davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-28
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. (FL)

I CHECKED MY CREDIT REPORT AND TO MY SUPRISE I CAME ACROSS SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (WV)

On XX/XX/XXXXXXXX  I called Aidvantage to report that my income had decreased and to have my payment re-callibrated to my income. The first agent hung up on me for unknown reasons. The second agent made a vague statement about my income being verified and that my new payment would be XXXX. 

Four months later, in XXXX of XXXX, I began receiving statements with the same payment amount as before the phone call I made on XX/XX/XXXX, meaning my reported drop in income was never considered in my payment. In XX/XX/XXXX I called Aidvantage a 3rd time but was unable to speak to a customer service rep due to their high hold times. 

I have been in contact with Aidvantage at least XXXX or 4 times over this issue and it is still unresolved. At this point the mistake seems purposeful, as to force me into making a payment. 

I DO NOT WANT AIDVANTAGE SERVICING MY LOANS ANYMORE. The only information I would like from them going forward is how to change servicers.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

" WF CRD SVC '' claims I owe them {$1100.00} as of XX/XX/XXXX. 
This account was opened as a result of identity theft, I have informed the company of this and also provided a police report ; they refuse to take this off my credit and they have charged off the amount, which is effecting my credit and hindering me as a first time home buyer. 
They claim the account was opened on XX/XX/XXXX.
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

I contacted this company via mail in regards to a letter I received about an alleged debt. I asked the company to verify the debt. However, the only response I received from the company was a copy of a bill. To my understanding, this is not proper validation as per FCRA and FDCPA. I never did business with this comany.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (NJ)

Yes on XXXX I purchase a car XXXX XXXX XXXX, on XXXX I purchase a house maybe when I move the mail get lost and I did not get my title when I paid so at this time when I want to sell my car I look for the title and I remember that I never got it so immediately I when to motor vehicle on the beginning XX/XX/XXXX so I found out when the agent told me that lien release was never send it to them they provide me the XXXX XXXX so they can faxed to them and get my title but was not provided because when I called the bank told me that my social security is not the same I provide all the papers including the driver license when I purchase the car the bank account with the amount I was paying I email on XX/XX/XXXX and almost every day I call to see if they need some more information or requirements but every day is something new either don't find me neither with the vin # i feel that I paid my car a gost bank really very frustrated situation because my car been paid in full.all I want is my tittle something that I paid for.
Consumer complaint received 2023-01-18
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 (GA)

XXXX XXXX XXXX  is on my credit history and have no clue why its been on my credit report I lived with some people during these things on my credit report occurred on my credit history in my birth certificate and social security card and Id got stolen from me in then started realizing that there was all kinds of credit card was applied for under my information in then my credit is ruined because of other people who still peoples identity its sad how people are now days I shouldnt have to struggle to get this XXXX off my credit history because of how hurtful someone would just steal someone identity in use the person information just so they can get people thinking that its the person whos identity who was stolen in then takes forever just keep disputing the things I didnt apply for or had nothing to do with still struggling after a couple years of constantly getting it off my history people just dont care
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (CT)

This company is refusing to correct my Personal Information and my SSN I submitted all the documents requested by fax and regular mail. 
please see attached. 

this company refused to accepted my disputes with the excuse of me having multiples SSN and that's a false statement. 

please see attached letters sent to this company ( Experian ) and documents as proof of identity.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX, Equifax and XXXX  are reporting a bankruptcy on my credit report, as verified. The XXXX District of Illinois does not provide data to 3 party companies/vendor
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PROVIDENT FUNDING ASSOCIATES (TX)

Purchased this home in XXXX. Mortgage obtained from XXXX. Mortgage was based on principal and interest only, with taxes and insurance paid by me. 

At some point, mortgage was purchased by Provident Funding. 

Beginning on XX/XX/XXXX, Provident is now requiring an escrow account, with the payment now being an additional {$360.00} in monthly escrow beyond the {$1000.00} payment per the terms of my loan. They have refused to accept the correct payment of {$1000.00}, and will not accept any payment that does not include the additional escrow. 

