davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Please see attached check sent to Navient XXXX of 2019 from my title company, XXXX  XXXX XXXX  XXXX. This check still has not been applied to my account. It was cashed by Navient, Department of Education on XX/XX/2019. My name is XXXX XXXX, account number XXXX. I have called numerous times to get an answer from Navient - Dept of Education. They have refused to send the funds back to my title company, myself, and refuse to apply the payment to my Navient account.
Consumer complaint received 2020-02-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

I've contacted Equifax regarding inquires that are being reported that were not authorized. They said they can not remove them because they are a " FACT ''. The only way that I could have the inquires removed is by contacting the company that placed the inquiries on my report and getting them to send an electronic release. The contact information for the 4 companies was not listed on my credit report so I had to obtain it from the agent, XXXX ( reference number XXXX ) before ending the call. I called each company who advised that they do not have my information on file so they're unable to submit the electronic release form that Equifax is requesting. I then called Equifax back and spoke with XXXX ( ID : XXXX ) was advised that there is nothing they can do without it, she transferred me to XXXX ( XXXX ) who transferred me to XXXX who disconnected me when I requested to speak to a supervisor. 

This is my 3rd time submitting the survey because the customer service agent advised the other two are permanently stuck in Draft status.
Consumer complaint received 2020-02-06
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: ERC (NY)

while checking my credit report I noticed a few things that's on my credit that doesn't belong to me I would like for these fraudulent accounts removed the accounts are 1.enhanced recovery company in the amount of {$230.00} that was opened on XX/XX/XXXX 2.XXXX  XXXX  XXXX  in the amount of {$6000.00} that was opened on XX/XX/XXXX
Consumer complaint received 2023-01-26
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. (IL)

my rights were violated, Experian still is reporting a bankruptcy and a late when the company updated saying that information is not true. the XXXX account is reporting closed but its open. XXXX and XXXX are reporting its closed as well. XXXX has a fraud alert in which i asked several times to remove, XXXX are reporting fraud inquires
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (IL)

everything started when government announce that companies can give a 3 months forbearance in the mortgage because of the COVID 19 Pandemic, I called my mortgage company and they told me to apply online. I did apply online and I got a response that my file will be in process, after that I did not hear from them, no emails, no letters in the mail. they said that they called me, but with all the calls were were receiving from collection agencies. i did not put a lot attention to phone calls. after couple month of hearing anything almost at the 3rd month, I received an email from one if my credit card saying that my credit was poor. they i dig into that finding out that I was late in my mortgage. I call the loan servicing ( LOAN CARE ) and they were not only rude about, but they stated that they call me and sent me letters which I did not received, and they told me that i can apply for a forbearance plan, which I did and now they dont want to take any payments until they get an answer from the investor. after that they transfer me to customer service and they told me that they didnt not send me letter to communicate because i have an electronic communication, but also they never sent me an email on this matter. my job is been affected and stops completely for almost 4 months. but i am willing to start making payments. thank you
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (TN)

Someone has stolen my identity and my bank account information. They have used this stolen information to open an account at MoneyLion ( XXXX XXXX XXXX ) and take a loan out in my name. I have called XXXX three times reporting the fraud that has occured, get them to halt the {$500.00} bi-weekly withdrawals from my XXXX account, and to get basic information about what the fraudster has done there ( how much of a loan did they take out, what addresses are they using, stop taking money out of my account, etc. ) to no avail. The MoneyLion agent on the first call ( XX/XX/2019 ) said they would send my information to their fraud department and I should hear back within 48 hours. Didn't hear anything. XXXX XXXX another {$500.00} was drafted from my account by Moneylion. I called back. I explained again what was going on to the agent. They put me on hold, then disconnected my call. I called again. Same thing. I explained the whole thing again, magically my call was disconnected. The third call I spoke with another agent. I asked to speak with management. This agent, said that there is no management to speak with. He said that he saw in my notes that I placed a call on XX/XX/XXXX about the fraud. He then said that the XXXX department put my request on hold because I had not filled out the fraud affidavit MoneyLion sent me yet. I then told the agent that I had not received an affidavit because they probably sent it to the fraudster since the person I spoke with on XX/XX/XXXX didn't ask for my address or email. The agent today ( XX/XX/XXXX ) then took my information down - home address and email- then he said he would fill out the form for me in order to escalate this so I could get some help. At this time I still have not received a phone call, email, anything from Moneylion and they have successfully taken {$1000.00} from my account. All this while they refuse to give me any details about what the fraudster has done with my information at Moneylion ( did they take a loan out, open a bank account, what??? ). Please help!
Consumer complaint received 2020-02-06
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. (FL)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank 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 2020-02-06
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. (CA)

