davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
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: EQUIFAX, INC. (IN)

( All documents, proof and/or evidence attached ) attached : return receipts, validation letters to XXXX and XXXX XXXX, certified return receipt mail sent to Equifax, XXXX  and XXXX. 
The following account/accounts that fall under have failed to be validated. I have sent the creditor ( XXXX XXXX XXXX XXXX letters of validation ) Neither has been able to validate the accounts that fall under Account # XXXX. 

-Sent XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX XXXX request for validation : sent XX/XX/XXXX -Sent XXXX XXXX Validation request dated : CERTIFIED MAIL AND SIGNED RETURN RECEIPTS ATTACHED 1st request for validation : sent XX/XX/XXXX 2nd request for validation : sent XX/XX/XXXX I requested a method of verfication from Equifax, XXXX and XXXX via certified mail/return receipt : ( Attached as rd.1 letters ) Equifax : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX XXXX : Signed for XX/XX/XXXX for the following accounts : 1. XXXX 2.  XXXX 3. XXXX 4.  XXXX 5. XXXX 6.  XXXX 7. XXXX 8.  XXXX 9. XXXX 10.  XXXX 11. XXXX 12.  XXXX 13. XXXXXXXX 14.  XXXX 15. XXXX -Per a previous dispute with the credit bureaus they stated that the creditor XXXX has validated these accounts.
Consumer complaint received 2019-04-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I did get a message from XXXX XXXX in my voice mail on XX/XX/2019 she says she appreciates all the additional data she got from me on my last long message i sent through on Wells Fargo site and she is going to forward the additional i sent through. 
I told her i went through a lawyer and nothing happened. I told her through lawyer i sent 33 pages the first time, later bank statements, IRS statement ( got no return money. 
The big thing was that XXXX XXXX said nothing could be done as i did not pay the {$1000.00} for 2 months? if i had did that they would have considered a lower payment. He said that is why nothing happened. My lawyer told me not do do that as i did not have the money. 
I was working hard to pay on lights, gas, medicine as i am XXXX. 
I have begged every week or 2 for them to let me start paying ASAP, I have always paid my bills just ran out of money in savings. Still owe over {$10000.00} in credit card debt.I pay min plus om both cards every month.
Consumer complaint received 2020-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC (CT)

The company in question is known as ERC located at XXXX XXXX XXXX in XXXX Florida, XXXX. On XX/XX/2020 their office called my home phone ( XXXX ) XXXX. On the third occasion, I answered and they asked for a XXXX who does not nor has ever lived at my home in the 3 years I have had the phone number. I informed the caller that they had the wrong number and that XXXX never has, nor did I know the person they were calling for. On XX/XX/XXXX, I received several more calls and called ERC to speak to a supervisor. I informed them that they had the wrong number again and that I was to be removed from their call list immediately. I was assured that they were going to escalate the request and it would be done within 24 hours. Today, the company once again called my home and I have had enough.
Consumer complaint received 2023-07-13
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: NAVY FEDERAL CREDIT UNION (NY)

I don't not have a navy Federal credit union credit card. It's showing up on my credit report as a authorized user. I don't know who the primary cardholder or how they got my information to Even add me to thier account... Please remove me asap.
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my better effort to clear up the matter with the dealership XXXX XXXX XXXX and finance person involved XXXX XXXX XXXX XXXX XXXX stuck me to XXXX XXXX based on fraudulent terms and told me that the only way that I would be financed was if I purchased their exorbitant gap insurance. Commuting out right fraud they would not let. Me open a checking account at thier own bank which made zero sense to me Even after I made several complaints and went into the branch myself to clear up the matter insistence theres no place for me to have a checking account. I told him I simply didnt have the time or the money to wire it to them every time and it made paying my car bill extremely difficult since I couldnt get an app with new checking account or any account numbers from now on how to pay it I spent hours on hours on the phone and felt like I was forced into financial distress with them in order to create some sort of scam the phone with insurance. Which brings us to today and the incredibly horrific time Ive had blocking information on all three credit companies which puts them in violation of FCRA rules when it comes to fraud I am also entitled to damages if you can show that the CRA or other entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), and attorneys ' fees and costs. ( 15 U.S.C. 1681o ).
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

Credit card rejected because of Experian report Request experian report. Requests ID with link to upload page. 

Upload page does not specify any requirements upfront about images. 

Only after uploading XXXX, learn it not accepted. Only XXXX or PDF. 

Upload XXXX, learn of total 15mb file size requirement across all uploaded docs ( 2 uploaded ) I upload a compressed XXXX. Learn for first time only accepts black and white XXXX. 

I convert images to black and white. Still rejected. 

Unreal.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (WA)

Received an email at the beginning of XXXX stating that if I pay the amount due of {$110.00} by XX/XX/XXXX that I would receive a {$75.00} statement credit. I paid the amount ( plus {$10.00} extra ) by the XXXX of XXXX and it was split in to XXXX payments. I called today, XX/XX/, asking about the credit. At first she said that I didnt qualify because it had to be XXXX payment and not split in to XXXX. I told her the email never specified that and it just said to pay {$110.00} by XX/XX/XXXX. She looked in to it and came back and said that I actually didnt qualify because I made the final payment on XX/XX/XXXX, but it didnt post that day. I told her I have a statement that proves otherwise. She told me that theres no way my statement says that because its not true. She told me I didnt qualify and theres nothing she can do about it. I do qualify because I made the payment as required and it was posted in time. This is fraudulent practices.
Consumer complaint received 2019-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Dear CFPB representative Hope this email finds you well. I am having an issue with Navient private student loans. I have being making double the minimum payment and instruct Navient during everypayment that overpayment be allocated to principal. Navient does not allocate the additional payment, but continues to charge it towards interest. I called email navient in reference to this practices and they replied but stated that I should allocate extrapayments as directed which I do. I never being delinquent. I spoke with a representative on XX/XX/2019 her name is XXXX   ID # XXXX for 45 minutes in which the whole time she tried to change and denied improper payment allocation. She stated " Interest capitalization must be paid first until it zeros out interest than overpayment goes to principal, '' I challeged her on this because another loan does not have a zero out interest and the payments go to principal, which she replied that it did, only to retract that comment and say that its not zero out but that change of terms of the loans change daily. I have health issues, I am working seven days a week to pay my loans, and this is affecting me physically and mentally.
Consumer complaint received 2019-04-15
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. (MS)

I disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XXXX of XXXX. So I contacted the bureaus and they stated the charge of was I XXXX of XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.
Consumer complaint received 2019-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XXXX of XXXX. So I contacted the bureaus and they stated the charge of was I XXXX of XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP, LLC (AZ)

Global Cash Card XX/XX/2018ATM Transaction ( Domestic ) Fee AMOUNT {$1.00} XX/XX/2018 XXXX XXXX ( XXXX XXXX XXXX ( A S AMOUNT {$180.00} XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AMOUNT {$1.00} XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$1400.00} This was all reported on the same day as the fradulent purchases They investigated and determined that  their was no error And no credit would be issued
Consumer complaint received 2020-02-07
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. (NC)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019 I filed a claim with Bank of America for unauthorized use of my ATM Debit Card. 4 charges from XXXX XXXX totally {$3300.00}. The 1st charge was for {$850.00} on XX/XX/2019. The other 3 charges were on XX/XX/2019 in the amounts of {$850.00}, {$840.00}, {$840.00}. I called Bank of America back on XX/XX/2019 and was told my claim to be reimbursed was denied because I " checked my online account '' throughout the period of the fraud and did not report it in a timely manner. I was advised by the Bank of America employee to write a letter disputing the denial and fax it to XXXX ( Debit Card Operations ). I faxed the letter on XX/XX/2019 and called Bank of America back on XX/XX/2019 to confirm it was received. I was told yes, it was received and it could take up to 60 days for a " final decision ''. I called Bank of America today, XX/XX/2019 to get an update and to find out any further information and the Bank of America employee, XXXX, was only able to tell me my claim had been assigned to a specific individual in the Fraud Dept but she was not allowed to give me any names. 

I have also called XXXX XXXX and they assured me my wireless account was not used to purchase the phones paid for with my business debit card. 

The Claim # is XXXX.
Consumer complaint received 2020-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (WA)

CMR a financial services was aware that I was a state XXXX member and even though they knew this information they still kept on calling me trying to get me to pay for service which was I was covered under XXXX XXXX member services and they were still calling me. A XXXX XXXX XXXX member actually file the complaint on them as well regarding this issue because it is illegal to try to contact me regarding the issue as they need to contact XXXX & not myself. I just been over a year and I have still been fighting or this issue to be resolved
Consumer complaint received 2019-04-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

there was a unauthorized deposit made to my account of {$2200.00} on XX/XX/2019 there were 5 checks deposited to my account for a company that i do not know. i am making a complaint because this is not the first time wells fargo does this the erases any transactions of deposits or withdrawals like it never happened. i wanted the money removed from my account but wells fargo denied the request.
Consumer complaint received 2020-01-28
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 — Investigation took more than 30 days
Company: NRA Group, LLC (PA)

National recovery continues to furnish information on credit file. According to [ 15 U.S.C. 1681b ] creditor furnish information on credit report which debt is  satisfied. Requesting removal of tradeline.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-15
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.
Consumer complaint received 2019-04-15
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.
Consumer complaint received 2019-04-15
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)

I had a charged off account ( personal loan ) with XXXX XXXX, I settled it in full with the collection agency XX/XX/XXXX. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XX/XX/XXXX XXXX XXXX bank has once again reported this account to the credit bureaus as a negative, unpaid account with a balance XXXX owed. Why are the continuously reporting a closed paid account every month?
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a charged off account ( personal loan ) with XXXX XXXX, I settled it in full with the collection agency XX/XX/2019. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XXXX XXXX XXXX bank has once again reported this account to the credit bureaus as a negative, unpaid account with a balance e owed. Why are the continuously reporting a closed paid account every month?
Consumer complaint received 2019-04-15
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. (TX)

XXXX keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Equifax mort
Consumer complaint received 2019-04-15
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. (TX)

transunon keeps adding fraud alert asked them to keep. it off inquires that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had a charged off account ( personal loan ) with XXXX  XXXX, I settled it in full with the collection agency XX/XX/2019. Every since then each month they are still inaccurately reporting this account to the credit bureaus. I first attempted to dispute with the credit bureaus and sent a paid letter from XXXX XXXX, the collection agency XXXX XXXX sent me to, but the credit bureau would not accept because the collection agency is not the company reporting it. I called XXXX XXXX and spoke with XXXX XXXX and explained they were not accurately reporting the account as paid and I need something from them, so he sent me a paid in full letter from them directly. I sent it to my mortgage company and they submitted it to the credit bureaus on my behalf to have updated correctly, at that time the bureaus did update it. Now today XX/XX/2019 XXXX XXXX XXXX has once again reported this account to the credit bureaus as a negative, unpaid account with a balance e owed. Why are the continuously reporting a closed paid account every month?