davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-09-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION (TX)

Dear who this may concern I refinance my car with navy federal and request to the person I was in contact with, that I would want Gap insurance on my auto loan. My vehicle end up being declared a total loss by XXXX and called the bank about it. The bank refuse give gap, because it was not put into the loan as I requested. The bank I clearly not capable of being trusted with a yes or no answer and would like some explanation and some accountability. 

I looked forward to getting a response
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

The change in fee structure for debit card holders that Wells Fargo recently instated is excessive and oppressive. Wells Fargo change the requirement to avoid a monthly fee for debit card users by removing the criteria of making 10 or more transaction in each month. Now the only way to avoid a $ 12 monthly fee is to either keep an average daily balance of {$500.00} or do direct deposit. The {$500.00} is excessive and discriminatory to working families!!! VERY few people can just leave that kind of money sitting around in a non-interest-bearing debit account. And for those of us only working one job I only have one direct deposit and that goes to my WF checking account so I can avoid a service fee there. 

I make an average of 40 transactions a month with my debit card spending an average {$450.00}. Based on current interchange rates WF makes around {$30.00} a month on just my transaction spend. That spend should more that cover the cost of the debit account.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I submitted a credit report dispute to verify a collection account on my credit profile with Experian on XX/XX/2019. The original credit was XXXX XXXX XXXX and the collection agency is XXXX XXXX XXXX. Experian allegedly contacted XXXX XXXX XXXX and was able to verify the information by XX/XX/2019. However XXXX XXXX XXXX or Experian has re aged the debt on this collection account to XX/XX/2019 making it appear as a new collection account.
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. ()

Commenity Bank XXXX XXXX XXXX XXXX OH XXXX Woman Within Credit Card acct # XXXX A late fee was assessed to our Account on XXXX Statement charged us a late fee of {$28.00} We advised they bank in XXXX as well as in XXXX and the Bank shows that they spoke to us on XX/XX/XXXX and XX/XX/XXXX-at which time we updated our change of address and the customer services representatives did not properly up date their files and records to list our new change of address Customer Service Representatives now refuse to remove the 2 late fees charged to my account which is a result of their errors Their phone number is XXXX
Consumer complaint received 2021-05-04
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. (GA)

IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME
Consumer complaint received 2019-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (GA)

I had a situation where I signed up with a company that do not exist. No address, phone is disconnected, offices that he rented out the landlord stated they have been looking for him for the past 9 months, I even Got police in the different countys to locate the gentleman thats how I discovered the scam. I spent a total of {$850.00} on to separate debit cards. When I called the company a it just disappeared in thin air. So I contacted navy federal and XXXX to dispute the charge. I sent both banks the same information such as the text messages, even the scam report with the companies name and the gentleman that signed the agreement mug shot stating that he creates companies to scam them out their money. XXXX was wonderful with giving me back my money. And assisting me with the fraudulent activity. However navy federal didnt even send in the dispute they denied me.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-08-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Called SallieMae several times about the cost of loans being repaid while still in school .All they offered was a 12 month  payment of {$25.00} per loan.They didnt say any other options were available and didnt explain how much more money on the loans/interest would have to be paid after agreeing to this payment.
Consumer complaint received 2020-11-13
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: Prosper Marketplace, Inc. (DC)

I am a victim of Identity theft. The perpetrator ( s ) used my information to try to open a loan with XXXX XXXX XXXX. This company accessed my file through XXXX XXXX XXXX. 

I contacted XXXX  and they claimed they had permissible purpose to access this file but WOULD NOT PRODUCE IT. This is a violation of federal law. The customer service area then said there was no signed disclosure or no physical evidence of Permissible Purpose available. 

I have enclosed a letter to this company. 

