davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

There are two issues.

1 ) The account was settled and paid on XX/XX/22. See the attached settlement letter and bank statement showing the payoff. My credit report shows it as charged off and fully unpaid with an outstanding balance. This should be updated to reflect it has been settled and closed with a XXXX balance. 

2 ) The 1099-C I received ( also attached ) showed the entire balance plus additional interest as charged off ( and therefore increasing my tax liability ). This should only include the actual cancelled debt, less the settlement payment made and no interest. 

I have tried to reach out many times but the company appears to be out of business and the phone numbers do not work.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (AZ)

My credit card was charged for things I did not purchase. A large number of the charges are listed as being from XXXX. I don't have an XXXX XXXX account. In fact, I have no payment arrangement with XXXX whatsoever. I called the number listed for XXXX several times, but each time, either it says call back, or puts me into a phone tree. The phone tree always returns me to the a menu I have been on before. In other words, it puts me in an infinite loop. No wonder the original address of XXXX Headquarters was 1Infinite Loop. 

Another charge was from XXXX. I don't even own a a XXXX. 

There is also a billing for XXXX XXXX. I did originally subscribe to XXXX XXXX, but quickly rescinded my subscription. 

When I disputed these charges, I got a message saying they would contact me if they needed additional information. Of course they never contacted me. Finally they said the dispute had been resolved by refunding XXXX dollars and some cents on the XXXX billing of {$42.00}, {$26.00}, and {$10.00}.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NY)

On several occasions Wells Fargo has fraudulently, lied to me and told me that I can not link my rewards cash back to my principal mortgage, which in turn has prevented me from earning cash back that would go towards my mortgage principal. Also, Wells Fargo has failed to attach my Visa credit card account to my online banking account so that I can not see what my bill is or make timely payments and have been charging me monthly {$27.00} or {$29.00} a month in late fees when they're not sending me a statement. I have an excellent credit score I pay my bills on time my mortgage has never been late with Wells Fargo Wells Fargo is extremely fraudulent and how they handle their customers. Please check into my mortgage Hamp modification where I was granted XXXX in equity and I believe my payments is not going towards my mortgage and my Principle as i was told it would be going towards.
Consumer complaint received 2022-06-15
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)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/22 To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX and XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately. 

Best Regards, I have attached my ID to this letter.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

I have disputed this fradulent public record numerous times with the credit bureaus. XXXX  and Equifax refuse to remove this incorrect information from my credit report, XXXX  has done so already after properly investigating and proving it does not belong to me.
Consumer complaint received 2022-03-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Navient is attempting to resume payments effective XX/XX/22 despite the government moratorium having been extended to XX/XX/22. 

I have attempted to get them to explain why or how they or I am exempt from that but they have not ever addressed that question, only telling me the same thing that they are no longer offering relief due to the Covid pandemic. No loan servicer ever offered relief, it was granted by my government and still is until XX/XX/22.
Consumer complaint received 2022-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

Since 2018 Carrington Mortgage took over my mortgage from XXXX XXXX. I have been making my mortgage payments online thru Carringtons website instead of mailing checks. I have now found they have been adding on a XXXX dollar processing fee to every payment I made online thru their website. This is a deceptive business practice by them and also a violation of the fair debt collection practices act. They are only allowed to charge the actual cost to process the payment which is about XXXX cents not XXXX dollars. I have been getting charged this XXXX dollar fee for somewhere around 3 or 4 years now and believe they should refund the differnce between the fee charged and the actual cost to process the payment.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (TX)

