davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

Pioneer credit was supposed to rehabilitate my loan last year in 2020. They instead tell me by phone to keep making payments. When I request information in writing they don't respond at all. I spoke today to XXXX and she said my file is in review. She said they don TV send letters. How is that legal?
Consumer complaint received 2019-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP (TX)

Today on XXXX XXXX the company called security finance in XXXX XXXX tx. Has called my sister and will not stop calling her I already explained to them that I was enrolled in a program with XXXX XXXX XXXX  and they will take care of the money due. But XXXX from security finance will not stop calling and harassing my family and I including my employer.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX Credit Card XX/XX/year> - I did not approve this inquiry. I never recieved the card. 

Barclays Bank XX/XX/year> - I did not approve this inquiry and the XXXX sales person submitted it without my consent.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bastion Consumer Funding I, LLC (TX)

Company : XXXX XXXX, XXXX XXXX lender : BASTION Funding Company keeps reporting an account that has been paid off. They did not send me any proof that account belongs to me and that is valid.
Consumer complaint received 2019-03-26
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

I have received multiple phone calls from companies claiming to be representing loans serviced by XXXX XXXX. I did originally take out student loans from XXXX XXXX, but they were paid in full many years ago when I consolidated my loans, and those consolidated loans are also paid in full. In addition, XXXX XXXX hadn't serviced my loans for years when they were paid. These calls appear to me to be a scam so I have refused to answer any questions when they call. They always want me to tell them my birthdate which I refuse to do. The most recent call was supposedly from someone named XXXX XXXX at Radius Global Solutions, apparently located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX KS, XXXX. I really want these calls to stop as it is concerning to me that these people have some information about me, but not correct information and are looking for more.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

I posted on XXXX XXXX  to sell a couch for {$1200.00} in XXXX, a prospective buyer XXXX XXXX contacted me and arranged the date for pickup. Then her financier XXXX XXXX ( XXXX ) sent me a check for {$1700.00} on XX/XX/2024, XXXX $ over than what I was asking and said the difference XXXX $ was for the movers and asked me to give the movers the payment on the day of the pickup. The morning of the pickup day, XXXX said the movers won't come unless they're paid, so I sent {$570.00} through XXXX to a person named XXXX XXXX ( XXXX ) on XX/XX/2024. Then later that day, out of nowhere XXXX said she decided not to buy the couch and would like a refund and asked me to keep {$150.00} for all the troubles. I tried to send back the money, first I tried with XXXX different paypal accounts and none of the payments went through. The XXXX accounts I tried to send payments are XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). Then she gave me an another XXXX account to send money to and that time it worked. So I sent {$1000.00} to XXXX XXXX ( XXXX ) through XXXX on XX/XX/2024. I finally felt relieved to not to be dealing with her after sending this money because she was getting aggressive through all the texts. 

Before I go on I wan na point out that I have called my bank to make sure the initial check for {$1700.00} is cleared. I didn't want to take any risk and my bank reassured me that there was nothing wrong with the check and I can go ahead and send her the money back. I have a proof of my call made to the bank on on XX/XX/2024 1 day before I sent {$1000.00} through XXXX. XXXX week after, on XX/XX/2024, I got a notification that the initial check she sent me has been returned and been deducted from my account. The reason was stated as forgery. After this I have made many attempts to resolve this issue with my bank and I wasn't lucky at all. The first day I called Wells Fargo, I was on hold for a total XXXX hours and was disconnected 6 times by them. I have started XXXX different claims and none of it was successful. The online fraud department didn't even ask for any evidence and yet dismissed my case because they didn't have enough evidence to support my claim. There are XXXX different names and contact info involved in this scam and somehow wells fargo failed to do an investigation and find the guilty. I don't know how many more people have been scammed by this group I can only assume there are hundreds if not thousands more. I reported the user on XXXX but I wasn't unable to send her any message, my guess is she has already blocked me and moved on to her next victim. I documented all of our conversation and payments I received and sent and my phone calls I made to my bank in case you need them.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Performance Management, LLC (CA)

There is a collection on my credit report from receivable performance for {$2800.00}. I do not owe them any money whatsoever I never did business with them. Also there is an open account in good standing on my XXXX credit report XXXX XXXX XXXX XXXX I dont know what that is or how it got there! Also I see a bunch of inquiries that should not be on my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is the last one. Now Im disabled and I have a XXXX XXXX  XXXX so if they have some kind of proof that I could have did this stuff then it can stay but I am pretty sure I did not. Can you help me please
Consumer complaint received 2021-12-06
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. (IN)

