davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

A couple of years ago I got notified that new accounts were open on my credit report. After viewing these accounts, I find out multiple student loan accounts were opened in my name without my permission. I have been fighting with the company about this. They have submitted multiple and multiple cases but no one ever responds or gives me an update. I have went to the credit bureaus to try to get these accounts removed and they have filed dispute after dispute. One of the bureaus removed all the accounts but Im having so many issues with the other two removing these fraud accounts from my reports.

Whats crazy is I have access to the creditors online account to view all my fraud loans, and of course Im having to make payments to keep these fraud accounts from not hurting my credit more then they already have.

This has been a complete battle. Dealing with the bureaus have not been easy or dealing with the company. Im hoping by reaching out to you guys maybe just maybe after years and years you guys maybe can help fix and resolve this. 

Ive asked the company multiple times to provide proof of this loan, provide proof that I signed for these loans. They havent and wont because there isnt any proof because I never signed for any of these loans. Its fraud. Its not okay, and its hurting my credit and keeping me from purchasing a home because they are counting this debt against me.
Consumer complaint received 2022-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (WA)

Requested the accounting information for the account Franklin Collection Service alleged I owed. Also requested the contract or agreement to validate the alleged debt. None of this information was provided. The company has not responded to my mail correspondence and sent out a Notice of Presentment of an Affidavit of Fact. Company has failed to respond or rebut the Affidavit.
Consumer complaint received 2023-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AZ)

On Nelnet, my federal student loan payments were due XX/XX/23 My approximate amount due was {$2200.00} On XX/XX/23 I requested to change my payment plan type to extended repayment, which would change my payment to around {$1200.00} per month. 
Today ( XX/XX/23 ), my account was changed to reflect my monthly owed as XXXX, along with my due date moving to XX/XX/23. 
I was given no warning of my payment change, due date change, or ability to pay my current amount owed today. 
I would like my account to accurately reflect the appropriate due date, and amount owed following my payment plan change.
Consumer complaint received 2019-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I went to on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX to purchase a new car. I was Preapproved by XXXX XXXX. I told my sale representative that I would only want the dealership to pull credit and only send my application only to XXXX XXXX. I stated that I do not want any other credit to inquire on my credit report. I explained this to Sale rep XXXX XXXX my concerns several times ( 4 times to be exacted ).  XXXX ensured me that he would let the finance manager know my request. I took it a step further and also write on my credit application to only work with XXXX XXXX.
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (UT)

Comenity bank has called me daily 4 or 5 times a day. They have resorted to calling my daughters, son, boyfriend and his mom to get my info. They reported in XXXX that they did a charge off and yet still called me. The last I heard from them was the end of XXXX. Before that it was from XXXX am until XXXX pm. It was usually unknown number.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ACCOUNT THAT WAS PLACED ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT BELONG TO ME.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (OH)

I havent received a bill for this. My address is current and has been. Not sure how I know I owe on something when it pops up on my credit years later. And youre saying ive been late since 2015?
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have been trying to contact this company every since the inquiry reported on my credit report to no avail have i been able to contact company though number or address showing on my credit report
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

I opened my Discover credit card in XXXX of 2016 as a Secured Credit Card. Upon opening my card, Discover withdrew {$300.00} from me to hold as a secured payment and guaranteed me that my account would be re-evaluated after six months for me to receive my initial payment back. It has now been 3 years and 2 months and I have tried tirelessly to contact Discover and they will not give me my deposit back. They stated I would need to cancel the credit card to get the deposit back, but that would affect my credit report as it is the oldest card I have. This seems deceiving and I feel like Discover is using a deposit against me.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX, I initiated a " bill pay '' transfer from Bank of America checking account to another financial institution. I requested that the funds reach the second institution by a certain date but it wasn't received by the second financial institution. Yet, the funds were taken out of my account. On XX/XX/XXXX, I called Bank of America to inquire, and their customer representative suggested I stop payment on the " bill pay '' transfer, which I did. Bank of America has NOT returned the funds to my account. The second institution does not have the funds, and the funds have not been returned to my Bank of America account. 

I called Bank of America again ( two days later ) to ask why the funds have not been returned to my account. The person I spoke with said that their customer representative did not process it correctly. 

It's been 24 hours since my second conversation with the bank about this issue and more than a week since they removed funds from my account for a " bill pay '' that was not delivered. I currently do not have possession or access to those funds because they have not been returned to my checking account, and I decided to file this complaint. 

