davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-02-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2023 I would like to file a complant against Wells Fargo Bank. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Tel : XXXX I have a checking and saving account number : XXXX XXXX XXXX and I am the principal. 
I have been trying to buy a CD for $ XXXX and they never took time to work with me, Did not call me as they promised, Cancelled two appointments, complained to Executive offce, talked to XXXX and no follow up or result. Waisting my money without earning interest.case number XXXX. 
Your cooperation will be greatly appreciated. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada (NV)

XX/XX/XXXX, an amount of {$330.00} appeared as a collection on my credit report. When I looked into it, it originated from XXXX  XXXX XXXX. I had moved out of the XXXX XXXX the previous year, XX/XX/XXXX. I had paid the pro-rated rent for that month plus my security deposit and left with a {$0.00} balance, according to their own records. 

Neither XXXX XXXX nor the Collection Service of Nevada sent any written communication to me prior to putting this amount on my credit. 

I did have an email and telephone communication with a representative of XXXX XXXX in XXXX and XXXX of XXXX, which I believed resolved the matter as again I was provided with a {$0.00} balance invoice. 

In fact, looking at the invoice and accounting for the rent paid for XXXX, it would seem XXXX XXXX owes me money.
Consumer complaint received 2017-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (DE)

My wife has received several calls about a mortgage i have with Wells Fargo bank, she is not on the loan yet they continue to call her number. I finally got the bank to stop calling her with a lot of effort on my part. Then a few month later i received an automated call ( representative verified this with me because i asked specifically ) on my cell phone on a Sunday afternoon to speak to me about my mortgage. I asked why? I never gave any permission to get calls on my cell. I got an explanation that they did n't show me on there records that I ever signing the paperwork they mailed regarding no calls on my phones after the incident with my wife.Then i got a bunch of excuses and apologies but no one giving me an answer. Then i notified the representative and their supervisor that I did not what to receive anymore calls at all on my cell phone or work number ever again! I was told that i have to sign a piece of paper in order for that to happen. I inquired further about that and they insisted I have to sign a paper in order to stop calls to my cell phone and work phone. Then i received a letter from the bank asking me to sign paperwork to that effect or calls will continue. It is my understanding that the law states i only have to give a verbal request for no calls to my cell or work line? Why is the bank not doing what I ask? I feel like i am being bullied and the bank can do what ever they want because they are so big and seem to get away with any thing. I am concerned about my mortgage getting mis handled.
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

From the Federal Student Loan Website at XXXX : XXXX " On XXXX XXXX, XXXX, the U.S. Department of Education ( ED ) extended the student loan payment pause through XX/XX/XXXX. 

The pause includes the following relief measures for eligible loans : - a suspension of loan payments - a 0 % interest rate - stopped collections on defaulted loans '' Today, XX/XX/XXXX, I received an electronic communication from Aidvantage - my federal student loan servicer. This letter is dated XX/XX/XXXX, and states as follows : " Beginning on XX/XX/XXXX, a new Auto Pay amount of {$350.00} will be debited from your designated bank account for the student loans listed below. '' A copy ( PDF ) of this letter is attached to this complaint. 

I would like to understand why Aidvantage appears unaware of the CARES Act extension directed by the US Department of Education on XX/XX/XXXX. The letter from Aidvantage appears to be in direct contradiction to the directive issued by the US Department of Education on XX/XX/XXXX.
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridge IT, Inc. (CA)

I have received eight communications over the last seven weeks from Brigit about a debt that is not mine. These communications occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. The messages stated > Your recent {$50.00} cash advance has not yet been repaid and is overdue. 

I have no business with this company, and have never taken out a loan with them. Additionally, the name in the " To '' field of these emails is not my name ( though the messages are being sent to my email address ). 

On XXXX, I received such a message about this alleged debt from XXXX. I sent a message to the company stating that this debt is not mine, and as such I require that they stop contacting me about it. They replied > We show an account under <my email address> with an outstanding balance. We keep sending emails until the balance is repaid. You can always block or mark us as spam on your email provider 's platform. 