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 2021-02-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I'm running into issues that appear to be blatant credit discrimination. I am a student with several student loans open, however at this time none of them are in default and have not been in years. I owe around {$2500.00} max in personal debt and medical bills. And the credit bereaus have my credit aged at being a little over a year old, however have debts piling against me for years that extend way beyond that. And they don't mind pending that debt against me, but won't factor the debt into my credit age. XXXX?? And I was on track and doing well prior to COVID when I was furloughed from my job and missed a few payments as a result. Well my credit score has dropped approximately 30 points in the last year as a result of the pandemic. And the only explanation I keep receiving is my loans which were in default a few years ago, that I have paid my dues on through going through administrative wage garnishment and counseling is still tanking your score. Not to mention, that I've worked hard sending in extra payments to my auto financing company to try to stay ahead and to no avail they keep reporting me as being behind which dropped my score another 19 points. Needless to say I inquired about buying a house and all of a sudden everything that is missed even if it's only been a few days drastically drops my credit score, however when I make other payments on time it doesn't bring my score up any maybe by 3 points. If missing payments drops my score by 19 points, how come when I pay on time there's little change to increase my score??
Consumer complaint received 2022-07-22
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. (GA)

In Accordance with the Fair Credit Reporting Act .... XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acc # XXXX Has violated my rights. 15 U.S.C 1681 Section 602A : States I have the right to Privacy. 15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions.
Consumer complaint received 2021-02-12
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: EQUIFAX, INC. (PA)

Equifax deleted my current Student Loan causing my credit score to drop over 50pts. My account is current and up to date. My loan servicer which is XXXX XXXX is reporting to them monthly. My student loan shows on my XXXX acct and my XXXX account but not on Equifax. I faxed in my ID, tax documents, the loan agreement and documentation that was sent to me by XXXX XXXX on XX/XX/2021. They have stated that they may have split my account in 2 causing the error and that they do not show my paperwork that I've sent in. I verified that fax number several times with them and received feedback that the fax was submitted successfully.
Consumer complaint received 2018-12-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Plus Inc (NE)

A Credit Agency known as ( CREDIT PLUS ) called me on XX/XX/2018 and acted as if they were a Federal Bank using what I call a scam telling me I have money in my escrow I can have paid back to me when in reality without telling me they were trying to get me to change my mortgage, consolidate, and were very aggressive over the phone refusing to listen to me. I did not want any part of it, yet the individual on the phone was very rude and after hanging up he called me back started to call me names. 

Since, I have had at least two credit checks by this company without approving them to look at my credit score or wanting to borrow money from them. They tried to get my credit card number and other personnel information. 

The following is the information I have on them : CREDIT PLUS Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX State MD Zip XXXX They claimed to be working with the XXXX XXXX XXXX.
Consumer complaint received 2022-07-22
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: WELLS FARGO & COMPANY (CA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

NOT A DUPLICATE Amerisave incorrectly established the opening mortgage balance on my loan and, in addition, has not accurately posted a payment to my mortgage balance. 

On XX/XX/2020, my wife and I settled a mortgage with Amerisave. The settlement included a payoff to the outstanding mortgage of {$330000.00} and other charges/impounds/fees of {$18000.00} for a total amount borrowed of {$350000.00}. ( See Settlement Statement.pdf ).

Amerisave established the mortgage on their online serving website with an opening balance of {$350000.00} and a opening interest payment of {$260.00} for a total opening amount of {$350000.00}. ( see Loan History.pdf ) The online amount includes an additional {$31.00} ( {>= $1,000,000} - {$350000.00} = {$31.00} ) that was not included in the Settlement Statement. ( See Mortgage Reconcilliation.xls - Part 1 ).

In addition, Amerisave did not correctly apply my payment of {$3000.00} ( Check # XXXX ) in relation to my XX/XX/2020 mortgage payment. 

