davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions Banks are reporting that account was opened on XX/XX/2015 when this account was declined but was reported to XXXX XXXX XXXX XXXX I have never had an account with Regions Bank and they are reporting inaccurate information that may have other financial institutes decline or refused to extend me offer for the next 7 years. Regions Bank pleae provided all methods used by you to report this as accurate to XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC (NJ)

I have a loan with Village Capital. I went into forbearance due to COVID. I then entered into a loan modification where I added the three missed payments to the end of the loan term. I signed a Note and new Mortgage and returned the docs to XXXX XXXX. They nevertheless reported me 90 days past due on the mortgage. I got a different story every time I called and was assured repeatedly the issue had been corrected. I have nothing showing on my account that a modification was granted and the false credit report remains outstanding.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a credit card directly from a sit down at Citizens Bank in XX/XX/XXXX as they said '' pre-approved '' No verification of wages was ever obtained and they said that is not done on a pre-approval ... which i do not feel is true. 

I am on XX/XX/XXXX of {$11000.00} annually. I was issued a card for {$7500.00} Prior to and thereafter was hospitalized for my schizoeffective disorder and then went shopping and maxed my card. 

I have 3 other account which i owe nothing on and should of either been denied or given a lower amount if the credit check and income was verified. 

I can not afford payment and my mom has been helping to avoid crashing my credit. I do feel at fault even with my mania to pay the bill. 

I reached out in XX/XX/XXXX and was offered a payment plan and interest of 2.9 % for 5 years and then they said the account wasn't old enough to warrant a plan. 
So i waited until 6 months and sent in documents for hardship and my income again to be told the account wasn't old enough. I am trying to get a reasonable payment plan, interest or settlement. 

I called again today XX/XX/XXXX and was told to send in a hardship letter because the account is current ( because my mom is paying ) as i stated to not ruin my credit any further. 

I feel the bank was dishonest and inproper practices of card issueing. I would like the bill to be reduced to what i should have offered at application which is nothing or far less than the {$7500.00} i got. 

If they had done a verification of income i probably wouldn't have received a card bing that i have 3 other cards with available credit of more than XXXX total. This is concerning. 

Please help me make the bank responsible for their errors and for myself to get out of this mess. 

The process seems unethical and unfair and i can't anyone to help me. 

I explained that i know if it goes to collection they will not get any money as they can't garnish my social security. I stepped forward to resolve and they aren't willing unless i jump through the same hoops with the same answers and nothing being done to help me.
Consumer complaint received 2024-02-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Get the accounts result of ID-Theft off my credit report now! Other bureaus fixed it, and even the creditors agreed they're fraud. Stop damaging my credit or face legal action. Investigate, remove, and give me written confirmation no excuses! XXXX XXXX XXXX XXXX. Please DELETE.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AZ)

On my WellsFargo Bank Credit Account there was a Promotion that recently came to an Expiration on XX/XX/XXXX. I paid everything down to a last statement balance of {$450.00} prior to my promotion Expiring ; yet, couldnt fulfill the contractual obligation because I was in the hospital seeking treatment for my terminal related illness. On XX/XX/XXXX I called in to the WellsFargo Bank Customer Service Center and Spoke to a Manager hoping that they would recoginze my due diligency with making payments on time and sympathize with me regarding my illness. I asked if it was possible to pay off the last statement balance of {$450.00} that was owed in order to Avoid the DI Charge in the amount of {$250.00} but to my dismay The WellsFargo Account Manager stated there was no help that could be offered, even if I was in the Hospital during the time the Promotion Expired which prevented me from paying it off by the Promotional Exp Date. Later, on XX/XX/XXXX decided to call in once more in order to ensure there was no financial relief that could be offered and again a different Account Manager stated there was nothing that could be negotiated to pay off the Principal in order to avoid the Deffered Interest Charge.
Consumer complaint received 2017-06-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GVA Holdings, LLC (TX)

Company XXXX XXXX called me threatening to serve me paperwork at my job if I did not set up payments to repay Great Plains. I set up payment of {$500.00} a month for 3 months but when I tried to call Great Plains to check on payment arrangement they told me that another company actually owned my debt ( XXXX XXXX XXXX ). I have spoken the XXXX and they also told me that XXXX did not own my debt. XXXX stated they would send me my {$500.00} back and stop previous arrangements, however I doubt I will ever see that money and if I do it will probably be a fraudulent check.
Consumer complaint received 2016-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Riverwalk Financial CORPORATION (TX)

I was contacted by a 3rd party, in which I thought was a government entity, to help me pay down my student loan payments & to consolidate them all to XXXX. I was in the process of getting a car but they could not give me a loan because they saw i had a {$54000.00} student loan that processed in XX/XX/XXXX. I was not aware of this because to my knowledge I thought I had already paid it down and it was reported on my credit as paid in full, stated in the email I received in XX/XX/XXXX. Come to find out the $ XXXX {$1000.00} I spent thinking it was going towards my loan was actually not going towards it at all. I contacted the services who has my loan still showing and told them about what happened & they advised to me that I paid XXXX XXXX party to consolidate my loan when that service it 's actually FREE! I am a recent college graduate & it is so unfortunate and unfair that they scammed me like this knowing I 'm fresh out of school and vulnerable to things like this. I spent $ XXXX- {$1000.00} I did n't have to try and pay my student debt so that I can finally get things such as apartment, cars, or even a good job because now they do credit checks. I am hoping to obtain my money back so I can put it towards what it actually was intended for.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I paid two medical bills off, that I need to be deleted from my credit file. XX/XX/XXXX removed one but now claims they can not identify me, yet they sent a dispute result in XX/XX/XXXX. 

