davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WV)

In XX/XX/XXXX, my husband and I refinanced our mortgage loan taking some of the equity to repay college loans. One of them was a XXXX XXXX loan for my daughter, XXXX. We instructed the bank and the mortgage lending company, XXXX XXXX, to send {$19000.00} to XXXX XXXX to be applied to the principal of my loan. This was my agreement with XXXX XXXX, along with instructions that I continue with monthly payments once the funds were applied and new monthly amounts were determined. I did not receive further payment information from XXXX XXXX even after a phone call inquiry. Sometime after the payment was made, XXXX XXXX and Navient separated. My loan was apparently assumed by Navient without my knowledge. I have not moved in over 25 years, so mail should not have been an issue, nor phone numbers. Navient apparently considered the payment as " payments toward the future '' and did not recalculate monthly payments. This step was to their advantage as they continued to add interest charges to the loan amount. This is most disturbing as I have been informed they have tacked almost {$7000.00} onto my loan. Why would I have made a bulk payment of over {$19000.00} only to incur an additions {$7000.00} in interest? Since XX/XX/XXXX I have been receiving nearly daily phone calls about late payments to a company I knew nothing about. I never received any paperwork from the company, and therefore, knew nothing about who they were or what loan I had with them. It took multiple phone calls to get accurate information and weeks to get ANY paperwork from Navient. Even then, all I received was a copy of my loan origination papers NOT current loan amounts or payment amounts. I last spoke to a representative with Navient on XX/XX/XXXX with no satisfaction to my inquiry - only being told this is the way it is.
Consumer complaint received 2020-08-20
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. (KS)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2021-11-01
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-15
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)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report
Consumer complaint received 2018-06-17
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. (GA)

XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andXXXX XXXX and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and experian this and XXXX and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The supervisor assigned to my account, XXXX XXXX, has not returned any of my calls. I have left a message for her at XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The underwriter is refusing to accept my hardship application and saying the income can not be verified. My husband and I separated late last year and he moved into a rental home I had that was vacant. We have since reconciled and found a tenant who currently lives there and they are saying there is conflicting information. I have provided a letter of explanation, bank statements showing the tenants deposit, a new lease agreement and copies of her checks with her name and the address on it. They are making no effort to help me and will not return my phone calls.
Consumer complaint received 2021-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

I went into the forebearance program and am trying to come out of the program, but wells fargo has screwed everything up. They sent a loan for me to sign for the forebearance but the loan has my ex-wife on it. I sent the divorce decree multiple times to wells fargo but they have not fixed it. They threaten to foreclose on me, but have not given me a chance to sign for the forebearance and continue back on my loan. They have said it is my fault, and there is nothing I can do to fix the problem. I have tried to call, but they always hang up on me.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After reviewing the credit file from XXXX. Noticed credit report has two late payments from XXXX  XXXX Auto Account : XXXX Account status Closed Date opened XX/XX/2018 Account type Auto Loan Balance Loan Amount {$0.00} Two late payments display incorrectly. I'm exercising my rights from FCRA to review inaccuracies from credit reporting
Consumer complaint received 2018-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX did two inquires in three days for the same thing and XXXX XXXX also did two inquires andwells fargo and they should not have. Also I have inquries from XXXX XXXX XXXX, and three other auto dealer I neevr authorized and I keep telling XXXX and XXXX this and transunion and they do nothing. I can not even get a credit report from XXXX   and old stuff keeps reappearing that is over ten years old and I dispute and they will not take it off. I have oevr 6 inquires that should not be on my credit reports. Nobody is doing anything and only giving excuses or giving me an automated system and hiding behind that.
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

I contacted this company because they appeared on my credit report. I spoke to a representative by the name of XXXX XXXX on XX/XX/XXXX. I explained to her that I had no knowledge of this account. She said it is for a balance at XXXX XXXX. I informed her that I moved on XX/XX/XXXX and the account was placed on me and my son credit report XX/XX/XXXX and we were never contacted. She then started giving me numbers and prices. I informed her I needed it in writing she said it was mailed to the office the debt is originally from. I asked her how was I supposed to know. She was speaking over me and not listening to my concern. I then asked for a supervisor and was told they were all out for lunch I then asked for the manager and was told the same. I informed the representative I will like to dispute the debt because I was unaware of the charges and was never contacted. She told me I can not dispute. These charges has been placed on me and my son credit and we had no knowledge of the debt. The original creditors kept my security deposit in the amount of $ XXXXand also received a payment from XXXX County Housing Authority for more than the 2 days I was in the unit. Per the representative I did not clean the carpet the original creditors remodeled the unit removing carpet and installing hardwood floors. Everything else in the unit was cleaned accordingly
Consumer complaint received 2023-02-07
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (UT)

I paid off my car in full with a {$16000.00} balance. Wells Fargo failed to apply the funds and close the account. The daily interest continued to accrue. And they never alerted me to the fact that there was an outstanding balance of roughly {$25.00} which they then wrote off. They never told me that there was a discrepancy or gave me an option of paying the additional money to save my otherwise perfect credit. They reported this internal mistake as a write off on my credit. When i call in to discuss what happened, the customer service department acknowledges the time of the additional monies posting after my payoff, but they do not have the authority to approve removing it from my credit account. I have escalated this multiple times to a department that you are not able to talk to, but they have been less then helpful. They continue to report this and negatively impacting my credit
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XX/XX/2020 and XX/XX/XXXX I sent two different formal dispute letters to the credit bureaus XXXX XXXX and Equifax. I also got a letter from Bankruptcy court stating that they do not validate anything or report in any way to the credit reporting agencies. I am asking them to follow the law but they are not.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (CA)

On XX/XX/2020, Current Bank decided to freeze my account due to a {$1200.00} deposit from my XXXX  bank account to my Current account. They informed me that a security team would review my account, and then I would be able to resume using the account. I've emailed them over five times asking for them to finish the review, and to look at my account. I only received a response twice, and they still have not completed their " security review. '' They have not contacted me, asked for any information, and do not respond to my emails. I have no way of contacting them since their phone line is down, and I can't use the chat in the app to do anything.
Consumer complaint received 2021-02-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (CA)

Regional Acceptance Corporation is charging me an extra 3 months on my car loan which totals to {$930.00}, they have claimed I have missed 3 payment which I contacted them about that and told them that I have made every single payment on time and I have the proof of every payment I have made and they asked me to email them copies of my proof of payments for every single month and I did and I havent heard back from them no more and they have not helped in resolving the issue. This has been affecting me and my credit immensely. I need help desperately to resolve this issue.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (PA)

SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This Agency never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the Gramm LeachBliley Act for causing to disclose customer information of a financial institution relating to consumers.
Consumer complaint received 2021-11-05
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. (TN)

Prior to my previous complaint submitted to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2021 sent to your company. In request blocking the collection account and removing from credit report. After reviewing the information from the collection agency, Im aware that the agreement ( s ) provided by the collection agency supporting documentation doesnt bears the signature of the alleged debtor wherein he/she agreed to pay the creditor/lease nor the following address on file for alleged debtor is incorrect. ( XXXX XXXX XXXX, XXXX, TN XXXX ) For further review, Ive attached my social security card, identity theft report, paystub and debt validation letter as it reflects my current addresse ( s ) and identification as my supporting documentation. Thank you.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

When I attempted to receive the free annual credit report of all three agencies, I was not able to get it from Experian. The page said I was required to download a report and send it in with a photocopy of my ID. I don't feel happy conveying that data by mail or by fax.
Consumer complaint received 2022-09-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WV)

This is a workers comp claim for a emergency room visit. The hospital was told its workers comp and yet they still harass me for this debt. We have provided the comp claim number to them and they refuse to accept it. I cant make them accept it. This is unfair and unethical business practices. Look at my previous debts. All have been paid. I guess its ok to ruin a persons credit based on what a company says to be true. Please look Into this
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello, I entered into a COVID-19 mortgage forbearance agreement with my XXXX XXXX XXXX  XXXX, Select Portfolio Service ( https : //www.spservicing.com/ ) and was told that they would likely add the missed payments to my existing principal. Now, they are requesting a balloon payment, which I am unable to make. 

