davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo? Last year XXXX in XXXX I was notified by an Investigation Company in XXXX Texas. 
They had made several investigations on Housing Costs Tax for Senior Citizens. They discovered {$700.00} City Property Tax that was Not Paid, but ; the {$700.00} was taken out of my Bank Escrow account? This led to Hearing in XXXX Texas Court of which I attended. 
The XXXX Court final decision was that it be replaced to my account y Wells Fargo!! Today ; XX/XX/XXXX it has never been returned to my Wells Fargo Account. 

This is Third house I have financed with Wells Fargo? Additionally ; I have discovered Thousands of USD missing from my account? 


I pay my House Payment at Bank the first week of each month. It is an 30 Year FHA Loan, Contract Wells Fargo has always been Honest?? I thought? Until XX/XX/XXXX when this all started as an investigation by a certified Company. 

XXXX and XX/XX/XXXX : Wells Fargo has Demanded an additional {$440.00} USD in the Bank when I Paid My Contract Amount. This represents 50 % increase of Fraud. In the past week I received another Threat : They did not Credit My Payment Cash at Bank, but notified me, They stated they would hold it until I Paid The Full Amount of which is {$830.00} Total including Escrow Amounts Due Per Month, but ; I have made several requests for a copy of My Escrow Payments and Monthly Amounts> In 18 Months I have Received NOTHING???? 

I am XXXX XXXX XXXX Retired XXXX. 

The ONLY Decision of this Fraud, Theft, Threats, DTPA, and Attempt to Steal My Property because I have {$80000.00} Cash Equity. Additionally there is approximately $ 8-10,000 Cash missing from my account that I am closing dues to ALL THIS CRIMINAL ACTIVITY?? 

I am XXXX yoa and ; can not afford for these Criminals to steal my property savings? 

I hope you can help me? 

Thank You XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

XXXX is calling several times daily to collect on a student loan. However, whenever I speak to them and tell them I am willing to pay, just not the impossible amount they ask for, they dismiss me or tell me too bad I need to pay. I have been referred by them back to citizen 's bank in order to lower a payment, who then refers me right back to XXXX. I have asked many, many times for a payment plan option of any kind to lower payments where I can actually make them, instead being told there is nothing they can do besides collect the full payment. This payment is about XXXX my monthly income, which is not possible for me to pay with other bills I owe. I have asked over and over for any sort of program to work on a payment low enough for me to pay, because again I am willing to pay ( as I 've stated to them ), but the amount they 're asking for is absurdly high relative to my income and they refuse to help at all.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I have 2 credit cards that are inaccurately not reporting positive history on my credit report. This is negatively impacting my score as I currently do not have positive payment history and new accounts to create a credit score. I am requesting the following accounts to be updated and reflected on to my credit report : 1. XXXX XXXX XXXX card opened XX/XX/22 for {$200.00} with Exceptional payment history that is not reporting. 
2.XXXX XXXX XXXX  card opened XX/XX/22 for {$200.00} with exceptional payment history that is not reporting.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Early Warning Services, LLC (TX)

I was robbed of XXXX $ I was called telling me my XXXX had been hacked and I owed {$300.00} so I gave the Zelle man my account info and he robbed me of {$300.00} no XXXX called me after I reported it and said they did not call me. I do not remember the guys name or phone number and my account is locked. Then I received a call from Zelle saying they were going to return my money if I have them my new account info. He said I needed to send money to XXXX at XXXX and I did and he took out {$290.00} I am out {$600.00} and my band said I will not return a refund from Zelle. I am broke now and cant pay my rent. I cant believe my bank wont help me
Consumer complaint received 2022-08-17
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX Balance : {$4800.00XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry XXXX XX/XX/2021 XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2018-06-17
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. (CA)

There is a fraudulent collections account that Experian refuses to remove from my report. I asked them to investigate on XX/XX/XXXX. They wrote back a few days later claiming that the account was " verified ''. However, they refuse to tell me how they " verified '' the information with the collection agency. I know for a fact that Experian DID NOT CONDUCT AN INVESTIGATION into this account because I contacted the collection agency directly and they told me Experian did not contact them to discuss the matter. In addition, that collection agency could not provide any legal documentation whatsoever that proves this account was mine. 


EXPERIAN IS LYING. They say they conduct investigations into fraudulent accounts but they do nothing.
Consumer complaint received 2020-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2020, I received a message in my email from XXXX XXXX, that Commenity Bank had closed my XXXX Visa Card. There was no prior notice. 

This card had a {$0.00} balance for almost 3 years. This was oe of my oldest acccounts, almost 7 1/2 years, and payments, when there was a blalnce, were paid on time. 

When I tried to inquire as to why the account was closed, I received a voice mail that said " if I was calling because Commenity had closed the account, there was nothing that could be done. I would have to reapply. '' Why? 

This action has lower my credit score through no fault of my own. I am consciously trying to build my credit score, and these banks in response either cut my credit limits by the amounts I pay the card down or they close out the cards. 

