davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. I never gave them written consent to report them. This is aggrevated identity theft and against the law per 18 U.S. Code 1028A.
Consumer complaint received 2018-01-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have in the past try to lower my monthly payment with Navient and have been denied. I am not able to afford my monthly house bills, groceries, daycare costs, vehicle payments due to my monthly private student loan payment and it has yet again gone up. I printed out my tax interest statement today and if I calculate my monthly payments times 12 and subtract what I have paid in interest, only {$1000.00} has gone towards my principle which means i'll never be able to pay this debt off. Unfortunately even though I have paid {$14000.00} towards interest alone last year that when I complete my taxes they cap it at {$2500.00} which does not help our family of XXXX at all.
Consumer complaint received 2020-10-09
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)

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this  account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXXXXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I was going through my credit file I noticed XXXX XXXX from XX/XX/2018. I have no knowledge of this. I did not sign any paperwork with the company in question. This is fraud and done without my consent. I am taking action now by coming directly here to solve this problem.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (IL)

I bought a ticket from XXXX with my Arrival plus Barkclaycard on XX/XX/2017 traveling to XXXX XXXX XXXX XXXX, the ticket cost was about XXXX dollars. When I call Barclay to redeem my miles they are saying that my miles are no good because I was suppose to redeem them when my flight was completed ( meaning after 90 days only. ) How will I redeem the miles after 90 days if my flight was on XX/XX/3017? 
Now Barclay is not allowing me to use my rewards and they want me to receive a lower amount in money which reduces the value of my points. Previously they allowed me to use my points and now they are not. Barkclay is been disrespectful and is giving me a big problem. I feel that they are taking me for granted. I have been with them for about three years and have a great payment history. Previously I recommended them to several members of my family and friends however now I am in schock with the way they are behaving. I look forward to your response.
Consumer complaint received 2023-01-28
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 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 2021-02-06
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)

XX/XX/XXXX I began XXXX treatment. A few years later I became aware that my identity was stolen. Throughout my treatment Ive relapsed several instances yet attempted to dispute several fictitious accounts. Experian has made this especially difficult for me. They continue to deliberately update inaccurate information although Ive provided several Police Reports, billing statements and documents. For instance Recently in XX/XX/XXXX, my car lender XXXX inaccurately reported my payment 30 days past due. I provided copies of my account information and payment history along with the letter from my lender which granted a 30 day extension. Experian refuses to update the account history properly. Experian is also the only credit bureau of the 3 refusing to remove inaccurate public records. Experian, XXXX and XXXXXXXX all verify public records via XXXX XXXX and ironically XXXX and XXXX removed the false information while Experian is refusing.There is another account XXXX, they refuse removing which Ive also supplied proper documentation for. They removed the historical account information prior to XXXX which proves the first date of delinquency for the stolen vehicle was in XXXX. Following my little brother XXXX XXXX my brother, XXXX was admitted to a XXXX XXXX and The vehicle I co-signed for him was stolen. At the time we were not properly notified because someone changed my brothers address to an unknown place In Arkansas which is where the lender XXXX sent the mail. My mother later contacted XXXX and they emailed her a copy of the final letter after the vehicle was located. I was at this time seeking treatment in XXXX. I have communicated this to Experian, XXXX and XXXX and it seems that Experian wants to ensure the negative history damages my score and trustworthiness. Im convinced this company is discriminating against me.
Consumer complaint received 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

have a few hard Inquires on my credit report, that I don, t know about. 
XXXX 2 time, XXXX 2 times, XXXX. 

dont know if someone is using my info to get credit.
Consumer complaint received 2017-09-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ASG Solutions LLC (CA)

ASG is a collection agency and they contacted me for a debt from XXXX XXXX. I had already sent XXXX a letter to cease and desist. 
I received this call from XXXX XXXX of the collection agency. He was asking me questions really fast but would n't let me answer. As I was asking him to not call me again at work and that I had an attorney, he said what kind? I said a bankruptcy attorney. He then started accusing me of filing falsely for bankruptcy and paying my attorney with the funds. I could n't get a work back in. He then said, thanks for saying all of this on a recorded line and hung up.
Consumer complaint received 2018-06-06
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. (MI)

