davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-09
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: BARCLAYS BANK DELAWARE (MD)

These two items Barclays and XXXX XXXX is on my credit report but I have never opened up an account with Them I tried explaining that to them on several occasions but yet and still they have not produced any evidence that this is my account. Beside yelling at me over the phone by their associates. I would like this removed off my credit reports as this is not my accounts. 

Thanks. 

Ms. XXXX XXXX
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION (TX)

The account was opened on XX/XX/2012. The debt collector states that i owe {$150.00}. I do not owe this debt. This has caused a negative mark on my report.I tried to contact the company numerous times to show me proof but no replies. Please remove this account immediately.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY (AZ)

XXXX XXXX, 2023 : owned accounts between XXXX XXXX XXXX and American Express National Bank savings were linked for electronic transfers per XXXX XXXX XXXX XXXX XX/XX/2023 : {$1000.00} transferred to AMX from XXXX XXXX. Transaction credit never acknowledged by AMX. Trace ID provided by XXXX. XX/XX/2023 : Spoke with AMX on-line help to see why the deposit was not reflected in my savings acct. Spoke with XXXX XXXX on-line transfer help line to see why deposit to AMX was not made. Initial claim generated with XXXX XXXX XXXX XXXX. Claim # XXXX. XX/XX/2023 : XXXX XXXX closed claim per " miss-applied funds '' by AMX. XXXX went into my AMX savings account and transferred {$1000.00} back to XXXX account to close the claim. The original {$1000.00} transfer was never shown as a credit to my AMX. XX/XX/2023 : FDIC Case # XXXX filed on-line via the FDIC web site. XX/XX/2023 : Wrote a claim letter to AMX at their XXXX XXXX XXXX Claims office for the missing {$1000.00} electronic transfer deposit from XXXX XXXX. XX/XX/2023 : FDIC Case # XXXX was referred to : The Office of the Comptroller of the Currency - complaint completed on-line Case XXXX XXXX. XX/XX/2023 : received a dated letter from the OCC Consumer Assistance Group referring my case to : Consumer Financial Protection Bureau. XX/XX/2023 : completed a complaint on-line with Consumer Financial Bureau . 
Called CFPB, asking if I needed a second complaint for American Express National Bank, they were the receiving party to the attempted ACH transfer from XXXX XXXX. To date, I have received no updates to the American Express Dispute letter I sent them.
Consumer complaint received 2022-07-09
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Reference # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX  Account # XXXX XXXX Account # XXXX XXXXXXXX Account # XXXX XXXX XXXX bankruptcy Reference # 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 2019-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Complaint # XXXX-XXXX This complaint was submitted and Wells Fargo responded after requesting additional time. The response was the same as usual ; " we reviewed, the applicant does not meet our program guidelines '' without ever describing the specific program guidelines, income required or any thing else that would give me the opportunity to say, here, I can do that. 

In XX/XX/XXXX there was yet another report ( XXXX ) about a Wells-Fargo foreclosure nightmare. A couple went to Wells for assistance since Wells " wants to help you stay in your home '' and in their words " begged for help '' because the primary breadwinner had been laid off from his XXXX job. Wells did not accept their requests - ( plural ) for a mortgage modification. Years later, ( last fall ) they found out that they were the VICTIMS of an " apparent software glitch '' that caused them to lose their home. After all of the heartache they were paid {$15000.00} by Wells, without any explanation as to how the bank came up with that number, to " make things right ''. How could things possibly be made right? I am trying to avoid that same fate. 
Wells has NOT explained their " proprietary step program '', the calculations they used or what would be needed from me for me to qualify for a modification. They instead, have decided that they can make more money on my home, that I have lived in for 27 years because of something called Net Present Value. What does it matter to them if I want to pay until I die? How is Net Present Value a demonstration that they want to " help me stay in my home ''? 
I called the CFPB. I was told that the bank has to fully explain not just " that '' I don't qualify but provide, in detail, an explanation, that I can understand and calculate myself. Wouldn't that be the way to " assist '' me? Truly help me to " save '' my home? 
I am demanding full disclosure by Wells-Fargo. I am demanding full explanation and presentation of the actual calculations Wells used to make the determinations on my numerous requests for modification. My current income qualifies me for a pretty substantial mortgage. It defies logic that I would NOT qualify for a modification. 
Once foreclosure has occurred it's TOO late for Wells-Fargo to " make things right ''. Once a family is uprooted, life is completely disrupted, it's too late. This has been such a LOOONG process. I believe that Wells has engaged in deliberate tactics from back in the beginning ( XX/XX/XXXX ) when I first started this, to delay and harass and run up the arrears and fees just to make it impossible for me and others like me to recover.
Consumer complaint received 2018-08-29
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: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2018, I disputed an account with TD Bank NA that is on all of my credit reports. Thirty-three ( 33 ) days later, TD Bank authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