Amerisave claims that this payment was included prior to the establishment of the balances on their mortgage servicing website ( see Draft DMI.doc ). The reconciliation detailed above shows that the loan amount from the Settlement Statement equals the opening balance on their mortgage servicing website ( except for an unreconciled {$31.00} ). Therefore, Amerisave did not correctly apply the amounts from my Check # XXXX - or the opening balance would reflect this reduction in principal. Since the opening balance does not reflect this payment but rather the opening balance ties back to the original Settlement Statement, the Amerisave records demonstrate the payment was not applied.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AR)

Cfpb, I am wrongfully being threaten with mandatory State pre-foreclosure notices by my mortgage company Nationstar/ Mr.Cooper. My Loan is current and in good standing. I am not in default on my loan, and I am not in a active bankruptcy. Cfpb, Look at my XXXX and XXXX XXXX and XXXX Credit Reports. My bankruptcy was removed from my credit report in XXXX. Cfpb, Look at the Terms and Loan Type on these reports. Compare it to my XXXX Credit Report XXXX. Under my modified Home Affordable Modification Agreement. [ The terms ] of this Agreement and [ Loan Type ] has been changed on my XXXX Credit Report XXXX. They have been changed to the old terms before my modification. My Transaction Payment History has been Altered. Transaction number ( XXXX ) is my Loan Modification REF # XXXX, Effective date XX/XX/XXXX. Principal {$49000.00}. Escrow {$430.00}. Total Amount XXXX. This information is on my Mr.Cooper Detail Transaction History. Date is XX/XX/XXXX. On My Mr.Cooper Transaction History dated XXXX XXXX Transaction number ( XXXX ) has been Altered. Transaction ( XXXX ) now says Defer Interest. Transactions XXXX have been Altered.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character
Consumer complaint received 2018-05-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited XXXX loan check through XXXX XXXX Texas Bank of America atm for {$1000.00}. The check was put on hold and Im unable to access money. The day of XX/XX/XXXX. The hold states it will be released the day of XX/XX/XXXX. This is unacceptable as I have pending bills. I would like to submit complaint on this hold procedures for Bank of America and will be searching for another financial institution.
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Services Collections, Inc (TX)

I noticed on my credit report a derogatory mark. When i called the creditor i asked to dispute the debt because i never received a bill. On XX/XX/2020 XXXX from the creditors office stated that this is not a valid reason to dispute medical debt.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am disturbed that the company continues to list the dismissed ch XXXX cases on my credit file. The Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcies about dismissals and filings! 
The law clearly states from date of adjudication or date of order of relief. 

Any case, civil or DISMISSED, no longer exists in the eye of the law and a case filed that was never and has NEVER been actually adjudicated. Therefore you have no right to maintain information that the government has deemed legally nonexistent. 

Therefore pursuant to Section 1681 a ( 5 ) of the FCRA you must DELETE this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your answer within 14 calendar days.
Consumer complaint received 2022-11-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I sent a dispute with Experian about a collection on my report that was under request for validation from a debt collector ( XXXX XXXX ). Experian then proceeded to start an investigation with the debt collector. On XX/XX/XXXX Experian updated the dispute and stated that the debt collector verified the debt. However, this is not correct regarding the validation process. The debt collector failed to validate the debt by XX/XX/XXXX the validation deadline WITH a signed contract that states I am the bearer of the debt. Along with the California state license number to collect debts in the state that I requested. Along with the proof that they are the official owners of the debt. The debt collector sent a debt verification that contained details of the original creditor and my name and address. That is not enough information to prove validity. This debt is not mine and they have yet to provide adequate proof for it to be on my report. The Debt collector failed to provide all the information I am entitled to within the allotted 30-day window. As stated under the Fair Debt Collection Practices Act. ( FDCPA ). As such I would like Experian to take down the collection within 30 days if they can not provide time-stamped proof from the debt collector ( XXXX XXXX XXXX ) that I received a proper debt validation with my signature and their CA license number to collect debt in the state. This would also include paperwork on how much they paid for the debt. I would like all the documents that were provided to Experian in the investigation to see if they coincide with what the debt collector sent me.
Consumer complaint received 2022-03-01
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. (FL)

After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (MA)

Former customer of Simple bank being forced to transition to BBVA. Transition has been awful, limiting my ability to access my account or my funds. Multiple attempts to set up have met with errors and contacting support constantly leads to being hung up on. No response has been provided and I am unable to access any of my funds in any of my accounts. Seeing up my account resulted in a " fatal error '' and then when following BBVA 's advice to try to log in with my new details ( despite the error ), my account was locked for security reasons. No way to get in touch with BBVA to get account unlocked as support continues to hang up and can not hear me.