davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
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. (TN)

XXXX CARD is not my account, so I sent a letter off on ( XX/XX/2022 ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed. XXXX XXXX # XXXX. 

This is not my account.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Here is The following letter which i sent to Equifax via certified mail, directly explains my issue : EQUIFAX Information Services XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX, further XXXX XXXX has already exceeded the 30 days required to respond. 
XXXX XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for XXXX to correct this ASAP. XXXX XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX and XXXX have already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life and please forward to me an updated copy of my credit report. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (CA)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX / 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

Discover Bank was notified my account was " hacked '' or " hijacked '' after it was paid in full. I sent them a " fraud affidavit '' showing that my email was hacked and my discover card which I thought I had paid off was also hacked and used by unknown criminals to ring up charges. I informed them of these facts, yet they have filed a bogus lawsuit against me in XXXX XXXX County, Texas for a debt I did not incur. They refuse to release the case and go after the proper parties. My wife, who herself had a discover account, even made a payment on this hijacked account believing it to be hers, but it turns out it was my account and it was from charges incurred from identity theft. Discover Bank has not acted in good faith, they are abusive, corrupt and have hired an unethical outside law firm that files dozens and dozens of boilerplate lawsuits hoping to collect default judgments. I have answered the case and provided the court evidence through my answer of the fraud, yet they continue abusive collection tactics for an account in which I did not incur any debt. Discover card has sued the wrong person, myself who also happens to be a XXXX XXXX  veteran and victim of identity theft. Discover Bank is corrupt and should be investigated for their illegal actions.
Consumer complaint received 2021-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Fed Loan Servicing has violated my right to operate in commerce as a consumer, which is a violation of federal law. I have identified and made Fed Loan Servicing aware that my students loans are a consumer transaction. My social security card/number was used in order for this transaction to proceed. My social security card/number belongs to the Social Secuirty Administration and anything purchased with my social is the obligation of the United States Corporation according to Truth in Lending 15 USC 1601. A credit card ( as defined under 15 USC 1601 ( I ) the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Therefore under this definition by law this transaction makes me the original creditor. The FDCPA 15 USC 1692 never uses the term borrower, because there is no such thing as a borrower. You can not borrow your own money, and if referred to as a borrower in any contract is a violation of 15 USC 1692. Fed Loan Serving is a third party lender/bank/debt collector, and can not loan money or extend credit let alone attempt to collect a debt. I have expressed these violation and asked for a sworn affidavit and I submitted a debt validation letter which was signed and dated by a Fed Loan Serving Agent which is breaking federal law. They did not provide me with any documentation or provided any of my requests on my debt validation. Instead again referenced me as a borrower and XXXX XXXX  as the authorized signature for the creditor. It is impossible for XXXX XXXX to be the original creditor and yet signed an official document stating otherwise. I have also requested the immediate cease and desist on reorienting to my consumer reports without my consent which is a violation of 15 USC 1681. Fed Loam Servicing has blatantly refused to acknowledge my consumer right in that regard and continue to report on my consumer/credit errors which is actively damaging my consumer reputation which is a violation of the FCRA.
Consumer complaint received 2022-08-17
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. (TX)

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. 

In accordance with the Credit Reporting act XXXX XXXX  Account 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 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/2022, Wells Fargo received my payoff for a personal loan. There was a {$740.00} overage after payoff. They waited two weeks to procees it and another two weeks to mail it out.I haven't recieved it yet. I have called two times and my local Wells Fargo banker has called once. We both were given the exact same answer : it was mailed yesterday and it will be there in 7 to 10 days. I understand that they are understaffed, but I feel their personal loan department has zero integrity and will tell you whatever they have to to get you off the line.
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

My regular monthly Mortgage payment is {$1500.00}. 

1. 
On XX/XX/2018 I made my Regular monthly payment of {$1500.00} for the Month of XX/XX/2018. 
Along with that I made additional Payment of {$3500.00} towards my principal. 
The Company did not credit the additional payment of {$3500.00} to my account. Instead they transferred to Unapplied Funds. 

2. Similarly, I made my Regular payment of {$1500.00} on XX/XX/2018 towards my XXXX Payment. The Company did not credit this amount also to my account and transferred to Unapplied Funds Thus, my Total {$5000.00} has been sitting in Unapplied Funds without being credited towards my Mortgage Loan. They keep charging me interest on this amount. 

I called them twice before and also sent an email on XX/XX/2018,  but till today, this has not been settled.
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I have been getting calls everyday since the end of last year stating they were a legal firm in my maiden name XXXX XXXX. My first call came from a XXXX XXXX on XX/XX/XXXX. After I got one call, they proceeded to call my family members. They started calling me, and on the same day of XX/XX/XXXX at XXXX. They stated their name is XXXX XXXX, stating that they were putting a judgement on me and would have legal documents for me to sign. They proceeded to call my sister with the same message. I asked that he would stop calling my family members. I asked for the name of their company, and they didn't give me a name of a company except that they were a legal company. I asked that he would send me proof that I owe anything, he stated that he doesn't have anything to send me because he was about to put the judgement in for me. I proceeded to tell him that I would pay or work on anything until I got paperwork showing proof. He told me again that he couldn't. I told him that I would contact 5/3rd bank myself to find out exactly what I owed. He gave me a number, however that was not the correct number. I ended up calling the bank, and they stated that it was collections. Which they gave me a phone number, which they told me they couldn't find an account for me. When I talked to him again, he stated that he was able to find my family members info by searching my social online. I stated that was against the law, and he said that is what they did. Since then, they have called my dad which my dad hung up because the gentleman was rude and had no information for him.
Consumer complaint received 2020-09-23
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. (AZ)

My dispute is with Experian and why they can not explain why my FICO Score dropped 60 points in a month. Their blase ' response is to provide me with percentages ... and a swipe of their hands to dismiss me because, as they say, FICO scores can not be disputed. HUH? I thought, " So you can't fight City Hall? I have no recourse, they say. Their Boost program might help my score, but I have to give them permission to review my bank statements ( after their breach in 2017 ), and/or apply to one of their referred credit card companies. 

Back to how my score would drop so drastically after a year of stabilization. I was considered fair and now I am considered poor and I don't know why it changed. I did apply to XXXX XXXX for a credit card, a hard inquiry. 

My credit report shows " You have no positive factors impacting your score. I had decent credit for years before I had a financial hardship, and they are on my credit report. And the credit card companies 'charged off ' my debt a while ago. And now Experian, shows that I have 7 NEW late payments. These are the old charged off accounts, except for XXXX which is in collections for {$160.00}. These are not NEW. Why are they affecting my FICO score now? 

Experian notified me of my credit score drop and immediately offered me credit card application solutions. 

Experian said that their models could change and this might be a contributor to my drastic score change. How can they decide to change models at the detriment of consumers? 

How can Experian being exempt from mistakes? 

I need help to correct this serious problem. I need a sound explanation as to why I am stuck under a thumb that doesn't care about consumers. This is UNFAIR! I
Consumer complaint received 2019-01-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Express, LLC (TN)

Hi, I have been dealing with cash express for some time trying to pay off a title. The last payment was due on XX/XX/XXXX my last payment was due on the XXXX I assumed it was the same day every month. They charged a XXXX dollar late fee. I have already paid XXXX and they say I still owe XXXX on a XXXX dollar loan. The total of payments on my loan is supposed to be XXXX. It seems really shady and excessive fees for a loan. The lady told me when I took out the loan I would make 13 payments now they say its 22. Can you please investigate there policies and make sure they are following the guidelines. There predatory process has really put me in a spot.
Consumer complaint received 2018-08-26
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. (MI)

Dear Sir, I have no idea, why Experian has been mentioning hundreds of soft inquires in my credit file. I have taken Experian membership, checking myself by logging into my account and paying every month to check my credit and protect Identity. As and when I run credit report, I have seen the soft inquiry of " XXXX XXXX XXXX '', " XXXX/XXXX XXXX XXXX '', " EXPERIAN '', " XXXX XXXX '' and " EXPERIAN ''. I ran the credit report dated XX/XX/2018 and got to know that Hundreds of soft inquiry on my credit file by above mentioned companies. Could CFPB kindly direct to explain the reason of above mentioned company inquires, who are they and why my credit file has hundreds of soft inquiries by above mentioned companies. 
My credit file should have only inquiries related to me and only my Experian self check credit report and inquiry date. I have no idea, why these companies have hundreds of soft inquiry on my credit file and Experian must answer all these soft inquiries in my file.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

1. I did not not have the option to set up automatic bill pay that defaults to the minimum amount due. Had to manually set up monthly payments at a certain dollar amount. Increases the risk that I'll not meet minimum payment. 

2. After three months of a consistent {$25.00} minimum payment, my minimum due was increased to {$62.00}. Again, this seems like an attempt to trick me into paying less than the minimum payment, so they can both charge me a fee for failing to pay AND so they can remove the promotional APR I qualify for.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NC)

I returned merchandise to XXXX XXXX on XX/XX/XXXX and my Amex Serve card was used for that transaction. The merchant issued a refund credit to my Amex Serve card on XX/XX/XXXX for {$210.00}. The original charge was {$220.00} so the refund credit is for the original amount minus the shipping charges. American Express has put my return credit on hold for 7 days and this is money owed to me.
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Thomas Agency, Inc. (CO)

In XX/XX/2019 I set up a payment plan with the Thomas Agency to pay an unreported debt I received notice about. I had an old debt that had been reported and was about to fall off my credit after hitting the 7 year mark. So we made a verbal agreement to set up a 6 month payment plan. Since they would not put it in writing, I sent my checks with accompanying letters confirming the arrangement, the debt to be paid and that acceptance of the check was acceptance of the terms of the agreement. Now four months later it has been brought to my attention that they have been taking my  payments and applying them to the old debt. I noticed this after they pulled this debt off my credit report, only to re-report it the next month as a new debt. This has hurt my credit and the company is not taking any responsibility for this. Their only response was to take the payment off and report the same debt yet again. I do not know if this is payment plan of unreported debt is a scheme to get old debts paid off, but either way it is in breach of an agreement they made to me. Now I am in a position that my credit is going to get further destroyed, as a result of just trying to pay what I owe. I have saved my letters and accompanying check numbers.
Consumer complaint received 2019-09-10
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: EQUIFAX, INC. (TX)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-09-10
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. (IA)

I found a credit card account on my credit report that did not belong to me and disputed it with XXXX XXXX XXXX as identity theft. I was able to determine my mother used some of my information to take this credit card out in my name, max it and never make a payment. XXXX XXXX XXXX was reluctant to help and required me to complete a police report which I did. I reported to the XXXX, IA Police Department that my mother had committed identity theft in taking a credit card out in my name. The police department asked for additional information which I did not have and when I requested it of XXXX XXXX XXXX they refused to cooperate with the police investigation. I also hired my boss 's husband who has a lot of experience in forensic and fraud investigation. He reached out to XXXX XXXX XXXX and they required me to fill out some additional paperwork which I did. Prior to filing out that paperwork they said their investigation determined it wasn't fraudulent because of 3 points. Those 3 points were the address

of the credit card ( not my address it was my mothers ) the IP and email of the credit card application ( not my IP address and it was my mothers email ) and the phone number used on the account ( not my phone number but my mothers ).

I'm an adult and don't have anything to do with my mother for obvious reasons. I've repeatedly reported this identity theft to XXXX XXXX XXXX and they refuse to remove the account and refuse to remove it from my credit report which harms my credit score. I believe they have violated my rights under the FDCPA and the FCRA. While they were not the initial fraudster, my mother was, they have contributed to perpetrating a fraud and identity theft on me by lacking to apply the most basic of investigative work once they were notified of the identity theft. A child using an internet browser could quickly determine the information XXXX XXXX XXXX  points to proves it isn't my account versus proving otherwise. Furthermore, I have witnesses to this which have informed XXXX XXXX XXXX  of these errors and they ignore any real evidence.
Consumer complaint received 2019-01-14
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. (GA)

There are several items reporting on my credit report that does not belong to me. These items are reporting as a result of identity theft. The following items are not mine : XXXX XXXX/XXXX  XXXX - Opened XX/XX/2017 Incorrect Addresses : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX Credit 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
Consumer complaint received 2018-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I sent Navient, a total of 11 checks, in ( 1 ) envelope ( the same ) payable to Navient, totaling {$34000.00}, via USPS, Express Mail, on XX/XX/2018, to payoff my Student Loans. 
{$460.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
Each check has my name, dollar amount, and account number written. 
Navient, only posted 1 check for the amount of {$240.00} to my Student Loan Account, on Monday, XX/XX/2018. 
My account is now showing past due amounts, and Ive been unsuccessful with telephone conversations with Navient customer service representatives. 
Im totally frustrated.
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I have contacted Synchrony every month since XXXX wanting to know why I was being charged a fee higher and in addition to the interest. They kept saying it was for debt protection. I have told them I never signed up for that and want it canceled along with a refund. Apparently I have been paying the fee for years and they still have not canceled it. Magically a payment I made last month never reached them. Please help.