This inquiry is negatively impacting my credit score. I have contacted XXXX  directly and they refused to remove it
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (FL)

Diners Club states on their website at https : XXXX. as below. 
However the reality is that Diners Club XXXX XXXX does not accept merchant disputes and does not investigate anything, and has no consumer protection against unscrupulous merchants. Diners club XXXX XXXX has no functionality for submitting disputes online, and if you try to call them, they will tell you that they are simply a payment processor and will not get involved in merchant Disputes 'Q : How do I dispute a charge? 
A : Transactions can be disputed by phone, in writing, or directly from your online statement. Online just enter the necessary information and submit the form. Written notification of dispute should be mailed to Diners Club, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your inquiry is sent directly to our Customer Service Research Department. It usually takes from 45 to 60 days to research a dispute. You can also contact Customer Service at XXXX ( XXXX ).
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. Unknown account appears suspicious. Portfolio Recovery stole my identity. I never gave Portfolio Recovery permission to have my personal information which constitutes identity theft. This alleged account is deceptive and suspicious. No response has been provided. It has been over 30 days.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

On XXXX, I applied for a Lowes credit card through Synchrony Bank. I was immediately denied credit. The reason was that my credit score was XXXX. I did not think that was correct. I pulled my credit reports only to find my lowest score was XXXX. Where did they get the information? Now I can not apply to anywhere else because I do not know this information came from.
Consumer complaint received 2022-09-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/22 I made a payment to my Bank of America HELOC ending in XXXX through their bill pay facility. The amount of the payment was {$540.00}. After a couple of days the amount wasn't credited to my account and I contacted the bank using their email portal. On XX/XX/22 I got a notice that the funds were applied to a closed HELOC I had and that a check would be issued and mailed to my address on record. On XX/XX/22 I got an email that a check was issued ( # XXXX ) and it would take 7-10 days. 

On XX/XX/22, ,I contacted the bank by phone and was told the check was still outstanding. The person said they put a stop payment on the check and issued another check. I was told that it would take another 7-10 days. Now it is XX/XX/22 and I have not received anything. 

I feel there is a problem at the bank and I need help getting my refund.
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (NJ)

My mortgage company Ditech went chapter XXXX, sent my loan to XXXX XXXX XXXX XXXX. 

They are charging me for escrow, I pay my own taxes and home owner insurance, I always have. I cant get them to correct the problem, its been three months, Loan transfer date was XX/XX/2019, I have sent {$3200.00} to straighten this out. 
They did not properly apply the money, also sent {$1000.00} towards principal, also not correctly applied. 
Please help the company is a nightmare. I have notified my lawyer and I refuse to send any more payments until they fix this easy but somehow impossible for them to fix problem. I have sent several emails to customer service and have not received one back form them.
Consumer complaint received 2022-04-27
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. (NC)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX : {$160.00}
Consumer complaint received 2019-08-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC (NJ)

My mortgage company XXXX went chapter XXXX, sent my loan to XXXX XXXX Loan Care. 

They are charging me for escrow, I pay my own taxes and home owner insurance, I always have. I cant get them to correct the problem, its been three months, Loan transfer date was XX/XX/2019, I have sent {$3200.00} to straighten this out. 
They did not properly apply the money, also sent {$1000.00} towards principal, also not correctly applied. 
Please help the company is a nightmare. I have notified my lawyer and I refuse to send any more payments until they fix this easy but somehow impossible for them to fix problem. I have sent several emails to customer service and have not received one back form them.
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (CA)

XX/XX/XXXX, I purchase and new XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX of XXXX XXXX, Ca. The price of the vehicles was {$39000.00}, I make and down payments of {$5000.00} XX/XX/XXXX and a payment of {$5000.00} XX/XX/XXXX, on XX/XX/XXXX, GM Financial of XXXX XXXX XXXX XXXX, Texas XXXX Stated that the vehicle was under a vehicle lease 39 Months, on XX/XX/XXXX, GM Financial repossessed the vehicle stating default Motor vehicle lease Agreement., I informed GM Financial that had made monthly payments Of {$400.00} for ( 39 ) months and that I have never sign and with GFM Because the lease application was denied by the dealership and GFM On XXXX  Ive presented GMF with poof letter of lease denial dated XX/XX/XXXX, and the lease and payment account is Fraudulent.
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

My mortgage was sold to XXXX XXXX by XXXX XXXX and serviced by Rushmore Loan Management. My previous complaint to CFPB was to be sure that XXXX XXXX sends all my loan modification documents to Rushmore. C Today after sending email, leaving VMs to Rushmore to know the status of my modification, I talked to XXXX who continuously told me that they received only the XX/XX/XXXX package. Which was shocking so I told XXXX that I will be filing a complaint because I had a letter from XXXX XXXX stating that they had transferred all documents. He told me to speak to XXXX XXXX who is my account manager, that he was only reading whatever was on the notes. 

