davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Checkr, Inc (FL)

This company did a background check on me and committed a very serious error by placing in the report information that does not belong to me ; that is, the information is not about me and it is adversely affecting me personally and professionally. I have a clean record, with no problems whatsoever. Therefore, I am asking you to help me find out why this serious error was made and to resolve this problem as soon as possible, since it is harming my present and future prospects. For example, the XXXX company XXXX has rejected my application based on this error. 
I have a similar case regarding XXXX. I filed that claim with you all, and the case number is XXXX.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account with no prior notification or indication they were going to close it. They emailed me a notification 3 days AFTER they closed the account telling me it was closed. They closed the account on XX/XX/XXXX and I received notification on XX/XX/XXXX. I called BofA and they told me they had closed the account due to inactivity and they do not send notices letting people know they are going to close the account before they actually close it. I asked them to reopen the account and they said I would need to apply for a new card.
Consumer complaint received 2018-02-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VT)

In XX/XX/XXXX I bought this property in XXXX, XXXX. We owned a home in XXXX, but this was going to be our retirement home.The 30 year fixed mortgage was with XXXX XXXX at an interest rate of 6.875 %. When Countrywide went under the mortgage was picked up by Bank of America.With the housing collapse in XX/XX/XXXX-XX/XX/XXXX we couldn't sell the XXXX house ; we were paying on both mortgages. I was still employed by XXXX XXXX, but was " retired '' in XX/XX/XXXX. The XXXX house finally sold in XX/XX/XXXX, at which point we tried to refinance the XXXX  property.The 1st result was they agreed to a short sale, which we rejected. In XX/XX/XXXX we applied for a loan modification, which they made extremely unpleasant. In XX/XX/XXXX they approved a loan modification, decreasing the interest rate from 6.875 to 6.75 % .They said they couldn't change the term-18 years left, but we should pay the new monthly payment and at the end of 18 years we would owe them a final payment of {$750000.00}. So, in addition to a usurious interest rate, this would increase our total payments to them over the 30 years by another {$250000.00}. I'm XXXX, XXXX  military ( 23 years XXXX ), and have no income other than my XXXX   military XXXX, my social security, and disbursements from my 401K. The balance on the mortgage is {$820000.00}. I was hoping to achieve a reasonable interest rate and would have preferred a 15 year mortgage.Any help would be greatly appreciated
Consumer complaint received 2020-05-22
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 LOOKED OVER MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES AND ALSO FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES AND NEGATIVE ACCOUNTS HAVE CAUSED SO MUCH HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA WHO WAS ABLE TO DO THIS AND HOW IT WAS DONE. I AM CERTAIN THAT THE INQUIRIES AND NEGATIVE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. MY CREDIT HAS BEEN DAMAGED BY SOMEONE WHO STOLE MY IDENTITY AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES.
Consumer complaint received 2022-09-12
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-17
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: Bread Financial Holdings, Inc. (MD)

I have contacted the company and credit bureau twice in regards to this account and no response on the results or status. I have yet to receive original documents proving the the account is mines. This is defamation of character on their part and i am disappointed in this company for these inaccurate claims.
Consumer complaint received 2020-07-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery LLC, In the earlier response regarding disputed account # XXXX claimed that they validated my alleged debts, however : 1. The highest balance on XX/XX/2016 statement of {$2600.00} does not match the amount that you claim of {$3400.00}. No explanation of the difference and how they calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. 6. Charge off Amount is not provided. Also, please provide the same information for the second disputed account. 

Last, but most important - address on the statements ( XXXX, XXXX ) is not my address. My address is in XXXX and previous address in XXXX.
Consumer complaint received 2020-07-17
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2020-07-17
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.
Consumer complaint received 2018-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am requesting that Transunion immediately remove XXXX XXXX from my credit report. Please see the attached report from the Federal Trade Commission, and the letter I have sent to XXXX XXXX.
Consumer complaint received 2016-05-25
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: SRA Associates, Inc. (NJ)

Many times I overheard and observed Collection agents using threatening tones yelling in abusive tones over talking completely abusive to customers who are delinquent in repayments with auto creditors In addition many times company is unwilling to provide documents when requested There are many behind the scene violations which require continued investigations
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (FL)

