davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

XXXX has removed three of the items that are being reported as 'closed ' collection items. They are from XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-04-03
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. (CT)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists These are the accounts I'm referring to XXXX XXXX account closed XX/XX/XXXX. XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX  account closed XX/XX/XXXX XXXX XXXX XXXX XXXX account closed XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

American Account Advisors has violated my consumer rights and has committed mail fraud and identity define, pursuant to 18USC 1341 and 15USC1681q ( 3 ). American Account Advisors isn't a creditor doesn't fall under a creditor per 1692a ( 4 ) .It is a fact that American Accounts Advisors is a collection agency and not a creditor, therefore they can ' extend credit to me, nor validate creditor foe me, as I'm the natural and original creditor. Meaning I owe American Account Advisors nothing and they don't have any right to demand payment from me. 

They proceed to violate my consumer right six times by listing six different accounts on my profile and sharing them with the reporting agencies XXXX, XXXX, and XXXX. They shared my personal identifying information with the agencies listed above to tarnish my repuation. This is fraud as I'm the natural person XXXX XXXX the consumer and original creditor of my social security number. 

They're acting as a creditor and consumer by using my ( XXXX XXXX ) identifying information and sharing it with the agencies listed above, and validating debt as if they're in fact XXXX XXXX. 

I will pursue criminal and civil charges on a federal level and local in the state of Minnesota, if this issue isn't solved. Their actions weren't legal.
Consumer complaint received 2019-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CADENCE BANCORPORATION (GA)

I have had this mortgage for almost 8 years now, previously with State Bank. 
State Bank was bought out by Cadence Bank and my mortgage now keeps changing. I went from a 3.75 % interest rate and it has adjusted several times, most recently all the way up now to 6.375 %. 
When I called the bank they said it was based on Wall Street, however interest rates are lower than they've been so while the rest of the nation is seeing rates drops, my mortgage keeps raising my interest. My payment for almost 8 years was $ XXXX {$2800.00}. I just got my most recent statement and it spiked all the way up to {$5600.00}. This does NOT include insurance and taxes which is another {$2000.00} month for me. I'm not able to pay this much and don't know why my mortgage jumped so high! When I called they said it was because it was interest only and now principal is being applied, but I never had an interest only loan. I had always had principal and interest with my original loan. I don't know why or how it is legal for Cadence Bank to make these changes that are detrimental to my home. I can not afford this mortgage based on what they have done and I'm afraid I will loose my home if this doesn't get resolved asap!
Consumer complaint received 2018-08-07
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)

terrible company with horrible customer service. Navient does not try to help you whatsoever. After my rate reduction program was over I went to check what my payment for the month of XXXX would be hoping I could afford it, when I checked it said {$0.00} due, this was just a few days before the payment was due ( XX/XX/18 ) Then I noticed over {$450.00} was taken out of my account automatically. I was also told before, by customer service, that automatic payments would stop once the program ended- clearly not true. Now I no longer qualify for the program for some unknown reasons. Their other options are limited and would not benefit me at all. They also do not provide reasons as to why you no longer qualify for certain repayment programs. Interest rates are at a ridiculous 10 %. Everything about this company is corrupt. I never even signed up through navient, never got notifications that they were taking over my Sallie Mae loan. I always mentioned to navient that this also is not the only company I have student loans with, so on top of this loan I also have to nearly {$400.00} to the other providers. I can not afford to pay {$1000.00} a month.
Consumer complaint received 2023-01-13
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. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: South Carolina Student Loan Corp (SC)

I completed my MEd in 2015. Upon graduating, I consolidated all of my loans during my grace period. However, when I filed my taxes, my entire refund ( over {$8400.00} ) was offset for defaulted student loans. When I consolidated my loans, several loans were omitted from the consolidation. No one has ever given me a straight answer on why all of the loans were not consolidated as I requested ( as there is no such thing as a partial consolidation that I am aware of ). Since then, I have re-consolidated and have been repaying on time. My servicers at the time were XXXX and SC Student loan. The SC Student loans were the ones that were not included in the consolidation.
Consumer complaint received 2023-01-13
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$720.00} XXXX XXXX Balance : {$200.00}
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-01-13
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. (NV)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX  Balance : {$29.00} XXXX XXXX XXXX  XXXX Balance : {$12000.00}
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XX/XX/XXXX ( 11 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-01-13
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. (GA)

