davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
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. (PA)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

Aldous & Associates - XXXX I want this deleted OFF of my credit report - no longer adverse information Creditor has failed to comply with 15 U.S. Code 1681 is part of the Fair Credit Reporting Act ( FCRA ) to the reporting agencies. Failure to provide fair and accurate credit reporting to the efficiency of the banking system and public confidence. The FCRA aims to ensure that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce while being fair and equitable to consumers, particularly regarding the confidentiality, accuracy, relevancy, and proper use of consumer information.
Consumer complaint received 2024-09-19
Product: Credit 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: JPMORGAN CHASE & CO. (UT)

I have opened a dispute with Chase Business Credit Card twice now and been denied both times. The merchant continues to send false information that they deem valid even though I have provided information to support that the XXXX XXXX XXXX XXXX  did not provide the services paid for. 

Purchase {$3500.00} - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX billboards and ad A contract was never signed through XXXX. And when trying to open the one sent initially it now says voided and I can not access it. 

I was told that I would receive a refund if I change my mind and have received many messages that they are working on the refund and not to worry. 

When asking for a refund and disputing these concerns with the company they sent false documents that do not even make sense. In fact, they have my husbands initials and signature were on the form and he was never even involved in this conversation or phone call. It was for XXXX XXXX. His initials and signatures have been forged. Furthermore, they sent a XXXX  with his name saying he is a XXXX XXXX I have attached a picture of the billboard they said they would create for that would be used. My husband is not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet they have sent these images for my husband. 

XXXX XXXX, who I was initially working with is no longer with the company and I can not get a response through email or phone. 

XXXX XXXX, XXXX XXXX XXXX continues to assure me that refunds are being processed. And if it isnt the credit card company will take care of it. He also says he is talking with the financial department. I have tried countless times to get in touch with them to move forward on the refund.

I have tried to reopen the XXXX that was initially sent but can not as they have been voided by XXXX and therefore I can not access the link. I have no history of receiving a signed document, only documents sent to me to sign, which I never did. 

In the meantime, I have been in contact with several others who have been scammed by this company. They really need to be stopped. 

When disputing these charges they then sent new billboard images with my name and company. And even though they were supposed to do one billboard, they sent pictures of countless billboards and kiosks with my information to try to prove themselves and therefore the credit card company refused the dispute.
Consumer complaint received 2017-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

On  XXXX   XXXX , I received an email from Navient stating that I had until  XXXX   XXXX  to contact them about setting up a payment arrangement. I emailed them right back and explained that I did not have access to a phone and would need to handle via email. They explained to me that I could not and needed to call. When I called Navient and explained my personal and financial situation,  XXXX  said that I could apply for an Income Based Repayment program but that there was no rush to submit my paperwork. When I called back the first week in  XXXX , suddenly my account was charged off despite  XXXX  explaining that there was no rush to submit paperwork and payments. I have been working with  XXXX   XXXX  to see if there was a resolution to removing the charge off status of my loan when she informs me that a loan of mine has already been charged off and was done so in   XXXX  . I never received any documentation about this, despite being in constant contact with Navient, including submitting forbearance and payment arrangement claims. I asked her who the collection company was and she said it was the same company for the new loan -- all new information to me.   She stated that her records indicate that the charge off is valid and that she has no record of my conversation with "  XXXX   XXXX  ''. I explained to her if I had been made aware that the information I received was time sensitive, I would have submitted the necessary paperwork but between  XXXX  and  XXXX , no one told me that my time was limited. Both of those ACTUAL representatives ( not an automated system ) told me that there was no rush to submit my application and paperwork, since I was in a particularly dangerous and volatile situation.   Now, speaking with  XXXX , apparently the burden is mine to prove that these conversations existed, regardless of their vast telephone monitoring software. And I must dig up my records to show that I actually spoke with  XXXX  and  XXXX . This does not even consider my apparent charged off loan that I never knew about and never received any communication with them in reference to. When I log into my Navient Account, but accounts still show as valid, current, and accepting payments.   This inaccurate reporting of loan information is dangerous. I now have practically insurmountable debt standing between myself and purchasing a home -- all because their separate departments do n't communicate with each other or with me.
Consumer complaint received 2017-05-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MO)

Chase has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the 30-day period. I disputed this account sending certified with return receipt in which Chase rec eived and signed on  XXXX   XXXX  by  XXXX   XXXX  in which  Chase  did n't respond to my letter in a timely manner that was dated  XXXX   XXXX  which is another violation of Federal and state law and they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Keep in mind I also have time stamped copies of my credit report showing proof of the violations. I lived with an aunt that had the same exact name as myself so I also requested copies of a contract bearing my signature.  Chase  send on  XXXX  of   XXXX   copies of printouts of bills and itemized documents, which does not constitute verification as per FTC opinion letter from Attorney  XXXX   XXXX   XXXX .
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I have been receiving bills from a debt collector who is acting of behalf of  XXXX . The debt collector is called Convergent. The debt is from 2008. The issue I had was my account was broken into and my personal information stolen resulting in erroneous charges being made to my account over a 9 month period. The charges were for a subscription I never signed up for. Subsequently my personal information was used to make other charges resulting in me having to close my checking accounts.
When I approached  XXXX  with what had been going through I was told by one of the Sales Managers that they would credit my account for the erroneous charges however they could do nothing to stop the charges from being charged to my account.
After nine months of this kind of treatment I closed my account in   XXXX   of 2008. My issue is it is still showing on my credit report. The last report pulled was from  XXXX  in   which I was denied credit for what they called a serious delinquency.
Consumer complaint received 2017-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

In reviewing my credit report, I noticed  a Hard Inquiry from Capital One  on  XXXX  of    2016. I made no attempt to apply for any credit through capital one, and in my attempt at mortgage financing I was lead to believe that the number of inquiries on my account contributes to lowering my credit score.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have recently obtained a copy of my credit file and there is wrong information in my report.     XXXX   XXXX   XXXX   XXXX   XXXX  * : Unverified account   XXXX   XXXX   XXXX   XXXX   XXXX   Unverified account   XXXX   XXXX   XXXX   XXXX   XXXX   I have never paid late this account Beside that, my personal information is reported incorrect, please fix it
Consumer complaint received 2017-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (NC)

On the evening o f  XX/XX/XXXX  I re viewed my account and became aware that it was in the negative. At the time there were  XXXX  pending items - {$26.00}, {$24.00} and {$11.00}. The pending items as listed were included in the negative balance. I immediately transferred {$80.00} from my savings account to cover all of the pending items and have a positive balance in the account. The next morning my account was again in the negative. No additional charges beyond the pending items from the night before had posted.  Suntrust chose to post the  XXXX  pending items prior to crediting the transfer deposit of {$80.00}. This is both unfair and deceptive because when I transferred the {$80.00} my account reflected a positive balance- that there was sufficient funds to cover the pending items and have a positive balance. However, by Suntrust posting the pending items first ( knowing that there was money deposited to cover them ) you balanced my account in such a way that maximized the possibility of overdrafts. Again, unfair and deceptive. I am requesting that Suntrust  immediately refund {$100.00} charged to me as overdraft fees on   XX/XX/XXXX .  Thank you for your immediate attention to this matter.
Consumer complaint received 2017-05-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF THE WEST (CA)

After paying off the payoff on my loan Bank of the West send me another payment book for 11 payments. I tried dealing with this company about the total amount of my pay off without no regards they have not given me an answer just give me the runaround on the phone over and over and over and over again very stressful dealing with their customer service I filed a complaint with XXXX XXXX XXXX number XXXX the West never replied all I want is the title to my vehicle
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

In  XXXX  of    2017, I w as trying to refinance my house. Currently, my student loans through navient are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered m y credit score an d it is affecting me not being able to refinance. The way navient is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told  ), it  is making it look like I am way behind on payments. I do call navient in  XXXX     2017 a nd they said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was never notified that the payment I made in an auto loan was returned ; resulting in a late payment. Also, the consigner of the loan was never notified ; therefore, there was no opportunity for the payment to be made before it was reported 30 days past due on their credit report.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CBE Group, Inc. (WV)

I received notification on my alerts through  XXXX  that a new credit collection account is appearing on my account at  XXXX ,  XXXX  and  XXXX  on  XXXX   XXXX ,    2017 wi th  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates  XXXX   XXXX ,    2017 wh ich is in the future. Second, I do not have gas service at my present location and have been at my present location of  XXXX   XXXX   XXXX  for over a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on  XXXX   XXXX ,    2017 and  ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DE)

I understand that the law is civil judgments and liens can stay on credit for seven years. Seven years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely  XXXX .
Consumer complaint received 2017-05-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank keeps calling me looking for an  XXXX   XXXX .   I am not, nor do I know any,  XXXX   XXXX .     They call me from different phone numbers all over the country. So when I block them, they use other numbers.     I spoke with a representative and told them they had the wrong number. She would take care of it but nothing happened.     I just called again and spoke with someone who would not give me their address so I could send a cease and desist letter. She did confirm it was Comenity Bank.     The last  XXXX  digits of my phone are  XXXX . Maybe they can match  XXXX   XXXX  with the WRONG number they are calling.
Consumer complaint received 2017-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

