davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
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. (NY)

I created an Equifax online profile on XXXX XXXX so that I can view my credit report and scores at my leisure. After I completed it, I wasn't able to see able to see my scores. It kept saying not available or that I didn't have any existing credit. I immediately called Equifax and the representative assured me to give the system some time to update which I patiently did. After a while, I checked again and my score still said unavailable. I searched around my profile and realize they had me down as XXXX XXXX which is NOT my name. So I started to realize my score was unavailable because they had another person 's name mixed in with my information. I called Equifax back to let them know what was going on. They were absolutely rude and demanded me to submit a copy of my ssn and state ID to verify who I was. I though it was absolutely ridiculous being that one can't create an online profile unless they have this information. However, I complied anyway and submitted with a dispute so they can fix whatever issue they created with my information and this individual 's name. They assured me the problem would be taken care of. XX/XX/XXXX, I received an email stating my dispute was completed. I signed back into my online Equifax account and to my surprise NOTHING had been fixed. I was still in there as XXXX XXXX and again a credit score would not generate. I called Equifax once again and they assured me the problem was fixed. Here we are in XXXX and I'm in the process of purchasing a home. Several lenders requested my credit reports from all agencies and 1 lender told me that Equifax didn't give any information and reported me as fraudulent. Can you imagine the pain I was in? The embarrassment and anger I felt? I called yesterday XX/XX/XXXX, and waited for almost 2 hours to speak with the appropriate representative and no one came to the line. Today, XX/XX/XXXX, I finally spoke with someone who again demanded I submit my personal documents such as my ssn and ID again. I told him I did this 2 months ago and I don't feel comfortable having to continuously keep sending copies of my personal information. After going back and forth, he finally found my documents that I previously sent. Then he put me on hold and came back and said everything is taken care of. I asked him to send me some sort of proof because I/m not going through this again with them. I also logged into my online account and my credit score still wouldn't generate. I told the representative and he ended up just hanging up on me. The representatives have been rude and extremely unprofessional. They are playing with my life and them mixing up my information with someone else 's can have plenty harm on me now and in my future things that I'm trying to attain. At this point, I don't know where to turn to because this is inappropriate. If this isn't taken care of, I'm bringing a suit against Equifax.
Consumer complaint received 2019-09-19
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. (OH)

I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX  authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I spoke with CapitalOne " senior account XXXX XXXX '' today regarding the excessive and improper annual membership fee and subsequent late fees and finance charges on my XXXX XXXX credit card account ending in XXXX. Notwithstanding that {$59.00} annual fee is excessive in the first place, it is improper when I rarely use the card, and therefore do not receive any of the benefits, notably the % cash back that CapitalOne advertises. 

In prior years, CapitalOne customer service agents had the authority to remove the fee ( s ) as a customer accommodation, but apparently now they do not. Adding insult to injury, there are XXXX subsequent months ' of late fees and related finance charges, AND, CapitalOne is reporting the card account as delinquent to the credit bureaus.
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (NM)

I applied for a secured cc from first progress. I filled out their application, and made a deposit of {$450.00}. Soon after I received the card, I lost it. Immediately, I called first progress and reported it. During the conversation with their representative, I was asked which transactions were mine. Was told that the card and account was cancelled, and a new card should arrive within 13 business days, this was on the XXXX of XXXX. On the XXXX of XXXX, I called first progress back, I inquired as to when my new card was supposed to arrive, and when my payment was due and the amount ( it was on the XXXX ). To which I was informed, that yes the card/account was cancelled, however the order for a new card was never placed! And as far as the due date, well since the account was closed, they couldn't accept a payment, until I received the new card, and activated it, and the date should then be rolled over until the XXXX of XX/XX/XXXX. Again I was told a new card was ordered, and would arrive within 13 days. XX/XX/XXXX, the new card arrived, which I promptly activated without any issues. This morning XX/XX/XXXX, when attempting to use the new card to purchase coffee, it was declined! I pulled up my account, which showed I had {$85.00} credit available, and a late fee! I was upset that I was charged a late fee, as well as interest, for not making a payment on the XXXX of XXXX, the payment I was told I couldn't make due to the account being closed. I called the number that they claim is customer service. The first person listened, and replied there is nothing they can do about the charges, and I need to make a payment to reactivate the card. Unsatisfied I requested to speak to a supervisor. After 3 minutes on hold another person answered to state she'll be right back and again I was placed on hold. 38 minutes later, an apology was issued for the long wait, and again was told nothing can be done, I asked for her name, and her supervisor. She refused to identify herself and after another long wait on hold, the highest person with the ability to speak, a person claiming to be " XXXX '' employee ID # XXXX, said he could waive the late fee, but wouldn't waive the interest, was not apologetic about the rudeness of his staff, and couldn't turn the card on until a payment, which mind you, wasn't supposed to be due until XX/XX/XXXX, was made. " XXXX '' refused to give any contact information of his superiors. At this I had had enough, and requested the account closed and a refund of the remainder balance. The refund, I am told will take up to 75 business days.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (OR)

