davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (NJ)

with the announcement of potential student loan forgiveness, i decided to request a refund like many others to have my balance re-instated so i could then apply for forgiveness. I originally called on XX/XX/XXXX and put in the request for a refund of {$10000.00} and even provided new banking infor for direct deposit since the payments that were made during the forebarence were from an old checking account. 

Absolute silence and no updates provided so i decided to call back XX/XX/XXXX and spoke with an XXXX XXXX at XXXXXXXX XXXX and there was no record of my refund request and had to submit a new one... i then called back at XXXX that same day since i had forgotten to provide my updated banking info. 

it's now been 3 weeks since the second request and almost XXXX since the original which there is no record of ... and absolutely XXXX update to my balance.. i am now getting worried with the higher volume of requests being made and the application for forgiveness being released this month. 

i've tried calling numerous times for an update and it is literally impossible to get through on the phone aidvantage should not be allowed to operate as a company.
Consumer complaint received 2021-03-04
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. (AZ)

I have now disputed this with Experian and XXXX  and neither of them resolved this issue. 
XXXX has reported that 9 of my student loans were 90 and 120 days late on payments and my credit reports both reflect that. 
The reports show that on all 9 loans, I was 90 days late on payments in XX/XX/2016 and 120 days late on payments in XX/XX/2016. I have never made a late payment on these loans. 
In addition, each loan shows that I was current on my payments in XXXX of 2016, just one month before I allegedly became 90 days late on payments. None of the reports show a 30 or 60 day late payment, so how was I suddenly 90 days late on all of these loans? 
XXXX did not have an answer to this question either, yet my reports are still showing this. 
I have attached screenshots from my Experian credit report of the 9 loans and how it shows I was late in XXXX and XXXX of 2016.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

In XX/XX/XXXX I overdrew and account and all monies were paid back when I reopened the account in XX/XX/XXXX otherwise I would not have been able to reopen any checking or savings accounts. In XX/XX/XXXX they went into my account again adjusted it again for XXXX which was paid in XX/XX/XXXX. I disputed it and it was returned. My account was again offset in XXXX for XXXX. I filed a complaint with the federal reserve and all monies was returned again, As of XX/XX/XXXX the loss department headed by XXXX XXXX withdrew it again without notice. I explained that there are no monies owed or I could n't reopen the account he was crass and careless saying the money was owed without any evidence.
Consumer complaint received 2022-01-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

I sent a dispute/Debt validation letter to Experian Tuesday , XX/XX/XXXX, regarding a fraudulent account, I was not provided with a contract that ties me to the account or that proves the account is my debt. 
Status : Collection account. {$3300.00} past due as of XX/XX/XXXX. 
Comment Completed investigation of FCRA dispute - consumer disagrees. 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
I was never provided physical verification of the original signed consumer contract. In addition to that, I was not given the method of verification, who investigated the dispute Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

That's not what they are attending to do.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

I applied for refinance with my current lender Freedom mortgage. I left voice mails in XX/XX/2019 for refinance option without any response. I did another time, but still no response. I finally reach out again around XX/XX/XXXX, I finally got a nice gentleman helped me with refinance application. We submitted all documents almost immediately. A few days went by, I didn't hear anything. I reached out to the gentleman helped me, and was told we had a new loan processor. I emailed multiple time and left multiple voicemails to the new loan processor and had no reply at all. I called refinance department and was place on hold for 35 mins, I finally hung up. I called again on XX/XX/XXXX was and told we got a new loan processor, i left her a voicemail, and got no reply again. I called her again and had no answer. I called the customer service and was told to hold for refinance department. I was on hold for another 45 mins and no one answered. It's been a long and frustrating process with no response at all. I believe it's my legal right to request a copy of my appraisal report at least.
Consumer complaint received 2019-05-29
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. (FL)

Please reverse the late payments reported on the following accounts : XXXX/XXXX   XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-07-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

the following accounts appear on my credit report, without any authorization, do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

3. Identity ThefXXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-07-08
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: Experian Information Solutions Inc. (AZ)

On XX/XX/2018, my credit score with XXXX and Experian was XXXX, I am not sure what XXXX was, but it was running close. During that time period, XXXX XXXX offered me a credit card for a $ XXXX limit and I thought that would be a good card to have and I was approved. Shortly after I started getting calls for a mortgage loan which I was planning to do anyway because I have been working on buying a home for the past year. 

