davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 I sent a certified letter to WELLS FARGO DEALER SVC in regards to a fraudulent account add to my credit report. It was a Cease and Desist letter that WELLS FARGO DEALER SVC acknowledged they had received. They stated they would cease communications. However according to the FCRA they are violating my rights. They have continued to " COMMUNICATE '' with the credit reporting agencies and therefore communicating with me indirectly. The laws clearly state that this goes against a cease and desist demand. In addition to this violation they have 6 other violations of my federally protected consumer rights totaling in {$7000.00} in damages. 15 USC 1692k states court may allow, but not exceed {$1000.00} per violation. 

15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
15 USC 1692b ( 2 ) - Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt 15 USC 1692g ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
15 USC 1692d ( 2 ) The use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader 15 USC 1692g - The term creditor means any person who offers or extends credit creating a debt. I, the natural person, am the original creditor, do not validate this debt 15 USC 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates 15 USC 1681m ( d ) ( D ) - Any person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer. 
I'm in the process of purchasing a home and this company has caused me mental anguish, damage to my reputation, and lost wages due to this fraudulent account. I will be pursuing civil compensation. I have sent this company an Affidavit of Truth stating all that is true. They continue to violate my rights.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I was told I did not owe a payment to Nelnet when the XXXX loans started up again. I kept checking and my account had {$0.00} due. I did get a bill for XXXX, which I paid in full. I logged in this morning only to see a past due amount for the last 90 days. I called and they said they could not do anything other than put it in forbearance for a month but it still shows past due.
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2022 I was notified my name was inthe XXXX XXXX and XXXX XXXX breaches, filed a claim wth XXXX and filed a FTC ID affidavit. 
This would be my third time sending some king of communication to Transunion. I promptly ordered a free credit report and found many erroneous names, addresses, ssn and accounts that were not mine. 
Transunion Fraud Dept gave me a claim # XXXX to help me remedy this matter quicker but, i was unable to download or receieve free credit reports as stated. 

I notified the credit bureaus and creditors and so far many errors have been rectified. 
Transunion has been the only company which has consisently violated my rights by not letting me able to dispute and then say the info was verified when the XXXX and XXXX have deleted these fraudulant accounts. 
Names on my report are not correct, addresses and accounts from addresses that are errors. 
Pursuant U.S.C 1681, I have right fair an accurate reporting of info on my reports. 
I am requesting these accounts be removed
Consumer complaint received 2022-03-25
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. (MD)

I DID NOT GIVE CONSENT TO THE ALLEGED COMPANIES TO FURNISH THE ALLEGED ACCOUNTS ON MY CONSUMER REPORT, NOR WAS I GIVEN PROPER EXPLANATION THAT THESE ACCOUNTS WOULD BE FURNISHED ON MY REPORT. I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATELY. I DO NOT DENY THE DEBT. I DO DENY CONSENT TO FURNISH. LAWS VALIDATING MY CAUSE ARE ATTACHED. FAILURE TO COMPLY WILL RESULT IN FINES UP TO {$1000.00} PER VIOLATION.
Consumer complaint received 2022-03-25
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. (MD)

I DID NOT GIVE CONSENT TO THE ALLEGED COMPANIES TO FURNISH THE ALLEGED ACCOUNTS ON MY CONSUMER REPORT, NOR WAS I GIVEN PROPER EXPLANATION THAT THESE ACCOUNTS WOULD BE FURNISHED ON MY REPORT. I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATELY. I DO NOT DENY THE DEBT. I DO DENY CONSENT TO FURNISH. LAWS VALIDATING MY CAUSE ARE ATTACHED. FAILURE TO COMPLY WILL RESULT IN FINES UP TO {$1000.00} PER VIOLATION.
Consumer complaint received 2023-12-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

Columbia debt collection is running an illegal debt collection business and breaking every section FDCPA. The latest is they refuse to tell me who theyre collecting the debt for. They keep saying theyre collecting for one company and then sending a ledger and agreement as verification of debt for a completely different company. Ive called multiple times and asked which company theyre trying to collect for and they have told me they do not know.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

I have been consistent with child support in the state of XXXX county of XXXX County. I am making weekly payments, however, I am still having child support negatively reporting on my credit report. Every week I am making child support payments. Yet it is not showing positively on my credit report.
Consumer complaint received 2021-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (WA)

I was contacted via mail by Sequium Asset Solution, LLC in XX/XX/XXXX. Their letter was dated XX/XX/XXXX about an outstanding balance with XXXX of {$400.00}. Which includes {$200.00} for the final bill and {$200.00} for the equipment charge totaling {$400.00}. 