Hi, I am a natural living person. ( Please see attach court document ) The credit bureaus have been reporting false, inaccurate credit reporting dollar amount on my account. The two XXXX XXXX accounts listed below are court agreed amount. The credit bureaus amounts are in accurate and false reporting monthly on my credit report account I have reach out to them to get this changed and it still not changed. Account name : XXXX  XXXX Credit Card # Account Number XXXX XXXX this has violated my rights false dollar amount of {$2800.00} this is different from the court agreed judgement.. Account name : XXXX XXXXXXXX Credit Card # Account Number XXXX XXXX this has violated my rights false inaccurate dollar of {$3800.00} this is different from the court agreed judgement. Account name : XXXX XXXX XXXX # Account Number XXXX XXXX has violated my rights false dollar amount of {$5700.00} sitting on my credit with no proof its mine, I have called, send mail and its still no proof this account it mine and they wont remove from my account. They work with these companies to put false inaccurate information on credit report even if there is no proof.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (NJ)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CARCO Group, Inc. (FL)

There is a alias listed ( XXXX, XXXX ) I have never gone by this name. This is my XXXXXXXX XXXX name, anything listed with this name is him and not me. I would like it removed.
Consumer complaint received 2023-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

Commencing on or about XX/XX/2023 through XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Kraken account to a fraudulent investment firm..
Consumer complaint received 2016-01-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern : I received an unsolicited request to modify my HELOC loan at Bank of America. I signed loan documents in XXXX 2015 effective XXXX 2015 and first payment date XXXX XXXX, 2015. My loan has still not been boarded on the BofA system which I understand is a CFPB and RESPA servicing violation. 
I 've been diligently working with BofA to get this corrected, but to no avail. I 'm told that the issue is that when I signed loan documents BofA 's system automatically generated the wrong date on the Clarity Commitment document. I 've asked for the corrected document and they refuse to send it stating it must be system generated and there is a glitch in the system. 
In the meantime, BofA instructed me to make and continue making the payment based on the new loan modification documents. Since their system does not recognize the new payments they continually send me late payment notices and continue to tell me to ignore them and make payment based on the signed loan docs. Now I have mortgage lates on my credit report and BofA is non-responsive. 

I 'm told that the situation is not unique and this situation effects many consumers. 

I 'm respectfully requesting your help.
Consumer complaint received 2022-12-02
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2022-01-11
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. (OH)

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant .617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is not accurate. The items that appear on my credit report as unknown addresses please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX There are phone numbers on my file that do not belong to me plead delete remove the following numbers : ( 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. 
pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) Pursuant. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] The information under dispute is derogatory in nature as well as not accurate. The items that appear on my credit report as : 1. US BANKRUPTCY : thisfiling has missing data and is not accurate please delete. 
2.XXXX XXXX XXXX XXXX  XXXX : This account is listed wrong and error please delete. 
3. XXXX XXXX XXXX XXXX  XXXX : THis account is not listed properly error please delete. 
4. XXXXXXXX XXXX : XXXX XXXX : This account was discharged and listed improperly please delete.
Consumer complaint received 2018-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I completed the income based repayment plan renewal and received an email confirming the repayment plan was approved on XX/XX/2018. I received an email for the change in terms on XX/XX/2018, stating that my new payment due is {$440.00} per month and that payment schedule replaces all previous schedules for this loan. All emails after XX/XX/2018 have stated payments have been accepted and that amount is my current due amount for the loan. I now have a balance due of {$580.00} due on XX/XX/2018. There was no notification of a change in the monthly payment. This amount includes no additional fees, only principle, and interest. This is the second time Navient has failed to notify me of changes in my monthly payment and sent me a bill for an incorrect value. I have contacted the company about this issue, they just fixed it last time. They need to be held responsible for sending incorrect changes, failing to notify borrowers their bill has changed, and changing the bill to an amount that is different than the agreed terms.
Consumer complaint received 2023-01-13
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)

I was in the process of applying for XXXX and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2017-07-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CT)

I have own my home for 19 years and I went thur the banking crisis in XX/XX/XXXXand I had trouble with Wells Fargo to give me a new mortgage. finally in XX/XX/XXXX I got a new mortgage thur making homes affordable. but my issue is why did it take so long for Wells Fargo to give me a new mortgage when I was ready back in XX/XX/XXXX. Now my beef with them is they took all of the arearage and legal fee and etc. They rolled it all in for me to pay. When I started I owed {$110000.00} and when the gave me the new mortgage it was up to {$220000.00}. Yes they did give some payback relief but I want to know why is it all on me for the arearage when all I could do was wait on them they took the 6 years. not me I was ready in XX/XX/XXXX. I want  to know if the guide lines for making home affordable is that the consumer has to carry all the burden of arearage when we really our hand are tied all we can do is wait for big business to tell us what we are going to pay. I contacted wells fargo and they told me that they did everything right. So I have been in this payment arrangement now since XX/XX/XXXX and still I have no answers. please what is the rules for this. THANK YOU