davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Ive been making student loan payments religiously several years now and it never gets paid off. Ill be on added a bunch interest back in from when it was in deferment. CFPB was supposed to be suing them and get Trying to get a settlement. Hardly any goes on the Principle all I should always have the max on my income tax statement of say {$600.00} paid in interest, Its always far far less than that. Its a sham to make  regular payments and it will not get paid off. The payments that keeps getting higher every month too.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Conformation # XXXX for payment XX/XX/XXXX for {$720.00} XXXX XXXX Account XXXX Letter of receipt for payment from Wells Fargo Bank Conf # XXXX dated XX/XX/XXXX with our Routing Number full XXXX and last four of our Acct # XXXX all Correct Documentation of Conversation with Supervisor XXXX XXXX Employee # XXXX from XX/XX/XXXX letting us know this was Wells Fargo Bank XXXX for not processing and would not effect our credit. This was NOT Returned from our Bank at all Conformation # XXXX for payment on XX/XX/XXXX for {$740.00} Letter of receipt Conf # XXXX from Wells Fargo with our Routing Number Full XXXX and Last Four of our Acct # XXXX all Correct Note from speaking with Representative saying Wells Fargo did not process This was NOT Returned from our Bank at all Would appreciate a letter that I can use to clear this off our credit report as this was a Wells Fargo Bank Error as told to us by your staff at the time on both occasions. We went through this process the first time with XXXX XXXX who outright told me he would not pass me to a supervisor and he would not correct it. this is wrong and harmful to consumers. We did not pay late and can prove it. Which is more than Wells Fargo can say! Who protects consumers? XXXX XXXX XXXX - act # XXXX XXXX
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (FL)

I XXXX XXXX, recently checked my credit report, and discovered I been a victim of identity theft. Per ftc, I was advised to fill out an ftc report and provide my identification. Please see attached documents.
Consumer complaint received 2022-01-25
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. (NC)

It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my credit/life. This is an immediate secondary request for removal and blockage of incorrect information. 

There seems to be a high-level of incompetence at this company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit and my account has zero inquiries. Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once!
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX, I discovered a discrepancy on my credit report involving a Capital One account indicating a 120-day late payment, purportedly opened in XX/XX/XXXX. Despite my vigilant monitoring of credit activities, I did not receive any notifications regarding this account. This lack of notification stemmed from the account being associated with two previously closed Capital One accounts, which intermittently sent notifications. Upon identifying this anomaly in XXXX, I promptly took corrective measures to address the issue. This included initiating the closure of the account and requesting its removal from my credit reports. Subsequently, I undertook a systematic approach to address the matter, involving the submission of an identity theft report to the FTC, filing a police report, and engaging with the relevant credit bureaus and Capital One. To facilitate a thorough investigation into the fraudulent activity, I requested comprehensive documentation from Capital One, including the account application, transaction statements, associated business information, and digital identifiers of the alleged account holder. This request was made in accordance with established protocols and regulations governing identity theft investigations. It is pertinent to note that the nature of the account in question was a business card, associated with a business entity not affiliated with my own. This further underscores the seriousness of the fraudulent activity and its potential implications. Despite my efforts to resolve the matter amicably and in accordance with legal provisions, I have encountered challenges in obtaining the requested information from Capital One. Furthermore, the recent communication from Capital One asserting the validity of the account without providing substantiating evidence is concerning. In light of these developments, I believe that Capital One has violated the Fair Credit Reporting Act ( FCRA ). I remain committed to cooperating with all relevant parties to achieve a satisfactory outcome and mitigate any adverse impact on my credit standing.
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As documented by the attached copy of Letters of Administration, I am the Court-Appointed Administrator of the Estate of XXXX XXXX XXXX, XXXX. XXXX XXXX had a mortgage loan from Bank of America ( BoA ), account number XXXX. About XXXX XXXX BoA received a check in the amount of {$8200.00} as payment for an insurance claim on account of damage to the house subject to the mortgage. BoA cashed this check without XXXX XXXX 's endorsement ( because he was XXXX ) or mine as administrator of his estate. We have a binding contract for sale of the house for an amount sufficient to pay BoA in full. For months I have requested BoA to either ( a ) send a statement confirming the payoff balance after credit for the {$8200.00} it admittedly is holding ; or, ( b ) confirm the payoff balance without credit, and send the {$8200.00} to the title company handling closing to hold in escrow to remit to the buyer upon closing upon paying BoA to total payoff amount. BoA refuses to respond. My request for resolution directed to a BoA department to which I was referred was answered with a form letter saying the matter is being investigated. My request to BoA 's CEO and senior legal counsel has gone unanswered. Copies of correspondence are attached. Closing of the sale has been extended awaiting payoff information, and is now set for XXXX XXXX. If we can not close then, the buyer will cancel the contract, and XXXX XXXX 's estate will incur significant loss.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, this has been a issue i have been dealing with the last 3 years. Capital, one has reporting a late payment that is incorrect on my account. This has made my life XXXX. Ive contacted them directly and requested a supervisor numerous time to get this resolved. However, nothing ever happens. I am not forced to escalate this matter. 