They also falsely state on my account information that they purchased the XXXX flood insurance. I have attached copies of the flood insurance declarations page as well as my payment receipt, as well as the information and receipts for the homeowners and flood insurance, and taxes. Thus, I have met the requirements of the loan. 

I have also included a page from when the loan originated, stating that there is no escrow account. 

I incurred a charge of {$18.00}, which per the terms of the loan I am required to pay. However, instead of billing me for this amount, or even giving me the option to pay it, they have instead raised my monthly payment {$360.00}, or approximately {$4400.00} annually. 

I sent them a letter on XX/XX/XXXX disputing their changing the terms of the loan, but they have refused to revert back to the agreed upon payment.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Mrs. XXXX XXXX XXXX the information of my 3 credit cards, XXXX XXXX , Bank of America, and XXXX XXXX she used them for 4 years paying her personal accounts and services, and changed my address, phone number in them used the XXXX XXXX for an amount of XXXX the Bank of America for an Amount of XXXX and the XXXX XXXX  for almost 5000.00 I put an Identity Theft Report with the Federal Trade Commision and send letters to all the credit cards and also attached the identity theft report and the detail of the transactions made. I had my credit cards paperless so I don't realize this until I try to made a transaction on XXXX XXXX and my credit card was denied then I begin to investigate discover that I don't have credit available and request to the credit cards my statements in paper to know that happen. This begin in XXXX and she was doing monthly payments from this checking account for the minimum amount in each credit card and use her phone number to do it so I don't have a way to realize what's going on. Now they are under investigation for almost 3 months and request a Police Report the problem is that I live in XXXX and the police don't want to take the report because the merchants are in other cities and told me that have to travel to each city to put a report on them something that is impossible. In the meantime I don't have an alternative of what to do in reference to them because they denied 2 times my dispute and reopen the case again because they are not doing an investigation like should be done. What Can I do?? How you can help me?
Consumer complaint received 2020-04-29
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 XXXX XXXX XXXX, Transunion, XXXX, and XXXX  several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. Transunion, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2020-04-29
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. (TX)

I have contacted XXXX XXXX, XXXX, XXXX, and Experian several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, Experian have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (FL)

I CHECKED MY CREDIT REPORT AND TO MY SUPRISE I CAME ACROSS SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

After 5 months ( XX/XX/2019 thru XXXX 2019 ) with certified letters to Select Portfolio Servicing , Inc. to request the review of documents furnished by me that supports full payments of every month that I had the present mortgage, SPS continued to deny and did not look into the evidence verifying full payment of every mortgage payment from XX/XX/2019 thru XX/XX/2019. 

SPS told me that the missing payment would take months for them to clear my name with the credit reporting agencies. This information was reported to me most recently. 

Further, I had to go thru the re-financing effort with a new company and pay almost {$5000.00} to close on the new effort in XXXX because of the " missing payment. '' I just received a full payment check by SPS for their error that they never reported to XXXX   XXXX, the new Mortgage Company ; however, the credit reporting companies, to my knowledge, has yet to " repair '' the information furnished in error by SPS.
Consumer complaint received 2019-10-23
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. (AR)

Hello, The following account is not mine. Please remove from my credit account. Thank you. 

XXXX XXXX XXXX The following Inquirie was not made or authorized by me. Please remove from my credit account. Thank you. 

Inquiries : XXXX XXXX XX/XX/2018 2018
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (PA)

I have not been getting my statements despite ELAN financial telling me I am enrolled in online statements. For the last three months, I've called them and they tell me I am enrolled and to check my spam folder, neither offering to assist me in making payments, or reversing fees. I have been reported to credit agencies as late despite telling them verbally I have not received notification payment is due. Each time I call them I remit payment in full. The Bank knows I make attempts to pay but does not do their due diligence in ensuring I have my paperwork to pay.
Consumer complaint received 2020-11-16
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/2020 I was notified from XXXX  XXXX  that my XXXX credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.
Consumer complaint received 2024-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I received a settlement refund from a business loss. The check was subsequently deposited. Within 2 days my account was on hold and under investigation for fraud. I advised what the check was for, however, USAA decided to have the account closed without providing further details within 60 days. The agent was aggressive, condescending, and flat out rude after I stated what the funds were for. The account is still showing open with funds on hold. I inquired whether I would receive a cashiers check and the representative stated the funds are scheduled to be returned. She also stated any credits would be mailed to me. Over the years I have continually had issues with USAA profiling my account because of large check or cash deposits. My husband who is a mixed race man and also banks with them, never has this issue.
Consumer complaint received 2020-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc. (NY)

A {$75.00} cash deposit bonus was promised for getting a direct deposit from my employer. My Direct deposit of {$500.00} was received on XX/XX/XXXX and XXXX 2020 for {$500.00} yet the bonus promo was never credited. The terms of the promotion read " SoFi will credit members who meet the qualification criteria stated above with a one-time cash bonus of {$75.00} deposited into their SoFi Money account within two weeks of qualification ''.
Consumer complaint received 2020-10-28
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: Experian Information Solutions Inc. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2020-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (TN)

I being using Remitly international transfer money, but for the last 2 weeks i have problems.My issue now is about a refund of {$150.00} on XXXX XXXX.I tried to speak with the company and its horrible, only thru chat messages and they say they will fix it, I check everyday and nothing happens.At this point I just want my money back security.
Consumer complaint received 2023-01-18
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: Financial Data Systems (FL)

This Collection company is reporting fraud/identity theft to my Credit Reports : Name FINANCIAL DATA SYSTEMS Address XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX number ( XXXX ) XXXX Please Close and Remove Account Off Credit Reports
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I am now in forbearance but my issue is about the balance on my mortgage. I refinanced in 2006 for {$120000.00} and as of today, owe {$110000.00}. I have asked for documentation showing where my payments are going. I have yet to hear from them. I have asked them to explain to me, how after 14 years I have only paid down the balance by {$8700.00}. 
I think I am entitled to know where my money is going. Something is amiss here and boarders on fraudulent dealings. 
My mortgage has been sold twice to different companies, it started with XXXX XXXX. It is now held with SLS Mortgage. 
If you can help me it would be appreciated. 
Thanks XXXX
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One bank has not updated my account XXXX & XXXX as paid on time since this virus on my credit bureaus is not reporting right i have not gone no 30 or 60 days late
Consumer complaint received 2017-09-25
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)

On or about XXXX/XXXX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went unanswered. 

XXXX XXXX Please remove this file from my report.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (AZ)

On XX/XX/20, I saw that something I have already disputed and had removed from my XXXX  credit report came up on my XXXX  credit report. At first I didnt know what it was for, but after calling and getting verbally abused I figured it out. The person on the line didnt say it was an attempt to collect a debt and that it was a recorded call when they first began speaking to me. Only later did they disclose that. I have NEVER received written communication from this debt collection agency in regards to this account saying I owe money, or anything of the sorts. The customer service rep just kept laughing at me saying you signed a contract and when I asked to speak to someone else that was more professional or could give me more information he outright denied me that opportunity. I said I will just have to get a legal team involved and he laughed again and said they are going to say youll lose because you signed a contract I believe they are treating me this way since it has already been disputed and they are upset they can not penalize me anymore. Its unprofessional and outright wrong to talk to someone like this.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I filed a dispute with Experian about several accounts that are on my bureau incorrectly. I filed the disputes online through their website yesterday, XXXX XX/XX/2020. Today I receive an email stating that there was new information for the dispute investigation. It states that the information was certified by the company reporting on XXXX XX/XX/2020. So there was no investigation? How can an account be certified three days before I dispute the account?