davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXXXXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$8400.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2017-05-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent the collection agency a complaint letter  XXXX    XXXX ,2017  is the day the credit reporting agency received the letter to investigate a collection account on my credit report named  XXXX   XXXX   XXXX   XXXX  that is wrongfully being reported. It has been more than 30 days and I still have n't received a copy of the results. The file I submitted is a tracking for the letters sent.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to dispute the account on my credit report which I believe is fraudulent. Upon reviewing my credit report, I discovered an unauthorized account that had been opened without my knowledge or consent. The details of this fraudulent accounts as follows XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to dispute several late payment entries on my credit report. Upon reviewing my credit history, I have noticed discrepancies regarding the reporting of late payments on certain accounts. The details of these late payments are as follows : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

I 've been trying to get a modification since XX/XX/XXXX through Bank of America. Excuses after excuses and I know that I 'm qualified. This last attempt to modify my mortgage their answer was " We ca n't Identify you with the mortgage ''. What does that mean, I asked and they had no answer for it. I have tried over and over again and I think they just want to take my home and I 'm going to fight for my home of XXXX years. I 'm recovering from a house fire in XX/XX/XXXX and was out of my home for XXXX months only to come back and Banks of America says the want me out. Loan # XXXX XXXX XXXX XXXX see do n't this verify me with the property at XXXX , Kansas XXXX. Please help me keep my home! Help me fight Bank of America. Thanks in Advance.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I advised professional bureau of collections maryland ... that I never received a notification ... they reported on my credit report on XX/XX/XXXX ... the account was received by them for collections in XX/XX/XXXX ... asked when notification was sent they said via email ... to some unknown email address that's not mine ... they continued to text and call me ..even after advised..they never sent me a validation if debt ....
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir or Madame, In late XXXX of 2016, I mailed a check for {$10000.00} to Chase Card Services ( " Chase '' ) for the balance due on a Visa credit card ( account number XXXX ). On XXXX XXXX, 2016, after confirming with Chase via telephone that they never received that check, and fearing it must have been lost in the mail, I authorised a one-time electronic payment from my credit union to Chase for {$10000.00} ( the then current balance on the account ). The electronic payment was made, and, later that same day ( XXXX XXXX, 2016 ) the check for {$10000.00} was cashed by Chase. I have since contacted them via telephone to request return of the large positive balance in the account, and I was told via telephone they would not do so. On XXXX XXXX, 2016, I sent them a formal letter again demanding return of the outstanding funds, along with a reckoning of the account and its closure. I also advised that if I did not receive a response by XXXX XXXX I would pursue legal action. I have received no response to this letter. I would appreciate any assistance you might provide. I have sent a copy of this correspondence to California 's attorney general ; that complaint, along with this correspondence to you, are the only action I have taken besides my attempts to resolve the matter directly with Chase. I am also seeking to initiate a civil action against them ( I would prefer not to, but I see no other option. ) Thank you in advance for your time and for any assistance you can provide.
Consumer complaint received 2016-03-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