On XXXX, they sent yet another message about this same alleged debt to my email account, from a different email account ( XXXX ).
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (CA)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2020-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX 09 XXXX XXXX 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust issued two lines of credit using my identity in the amount of {>= $1,000,000} and {>= $1,000,000} Forgery by XXXX XXXX XXXX The first line of credit of {>= $1,000,000} was issued by XXXX, XXXX, and XXXX XXXX from XXXX XXXX on XX/XX/XXXX The second line of credit of {>= $1,000,000} was issued by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX from XXXX of my son XXXX XXXX XXXX
Consumer complaint received 2017-11-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

For several years, XX/XX/XXXX-XX/XX/XXXX I was unable to make payments on my student loans and the company told me that my only option was a forbearance. That is how my XXXX loan became a XXXX dollar loan. Please help!
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (UT)

I was contacted by this company in XXXX about a debt that I didn't realize was still outstanding. I asked them to send me a statement which they did. I had made two monthly payments, one of {$20.00} and one of {$25.00} to them.The total bill at this point is {$100.00}. I forgot to send the payment in XXXX so on XX/XX/XXXX at XXXX we received a call about the payment. My husband let them know that I would be sending a payment online.I told them I would be making another {$20.00} payment and my husband was told they would not accept any payment under $ XXXX.The customer service rep continually hounded my husband to set up automatic payments. When he told them that we weren't interested in doing that customer service rep said that they would be reporting to credit bureau and it would affect our credit.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX, Account name : # XXXX with XXXX  XXXX, Account name : # XXXX with XXXX XXXX XXXX XXXX, Account name : # XXXX with XXXX XXXX, Account name : # XXXX with XXXX, and Account name : # XXXX with XXXX. However, they stated everything was complete and accurate. XXXXThis can not be possible when multiple pieces of information is incorrect, including the open date, date of last activity and status of account. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly, but have failed to do so.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-26
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. (AZ)

I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/2017, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/2017,  XXXX XXXX XXXX, {$3.00}, XX/XX/2017, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, XXXX Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, Experian, XXXX and XXXX XXXX Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

the information for XXXX XXXX shows a Charge Off and was not a charge off. 

I have provided a letter from XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX is an XXXX XXXX company
Consumer complaint received 2020-05-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

A voluntary surrender of my vehicle was completed with Capital One Auto Finance. After the vehicle was sold by Capital One AF, they did not contact me in writing or by phone with the balance owed. Instead, the balance / debt was sent directly to a collection agency, XXXX XXXX XXXX. See attached. 

Capital One Auto Finance did not send me written documentation showing the vehicle sale amount against the amount owed. Instead, a letter was received from XXXX stating a sum owed to them regarding the auto loan. 

Therefore, I do not know the sale amount of the vehicle to determine the validity of the alleged debt owed. I do not know the final balance owed to Capital One AF as they did not send anything in writing. I was not given the opportunity to settle the debt with Capital One Auto Finance before it was sent to a collection agency. This is unfair debt collection practices and the legality of not disclosing the vehicle sale amount is in question.
Consumer complaint received 2018-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (CA)