I feel as if this is done purposely to justify higher interest rates. 
Thank you.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$22000.00} on the XXXX - partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The vehicle had numerous issues from the day I purchased it. I tried working with the dealership to replace the vehicle and they refused to help me. It continued with various noises that none of the mechanics could identify within the transmission. I new transmission was put into the vehicle because I had the extended warranty however, even after doing this the vehicle continued to have problems. The dealership wanted to put another transmission into the vehicle. They were not confident that even doing this, would fix the problem. I called the bank and explained the issues I was running into and told them to come and get the vehicle because I was not going to make another payment on a vehicle that spent more time in the service department continually trying to be fixed. This would end up costing me more than what I was going to spend on the vehicle. ( I have attached documentation and service records of the numerous repairs from XXXX XXXX XXXX and XXXX XXXX XXXX which is the last dealership that was working on the vehicle with the extended warranty. ) This account needs to report a {$0.00} balance. There is no outstanding balance due. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-09-24
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OH)

XX/XX/2022 - Spoke with a representative and a supervisor to try to negotiate terms for repayment. The call was recorded and is attached to this message. I was told that I could receive certain terms of repayment and scheduled a call back for XX/XX/2022. 

XX/XX/2022 - My cosigner, XXXX XXXX received a call from Navient and spoke to supervisor XXXX XXXX XXXX ( Unit Manager, XXXX, Navient, XXXX XXXX XXXX ). XXXX XXXX told XXXX XXXX XXXX that I had a call back scheduled for XX/XX/2022 and a plan for repayment was moving forward. XXXX XXXX XXXX said she could " find a great deal '' and said " let 's see what we can do ''. XXXX XXXX was then told a vastly different amount of repayment and was told that she would need to sign up for a repayment plan as of XX/XX/2022. She was told that there were " no notes '' on the account regarding my previous call on XX/XX/2022 and that she did not see a call back scheduled for XX/XX/2022. XXXX XXXX XXXX bullied, laughed, and harassed XXXX XXXX on the call and stated that she had " more than enough '' discretionary income to cover the loan payment. XXXX XXXX continued to state that she wanted to cancel the proposed payment plan and wait to speak to myself. XXXX XXXX XXXX would not end the call and kept stating that she would " never receive this deal '' again and that she would " ruin '' my chances of receiving a lower rate. XXXX XXXX proceeded to attempt to hang up and overheard XXXX XXXX XXXX complaining to another associate about " all the work '' she would need to do to recover from not seeing the notes on my account and that she would not be receiving credit for achieving the payment plan she tried to propose, implying that she would receive a commission from the plan. 

I am disgusted and tired of the bullying and discriminatory behavior by Navient. They never have accurate records of their calls with my account so how can I be sure that the information I am being told is accurate? 

Navient has refused to accept ANY form of payment that is not what they proposed. I want action taken against Navient or my loans to be transferred to another provider who is willing to work with my repayment based on my income. If not I will seek legal action against Navient for their predatory and discriminatory behavior.
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act the following accounts listed below 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.

Here is the list of the accounts that has violated my rights. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX Bank Account Number : XXXX Account Name : XXXX Bank Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX bank/XXXX Account Number : XXXX Account Name : XXXX BankXXXXT Account Number : XXXX Account XXXX : XXXX Bank/XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account XXXX XXXX XXXX : US BANKRUPTCY COURT-XXXX Reference Number : XXXX
Consumer complaint received 2020-09-24
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts has violated my rights : XXXX ). XXXX XXXX Bank ( XXXX ) Account # XXXX XXXX ). XXXX Bank ( XXXX ) Account # XXXX Rights Violations : 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 2018-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sherloq Group, Inc (MO)

This company keeps reopening accounts in my name. XXXXXXXX XXXX XXXX, XXXX, simply referred to as XXXX XXXX XXXX, is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ]  As of 2017, XXXX XXXX XXXX services more than 7 million cardholders across the United States.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I just looked at my credit report and was shocked to see the error you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : VERIFY AND VALIDATE all data. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Consumer complaint received 2022-08-17
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: SYNCHRONY FINANCIAL (NY)

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
SYNCB/GAP XXXX Date Opened XX/XX/2014 XXXX {$0.00}.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Financial Credit Network Inc (CA)

I paid a collections account off in full on XX/XX/2023 with financial credit network for the city of XXXX. 

My credit report status shows a {$0.00} balance but my credit score does not reflect the paid in full status. My credit should have increased by at least XXXX points according to XXXX  XXXX. 

Thank you
Consumer complaint received 2020-09-24
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: ALLY FINANCIAL INC. (CO)

I applied for and received a auto loan for a used car. Subsequently I received a letter from ALLY Bank referencing credit freeze on my record with XXXX, which I authorized and their letter also reference XXXX XXXX. 
XXXX reported incorrect credit score and incorrect factors which affected my score as reported by XXXX. 
I have never heard of XXXX, never authorized them to be used or consulted regarding my credit score.

Their information is incorrect and there is no way to reach them without disclosing too much personal information. I do not want to release personal information to a company I have not chosen to use nor one I have never heard of. 
My credit score is readily available from XXXX XXXX and XXXX 
I my records deleted from XXXX XXXX. 
.
Consumer complaint received 2022-08-17
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$64000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$8100.00}XXXX XXXX XXXXXXXX Balance : {$7200.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX, XXXXXXXX XXXX XXXX Balance : {$7700.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

XXXX  has the following incorrect addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax has the following incorrect address : XXXX XXXX   XXXX XXXX XXXX, VA XXXX XXXX has the following incorrect addresses and names : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX I have asked XXXX, Equifax and XXXX numerous times to update my correct information because I do not reside at these addresses and these names do not belong to me. My requests continously are ignored. I want this incorrect inormation deleted immediately.