davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-25
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. (AZ)

I requested Experian to verify collections as they are not mine and I am not aware of these bills. They did not send me any verification on how they verified this debt. These are not my collections and they failed to remove them off my account. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2018-03-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

When I first Got approve for A XXXX card my credit limit was {$1000.00} and then 2 months later they decrease my credit limit down to {$100.00} and said the bank did it because of delinquent payments on my credit which is not true because I do not have any delinquent payments on my credit I pay all my stuff on time. I think it is unethical for this bank to falsify false information that is not on my credit.
Consumer complaint received 2021-11-01
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. (CA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-07-16
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: Experian Information Solutions Inc. (PA)

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX  and Experian. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Consumer complaint received 2022-05-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (TN)

I have reached out to the Department of Education/XXXXAidvantage in regards to the incorrect, damaging late payments on my student loans that antler being reported as accurate to the credit bureaus. These late payments were reported for a 2 month time span between XX/XX/XXXX and XX/XX/XXXX. To my knowledge and per the agreement with the loan companies, it had been established with the loan provider that my student loan payments were under deferment during this time. I have never received a notice and/or alert that these accounts would be in a derogatory status. Had I been properly notified in a timely manner, I assure you I would have been able to contact the loan provider and make the proper arrangement to continue satisfactory account status. According to the FCRA, there is no rule or statute preventing an update to the derogatory payment status. I have not been able to come to a resolution regarding my student loans and request that the last payments are updated according to the agreement in place.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I opened an account with Ally Bank on XXXX XXXX, XXXX  and I deposited my stipend from XXXX  XXXX XXXX and I believe because of my age they then put the funds on hold and have yet to release them or close the account and send a check in the mail. I am trying to get the funds from this because I am pending graduation and I could use those funds for books and materials. I understand that I am XXXX and most are not enrolling in school at that age, but there is no rule that says that you can not enroll in school at that age.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When looking at my credit report on XX/XX/XXXX XXXX XXXX updated an unknown account on my Transunion Credit report. I have no knowledge of this account and I disputed it with the Credit agency as well as the creditor. This is not my account and it shows up as an unknown account on my transunion credit report. I would like this account removed ASAP as it is not accurate and not my account. According to information on my credit report it says that it has been closed since XXXX so why would there be an update in XX/XX/XXXX? This is a fraudulent account.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

IN XXXX I WAS A VICTIM OF IDENTITY THEFT ... MY WELLS FARGO ACCOUNT WAS COMPROMISED ALSO THERES OTHER BANKS ON MY CREDIT REPORT THAT NEED TO BE REMOVED ALSO & CREDITORS & SEVERAL INQUIRIES THAT WERE DONE WITHOUT MY AUTHORIZATION THIS HAS BEEN A DEPRESSING PROBLEM PLEASE REMOVE THE WELLS FARGO UNAUTHORIZED XXXX XXXX ASAP TY ATTACHED IS A POLICE REPORT FROM XXXX TY!!
Consumer complaint received 2023-03-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

NATIONSTAR MORTGAGE LLC reported our account late as of XX/XX/XXXX & XXXX XXXX  but it was because of there own negligence of servicing our account they put our funds into a hold account because a payment of {$1500.00} was made twice in the month of XXXX XXXX now I spoke with a account XXXX by the name of XXXX XXXX XXXX XXXX back in XX/XX/2023 from XXXX to about XXXX she found the lost funds applied for the funds to be returned to the right account and they had knowledge of this but still decided to report us late on a payment as XX/XX/2023 so how is that far for them to report false allegations to the credit bureaus. IF a credit bureau, creditor, or someone else violates the Fair Credit Reporting Act, you can sue. Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.
Consumer complaint received 2022-05-02
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 applied and requested extension on my mortgage payment during covid. I am now under repayment plan, however, XXXXXXXX XXXX is reporting my account as delinquent. I have already called them and I have been told that this account will be reported as delinquent for the reminder of the repayment plan. 