TD Bank dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. TD Bank also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that TD Bank NA has violated the FCRA and FCRB and did not provide me within the thirty- ( 30 ) day time frame as required.
Consumer complaint received 2018-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I first had my loan serviced through XXXX XXXX, and when I found out about XXXX, I was employed through the XXXX Department XXXX XXXX XXXX. I was hired on XX/XX/2016, and made about a year of qualifying payments since the hire date. I then applied for XXXX, and was advised my loan servicer will be changed to XXXX, but was advised that the qualifying payments I had made being employed by XXXX to the XXXX XXXX-serviced loans would qualify towards my total. 

However, the story has changed. Now I'm being told the year+ I had made qualifying XXXX payments would not count towards the total, and for some reason my qualifying payment total keeps being reset to XXXX. I have made about XXXX payments thus far while being under XXXX, yet my number of payments is still XXXX. It seems like I have not made any progress towards XXXX at all, even after making payments while being employed under XXXX for more than XXXX years now.
Consumer complaint received 2021-12-06
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (SC)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-07-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, sent a letter on XX/XX/2022 regarding inaccurate on my credit report to this day over 60 days later. I have not received any feedback from you. I feel like I am being taken advantage of and being ignored regarding my disputes. Under Section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days already and so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2018-08-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC (PA)

I sent this Debt Buyer a dispute letter via certified mail. They signed for it and have not responded or provided proof of the alleged debt they claim i owe. I also did some research on XXXX XXXX XXXX XXXX and it turns out that they are NOT licensed in the State of Pennsylvania to collect on Auto Deficiencies. They do have a license as a debt collector but not the state specific license to collect on Auto Deficiencies. They have violated the FDCPA by collecting on a debt they are Not licensed to. They also have not provided any proof of this alleged debt which is false and misleading. I have already consulted with a consumer protection attorney.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

It shows that this account was opened on XX/XX/2017. 
Collection company states that i owe {$1100.00} to them which i do not owe them nothing. 
I tried to contact them numerous times but they have not responded. This is not my dept. 
I asked to show me proof but i have not received a reply. Please remove this account immediately.
Consumer complaint received 2021-12-06
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (SC)

XX/XX/2019 I received a call from Navient at XXXX speaking with XXXX . I advised of already making payment arrangement to which she seemed confused by. I received another phone call at XXXX to which I shouldnt as I have already put in to have the owed amount drafted out. The company has repeatedly called numbers not listed as a form of contact. This is very disturbing and unprofessional.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

Ive sent letters to all three reporting agencies as well as the original collectors, the time of which these items are to be reported has expired over 8 years. Legally under the fair credit reporting act 7 years is the deadline in which these companies can report on the credit after the account has been closed. It has been almost 10 years now and they after many letters are still reporting and not taking into the account the laws in place.
Consumer complaint received 2019-01-09
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

B of A is stonewalling on sending release of lien on my property following final payoff. I want details on who they contacted and to have someone assigned to expedite return of bank lien release document. I may go to the media if necessary. Thirty day period has elapsed.
Consumer complaint received 2018-08-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Moneydart Global Services Inc. (MI)

