davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

PROBLEM : Since XX/XX/XXXX I have been trying to get XXXX to correct my credit reporting for the BIG 4 including XXXX, XXXX  and Experion as promised.

I was told once my modification was completed all of my negative reporting would be cleared up as ok. I started the process in XX/XX/XXXX and it finally concluded on XX/XX/XXXX with the modification. Immediately, XXXX disbands the division, the employees disappear and my loan is transferred to XXXX XXXX. 

XXXX was practicing the same hanky-panky which got them fined for {$28.00} XXXX by the CFPB ( XXXX ) in XXXX. Starting in XXXX XXXX would start the process, inform me not to make payments, asked for documents and would tell me my credit reports would be cleared for non-payments and changed to OK status. I was told throughout the process my credit reports were going to be corrected to show in good standing for every month throughout the process because I was doing everything on my part to get the modification done. 

The process would begin or restart and stop by XXXX after changing agents and using the excuse they had no paperwork, did not receive paperwork or needed other paperwork as I went through XXXX XXXX ( XXXX ), unknown worker ( XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

CREDIT REPORTING : For XXXX I show over 30 days late for ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and ( XXXX ) XXXX. Also, I am over 60 days late for ( XXXX ) XXXX, XXXX and XXXX. Finally, for ( XXXX ) I am over 90 days late for XXXX, XXXX and XXXX and over 120 days late ( XXXX ) XXXX, XXXX, XXXX and XXXX. In addition, despite making payments to XXXX XXXX for {$1300.00} on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX and {$1300.00} on XX/XX/XXXX ( see XXXX   XXXX  Statements for payments ), XXXX shows my account being past due on XX/XX/XXXX for over 120 days late for {$16000.00}. 

In my conversations with XXXX, despite knowing payments were made on time starting in XX/XX/XXXX, they will not correct the XX/XX/XXXX negative report. Finally, XXXX has had a history of this behavior with their customers. 

OTHER EVIDENCE : 1. XXXX XXXX Statements from XX/XX/XXXX XX/XX/XXXX showing on time payments to XXXX. 2.  Emails with XXXX  3. Emails with XXXX showing XXXX was unresponsive for SIX months from XX/XX/XXXX to XX/XX/XXXX getting XXXX the necessary information to complete the modification. This same lack of responsiveness was also why my information was never changed on my credit reports as I was told it was after the completion of the modification. 4. Credit reporting from XXXX & XXXX XXXX
Consumer complaint received 2019-04-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Enterprise Systems, Inc. (NJ)

There was a fraudulent private student loan taken out under my identity. I filed a police report and the investigator confirmed it was identity theft. I notified the creditor " XXXX '' and the XXXX credit reporting companies but nothing was done until XXXX after the credit repair company I hired sent the credit reporting companies the police report did they remove it from my credit report. After it was removed, creditor XXXX sold the loan to debt collector National Enterprise Systems even though they were fully aware I didn't acquire the loan. I advised National Enterprise Systems to provide me evidence that I owned the loan. The promissory note they emailed me indicated they forged the document by adding my name and other information using a pen because the form was barely readable. The promissory note also has the wrong birthday and social security number. I was then notified this morning XX/XX/XXXX that National Enterprise Systems reported the fraudulent student loan to XXXX with an additional {$100000.00} added to the original amount it was reporting.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Grain Technology, Inc. (CO)

XXXX balance was due XX/XX/XXXX. The balance was initiated on XX/XX/XXXX, but Grain didnt initiate it until XX/XX/XXXX. According to the emailed screenshot of the payment confirmation it was paid on XX/XX/XXXX, through the bank account checking/routing system. The payment was reported 30 days late to the Credit Agencies- it is not my fault that I paid it on the due date ( according to the email screenshot confirmation date ) but the company didnt initiate it until the day after. This is falsely and inaccurately reporting. This payment needs to be updated to Paid on time/current and sent to the agencies to update.
Consumer complaint received 2019-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NH)