I was approved for a motorcycle loan at a interest rate of 3.79 % and that was conveyed to me in writing when the bank draft was sent. After the draft was given to the dealer and deposited the bank then sent me a message to sign my loan documents. The loan documents now said an interest rate of 9.05 %. 
I believe this is a case of fraud since I was never advised of the rate hike or given a chance to accept or refuse the loan.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: M&T BANK CORPORATION (NY)

i am having a problem with a purchase that was made on my account for a product from XXXX that i return and still have not received my refund {$170.00} and i return the item back to XXXX and i still have not received a refund for this purchase i contacted M & T Bank Filled a Dispute for this Transaction on XX/XX/2021 and M & T Bank has not resolved this situation or provide me a provisional credit for this Disputed Transaction {$170.00} i contacted XXXX several time about this issue XXXX Told me that i was already refunded for this return purchase but for some reason i still dont see the money back on my Credit Card
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MD)

I have a private student loan with XXXX XXXX some time ago they sold the loan to Navient. There have been making auto payments out of check since 2010. I have also been making payment to Navient Both parties are claiming they own the loan and will not t tell me who owns the loan. Navient is most rude and hang up when you are communicating and tell me to contact XXXX XXXX. XXXX XXXX tells me to contact Navient.
Consumer complaint received 2020-07-14
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. (NC)

XXXX I filed this complaint yesterday and now I have found new information that this is still not corrected. This is what I found today - see attached file. I have been making payments in the forbearance agreement - XXXX XXXX was supposed to correct that but I wanted to send these two files - one I attached yesterday to the complaint number above and a new one I found today which still shows me being 180+ days late and that XXXX payment is late. I went online and paid the {$130.00} payment for the forbearance plan and in the account it stated I owed XXXX beginning XX/XX/XXXX as part of a Modification Plan BUT that clearly stated it begins on XX/XX/XXXX. XX/XX/XXXX paid the {$130.00} on forbearance plan payment of {$130.00}. This new report I found says XXXX payment is late ... ... ... how can this all be fixed?????
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

On XX/XX/2020 a total of {$6300.00} was stolen out of my TCF Checking account. I reported the theft IMMEDIATELY. I reported the theft while it was actually occurring. 

On the same day, I submitted a dispute to TCF. 

On the following day, XX/XX/2020 - XX/XX/2020, I submitted additional details to TCF including a policy report, IP Address logs, phone numbers, etc and explained that the funds were stolen by a person who fraudulently claimed to work for XXXX XXXX 

On XX/XX/2020, TCF informed me that they were unable to assist me in refunding my money because a " third party service '' was involved.

This is incorrect and it shows that TCF did not review the facts of my case. There was no third party service involved. There was only a person claiming to work for a third party involved.

I would like for TCF to refund my {$6300.00} because the funds were stolen. 

Please help me.
Consumer complaint received 2021-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: C/C Financial (CO)

Preferred lease was mailed a check in the amount of {$280.00} for the 90 day payoff on my lease. They kep saying it was not recieved. The check was mailed from a title company as I inlcuded it in my home closing. I kept calling and they said it was not there so my 90 day payoff deadline arrived. I did not want the lease/loan extended with added interest so I paid out of pocket with a debit card because my check supposedly had not arrived. I went back to the title company to have them cancel the check and low and behold Preferred Lease had processed my check on the prior to my debit card payoff. I then requested refund 3X to which I was told is was approved on the XXXX of XXXX and it would go back on my card ending in XXXX. Please pull this phone call it was on the XXXX of XXXX. The last CSR I spoke to on XXXX is now saying it was never approved and can not be returned on to my card. I will attach the processed check, Preferred lease owes me {$280.00}. They ended up firing the manager that was supposed to approve my refund, it was never approved. None of this was ever told to me. I have called 5+ times, and I just want my money back ASAP. XXXX, was extremely rude and condescending I really don't appreciate her calling me a XXXX and saying I did not have a refund.
Consumer complaint received 2021-03-25
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. (MI)

