davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

In XXXX, When my husband and I build our first house we ran into a snag when they found on my credit report someone else 's info. She had the same name as I and we lived in the same town. My husband worked hard to get her info off so we could close on our home. In XXXX we got divorced, my credit only had slow pays on did due to financial problems of divorce. In XXXX, I had to refinance my home, when my credit was run I found Experian had put this person back on my credit report SS number, address, bankruptcy, we went to same Dr 's Hospitals, etc. My SS # was also on this report dated XXXX actually there were XXXX SS # 's on it. It also shows a bankruptcy, I 've never had one, and this still shows on my report today. When I reported this report, They told me to prove it was n't my info. I had pulled my CR from the other XXXX companies and their reports were right and had half the info, I asked them how come those were right and Experian were wrong, where did they pull those SS # 's from. They still insisted I fix this. In the mean time I had to refinance my house at a higher interest rate 7.9 because I could not get all this cleared up in a timely manor. It 's at least XXXX or more problems not XXXX or XXXX. I worked XXXX jobs and a single Mom with a small XXXX son, there 's no time to hang on a phone. The only help they offered was to quickly remove the wrong SS #. These errors have followed me for years. They have ruined my credit, forced me to pay cash, not letting me establish credit, purching cars at extremely high rates, or for cash only. My bank stopped giving me small loans because they thought I defaulted on my loans. She and I banked at same credit union. That was n't me!! It was the other person, she filed bankruptcy!! They need to be held accountable!! Now I see debt that should have been removed years ago showing derogatory until XXXX? I have all my old Credit reports showing there errors. I thought they were formed to protect us not to hurt us!!
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: TD BANK US HOLDING COMPANY (MD)

A target in-store cashier convinced me to open a Target Credit Card when I already had one open as of 2015, and the cashier told me I did n't have one opened in the past. Now it 's on my credit report and now I have XXXX Target Credit Card 's when I 'm not even using the XXXX. I called Target customer service who said that he would close my new card that the cashier opened for me recently and that he would close the card after transferring the owed balance to the old card. That does n't resolve the issue because that 's now on my credit report for a unauthorized credit pull as I was lied to about not having a red card opened in the past when I clearly did.
Consumer complaint received 2015-09-28
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (GA)

I applied for an FHA refi loan with Quicken Loans. They checked my credit and estimated my house value at {$190000.00}. The rep said I had to submit {$400.00}. good faith money in XXXX hrs or the loan was null and void. I said I thought this was unusual, and that I was a XXXX citizen and I did not have a lot of extra money. He said it was required to process my loan. I submitted the money. I was then asked for a lot of other documentation which I provided and they said was okay. Finally an appraisal was ordered. The appraisal came in {$40000.00} under what I was told. I questioned the appraisal and the comps. I even had the listing agent to my home and she agreed with me. She said property taxes alone showed a difference but beyond the differences were apparent to anyone. I contacted the CEO of QL, XXXX XXXX, who simply forwarded my message to XXXX XXXX to handle, the rep who asked for the {$400.00}. QL then sent the appraisal back to the same appraiser and asked if it was correct. He said yes. In the interim I was contacted by XXXX XXXX of QL who asked me if I had {$31000.00}. to being to settlement. I said no, I was not giving anyone anymore money.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I had been working with Wells Fargo for a loan modification for quite some time now. Recently I was denied a loan modification a 4th time after being told i did not make enough income to sustain an affordable payment. ( the first time i was denied for making too much money ). After verifying with XXXX XXXX ( Home Specialist ) that the income used was miscalculated, she informed that my file was noted by the Underwriter that they will not use my income. I find this exceptionally hard to accept as this is my home that i would like to save. My Husband and I lived here for many years before his passing and i would do anything to keep my home. I have even offered them 75 % of the past due amount in hopes that they would accept and allow me to make payments. The fact is that i can afford my payments, it just seems that Wells Fargo wants to take my home away from me. I would really like for Wells Fargo to provide me with a fair review of all my income and not exclude some of it. I show affordability, but now if they can only see that. Please help me save my home.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

We first off had told the company that they sold us a broken car and they weren't willing to fix it. We couldn't afford the payments any longer so when they came to pick up the care they threatened to Garnish my husbands wages. After they picked up the car I never heard anything else from them. I never got another call, nor received anything in the mail about what we still owed. I contacted them to ask about this and was advised of what was owed, I asked them to send me something in writing and never received anything. All of a sudden I get served a civil summons for the debt owed and on the paperwork it says I refused to pay anything and they attempted to settle the debt with me and so forth and none of that ever happened. I only knew about the debt from when I went to try and apply for a new loan and was told I had a repo and owed a balance.
Consumer complaint received 2015-10-17
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (WA)

My refinancing application was denied and all I 'm asking for was a formal letter of explanation as to why. I believe I have a right to request this. I have emailed several times. I was told they have 30 days to respond and will have to through their compliance department. The 30 days have already passed so I sent a couple of emails to follow up but have not been answered.
Consumer complaint received 2018-03-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I have a total of {$100000.00} in student loan debt - {$82000.00} of which are from private loans. Every month I'm responsible for paying {$1300.00}, which I struggle immensely to afford. My largest burden is to Sallie Mae - {$970.00} each month. I've contacted them several times over the years trying to find amenable options to help to deal with this debt. I've used up all my Forbearance options. The last time I spoke with them reaching out for help and asking for lower payment options ( I believe XX/XX/2016 ), they told me it was not possible and that either my cosigner needs to pay up or that I would have to just default and then see what happens then. My cosigner is unable to help out with the loans. Even with a cosigner, I don't qualify for consolidation or refinancing because my debt to income ratio is too great. I'm swimming in debt, and barely have enough to cover my other expenses like housing, medical bills, food, etc. I need.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
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. (IN)

Consumer Report File # XXXX concerning Civil liability for willful noncompliance by continuing to report transactions and experiences on my consumer report which are in violation of 15U.S. Code1681a ( 2 ) ( i ) amongst other... .SEE ATTACHMENTS...
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (FL)

I 've dispute XXXX aka XXXX for years and they have ruined my life for years when the account is not right. I try to submit the letter where it should be removed and they say the file is too big. They do everything they can to harm individuals. Additionally, they report an extra address that 's not mine and refuse to remove it. I live at XXXX XXXX XXXX XXXX XXXX XXXX, they have a second address as XXXX XXXX XXXX XXXX XXXX XXXX that 's a typo and all these extra, incorrect addresses hurt my report, yet they do n't care one bit. I 'm a single mom and they 've destroyed my credit for years claiming they investigated, yet your records will show every time I actually investigate myself, it 's removed. I 'm a single mom and this has been my nightmare. This company does n't care.
Consumer complaint received 2020-10-19
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)

Dear CFPB, I notice inaccurate information reported by EXPERIAN regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off on XX/XX/XXXX and closed. 

EXPERIAN violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX and reports account type OPEN under the Collection 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$2900.00} on the credit report shows {$2900.00} 4.Delete this account, because it shows an incomplete account number. Correct account number # XXXX ; on the credit report shows # XXXX XXXX. Delete this account, because it shows Past Due {$2900.00} a Charge Off/Close Collection Account must show {$0.00} Past Due. 



Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EXPERIAN Credit Report and circled the violations, EXPERIAN violated in red color. 

EXPERIAN must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. 

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.XXXX XXXXXXXX Balance Owed : {$8600.00} XXXX XXXX XXXXXXXX Balance Owed : {$9200.00}
Consumer complaint received 2017-08-16
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. (FL)

I have consolidated some of my " XXXX XXXX XXXX student loans '' as of XXXX XXXX 2017.
I make my payments as per the contractual schedule ( CONSTANT PAYMENTS OVER 30 YEARS ), using automatic payment, despite all the problems that they cause along the way ( ie deactivating my automatic payments without notice ) Navient charges the integrality of my payments to interests, nothing to principal. This increases my interest rate by more than 30 %, is not in agreement with my contract, and the BALANCE REMAINS SAME SINCE FOUR MONTHS DESPITE THE PAYMENTS.
The detail of the allocation of payments, fully available online, confirms that Navient fraudulently ( on purpose ) applies all and any of my payments to interests and fees, breaching the loan contract and misappropriating the portion of the funds that should be applied to the reimbursement of the loan to the XXXX XXXX XXXX.
I have contacted the customer service more than ten times, spoke with the customer advocate and wrote to her several times, and addressed a complaint to the audit committee of the board of directors of Navient. The customer service answered to me that they had reviewed my account and refused to escalate my complaint ; the Audit Committee, in charge with internal controls compliance, did not answer.
The customer advocate told me that she had sooo hard time understanding why I was complaining about how Navient handled my payments, after all, " all they did was collecting the monthly payments almost for the amount agreed ''.
The next day, I found that the CFPB had started in 2017 a lawsuit against Navient for exactly that. How unexpected was my complaint for misappropriation of my payments?! ...
I am writing to you because the trail of my case shows that Navient is in the business of breaching the contracts by modifying the systems, telling to customers that all is fine, and refusing to correct the very obvious fraud when it is reported. I am trapped with Navient. If I reimburse my student loan, they will apply my payment in full to interests, as usual.
The abuse is so systematic and the absence of internal control so total, that it s not possible to believe that this is " just a material weakness in internal controls over fiduciary duties ''. Let 's note that if it was " just lack of controls '', per XXXX it is enough to send the top management of Navient to prison.
Navient appears to be in the organized business of taking down as many US graduates as they can, while also depleting the ability of the XXXX XXXX XXXX to extend loans to new US students. An anti American purpose.
My suggestion to the victims : let 's charge them with our own " assessed fees '' and subsequent " late fees '' if they do n't pay us our own assessed fees. We need to make the idea of stealing from student loans way more expensive than the efforts to service the loan with the highest standards of customer service.
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: BARCLAYS BANK DELAWARE (NY)

I was starting my small business in XXXX XXXX about two years ago. I ordered an XXXX computer using the Barclay credit card which offered what I thought was 2 years no interest. It turns out it was XXXX years deferred interest. This was not clear to me at the beginning nor was the amount I would end up be charged in interest if I only paid the minimum payment every month. I was n't made aware of the coming interest charge until a month before the deferred interest kicked in. The interest charge on my XXXX bill was a {$1500.00}. 

I have struggled to keep my business afloat in a tough market in XXXX of the most expensive cities in the world. I am a XXXX. My rent and expenses are a burden. Suddenly, I have been hit with a over {$1500.00} interest charge. Its a disaster for my business and for me personally. I believe the terms on these cards need to be VERY CLEARLY stated to people interested in using them or out-lawed all together. That XXXX, the most profitably company in the world, does this to small businesses and everyday consumers is a disgrace. I fully expect to pay interest on credit but this is just a dirty trick.
Consumer complaint received 2022-09-06
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)

Im contacting about Experian I have a account and address on my report been there since 2014 thats not mine sent over ftc respite sevral times since 2014 they tell me every time it will remove in 24-72 hours and never does I need this issue fixed asap in 24-72 hours of receiving my complaint
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022 someone called my phone from chase banks phone number so I presumed it was a bank customer representative & I asked them all the questions you would ask a representative I'd number what department & so on. He confirmed everything. He proceeded to say someone was hacking my account so I needed to move my money I thought I was talking to a chase rep so I trusted him. So I gave him the codes he messaged me & everything else thinking okay my money for my bills is going to be safe I never thought Id be getting scammed. He proceeded to take all of my money & after he learned I had no more accounts he hung up on me that's when I knew it was a scan. I have the phone number he called from I have a scam blocker on my phone so it got through because it was a legit number have the emails & everything the bank is denying my money because they're saying it was an authorized transaction when I clearly was not approve of this. I'm XXXX on a fixed income only get paid once a month & that was all the money I had left. I really need it. & they just said no. I don't understand why they wouldn't protect their customers or let them know a scam is going around either because i wasn't aware of it at all. If you need anything from me let me know I have it all. Please help me. Thank you.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (FL)

I have been disputing several inquiries that are reflecting on my Equifax Report since XXXX XXXX. Equifax have removed several inquiries and at other times their response is that I need to contact the creditor to get the problem resolved. This contradicts Equifax previous action by conducting an investigation confirming the inquiries were not authorized then removing them from my credit report. I am requesting that Equifax conduct themselves like they previously did and conduct on investigation to the following disputed items ( inquiries ) XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX FLORIDA XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX EQUIFAX MORTGAGE SERVICES XXXX/XXXX/XXXX XXXX XXXX # XXXX XXXX/XXXX/XXXX Please carefully review some inquiries from the same company that ran my credit on numerous occasions.