I transferred {$2800.00} through XXXX on XX/XX/XXXX and the dollar exchange rate against XXXX was {$1.00} = Rs XXXX. As per them money suppose to available in XXXX on XX/XX/XXXX but amount available in my XXXX bank account in XX/XX/XXXX with the exchange rate {$69.00}. 
When i complain then they told you selected indicative rate while transfer instead of Guaranteed rate ( fixed exchange rate ) but as i transferred several times through the same XXXX and i know very well how to transfer through XXXX. 
Clearly they are cheating to customer.
Consumer complaint received 2022-07-25
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. (FL)

Reflecting my other ongoing complaint about feeling personally targeted by Experian. I really feel some reps purposely target some people to worsen their credit while getting a kick out of it. So recently I paid off my personal unsecured loan with XXXX XXXX XXXX account ( XXXX  ), I uploaded the paid in full letter on Experian and on XX/XX/XXXX I called the dispute department to request a dispute on the account to reflect a XXXX balance. The rep I spoke to was very helpful, she disputed the account and submitted the request for further internal review. Results came back within hours, the balance was updated to XXXX and paid in full, but when I look at the account ledger I noticed THEY REMOVE ALL THE MONTHLY PAYMENT HISTORY FOR THE ACCOUNT!!! WHY??? And of course this immediately resulted to another SCORE DROP. Let me also point this is not the first time I've experience this with Experian. It happened before on an auto loan I had where they completely removed the original balance of the loan after the dispute. What is this foolery? Why were the payment history removed from my account after the internal dispute.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One continues to use my email address to send information and account updates for their customer XXXX XXXX XXXX despite my not being XXXX XXXX XXXX. I think its a simple matter of their customer having mistakenly entered my email address. Ive been receiving these emails for more than a year and Ive made three calls to Capital One informing them that I should not be receiving these emails.
Consumer complaint received 2018-08-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NJ)

Debt was removed from Credit Report on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.XXXX XXXX XXXX keeps reaging debt and refuses to send validation as requested in writing. They are in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). They are required to notify me of the reinsertion in writing within 5 business days since debt has been deleted from my consumer file on several dates.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

My credit showed a delinquent amount with XXXX XXXX XXXX. I contacted them and they forwarded my call to XXXX XXXX. XXXX XXXX offered a settlement amount of XXXX from the total of XXXX to be settled in full with a XXXX  balance. This amount of XXXX was paid as agreed and documentation of receipt was provided. Conns and XXXX XXXX have no held their agreement in showing this account as settled in full with XXXX balance on my credit reports with XXXX, XXXX and XXXX. Instead, they have deducted the settled amount from the total and are now showing on my credit report a derogatory report with XXXX dollars due. 
Paid on XX/XX/XXXX File number XXXX Repeated contact with both companies have been a dead end as representatives from both state that the other company has to be the one to make the correction. 
I am currently under contract to purchase a home with an estimated close date of XX/XX/XXXX and this is negatively affecting my loan application.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Today, XX/XX/2018, I have been on this phone for 2 hours with Equifax. I have verified myself over and over and over. Equifax has placed a number of freezes that I did not request. This happened within the past 30 days because I was approved for a car loan with no problems. Now XXXX XXXX can not get into my account because of all of these different freezes that I did not authorize. Just three weeks ago, I got a car loan and no problems via Equifax report. Something happened and Equifax has tampered with my file without my permission.
Consumer complaint received 2022-07-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX XXXX, sent a letter on XX/XX/2022 regarding inaccurate on my credit report to this day over 60 days later. I have not received any feedback from you. I feel like I am being taken advantage of and being ignored regarding my disputes. Under Section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days already and so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2022-07-09
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. (MO)

I did not authorize or applied for credit with this company. So a hard inquiry is on my credit report. Disputed with Transunion with no results or removal. Also contacted XXXX XXXXXXXX XXXX, and they claimed they didn't have any knowledge and would not fix it. I am requesting removal of this company from my credit report for fraudulent activities. 

Thank You very much for your help with this matter. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX