davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 and XXXX XXXX XXXX violated my 609 rights by reporting information to TransUnion regarding my credit file. TransUnion further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 , reported to TransUnion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is violation of my consumer protection rights.
Consumer complaint received 2020-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

I refinanced my student loans with XXXX  and the loan was funded on XX/XX/XXXX. At the time, an over payment had been made to my previous servicer because the payment was due around the same day the loans were refinancing. I contacted the company 3 times over the course of 45 business days to ask when my over payment would be applied and was told that I had to wait until 45 business days had expired. At the end of this period, I contacted XXXX/Mohela and was put in touch with a customer advocacy team. This team requested that I provide the check information from the previous servicer which I did. After several days I contacted the customer advocacy team again and they said they could not find my over payment and I would need to get a cop of the cleared check. So again, I reached out to my previous servicer who sent the information multiple times to XXXX/Mohela before they confirmed receipt. Its now been 4 months since my loan funded, I have contacted XXXX/Mohela over 18 times and have escalated my case multiple times with no anticipated resolution date. When I ask why the payment is not being applied Mohela says they are waiting to hear back from XXXX. Mohela agrees that I have made the payment and that I have proved that I made the payment. Mohela can not provide a time frame or resolution to this issue. They refuse to give me a direct phone line to a manager and tell me that I have to continue to wait. XXXX/Mohela cashed a check ( # XXXX ) in the amount of {$1600.00} from XXXX on XX/XX/XXXX. The check also contained a roster ( which I am not privy too ) specifying how payments should be applied. {$770.00} of that check should be applied to my account. See attached cleared check image. 

Account number : XXXX. Overpayment : {$770.00} ( XXXX  to XXXX/MOHELA )
Consumer complaint received 2020-08-04
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: Nelnet, Inc. (TN)

I have numerous accounts on my credit report that do not belong to me XXXX XXXX XXXX   {$3000.00} Department of Education/ Nelnet  {$10000.00} & {$4600.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX is reporting a {$7000.00} balance that was paid by insurance pay off as charge-off/ closed / derogatory it should show balance paid sucessfully. 

I have been disputing and giving all info need to prove this debt is not mines.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (GA)

I'm being asked to come to branch with my identification for the second or third time, the first two times yeilded no understanding or any resolution this has been going on for two years now, they're taking funds without giving me access.It has been very hard to get anything clear on the matter.They said something about an investigation but I heard nothing after that, I wanted to close the account with them but haven't been able to a year or so ago, forgot about the account got back in touch with them and they're saying the exact same thing they said two years ago. {$2900.00} is down to {$2000.00} no no clarification just fees and they refuse to close the account so can't take my business elsewhere, litterly being held hostage and being treated like a criminal ( just come to the branch with my identification and nothing ) This is the XXXX XXXX XXXX  in FL. and now XXXX too something isn't truthfully being said broken trust.Please can you look into this matter involving checking & savings Regions Banking Practices
Consumer complaint received 2020-06-15
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: EQUIFAX, INC. (TX)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC (NC)

I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( Early Warning Services ), in case legal action becomes necessary : Authorized Signature of Creditor :
Consumer complaint received 2020-04-16
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. (MA)

As part of our home refinance, we received information from XXXX XXXX that XXXX XXXX had reported an outstanding balance on our account of $ XXXX report appears on my Equifax Credit Report This is not correct as we have an account which requires us to pay monthly for electricity produced by the solar panels. In conversation with XXXX Customer Service, i was told that this amount is the amount I would pay if I cancelled the account. The amount is not paid monthly although the report from XXXX showed a {$3.00} per month payment for 190 months. The monthly bill we pay is only for electricity used and is in good standing as it is paid by direct deduction from my checking account. 
One person at XXXX mentioned that they could remove the amount so I could get the refinance ; however in one week I have had no reply from XXXX to my repeated inquires. 
In summary there is no billing or payment for the {$23000.00} This figure is an internal figure carried by XXXX that is not a current obligation and should be removed
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is reporting an allege repossession from XXXX XXXX XXXX that has been reported to the IRS as income so it can not be reported furthermore the debt has not been verified or validated. No other credit bureau is reporting the account so how is Experian validating this account what documents are being used or who exactly are they speaking with to validate the account.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX, TRANSUNION Last 4 socialXXXX RE : XXXX XXXX ... ..-partial acct number. 
To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my bit repor You are reporting a late payment on XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and XX/XX/23 on the account ( XXXX ) .and accordance with the fair credit act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the Reports
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (KS)

paypal is refusing me service based on my race, ethnicity and origin. In XXXX I tried to add money to my paypal account and the transaction was not allowed by paypal. so I called paypal the same day and asked why my attempt to add {$500.00} using the add cash at a store feature via XXXX. the customer service rep, whom was not in the US, stated we flagged your account because XXXX people in the US normally don't send as much money as you have recently. In response, I said I wanted to speak to a supervisor in the US and was refused. Today, I again tried to add money at a XXXX and the transaction was not honored. Paypal outsources its customer service to foreign countries which agents make racist remarks and engages in practices that are aimed at depriving US citizens access to its services based on an individuals race. For the last 30 days I have tried to add money to my paypal account at a XXXX and paypal has refused my transactions atleast 15 times, including today XX/XX/2020
Consumer complaint received 2020-04-11
Product: Student loan — Federal student loan servicing
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 (VA)

In this particular case, FedLoan had granted Administrative and General Forbearance on each of my accounts specifically for the time frame of XXXX to XX/XX/2017, this is also the time frame during which each of my Fed Loan accounts show as Past Due on credit reports from each of the credit bureaus. The purpose of the forbearance was to prevent the accounts from populating as Past Due - furthermore, it was explained to me by a FedLoan associate that by agreeing to Forbearance terms and interest rate changes, I would allow FedLoan to report a forbearance instead of a past due for this time period - which was entirely the purpose of agreeing to such terms - to prevent credit damage. It is therefore inaccurate for FedLoan to report this time frame as Past Due and for there to be no mention whatsoever of the Forbearance. The purposeful inclusion of Past Due and withholding of the Forbearance for the aforementioned time frame is both misleading, inaccurate, unethical, and predatory - and it places FedLoan in direct violation of the FCRA. FedLoan has not fulfilled its obligation to assure maximum possible accuracy of the information being reported. FCRA 623 ( a ) ( 2 ) stipulates that any information, once reported, must be promptly updated so as to maintain its current accuracy. In order to maintain current accuracy, FedLoan needs to remove all Past Dues being reported on my accounts from XXXX to XX/XX/2017 and assure that Credit Bureaus report this time frame as Forbearance instead. FCRA 623 ( a ) ( 1 ) stipulates that if information is reported, it can not knowingly be inaccurate or misleading - FedLoan has been made aware of this discrepancy on several instances and has refused to make any adjustments. Section 607 ( B ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. These discrepancies on my credit report have negatively impacted my life in ways I can not begin to explain. My credit worthiness outside of my experience with FedLoan is clean and blemish-free. 

The following accounts are reporting erroneous late payment information from XXXX through XX/XX/2017. These accounts are included in a hardship forbearance granted by FedLoan. The forbearance means that no payments are due and therefore no payments could be late on them. FedLoan can not state that the account is currently showing as Forbearance for that time period but continue to report that time period as Past Due.
Consumer complaint received 2020-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL) (NJ)

My wife went for a routine XXXX exam at XXXX XXXX XXXX   XXXX, like she does every year, which is covered by my employer-sponsored insurance policy through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of New Jersey. XXXX XXXX XXXX XXXX used my wife 's drivers license and insurance card to verify her insurance coverage, as they do every year. About three months later, we received a collections notice in the mail from Ar Resources Inc.,  stating that we owed {$130.00} for the XXXX exam. We never received any actual medical bill for this service - only a collections notice, which had already harmed our credit rating! 

My wife immediately called XXXX XXXX XXXX  XXXX and spoke to 6 different employees there, including a manager who informed us that this was a billing error on their part and that they had incorrectly transcribed her XXXX XXXX account number. The manager 's name was XXXX, and she said she was sorry that this happened and that she would ensure that the bill was resubmitted to XXXX XXXX with the correct information this time and that she would also call the collections agency to halt the collection and prevent it from harming our credit record. Based on this conversation, at this point, my wife believed the issue was resolved. 