The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) XXXX XXXXXXXX, however, is reporting the account as delinquent when based on care act the debt should be reported as current because XXXX has agreed to sign me up for a repayment plan.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit reporting act XXXX  acct # XXXX XXXX XXXX  XXXX XXXX, on XX/XX/. 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 an account without my written instruction.
Consumer complaint received 2022-05-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX I am a victim of identity theft and these accounts DONOT belong to me nor did I authorize anyone to. Thank you.
Consumer complaint received 2023-04-10
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. (MD)

I sent the consumer reporting agencies a letter asking them to investigate late payments on my XXXX XXXX account due to the incorrect, incomplete and inaccurate reporting. The agencies removed the inaccurate reporting and place a new late payment on my account. At the same time the new late payment was placed on the account the decrease also decreased. Its blatant that the account can not decrease in payment and also be late at the same time. Attached is the proof of this false information. There is also lots of increase to my balance throughout the months and I sent a letter of investigation regarding is this acceptable per the federal government, FCRA, TILA, FDCPA because this entire account has been full of inaccuracies and violations. Please remove this late payment as it is detrimental to my health and livelihood.
Consumer complaint received 2023-04-10
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. (TX)

Im accordance with the fair credit reporting act XXXX XXXX # XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SOUTHSTATE CORPORATION (GA)

My home mortgage was sold to a new lender. Before the sale, my payment history was 24 months on-time. Payments to the new lender began on XX/XX/2019. For XXXX months, the payments were on-time. In XXXX, my ex-wife and I separated and I moved out of the home. I provided my ex with the funds to make payments until we met for mediation. She did not make payment. I have the canceled check. We later sold the home and the mortgage was paid in-full. With the exception of this single item, my payment history is pristine. Now, XXXX years later, this item is negatively affecting my ability to buy a new home and has been costing me via higher interest rates.
Consumer complaint received 2022-05-02
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. (FL)

In accordance with the Fair Reprting Credit Act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX. XXXX XXXX, XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX. XXXX Account XXXX account # XXXX, XXXX XXXX XXXX. XXXX account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604. A Section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, FST XXXX Account # XXXX, FST XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX N.A. Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (CA)

I am a current Credit Karma money spend & savings account customer. I have been having issues assessing my funds for going on a month now. I never received a physical debit card in the mail so I have been trying to link my virtual card to XXXX XXXX & I get an error message stating it's an error on their end, so I then linked & verified my external business checking account to my CK account so I could at least access my funds that way I was able to transfer money a few times that way & my account keeps getting Frozen then unfrozen. I'm also a small business owner who was affected by Covid, I recently applied & was approved for the EIDL advance loan for {$10000.00} had it deposited into my CK account thinking it would be safe & my loan was reversed reason stating " Account Frozen '' I called CK support bcuz I was so upset not understanding why my account had a freeze on it randomly and how I lost out on {$10000.00} because of it they then want to unfreeze my account after my grant loan money was already returned this is absurd! It will randomly be unfrozen I'll try to transfer money it will say it went through and then it will return it saying that my account 's Frozen again I call them every day sometimes five times a day trying to get resolution and nothing they all say the same thing that they're going to submit a ticket and it's going to be given to the specialized team and they will mark it priority and I will hear back from somebody I never hear back from anybody! I got through to one representative about 4 or 5 days ago she told me that she was able to get a hold of someone in the specialized team they were requesting documents front and back of my ID & a current bank statement from my linked external bank account I provided those documents my account was unfrozen only to be frozen a few hours later AGAIN! NOW I HAVE BEEN CALLING FOR DAYS AND I'M NOT GETTING ANY RESOLUTION NO ONE 'S GETTING BACK TO ME NO ONE WILL GIVE ME ANY ANSWERS AND I CAN'T ACCESS MY FUNDS I AM LITERALLY BROKE RIGHT NOW I DON'T HAVE {$1.00} TO MY NAME I HAVE KIDS THAT ARE HUNGRY I HAVE BILLS THAT I HAVE TO PAY NO GAS IN MY CAR EVERY TIME I CALL THESE PEOPLE I DO NOT GET AN ANSWER AND I'M NOT GETTING ANY RESOLUTION MY ACCOUNT IS STILL FROZEN NOW THIS IS THE LONGEST THAT IT'S GONE BEING FROZEN IT'S BEEN GETTING FROZEN IF THAT MAKES SENSE BUT NOW IT'S NOT BEING UNFROZEN AT ALL I'M NOT GETTING ANY RESPONSE FROM ANYBODY! MY LIVELIHOOD 'S BEING AFFECTED MY BUSINESS HAS BEEN AFFECTED AND MY CHILDREN ARE BEING AFFECTED BY THEM NOT RESOLVING THIS ISSUE AND ALLOWING ME TO ACCESS MY FUNDS! WITH THIS COMPLAINT I'M ATTACHING SCREENSHOTS OF MY CORRESPONDENCE WITH CREDIT KARMA TO PROVE I'M NOT GETTING ANY HELP AND THIS ISN'T EVEN HALF OF THEM THERE'S TOO MANY TO SEND! I just need my money!! PLEASE HELP
Consumer complaint received 2023-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery associates llc continously sends me, XXXX XXXX, a fraudulent account debt owed. It states its by XXXX XXXXXXXX XXXX for the amount of {$360.00}. I, XXXX XXXX, have made disputes for this previously and they are now attempted to collect this fraudulent account once again. The account is stated to be under XXXX ' and I would please like to get this removed, as I am and have always been unaware of this accounts origin and have been disputing for years.
Consumer complaint received 2020-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

