davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
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: WELLS FARGO & COMPANY (PA)

Hello. A representative XXXX from XXXX called me to get payment from a loan my ex husband took out for our daughters college tuition. He applied for that loan in XXXX from Wellsfargo. Since then, Wellsfargo sold the loan to XXXX. I talked to XXXX to let her know that my name was signed electronically and she said there is nothing she can do. XXXX admitted on a recorded line that I did NOT co-sign on that loan for my daughter. Now, I have a missed or late payment on my credit for something I have no dealings with. Here is the contact person at XXXX to validate what the conversation was about on XX/XX/XXXX around XXXX XXXX XXXX Recovery Specialist II XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o : XXXX XXXX
Consumer complaint received 2016-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Every year I receive a letter showing the " interest '' paid to my Student Loan, so I can deduct it from my taxes. This year they did not send the " interest '' letter, so I wrote to them requesting that they send the " interest '' letter. 
What I received instead was a letter threating to garnish my wages in spite of the fact that I 've made on-time payments since XX/XX/XXXX. 
The bills I received were from US DEPT OF ED - XXXX XXXX XXXX - XXXX XXXX XXXX. 
The threating letter was sent from PIONEER CREDIT RECOVERY - XXXX XXXX XXXX - XXXX XXXX. 
I responded by sending a letter showing the payments made through my bank from XX/XX/XXXX-XX/XX/XXXX 
It 's XXXX XXXX, and I still have not received the " interest '' letter. 
I 'm just waiting to see if they garnish my wages.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I have previously filed a complaint with you regarding the restarting of my payments after a mortgage of one year on four mortgages. The complaint number is XXXX. 
I have been in contact with Truiest many times since writing the original complaint and it seems two of the mortgages were in need of a soft appraisal to complete the documentation. I was sent a letter to the effect stating that the appraisals would be ordered at my expense, but was not consulted as to if I agreed to this fee. I called to ask how much I was to be charged and the representative was not able to tell me how much nor how I was expected to pay. When I started this forbearance process, I was told there were to be no additional hidden fees nor penalties. I find this fee to be a hidden penalty and predictionary. I was told that it is a standard procedure and required on all mortgages coming out of forbearance, but she had no explanation when I said it was only being required on two. 
I do not see how they can expect me to pay for something that I have no idea the fee nor did I approve.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my Paypal account for my online business. I just started by XXXX XXXX XXXX XXXX XXXX this year and my Paypal account ( XXXX ) has stucked funds in it and I have to withdraw funds for emergency purposes. I am hoping that I will get back my account and be able to withdraw my funds. Many thanks and more power.
Consumer complaint received 2022-05-16
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. (CA)

The Experian credit reporting agency is causing harm to my credit profile by showing 3 hard inquiries that are inaccurate to the credit profile from the following companies : XXXX XXXX XXXX XXXX Disputes have been filed internally through the Experian website, but all attempts to remedy the situation have failed.
Consumer complaint received 2022-05-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION (IL)

On XX/XX/2022, I learned from Alliant Credit Union ( ACU ) customer service representative over the phone that my membership was terminated. All checking accounts were closed and all remaining fund was put in the saving account. They would not tell me the reason for the termination. They told me to only communicate with their Compliance department through paper mail only. No email, no phone, or other means of communication are allowed. They gave me the mailing address of their Compliance department. I took snapshots of my online account as the evidence of remaining fund. I initiated the ACH transfer to send the fund to my other banks. 

On XX/XX/2022, my XXXX account was completely gone. I could not even login. The ACH transfer that I initiated yesterday never get executed. The destination bank never received the fund. Therefore I sent a certified and returned receipt letter to XXXX asking them to release all my money in the saving account. 

On XX/XX/2022, I checked the XXXX tracking number and discovered that XXXX was not accepting the mail. It was sent back to the post office waiting for the pickup. 

At this point, I don't know why they did not accept the mail or if the office is still open. I have all my money there. This is the only money I have to pay for mortgage, utilities, food, and everyday expense. Without the access to it, many major negative consequences will ruin my life. Please help. 

