davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (IA)

As of XX/XX/year>, my school announced its closure. XXXX XXXX is the school I attended and where I applied and received financial aid. Im uncertain if Im obligated to repay the loans back due to I was out of college for some of my XXXX year at the XXXX year institution. I were dealing with complication with XXXX personal life at home and eventually became XXXX. My college was made aware of my living conditions and decided to place me on leave for the remainder of the semester until Ive manage to solve my personal troubles. I decided to come back but when I did I was made aware of its closure and was really worried about my academic standing and FASFA deadlines and status of loans.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was completely shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I routinely check my credit report, but this time, these errors just appeared out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the incorrect accounts were still there. This issue is incredibly stressful, so I urgently request that the documents I've provided be reviewed thoroughly to ensure I dont have to worry about this again.
Consumer complaint received 2020-10-06
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 — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC (FL)

ShellPoint Mortgage company 1 ) They put my mortgage into forbarance at the hight of the Covid-19 Pandemic without my permition 2 ) They raised my Mortgage rate by {$200.00} a month without informing me even after several verbal communications on the phone 3 ) As a result of # 2, They claim that i was behind on my Mortgage payments even after i sent proof that i paid every month on time.

4 ) Response times were 30-40 days from email communication with company I now have late statements on my credit report and a forbearance that was not approved by myself or my wife
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Social Finance, Inc. (TX)

I contacted SoFi to determine who owns the debt, and they insisted that they no longer owned the debt and the debt had been sold. However, they continue to report negative information. If SoFi no longer owns the debt then they should stop reporting effective the date sold. 

I've paid to settle the debt, but am unable to get a clear confirmation of how to resolve the issue on my credit report as both companies are directing me to each other and neither are able to assist but took my money.
Consumer complaint received 2024-11-19
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. (CA)

This is my first requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Aft

er purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2024-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (ND)

My checking account has been usually debited every month. Last payment transaction was on XX/XX/year>. Then the auto policy was switched to the XXXX from XXXX effective XX/XX/year> by my insurance agent. I never received any communications ( email or postal mail or phone call or text ) from XXXX. Then I received a text from Credit Collection Services ( a letter on the same day ) on XX/XX/year>. I thought it was an identity theft. I called XXXX service and got through XXXX service to confirm if the collection was indeed legit. I paid with my credit card on the call right away. My concerns are that XXXX unfair targeted practices to ruin my credit record and poor communication with its former customers.
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I made a purchase at Apple.com, signing up for their Apple Card ( Goldman Sachs ) for a financing offer on XX/XX/XXXX. Part of the order was not due to ship for a month ( manufacturing backlog ) and part of it shipped immediately. 

On XX/XX/XXXX, I decided I would buy the items locally and cancelled the order with Apple. I immediately shipped back for the part of the order I received and shortly after receiving the return, Apple refunded  me for that, however the part of the order that hadn't shipped yet was still " pending '' on my card and the card was still showing a balance. 

I contacted Goldman Sachs ( who backs the Apple Card ) and explained the situation. They told me Apple had to release the pending charge and then transferred me to Apple. The Apple rep told me it was Goldman Sachs who is holding the pending charge and told me to contact them again. 

I give it some time to hopefully allow the pending charge to fall off and 2 weeks later, on XX/XX/XXXX, contact Goldman Sachs again, who proceeds to tell me it's Apple issue. In the meantime, Apple support had already emailed me a Credit Memo, showing the credit of the returned merchandise but absolved itself of the pending charges as they are not the bank. They insist there is nothing they can do about this. 

After a quick XXXX search, I'm seeing other Apple ( Goldman Sachs ) cardholders are having this exact same issue and are stuck in this infinite loop of being tossed between merchant and bank support.
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In XXXX of XXXX, my ex-husband and XXXX XXXX XXXX requested that I be removed from the deed to the home so he could qualify for the mortgage on his own after being awarded it in our divorce. I happily complied and was not privy to the new loan terms because my credit and income were not used to qualify. They changed the mortgage terms without my consent, wrote " N/A '' on the new note 's signature line for me, yet continue to report to credit to this day. It is illegal for a creditor to report a liability to one 's credit if their signature is absent and they have not agreed to new terms. I have since gained access to a copy of this new Note, which they do not admit exists when disputed with the credit reporting agencies. A contract can NOT be modified without all parties ' consent, and I would have NEVER agreed to the recitals, an increase of {$100000.00}, a deferment of {$240000.00}, or this balloon mortgage with a 50-year term. This reporting has caused significant credit score damage over the last ten years because of the high credit limit of XXXX ( original balance ) versus the now XXXX balance, late payments on my ex-husband 's mortgage, and, most recently, his preforeclosure proceeding. After XXXX serviced the loan in XXXX, it went to Bank of America for servicing, which began the preforeclosure process. I spent years disputing this account, and no one wanted to acknowledge the errors in that process and reporting regarding their inherited mortgage. It was service transferred to XXXX XXXX XXXX, and they have further damaged my credit and continue to report even after referencing the modified mortgage note with my missing signature. In fact, XXXX doesn't even claim they have a copy of the XXXX note, which only my ex signed, yet they are reporting the terms of it to my credit. Just recently, I received a call from Bank of America again regarding a loan that has some connection with that home and mortgage, and I am fearful again that this vicious cycle will continue. It is fraud to write " N/A '' in a live and well person 's signature line. That note should not have had my name listed if they were not in need of my signature, and it should certainly not be reporting to my credit with terms I did not contractually agree to. XXXX, Bank of America, and XXXX have XXXXnored my requests to remove this from credit, and they have ignored the legalities behind reporting a liability that was not executed. I was not required to sign because I no longer had an interest in the property, and my credit and income were not used to qualify. THEN WHY IS IT BEING REPORTED AS MY LIABILITY???????
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (CA)

A credit reporting service named RentDebt recently started reporting that I have an outstanding balance owed to an apartment community for {$5200.00}. There is no way my outstanding balance could remotely be that high. I have contacted RentDebt directly, and asked them to send me a complete account detail, showing all of the charges that constitute the {$5200.00} in charges that they are trying to collect. I am also aware that this apartment community re-leased my apartment, shortly after I left. So I believe what's happening is that they are attempting to charge me full the full amount on the remainder of my lease, despite the fact that the residence was re-leased. Its illegal for them to try to hold me to the full term of the lease if they re-rented the apartment, so I also asked for the date my old apartment was occupied once I left. Of course, I have not gotten that information either.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Today, XX/XX/2020 at approximately XXXX I received a notification from Chase Bank of a XXXX transaction to the XXXX for membership. I realized that I selected the wrong tab and immediately called Chase Bank ( XXXX & XXXX ) to cancel the transaction so that I can pay the intended amount of XXXX. I called and bank multiple times ( XXXX & XXXX ) and spoke to different representations plus a supervisor after my original conversation to try and stop this transaction but each time the bank refused to stop the transaction and informed me that this matter needs to be resolved with the merchant. I have called the merchant multiple times but no one answered the phone and it was communicated to each representative that I spoke with. The only resolution that was communicated with me is that this is a matter for you and the merchant to resolve.
Consumer complaint received 2016-05-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has repeatedly charged insufficient funds fee when there are no funds in the account, and they send out notices to that effect. Rather than stop all payments on debit charges and ACH debits, since there are bank records stipulating that account has no funds, they repeatedly decline charge and re-charge insufficient funds. This is definitely a rip-off scheme when Wells Fargo continually make an account negative by adding {$35.00} per item over and over. Further, when I first had an issue with a charge and not enough funds and a check was going in the same day, they would not post deposits, until AFTER an insufficient funds status was used.
Consumer complaint received 2020-09-11
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: AES/PHEAA (PA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 )  within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (MN)

I was recently a victim of fraudulent check scam that involved a girl ( Name : XXXX ; Email : XXXX ) who contacted me online through a website called XXXX for sublease. She asked me to deposit checks to my Wells Fargo account and was later asked to transfer the money back to another Wells Fargo account provided by her. Once I deposited the check, the funds were made available immediately by the bank without clearing the check with the other bank ; in this case the XXXX Bank, Texas. ONLY due to this immediate fund availability, I was able to transfer funds to the account provided by the person of interest in this case of fraud. Wells Fargo did not make me awake of the " Overdraft facility '' associated with my account which in the end enabled me to transfer the money to the account. Currently, Wells Fargo is charging me for the check returns as they were made. As a consumer unaware of the overdraft facility, it is a huge burden to be charged for the entire amount which was returned.
Consumer complaint received 2020-10-06
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)

THE ACCOUNTS LISTED BELOW DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS AND TO FILL OUT FRAUDULENT APPICATION ( INQUIRES ) IN MY NAME THEY MY SOCIAL SECURITY NUMBER AND PHOTO ID I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  XXXX  & # 39 ; s. 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 2020-09-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My Personal Statement on Experian reads as follows : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Because I am currently applying for a new credit card this must be removed. 

Last 4 : XXXX XX/XX/86 Experian ID XXXX
Consumer complaint received 2015-08-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

I have been a victim of identity theft and have since engaged XXXX to monitor for account openings, financial activity, etc.. using my SSN and/or name. On XXXX XXXX, 2015 I received multiple notifications from XXXX stating that checking/savings accounts had been openend in my name using my SSN. I quickly contacted Wells Fargo, provided all identifying information and offered to go to a branch and provide my ID and SSN cards as proof. I was informed by XXXX that XXXX checking accounts ( with XXXX debit cards ) and a savings account had been opened using my SSN and name however the ID info was different. I informed XXXX that I did not open the accounts and they had been opened fraudulently. I requested the acocunts be CLOSED IMMEDIATELY and was subsequently told that the accounts can not be closed until I obtain a police report and complete a Wells Fargo form. These accounts are opened in MY NAME AND MY SSN but I can not close them without taking off from work and going to file a police report, then having to take off AGAIN to go pick up the police report and submit along with the Wells Fargo form so they can conduct an investigation before the accounts can be closed. This is Ludicrous! I have had a mortgage with Wells Fargo for several years and they can clearly see I live in XXXX yet they knowingly opened accounts in XXXX without properly verifying the identification of the individual because if they would have verified the ID they would have realized it did NOT MATCH what they had on file for me! Wells Fargo has failed XXXX and XXXX responsibilities and I am being punished for their lack of concern for these policies!
Consumer complaint received 2020-09-11
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: Experian Information Solutions Inc. (PA)

My Experian report has inaccurate information and when disputed they said the found my disputes to be completely accurate and then added more inaccurate information or left it the same. My XXXX  and XXXX both have about the same information and they are almost completely accurate