To whom it may concern : Please note that Loan Depot is our 'current ' Mortgage Loan Servicer, and we decided to refinance with Loan Depot ( same company ) our loan for a lower rate of 2.5 % from the current 3.5 % that we are currently paying to date. This company had a policy offering to their client a 'Lifetime Guarantee ' NO closing costs for existing members. The loan officer, XXXX XXXX qualified us ( Loan # XXXX ) on XX/XX/XXXX for a 2.5 % rate, and was locked until the completion of the process, up to XX/XX/XXXX. After submitting on demand, ALL the required documents, we finally Esigned after almost 4 months, the Agreed terms on the Final Closing Disclosure with a Closing date on XX/XX/XXXX and Disbursement Date on XX/XX/XXXX. The agreed closing event as confirmed with the agent, XXXX  XXXX never happened, due to the failure of Loan Depot to deliver the documents to be signed. We called Loan Depot, and they needed more income information from us. We have a fully paid, original owned property house ( XXXX taxable value= {$230000.00} ) for rental, and we gave them a copy of the XXXX Lease document, as well as our latest XXXX Tax return. Both of these set of documents were given at their request, in addition to a permit to access the Social Security records of XXXX XXXX, XXXX year old, and was laid off on XX/XX/XXXX, due to the final closure of the company, where employed ( XXXX XXXX ) continuously for the last 15 years. MrsXXXX XXXX is still trying to find employment, and she also activated drawing an early retirement from the Social Security System as an added monthly income. Mr. XXXX XXXX is currently FULLY employed, and he brings 80 % of the household income. This property that we are refinancing was built in XXXX XXXX, XXXX and we have paid ( on time ) our monthly amortization with Loan Depot, until these days. The pandemic never affected our Terms and mode of payment, and we pride our exceptional credit score. It is our moral and financial obligation to pay our debts, religiously, and that is how we will manage this mortgage until it's fully paid, with our goal, in the next 10 years. We just want Loan Depot, to honor the previous agreement that we Esigned in good faith, and make good on their refinance loan promise with a 'Lifetime Guarantee '. We sent to Loan Depot 's customer service, an appeal on XX/XX/XXXX 'to reinstate the Final Refinance Closing Disclosure for the Terms ( 2.5 % ) that were offered and accepted ', under Refinance Loan # XXXX File # XXXX that was confirmed for closing. We also made a follow up on XX/XX/XXXX RE : appeal ..but there's NO imminent resolution on the horizon. We hope that you can help us investigate this unfair business practice, based on pre- pandemic process and underwriting, and not on the individual/joint merits and worthiness of the consumer/borrower. 

Thank you for your valued services and immediate action. 

Thank you, XXXX XXXX and XXXX XXXX
Consumer complaint received 2020-07-30
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. (MN)

This writer submitted a dispute to Experian on XXXX. And a follow-up correspondence from Experian they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from Experian to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that Experian would need any further information however has agreed to provide that information to Experian for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing Experian to Block the Following two accounts from being reported as they are result of identity theft XXXX  XXXX XXXX Acct # XXXX and XXXX/XXXX  XXXX  Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell Experian has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with XXXX XXXX XXXX Police Dept. Both reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information
Consumer complaint received 2022-06-15
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. (FL)

On XX/XX/2022 IN accordance with the Fair Credit Reporting act XXXX  Account # 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 instruction.
Consumer complaint received 2021-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC (DC)

I DO NOT ACKNOWLEDGE OR OWE THIS DEBT. I AM A XXXX XXXX XXXX XXXX AND XXXX XXXX PERSON AND I DO NOT OWE THIS DEBT.THERE IS NO CONTRACT AND NO DEBT. THIS DEBT IS WRONG I DO NOT ACKNOWLEDGE IT OR ANY AMOUNT AND IT NEEDS TO BE TREMOVED!! THIS COMPANY PLACED IT ON MY CREDIT REPORT AND I NEED IT REMOVED IMMEDIATELY. THIS IS NOT MINE AND THEY HAVE NO PROOF OF THIS DEBT IT NEEDS TO BE REMOVED IMMEDIATELY. I HAVE REPORTED THIS AWFUL EVIL COMAPNY TO THE CFPB, THE ATTROEMNY GENERAL, THE FTC, THE XXXX AND I WILL PURSUE LITIGATION IF NOT REMOVED.I DO NOT ACKNOWLEDGE THIS DEBT AND IT NEEDS TO BE REMOVED IMMEDIATELY. THIS ALLEGED ( I DONT ACKNOWLEDGE ) DEBT HAS BEEN RE-AGED TO MAKE IT APPEAR YOUNGER WHICH IS ALOS ILLEGAL!! THIS COMAPNY DISCRIMINATES AGAINST AND HATES OUR NATIONS WOUNDED WARRIORS AND IS PREVENTING ME FROM GWTTING A ROOF OVER MY HEAD. I AM XXXX AND THIS COMPANY IS XXXX XXXX PERSONS.
Consumer complaint received 2018-05-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

My mortgage started in XX/XX/XXXX with Loancare LLC. In XX/XX/XXXX property tax disbursement was made in the amount of {$460.00} to the XXXX XXXX Sheriff Office ( Handles property taxes collection ) but it was made to the wrong persons parcel/tax ID number. After getting a Certified letter on XX/XX/XXXX from the Sheriff 's office stating my taxes haven't been paid all of this came to light. I had to get my closing attorney involved and my taxes were finally paid on XX/XX/XXXX in the amout of {$380.00}. Loancare sent me an escrow adjustment of my account without the benefit of crediting my escrow account back in that same amout of {$460.00} so my escrow account reflects both disbursement.
Consumer complaint received 2021-06-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IN)