I'VE CONTACTED EQUIFAX VARIOUS AMOUNT OF TIMES TO HAVE ITEMS REMOVED FOR INACCURACIES. THAT HAVE YET TO ADDRESS THE DIRECTLY AS THEY HAVE BEEN PUTTING THEM OFF. I HAVE SENT ALL OF THE ITEMS THEY REQUESTED BEFORE AND STILL WILLFULLY NEGLECT TO ADDRESS OR CORRECT THE WRONG INFORMATION THE CONTINUES TO STAY ON MY CREDIT REPORT. i AM ALSO A VICTIM OF IDENTITY THEFT AND ADDRESS THIS ISSUE WITH LAW ENFORCEMENT AND HAVE OBTAIN A POLICE REPORT WHICH I HAVE INCLUDED IN THE DOCUMENTS ALSO. I REQUEST THAT EQUIFAX PROVIDE ME PROOF THAT THEY ADDRESSED MY CONCERNS THOUGH UGLY AND REQUESTING A METHOD OF VERIFICATION OF ALL THE ITEMS ADDRESSED. I REQUEST ALL THE WRONG INFORMATION BE REMOVED AS I HAVE SUBMITTED TO THE CRA ALSO.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (MD)

This dispute is involving XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and Wells Fargo Bank, N.A ( Wells Fargo ). 

On XXXX XX/XX/2022, I was approved for a balance transfer totaling {$5000.00} from Wells Fargo. The {$5000.00} was supposed to be paid to my XXXX Credit Card balance. The total balance for my XXXX Credit Card was just over {$10000.00} when this balance transfer was approved. On XXXX XX/XX/2022, I received my Wells Fargo XXXX credit card in the mail with the outstanding balance of {$4900.00}. Fast forward to today 's date, XXXX XX/XX/2022, the balance for my XXXX XXXX has not reflected the payoff amount that was supposed to come from Wells Fargo and still holds the {$10000.00} balance. 

I contacted a representative from Wells Fargo customer service team and was told that the funds were electronically deposited into a XXXX XXXX XXXX account for {$5000.00} on XXXX XX/XX/2022. I do not have an auto loan with XXXX so I called XXXX XXXX  customer service and was told that there is no Auto Loan account with my information and that they have not received any funds from Wells Fargo. I then contacted Wells Fargo again and spoke to another rep. After explaining my situation again, this time I was told that this issue will be looked into and I will hear back from a service agent within 90 days. When asked for a dispute number that I can reference, I was told that there was not one and that there will be a note in my file. How do I truly know that my situation is being worked on if there is no way to reference my issue? 

XXXX XXXX  is denying to have the funds, while Wells Fargo is adamant that the funds were successfully deposited. In the meantime, I am responsible for making payments for an extra {$5000.00} that I never received, in addition to taking the hit on my credit score due to an extra {$5000.00} balance that popped up.
Consumer complaint received 2022-08-18
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened XXXX XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 2012
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 XXXX States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.
Consumer complaint received 2019-05-26
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. (IL)

I been disputing the issue with only Equifax about a car loan I never own on my credit report for the last year. I ask for proof of signature from equifax and other information how are you verify the account is mine when I never own this car and why are you the only credit bureau showing this account. I have a XXXX XXXX and Im trying to buy a house but no will approve my loan due equifax wont do they home work and verify the situation. I need help.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I am writing to dispute the validity of the collection account associated with Transworld Systems on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. Upon reviewing the details of the account, I have identified discrepancies in the information provided. First, I verified in XXXX 2023with XXXX XXXX that I did not owe money and that all current and past accounts were in good standing. Then, I requested information about this collections account from Transworld Systems which I never received. Additionally, I have never received a bill for this money owed nor have I been notified of this debt from either XXXX XXXX or Transworld Systems. 