However, six months later, a negative credit notification showed up on our XXXX / XXXX credit report. There was minimal information available on the XXXX report. We conducted a XXXX search and contacted the collections agency, leaving multiple messages. We got through one time to someone and disputed the matter, as the debt collection was in error and improper. We additionally contacted XXXX XXXX XXXX  XXXX yet again, who stated that the matter had been resolved by our insurance company and paid long ago. 

However, the debt collection has still never been cancelled and continues to show up multiple times on our credit report. Now, we have suffered a legal harm from both the Ar Resources Inc. and XXXX XXXX XXXX XXXX failing to remove this fraudulent collections activity on our report. We have always had an excellent credit rating. Her credit rating has now dropped 100 points due to this fraudulent collections activity, and mine has dropped from a XXXX to a XXXX score. This is currently preventing us from being able to refinance our home for a much lower 30 year fixed mortgage rate. 

We demand that XXXX XXXX XXXX XXXXXXXX and Ar Resources Inc. immediately remove this fraudulent collections activity from our  credit reports, and we request that the FTC either investigate both companies for illegal billing and consumer fraud activities or refer such investigations to the appropriate governmental department or local authorities.
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OH)

Navient is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with Navient is in consideration of the following : -Navient won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -Navient allows borrowers to direct overpayments, meaning any additional payment made over the  combined minimum for all loans is able to be designated to pay down certain particular loans, but Navient does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -Navient should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -Navient should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I opened an Ann Taylor credit card several years ago. I had not used it in a couple of years when I used it in XXXX. Because I had not used it in years, the bank who issued the card, Comenity Bank, did not have my current address. 

They began calling me several times a day in XX/XX/XXXX. I spoke with a man there in XXXX and he explained I recently used the card and did not make my payment. I asked him why I had not received a bill. We realized they did not have my latest address. I updated my address with him and asked him to send me the bill and I would pay it. I also closed the account that day. 

In XX/XX/XXXX I began receiving several phone calls a day from Comenity Bank again. I asked why they had not sent me a bill yet. I did not receive an answer but was told to pay the balance of {$190.00}. 

Since I had the account information in my online bank settings, I paid the balance and thought I was done. Even though I still had not received a bill. I paid this balance on XX/XX/XXXX. 

In late XX/XX/XXXX I started receiving five phone calls a day from Comenity Bank, these calls would interrupt me in work meetings several times a day, I would receive phone calls late into the evening and all throughout the weekends. A message was never left in my voicemail. I did not know what it was about since I had paid the balance off and closed the account. 

I answered the call one day on a Sunday when I had received several calls throughout the weekend. When I answered it, I was told by a recorded voice to call back during business hours Monday through Friday. 

On XX/XX/XXXX, I answered another one of the calls. A woman told me I had a balance due. she asked for my address, which I gave her and she confirmed she had the correct address. I asked why she has not sent me any bills when I have been asking for a bill since XX/XX/XXXX. She said she could not tell me anything further unless I provided my social security number and date of birth. I told her I would not provide my PII on a recorded line and that she called me. She said she could not continue the call unless I gave her my PII. She hung up.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I began the mortgage refinance application on Mon, XX/XX/2019. I have provided a mountain of documents and we still have not closed. Wells Fargo mortgage staff has been very courteous and have apologized over and over. I was initially told I would close by XX/XX/2019. 
The loan officer told me this has been sent to upper management due to the length of time. That was more than a week ago. It has supposedly been in underwriting for over a week but they still can't tell me a closing date. They keep digging up random old things on my credit report and making me prove a negative ( that I don't have whatever it is ). For example, they asked me to prove I didn't have a foreclosure -- -on the house I currently live in. I provided years of mortgage information and countless statements. I don't have any late payments and have a XXXX  FICA score. They wanted me to prove I didn't have a foreclosure. I have to give my existing mortgage company ( XXXX ) permission to speak to them so they could tell them I don't have anything like that in my file. This is insanely frustrating and by their own admission is terrible. 

I don't want to risk retaliation ( a " no '' from underwriting '' ) but I have to say something because this is absurd. XXXX has been particularly helpful and very empathetic. I do not think this is her fault or XXXX ( the other loan officer ). They are good people but this system has major flaws.