NEW NOTE XXXX XXXX ( WAS REMOVED FROM XX/XX/XXXX ) AND XXXX ARE A BOTH A ZERO BALANCE AND NEED TO BE REMOVED IMMEDIATELY. PLEASE VERIFY AND UPDATE CREDIT FILE IMMEDIATELY PER LAW FOR MEDICAL DEBT. I NEED MY HOUSING. PLEASE. 


Please kindly REMOVE the accounts below from my credit file immediately : Name of Creditor Balance Account # XX/XX/XXXX{$0.00} XXXX MEDICAL DEBT RELIEF ACT MIRAMEDRG {$0.00} XXXX DEBT RELIEF ACT With further respect to the Medical Debt Relief Act of XXXX, please recheck that the application of health insurance is properly applied to the account and institute a 180-day waiting period, beginning with the date of service, before medical debt will be reported on a consumers credit report ( effective XX/XX/XXXX ) and remove paid off and settled medical debts from credit reports that have been fully paid or settled ( effective XX/XX/XXXX ), per the FCRA timetable for verification. With further respect to the Medical Debt Relief Act of XXXX, it was enacted to increase the waiting period to XXXX before medical debt will be reported to the consumers credit report ( effective XX/XX/XXXX ). All other enforcements will remain from the XXXX amendment noted above.
Consumer complaint received 2018-07-03
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: EQUIFAX, INC. (IL)

I HAVE SENT IN FRAUD INFORMATION TO EQUIFAX AND XXXX CREDIT COMPANY AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT INFORMATION OR INVESTIGATE AND SEND PROOF OF INVESTIGATION
Consumer complaint received 2020-08-25
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. (TN)

This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but experian and XXXX reporting open dates of XX/XX/XXXX the date of last activity reporting experian XX/XX/XXXX and XXXX XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can experian report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...
Consumer complaint received 2018-07-03
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX XXXX XXXX this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXXXXXX XXXX XXXX is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from two different debtors. 
XXXX XXXX XXXX has to be removed from the Experian major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (PA)

Status of closed account by XXXX XXXX Card is being re aged. Received an alert from XXXX XXXX under XXXX that as of XX/XX/XXXX the card was closed when it was previously reported as closed in XX/XX/XXXX. They are also showing twice on credit reports with XXXX
Consumer complaint received 2017-08-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (GA)

Current victim of I.D . Theft due to information being compromised by the XXXX. I 'm a XXXX. The main company that Im having a problem with is Experian. I have sent all necessary paperwork, yet the still refuse to assist me in restoring and removing derogatory information on my credit file.
Consumer complaint received 2022-09-14
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (GA)

Please remove these inaccuracies on my report it has been months and I have not been notified by neither of the bureaus investigation results into this matter this is extremely frustrating and not fair to me please investigate and remove these inaccuracies
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Around on or aboutXX/XX/XXXX, I received a phone call from a collection representative by XXXX XXXX, he advised me he was calling from XXXX - XXXX XXXX XXXX XXXX XXXX. about a debt with XXXX ( XXXX ) XXXX XXXX. I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXXin the amount of {$2300.00}, in XXXX District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number XXXX XXXX. A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on XX/XX/XXXX.
I called again on XX/XX/XXXX, and spoke with XXXX XXXX  again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or
has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-07-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Customer Service Rept. from Wells Fargo Home Mortgage called and wanted to know why I had filed a complaint against them " Why I DID That '' I attempted to explain to him but his voice kept getting louder and louder. I remained calm and told him I was dissatisfied with the detailed message they had left on my home answering machine. He seem very upset that I had filed a c/o. His tone & loudness of his voice was very frighting, I was afraid to answer the phone when I had next call fearing it may be him calling me back to harrass me
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was approved XXXX XXXX for a loan modification by XXXX, the investor of my loan and Bank of America is the servicer of the loan. I got a step rate and it was going to increase to 3 % in XXXX XXXX. Therefore, prior 3 months prior to that date, I contacted XXXX once again to ask that they extend my modification and keep me at 2 % interest rate for another 3 years. On XXXX XXXX, XXXX, I was approved for another modification, in writing, which was accepted and executed by me. At the time of the approval on XXXX XXXX, XXXX, XXXX XXXX informed me that I should continue making my normal payments at the 2 % interest rate. XXXX further informed me that Bank of America would take up to 8 weeks to send me the final modification documents. After 8 weeks, I called Bank of America and they confirmed with me verbally over the phone that my rate was at 2 % but when I would ask about the final modification documents, they acted as if they didnt know what I was talking about. I sent the modification to Bank of America 3 times and they still claimed they did not receive it. They even received it from XXXX and Bank of America is continuing to refuse to honor the modification. Bank of America is playing games with me I am so tired I have been dealing with this for months. Why is Bank of America not honoring the modification that the owner of the loan granted me and that I accepted. Now, because Bank of America is refusing to honor this modification, I am considered delinquent because they now changed the terms of my loan to the 3 % when in fact pursuant to the terms of the modification agreement I accepted XXXX XXXX, my rate of 2 % is extended until XXXX XXXX. Please I pray that you help me with getting Bank of America to honor the loan modification that was offered to me, God Bless You.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

When my loan was transferred from XXXX XXXX is was unclear how my payment was being allocated. I was also misinformed about payments of deadlines and critical deadlines. This continued for many months and misapplied payments.