I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ California ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX XXXX. XXXX is truly a mom & pop business.Our accountant going through our yearly tax & finances noted a large check was withdrawn from our business checking account on XX/XX/2022. A image of the check was from a company name of XXXX XXXX XXXX with the address from Washington DC. The check was made out to XXXX XXXX in the amount of {$15000.00} & drawn from XXXX XXXX XXXX brought it to the attention of our bank JP Morgan Chase to the fact of a unauthorized signature, check sequence, incorrect routing number. I was told to order a new account & the funds will be re-credited. A week later i recived notice the claim was denied. I relied on the bank to be professionals in the finance business & obviously have a grooss negligent mistake & should be totally responsible. A police report # XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (SC)

Hello, I was contacted by SCA Collections ( letter dated XX/XX/XXXX ) on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX  had never sent me notice of this debt they sent it directly to SCA Collections. SCA Collections contacted me about the debt in which I responded to them within 30 days ( XX/XX/XXXX certified letter ) telling them to cease and desist contact with me because I preferred to deal with the original debtor. The reason why I told them this is because I never received anything from the company that they were referencing prior to receiving notice from them. SCA 's representative signed for the certified letter XX/XX/XXXX. They made no further contact with me but XX/XX/XXXX they added this information to all the Credit Bureaus against me. I requested for this information to be removed from all agencies due to Federal Consumer Laws and they haven't done so. All of my supporting documents to include the signed certified notice have been uploaded.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

To whom this may concern, This notice is in response to Experian furnishing my personal information from XXXX XXXX XXXX  on my credit report without my permission on XX/XX/2022. I never gave Experian written instruction to furnish any of my personal information on my credit report, in violation of 15 USC 1681b ( 2 ) consumer reporting agencies can only furnish a consumer report in accordance with written instruction. Experian responded to my complaint by saying they investigated this dispute by verifying the information from, XXXX XXXX XXXX. This investigation is to be done through personal interviews with my neighbors, friends, or associates and NOT specific factual evidence on my consumer record obtained directly from a creditor, XXXX XXXX XXXX violation of 15 USC 1681a ( e ) definition of an investigative consumer report. 
Pursuant to 15 USC 1681 congress found that credit reporting agencies assumed this vital role and must exercise their grave responsibility with fairness, impartiality, and respect for my privacy. In addition, Experian is reporting transactions or experiences between myself, XXXX XXXX, and the company, XXXX XXXX XXXX violation of 15 USC 1681a ( d ) ( 2 ) ( i ) a consumer report exclusions. Pursuant to Experians policy, Experian also obtains my personal information from other Experian companies ( affiliates ), in violation of 15 USC 1681a ( d ) ( 2 ) ( ii ) consumer report exclusions. I demand that Experian remove the information reporting in regards to XXXX XXXX XXXX immediately and cease and desist all communications through all mediums with any third party company in regards to my credit report immediately.
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

XXXX XXXX is reporting a account on all three of my credit reports that do not belong to me. I reached out to the company about this issue on XX/XX/XXXX to get the issue resolved but no one would help me. They are reporting this account as of XX/XX/XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2019, I received a call from someone at the number ( XXXX ) XXXX asking for XXXX XXXX, which is a short version of my full name. When I said I was XXXX XXXX I was transferred to someone identifying himself as XXXX XXXX from Midland XXXX in XXXX XXXX, CA. When I asked the purpose of the he said he it was regarding a debt I owed in the amount of {$46000.00} for a credit card. 

I have never had unpaid debt and have a perfect credit history. When I asked how they had linked me to that debt they were seeking to collect XXXX wouldn't answer. I asked if they had simply called me based on my name matching the name of someone they couldn't find otherwise. I specifically asked if Midland had simply matched my name and found my phone number, which was clearly the case in this instance. He responded the contact information came from another department. I asked him to conference in someone from the " other department '' to obtain that information which he refused to do. 

I explained to him that it was illegal for his company to simply randomly call individuals on the " do not call list '' on the basis of a matching name with no other corroborating information. I told XXXX I would report him and his firm to the CFPB unless he explained how Midland obtained my phone number. He then hung up. 

I'd be interested in initiating a class action lawsuit against Midland if others have had a similar experience.