Maybe I misunderstood, but I was under the impression while looking for a mortgage loan it wouldn't affect my score. I guess I was wrong because my score is now down to XXXX and only went down after 3 attempts of talking to loan companies and giving them the right to check my credit. I have good credit and I have worked very hard getting it but it seems like all three credit bureaus refuse to allow me to keep it. There are inquiries I don't recognize as well and all are considered hard inquiries. I lost XXXX points for inquiries? Why? When I am trying to make my life easier and better, it makes no sense at all and I am very upset with this dictatorship of my personal life.
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 — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

Hello when I was XXXX I went to trade school and took out 2 Federal Loans through Navient in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX XXXX Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.
Consumer complaint received 2020-07-22
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. (TX)

This account is a payday loan masked as an installment. I borrowed {$3000.00} and have made payments totaling {$2300.00} and continue to make payments of {$110.00} every two weeks through a payment arrangement. They claim I still owe them {$4600.00}.
Consumer complaint received 2021-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Northstar Location Services, LLC (NV)

The last time I used my XXXX XXXX ( # XXXX ) for the amount of {$5000.00} was to pay for my son 's XXXX XXXX XXXX on XX/XX/XXXX which was paid in full over time. Since then I have not made any purchases over {$500.00}. 

I was surprised to see up to {$10000.00} used from my account which had a {$12000.00} credit limit on my card on around XX/XX/XXXX. I called XXXX and told them about the fraud. They said they will check and let me know. I made so many calls and they keep saying they will check into it No one from XXXX Bank called me to verify the large and suspicious transactions or ask for approval. They could see that the transactions are not my typical purchase activity. 

Within the same week the agent said they can't stop the funds being withdrawn. XXXX 's cancelled my card and issued a new card ( # XXXX ). I assumed that the issue was settled. My new card 's credit was reduced. When I spoke to a account manager, she said I am liable for the fraud and have to pay the whole amount. I did not receive any correspondence or calls from XXXX 's since this incident. They refused to communicate with me or my calls to them XXXX has cancelled/closed my credit account in XXXX, XXXX. 

I just received a letter from the collection agency for the amount due. XXXX waited 13 months for the statue of Limitations to expire before sending this letter and a week to respond. They have destroyed my credit rating. They also added interest of {$910.00}
Consumer complaint received 2022-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (UT)

In XXXX XXXX XXXX I was offered a forbearance plan by my loan service company, XXXX XXXX XXXX XXXX  I accepted the assistance with the understanding that at the end of the forbearance period, which was left open due to the Covid-19 Pandemic, I would simply be able to resume payments and that all payments that were skipped would simply be moved to the end of the loan contract. 

Soon after, only a few months, my loan servicing was taken over by Rushmore, the company mentioned above. This company allowed me to extend the forbearance until I requested by phone in XXXX of XXXX to allow me to resume payments. This request was refused and I was told that I would have to submit financial documentation in order to resume payments. 

I complied and finally on XX/XX/XXXX, received a letter from them denying my request to resume. This letter, dated XX/XX/XXXX, states that I have 14 days from that date to list my home for short sale in order to avoid forclosure. By phone, Rushmore 's customer service representative stated that my only alternative would be to make up all of the payments that this Forbearance plan allowed me to skip and then I could resume payments. This appears to me to be some sort of predatory lending scheme in order to take my home from me. 
My home is worth nearly double what is owed on it and I do not want to sell.

I have attached copies of Rushmore 's Determination Letter, My appeal to Rushmore, and my request for all documentation from the original loan up to this denial letter. I want them to send me copies of every document in their file on my loan including the original loan papers from the original lender, all loan transfers and everything that contains my signature or initials.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo : dispute for identity theft services I never signed up for. This dispute was settled in XX/XX/XXXX for  {$1200.00}. Case number XXXX. Have been told twice " the check is in the mail. '' I never received a check. 

Now I am being told that an outside vendor cuts the check and an email is in to them. I have no confidence in this process. 

I want my {$1200.00}. I'm being told that the party cutting the check is an outside party and Wells Fargo needs to rely upon the outside party to cut the check. I spoke to XXXX today, XX/XX/XXXX approx XXXX Arizona time, direct number XXXX. She is on the dispute resolution team. She said she would escalate this, but again, this is after my being told twice the check was cut and never receiving. Made sure address is correct.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I pay my Comenity/Victoria 's Secret Credit Card through my bill payer. I set up a payment to pay my balance in full by the due date. The due date was XX/XX/XXXX. The payment posted on XX/XX/XXXX. I was charged {$2.00} interest on this one day late payment. 

Since I had paid my balance in full and had not made any further purchases, I haven't looked at my account since then. 

On XX/XX/2020, I received a phone call from Comenity stating I had a balance of {$50.00}. They wanted me to pay over the phone. I was shocked because I had paid my balance in full in XXXX. I told the representative, I couldn't believe I owed them and I would review my account. 

Reviewing my account, I saw that the payment posted ONE DAY LATE. They charged me A finance charge of {$2.00}, increasing up to {$50.00} I emailed them and told them I would pay the {$2.00} but I didn't think I was responsible for all the additional fees. Most companies would waive the fees, since it was probably the bank 's fault for getting there one day late. 

I have attached the statements.
Consumer complaint received 2018-07-09
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RevSolve, Inc. (AR)

Around XX/XX/2018 an affidavit of denial and contract request was sent certified USPS to  Revsolve Inc obligating me to a debt they say I owe. I since then received a phone from XXXX XXXX on XX/XX/2018 at XXXX regarding this debt. XXXX XXXX has failed to provide proper validation in accordance with the Fair Debt Collection Practice Act while attempting to collect on a debt when without properly verifying.
Consumer complaint received 2021-09-14
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: Southwest Credit Systems, L.P. (NJ)

I reviewed a copy of my credit report in the past and found this inaccurate account in which i disputed. The company never followed up with me therefore i am initiating a complaint with you. I mailed the company a letter on XX/XX/2021 as well as contacted them through credit bureaus
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Someone opened a Discover Card Acct in my name. I 've tried to get this resolved and reported as fraudulent but to no end. What makes no sense at all is that, this is the 2nd card that was opened in my name and written off through Discover card. How is it even possible to to that?
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 — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

The beginning of XX/XX/2022, I received notification from XXXX XXXX regarding an outstanding account with XXXX XXXX XXXX along with payment options to satisfy the {$9400.00} balance. I called and spoke to a representative to request a verification of debt letter. Upon receiving the information, the math was not accurate. I have reached out to XXXX and disputed this account in the past, but was informed the account had been sold to collections and to contact them with any questions. 

XXXX XX/XX/2022, I filed a dispute with XXXX XXXX XXXX XXXX the discrepancy in the amount owed. CFPB dispute number XXXX. Their response regurgitated a lot of known information, however failed to address the error. The end of the response contained a phone number for XXXX XXXX and for me to call with any questions. 
XXXX XXXX XXXX, I called, as per instructed, and was again informed my account had been sold to a collection agency and for me to reach out to them with any questions. 
XXXX XXXXXXXX XXXX, I filed a dispute with CFPB ( XXXX ) with XXXX XXXX and submitted the documentation proving the amount owed is not what XXXX is claiming XXXX I added XXXX XXXX in the dispute and they received a copy. XXXX XXXX replied after reviewing the documents submitted, the collection account was sent back to XXXX XXXX. They would cease all collection activity on that account. XXXX has yet to respond to this dispute. 

I have disputed the XXXX account with through the credit reporting agencies and those were closed in favor of the creditor. I was advised to file disputes through CFPB against the CRAs considering the documentation proves my case and the information being reported is inaccurate. In addition, trying to get this resolved with the creditor has proven ineffective as incorrect information was provided to CFPB about calling for assistance, the status of my account, and they have not offered any information regarding the mathematical errors and the amount being reported vs the amount paid on the account, deduction of the amount of sale from car, exaggerated, unexplained fees that contributed to the high amount in collections. I have tried repeatedly to receive clarification on the account however misinformation has left me out of options and with a derogatory negative mark which affects my credit score severely. 

Even without the months of payments made towards the original balance of {$14000.00} The sale of the vehicle at {$8000.00} plus the amount in collections of {$9000.00} would be over {$17000.00} paid on a {$14000.00} original balance.
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 belongs to someone else
Company: EQUIFAX, INC. (GA)

I was recently divorced and as a result I was relieved of all financial obligations of a loan with XXXX that was taken out by my ex-spouse. This decision was a judgment as a result of the divorce and separation of assets. XXXX is not honoring this judgment and continues to report this account to my credit file when I have no legal obligation to this account. Due to the abuse at the hands of my ex spouse, XXXX is continuing to allow the financial abuse to continue. XXXX should honor the court 's judgment and cease reporting this account to the credit bureaus. This ongoing fraudulent reporting has caused me emotional and financial hardship and distress. 

Loan Information : Account number : XXXX Account owner : XXXX XXXX
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FULTON FINANCIAL CORPORATION (VA)

I have twice requested my account be closed, once through secure bank message, the other via signed letter sent regular mail and my account has still not been closed. In fact, today ( XX/XX/2018 ), I received a bank statement for my account which I have twice requested be closed.
Consumer complaint received 2018-03-28
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. (NJ)

I paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report
Consumer complaint received 2021-07-16
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I got this accounts that is not mine and i want it to be remove from my credit. 


1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Consumer complaint received 2018-03-28
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. (TX)

I have contacted them about these accounts in several occasions and they have not contacted me or updated these accounts. Theses accounts where settled in my divorce and I and no longer responsibile for these accounts.. the accounts are XXXX XXXX XXXX and XXXX XXXX XXXX , and XXXX XXXX