NOTICE OF WELLS FARGO BANKS, N.A. MATERIAL VIOLATIONS UNDER CALIFORNIA HOMEOWNER BILL OF RIGHTS ( HBOR ). 
See attached letter dated XX/XX/XXXX which demands that Wells Fargo Bank comply with California 's XXXX. 
Because Wells Fargo Bank has refused to comply with California 's XXXX, and given the evidence that Wells Fargo Bank has committed fraud and altered documents in my specific case, I am asking the Consumer Finance Protection Bureau to forward my CFPB case files to California 's Attorney General so that this evidence of fraud can be presented to the grand jury now authorized under California 's Senate Bill No. 1474. ( see attached CALIFORNIA SENATE BILL No. 1474 Approved by Governor XX/XX/XXXX.Filed Secretary of State XX/XX/XXXX. ) Wells Fargo Bank is knowingly and intentionally concealing from the Consumer Finance Protection Bureau and Courts evidence of fraud and lack of an accounting for this loan. Attached are several relevant court cases which categorically prove that despite Wells Fargo 's denial of wrongdoing, they are in fact committing fraud upon our Courts and Governmental Agencies. 
As a result, I have also decided to bring claims against Wells Fargo Bank in both State and Federal Court. 
VERIFIED COMPLAINT FOR INJUNCTIVE RELIEF AND DAMAGES UNDER CALIFORNIA HOMEOWNERS BILL OF RIGHTS : 1. FOR DECLARATORY RELIEF ; ENJOIN FORECLOSURE FOR INVALID BENEFICIARY, IMPROPER TRUSTEE [ C.C. 2924 ( a ) ( 6 ) ] 2. TO QUIET TITLE TO REAL PROPERTY ; 3. CANCELLATION OF INSTRUMENT [ C.C. 2924.11 ( D ) ] ; 4. PREVAILING PARTY FEE AWARD CC 2924.12 5. UNFAIR COMPETITION LAW [ C.C. 2924.12 ( G ), B & P CODE 17200 ET SEQ. ] ; 6. FRAUD/MISREPRESENTATION/DECEIT ; 7. FOR AN ACCOUNTING ;
Consumer complaint received 2016-10-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX, XXXX, after just purchasing my home, I bought new furniture from XXXX Furniture through an installment plan, with a credit card financed by Wells Fargo Bank. The agreement was that if paid in full with a year, there would be no interest assessed. Unfortunately for me I lost my job in XXXX of XXXX with the only income coming from from my XXXX husband 's XXXX check. In spite of this, I have never not made my payment within 30 days. 

I was dismayed and outraged when I looked on my statement in XXXX XXXX to find that the {$4000.00} in payments i had made on this account was dissolved by the {$2500.00} in interest charges deducted from my account, now placing my account in a {$7300.00} deficit. Wells Fargo deducted in excess of {$1200.00} in XXXX and XXXX of XXXX as interest charges and when I called them to protest this, they berated me and told me if I paid {$5300.00} immediately they would waive the fee. I believe the interest charged on my account is usury, illegal and contemptible!! Wells Fargo is too big a bank to inflict such harsh charges on people struggling to make a life and pay their bills on time.
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington National Bank had a account with me in XXXX XXXX. Account was closed in XXXX XXXX. They stated a balance was still owed and that was payed on XX/XX/XXXX after the account was closed. Huntington did not honer payment and instead reported credit at 108 % above limit to prevent consumer from using any more credit in future. They continue to do so in XXXX. XXXX XXXX and XXXX ignored file discrepancy to support bank
Consumer complaint received 2022-09-03
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. (LA)

Hello, My name is XXXX XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new couch and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CA)

I received a letter from Wells Fargo today that my credit card was closed for inactivity. I am unable to access online statements associated with this account, even though Wells Fargo 's website says that online statements would be available for 2 years. I want my account reinstated/reopened. And I want Wells Fargo to fix their website so that I can view my online statements from this account again. Under Truth in Lending Regulations ( Z ), credit card companies are required to furnish periodic statements and have proper record retention practices. If I ca n't access my statements from year 2015, they are in violation of these regulations. These companies always want people to switch from paper to paperless statements as a cost savings and convenience measure. However, when it 's time to access the online statements, they 're unavailable.
Consumer complaint received 2015-07-27
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: WELLS FARGO & COMPANY (IL)

WELLS AND COLLECTION AGENTS AND ASSIGED LAW FIRMS FOR LAWSUIT DOCKET XXXX XXXX XXXX CIRCUIT COURT OF XXXX COUNTY WAS SERVED TO US VIA MAIL AND IN PERSON, REFUSED SUMMONS AND KEPT GETTING CALL FROM ALL PARTIES FOR XXXX XXXX XXXX, XXXX AND XXXX XXXX XXXX MY ESTRANGED FAMILY MEMEBERS. CALL CELL, WORK CELL AND SKIP TRACED XXXX IN VIOLATION OF FDCPA TCPA THIS WENT ON FROM XX/XX/2009 TIL NOW.
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I have been a chase customer for several years. I recently opened a new checking and savings account to take advantage of a {$500.00} promo. Additionally, I opened a joint savings and checking account with my fianc. Shortly after opening, I attempted to add a mailing address online for my new accounts that was different than my home address. This caused Chase to go completely crazy. My accounts were frozen and then closed ... and my money - more than {$150000.00} - was never returned. Several calls to Chase have gone unanswered.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: JPMORGAN CHASE & CO. (CA)