At XXXX XXXX  on XX/XX/XXXX, I received two emails from Navient. The first was an advertisement email about my repayment options. I have been in a {$0.00} IBR plan since XX/XX/XXXX ( re-certified from XX/XX/XXXX ). The next email was a monthly statement, which I have never received before. It informed me that I had a past due payment from XX/XX/XXXX of {$440.00} and that " You're all set with Auto Pay. '' I had not received information that my IBR or Auto Pay enrollment had changed. ( I didn't, as confirmed by the customer service rep. ) I went into my account, where my Account Summary did indicate that I had a past due payment of {$440.00}, but that the Status was " No Payment Due. '' Because I like to stay on top of my finances and I am able to pay a surprise bill, I submitted payment then called Navient 's support line at XXXX XXXX. 

When I spoke with the representative, she told me that she doesn't know why it was appearing I had a past due payment and confirmed I was still enrolled both my {$0.00} IBR and auto pay. The representative also said that she has seen it happen before and tat it must be a technical issue. She said they could get rid of the past due payment by putting my account into forbearance, which would take two weeks to go through review and possibly having the past-due removed. I told her I submitted the payment because I have no problem paying it. She said I didn't need to make the payment and asked permission to cancel the payment, to which I agreed. 

After holding to speak with her supervisor, she read me the terms of forbearance, which I learned centered around payment being a financial hardship. ( Recall how I told the representative I do not have a problem paying the amount. ) I had also asked beforehand if forbearance has an effect on my credit and if it would effect my eligibility for PSLF. She said no. 

When she asked if I agree to the terms, I said, " No. '' I then said I have a question. I asked if I pay the amount, the issue would clear when the payment processed she said yes it would. So I said I would just pay the amount. 

I also realize now that I probably wouldn't have had to pay the amount listed, since it 1 ) did not line up with my repayment terms and 2 ) was listed as No Payment Due. However, after ending the call, I submitted payment for the {$440.00} because I take my debt seriously and overpay my minimums. 

I am reporting this to the CFPB to show that Navient recommended forbearance to me when it was not appropriate for my situation.
Consumer complaint received 2021-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

My Loan Care through XXXX XXXX  recently took over my mortgage. They have been horrible. Their website doesnt work. Every time I try to log in, it says incorrect password. When I try to reset my password, I get an error that it cant validate right now try back later. I have NEVER missed a mortgage payment but I cant get ahold of anyone at this company. When you call, it gives you no option to talk to a live rep. Instead, there is a 5 min message on tax information. There is no way to by pass this information. I dont need information on taxes, I want to pay my mortgage payment. However, I cant talk to anyone, cant get into the website, cant pay by phone, how am I supposed to pay my mortgage payment. Honestly, Im not sure this company really exists. How do I know that they really have my mortgage and this isnt some type of fraud. I wouldnt know ... I cant reach anyone at this company. However, my old mortgage company says they have my mortgage. Im at a loss of how to make my mortgage payment.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

AD ASTRA RECOVERY SERVICES HAVE ON MY CREDIT REPORT THAT I OWE THIS DEBT I SEND THEM VALIDATION LETTER CERTIFIED FOR THEM TO SEND ME THE INFORMATION ALL THEY SEND ME WAS SOME PRINTED PAPER THEY DID NOT SEND ME A LIST OF ITEMS THAT I REQUEST FOR VALIDATION
Consumer complaint received 2021-04-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates (GA)

Repeatedly calling me about a medical debt and told me that I should be getting the notice in the mail but the doctors office never contacted me and I paid a bill from that doctors office in XXXX of 2020. Its the same woman that is calling and she leaves the exact same voicemail every time. The doctors office is XXXX XXXX XXXX.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (IN)

XXXX XXXX XXXX XXXX XXXX a creditor may may not treat a payment on a credit card acct under an open end consumer credit plan as late for any reason. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX a i have a right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE XXXX ACCT ALL PSTED LATE PAYMENT WHICH I DID NOT HAVE. WOULD LIKE REMOVED