davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7400.00}, {$8600.00}, {$2700.00}, {$4000.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to express my dissatisfaction with the outcome of my recent dispute regarding unauthorized hard inquiries on my credit report. Despite providing supporting documentation, including an FTC Report, I have yet to receive a satisfactory resolution from your agency.
Consumer complaint received 2020-06-04
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. (VA)

Transunion is reporting an account that was opened on XX/XX/2013 with XXXX XXXX and it should be removed. The account states that it was included in a bankruptcy, however there is no bankruptcy on my report. They refuse to get this account permanently deleted and this inaccurate account is damaging my credit score. Because of Transunion error, its causing me harm with acquiring a home and other financial freedom.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AR)

I opened a Best Buy Credit Card recently thru Citi bank. I received my card on XX/XX/XXXX, on XX/XX/XXXX I set up my account online so I could make payments. The purchase i.made with the card was 18 months no interest with payments. Once I setup my account online it showed a payment due on XX/XX/XXXX or XX/XX/XXXX, I immediately made a payment. I never received a notice saying when a payment was due. I messaged Citi & Best Buy for a explanation. Both blame the other. As of today, Citi has given me a reply that I would receive a explanation within 24-48 hours and another message saying 15 days. I also have ask that since I closed my account does this affect the 18 months finance, will I have to pay the balance in full to avoid interest. It's been a week since I inquired about this. I can't get a reply from Citi, Best Buy still says Citi is responsible. I need this looked into since I get different answers. 
Thanks, XXXX
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC (PA)

OnXX/XX/2019, I received a letter from Financial Management Solutions ( FMS ) indicating an alleged and fraudulent debt in the amount of XXXX. On XX/XX/2019, I disputed the entire debt amount in writing and sent a letter with this respect to FMS via USPS certified mail ( tracking number : XXXX ). According to the USPS online records, the letter was delivered to the FMS financial solution on XX/XX/2019 ( Accordingly, they received my letter disputing my entire debt prior to expiration of the thirty ( 30 ) days period afforded under fair credit act ). However, I was notified that FMS financial Solutions has reported the debt prior to expiration of the thirty ( 30 ) days afforded under federal law while failed to report it as disputed. Furthermore, the referenced debt collection agency has failed to validate the debt prior to taking further collection actions. The debt was reported on XX/XX/2019, while on the same day, they received my letter disputing the entire debt. 

Accordingly, the referenced debt collection agency has committed multiple violations of the fair credit act.
Consumer complaint received 2019-03-11
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. (TN)

I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to XXXX. The account is also reporting on my XXXX and Equifax reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.
Consumer complaint received 2017-12-14
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (OH)

I keep getting harassed by Navient about student loans from XXXX XXXX XXXX who did some shady buisness to begin with cause their education sucked and I was never able to get a job because of them if it keeps I will sue XXXX XXXX XXXX and Navient for everything they are worth because they have already tried to damage my credit.
Consumer complaint received 2023-04-04
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: CITIBANK, N.A. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. THis is preventing me to purchase a home for my family.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hello, i been requesting to confirm unknown accounts in my report. also i it showing some inaccurate accounts in my report. unfortunately i have not received any response. I had send letters in XX/XX/2021, XXXX, XXXX, XXXX and i will send a new request this month. i had send proof that account is reporting inaccurate but no responses.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

My wife and I applied for a Barclaycard credit card that offered a 0 % balance transfer. After we received it, we called and asked if we could use the card for a major life expense coming up ( {$15000.00} ) instead of a transfer and still get the 0 % deal. We were told yes, we could. We also had to ask for the credit line to be increased to {$15000.00} to accommodate this new expense. It was increased. We asked again to make sure we would have this expense at 0 %. We were told again, yes. But we had to pay the expense within a few days time in order to take advantage of the 0 % offer. ( We were both on the call and were both XXXX, we always confirm everything multiple times. ) We paid the expense the next day. 

Then our first bill lands with a hefty 17 % interest rate. We called to complain and were told, basically tough luck. 