Description : Coinbase My account was compromised even with two factor security requiring my cell phone. i received a two factor request on XX/XX/21 at XXXX XXXX  indiana eastern time. At the same time i received a email confirmation of a transaction completed converting ankr coin into btc coin. I did not make this transaction. I immediately logged in and changed my password again. reversed the transaction. Contacted the company. They locked me out of my account. They refuse to communicate with me after over 20 email attempts. they refuse to let me close my account. After further research on their social media profiles like XXXX. you can clearly see their entire feed is filled with similar stories. They are locking us out of our own accounts while they scrub the evidence and steal our money. Im ashamed that a company like this can even be successfully listed with an exchange as a recent ipo. This company is a scam. They have only email communication and they refuse to communicate. The customer has no recourse. My supposed case is Case # XXXX They have lied and misled me repeatedly on how to unlock my account. I did what they asked and they refuse to unlock it, allowing me access to close it and transfer my money out. If the Sec doesnt act imo you are complicit in this fraud. I can provide all emails. The ip address and location of the unauthorized access would have been available on my account but since i cant log in i cant gather it as evidence. Perfect XXXX  scheme going on here.
Consumer complaint received 2022-06-15
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. (FL)

On XX/XX/2022 IN accordance with the Fair Credit Reporting act XXXX  Account # 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 instruction.
Consumer complaint received 2022-03-02
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)

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 2022-03-30
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (VA)

BBT and Sun Trust recently merged. None of my log on credentials no longer work, and the company has wait times of XXXX minutes to speak to a representative. Everything was fine when I was a sUn-Trust customer. It seems that this merged bank goes out of its way to avoid talking to customers. 
They want a customer to fix problems themselves. They are a great source of annoyance and frustration. Can you help?
Consumer complaint received 2022-03-02
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. (PA)

I have been following up with Transunion for the past couple of months for the accounts that you can find in the attachments that i need to be removed from my account but they have not been able to do so. Thats why i am asking for your help now to have the false accounts removed from my credit report because it has been causing me so much distress already.
Consumer complaint received 2017-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion several times to inform them that this City of XXXX account do not belong to me. Transunion still have not removed this account from my credit file. Please assist me in getting this account removed from my credit file.
Consumer complaint received 2023-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (TX)

I have filed numerous complaints with the 3 credit bureau 's about my State Farm credit card issued by US Bank. US Bank is reporting to them every month that I am over the credit limit. It appears to me that US Bank is selectively ( profiling ) minorities by indicating that I am over the limit to all three credit bureaus. They are selecting what to report instead of reporting accurate account information to the bureaus. 

I have never went over the credit limit on this account. I have made numerous attempts to resolve the issue with US Bank by requesting a status update letter. However, the letter does not indicate the credit limit. 

I do believe that they are not practicing in good faith as it relates to addressing concerns of minority Americans. I believe they are targeting minorities by reporting inaccurate information to the credit bureaus every month. 

I called US Bank and asked them would they tell me the day that my credit card was over the limit or even when I owed {$5000.00} on the credit card, both supervisors that I spoke with told me that I was never over the credit limit.
Consumer complaint received 2022-03-02
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX EXPERIAN XXXX CRED Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX of Inquiry XXXX XXXX XXXX XXXX XXXX ODA Date of Inquiry XXXX XXXX Date of Inquiry XXXX
Consumer complaint received 2018-05-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

This is a third party company Ability recovery service that is trying to collect for XXXX University. I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX for a XXXX XXXX. I recieved full Financial Aid that was provided by the United States Department of Education. I had an ECC : of XXXX which is how much I could contribute to my education. I recieved 100 % subsidized and and unsubsized student loans. The money goes directly to the school and when I withdrew. They are claiming that I owe over XXXX. I am current paying on my student loans.
Consumer complaint received 2020-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

I contacted American Education Services ( AES ) about two weeks ago to ask why I am being ask to pay my student loan when the newly passed Cares Act granted me a six month forbearance. I was told by AES that they are not postponing payments and that the Cares Act does not apply to them. I stated that AES is a federally back loan and its also listed as a servicer on the federal website therefore my payments should be delayed. I was told by the AES that they expect me to continue my payments and if not I risk delinquency. This is unfair and this servicer is probably threatening a lot of customers. Please help resolve this as soon as possible. This is a strain on my family during this pandemic and it seems as though AES is not abiding my the CARES ACT. 

Thank you, XXXX XXXX XXXX XXXX