Then few minutes later I called XXXX XXXX phone number and was redirected to XXXX who confirmed that they received the XX/XX/XXXX modification transferred by XXXX XXXX and that Rushmore is working on my modification and that XXXX would return my call in next 1 or 2 days. 

I had left a VM last week to XXXX, sent her an email this weekend and left another VM this morning. Last week, XXXX ( @ Rushmore ) told me over the phone that XXXX was my account manager. Today XXXX told me that XXXX XXXX is my account manager
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO. (CA)

I just got a preliminary title report on my house and I realized there was a XXXX " judgment renewal '' filed by XXXX XXXX XXXX on behalf of FORD MOTOR CREDIT COMPANY LLC. 

Apparently XXXX XXXX XXXX filed a lawsuit and obtained a " default judgment '' on some vehicle around XXXX. 

I don't recall ever having a vehicle financed by Ford Motor, nor I ever heard of a lawsuit against me on that matter. 

Today, XXXX, I called the office of XXXX XXXX XXXX at ( XXXX ) XXXX to find out what this was about, and a male representative answer the phone and after obtaining the last four digits of my social security proceeded to accuse me of " irresponsible '' for not paying my debt. 

This guy asked me if I ever owned a XXXX vehicle, I said back in XXXX there was some vehicles owned/leased by my company but my company was closed due to the Market crash of XXXX and I also stated that I never heard of a lawsuit regarding their claims. He proceeded to lecture me on " it doesn't matter if you were notified or not about the lawsuit, the bottom line is this is your social security and therefore you owe the money. ", He further stated " you just admitted you or your company owned this vehicle. Plus knowing or not knowing about the lawsuit doesn't exempt you from the debt ''. I told him that I didnt recognize this debt and if he could please provide me information about it, but he barked " I am not going to assist you in providing you any document for you to challenge this debt, you need to contact the court for that. You need to pay regardless. '' I asked him if he was employed by XXXX XXXX XXXX, he responded he was. At that point I informed him that I was recording the call and that I was going to complaint against them, because all I wanted to tell them this debt must be an identity theft, because I remember in XXXX a lot of people got their information stolen to the extend that thieves purchase not only vehicles but real estate properties. I told him my intention was to together work to find the truth, instead I got a very aggressive individual that basically called me a liar. 

This employee should be either re-trained or fired. He twisted every work I use to try to explain the reason of my call and tried to intimidate me by suggesting that even if I file a lawsuit against XXXX XXXX XXXX, since they do this every day, it would cost me a lot of money to fight them because they will prevail in the end. I felt like a criminal. 

Anyway, I need to find now an attorney to help me resolve this matter. In doing research of their lawsuit I see that they " published '' their notifications of the court in a newspaper. This alone is ridiculous because I have had the same address since XXXX and same phone number since XXXX. I don't know how XXXX XXXX or XXXX XXXX XXXX, conveniently they could not reach me. 

XXXX XXXX XXXX have very abusive collecting practices and they need to be stopped.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (TX)

Hello this is XXXX XXXX, I had sent you a complaint for a debt of a apt I do not own, you said you needed more information, I'f you can contact me at XXXX. I would also like to notify you that my XXXX XXXX of XXXX is XXXX .agen I was victim of identity theft I sent proof on my last complaint. Complaint # XXXX
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

According to Portfolio Recovery a XXXX XXXX XXXX  credit card was opened in name. The person used the address of XXXX XXXX in XXXX which I have never lived at. I am currently disputing this address on my credit report, as well as the credit card. Over the years my wallet and ID have been stolen and I believe this is one of those times. The amount owed is XXXX
Consumer complaint received 2022-09-18
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: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.