I wanted to inquire about the Chase violations of billing practices. Since XXXX I have been attempting to resolve the amount that was placed in collection total amount $ XXXX.However I have not been able to get a determination of who is the collection agency is. My acnt opened XXXX ; Closed XXXX ; Reported XXXX
Consumer complaint received 2022-02-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

I have been waiting for over XXXX months now for Hyundai Motor Finance to release my title. I fully paid off my vehicle ( ~ {$14000.00} ) and submitted the odometer reading at the end of my lease which was on XX/XX/2021. XXXX support claims the payment and statement were received and continually reported that the title would be sent out in XXXX business days. 

I have been regularly calling them every few days but I never received the title and XXXX continues to say they will escalate the issue, but I never receive any response or resolution from them. No one at XXXX seems to know what the issue is. XXXX rep even told me that the title was sent to me and then sent back to them with an invalid address. They had the right address. Another rep told me that rep was lying and that they have no record of it being sent. Literally, their support team just tells you a scripted response to get you to hang up or go away ( and if that doesnt work they make something up ). 

I still dont have a title after over XXXX months of waiting. Ive opened a case with Hyundai, which is proving useless, they dont care. Hyundai doesnt care about their customers once they hand you off to Hyundai Motor Finance XXXX Dealership also told me they wont assist me since I didnt purchase the vehicle directly through them. I bought it through XXXX. 

I am filing this complaint to get the resolution asap as I am not being able to renew my license plate and its causing me a lot of inconvenience. 
It seems like a lot of other people are experiencing the issues. PLEASE HELP! 
I need my title.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I used to live at XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and National XXXX.Please find attached document showing details of my schedule and program for my XXXX.
Consumer complaint received 2022-09-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2022 my account is reported to credit bureaus XXXX, XXXX  and transunion it is current and in good standing. Then in XX/XX/2022 the company reports 90 days past due. Also in XX/XX/XXXX 90 days past due. You cant go from 0days past due to 90 days past due in 30 days. Both months are reported incorrect. When I disputed it they just turned around and said it was correct and closed the dispute. Unless the XXXX agent doesnt know basic math, anyone can see its incorrect.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX a balance of {$1700.00}. This is not for me, it is for a XXXX my deceased husband owned. A lady came to my home about XXXX years ago and questioned me and I explained the same to her. From what I understood this amount is for parts purchased for the business.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

In 2009 XXXX XXXX for imposed forclosur on my house, They deneighed me the HAMP program saying I did not qualify. They sent letters of a offer of a loan at a unmanageable amount and proceeded to for close. I made check by phone the last whole year and a half. They would post payment up to XXXX months time and immediately hit my credit .Six months ago I pulled my report and it showed only XXXX XXXX day and XXXX XXXX day on both XXXX XXXX and XXXX. I filled a complaint to show loan was paid and on time. They XXXX XXXX Responded by adding XXXX - 90 day latest to my credit .I feel taking my house wrongfully is not enough ( XXXX XXXX ) of a hardship but they have to add the Credit Insult to financial InjuryInjury .XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I have on two occasions now contacted Navient to take me off Income-Driven Repayment ( IDR ) as the loans are accruing around $ 1k of interest a month ( I owe almost 270k,  go XXXX XXXX ). 

The first incident was in XX/XX/XXXX, where I received verbal confirmation from their customer service rep that I was to be taken off IDR. 

This never happened. When I looked at my student loans again this XXXX ( XXXX ), I had not been taken off IDR,  and had accrued additional interest. I called Navient again, again received verbal confirmation. The representative indicated that I would see changes to my account after payment was drawn for XXXX. 

Payment was drawn for XXXX, and I am still not off IDR. I plan to follow up daily until they hopefully take me off this plan, but each month these people hold my loans hostage and make ~ {$1000.00} in interest, I am unable to get off IDR, and I am unable to refinance them or move them to a different lender. 

It honestly feels like I am being held as a financial hostage by this organization and don't know where to turn to.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I was not approved for an income-based repayment, which forced me to submit request for forbearance. I explained that I was not able to pay the increased amount and that my only other option was forbearance, which I took.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made