davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-12
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: Lending Club Corp (NC)

I've been charged with borrowing money from the Lending Club on 3 separate occasions, and I haven't borrowed from them on any occasion. 

First Loan {$8000.00} Opened XXXX XXXX Closed XXXX XXXX Paid as Promised 2nd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Paid as Promised 3rd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Charge Off I've explained in 2 letters that none of the accounts belong to me, I've ask them to send me proof of ownership, and they have not answered any of my letters, They have sold the account to two other companies since then, I've ask them for the same information and they refuse to answer my letters.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I previously sent communications of evidence of fraud and identity theft to XXXX XXXX XXXX of TRANSUNION XXXX Documents included were verifiable proof of identity theft It was sent via certified mail return receipt and my commands was not met. I am an XXXX XXXX and I am not a XXXX XXXX XXXX XXXX, STATUTORY CITIZEN and Im not subject to any foreign jurisdiction. I am XXXX XXXX XXXX and my free national name is XXXX XXXX XXXX and I am the original creditor whose rights have been extremely violated. This is a huge consumer rights violation which this in itself is hypothetication I demand that this misrepresentation be corrected immediately. I am in full life and Im not dead at sea. Nor did I give consent verbally or otherwise to have the legal fiction for the use of XXXX XXXX XXXX I will attach the irrefutable documents to clear up any misrepresentation.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MS)

Fay Servicing LLC has continuously ignored the letters and notices that have been sent to them. We have sent multiple letters in XX/XX/XXXX and XX/XX/XXXX, in which they have completely ignored or sent back. As I told Fay Servicing before, this was not an attempt to not pay the mortgage, this was an attempt to see exactly where the money I have paid is being applied to? I received a letter around XX/XX/XXXX to inform me that my payments would go up almost 50 % from {$700.00} to {$1100.00} and can not find that information from the " contract '' that they sent when I asked. That is not giving full disclosure to the consumer and that is against the law. They have sent people I do not know to take pictures of my house, they have reported information on my credit report, that is adverse action. It seems they are trying to take advantage of me in this situation instead of providing the information that I asked. When asked who is the " owner of the loan '' no information was given. Those are elements of fraud and I feel that Fay Servicing is extorting me for a debt that they can not and refuse to verify. I received a letter on XX/XX/XXXX stating that they have hired a foreclosure attorney when they have not provided any information that I have asked for.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

Fax XXXX XXXX XXXX Account Manager XXXX XXXX. 
Case Number : XXXX Last Name : XXXX XXXX Phone Number : XXXX ext XXXX Regarding : He is calling for a personal business matter. 
w XXXX  XXXX XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from Wells Fargo account Account gets and outstanding balance of {$300.00}. 

Customer ask to reverse {$300.00} back to Wells Fargo but the money never made to his account. Customer called inquire about the reverse status of the account XXXX  XXXX XXXX representative instructed customer to contact his bank Wells Fargo. 

Wells Fargo re ensure money never made to the account and reverse the charge. 

XXXX  XXXX XXXX Open a investigation and issue a letter stating that : " They issue the refund and is wells Fargo responsibility to conduct the research. '' Because XXXX XXXX XXXXXXXX claims that customer was refunded and reverse charge occurred on XX/XX/XXXX. Costumer account reflects a negative balance of {$300.00}. 

XXXX XXXX XXXX Letter is attached.

Customer call wells Fargo Multiple times and customer is inform WellsFargo never received the money but they can't provide documentation.
Consumer complaint received 2022-02-04
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2018-08-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

Tueday XX/XX/XXXX I tried logging onto my XXXX account to pay a bill ( which was sold to XXXX  ). For some reason, my password was not working. I thought it was me, so for the greater part of yesterday, I attempted to figure the password out. It told me that my SSN is not valid ( yes it is ). After seeing this, I looked back into my emails to see if XXXX sent me a change of provider email and no such email exists. I then went back onto the site, change my username and password to start fresh, and tried to look for contact information. There is no such place for me to get information about where this loan is. I logged onto my XXXX  account ... it is not listed under any loan servicer. After seeing this, I contacted XXXX XXXX University student aid and was not given an ounce of information. At first she acted like she had no idea what I was talking about. Then, once I explained that this issue is being written about all over the internet and every other University is assisting their students and these phone calls in helping them find the new servicer, she put me on hold. Once she came back on the phone she gave me an 800 number to call. I told her that XXXX   could not give me the information since it was a private student federal perkins loan and that it is her that is supposed to give me that information. Now, she started talking down to me and refused to give me anything but repeat the phone number and tell me to call them. So, knowing that it was not going to go anywhere, I called the 1 800 number ... .and of course, since it is a federal perkins loan they told me to contact student aid at my university. This is unacceptable. Every single person that has posted about this issue on the internet has had the same problem. XXXX  DID NOT issue a mass email/letter stating the switch in providers and my specific university has been of zero help.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX - Chase Sapphire Preferred card was opened via online form ( applied via Chase website and was approved ) I miswrote the address and had to call to get the address changed. 

Every large purchase I make on the card, I get flagged for fraud or 'fraud protection ', even when I call the Chase customer service line before and after the purchase to confirm it is me making the purchase. 

Chase refused to verify my phone number and only calls me regarding my personal account by calling my father 's phone number. When I stated that this is a breach of my privacy as it's not my own phone number, Chase bank representative said the only way to verify my phone number is if I created a separate phone line from my father and had the bill in my name. ( They repeatedly claim they do this for security purposes- however, calling another person regarding my financial account is NOT secure. ) I have called them repeatedly, nearly daily for a week at the end of XXXX, and every single charge I make is marked for fraud. I go into a Chase bank branch and they tell me they can not help me in-person. Every time a Chase bank representative talk to me, they tell me my card is clear to use. I make a purchase and then it is immediately marked for fraud. My card is not usable. 

XXXX XX/XX/XXXX- Through daily calls with Chase bank customer service, a Chase bank representative tells me that the fraud team will review all my charges and that I can not and must not use my card until the review is clear. 

I receive no communication from Chase bank for the next month. 

XX/XX/XXXX- I call Chase bank and get transferred to the fraud team. They say another charge, made on XXXX XXXX is still under review and they will have to have the fraud team view it. My card has not been usable for a month. 

I believe with the sign on bonus of spending {$4000.00} within 3 months, Chase bank is purposely marking my account as fraud so that I can not receive this bonus. I believe they are making it difficult to use my card because the large purchases I am making ( $ XXXX ) that I repeatedly call them about to clear will make it so that I will accrue many points in a short amount of time and therefore reach this sign on bonus before they anticipated, therefore they are purposely keeping me from making purchases in hopes that I do not reach the {$4000.00} threshold to receive the sign on bonus.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a letter to Transunion dated XX/XX/year> requesting Full Disclosure 15 USC 1681g ( a ) ( 1 ) and stated that I didn't want another copy of my credit report and that is what was sent back to me.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (FL)

I used to live at the XXXX XXXX XXXX in XXXX, FL. I was laid off from my position and on unemployment. I tried to work out a payment arrangement with the property management team. 

However, this was not possible I even tried submitted a payment for the rent for the month of XX/XX/XXXX but since it was late and eviction had began it was given back in XX/XX/XXXX and I left the property. I never received an itemized bill of debt remaining all I was told was I owed the balance of rent which then was XXXX because they kept my security deposit which was greater than the balance of rent. Later I learn there were two filings on my credit reports one from Residential Data LLC and one from National Credit Audit. both claiming I owe them {$3600.00} for the same property. I found out these are the same company. XXXX XXXX has been assisting me to get this off of my credit. National Credit Audit was removed from XXXX  and so was Residential Data LLC. 

When looking up First Advantage NCAC # XXXX or National Credit Audit is states it is a creditor I didn't borrow money from them. I have no idea what the account number is this is what is on the credit report. I never received any paperwork outlining the balance due. Years ago I received a blue paper with an amount due of {$3600.00} I didn't even know what the bill was for and when I called they said you owe this money. 

In addition XXXX  removed the Residential Data LLC claim then National Credit Audit now known as First Advantage NCAC came on and every attempt to have it removed has failed. XXXX  keeps stating the company says the record is accurate. I was living in a hotel in XX/XX/XXXX not the XXXX XXXX XXXX. I have no idea how this company came to the amount they are asking for. In addition, XXXX  is not helping. Last year I tried to file but it was impossible to up load documents to the website. I just tried again. I found another discrepancy on my credit when disputing it with XXXX  I was confronted with the same information even when I pointed out it was wrong it didn't matter. I had to go to XXXX XXXX XXXX and show them the item and yes they apologized and it was removed. I can't got to this fake company because they just say " we are right '' without any proof. This is frustrating. 

Since XXXX I have worked hard I was able to rent with the same property owner from XX/XX/XXXX until XX/XX/XXXX often paying my rent before it was due. But that does not matter because this huge unjustified claim has been filed against me. In addition the date is wrong thus it will not simply fall off my credit in XXXX but XXXX on my credit unit XXXX of XXXX. I thought that if the information was wrong it had to be removed.
Consumer complaint received 2023-08-21
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: Navient Solutions, LLC. (SC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 usc 1681 section 602 states I have a right to privacy. 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 usc 1666b a creditor may treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-08-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (LA)

Around XX/XX/2016, I purchased a vehicle from, " XXXX XXXX XXXX. I specifically stated to the sales rep & finance manager, that I only wanted a vehicle worth XXXX dollars. We agreed on a XXXX XXXX XXXX XXXX, with sunroof, around XXXX mi. I put a XXXX dollars down towards the purchase of the vehicle. I tried to get the vehicle refinanced then discovered that the dealership fraudulently added about XXXX to the total finance cost of the vehicle. The vehicle was also falsely advertisted as in great condition, but a severe frame damge front and rear ... ....
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB Team, I have been a Bank of America customer for over 30 years. My 'Advantage Relationship Banking ' checking account is linked to a Regular Savings Account and a Money Market Savings Account. I have maintained a minimum balance in both savings accounts of {$5000.00} for years -- {$10000.00} min. per month total -- in order to avoid monthly maintenance charges on my checking account. 

Beginning in XX/XX/XXXX BofA began charging a {$25.00} 'Advantage Monthly Maintenance Fee '. I didn't notice this until XX/XX/XXXX -- 15 months later -- by which time I had been charged {$370.00} in fees despite the fact that my Advantage Relationship Banking checking account was linked to my 2 savings accounts. 

This monthly service fee was not charged in XX/XX/XXXX, nor in any months prior -- because my checking account was properly linked to my 2 savings account. 

Over the past month I have called BofA 's customer service line several times, have been transferred to supervisors to explain my concern. I was told to visit a branch and speak to a branch manager - I did so, had to schedule an appointment for a week later. 
Following the appointment where I spoke to both the bank manager and a 'Credit Solutions Advisor ' I heard nothing for 2 weeks. 

Yesterday, XX/XX/XXXX, I returned to the bank and asked the bank manager about the status of my complaint about the monthly service fees. She apparently called her supervisor because after 15 minutes she returned to tell me that I had to have a $ XXXX balance to avoid monthly fees. 

Today I again called the BofA Customer Service number ( XXXX ) and the upshot of 45 minutes on line with a customer service representative ( after conferring with his supervisor ) was that my checking account hadn't been properly linked to the 2 savings accounts, and by not maintaining a minimum XXXX XXXXXXXX balance in my checking account I had incurred the XXXX XXXX monthly charge. 

Conclusion : I did nothing in XXXX of XXXX to 'de-link ' my checking account from my 2 savings accounts. I believe the bank surreptitiously de-linked them to charge a monthly maintenance fee, expecting that I would not notice it. Today the BofA representative assured me that the checking account has be properly linked to the 2 savings accounts again and that I should incur the monthly charge no longer if I continue to maintain a min. balance between the 2 savings accounts of at least $ XXXX. 

On the heels of last week 's announcement that the CFPB has ordered BofA to pay more than XXXX XXXXXXXX to customers in fines, junk fees, fake accounts, etc., I am registering my complaint against this blatant effort by BofA to enhance its corporate revenue at the expense of unsuspecting customers such as myself. 

I welcome any inquiries should you be willing to act on this complaint. 

Thank you for your service.
Consumer complaint received 2021-03-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (SC)

I was in a deferral period with both XXXX and Navient and submitted the paperwork to consolidate and continue to defer my loans. The organizations did not process my paperwork in a timely manner and it caused all my student loan accounts to go into delinquency. I was never informed that the paperwork had not been processed or that I was back in a repayment period ; therefore, I became 180 days delinquent without ever being notified. Finally after the 180 day mark I received a letter from the organization stating that I was delinquent.
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. (DC)

I recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your e-Oscar system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter.
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Weltman, Weinberg & Reis Co., L.P.A. (TN)

The debt collector by the name of XXXX XXXX ( " XXXX '' ) who falsely identifies himself as an Attorney which violates 15 U.S.C. 1692e ( 3 ) took legal action against me for a consumer credit transaction that I initiated for a credit card on behalf of XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ). XXXX is a debt collector. I am the original creditor for the consumer credit transaction. XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them. I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. XXXX XXXX also did not have the permission from a court of competent jurisdiction to communicate with XXXX. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. I was never properly served legal documents. XXXX does not have authority to take any legal action against me pursuant to 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. He requested a default judgment against me and mail was sent to an address that does not belong to me. This is not my first run in with XXXX taking illegal action against me. My private identifying information for my former name appears on a court docket which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit. They reported false information on my consumer report which resulted in adverse actions. The information was posted to the credit reporting agencies to coerce payment of the debt. I will attach a copy for review.
Consumer complaint received 2022-02-23
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. (GA)

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX  XXXX Balance - XXXX XXXX XXXX  XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance - XXXX XXXX Balance - XXXX XXXX XXXXE XXXX Balance - XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance - Bankruptcy XXXX XXXX-dismissed Reference number : XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXX-dismissed Reference number : XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXXdismissed Reference number : XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXXdischarged Reference number : XXXX Filed on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX