davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-07
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. (NY)

I am submitting this complaint about XXXX credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX  XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NY)

I went to the Wells Fargo branch located XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX There is branch manager Name : XXXX XXXX NMLS ID : XXXX XXXX Mangers stop cashing my check with bed behaviour even I have money in my account I deposited {$10000.00} check over the bank app my check cleared and there is no hold in my app showing I have available balance more then {$9000.00} dollars and I am trying to cash withdrawal {$9000.00} but she stop cashing my check telling me your check is hold but I telling here look my bank app there is no hold on check I have available balance but she said bank give you as courtesy you can only use atm shopping you cant withdraw I said what? Why I cant withdraw if bank trust me but said go offline and go back online she fix my account on her computer to bring my courtesy balance drop she is over smart and races manager and all in branch not help full I drove the car more then 1 hours where I live I dont Wells Fargo branch near me I will get my money anyway but I need it today I request please take action against here if bank rules and regulations let you withdraw money Who the XXXX is XXXX XXXX IF YOU NOT TAKE ANY ACTION AGAINST HER I WILL TRY TO FILE CASE AGAINST HER I HAVE SCREENSHOTS AND ALL PROOF THANKS
Consumer complaint received 2018-05-07
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: Atlanticus Services Corporation (NJ)

XXXX  allowed a credit card to fraudulently be opened in my name in XX/XX/XXXX/XX/XX/XXXX, even though my credit union accounts were " frozen. '' I submitted the notarized affadavit and copy of the police report I filed and have followed up with XXXX  several times, but the company still hasn't removed the record from my credit files and continues to report that payments are late. My credit score has dropped because of this.
Consumer complaint received 2018-05-07
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)

I am submitting this complaint about experian credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.
Consumer complaint received 2018-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We to local Wells Fargo Bank in XXXX to refinance our home. We completed the paperwork and the mortgage manager looked at it and made us pay. {$500.00} to start process. He said it look great and they would call us back if we need to come back to do more paperwork! 5 days later a Denial Letter came in. They said they were sorry and they were keeping our {$500.00}. Dollars. No explanation. That day the had 10 others apply for a refince mortage and everyone was denied. I found out years later that the local Wells Fargo has been scamming Military Families for years. We look back and really felt that we were spam also as a military family!
Consumer complaint received 2024-03-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (CO)

I am the co-signer on a loan that per court order, Navient should have discharged. We had a conversation with agent XXXX from Navient on XX/XX/XXXX and discussed that there were litigations on these loans that Navient is not honoring. We have requested transcripts of this communication from XX/XX/XXXX, but they refuse to provide us with that recording. I have made multiple attempts to communicate with Navient to inform them that my preferred method of communication that Navient refuses to honor this request. Hence I will only communicate via our preferred method ( email ) in the future. Navient has repeatedly refused to communicate in this fashion. This is now impacting my personal credit rating.
Consumer complaint received 2018-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (CO)

I had no idea that there was a collection of {$25.00} against me until I attempted to apply for credit. The company informed me that XXXX   had a horrible mark against my credit because a collection agency by the name of CBE Group claimed that I never paid a {$25.00} debit. It would have been nice to have been notified by someone of what this charge was for and when it happened. This company never sent me any written notification about this issue and now XXXX has removed it from my credit report. But I have no idea what the other credit bureaus show about the CBE Group and how to get those additional agencies to remove this erroneous claim. 

My concern is that this company holds people for ransom by submitting inaccurate information to credit bureaus without the consumer being aware of it. Clearly enabling companies like CBE Group to act in this manner is no different than anyone in the world putting a mechanics lean on a home so that the title is cloudy. There needs to be some sort of proof that the company has reached out to the consumers and that the consumers clearly ignored all communication. They should also be obligated to obtain a signature of delivery of their notifications in order to file with the credit bureaus. This is not the way that companies should be allowed to do business and there need to be repercussions to organizations who file erroneous and inaccurate information about consumers. I look forward to your insight and support to stop predators like CBE Group.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one is not reporting to the credit bureaus correctly for my payments in XX/XX/2024. They should be reporting that it was current no unknown, I paid it and have proof of the payments in XXXX. Please have them update all XXXX credits places as they do a percentage and with this not showing it was current in XXXX, it lowers this score. I am trying to buy a home for my children and I. 

