE LAST ACTIVITY OF XXXX XXXX THAT REPORTING WRONG.. THE HAVE ON THERE 48 MONTHS THAT WRONG. 30 DAYS WRONG 60 DAY REPORTING WRONG AND 90 DAY REPORTING IS WRONG. IS SHOWING 48 MONTHS THAT NOT TURE IS A 79 MONTH LOAN. THE REFUSE TO REMOVE THIS INFORAMTION. I SENT OVER DOCUMENT OVER TO CREDIT BUREAU THE WILL NOT REMOVE REPORTING. THE STATE THAT THE MAKE SURE CREDIT REPORT IS ACCURATE.
Consumer complaint received 2019-10-15
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. (GA)

I DIDN'T AUTHORIZE THESE INQUIRES. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automobile Dealers, New ( XXXX ) XXXX XXXX  Inquiry : XXXX XXXX, 2019 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX : XXXX. XXXX, 2019 XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KY)

I've contacted the company numerous times since XX/XX/2017 pertaining to a collection from XXXX that's reported on my credit report. I've requested that they send documentation validation the collection but they've failed to send me any documentation upon my request.
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

I got divorced in XX/XX/XXXX, so I had a reduction on income and had a Loan Modification around XX/XX/XXXX, through Select Portfolio Servicing. My interest Rate was at a non-fixed rate, so they fixed it at 8.75 %. They also reduced my payment by {$400.00} while they were doing the Loan Mod. A couple months later when they fixed my interest rate, they said that's all they could do to help my payment went back up to the Regular amount it was before I called about a Loan Mod. They reported me to the Credit Bureau as late during those 3 trial months of the Loan Mod. I have noticed that only around {$35.00} a month was going toward my principal each month, so a couple months ago I called them to get a amortization Schedule to see when more would go on the principal. I purchased the house in XX/XX/XXXX for {$150000.00} now in XX/XX/XXXX .... 12 years later I still owe {$140000.00}. I knew something wasn't right. The person I spoke with at Select Portfolio told me they couldn't give me an amortization schedule because I was on a Balloon Payment and they I better hurry and start making extra payment because I will still owe around {$100000.00} at the end of my 30 year note! I told them I never would have agreed to something like that and the home mod was suppose to be helping me, how was that helping me?! I asked for them to send me paperwork stating all of this and they still haven't sent me anything, that's been a few months ago now .... I am confused and feel I need to sell my house to get out from under this terrible scam they are doing. I need help.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Plus Inc (CA)

This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

I have a auto loan with Wells Fargo dealer services. I called on Tuesday XX/XX/XXXX to close the loan. I was told Im not allowed to make payments over {$4900.00} and would have to make 5 separate payments over the next 5 days but only 2 payments can be scheduled at a time. Or I would need to pay {$65.00} for a wire transfer fee and estimate the days required for them to process it and add additional interest. I dont feel its right to be forced to pay interest because the bank cant handle a payment. After looking at all payment options it appeared to be cheaper to make 5 payments of {$4900.00} until it was paid off. However the first payment I made they applied to the next 4 months of payments rather than the principal and charged additional interest on top of the daily interest. I am now forced to drive an hour and pay cash in person at the bank. I dont think they should make you jump through hoops to make payments and charge interest whenever they want. The customer service representatives stated that anything additional would be applied to the principal. That was a lie. It was applied to the next 3 payments and additional {$18.00} in interest was charged. I always pay on time and have had multiple car loans. No other loan company has ever been so dishonest or make it so difficult to make a payment. They would rather just squeeze you for as much interest as they can.
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I've had to put my home on short sale 3 years ago because XXXX keeps denying that they did something wrong. I see that they are settling law suits for bogus and inflated loans. I provided all of the psperworks where my income was inflated inorder to refinance. They told me that at that time, there wad no imcome check and why did I had to provide my income with copied of XXXX and pay stub. I need to knoe who or where I can go to to have them review They have closed my case and I feel that they were XXXX XXXX me. My husband XXXX passed away and my child and I was literally out of a home. My address was XXXX XXXX XXXX, XXXX Florida XXXX. My # is XXXX.
Consumer complaint received 2018-08-02
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. (IL)

I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX XXXX  treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.
Consumer complaint received 2018-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