DEALERSHIP PUSHED US INTO A CAR LOAN CANT AFFORD AUTO DEALERSHIP FAILED TO DISCLOSE FINANCING AGREEMENTS AND INFORMATION ABOUT FINANCING LENDER COMPANY PRIOR TO SIGNING CONTRACT, THEY ADDED EXTRA UNWANTED WARRANTY STATING THE LENDER REQUIRED THE ADDED WARRANTY COVERAGE FOR LOAN APPROVAL, WAS FORCED INTO A CAR AND AGREEMENT UNDER DISTRESS NOT ALOUD TO LOOK OR SHOP FOR CHEAPER VEHICLES THAT WE COULD AFFORD EASIER & THEY OVER SHOPPED MY CREDIT REPORT SCORE SO BAD IT LOWERED MY SCORE FORCING ME WITH THE WORSE POSSIBLE LENDING COMPANY AND INTEREST RATE POSSIBLE WITH PAYMENTS I CANT AFFORD THE AUTO INSURANCE RATE AND MONTHLY LOAN PAYMENTS EACH MONTH.WHICH WE TOLD THEM PRIOR TO SIGNING. I'M A XXXX XXXX XXXX WAR VETERAN WITH SERVICE CONNECTED XXXX.THEY ALSO STATED THEY COULDN'T GET A LEASE LOAN AND CALLED ME BACK INTO SIGN A PURCHASE LOAN AFTER 10DAY REQUIRED PERIOD ALOUD BY LAW ADDING MY GIRLFRIEND WHO HAD WORSE CREDIT THAN MINE FOR LOAN APPROVAL THEY STATED Additional Information by Category Breach of Contract The contract was entered into on this date : XX/XX/2017 The contract was : Written, and I have a copy The approximate $ value of the contract is : $ XXXX The contract was breached on this date or over this time period : XX/XX/2017 XX/XX/2017 The approximate $ value that I stand to lose or have lost because of the breach of contract is : I don't know The likelihood that I will be able to collect money from the other party if I win is : Possible Consumer Credit My legal issue is with a : Bank or Credit Union Repossession Collection Agency Debt ( s ) - considering Bankruptcy Other : CAR DEALERSHIP UNLAWFUL TACTICS Consumer Protection and Fraud The entity that committed consumer fraud against me was : A business My consumer protection / fraud case involves : The sale of consumer goods The performance of services Other : OTHER OPTIONS NOT PROVIDED AND FRAUDULENT. DISTRESS CAUSING RESULTING IN HARM Repossessions Date the property was purchased : XX/XX/2017 Amount of money owed on the property : $ : XXXX I am the : Owner of property that is subject to repossession The property subject to repossession is : A vehicle Date of last payment on the property : No payments Collections The date or time period when the debt was incurred : XXXX The debt relates to these goods or services : EXTRA WARRANTY 'S ADDED, LOAN FINANCING, FORCED INTO A NEW CAR PURCHASE NOT VEHICLE OF CHOICE I am seeking to : Defend a collection action against me The following actions have been taken against the person who owes the debt : Request for payment I am : Other : XXXX XXXX XXXX WAR VETERAN The collections amount is $ : XXXX
Consumer complaint received 2017-11-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION (TX)

To confirm this is to/for XXXX XXXX XXXX Vehicle was totalled. XXXX made the last payment. XXXX was slow to pay. I was effected by a natural disaster. XXXX said they were slow to pay because there were not enough adjusters in Texas. The last payment was late because of XXXX. Please correct the last payment as on time, as it was made by a third party, and not under my control. Had I made the payment, there would have been an over payment. Please correct last payment to read as on time. Also XXXX  shows no late payments. Please correct.
Consumer complaint received 2021-09-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted portfolio recovery requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to Portfolio Recovery to validated the debt as the credit bureau, XXXX specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted XXXX XXXX the company they are collecting for they were not able to locate the account.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

the information for XXXX XXXX shows a Charge Off and was not a charge off. 

I have provided a letter from XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX is an XXXX XXXX company
Consumer complaint received 2021-07-06
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. (AZ)

Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account XXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.
Consumer complaint received 2017-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Earnest Inc. (MI)

During the application process, Earnest requires that applicants provide the username and password for their direct deposit bank account. I 'm concerned about the security implications of giving the username and password for my bank account to any business much less a business where I am simply applying for a possible loan. How can they require that information be given?
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I need the credit freeze to be removed from my file ASAP. I am about to buy a HOME and the bank can not access my credit profile. I have attached my ID and SS card to this complaint and address information. Please remove any and all blocks/freeze from my credit thank you
Consumer complaint received 2016-06-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (IL)

Applied for a harp refinance with loan depot. Was advised I could not refinance under harp because of a charge off for XXXX on another loan having nothing to do with the residence. After finding out there was no charge off I submitted paperwork to demonstrate that this was not true by means of a recent statement which i forwarded to them indicating I owed XXXX. I was told that anything over XXXX in deliquency does not qualify for XXXX approval. This is under XXXX but I am now being told that they have special overlays for me and will not approve loan. I am XXXX individual and believe this is discrimination. I was told that if it wasnt for this I would be approved.