Thank you
Consumer complaint received 2021-06-10
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. (TX)

On XX/XX/XXXX, a collections account was reported by XXXX XXXX XXXX XXXX for XXXX to the company of XXXX  XXXX. I was without insurance and going through a divorce with no job and this was difficult to pay off. I was able to pay it off in full on XX/XX/XXXX. 
My credit is now much higher with XXXX and XXXX  both higher than XXXX and allows me to begin building my credit profile and ultimately buy a home. 
Experian however refuses to remove this account. I have disputed this and been denied. I have contacted them on XX/XX/XXXX and the representative told me they would be keeping it on my account until XXXX as allowed by the law. I asked to speak to a Supervisor and they told me there was not one available. 
I have worked so hard to rebuild and taken the responsible steps of paying off my accounts. I have cleared every debt, paid off my student loans, and started on the path to rebuilding my credit and this one credit company refuses to allow me to move forward. I feel I have no recourse. 
Please, whoever reads this. Help me. 
I just want to get a house and give my now XXXX a home to grow the rest of his life in. In XXXX, when they have agreed they will remove it, he will be XXXX and moved out. 
This is an unfair burden placed on people trying to dig themselves out of a hole and as soon as they climb to the rim and see the light Experian kicks them back in stomps them in the face says live in there a few more years and fills that hole back up again.
Consumer complaint received 2020-07-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

During XXXX, i was XXXX and and my mail and credit data was stolen. I reached out to USAA and police reports. The account # Visa ending in XXXX was not removed from XXXX  and XXXX  and was removed from XXXX. After nearly 3 years of trying to remove this single item from my reports I contacted USAA and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. USAA is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account. 

I XXXX XXXX am submitting this I have enclosed my ID, and address information
Consumer complaint received 2022-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

So started when I began to notice the charges of late fees even though I was already paid ahead, and I was not late on my payments. This brought up the issue that they were improperly/not applying my extra payment to my principal. It also brought up the issue that when I had my insurance rate on my escrow lowered by about half which they did not make the changes, nor did they credit me. Besides that, fact between the stimulus/grants /other government programs I should have another {$10000.00} that has been credited. Which I received notification from the US government and the company that I would be getting these credits. Which I did not get credited to my account. While this was going on I was looking to change to a VA mortgage which I have not been able to because of the XXXX they are doing. I extremely hard time contacting the company. This company is embezzling my money that have put towards my mortgage they said my mortgage was {$100000.00} when it should have been at {$86000.00}. This company began to refuse my payments and then sold off my mortgage to another company. When I did my contract originally which involve a lawyer and court, I had the removal of selling my contract to another company without court order or my approval. This company is now violated the contract and is also committed identity theft. Which these charges are in the process of being filed. This company is also been identified as the company who sold off personal and confidential information to other mortgage companies which now I received numerous calls a day from. I still have the payment that are missing which I have not been able to make because the company refusal to take them.
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I was a cosigner on my mother 's car her last payment was made on XX/XX/XXXX her car was traded on XX/XX/XXXX the dealership that she traded her car and did not send the payment for the card that she traded in to XXXX XXXX XXXX until XX/XX/XXXX therefore my mother didn't make a payment for XXXX because her car had already been traded on my credit report they're stating that she missed her XXXX payment when she never had a car below I have put inside the documents the date she traded the car in the date that the check was sent
Consumer complaint received 2018-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Medical Management, Inc. (NJ)

at the time of service insurance was verified and approved to render services. i was not contacted by phone or mail of this debt or my right to dispiute it before going on my credit report. i am XXXX  and unable to pay this debt. the debtor are aware of my XXXX.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I previously made a complaint regarding Experian. Nearly two months after a dispute letter was sent challenging inaccurate information in my credit report, I still had not received a response. I made a complaint on CFPD. Experian responded FALSELY that they had received and verified everything in my dispute letter and that a response would be forthcoming in the mail. A couple of weeks later I received their " response ''. Nothing had been investigated and a line that " unable to honor my request due to incomplete information ''.

Clearly, they hadn't even looked at the dispute and filed a false response to the CFPB, a federal goverment agency. I consider this perjury. My letter was clear, concise and clearly demanded action desired. I consider this inexcusable. I wish for this to be pushed forward for sanctions against Experian. I have resubmitted my letter to Experian and will appraise CFPD of the response or lack thereof.