I have disputed the inaccurate account XXXX XXXX ( XXXX ) collecting for ( XXXX ) in the amount of {$1000.00} on three different occasions to all three credit bureaus. The credit bureaus are not properly investigating or taking my disputes seriously. I am entitled to a fair, accurate and substantiated credit report. This XXXX continuous reporting this account and has not provided the credit bureaus or myself any substantiated or verifiable information that this has ever been my account. This is not my account and has never been my account.
Consumer complaint received 2021-09-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with SANTANDER. Despite the multiple previous written requests, the SANTANDER still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (UT)

XX/XX/XXXX I applied and was authorized for my first American Express Platinum Delta SkyMiles Credit Card with rewards of XXXX bonus miles, XXXX Medallion Qualification Miles after spending {$3000.00} or more in purchases with the new card within 3 months and {$100.00} statement credit after making a Delta purchase with the card in the first 3 months. 
XX/XX/XXXX my total charges on the card equaled {$3600.00}. However, my first card was stolen in XXXX on XX/XX/XXXX and {$1000.00} of the total {$3600.00} was credited to a new replacement XXXX XXXX Platinum card with a different number. 
In XX/XX/XXXX and XX/XX/XXXX I made 4-5 calls to XXXX customer service and was told on more than one call by the representative ( in some cases after holding for a long time while the person spoke to the accounting department ) that I DID INDEED meet the required total charges on the card and I should be receiving the awards. On XX/XX/XXXX I was told it takes 3-4 weeks to correct this. It has now been 5 weeks and I still have not received any promised rewards nor have I received any communication from American Express about the situation.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/2021 I sent a letter to WELLS FARGO. requesting information on an alleged debt they are reporting and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2017-09-13
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. (FL)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via my son.
Consumer complaint received 2018-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NV)

Hunter Warfield has reported negative item on my credit which is unverifiable and false. I have sent over 5 letters to the credit bureaus demanding to see verifiable proof of the original Consumer Contract with my signature on it. Under the FCRA 609 section ( a ) ( 1 ) ( A ) unverified accounts must be removed if you are unable to provide a copy of verifiable proof the item must be removed. I never received any verifiable proof of the debt. It was opened on XX/XX/2016 from Hunter Warfield. XXXX   removed the negative item however XXXX and XXXX are still reporting this item, thus tarnishing my credit and barring me from home ownership. Please help attached is the letter of deletion from XXXX.
Consumer complaint received 2018-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

On XX/XX/2017, we received notice that our loan servicer, Ocwen Loan Servicing, LLC,  was increasing our monthly mortgage payments from {$2700.00} to {$3500.00}. Ocwen stated it was as a result of a shortage in escrow payments from the original loan company, XXXX XXXX XXXX, due to ( 1 ) not funding the escrow fully at the beginning of the loan by {$1400.00} and ( 2 ) mischarging the amount to be charged monthly. As a result of these two failures, over a 12 month period, the escrow was shorted by {$8700.00}. With this XX/XX/XXXX notification we were given 14 days to begin the new payment which changed from {$2700.00} to {$3500.00} ( over a 25 % increase ). 

After contacting Ocwen, they refused to spread this shortage over a period longer than 60 months. We had to force them to find alternative solutions. 

Ocwen decided to contact XXXX XXXX   XXXX and were able to receive the missing escrow amount from the loan origination of {$1400.00}. They refused to acknowledge that they misreported the necessary amount of money to be charged each month. After much contact, Ocwen refused to match their amount and provided only {$500.00}. 