I XXXX XXXX have been going through a difficult time financially. Recently I have received numerous calls even during work hours on collection of several debts. I would like a cease and desist on these calls, and a settlement offer from each creditor that I can look into borrowing funds from family members to pay off permanently.
Consumer complaint received 2019-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have disputed these accounts inwhich still remains on my report. In my dispute I've requested the Method Of Verification inwhich I have yet to receive. So now I'm requesting that these accounts be removed from my report as stated in the FCRA. The accounts are as following, ( 1 )  XXXX And XXXX {$750.00}, ( 2 ) XXXX XXXX Account Info. ( 3 ) Bankruptcy, ( 3 ) XXXX XXXX XXXX/ XXXX XXXX XXXX, XXXX, ( 4 )  XXXX/ XXXX XXXX XXXX XXXX , ( 5 ) XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, also them dates they're reporting are wrong.
Consumer complaint received 2019-02-09
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. (MO)

I have disputed these accounts inwhich still remains on my report. In my dispute I've requested the Method Of Verification inwhich I have yet to receive. So now I'm requesting that these accounts be removed from my report as stated in the FCRA. The accounts are as following, ( 1 ) XXXX XXXX XXXX {$750.00}, ( 2 ) XXXX XXXX XXXX XXXX  ( 3 ) Bankruptcy, ( 3 ) XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX, ( 4 ) XXXX XXXX XXXX XXXX XXXX  , ( 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also them dates they're reporting are wrong.
Consumer complaint received 2019-02-09
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. (MO)

I have disputed these accounts inwhich still remains on my report. In my dispute I've requested the Method Of Verification inwhich I have yet to receive. So now I'm requesting that these accounts be removed from my report as stated in the FCRA. The accounts are as following, ( 1 ) XXXX XXXX XXXX {$750.00}, ( 2 ) XXXX   XXXX XXXX  Info. ( 3 ) Bankruptcy, ( 3 ) XXXX  XXXX XXXX/ XXXX XXXX XXXX, XXXX, ( 4 ) XXXX/ XXXX XXXX XXXX XXXX , ( 5 ) XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, also them dates they're reporting are wrong.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Re : First National Bank of Omaha XXXX XXXX Credit Card Annual Fee. 

On XX/XX/2019, around XXXXXXXX XXXX Pacific time, while making the monthly payment for the XXXX XXXX charge card issued by First National Bank of Omaha, I notice an annual membership fee of {$19.00} posted on XX/XX/2019 ( see attached statement ) to my account. The membership fee was for the coming year. It was too late to call the bank ( headquarter in Nebraska ) to discuss this charge, so I made the call on XX/XX/2019, around XXXX XXXX Pacific time. 
Spoke to the customer service representative on XX/XX/2019, explained charge on my statement and her to cancel my charge card and refund the membership fee. She put me on hold to speak to a supervisor and came back to me and said that they can cancel the card but can not reverse my membership fee. Then I explained to her that the fees charged was for the future year and as I do not want to use the card I should not be charged a fee for a service that I do not want. She replied that there is nothing she can do. Next, I asked to speak with a supervisor and the customer representative said that the supervisor is going to say the same. I insisted that I talk to a supervisor and after being on hold for about 5 minutes I was connected to a supervisor named XXXX. I explained to her that I notice this fee posted to my account, on XX/XX/2019, while making my payment on XX/XX/2019. Also, I told her that it was within 30 days of the charge being posted on my account and I should have the option to cancel the charge card and not be charged an annual membership fee. She said that she could not reverse the fee. As I realized that I was not getting anywhere with her and she was oblivious to reasoning. I asked her to cancel my card as of XX/XX/2019, and decided to seek your agencys help. 
This kind of strong-arm tactics by financial institutes and/or by their staff should be curtailed. They know that they hold our credit future at ransom, thereby refusing to listen to reasoning and use common sense. Most financial institution are professional and do try to work with the consumer to address their grievances. It is in my opinion that I think that as a consumer I should have the right to dispute a charge within a reasonable time, in this case approximately 11 days, and not pay for a membership I do not want. Please look into this illegal charge and hopefully come up with a favorable outcome.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received a 1099-C notice on XX/XX/XXXX forwarded to me from the current resident of an address that I no longer live at regarding a debt of {$2000.00} for a credit card that I've never applied for or possessed. I believe that this is a result of identity theft. I filed a claim with their fraud department, under case # XXXX. Multiple attempts were made to follow up on the claim in XXXX & XXXX with no response. 