I have cc 'd the complaint to the California Attorney General 's office as well.
Consumer complaint received 2018-04-17
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. (GA)

I took a HELOC out in XX/XX/XXXX. I unfortunately could not pay it off and the last payment I made was in XX/XX/XXXX. The credit bureaus are showing all different dates for the date of charge off, they are showing an increasing balance every month from then until current. It looks like the credit union changed the account number so there is some confusion there
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNCOAST CREDIT UNION (FL)

attempting to fax in credit card statement reflecting a fraud charge on my account. 

i faxed in my statement on the following dates : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all sent to the fraud department fax number of : XXXX XXXX XXXX we are at the point to where my bank is telling me i need to fax in my statement yet another time. how am i suppose to feel about faxing it in again if they did not receive it the first 5 times. This is the first time I am ever claiming fraud with my bank and this is the treatment i am receiving.
Consumer complaint received 2022-03-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (ME)

I have a couple loans through Sallie Mae. I had to have a co-signer and that was the easier part. I think for student loans they are pretty hard to acquire them without a co-signer. I'm XXXX, seriously. I do find it very difficult to talk to some one, change contact information, deferment, forbearance etc. I am still in school, and every time you turn around I have to get in contact to change it in school deferment. The do not call you just once. If you have multiple loans with them you get an email, phone call and text message to you and your cosigner er each loan. So your getting multiple calls, emails and texts. This happens over multiple days, It is down right annoying. There is no way to limit this or even change the method of contact. This is on the border of harassment. I have tried every semester ( yes I literally have to call each time ) to update that I am still in school, fight to get a deferment or forbearance, etc. This time I literally have called daily for a week, I still have not fixed anything, and now the loans are late for payment. Each time I call no matter what time of day it is. There was one time that the wait was over 3 hours, 2 hours, 1 hour and another time it changed to 77 people ahead of you 62, 34, literally it is impossible to reach anyone. It is not possible to download a form to submit, you would have to sit on the line all day to do this. When you work this is impossible. This is going to affect mine and my cosigner 's credit, and I really can not get any where. I am still in school and am trying to finish my XXXX, this ads an extra level of stress each semester when you have to call and report in or get things changed. No one has time for such crazy nonsense.
Consumer complaint received 2018-05-07
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. (MD)

ACCOUNT : XXXX XXXX I have repeatedly advised this account was opened under my name. I have sent police reports, letters, showing this was identity theft. 
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-05-07
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. (SC)

XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from equifax and XXXX- 'XXXX  FOLLOW SUIT WITH REMOVE ASAP '
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group (OH)

Dear XXXX XXXX : I received a letter from your office dated XX/XX/2021. Your company claims to represent the OAG regarding a purported debt I owe. This not only a false claim, but possibly represents a fraudulent matter on your personal behalf and your company. Please remove this claim immediately before I take swift legal action. I have already put the OAG on notice of my intentions ( in red ) : Dear Attorney XXXX : I received a collection notice from Revenue Group for {$6800.00}. The claim is that there are three account numbers with charges : Account Balance XXXX {$4200.00} XXXX {$310.00} XXXX {$2200.00} Naturally this supposed " collection agency '' has provide no back-up for these claims. Therefore, I believe this to be a claim and wish to report this probable illegal activity to your office for an investigation. Furthermore, I XXXX take additional legal action on the grounds of harassment. 

Thank you, XXXX XXXX Thank you for your consideration in this matter. 

Yours Truly, XXXX XXXX
Consumer complaint received 2018-03-12
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: DISCOVER BANK (CA)

Hi, I do not remember for applying Credit from following 1st and 2nd company. 
I request you to pls remove off from my credit report. 
1 ) XXXX XXXX XXXX : Inquiry Date : XXXX XXXX National Credit card Cos. 

2 ) Discover Bank Inquiry Date : XXXX XXXX & XXXX National Credit card Cos. 


and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XXXX XXXX Telephone Companies
Consumer complaint received 2018-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TX)

Security Credit Services , LLC contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. 
They gave an email address that is on the bill that is not ours. 
They would not give any information on when the account was opened or for what services.
Consumer complaint received 2018-05-07
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. (SC)

This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX orginally removed from my account and placed back onto my account through a collection