I've been in my home for 16 years. I am a XXXX XXXX XXXX, so I know the game well, and understand all of the terms etc. that they are using. 

Is there something I can do to force them to add this outstanding balance, which represents the late payments, to the principal or can they do whatever they want to me? 

The outstanding amount is {$12000.00} and they are sending statements requesting this full amount due as a balloon payment. 

I've called them several times and it's like banging my head against a brick wall. I wish Congress had restricted all lenders ( not just government-backed loans ) from these balloon payments - people are going to lose their homes, and if it's anything like XXXX, the foreclosures will take the rest of the economy down. 

It seems antithetical to me that they would want to foreclose. I'm working very hard and have money in the pipeline, but I'm feeling overwhelmed by this as I try to get back on my feet with such an uncertain future with COVID still an issue. 

Please help!
Consumer complaint received 2022-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (MO)

Consumer collection management IncXXXX located in XXXX XXXX Missouri has caused me to have to send in documentation for Medical bills that had been previously paid. They contacted me in XXXX Regarding a hospitalization In XXXX. XXXX XXXX XXXXXXXX XXXX releases these debts after I have already paid them so either XXXX XXXX XXXX in XXXX in XXXX Missouri Needs to get their billing account numbers and counter numbers straightened out because somehow this Debt Collection Agency gets some sort of notification that for some reason I did not pay when indeed I have and I have documentation to prove it
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.
Consumer complaint received 2021-02-20
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. (MI)

Today XX/XX/21, I have submitted numerous disputes with Equifax and XXXX to update my credit report. There are old accounts that have been paid in full, settled, and no longer need to be on my credit report as it is hurting it. I am trying to purchase a home I can live everyday in. I am having so much trouble with getting old information removed from my credit report, that is already closed and taken care of. XXXX filed dispute on Equifax , they are saying my credit score is a XXXX, when in fact it is a XXXX, this is a huge difference, because of the lack of updated information. It is inaccurate. My balance on my XXXX XXXX Account is not XXXX, it is XXXX, this needs to be updated, and it has been over 30 days since it was updated. I am trying to get approved for a home loan and the inaccuracy of my Equifax credit report is holding me back. Please have Equifax update my account promptly. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

Opened a new credit card account through a promotional deal at XXXX XXXX using Synchrony Bank The deal was for a no interest purchase if spending over {$2500.00}, which I did, for two years. The statement I received said the same statement that payment would not be due for 2 years. 
I received a call on XX/XX/2020 that said there was a late fee charged to my account for not paying the statement, though the entire point of the account is that no payment is needed until two years from purchase date.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent XXXX a letter disputing the validity of the bankruptcies they are reporting on my credit report. They never responded back to me and updated the bankruptcies as " verified and accurate ''. I then went back to XXXX on XX/XX/2022, showed them the deleted bankruptcies from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted from my according to the FCRA. They have once again refused to delete these items which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. XX/XX/2022 XXXX just updated there report and say the Items will remain due to being verified and accurate. Even though they are still saying they are verifying this from XXXX XXXX and with me sending them proof its unverifiable and it was deleted from XXXX XXXX report. These items needs to be deleted from my credit report if it can not be verified within 30 days
Consumer complaint received 2018-06-17
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. (AL)

I sent dispute letter to transunion asking for verification and validation. I have received my reports back and they did not prove the account is reporting correctly.I have no record of the above accounts and I am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account ( 1 ) above, collectively referred to as account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information they are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of this inaccurate reporting.They is in violation of the FCRA.