We have a XXXX loan ( purchase and renovation loan ). The process with Wells Fargo was terrible. Our appraisal came back low and even though we sent them houses on our same block that were valued for more they did not force the appraisal company to revisit the final report. Because our neighborhood is improvised they even discounted the value of our home even more. This was not fair since homes were selling for more in the same neighborhood. We felt discriminated against since we live in a low socioeconomic area. WF changed reps many time during the process so there were time lags as well. We had to write numerous letters on the same topic. One rep would promise one thing then they would leave and we would have another rep. We quickly responded to every request but to keep pressing for a close date then we were told the interest rate had to be increased since so much time had gone by. We felt we had to accept so we could close. We finally closed in XXXX after starting the process the prior XXXX. We now need an extension of this loan because it took us longer than expected to get permits from the City of XXXX. Even though this was not all our fault ( see letter attached ), WF will not extend our loan or roll it into another loan. We are in midconstruction and cant get another loan in TX until XXXX.
Consumer complaint received 2020-06-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Redeemed a IRA CD with a maturity date of XXXX XXXX XXXX and was charged a no disclosed fee off XXXX dollars. 

The contract I signed said nothing about XXXX dollar fee! 
In response the bank sent me a letter claiming the was discussed with me prior which it was not and added a fee schedule dated more than a year after I signed the document. 

Not fee was discussed with me at time of signing document and no fee schedule was added.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX  XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX XXXXnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXX   # XXXXUnder DisputXXXX XXXX XXXX XXXX IDispute XXXX   XXXX XXXXUnder Dispute all were filed to ftc
Consumer complaint received 2020-05-01
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)

SOMEONE USE MY NAME TO GET MEDICAL ATTENTION ALSO OPEN UP FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IN)

I have a Macya credit card ; it is issued by Department Stores National Bank pursuant to a license from American Express. 

I cant find the interest that I am being charged on the online statement or anywhere on their website. 

I only get an online statement. I called them and was unable to speak to a customer service person.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Received a phone call today, just recently added this phone number to my name. 
Did not answer the call and no voice message was left, however as it showed on caller I.D . to be a local number I called the number back. The message stated this was Portfolio Recovery and is a debit collector and attempting to recover a debit. How ironic, because I filed Chapter XXXX Bankruptcy last year and they were on the list of creditors. They did not attend the meeting of creditors in XXXX of 2019, and the Bankruptcy was Discharged in XXXX of 2019. When a woman came on the line she informed me the call was being recorded, good I told her because there is no reason for them to be calling me. Told her my Name, I completed Bankruptcy and they are making a mistake calling me and to NOT call my number again. 

This is a terrible organization, they even attempted to garnishee my wages even though they would told several times I was filing Chapter XXXX Bankruptcy. They even mailed my employer at the time the order to garnishee my wages. 

They need to held accountable for their actions, and maybe the call to me was in error. I will keep records of any further contact from them.
Consumer complaint received 2020-05-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My checking account with Bank of America had fraud in the amount of XXXX, they refused to investigate and remove the charges therefore, putting my account into a negative balance and closing my account. I have contacted the bank on many occasions, with agents refusing to help me. This has been damaging to me personally and financially. All I ask is that they remove the fraud charges on the account, they refused resulting in the closure of my account and damage to my credit report. Please I need help, and do not know where to turn for resolution.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-05-01
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. (SC)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (TX)

** Out of network XXXX  assistance XX/XX/XXXX by XXXX XXXX was not authorized. Any bill is invalid. ** XX/XX/XXXX Date of service. XXXX XXXX of XXXX XXXX XXXX claims to have performed XXXX  assistance. [ I never saw him, never talked to him, never authorized him to do anything ] He billed my insurance XXXX and was denied because he is out of network. I never authorized him, only the primary XXXX who was in XXXX network. 

XX/XX/XXXX - received {$270.00} bill.Talked to XXXX XXXX, billing manager XXXX XXXX XXXX, disputed bill and requested documentation of my authorization for the service. No response. 

XXXX No contact from XXXX XXXX XXXX. 

XX/XX/XXXX - Unpaid bill reported to credit bureau. 

XXXX No Contact by XXXX XXXX or collection agency. 

XX/XX/XXXX - Noticed lower credit rating. Called XXXX XXXX XXXX billing about dispute. Phone rep told me the collections agency is Capital Accounts and took a note for XXXX, Account Manager, to call me back. Also said Provider, XXXX XXXX picks up messages once a month. 

XXXX No contact from XXXX XXXX XXXX billing or XXXX XXXX. 

XX/XX/XXXX - Dispute letter sent to Capital Accounts. Responded only with a bill, no documentation that authorized the billing. 

XX/XX/XXXX - Submitted Texas Department of Insurance complaint. 

XX/XX/XXXX - second letter to XXXX XXXX XXXX - XXXX XXXX, requesting removal of credit bureau filing to clear my credit because he has been unable to support bill with any response or documentation.