davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I made a recent complain and never received a response. I received a check which I Will Not Cash!! The inappropriate way to try resolve this and they took more than this from me and are trying to tarnish my record. The account is closed but that isnt a reason to not try to resolve this with a {$60.00} check.
Consumer complaint received 2017-01-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monarch Recovery Holdings, Inc. (IN)

Getting phone calls from Monarch Recovery everyday. Ask them to remove and no longer call. This is not my debt. They call for a person that did not live here. We have been in our house since 2005. They keep calling. They say they will remove our number, but never do. 

( from number XXXX )
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

Our loan was sold to Bayview Loan Servicing , LLC from XXXX XXXX XXXX while we were undertaking a loan modification. We have made our 3 monthly trial payments ahead of schedule. We went to apply for a car loan and were shown our credit report. We discovered at this time that Bayview has reported to XXXX, XXXX, and XXXX that our mortgage is 90 days delinquent and that we also have a XXXX and XXXX mortgage ( which we have never taken out period! ) We are unable to attain a vehicle at this time because of this issue and did contact Bayview Loan Servicing , LLC, namely XXXX XXXX, after discovering this. After many attempts at making contact we finally were able to reach him the next day, in which he had stated that he had never seen a situation like ours before. He stated that in his computer, it had shown that we were, in fact, not delinquent on any payments but showed that we had multiple mortgages. He said he would contact us the following day with a resolution but has yet to make contact.
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

My student loan servicing company, Navient, will not allow me to make payments on my principal balance. I spoke with a Navient representative and she said the only way I can make principal payments is by making them exactly on the XXXX of every month. However, Navient continues to apply my additional principal payments to " future '' payments due. Not to my principal balance. Furthermore, they are issuing incorrect XXXX forms. For example, in XXXX I paid {$330.00} in interest to Navient on my student loans and they reported on my XXXX XXXX that I only paid them {$180.00} in interest. In XXXX I paid Navient {$380.00} in student loan interest and they only reported me paying them {$200.00} in interest in XXXX. 
They 've also increased my interest rates 4 times in one year.
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX {$540.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX XXXX {$910.00} XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo bank rearranged my debits to collect insufficient funds. The purchases I made could not have been done if I did not have money in my account at the time. They charged me 5 overdraft fees for one actual overdraft -- a total of XXXX dollars in fees.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CT)

I went into XXXX XXXX in XXXX ct. XXXX XXXX XXXX was running a promotion that if you switch your cell provider to them they would pay off remaining balance to your current cellphone provider on all the lines. They sent me the agreed gift card in the mail for switching service to them, but never paid off XXXX outstanding amount. Now it is in collection and being reported as {$300.00} that I owe. They have transferred to XXXX XXXX and to Jefferson Capital systems LLC. They are breaking FACRA and falsely reporting that I owe it and that It is a new debt incurred In XXXX of 2020. I changed carriers and this all took place over 4 years ago. XXXX XXXX XXXX needs to pay XXXX and they need to remove this off of my credit. I only switched to XXXX XXXX XXXX for the promotion that they paid off XXXX and did not due so. I did not go into the mall that day with intentions to switch and then was convinced and lied to and now is ruining my credit.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (SC)

My father has XXXX and I have his power of attorney so I can help with his finances. American EXpress has failed to accept that P.O.A despite me sending multiple copies, the attorney on file 's name and phone number and an explanation that there is not a notarized ink copy, only an embossed copy that does not show when copied. The attorney 's office even etched over the embossment so they could see the notarization. There is only XXXX single embossed copy, so it is not an option to provide that. Every other company, including banks has accepted it. In the mean time my Dad is charging things he does n't remember or need and depleting what little money he has. I believe AmEx just wants his money.
Consumer complaint received 2015-06-25
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I signed up for a free Paypal account and nowhere did I enter my social security number or any portion thereof. I logged in the next morning to see Paypal had the last XXXX digits of my social security number ( hereto referred to as " SSN '' ) and that I had a credit line. I was alarmed and called Paypal to ask how they had my SSN, without me ever entering it, and was told they obtain it through my name, date of birth and street address. I was taken aback and asked about the credit line, to which I was told I signed up for PayPal Credit. No worries, she said, it was a soft pull and they could close it. I closed the credit line due to never signing up for it and closed my Paypal account due to them obtaining my SSN without my knowledge or consent. I had a feeling I was lied to and it was a hard pull so I checked and sure enough, it was a hard pull on my XXXX report. I disputed the pull with XXXX and was denied because Paypal insists it was a factual pull. Per their request, I sent it a form asking Paypal to remove the pull and they refused - over and over again. Not XXXX single customer service rep expressed concern or surprise. On XXXX XXXX, 2015 the CFPB issued a complaint against Paypal for this very problem. With this as my proof they were in fact signing people up for Paypal Credit without their knowledge or consent, I again asked for them to remove the hard pull from my XXXX report. They again refused and asked me to forward the request to their Executive Escalations Team, to which I have not received any updates or response. 