Late payment XX/XX/2021 2021
Consumer complaint received 2017-02-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (MO)

Convergent Outsourcing Inc has placed a collection item on my report from XXXX for equipment that was returned when services were canceled. I 've never received any documentation notifying me of this collection and this item needs to be removed from the report.
Consumer complaint received 2022-08-26
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXXXX/XX/2021
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (FL)

Information on credit report is incorrect. XXXX is not my account, Inquiries are not mines and accounts such as XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX I'm not the primary or responsible for those 3 accounts and need to be removed
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I submitted an income drive repayment ( IDR ) plan renewal application on XX/XX/XXXX. It is listed as received and still being processed on the servicer ( Mohela ) website, with my IDR plan set to expire on XX/XX/XXXX. My next payment in XXXX is listed as not being IDR eligible with an increase in payment XXXX my current payments. I am making payments under XXXX and for public loan service forgiveness ; it is imperative that all my payments are made. I have not received any communication as to why my XXXX application is delayed, have not been put on administrative forbearance, and have tried without success to reach a representative by calling the servicer. I request at a minimum to have communication and/or be put on administrative forbearance while the servicer finishes processing my application and tells me what ( if any ) other information the need.
Consumer complaint received 2022-10-07
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-25
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. (IL)

I sent out letters on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not authorize these companies to pull nor access my credit report. These have not been properly investigated nor disputed. This is a direct violation of the FCRA.
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (CA)

I went to the emergency room in XXXX for some XXXX XXXX XXXX, and I provided my medicaid information to the hospital. Apparently the hospital did not provide that information to the doctor, and now I've received a bill for {$1400.00}. I do not owe it. It would have been covered by medicaid if they'd just communicated with the hospital. That being said, it's now past timely filing, and I am unable to have them billed for it. Legally, they need to wipe out the debt and delete it from my credit report. It is a violation of my XXXX rights to have a medical debt on my credit report as well, and if I can not get this resolved amicably, then I will have no choice but to contact my attorney to get this resolved and seek damages.
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (AL)

My auto-loan with SunTrust/Truist ( XXXX ) was refinanced on XX/XX/22. A bank chat representative, XXXX, confirmed the loan payoff was completed on XX/XX/22. I am owed roughly {$750.00} from a refund on GAP insurance which the agent was unable to give me any information about. 

I was advised to call XXXX to inquire as to the refund status, but wait times are on the order of 25-60+ minutes, and there is no callback option. 

The chat representative advised me that the GAP policy refund would be automatically deducted from the outstanding payoff for clients who obtained a loan in Alabama, but the full amount ( {$25000.00} ) of the loan was refinanced with XXXX XXXX  XXXX. 

I attempted to contact the department at the number provided, but after waiting on hold for 40 minutes I could not wait any longer due to extraneous circumstances.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have demanded a cease and desist to these debt collectors and I also demanded this consumer reporting agency to cease reporting pursuant to federal law 15 usc 1692c ( c ) they are also in violation if they continue reporting negative, inaccurate accounts to my report. This reporting agency does not have permissible purpose to report this information pursuant to 15 usc 1681b.
Consumer complaint received 2015-11-27
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK (OH)

Discover Card customer since 1995, I closed account in XXXX 2015 and was reported late on Bureau in XXXX XXXX dropped Credit Score from XXXX to XXXX. Only used car for XXXX and as agreed upon by Discover Card was never paid 30 days late. {$50.00} payment made religiously through XXXX Bill Pay. Discover changed payment DUE DATE from the XXXX of each month to the XXXX ironic as my payment was received by Discover anywhere between the XXXX and XXXX of the month because I get paid twice a month and paid the {$50.00} payment again, through bill pay. Discover knowingly changed the date simply for the Purpose of PREDATORY FEEING! The account never had a balance higher than {$500.00} and given the {$50.00} payment was 10 % or greater ( based on Balance ) Discover Representative, XXXX XXXX offered to refund XXXX {$35.00} for a total of {$100.00} ( again Fee was charge because payment was received 2 days after the new XXXX due date and before my original due date of the XXXX. These XXXX fees changed the minimum payment and caused the wrongful posting of the account 30 days, Discovered Representative XXXX XXXX, gain would not reage my account but offered to refund fees. He also acknowledged that Discover never reached out to me other than through the normal statement. I simply want my account reaged and to remove the only blemish on my otherwise pristine Credit Rating. This was caused by the DUE DATE CHANGE initiated by Discover in an effort to simply generate fee income.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

XX/XX/XXXX, I reviewed my Mohela Account to see that Next Payment that my Total Amount Due : {$120.00} and my Next Payment XXXX and the Current Amount Due {$120.00}. Past Due Amount : {$0.00}. I sent message after message to Mohela and they either do not respond or send a generic message. It is very difficult to speak with a representative. I am left on hold for hours at a time and no one every answer the telephone. I need someone from this company to respond to my messages or call me directly. Since, XX/XX/XXXX I have called Mohela multiple times to request that my due date be changed to the XXXX of the month. Each representative states that the request has been submitted. As of today, my Next Payment Due Date still shows as XX/XX/XXXX. 
Lastly, XX/XX/XXXX, while in forced mandatory forbearance, I made a payment of {$83.00}. I asked that that payment be applied to this month 's payment ( XX/XX/XXXX ). As of today, that payment has not been applied to this month 's payment due amount. 

Thank you!
Consumer complaint received 2022-01-25
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)

Information on credit report is incorrect. XXXX is not my account, Inquiries are not mines and accounts such as XXXX  XXXX, XXXX XXXX and XXXX XXXX I'm not the primary or responsible for those 3 accounts and need to be removed
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (NC)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$760.00} / Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$580.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Credit Card / Balance : {$1100.00} / Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX / Account # : XXXX / Account Type : Revolving / Balance : {$0.00} / Date Opened : XX/XX/XXXX... has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (FL)

Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 
I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX ( XXXX ) Date Opened : XX/XX/2021 Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it.
Consumer complaint received 2022-01-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (PA)

A debt, previously handled with the original creditor as fraud, : XXXX XXXX, this agency now and has been for years attempting to collect a debt that is fraudulent and previous disposed of through the original creditor. I am tired if this XXXX year old issues tat I believe his way past it's time of collecting on anyway. They have scarred my credit for years and offered NO attempt to assist in handling bilthis ad what bit is, fraud!