Our arguments are as such : XXXX XXXX failed to properly charge us monthly and therefore created our year-long deficiency. It has been very difficult to financially plan for a 25 % increase. 
Ocwen failed to identify the same problem at their purchase of our loan and continued to have us pay a cost that was not enough to cover the escrow. Then, they expected us to pay this 25 % increase in the mortgage within a short period of time.
Consumer complaint received 2018-01-28
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)

My mortgage was transferred to XXXX XXXX XXXX XXXX on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Consumer complaint received 2018-06-06
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. (NY)

Today XX/XX/2018 i received a current copy of my XXXX credit report. They did a re-investigation for me on an account that had fraudulent charges on it. There re-investigation shows that this account is NOT reporting on my XXXX  credit report. It was deleted off the report as it should have been. However transunion and XXXX   are still reporting it. I attempted to dispute it again online with transunion but they will not allow me onto the website even with a confirmation number. I am submitting this complaint about XXXX  and transunion as if they had done a thourogh investigation they would have received the same response to delete this fraudulent account off my credit report. I also was recently denied credit from XXXX XXXX  due to this account that dont belong on my credit report. It had caused me to be denied a credit card from them.
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I applied for a credit card from Bank of America. This situation has happened to me by them once before, so I was more than a little miffed about it happening again. After applying for a credit card, they told me it was under consideration and it may take a few days before telling me of the approval status. As of today ( XX/XX/18 ), I  checked my accounts online through Bank of America, and saw that they opened a new account without giving me any notice at all, and took {$4000.00} of available credit from one of my other credit cards without notifying me, or asking me if I wanted to proceed with that. I did not have a decision at all in this. No call. No conversation. No asking to consider if I wanted to do that. They just did it. I did not apply for credit for them to take credit from one of my other cards. I applied for new credit to add to my existing credit. I have decent credit, and if they don't like it, they can just not approve a new account. This is extremely shady business practice, and can not be tolerated. Who else do they treat like this? And shame on them.
Consumer complaint received 2018-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

I have been locked out of my coinbase/XXXX account for 30 days. 
I was never given a reason why I was locked out and all methods provided to contact customer service are dead ends. 
I have roughly {$200.00} USD and approximately .8 ETH ( roughly {$960.00} USD ) locked in the account and have no way to access it. 
I attempted to resolve the issue with the online customer service form on XX/XX/XXXX and was never responded to. 
I attempted to resolve the issue with customer service over the phone on XX/XX/XXXX and was never able to reach a representative. 
I attempted again to contact customer service via email on XX/XX/XXXX and was never responded to.
Consumer complaint received 2018-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SC)

Loans serviced by Navient are now handled by XXXX XXXX XXXX. XXXX has aggressively attacked me at home, work, through neighbors and people I have not had contact with in over 10 yrs. It's impossible to navigate their system in order to provide fair servicing in order to get my loans out of default. My loans are now over {$110000.00} directly related to fees making my loans more than double to originating amount. I have a 4 yr  XXXX degree that is costing far more than my salary. I refuse to work with XXXX and would like to know what my options are. I understand this company has been sued in the past for unfair practices and I would like to join any current petitions or suits filed against them related to handling of student loans.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo at an alert so my neighbor on the reasons or for requesting a cashiers check I 'm not 100 % sure what exactly happened but they refuse to explain to me and only will keep my account open for 10 days they stated that it was fraud how was that bra when I requested it I 'm sorry it was a temporary check.I just need to set up a XXXX I was going to deposit the money wired to the bank closing they actually spoke with my fianc was on the account and stated that they will fly both our names there was no integrity courtesy collaboration no no anything to try to help us resolve this issue. they also still send us emails about the accounts at one point we thought it was open but it was n't so we never understood what we were still getting email it was 100 % discrimination against my fianc
Consumer complaint received 2018-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (VA)

I have received three letters from XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX, KS XXXX ) that claim I have a {$1400.00} debt from CashNet. I also have had several telephone calls from XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a letter to XXXX saying that I had no such debt and have never had any dealings with CashNet. 

On XX/XX/XXXX XXXX XXXX XXXX sent me a form letter that says they are enclosing copies of information I requested. I did not request information. The information XXXX sent is a CashNet loan form with my name on it ( incorrect telephone number ), allegedly signed on XX/XX/XXXX ( but with no physical signature ). The IP address that I allegedly signed from is in XXXX, AZ. I was not in XXXX, AZ on XX/XX/XXXX and have never had any contact with it. 

I have checked with the credit reporting companies and can confirm that there is no such debt on any of my credit reports.