Paypal signed me up for Paypal Credit, I did NOT apply for this service. I did NOT see anything informing me I was signing up for credit, when I signed up for regular Paypal. Their practices are deceptive and illegal. XXXX confirmed Paypal only used my name, date of birth and street address to do the unauthorized hard pull. I want the hard pull removed from my credit report.
Consumer complaint received 2015-07-07
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

This is a Reverse Mortgage situation. My mother passed away on XXXX XXXX, 2014 and named me Executor. We notified Financial Freedom that our intent was to clear the home of personal property, to make repairs/renovations, and to market the property for sale by XX/XX/2015. We were granted a 90 day extension on XXXX XXXX. Due to miscommunication between Realtor and Trustee, the request for extension with Financial Freedom was sent on XXXX XXXX, 2015 ( due at Financial Freedom by XXXX XXXX, 2015 ) but the request was directed to OneWest Bank, parent company of Financial Freedom. Both OneWest Bank and Financial Freedom deny receiving request for extension and instituted Foreclosure Proceedings on the Estate property. We have provided all documents requested but Financial Freedom simply states they are strictly adhering to the HUD guidelines and will not deviate. Because of this we were forced to list the property without being able to make appropriate restorative action and to accept a below-market price. We now have a contract which shall close on XXXX XXXX, 2015, however Financial Freedom refuses to delay, defer, or stop foreclosure proceedings, with auction date set for XXXX XXXX, 2015. We feel that Financial Freedom has been unwilling to work with us ; we simply requested legal extensions in order to market the property at a fair price in line with local comps.
Consumer complaint received 2015-11-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (VA)

BELOW IS THE EXCERPT FROM THE LAST CORRESPONDENCE I SENT TO MIDLAND : The last correspondence I sent your company dated XXXX XXXX, 2015 pertained to a demand for validation. Your company 's response dated XXXX failed to provide me validation of the account and at the same time you have persevered with reporting the account on my credit report. Additionally, instead of a collection account with a charged-off amount, the account is being reported as an open past due account, to make it illicitly appear as an installment account in an effort to have a greater negative impact on my credit score. This is a blatant violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA Sec 809 ). Hence, I hereby declare my intent to bring suit against your company under the regulations, due to your continued collection activity and failure to remove the account from my credit report.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I lodged a complaint against XXXX, XXXX, and TransUnion. The reason behind this action stemmed from my individual disputes with each of these credit bureaus in XX/XX/XXXX. At that time, I had informed them that I had fallen victim to identity theft that I noticed after being released from prison. Upon reviewing my credit reports, I noticed several items that were inaccurately attributed to me. Despite submitting my police report, identity theft report, and government-issued identification to support my claim, I did not receive any response from the credit bureaus. 

As a result of their lack of communication and action, on XX/XX/XXXX, I escalated the matter by filing a complaint with you. In my complaint, I requested that the credit bureaus provide evidence of their investigation into the disputed items. I also demanded that they either remove the erroneous entries from my credit report as mandated by law ( which I referenced in my complaint ) or substantiate the validity of these accounts by presenting supporting documents such as contracts or signatures within a specified timeframe of 15 days. While some deletions were observed on my credit report subsequently, I did not receive any formal response from the credit bureaus regarding the resolution of the dispute. 

On XX/XX/XXXX, I submitted another complaint against these XXXX companies requesting once again the deletion of the disputed items within XXXX days or proof be provided within 15 days. Despite noticing some deletions, there was still no response, and some items remained. 

On XX/XX/XXXX, XXXX responded to the original complaint from XX/XX/XXXX. They stated that they had contacted the furnisher of each disputed item, including XXXX ( XXXX XXXX XXXX ), First Premier, XXXX XXXX XXXX, and disputed inquiries and stated that these items were verified as being mine but unlike my XXXX prior requests and law states have not provided any proof regarding their investigation or how they were able to verify this debt. 

