davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-16
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. (FL)

I want to complain about inaccurate account and payment information as it pertains to a XXXX XXXX XXXX account that is currently been reported on my credit report. The account number for this XXXX  XXXX XXXX account is XXXX. 
Account and payment info are inaccurate.
Consumer complaint received 2022-02-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

At about XXXX, the caller called my boyfriends phone and told him that his calling from Bank Of America and our joint account is being hacked. The caller proceeded to have my boyfriend download an APP and had full remote access to his phone and transferred XXXX increments of money starting from {$490.00} to {$490.00} totaling {$2900.00}. By the time the figured that it was a scam caller, they had already transferred the money out of the account. We called Bank of America immediately to notify them of such act. They then closed the account, open a new one and transferred the remainder of funds into the new account. The. All we kept calling all night, and my boyfriend went the very next day and bought a whole new phone because they had access to the old one. Bank of America, sent us a letter debuting to pay us back. This is unheard of. We filed a police report with my town and hoping they can find these scammers.
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (TX)

I have a complaint with the company XXXX XXXX out of XXXX XXXX XXXX and Comenity natl bank. 

I received an email from a lady named XXXX from XXXX XXXX that stated that she could not give me credit for a bracelet I returned unless I made my account current with Comenity Bank. 
She stated that the bank stated to her that no payments had been received to date. 

I do not understand how she got this information from Comenity Bank. 
I called Comenity Bank and they said they did not release this information. 
This is a violation of my privacy. 
Thank you for your help XXXX XXXX
Consumer complaint received 2023-03-27
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX 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 instructions
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

I have received three or four letters from Afni collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois XXXX, XXXX. 
Last notice date on XX/XX/22 stated I owed {$770.00} to XXXX. Credit acct XXXX. Afni , Inc acct : XXXX The company stated a discounted offer : {$380.00}. I replied to the first letter in writing via mail I received that I did not owe this debt. Ive had XXXX & XXXX for many years not XXXX. 

Is this a scam targeting the elderly?
Consumer complaint received 2024-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (OH)

In XXXX XXXX XXXX my wife change home owners insurance carriers. She went from XXXX XXXX to XXXX XXXX insurance. During the process of transitioning, they are saying there was a lapse of XXXX day. The new insurance came in effect on XXXX XXXX and the cancelled out insurance was cancelled the XXXX of XXXX. However, during time change It was not mention to me by XXXX it would not be enforce until after midnight of XXXX. Now, my mortgage is giving us a very high insurance when we already had XXXX ask me to send a letter from XXXX XXXX showing no lapse in coverage alone with a letter to remove the escrow home owners insurance which I have sent to Freedom Mortgage Company. 
Now, we have been paying our property taxes and insurance with no lapse in coverage and now they are not releasing us from this insurance they given us that we can not afford to pay. Our mortgage has never been late, our property tax and insurance has been paid on time. Freedom Mortgage has treated us unfairly with the great payment record we have is no reason to force this insurance on us. I feel mistreated by Freedom Mortgage and as a XXXX XXXX XXXX XXXX Veteran it is sad. When my wife call this mortgage company they would keep her on hold for almost an hour. I am asking for removal of the home owners insurance. Thank You, XXXX XXXX XXXX
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX  Issued by XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX TransUnion XXXX BANK Installment Loans XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC (KS)

Over the past 2 days, XX/XX/XXXX & XX/XX/XXXX, I have received 5 calls from New Era Asset Management ( XXXX XXXX ) seeking restitution for a past due credit card bill. But, I have been harassed by one individual, a " XXXX XXXX '', who evidently works for this company. He called me all 5 times : 2 separate voicemails and 3 direct dials. I called the company back and settled the debt, closing the account. 
However, this is a complaint of the excessive calling which I have received. I feel that this is credit harassment by New Era Asset Management. 
On XX/XX/XXXX, I filed a report with the XXXX XXXX XXXX, XXXX, New York, requesting that no further contact be made to me by New Era Asset Management.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

My account with CAPITAL ONE, account number is XXXX, should have no 30 days late on the month of XX/XX/2020 and XX/XX/2020 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. As you can see, I have a good records in paying these. With that being said, sending written letters and a lot of attempts on reaching out to 3 Credit Bureau and Creditor were neglected. This should be corrected immediately.
Consumer complaint received 2024-05-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

Checked my credit report because I have tried to applied for XXXX credit card & was denied because of many late payments in my credit report and did not recognized nor know the 2 credit cards were opened in my name without my consent. XXXX & Discover was opened in my name, the bank and debt collectors never reached out to me letting me know this was happening and ongoing for 6 years. I have contacted both banks & filed a police report but havent heard anything back yet.
Consumer complaint received 2022-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I certified mailed Transunion a Notarized FTC Identity Theft Report, along with a copy of my drivers license, Social security card, utility bill and cover letter. I called Transunion to check the status of the fraudulent accounts on XX/XX/XXXX. An agent said that the XXXX account listed on the Identity Theft Report was verified as accurate by the creditor.. I then mailed another letter to Transunion certified mail on XXXX XXXX stating " This agency ( Transunion ) is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately : This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report immediately : '' I called Transunion again today and was told again that the XXXX account was verified as accurate by the creditor. I am soooooooo upset by all of this. I am a victim and Transunion is not following any of the laws as well as disregarding my documents I have mailed to them. Please make them remove/block this account.
Consumer complaint received 2020-12-16
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. (NY)

I attempted to extend myself a credit card through XXXX XXXX followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, Equifax, XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.
Consumer complaint received 2018-11-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (TX)

I have never had an account with XXXX. This is the third, third party debt collector that has tried to collect on this account. The other 2 have been removed from my credit file, but XXXX doesn't report it in their name, so while I get the third party debt collectors removed XXXX keeps reselling the account. It is an unfair practice to keep selling the debt to a third party after I have it removed from my name. WAYRESGRP is the new third party debt collector. They failed to send me my notification of right to dispute. When calling WAYRESGRP they don't not handle disputes directly they send the customer to XXXX XXXX  fraud department. XXXXXXXX XXXX is not the company that is negatively effecting my credit. I have a right to dispute with the party that is reporting to the credit file. This is another violation of my rights as a consumer. This account must be removed as my identity was not verified when they opened the account, and the have violated my rights as a consumer.
Consumer complaint received 2018-05-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Navient Loans. 
I am outraged. My sons student loans are due. He spent 2 years at XXXX  at a very high rate which you know has went bankrupt and ( we singed for a parent loans ) it appears we can't get forgiveness for, since he left when he had received an XXXX XXXX then left. Then when things piled to Navient I spoke with them multiple times. They suggested to consolidate our parent loans, which we did. I also applied for debt driven repayment since they suggested it may lower my payments to near {$100.00} per month since I work & my wife is XXXXon SSI, total income around {$50000.00}. Taking their suggestion I applied for the income driven option. They let it sit for a near 2 months. I finally had to call, once I got through They found they had theapplication and nothing had been done with it for quite some time.

In the interum we were informed that his student private loans would be absorbed by Navient I was informed it would be reviewed and I would here back within 48 hours. I did here back within the time limit. When my son logged into make a payment. He found our payment had went from near {$340.00} to a full {$500.00} a month and his secondary student private loan from {$140.00} to {$200.00}. A large difference between what I was led to believe. I further looked and the first {$500.00} payment in total was applied towards the interest, not a dime to the principal. Even though Navient assumed my Son 's private student loan wihtin my account they could answer no questions as to why this payment went up even though I could completely see the charges and payments within Navient 's site.

Concerning my sons private school loans magically after being forced into Navient his payments went form app {$140.00} a month with {$76.00} dollars going to the principal, to the second month {$46.00} going to the principal to his latest payment {$26.00} going to the principal. 
Navient has no idea why, even though they took over the loan. As far as XXXX everyone hwo attended it appears was taken advantage of and thus everyone involved should be able to get some kind of relief. Any help you can provide is appriceated and our Senators should be taking the lead in helping our kids and our budgets. Ths loan system should " NOT BE '' a for profit system.
Consumer complaint received 2021-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (AZ)

I applied for forebarance in XX/XX/XXXX after losing my job XX/XX/XXXX. I asked the rep at the time if this would negatively impact my credit. I was told repeatedly, No. As of today, Dovenmuelhe is reporting my account 30+ days past due since XXXX. 

They gave me an email address to send proof. The email came back as undeliverable when I sent the proof. 

I've called more times than I can count, I've asked to speak with a supervisor and each time I'm told there is no supervisor avaiable, and they will have a supervisor call me back. I've NEVER received any call back. They use that as a way to get you off the phone and mislead you to think someone is going to call you back. It's just a ploy. 
I am back working again, at age XXXX, and I can not spend hours and hours on the phone with no results.
Consumer complaint received 2023-03-28
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. (LA)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MoneyLion Inc. (AR)

Please provide a 1099 if the account has been charged off and all statements with my full name XXXX XXXX XXXX XXXX and address that is on my drivers license and birth certificate, if you can not provide this please delete from my credit report.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RICHLAND HOLDINGS, INC. (NV)

I have tried many things to get this resolved. I have also submitted a compliant to the States Attorney 's office. There is an account reporting with XXXX XXXX XXXX XXXX that shows a balance but it also shows the account was sent to XXXX XXXX XXXX XXXX N yet XXXX XXXX indicate they still have the account but this company too is showing the account. I am at wits end and feel like I am getting the run around from every end. Please I need your help.
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JMD,LLC (CA)

XXXX XXXX XXXX ( XXXX ) is collecting for a medical bill that I informed them that I already paid it. We had/still have medical insurance. I paid the remainder balance that my insurance did not pay ( my portion ) and I should not owe any thing else. Telling them this constituted a dispute. They did not provide me with any documentation that I actually owe it and just reported it on my credit report. It's {$94.00}. So my 40 year near perfect credit history is now ruined over this? I think the last 40 years shows if I owed it and knew it I would pay it. Then XXXX puts it on my credit after knowing that I disputed the charge. This is wrong. Give me a statement or some documentation to show I owe it and give me an opportunity to pay the alleged debt if in fact I do owe it. I don't believe I do and there should have been some effort to validate this.
Consumer complaint received 2023-03-28
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. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

On Sunday, XX/XX/XXXX I received an email from Wells Fargo informing that my mortgage payment would go from {$2200.00} to {$3300.00} due to a shortage on my escrow account. I reached out to the bank asking why this was happening. I was told that it was due to historical numbers being used to analyze my escrow account. My escrow payment more than doubled and Wells Fargo sent this to me without doing any sort of investigation or analysis. Why would something like this make it out the door to a customer? Wells Fargo insists that my escrow account is short over {$4000.00} after they made adjustments to actual amount due for property taxes. I asked for the bank to analyze and tell me why this was so and why only a balance of $ 4000+ was added to my initial escrow account after my refinance closing disclosure reflects that over $ 10,000+ was included in closing costs for property taxes and insurance. Wells Fargo is unable to tell me where over $ 6,200+ included on my closing statement went as it was never credited to my escrow account and there is no explanation as to what happened to that amount which was added to my mortgage at closing. 

I would like Wells Fargo to do a complete analysis of my escrow account and explain where the $ 6200+ dollars went and why only $ 4200+ was credited to my account after closing which is contributing to the shortage on my account. Resolution of this issue escapes Wells Fargo which is unfortunate because my mortgage is there and after several times of asking the bank to cancel this escrow account so I will make my own payments I was told no on several occasions. Once I was told that I can not have the escrow account closed because I was not making payments on time which was untrue, in addition, I was told because I have private mortgage insurance on my property I can not have the escrow account removed. 

I need assistant to have this issue resolved because I cant seem to get anyone to care enough to resolve this issue or even figure out why I prepaid funds at closing which is unaccounted for and never credited to my escrow account. 

Thanks. 
XXXX XXXX