For 7 years we have been receiving phone calls from Municipal Services Bureau for debts of various people that have never even had this phone number or lived at this address, and we have on numerous occasions called to tell them this .... They still " robo '' call us ... Now they don't even state who's debt they claim is owed ... Not ours though, since we have none owed to anybody. Some days there are multiple calls from this company
Consumer complaint received 2019-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

Hi I am in desperate need and would greatly appreciate your help. I called both XXXX as well as Nelnet requesting the original Promissory Note signed for the loans in question and was told that neither servicer had them in their possession. I called the Department of Education and I was told that I was not in their system. I logged onto XXXX and saw that they were reporting all of the student loans as closed. Then logged on a couple of weeks later and the loans were back active. I submitted a dispute to all three credit bureaus stating that they did not have the promissory note and I received a response from Nelnet saying that I had previously signed a forbearance ( hardship ) .Obviously, I signed the hardship forbearance because I could not afford to make the payments. I received a call from XXXX today and I was told that they will send me something in the mail soon ( possibly a promissory note ). I am not saying that I don't owe a student loan, I'm saying that I have no idea which loan is legitimately mine. I am confident that all of the loans that both XXXX and Nelnet say are owed by me are not mine. I have been dealing with illnesses most of my life but deemed XXXX in XX/XX/1998 by Social Security. I've tried working twice but found myself continuing to battle my illness which keeps me unable to work. I'm just asking for fairness and clarity. I was a victim of identity theft with XXXX XXXX, someone was stealing what little money I had. I filed a police report last year. Hopefully, whoever it is will be caught. Meanwhile, I am begging for your assistance. Please help me to secure the original promissory notes for all of the loans that have been assessed to my account. Thank You!!!!
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (SC)

I received a response to my previous complaint that the accounts listed on that complaint came back verified. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. FCRA states that information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. You have been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not deleted from my report. Please do not update or verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contracts and physical documentation to support the information that is being reported on my credit report via mail. Screenshots and statements will not suffice. Please send my actual signature on a contract as these accounts are not mine. I am in the process of planning a legal case, so I need specific answers to what was asked of you in this complaint.
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc. (FL)

DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NV)

Not sure this went through on first attempt so apologies if its a duplicate. Paid off XXXX mortgage early XXXX, awaited confirming info but got none. Finally called county XXXX to make sure prop tax bill name changed only to discover XXXX missed the XXXX payment and I had incurred a {$44.00} late penalty. I paid it and the overdue taxes then called XXXX. XXXX said escrow closed XXXX which is 7 days after Taxes due, and I would get the escrow soon. Said he would transfer me to a super but instead I was hung up on. Wrote a letter and notice of error email but was told to call the number again. Still dont have the escrow as of today XXXX. XXXX para 4 says XXXX must either pay the tax or return the escrow. Between XXXX and XXXX they kept the money and did not pay the taxes. They admit the Escrow Refund process did not begin until seven days *after* taxes were overdue. Rule states they must do one or the other not do neither. They did not contact me to inform me. Now, they still have the escrow money and I have also paid the taxes myself plus the penalty.
Consumer complaint received 2019-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation (WA)

Collection appeared on my report that is not mine. I have not owned a car in almost 20 years so I dont see how this could be mine. 

No actions where taken against me, I was only notified through a credit alert. 

I believe this is some sort of identity theft. 

Collection Agency : Credit Intl Corporation Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$3300.00} Amount : {$2800.00} Reported Collection Credit Report : XX/XX/XXXX XXXX
Consumer complaint received 2018-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Good Afternoon, I happened to look at my credit report and noticed a charge-off on my report that I did not notice or was given a written statement about from " XXXX XXXX XXXX XXXX XXXX CREDIT CARD ACCOUNT # ENDING IN XXXX ''. I contacted XXXX XXXX about the charge- off and was said that the account was sold to Portfolio Recovery Associates.The Charge-off is Dated XX/XX/2014. I was not aware of the debt and or was contacted about it.
Consumer complaint received 2022-05-13
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. (GA)

In accordance with the fair credit reporting at XXXX XXXX XXXX  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 2. It also states a customer reporting agency can not furnish a account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

In XXXX during the height of the pandemic we contacted our mortgage lender Mr.Cooper and explained that we were gon na have trouble paying our mortgage at this time. We were told that we can stop payment for 3 months but will have to pay the total amount at the end of this period. In XXXX a total of XXXX was paid to Mr.Cooper Nation-star Mortgage company. The funds were taken from the account but they failed to apply it to my mortgage. We contacted regarding the missing funds and they stated the payment was never made, but it clearly states and reflects on our bank statement. They requested bank statements for the month of XXXX which we sent, after several transmissions of these documents Mr.Cooper stated they never recieved these documents. This run around continued for months. Mr.Cooper then requested for a certified bank statement which was provided that they took the funds. We are now being told that Mr.Cooper never recieved those funds, but I have bank statements stating they did. I have filed a complaint with the XXXX  XXXX, and have spoke to an attorney about this matter. The mortgage company wants use to repay another XXXX before we can make any more payments. They clearly took the money or should I say stole the money, ..and because of their mistake want us to pay again. I'm beyond upset at their incompetence and need help!!
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (FL)

My student loans have been in deferment due to an Income-Driven Repayment plan I am enrolled in. A new application has to be submitted annually in order to have your circumstances reviewed for any changes, and then a decision is made as to whether a person can continue in the plan. I originally submitted my re-certification for Income-Driven Repayment ( IDR ) play onXX/XX/2019 at which time I was unable to upload my filed tax documents via the IRS website ( when filling out the application you are routed to the IRS website in order to retrieve your filed income tax documents to prove your income for the previous year ). I tried several times but continued to have no success ; therefore, I opted to submit my application and tax documents via U.S. mail. I did so the following day, and assumed all was well. Fast-forward to mid-XX/XX/2019 and I received a notification regarding my credit report. At that time I realized my credit score had dropped well over 100 points due to my federal loans being reported as delinquent. My report shows I missed 2 payments, XX/XX/XXXX and XX/XX/XXXX, but that is not accurate as I was supposed to be enrolled in the IDR plan. Additionally, it says I am 120-149 days past due, which is again wrong because 1. I am enrolled in the IDR plan and 2. They are only reporting 2 missed payments, which is 60 days not 120-149. I resubmitted my IDR application on XX/XX/2019, and this time I was able to transfer my tax documents directly from the IRS. I received the approval for my application on XX/XX/2019, and was advised my monthly payments would be {$0.00}. I have submitted a letter to the XXXX XXXX XXXX to ask for the delinquent items to be removed from my credit report as I should have been enrolled in the IDR plan all along. I have not received anything back to date. I am now receiving letters from credit card companies saying my available credit limits are being decreased as a result of these delinquent items. I desperately need these items removed. I have recently updated my contact information with the XXXX XXXX XXXX because I realized they had outdated information. Per my specific IDR plan I do not have a monthly payment as my income is not enough to permit a payment ; therefore, my credit report should not reflect late payments as I do not have monthly payments to even be late on. I would greatly appreciate any assistance in regards to this matter, and hopefully can get the situation resolved before any further irreversible damage is done to my credit. Thank you for your time and consideration.
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I filed a claim with Wells Fargo about SEVERAL FRAUD charges i told them I did not use that specific company which was XXXX XXXX but I have used my XXXX  for a few other apps. When I found out my claim was denied i was furious I later talked to several people and got the same answer denied and nothing they can do. Then someone there say oh my funds will be credited back to my acct but that was a lie another executive named XXXX said that on XXXX XX/XX/XXXX when we spoke he saw the error that wells fargo made and i should have been credited because it was the error of an employee who entered in my claim wrong. They are still saying its closed my case manager XXXX who is reopening just got bavk to me yesturday friday XX/XX/XXXX I was told not by her but XXXX that i would have a credit in my acct by friday XX/XX/XXXX and we'll that's a lie too wells fargo is a terrible company I'm absolutely appalled at the customer service i have received what happen to 0 liability well that's a hoax if i have ever heard of one please help me recover my {$2600.00} please i will no longer do business with wells fargo or any bank in that matter
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a Capital One credit card and when my bill is do on the date the interest is included in the payment and is paid with a additional payment that is the be applied to my balance to reduce my principal balance. Instead the princial balance is being taken and its like identity theft and my available credit disapears which the interest is being double charge on my account and the available credit is being stolen from my account on the next day after the payment has been applied. 

I have contacted the creditor to inform them the payment for the monthly is not being applied towards principal to allow my to used my available credit and asked them to change the bill due date. 

Never happen and my payments are not being credited to reduce principal.