The lack of response on these remaining items could be a cause for concern and may require further follow-up with XXXX or the respective companies involved. Failure to do this will leave me no choice but to take legal action because they are suppose to verify each item reported prior to reporting, and I have the right to have each item validated and receive proof of each validation.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX as a collection agency and original creditor XXXX XXXX are both reporting the same debt on my credit report. Both a debt buyer and the original creditor can be collecting on the same debt, especially if XXXX XXXX sold the debt to XXXX XXXX. Please delete both of these accounts from my credit report for incorrect reporting. this is double jeopardy.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.
Consumer complaint received 2020-11-25
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. (CA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report over 60 days later and inform them that there's account that is not mine. but I haven't received a response yet. I feel like I'm being ignored of my disputes. It's I will file for litigation.
Consumer complaint received 2024-03-06
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: TD BANK US HOLDING COMPANY (VA)

I have disputed this account on multiple occasions yet the information remains unchanged and it's clearly reported inaccurately because the Date Opened does not match across the three Bureaus, the Closed Date doesn't not match across the three bureaus, the last payment date does not match across the 3 bureaus. According to the FRCA It's important to have an accurate and fair reporting to avoid injury. Right now I might miss a job opportunity because of this inaccurate reporting on my credit. Please investigate and remove NOW. I have attached my credit reports to show the inaccuracies month to month.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX XXXX Collections should appear on my Equifax credit file. XXXX XXXX XXXX with XXXX XXXX XXXX an AUD control number was provided to remove the account. The AUD control number for this deletion request is XXXX. 

Equifax needs to remove the account ASAP in accordance with the FCRA.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have sent a few disputes to this company, which have yet to be properly investigated or responded to in accordance to FDCPA guidelines. Yet they still continue to change me fees and send inaccurate information to the CRA about this account, while in the middle of a unresolved dispute with written instructions not to do so
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

XXXX I hit a deer on my way to work and I had insurance as well so the insurance did there part and paid but for some reason the bank ( XXXX XXXX XXXX ) in XXXX XXXX said they never received the payment. So I have been back and forth with the bank and insurance company about this and now I notice that the bank has put this debt on my credit so I called the bank and the insurance on a 3-way call and got to the bottom of this so come to find out the check was at the bank the whole time so the ending of this story is that my vehicle was wrecked then the bank repossessed the vehicle at the body shop and put the debt on my credit file now the worse part is that the bank found the check and took my vehicle and left me with nothing and ruined my credit so when I reached out to the bank they said that there was a left over balance but I had gap insurance and the Bank response was we reached out the company that carried your insurance but no answer so it looks as if I got the screws on this but I'm not taking this and this has a negative impact on my credit and I need some help
Consumer complaint received 2024-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 2023-05-02
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. (VA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Dear God, please do something about Ditech. I had XXXX mortgages sold to them by XXXX and Greentree. Half the time, Ditech 's website does not work. For a long time I had to pay THEM a fee to make an online payment. More often than not the website does not work. I never chose to do business with Ditech and XXXX different lenders/servicers sold my loan to this nightmare organization and there is absolutely no accountability. Rude and incompetent when Ditech is contacted. What a nightmare. Does n't seem to have changed after horse-racing XXXX XXXX was driven from the company after criminal behavior of its leadership.
Consumer complaint received 2022-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MN)

My loans were rehabilitated into a XXXX XXXX XXXX Loan over 10 years ago. I was told at that time that my loans would be eligible for discharge and/or forgiveness. I was granted a Total and XXXX XXXX XXXX approximately XXXX  years ago, but my loans were never discharged from the Consolidation Loan. The other party on the loan has been working in a low-income, PSLFXXXX XXXX for over 10 years and should have had her portion forgiven under Public Service Loan Forgiveness XXXX but she has repeatedly been denied. Every time I have inquired about the XXXX XXXX and the PSLF rejections, no one seems able to explain why any of this is happening or how to fix the problems.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (KY)

Hello, a little over a Week ago I applied for XXXX XXXX and was approved for {$32000.00} credit limit. I was trying to purchase a device for $ XXXXand all went though just. A day later I was checking my order to find out it was declined. I called the bank and was notified everything Was OK on their end and nothing is wrong with my account, and they haven't seen any activity from XXXX. I called XXXX and was advised to cancel the order and re order again. I did has was advised to get the same results again. This been going on for 10 days and was asked to do it over and over again with the sane results and no one is willing to fix the problem. I feel that now, I've used my good credit to apply to a service I can't even use, and in result, it might effect my credit. 

I ask of you to help us fix the problem. I see that it is an on going problem for several months now and lots of people are complaining about the same issue.