In XX/XX/XXXX, I was in an accident with grandmother, who was driving. The police and ambulance were called, and my grandmother was transported to the hospital in an ambulance, while I road to the hospital in the car of a relative who arrived on the scene. However, for the last 4 years I have had an item on my credit report from XXXX XXXX XXXX for {$500.00} due to me being billed for riding in the ambulance with my grandmother. I never rode in the ambulance, which is what the {$500.00} bill is for. I most recently contacted the original creditor ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX, and was told to contact my grandmother 's auto-insurance company to pay the bill, despite me not receiving the services for which the bill is for. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. Furthermore, there are 0 sections in the FCRA that prohibit deletion.
Consumer complaint received 2016-02-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

I have almost XXXX in student loan debt through Navient, previously XXXX XXXX. Several times over the course of my loan since my attendance for graduate school they have continued to increase my payment though I do not have enough income to pay such large payments with XXXX other student loans I pay every month. It has gotten to the point, when I called today, that they will not lower, reduce or settle my payments from almost XXXX/mo because I have a consigner and they show he can pay. They constantly call and hang up with both me and my parents. XXXX us into making payment saying they will 'find a way to get the money they are legally owed ' and told me that even though it is my loan, they show that I can not pay that amount every month, that unfortunately my father can according to their records so he will have to pay it. As you can imagine my father is no longer speaking to me as a result of this disillusioned student loan debt fiasco. No one will give me a loan so I can get them off my back for that amount. They are n't willing to settle one without both. They basically tell me I have no other option but to pay. The way they have spoken to me on the phone and told me it 's pretty obvious I ca n't afford it but that 's too bad my dad can. But they ca n't either. It 's an unrealistic request. On top of that, I have paid on good faith for a long time, they were never willing to release my father as a consigner though their website says after a year of good payments they will with a request. I have filed bankruptcy, I have tried to negotiate, I have called and tried to continue paying on time, now with the recent call today and their cruel attacks at my payment issues and telling me that 'obviously I need to get a second job to pay them. ' Has me at my last rope.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2020 i sent out a dispute letters about incorrect persoanl info on my credit report and on XX/XX/2020 a 60 day no response letter with no prevail of a response. I also sent dipute letters on XX/XX/2020 about some accounts that are not mine and need to be validated. and they have not responded for that either
Consumer complaint received 2018-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alpine Financial Solutions, Inc. (TX)

My name is XXXX XXXX and I am not sure where to turn. Someone told me that your company may be able to help me. I have been working on some things on my credit file and I believe that is how it started. Yesterday XX/XX/2018 I received a voicemail from a phone number of ( XXXX ) XXXX. The message stated that they needed to come by the house to have me sign a sale document and if I wasn't there they would go to my family members, so I called back to find out what this message was about they transferred me to someone else who stated they were trying to collect a debt from XXXX alarm system. The lady I spoke with stated if I didn't pay they will have a judgement held against us. 

I wanted to speak with my husband first because this scared me and I wasn't sure what to do. I spoke with someone that understands credit and was told that I do have a right to see the break down of fees and get a validation of debt. So today XX/XX/2018 I called the same number and spoke to XXXX he will not send anything that shows a break down and if we do not call him back today and take care of this balance he states do not bother calling back! 
Also he said the person that left me the message doesn't work for them but yet they left the same phone number I never said I would not pay the debt but what I wanted to see was validation of the debt and how they arrived at a balance owed. 

When I called back the number the answered the phone XXXX XXXX XXXX.
Consumer complaint received 2018-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (NY)

NCC is calling my home and leaving messages over many months to collect a debt not owed by me or any of household members. I contacted them many times but they keep bothering me and leave voicemails for person who is not a member of my household. They fill up my voicemail with message and call with different names, location and fake caller ids.
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX and XXXX of 2020, I filed a dispute with this credit reporting agency about the unverified account :XX/XX/XXXX Account number XXXX -- XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in ove r60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these two unverified accounts as of today. Thank you
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

My CC payment is due on the XXXX  of each month. The cut off for the statement is the XXXX of each month. I sent out the payment for XX/XX/XXXX on the XX/XX/XXXX and it posted on the XX/XX/XXXX, the same day as the statement cut off, thereby posting to the XX/XX/XXXX statement. I contacted the Barclays CC and asked to have the payment corrected to post towards the XX/XX/XXXX payment due as intended and they refused. I have maintained my account as agreed with them. I have never asked for any accommodations. I would like this one time mistake to be corrected and the payment be posted as I intended.