We asked to speak to a manager, and went through the whole story and asked if they could change the terms to a 0 % card as we were promised. We were told no. We asked if they could review the tape of the first call. We were told no, that's not possible. The manager agreed that there was no reasonable way wed sign up for a card at 17 %, but they could not change it. However, she would forward it to a higher ranking manager to review the situation and get back to us within 30 days. ( This became XXXX XXXX # XXXX ). 

After 30 days, we called them back and were told, again, tough luck. They admitted we were given wrong information ( i.e. we were lied to by their employees ) but still insisted it was our fault. ( Oh, and that department does not call back customers we were told this time. ) Its outrageous that they're so unethical and unaccountable that they freely admit that they give out wrong information ( i.e. lie ), and then refuse to rectify the situation.
Consumer complaint received 2020-04-19
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. (FL)

There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. 
Attached You '' ll find Police report
Consumer complaint received 2017-12-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: State Home Mortgage (GA)

FROM XX/XX/XXXX TO CURRENT XX/XX/XXXX. I HAVE RECEIVED LATE FEES FOR PAYMENTS THAT WERE ON TIME. IVE HAD MY CHECKS NOT GO THROUGH AND WAS UNABLE TO REACH ANYONE TO FIND OUT WHY OR WHAT I NEEDED TO DO? MY BANK HAD BEEN VERIFIED AND ACCOUNT INFO WAS CORRECT SO I HAD NO OTHER CHOICE BUT TO REACH OUT TO OTHER ENTITIES. I CALLED AND LEFT MESSAGES AND NEVER GOT A RESPONSE UNTIL I WENT TO THE XXXX XXXX WEBSITE AND SPOKE WITH A REPRESENTATIVE THERE AND ALSO CONTACTED MY LENDER TO TELL THEM WHAT HAPPENED. AFTER 3 MONTHS I RECEIVED A RETURN FROM THE LATE PAYMENT FEE THAT WAS ERRONEOUSLY APPLIED. 
WHEN I TRIED TO SET UP MY ACCOUNT ONLINE TO MAKE PAYMENTS THEY WERE NEVER ABLE TO SET THE ACCOUNT UP FORCING ME TO CALL EACH MONTH WHICH NO ONE EVER ANSWERS THE PHONE. WHEN I ACTUALLY GOT A CALL BACK FOR THE INTERNET ISSUE I WAS TALKED DOWN TO LIKE A CHILD OR A DOG. MY ACCOUNT WAS RESET OVER AND OVER AND OVER WITHOUT REQUESTING IT TO BE SO I WAS NEVER ABLE TO LOG ON AND USE THE SERVICE. 
IN XX/XX/XXXX I TRIED TO CHANGE MY HOMEOWNERS TO TRAVELERS AND THE NEW INSURANCE CALLED ME 2 MONTHS LATER SAYING THEY NEVER GOT A PAYMENT. WHEN WE CALLED ON 3 WAY THE PERSON I SPOKE TO TALKED TO ME AND THE INSURANCE LADY LIKE WE WERE TRASH. HE TOLD US THAT WE COULD NOT CHANGE OUR INSURANCE BECAUSE IT HAD ALREADY BEEN PAID. THAT I WOULD OWE ALL THIS MONEY. HE MADE ME FEEL SO BAD THAT I JUST STOPPED THE PROCESS. WHEN I CALLED HIM OUT ON HIS BEHAVIOR, HE ADVISED THAT IF I DID N'T LIKE IT I COULD HANG UP. HE WENT ON TO ARGUE WITH THE INSURANCE REP FROM TRAVELERS ACCUSING HER OF NOT KNOWING WHAT SHE WAS DOING WHEN SHE HAD BEEN IN THE BUSINESS FOR 15 YEARS. THE PHONE CALL LASTED AN HOUR WITH HIM ARGUING WITH US. 
I HAVE EMAILS OF HIM TRYING TO APOLOGIZE FOR HIS ARROGANT SLANDEROUS BEHAVIOR. I ALSO HAVE EMAILS OF ALL TIMES I HAD ISSUES WHEN I WAS ACTUALLY ABLE TO GET A RESPONSE FROM SOMEONE. 
CURRENTLY THE MORTAGE COMPANY IS SAYING I OWE THIS EXTRA MONEY WITHIN MY ESCROW ACCOUNT, BUT YET WHEN I CALL THEY WONT CALL ME BACK. SO I AM TRYING TO FIND OUT WHY MY MORTGAGE WENT UP {$50.00} DOLLARS A MONTH AND WHY THE ESCROW ACCOUNT PAYMENTS DO N'T ADD UP AND THEY WONT CALL BACK. I HAVE TO KNOW WHY ITS WENT UP? I ALSO NEED THEM TO EXPLAIN WHAT THEY DO WITH THE FUNDS THEY RECEIVE? THE AMOUNTS DO N'T ADD UP ON THE STATEMENTS THEY SEND. WHAT CAN I DO?? THIS HAS TO STOP!!! STATE HOME MORTGAGE HAS THE WORST BBB RATING AND OTHER CONSUMER COMPLAINT RATINGS I HAVE EVER WITNESSED!!! WHY ARE THEY ALLOWED TO CONTINUE THIS TYPE OF BEHAVIOR WITH SUCH RATINGS? IS THEIR NO PENALTIES OR DISCIPLINARY ACTION THAT CAN BE MADE AGAINST SUCH COMPANIES TO KEEP FROM THEM FROM CONTINUING IN THEIR ACTIONS??
Consumer complaint received 2019-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DE)

So after almost 10 years may husband and I have been treated unfairly by Wells Fargo Home Mortgage. Our home is up for auction on XX/XX/XXXX. We contacted XXXX in the early part of XX/XX/XXXX maybe around XXXX to refinance uuand it was taking a long time to get it together. There was a lot of restructuring going on at XXXX. There were different loan officers getting involved with our application. We even had one of the officers who was released from the office try to take our application with him to his next employer. He was still working on our application but didnt bother to tell us that he was no longer employed there. So I wasnt sure who I was talking to. Nonetheless, the XXXX called me with a final offer which was nothing I had discussed but decided on anyway. The Note then was transferred to Wells Fargo Home Mortgage for servicing. In the unfortunate event I required XXXX in the early part of XX/XX/XXXX. I contacted Wells Fargo informing them of our hardship. We filed for medical hardship and requested a modification. We were given new terms and they were to begin XX/XX/XXXX. However on XX/XX/XXXX we received a letter from Wells Fargo renigging the modification. I didnt understand up until now the reason they have denied us a modification and its all due to a business tax lien. Now I am no underwriter or banker but the tax lien was filed XX/XX/XXXX. Shouldnt that have been taken care of during the refinance with XXXX. Wells Fargo didnt approve any of our yearly applications for a modification and always said the account was closed due to the homeowners being uncooperative. In addition, we never received any correspondence of denial with the reasons for the We submitted an application every year per their instructions. It wasnt until XX/XX/XXXX when the lien expired did anything happen. We again filled out an application this time we received terms and then we asked for a detailed breakdown of the arrears and they said NO. Why were we not entitled to this information. So this was the last opportunity we were given because as of XX/XX/XXXX we were informed we no longer had the option of modifying the loan. We were given only two options and neither alloowencevgus to stay in our home which we have been in for 28 years. At first I was told the investor changed their guidelines and now I am finding out the decision was made by someone in Wells Fargo. When people hear that we are behind this many years, I have to enlighten them and say that Wells lFargo never made any moves throughout the years. We couldnt make any payments until they activated the account so what were we to do. And now they want to foreqclose on us and we dont see how thats fair.
Consumer complaint received 2018-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

I have been on the IBR program for about 5 years. In the beginning I was recieving my paperwork to recertify.,, Then it stopped. I was getting letters to recertify online. I do not do anything online at all and I never signed anything requiring me to do so. When I called AES, I was told that the government does not allow them to send the paperwork automatically anymore. I asked that my paperwork be sent out. Never received, had to call back. This was last year. I advised them to send my paperwork on time and I do not do anything online. They put me into forebearance and added {$7200.00} in interest to my principal balance. They did the same nonsense again this year only they billed me for the interest before the paperwork was even due. Once again I had to call back again to get the paperwork which took 18 days to receive. They are intentionally delaying the processing of my recertification so that they can bill the interest. I am going to dispute the loans and I dont believe these actions to be legal. It is my right to not have to be forced to put my information online at all. Also the school certified me for a degree that I can not even use. I will not pay anything for these student loans and I want them discharged immediately. I will not be a victim to crooked loan collection practices and anyone who is handling these matters should actually do something about it. Tired of a government that pretends to work for their people and glad we have a real President now so fix it. Im sure im not the only one complaining about this
Consumer complaint received 2021-08-20
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: Paypal Holdings, Inc (NY)