I attempted to close m y Wells Fargo checki ng account on  XXXX   XXXX ,    2017, in  writing, via their online messaging system. I received a reply stating my account was on hold and I would need to call Customer Service to cancel the account. I called  Wells Fargo  Customer Service on  XXXX   XXXX ,    2017,   XXXX  CDT to close the account and was told by Representative   XXXX    XXXX  ext  XXXX  that I would have to go into a  Wells Fargo Branch to  close the account.     I refuse to go into a  Wells Fargo Branch, d ue to the unprofessional interaction I had a month ago with the Teller  Manager  at th e Wells Fargo Branc  h    XXXX   XXXX    XXXX   XXXX , TX  XXXX  . Wells Fargo has  also begun charging a $   XXXX   monthly fee which I refuse to pay going forward. The fee was assessed on  XXXX   XXXX ,  2017, I initial ly requested this account closed on  XXXX   XXXX ,  2017.           XXXX   XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Brown and Joseph, Ltd (MI)

BROWN AND JOESPH LTD C ALLS MULTIPLE TIMES A DAY, HARASSING MY EMPLOYEES AND DISRUPTING OUR WORK TRYING TO COLLECT A DEBT WHICH WE HAVE PAID IN FULL TO THE COMPANY THEY ARE REPRESENTING WE HAVE TOLD THEM TO STOP CALLING AND JUST SUE US, IF THATS WHAT THEY CHOOSE TO DO, BUT TO PLEASE STOP CALLING
Consumer complaint received 2017-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (MA)

I received a notice of an debt collection for a company I did not owe a debt to. I called the debt collector to request information and contacted the original creditor, named  XXXX   XXXX . This is a company I have placed orders with through the name of  XXXX   XXXX   XXXX  and have my own account on automatic payment. I was told that the order I received debt collection information for was for an account and a name that are not mine.  XXXX   XXXX  sent me the invoice with information regarding this order, and it 's for another individual in my apartment complex with a different account # than mine.     I have attached the invoice, which has a different  A  mount Due (    XXXX   XXXX   ) than the debt collector,   XXXX  , is attempting to collect. The name on the account is not mine (  XXXX   XXXX  ), and the account # is not mine.     I have attached an accurate invoice for an order that was mine placed in  XXXX , along with the proof of automatic payment on my credit card that was charged for that order. I have also attached the paperwork sent from  XXXX  regarding the order that is not mine and for which the debt collector is attempting to collect on. Further, I have attached a copy of my accurate order history, which shows that no order was placed on the date of the invoice, on my account.     My multiple attempts to work this out with the debt collector and with the credit reporting companies have not been successful.  XXXX    XXXX   agreed that the order was not mine and said they would cease collection practices for an order delivered to my apartment complex but not to me and not placed by me. Please help settle this matter by removing the fraudulent collection from my reports and demand the debt collector to cease and desist. The actions of this company are illegal, as are the failure to properly verify the authenticity of the debt by the credit bureaus.
Consumer complaint received 2017-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I have been a  XXXX  customer for nearly a decade and have always paid on time. I have an excellent credit history and rating. I paid my last payment to  XXXX  for the month of  XXXX . Approximately 30 days ago I was notified that my mortgage was sold to  Nationstar. Nationstar t hen proceeded to bill me for the month of  XXXX . I called them and explained the issue and they ultimately confirmed that it was their error and that  XXXX  was received by  XXXX  and transferred t o Nationstar. I t hen asked for an amortization schedule so I can confirm that this was corrected and any possible other errors might not exist, so I would know that my mortgage was in good status. They informed me that this standard loan report was not something they supplied. How can I possibly know if my mortgage is now correct without simple data such as this? I was then transferred to a supervisor,  XXXX   XXXX , who told me she would attempt to obta in one, which she ne ver followed thru. After sending several emails to her, she then provided me with a fraudulent amortization schedule she appeared to produce thru a generic software. I responded and at this point included her supervisor,  XXXX   XXXX , in the  email trail. Her supe rvisor has never responded. She however did respond that because I threatened legal action, which I did not except to state that I would be filing a complaint with NYS, she would no longer respond and I was being passed off to the customer relations department. I attempted to call this department to try and get this settled and was told by customer service that phone calls were not permitted and I had to write a letter. My payment for  XXXX  is coming due. I 've never been late on my mortgage payment ever! They have been completely uncooperative. They will not supply a standard amortization report that the entire industry provides and utilizes. Finally, they provided me with a fraudulent document in an attempt to resolve this matter. Can you assist? Thank you,