davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-21
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian:XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX : XXXX.
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: Experian Information Solutions Inc. (FL)

I have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life. 
I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.
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: EQUIFAX, INC. (NY)

To whom it may concern, I am being hit with a hard inquiry from XXXX   XXXX  for the month of XX/XX/2020. I did not apply for anything XXXX   XXXX  or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.
Consumer complaint received 2018-09-21
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Broder Credit & Collection Service (NJ)

Broder Credit and Collections has called and hung up repeatedly, no message left. Tried calling back, no person, not even voicemail identifying the phone number as a business or even a person. The document dated XX/XX/2018, fails to identify the original creditor etc ; unlawfully shows fulls social security number, and also visible through envelope in violation of NJ Stat. Ann. 56:8-164 ( West 2005 ) prohibiting full exhibition of social security number. 
This company simply makes a demand be for money, encloses an envelope. 

A dispute was emailed to this company.
Consumer complaint received 2023-01-10
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXXm attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; If Experian and XXXX feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-05-31
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (GA)

Spoke with Navient representative XXXX on today I informed her I could make my payment today. However, moving forward for the next three months I will not be able to make payments due to being out of work. She began asking me personal questions on who can help me make my payments such as my cosigner I told her she is not working anymore she is XXXX. She then asked me if the childs father can make the payment. I find this question so unprofessional and personal this is her second time posing this questions Ive never had a company go down a list of people to help you make payments as if I havent thought of that my own. Then she asked it my parents can help and I informed her they were deceased. She stated there is no forbearance or any program that can pause or stop me from making payments until after my three month leave period and I begin my job back. She told me maybe by next month I can have something figured out to make these payments I find them so unprofessional and insensitive every time I speak with this company. I dislike them they are the worst private loan company a person can have. I get upset everytime I have to answer their calls. They dont care about customers they dont accept payments a customer can make. They do everything like poke in people personal business but accept what they do have to give. They need to be shut down already all the lawsuits they have received in the last couple of years!
Consumer complaint received 2020-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Wakefield and associates has multiple collections accounts on my experience credit profile I have disputed multiple times with XXXX and some of the accounts have been deleted but there are several they are claiming are verified as accurate and refuse to remove this is negatively impacting my credit score
Consumer complaint received 2018-09-21
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MA)

When I left the service I struggled finding employment. I found a job at the XXXX XXXX XXXX and started in XXXX. During the duration of the time I was unemployed I fell behind on two payments of my mortgage along with other bills. I called Navy Federal and asked if I could move my two missed payments to the end of my mortgage and they said no. I told them I had just started working and I was struggling to keep up. They said that I have X amount of money coming in so I shouldn't be struggling. 

I went to pull the dates and amounts of everything but Navy Federal Restricted my access to that information. 

In XXXX I submitted a payment around the XXXX. On the XX/XX/XXXX they took another payment. I called and told them I am expecting money from my work do to OJT that the VA will pay me. So once I get that I will get caught up and could they please give me my money that they took back. They said in order for me to get the money back I have to give them a date I will pay by or they won't give me my money back. I said the end of XXXX and they said thats too late. So I said the XXXX. The girl also told me that they will not reserve any future payments that they take. Fast forward to today. Navy federal took XXXX out of my account leaving me with exactly {$27.00}. I called and asked them to refund the money and that I had submitted a hardship package prior to this. They said that the hardship package is just an application and doesn't mean anything, They also said they are no reversing the money. I then asked for a loan to get me through the two weeks and they denied that. How can a bank leave a family of XXXX with XXXX dollars for two weeks? Especially because I have been trying to work with them. They are making getting back on my feet a nightmare.
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORIA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I am trying to reapply for a card but Care credit says my credit score is too low and Im not able to make payments or use my card anymore they closed my account due to returned payments 3 times in 12 months but they were in an hour period and I have never missed a payment I would like help reapplying for my card thank you
Consumer complaint received 2020-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

Once again PHH is failing to properly service my mortgage. Currently they are failing to apply my payments to my account or offer any explanation as to why. PHH received my XXXX payment on XX/XX/XXXX, I have the signed return receipt from the post office that shows the date they received it. On XX/XX/XXXX and again on XX/XX/XXXX I received emails from PHH informing me that they have not received payment and my home is in danger of foreclosure. On XX/XX/XXXX I sent a qualified written request asking for an explanation of what was done with the payment they received on XX/XX/XXXX. To date I have not received any response or acknowledgment that this qualified written request was received. Per the return receipt it was received by PHH on XX/XX/XXXX. 
In the beginning of XXXX I sent another qualified written request concerning people coming to my home and taking photos. Since XXXX of this year people have been coming to my home, taking photos, walking around on the vacant land and even driving up my driveway. All areas are clearly marked private property. During XXXX and XXXX there were numerous different people here doing these things. At least once per week someone was here taking photos. Some weeks there were several different people. Since XXXX there has been only one person that I am aware of coming and taking photos. This person is here almost every week. There have been occasions when its been less than a week between visits. PHH mortgage has told me that they have a right to check on their investment, my home, so I believe these people are coming here on behalf of PHH. I also believe that weekly or even monthly visits are very excessive. This feels more like harassment than a mortgage company checking its investment. I currently have another property and mortgage with another company, and in the ten years I have had that mortgage I dont think anyone has ever gone to the house to take photos. I am attaching photos to show what it looks like when this person is here. It is very disturbing and invasive. 
At the beginning of XXXX I sent PHH a qualified written request asking if these people have been here on behalf of PHH. I also asked if I am being charged for all of these visits. I requested a statement showing any charges that have been added to my account for these visits to photograph my home. To date, XX/XX/2020 I have not received any response from PHH. Per RESPA, mortgage servicers are required to respond in writing within five days of receipt of a qualified written request or notice of error. It has now been over 30 days since they received my first request and I havent gotten any response. I have sent a second qualified written request for the same information. 
I would like to know what has been done with my XXXX payment and my XXXX payment since that hasnt yet cleared my bank either. I would also like to know if these people photographing my house are here on behalf of PHH and if so am I being charged? Please send a statement showing all charges if I am.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 an account without my written instructions
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX, IL, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION # Name : XXXX XXXX My Name is not correct. Please update. 
Other Names : XXXX XXXX XXXX This is not my former name.
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo refuses to accept my monthly mortgage auto-payment at this time. In answer to my inquiry they stated that they are doing me a favor and they stopped my auto-pmts and that I don't need to make pmts for XXXX, XXXX or XXXX, and that there will be no late fees or reporting to a credit union, but they encouraged me to keep making my pmts if possible. I want to make my pmts now, and I am unable to do so. When I try to make an online pmt from any of my three authorized external bank accounts, I get a pop-up stating I can not make a pmt without having at least two authorized external accts ( Note : I have three ). I spoke with them on the phone and exchanged countless messages with them on their secure msg page on their website about this issue, and they continue to assure me that I am mistaken. I am not mistaken. And today I rec 'd a letter in the mail from them stating they have checked and that I indeed have three authorized external accts and that I can just go ahead and make a pmt if I insist. Minutes ago I again tried to make a pmt from all three of my authorized external accounts and I still get the pop-up telling me that I can not make a pmt unless I have at least two authorized external accts. I have sent them approx five or six msgs using their secure msg ctr stating this issue. Their snail-mail letter also stated that if I want to sign up for auto-pmts I need to send them a snail-mail letter requesting to do so, while simultaneously telling me they have discontinued auto-pmts during the crises. I am at my wit 's end with these people, and I suspect they are too busy distributing 'crisis loans ' to businesses [ with free gov't/taxpayer dollars ] to have the wherewithal to take care of my simple situation. All I want to do is make a monthly pmt asap, because if this is how they handle things, I have no confidence that I will be able to make timely pmts when all three come due on XX/XX/XXXX, which is also the date they say that I can again sign up for auto-pmts (??? ). And I am also concerned that I won't have sufficient funds in my accts to make three pmts at once due to who knows what will happen during the next two-and-a-half months. And bear in mind that I can not, repeat can not, make any pmts at this time. All of their confused and broken pmt protocols at this time signal to me that I may have a few hour window on XX/XX/XXXX in order to make my pmts and to avoid late fees and a bad mark in my credit. How can I expect it to work at that point when ALL of their mtge customers will be trying to make pmts, when it doesn't work now. I have been making timely auto-pmts for the five years I've had this mtge loan with Wells Fargo, and now I expect the worst. I simply want to make my monthly pmt.
Consumer complaint received 2018-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Financial Services Inc. (WA)

I have contacted this company several times in an effort to validate an account. I have requested that the company send me a contract with my signature binding me to the debt that they are claiming that I owe. However, the company have failed to validate the account. Other than me going up to the company in order to resolve other accounts, I would have never known I had this unverifiable account with the company. The company failed to contact me in regard to this account. In my opinion I think the company hold on to aged account in an effort to collect a higher return from interest. After researching this company, I have seen were the company overall profit has substantially increased in no time. I dont think it is fair that this company failed to communicate with me in regard to this debt, and I feel that the company is violating my consumer rights by trying to force me to own up to a debt that they have not fully validated. After I found out about this debt I requested the representative at the office to print out any copies of any documentation of any correspond that was supposedly sent to me and her response was she cant. I got the entire conversation of the representative unethical practice at this office. I feel that the company need to hire more people in the upper level other than the XXXX. Seem like this is the only person that you have to deal with because no one is in the upper level position.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Called and spoke with a supervisor who was not helpful and very short with her answers. She wasnt solution oriented when I told her I havent used my credit card all year long and havent used any of the benefits available to me. Also I havent seen any of the advertised promos. I told her its not fair and should waive my annual fee.
Consumer complaint received 2020-07-09
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. (TX)

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. Pleas

e delete this account.

Item # 2 : I dispute XXXX, this account balance is wrong. 

Item # 3 : I dispute XXXX  XXXX XXXX XXXX XXXX, this is not mines. Please delete this account. The company never sent me a notification of debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter.
Consumer complaint received 2018-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DE)

I made a large payment on my student loan on XX/XX/XXXX and received a notification on XX/XX/XXXX that the payment had not been processed due to an error in my account number. I made a payment of the same amount on the XXXX through the online system. I received another notification on XX/XX/XXXX that the payment was returned. I called the loan servicer on the XXXX to make the payment via the automated phone system. On XX/XX/XXXX I checked my bank account and saw that both payments had been withdrawn from my account causing me to overdraw, including the payment they informed me had not bee processed. I contacted the servicer to have the payment refunded and they informed me unapologetically that it would take no less than 30 days to receive the refund. I asked if the process could be expedited to do this being an issue in their communication but was denied.