I received two identical email messages ( one attached ) from the bank - two days apart - regarding the incomplete " bill transfer '' and the stop payment. [ Online Bill Pay Message : Case ID XXXX ]
Consumer complaint received 2024-05-22
Product: Credit reporting 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: CBC Companies, Inc. (IL)

Innovis is alleging I was late on the account listed as XXXX XXXX. I want to the evidence used to come to this conclusion because Innovis should not have access to my personal financial data if they are not affiliated with the company. Furthermore Innovis is a data furnisher that sells private information of consumers but you did not receive my written consent.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
INQUIRIES TOO : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (IL)

I am approved for a home equity loan in the amount of {$15000.00} with US Bank. We have the closing on the XXXX and received the closing disclosure this morning ( XX/XX/2019 ) - where I noticed that it states the " disbursement date '' is XX/XX/2019. I inquired about that and US Bank stated that is due to the TILA right to rescind. I promptly stated that I wish to waive my right to rescind because the funds are needed for an emergency to pay for a roof replacement on the home. US Bank responded back stating that they can not waive the right to rescind, it's bank policy. Which I then provided the link to the CFPB 's website stating that as a consumer, I have the right to waive the opportunity to rescind and ask that funds be made available immediately. They again refused. Therefore, I'm submitting a complaint that US Bank is not allowing customers to waive the right to rescind for a home equity loan in an emergency situation.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

My information was stolen a few years ago, and I've had to file police reports, FTC reports, stop payment on loans and everything to block this information from being reported on my credit files but the credit reporting agencies keeps reporting them.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

XX/XX/2019, I XXXX XXXX was affected by the Government shutdown, I was laid off for a couple of weeks and at that time OCWEN MORTGAGE SERVICE, Was my mortgages company. They Requested that I fill out the application, for a loan modification. XX/XX/2019 in the same month, I apply for the loan modification my loan was transferred to PHH Mortgages service. Which is owned by OCWEN. PHH Mortgages service is debt collector company.I was told by OCWEN,,, NOT ... To make a payment, Until, they tell me. In XX/XX/2019. I was informed my loan modification was ... DENIED ... By PHH Mortgages Service. Once I was denied my loan modification, PHH Mortgages, They wanted all 7 payments at one time, For I can be CURRENT. On my mortgage.I explain to  my Account Relationship manager : XXXX XXXX. I didn't have the money .I send in 1 payment .after that, That's, when Threatening started .About Foreclosure started.

With the help of, FAMILY & FRIENDS we RAISE $ XXXX.Now I'M CURRENT.
Consumer complaint received 2019-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc. (TN)

In XXXX of XXXX, I purchased a home water purification system from XXXX XXXX. The XXXX of the system was done through AquaFinance. 
On XX/XX/XXXX of XXXX, they called wanting payment. I explained to them i did not have the money due to financial hardship. I called XXXX XXXX right after I got off the phone with AquaFinance to see about having the system removed and was informed that i was stuck with it and, even if i had it removed, I was still responsible for the entire debt. In the months following, they have continued to call me as many as 3 times a day at all hours of the day ( many times in the late evening ), from numbers all over the country. I have explained to them that my wife is no longer working and they proceeded to call my mother and sister when i stopped answering their calls.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (FL)

XXXX sold my mortgage account to M & T Bank. I decided to open a checking account online with M & T Bank. I entered my information ( including my SSN ) and other information. My Mortage account and checking accounts are linked. That same day of opening the checking account, I was allowed by M & T Bank to fund my account with {$250.00} via a credit card ( not sure if that is legal? ). 

I've held the accounts for 3-4 months. I recently inquired about closing my account and withdrawing my funds. The bank replied that it would cost {$50.00} to close my account early plus additional fees for mailing a check. The bank then stated that my account was frozen ( so that I couldn't withdraw ) until I submit verification forms of Social Security Card, Utility Bill, Drivers license. I contacted their verification department, and made the point that I was able to open the account and deposit money, so I should be verified since I gave them my ssn and they have a mortgage account for me already. The verification department refuses to unfreeze my account until i " Provide my original social security card '' to them! I told them that I was uncomfortable with doing that and then they emailed me saying, " We need your original Social Security Card and a current bill. The hold will remain on the account until we receive the requested documents. ". Every time I talk with them the verification forms they are requiring changes and I'm not sure why. As provided above, I do not want to give them my original security card as they're demanding but they're refusing to unfreeze my account so that I can close it out which seems pretty shady. Please help with this, I also dont want to take on their huge fees in closing out early and will wait a few months to do so without a fee, but I cant do anything until the account is unfrozen.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I opened the Choice checking account ( Account # XXXX ) at HSBC bank onXX/XX/XXXX. There was an opening bonus of {$200.00}. I have met all the requirements to qualify for the bonus but the bank is not posting the bonus of {$200.00} to my account. I talked to them and they say that since I had an credit card account prior to opening the checking account I do not. qualify for the bonus. The two are entirely different products and the two are not related to each other. I printed the offer terms when I opened the account and I have created the following attachment 'HSBC Choice Checking bonus {$200.00} promotion -Old Offer '. It is a .jpg document and it shows that under the terms there is no mention of any credit card account being the reason for disqualifying the bonus. These were the terms at the time of opening the checking account. it does say that the offer is for opening a new checking account which it was since I never had any checking account with HSBC before. 

I have created another attachment 'which is the current offer 'HSBC Choice Checking bonus {$200.00} promotion -New Offer '. This document is a text document and ithe terms are very similar to the similar to the other document ( the Old Offer ) showing that there are currently offering the same promotion and again in the new offer there is no mention of the credit card account being the problem. 

The following attachments are the bank statements form XX/XX/XXXX through XX/XX/XXXX showing that I have maintained a minimum balance of {$1500.00} all this time. This was their main requirement for the qualification of the {$200.00} bonus HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement HSBC XX/XX/XXXX Statement All these documents show that I have met and satisfied all the requirements for the {$200.00} bonus offer according to the bank terms in the offer. The {$200.00} bonus should be posted to my account as soon as possible. If the bank still claims that I do not qualify then their offer was very misleading. 

Please let me know if any additional documents are needed in support of my compliant.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (FL)

Per the Florida Statue 559.553, debt collectors are to register with the Florida XXXX XXXX XXXX XXXX as a Consumer Collection Agency before engaging in collection activity. The company CKS Prime Investments , LLC has not registered in the state of Florida and has been putting negative markings on my credit since XX/XX/2022. They have that listed as the open date, when there has never been a contract signed with this company. The attempt to rectify this wrong has gone unresolved, resulting in the plummet of my credit score.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on myaccount This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item name and account number I am asking you to verify as accurate XXXX XXXX XXXXXXXX
Consumer complaint received 2019-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (RI)

I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and two of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of one of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 
I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.
Consumer complaint received 2015-08-16
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (WA)

I have a Chase credit card. Upon receiving my bill for XXXX 2015 amounting to {$2700.00}, I paid the next day {$2700.00}, intentionally leaving a unpaid balance of {$83.00} I used my internet XXXX banking account. The XX/XX/XXXX bill showed an interest charge of {$14.00} on an unpaid balance of {$1000.00}! I called Chase to question where they came up with this amount. She said it was based on your average for the month and could not explain it any better to me. I feel if I paid all but {$83.00} I should be charged interest for JUST this amount for the XXXX days it was carried over till next month. I think this is a scam used by credit card companies. If Chase has XXXX XXXX card holders and they do this to everyone that has an unpaid carried over amount, they make a lot of extra money each month and is vary unfair to card holders. I bet few people realized this is going on and do n't question the excessive interest on their bills each month. I read the recent article in XXXX magazine and felt it worthy of sending this note to you. Thank you for protecting us. XXXX XXXX
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately.Therefore you are to present to me with a certificate in testimony that the alleged accounts listed in Facts 9,10, are in fact compliant and not subterfuge ( Copied from the Affidavit )
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/2019, I mailed a debt validation letter to Bank of America, which is my legal right under the FCRA. I obtained proof that Bank of America received this validation request on XX/XX/2019. My validation letter was received by XXXX XXXX at XXXX XXXX on XX/XX/2019. I have attached both documents in this inquiry. According to the FCRA, Bank of America had 30 calendar days to respond to my request. Today is XX/XX/2019, and Bank of America failed to even respond to me, and is therefore in violation of the FCRA. They have to remove this account that they are reporting delinquently immediately from my credit bureaus because they are in violation of the law.