Today XX/XX/XXXX, I've received a response stating that payments were made and statements were mailed to me. Bank of America could not have mailed anything to me. As this is the first time I'm ever receiving anything from them regarding a debt, and they even sent the initial correspondence to an address that I haven't lived at since XXXX of XX/XX/XXXX.. 

I have never made a payment on this card that they say that I have. They've also refused to provide me other information regarding the account, that would assist me in further disputing this fraudulent account. Attached is all of the correspondence that I've ever received from Bank of America.
Consumer complaint received 2017-12-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo Mortgage has documents that are forged or Robo Siging as well as signatures placed over my signature on other documents. 

Documents have been sent out to document companies to verify the the singing as well as to other issues to documents There are several issues at hand. Wells Fargo Mortgage does not want to comply for what is said or the direct issues at hand to this issue as to other issues that they want to act as if there is nothing to the issue but there is fraud and I have had documents look at as well as signatures. 

I 'm filing an Identity theft on the Notary For Wells Fargo Mortgage as to why she sign my name and as to why she lied and said on the document I personally appeared before her in which I did not nor sign any document. 

I have filed a police report on the Notary/Agent Identity Theft and will have her prosecuted in the courts for Identity theft. 

I have given Wells Fargo Mortgage enough time with playing there games in which I had some file on the Notary/Agent acting on Wells Fargo Mortgage. 

Some one will talk once there arrested as a notary/agent for Identity theft. 

All Wells Fargo wants to do is play games and act as if they have done nothing or not acting in fraud.
Consumer complaint received 2019-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United Group Inc. (OR)

I have a auto loan through united finance in XXXX, OR that I was the the CoSigner for my uncle. After six payments it was supposed to transfer in his name and they would not. Shortly after the engine ceased and it had to be sold, and he could not make the payments. At the time I was going through financial hardship and could not make the payments. I was also young and did not know much about credit.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I noticed several unauthorized inquiries on my credit report that I would like removed and according to the FCRA these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I have verbally canceled an reservation made over the phone. the merchant XXXX XXXX group which is also sponsors the XXXX Chase credit card says I didn't. They also didn't send any reminder that I have reservation I normally receive until the day after my reservation. 

Chase Credit Card not resolving my dispute after multiple attempt to explain the situation and try to resolve with the merchant, which is also sponsor of the card. It has been 4 month since initial dispute. Charges are still on my account. 


Case Number Date Opened Transaction Date Description Dispute Amount Action XXXX XX/XX/2018 XX/XX/2018 IC XXXX XXXX XXXX {$410.00} Cancel dispute
Consumer complaint received 2019-02-08
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. (GA)

I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. 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 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this own my own behalf and have contacted my police and the FTC.
Consumer complaint received 2019-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a capital one card paid it off they shut down my account after 4 mouth of paying everything in full when they closed my account they told me that they closed it for not using the card correct and that they had to send me a check for XXXX dollars I over paid then come two months later and the check never came I called them they told me my account was paid in full and just wait for your check but instead of getting a check I got a bill with fake statement that read I owed them 700 plus dollars and when I compared the two it was not the same all my payments were returned .how can that be after 6mounths there's no way an ACH payment can be returned after that long of time I would have had that on the time they closed my account.
Consumer complaint received 2019-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently checked my credit report for the first time in a while and i notice items on my credit report that i didn't agree to. I would like these items removed immediately. They are not mine. 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 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX. I am doing this own my own behalf and have contacted my police and the FTC.
Consumer complaint received 2019-04-02
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. (OK)

This is to notify the Bureau of a letter I, XXXX XXXX, received from XXXX XXXX XXXX dated XXXX. XXXX, 2019 advising that a request for an increase in credit limit based on credit reporting info. from Trans Union had been denied. My problem is two fold : 1. I, XXXX XXXX did not ask for an increase in credit limit. I have since contacted XXXX XXXX XXXX who advised me that someone had fraudulently made that request online. Every time someone makes an inquiry about an individual credit, it lowers their score. Problem 2.  Trans Union and other credit reporting agencies are assigning credit scores based on fraudulent information. They and other agencies need to make sure the information they're basing an individual credit score is based on information that came directly from the customer and not someone who is evidently trying to commit credit card fraud. My credit score has plummeted from XXXX to XXXX in the last few months and it has to be because of activities by people other than myself. Why would my score go down so dramatically in just a few months when I have all the same accounts, they're all current, paid ahead of the due date, and I usually pay more than just the minimum payment that is required. I guess my biggest question is why is Trans Union and others allowed to report adverse information on people based on fraudulent information???
Consumer complaint received 2019-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WA)

I'm being charged an " adjustment '' on my student loans after I paid them off XX/XX/XXXX ( paying off a balance of {$4700.00} ) After receiving SEVERAL confirmation emails congratulating me on paying my student loans and over 3 years ( XX/XX/XXXX ), I suddenly received a notification from Navient telling me I had two balances on my account. I called them immediately to ask about this and they said they would investigate. No one got back to me. 

I followed up today since I had this flagged in my email and Navient keeps emailing to pay this new balance. A Navient customer service rep told me to check this special inbox I never had seen before in my account that has this letter : " XXXXX, the response to your recent student loan account request can be seen below. 
Your loans were previously paid in full. However, due to adjustments made to the account on XX/XX/XXXX, requested by the Department of Education ( XXXX XXXX XXXX XXXX ), a balance was placed back on the loans. You will need to contact them regarding this adjustment. 

You can reach them at XXXX. We apologize for the confusion. 
Were here to help Were happy to help you navigate your options, provide you with resources, and answer any questions you have as you repay your loans. If you have any questions about your account, visit us online or give us a call. '' The rep told me this is a U.S. Department of Education issue and that I need to call them. 
-- -- -- - I call the 1-800 number to the U.S. Department of Education and speak with XXXX ( ID XXXX ) and she discovers that I'm not even in their system. They can't even find me with my social security number. She suggests then I be connected to the Loan Default department to see if my loans went into default. I waited another 30 minutes on hold and was connected to XXXX ( ID # XXXX ) who also says I can't be found in their system and that my loan is serviced through Navient. And that I need to contact them. She also suggested I send physical proof of all correspondence about my paid off loans to this address : " US Department of Education XXXX XXXX XXXX XXXX Texas XXXX '' She said it would probably take 8 weeks to hear anything back. I'm really frustrated and dismayed with both Navient and the U.S. Department of Education on how my loans were handled. 

I also just tried calling Navient again and they won't connect me to customer service after being put on hold at least 3 times and waiting about 2 hours while I'm watching my small children at home. 

As you might tell, I'm pretty upset and disturbed by all this. It feels like no one is taking the blame for the matter and Navient is trying to charge me after 3+ years. It really makes me concerned that they are doing this with other individuals who have loans serviced by them. 

Does it seem fishy that I am now being charged {$230.00} after paying off my loans in XXXX?
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX a payment for XXXX was sent to Capital One Credit card in error, should have been the balance of XXXX. While I understand they need to pend for clearing for 7 days on XX/XX/XXXX, I requested a Refund be sent however since Ive called 3 times and emailed the CEO and have had NO success I was told I needed to wait another 15 days which is wrong why do I need to wait a month to get money refunded for overpayment? In the meantime my normal auto drafts hitting this card is pulling my money from the MISTAKEN overpayment when Id otherwise have time to repay.