On XX/XX/2021, I purchased a suit online from XXXX XXXX XXXX XXXX XXXX for {$510.00}. I used my XXXX XXXX. I was thereafter informed by XXXX that the suit I selected was no longer available. I then disputed the charge. Rather than wait for the dispute to resolve, I chose another suit. On XX/XX/2021, my dispute was denied, as XXXX said that cancellations of orders for custom made suits were not allowed. Although this explanation was false, as the suit I ordered had not and could not be made, I did not appeal the denial of my dispute, as I selected a new suit. I let my time to appeal lapse and paid the credit charge for the suit on XX/XX/2021. The merchant states that it has not received my payment. I have made a number of calls to XXXX XXXX. I am advised that the payment was forwarded to PayPal, the collecting company for XXXX. I contacted PayPal and was informed that it is holding the money and will not release it until it receives notification from XXXX XXXX that the dispute is resolved in favor of the merchant. I am informed by XXXX XXXX that there is no other documentation to provide PayPal. On XX/XX/2021, I emailed PayPal and advised it that the dispute was over. I received a stock response that it would take time for PayPal to review my email and was invited to use the online portal for future contact. I do not have access to the online portal as I am not a customer of PayPal at the present time. At my request, XXXX XXXX provided me a letter, through XXXX, dated XX/XX/2021, that the dispute is closed. I emailed it to PayPal on XX/XX/2021. I have not received a response and do not expect to receive one. I also asked XXXX to pressure PayPal to release the funds, as XXXX utilized PayPal to receive the funds. I am getting nowhere. PayPal has given no indication that it will ever release the funds to the merchant on the present facts. I was advised in a call to PayPal that they will never release the money unless they get something more from XXXX, the lending institution utilized by XXXX XXXX, and I have been advised by XXXX XXXX that there is nothing more to give PayPal. The bottom line is that I used a credit card to buy a suit and received nothing. PayPal has taken the proceeds and will not release the proceeds. As things stand now, I have made an involuntary {$510.00} donation to PayPal.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Experian is reporting a incorrect bankruptcy on my credit report. The bankruptcy does not belong to me. I have disputed this bankruptcy multiple times and Experian keeps telling me the bankruptcy is accurate. They have not provided any information to me to show me that this bankruptcy belongs to me. They are violating my rights as a consumer. They should be reporting accurate information and are not.
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MS)

Dovenmuehle Mortgage is servicing my loan. Insurance was due on XX/XX/2020. As of XX/XX/2020, my insurance was not paid. They overnighted payment upon my request to the wrong address. XXXX cashed the check, then refunded payment onXX/XX/XXXX. Refused to reinstate policy. DMI said they didnt have the returned funds. As of XX/XX/2020, they found the funds with their 3rd party insurance vendor. I have no insurance and a new policy is {$4200.00} versus the {$2900.00} policy I had. I do not feel I should be penalized for the mistake of the servicer not paying the insurance premium on time. It was paid 35 days late by DMI and XXXX refused to reinstate the policy.
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (TX)

I recently checked my credit score and I noticed a account in collections for XXXX, I tried to call the collection and i also tried to file I dispute with the credit Bureaus, they said I would need to file a report with you guys. So when I looked up the original creditor the company name was XXXX XXXX XXXX XXXX XXXX XXXX, I XXXX there company name and all the reviews say this company is issuing debt to people who never even did business with them, I Am XXXX and Im XXXX a XXXX Im trying to grow my credit and this debt is making it harder
Consumer complaint received 2018-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TN)

I have contacted this company several times asking them to validate this debt they claim that I owe them. They have been unsuccessful at doing so all they keep sending me is old billing statements from a XXXX phone bill. I have done further research and found out that this company is not licensed to collect in the state of Tennessee, which is where I am.