I'll put the account number and other sensitive information in the solution that I seek
Consumer complaint received 2022-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have wrong addresses and phone numbers on my credit report, I have not lived at all these addresses. There should only be one address on there and that is XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX that's it. Please remove them from my credit report because they are inaccurate.
Consumer complaint received 2023-06-01
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. (SC)

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 items 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 items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX -, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$400.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-16
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. (DC)

On XX/XX/2021, I the consumer notified all 3 consumer reporting agencies ( Experian, XXXX and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer, confirmation # XXXX from XXXX, and confirmation # XXXX from XXXX, Experian never sent anything in writing nor investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. The Names and Account Numbers are ( XXXX XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports, ( XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), ( XXXX XXXX XXXX XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), and the ( US DEPARTMENT OF EDU XXXX XXXX XXXX # XXXX, # XXXX, # XXXX and # XXXX ) -All 5 accounts has INACCURATE INFORMATION on all 3 consumer reports ( 2 of 5 accounts was deleted # XXXX ). XXXX, Experian and XXXX failed to Investigate the first 2 times witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, Experian and XXXX failed to Investigate both times according to federal law ( FCRA ). XXXX, Experian and XXXX haven't conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. XXXX, Experian and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies that XXXX, Experian and XXXX furnished to my consumer report fraudulently. I demand all XXXX accounts be deleted Immediately from all 3 consumer reporting agencies or I will file for 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 title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-03-28
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 Account XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 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 2022-05-18
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank (AZ)

I received a call from a woman who claimed to be with XXXX XXXX XXXX. She was very rude and was unable to verify the debt. 
The agent was unable to provide me with any information, refused to mail me any information and refused to provide me with a mailing address for XXXX XXXX XXXX. The agent demanded i provide sensitive personal information like my full SSN even though she stated she already verified the account with the last 4 of my SSN. I got worried so i hung up and called the number back. 

I was connected with a male who stated he was able to verify my account. When i asked him about the debt i was informed it is from first progressive secured credit card. 
I have never heard of first progressive secured credit card, or of XXXX XXXX XXXX. i asked for documents to verify the debt and the individual told me they don't have the documents, they only have an amount and a name. 

I never signed up for any of this and it should be considered fraud
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) has failed to send me a response with my requested information for alleged collection account XXXXwithin the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a XXXX  mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX. Now that I contact this company about this alleged debt there is no response?? 


furthermore PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2022-05-18
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. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$7500.00} ; DP OF EDUC XXXX Balance : {$9100.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$4500.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; DP OF EDUC XXXX Balance : {$6100.00} ; DP OF EDUC XXXX Balance : {$8800.00} ; DP OF EDUC XXXX Balance : {$5000.00} ; DP OF EDUC XXXX Balance : {$3700.00} ; DP OF XXXX XXXX Balance : {$2400.00} ; DP OF EDUC XXXX Balance : {$6600.00} ; DP OF XXXX XXXX Balance : {$17000.00} ; Medical XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a XXXX account for {$3500.00}. This debt was purchased by Portfolio Recovery a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to Portfolio was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.
Consumer complaint received 2021-10-29
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

On XX/XX/2019 I was contacted by Caliber Home Loans to refinance, the only product offered was a FHA streamline refi. After having a third party review the closing docs, I come to find out that this was not the best option for me. The agent failed to explore all the refinancing options available to me. Since this process lacks an appraisal and it wasn't done I was placed back on a FHA loan when I could of saved more money by going conventional. Contacted the company and the manager agreed that Conversation could of been a better option but offered no way to remediate the companies lack of guiding me in the right direction. Not being presented with all the options has cost me about XXXX in the back end of the loan and about XXXX dollars more a month.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My friend who banks with XXXX XXXX Accidentally sent me money thru XXXX CHECKING ) She sent me her rent money in the amount {$500.00}, My account was in the negative. I submitted a claim so they can return her money and she even attempted thru her bank and they refused to return the money to her account. I am beyond disappointed with CAPITAL ONE.
Consumer complaint received 2022-05-16
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)

This is a follow up to my last complaint. Sending me what I sent you is not clarification. I do not know when the fraud began, I reported it as soon as I saw it on my reports. I have several student loans, all of which are in good standing, but I do not have knowledge of this one. The random letter you sent doesn't even have an account number, and you are not XXXX XXXX. My loans are all federal, not private. I see nothing authorizing this loan. I demand proof of signing for this loan be sent to me, or you have failed to verify the debt.
Consumer complaint received 2022-05-16
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. (IL)

The office of my insurance broker, XXXX XXXX, was broken into. The computers were stolen with all client information. The insurance company hired a company, XXXX, to help those of us affected clear the fraud. I was one client that was hacked. Multiple credit cards were opened in my name. During the first round of paperwork some of the accounts were cleared with the above information. Some did not clear. XXXX then found that the remaining accounts had the following common. The cards were opened by someone in California. They would order items and use my mailing address as the shipping address. Then they would change the delivery address after the fact. 
Once this extra level of the fraud was found, the other accounts were cleared as fraud. 
The only one left is a XXXX account for {$3500.00}. This debt was purchased by XXXX XXXX a debt collector on XX/XX/XXXX. This then reset the date shown on my credit report. Now I am again having to prove it was fraudulent for them. 
The actual open date according to XXXX was XX/XX/XXXX which is inline with the other fraudulent accounts.please help me clear this item also. My email is XXXX. Thank you.