I paid the balance of {$200.00} on XX/XX/XXXX through XXXX ( XXXX  ) website and called Sequium Asset Solutions stating that I paid the final balance of the bill that XXXX sent to me dated XX/XX/XXXX. On that bill from XX/XX/XXXX that XXXX sent me, it was noted that the {$200.00} charge was credited because I had returned the equipment back to them which is also noted on the XX/XX/XXXX bill that I returned the equipment in-store to XXXX on XX/XX/XXXX. The gentlemen that I spoke to noted my account and stated they would contact XXXX and dispute the charge with them. After receiving no response of the dispute or an account update I sent them a debt validation letter and they did not response to it. Instead they listed the account on my credit reports for a balance of {$200.00} still due. I have verified with XXXX over the phone during the month of XXXX, as well as most recently XX/XX/XXXX in-person at the XXXX- XXXX store and over the phone to make sure that I owe XXXX no further debts on my previous account. I have disputed with the credit bureaus and showed proof that XXXX has received both final payment and the equipment back. There is no further amounts or equipment that I owe. 

When I noticed the Collection account on my credit report on XX/XX/XXXX I contacted Sequium and even though I provided proof via mail and online they refuse to acknowledge that I returned the equipment and even wanted me to pay the {$200.00}. They specifically mention it is for the equipment and they ignore any proof coming from XXXX which is the Final bill dated XX/XX/XXXX which is clear as day stating that there is a credit of {$200.00} and a new balance of {$200.00} ( which I mentioned I had already paid ). They also choose to ignore the receipt of return which even provides the serial numbers of the equipment I returned. 

XXXX has stated multiple times that I do not owe any debts with them and they have received final payment and equipment. They have stated they do not know why the Collection Agency continues to try and collect the debt.
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NC)

I have a credit card issued by " The Children 's Place '', which is overseen by Commenity Bank/Bread Financial . On Saturday, XX/XX/XXXX, I received an email stating I had a past due balance of {$6.00}. I checked my account with this card, and the online statement relfected I paid this account in full in on XX/XX/XXXX. However, I was charged a " minimum interest charge '' on XX/XX/XXXX, in the amount of {$2.00}. On XX/XX/XXXX, I was charged a " late fee '' of {$2.00}, and another {$2.00} again on XX/XX/XXXX for a " minimum interest charge '', and total of {$6.00}. I called the tollfree number and the representative with Commenity Bank/Bread Financial said `` no problem '' and would correct my account. However, these negative actions greatly affect my credit report rating. There in no way to contact someone with Commenity Bank/Bread Financial to express my concerns about the credit rating, as the telephone representatives are foreigners and do not understand when I try to express my concerns. I hold Commenity Bank/Bread Financial responsible for a fair credit report on my credit file and want it corrected immediately. As of today, XX/XX/XXXX, my account statement reflects a credit balance of negative {$8.00}. I dont understand I went from being past due of {$6.00} to a negative balance of {$8.00}.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX   Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2017-06-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CalAtlantic Financial Services, Inc., Scottsdale, AZ Branch (NV)

CalAtlantic is the most incompetent group of people have I ever dealt with and despite being six months aft er closing I am still hassling once a week with their mistakes and incompetence. During our  XXXX   XXXX  closing, we paid dues to our master association of {$150.00} and a capital contribution to the master HOA of {$500.00}. The closing statement also shows {$620.00} paid for  XXXX   XXXX   XXXX ,  2017  dues to the local association and a capital contribution of {$150.00}.     None of those amounts have been properly distributed to the proper HOAs. The master association has received none of the money. The local association received {$650.00} of the {$770.00} we paid but it 's not clear what that was for. There is a likelihood that CalAtlantic should pay {$150.00} to the master but no body knows.     They are refusing to answer the questions to both myself and to the various associations. Maybe they intend to keep the money, which would n't surprise. It 's amazing this group of complete incompetents can continue to operate.
Consumer complaint received 2019-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank Of America ( BOA ) is charging Overdraft fees like anything. They charged 4 times overdraft fee in a single day ( each time {$35.00} dollars ) ( plz see the attached snap ). I called them and they said " System does not let us waive any of it ''. It has happened in the past and they did the same thing. BOA do not give me option to opt-out of this overdraft protection, I have requested few times in the past by visiting the bank but they always says that " Checking account has to have the overdraft protection ''. 
This is going crazy as BOA has charged 20 times overdraft fee ( {$35.00} XXXX  {$20.00} = {$700.00} ) between the period of XX/XX/XXXX - XX/XX/XXXX. 
They do charge lot of other fees like ATM fees ( {$2.00} dollar for each transaction using any other ATM ) but I understand that and not complaining about that. 

But I want all overdraft fee to be waived off. 
I am attaching the document which list down all 20 overdraft fee BOA has charged me between XX/XX/XXXX - XX/XX/XXXX period.
Consumer complaint received 2019-08-04
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: EQUIFAX, INC. (GA)

I have been notified by Equifax of the data breach. Upon the link sent by Equifax it is confirmed I have been impacted by the Equifax Data Breach. As a result of this my personal information has been exposed which has resulted in inaccurate information reported. Equifax is reporting a Bankruptcy Case under my name which is inaccurate. This inaccurate reporting is a direct result of the Equifax Data Breach from information that belongs to someone else and is a result of fraud and errors from Equifax. Upon m check with Equifax it has been determined this breach has affected my personal information by this incident. I have filed my claim against Equifax but are now left to dealing with the inaccurate information reported on the behalf of Equifax.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I wrote Credit Bureau on multiple occasions asking to verify a bankruptcy on my credit report. I asked to verify when it was reported, who they talked to, phone number called, etc. They wrote back and just said verified. They never would give me what I asked for.
Consumer complaint received 2017-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

I attended XXXX College in XXXX WA from XXXX. My school loan was for approx XXXX. I was awarded a federal pell grant, which paid  everything except XXXX which I was responsible for paying ; I paid that in full. My loan was handled by Navient loan Servicer. For some reason they took my XXXX tax return of XXXX out of my bank account directly. I was given this number by the IRS XXXX and told to call them to find out why they are taking my tax return money. I did so, the XXXX number was a debt collector agency and would not discuss any details with me ; they were only able to tell me that I owe the " US Department of Education '' {$16000.00} for a school loan that I had n't paid. <P/>My student loan was paid in full inXX/XX/XXXX; between my pell grant and my personal payments of {$2000.00}. <P/>There is absolutely no reason why I should have over {$16000.00} dollars worth of school loan debt! <P/>This XXXX number representative also told me that the US Department of Education had sent me bills for this debt - which is false ; they did n't even have my correct address on file! I have never received any sort of bill for this debt and it is a wrongful debt not owed by me ; still they unknowingly took my entire tax refund from me. That money was for my XXXX young daughters. How can I replace that income lost that I rightfully earned!? <P/>I also checked my credit report with XXXX and XXXX - this debt is not on my credit report anywhere ; most liked because it was added falsely and recently.
Consumer complaint received 2021-08-24
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED IN MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2019-06-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America is my mortgage servicer. An individual named XXXX XXXX has acquired title to the property via fraud and I have filed a case in district court. 
Mr. XXXX has my social security number and is ordering payoffs through Bank of Americas automated system. They are having the payoffs sent to the title company. XXXX XXXX. They have done nothing with the 40 plus  complaints I have made since XX/XX/XXXX. Each day that I call they let me know an investigator will call. This has been going on since XX/XX/XXXX They are doing nothing and have shared my non public information with bunches of people that I didn't authorize. Please Help?
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

When XXXX ( now XXXX XXXX  ) took over the loan ( from XXXX XXXX they would not accept XXXX forbearance agreement. Even though this was provided to them and multiple conversations occurred. XXXX went so far to attempt to foreclose on my home. Multiple people in my family receiving notification of this ( and not one person co signed so thats a privacy issue ). I tried very hard to work with the company. They would not hear me I finally contacted the attorney general who was able to stop what they were illegally doing. They have marked my loan as being in default from XX/XX/XXXX until XX/XX/XXXX appearing as though I simply didnt make payments and was severely late greatly affecting my credit score. Additionally I have reached out to this company multiple times via email and phone calls. I have discussed a modification be offered which has not occurred. I also have noticed a XXXX increase on my mortgage in under a year. There are still attorney fees they are charging me for that they have assured the attorneys general that they were removed. My interest rate is the highest its been I believe around 9 % Before they took the loan my interest rate was under 5 %. Because I can not trust this company for obvious reasons I fear they will try to do something that will harm me in some way again. I assume take action on my own, and am seeking a mortgage arrears resolution process be initiated. I would like the lowest mod possible. I can not seem to communicate with this company in a manner that is effective. Please communicate this on my behalf. 
XXXX XXXX
Consumer complaint received 2020-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (FL)

After losing my job and having a hard time making payments on the loan I received from Opploans ( which was 160 % apr ) they started calling me nearly every day and also calling my family members. It got even worse when they started calling me on Sundays at XXXX XXXX. Which is against the federal regulations of debt collection practices. I will be filing suit.