davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OR)

I have provided every document asked for and Mr Cooper continues to use fraudulent household expenses to deny me. They say I don't make enough to afford everything but then show me expenses that I don't have and at not point provided to them either. They repeatedly put me in a position to contract the virus by requesting and rejected the same documents over and over again. I am an older man and high risk, my health and life should not be played with by these people.
Consumer complaint received 2015-10-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

My private loans through AES are outrageous. I have tried to work with them. They give you no options to repay the loans. They keep tacking on fees and other charges. Each time I call I get a different story from XXXX of the customer service people. It is never the same. I am drowning in debt because of them. I have been unemployed numerous times over the last couple years. I call and they tell me i have to pay anyways. There is no income repayment plans. Nothing.
Consumer complaint received 2022-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Uplift, Inc (TX)

On XXXX XXXX we cancelled a cruise financed by Uplift. The account has been been paid in full for months. I notified them that the bank account used was closed on XX/XX/2022. I requested that they update my account so my refund would in fact go back to me. They refused and stated that it would be refunded back to the card that was used. This card was deactivated on XX/XX/2022 when my account was closed. Uplift is showing that the refund was successful, however the bank stated that the arn numbers given by uplift to track refund were not legit numbers. The bank has no record since the account was closed. Uplift informed me to send documents showing that the account was closed from my bank. I provided this and was sent an email stating that they could not use this documentation as proof although thats what was requested. They informed me I had to wait until the bank sent it back to Uplift. XXXX XXXX has no record of the refund being sent back even with the arn numbers provided. There is no phone number to call to speak to someone and they just chat the same thing. Now I was informed by uplift it could take 45 days for them to get the refund back from the bank. This company refuses to refund me my XXXX they owe me. It is a KNOWN fact that this is an issue with this company. Its all over their reviews.
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. (VA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate amendment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Identity theft report was filed as a result of finding inaccurate information on credit report file. All credit bureaus ( XXXX, XXXX, and Experian ) were contacted in regards to removing all inaccurate information off of credit report.
Consumer complaint received 2021-06-03
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)

XXXX XXXX is reporting payments late after an automatic stay as a result of a bankruptcy filling including the mortgage. They are not allowed to report any payment activity after the bankruptcy filing as it is a violation of the collections action of such a filing. I am requesting that they remove all activity from the credit report effective immediately from all 3 credit bureaus.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I fell that my school was place to high so that they can get extar money from me and my family!! It was way over price and the interest was way higher than I imagine before sign up and I try to get the best monthly payments but that was to late.
Consumer complaint received 2021-06-03
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. (CA)

XXXX XXXX is reporting payments late after an automatic stay as a result of a bankruptcy filling including the mortgage. They are not allowed to report any payment activity after the bankruptcy filing as it is a violation of the collections action of such a filing. I am requesting that they remove all activity from the credit report effective immediately from all 3 credit bureaus.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under late payments I have XXXX reported by my mortgage company. I was under a grievance for XXXX payments and then Thru a modification process. I was instructed not to pay during this period. After my trial modification period the modification was finalized and the account is in good standing. I am requesting this be removed from my credit report
Consumer complaint received 2015-07-15
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I would like to go on record stating that I to was a victim of Honda Car Loan Discrimination XX/XX/XXXX. I purchased a XXXX Honda Civic for my daughter. The sticker price was for XXXX. By the time they added taxes the total price was XXXX. I was told they had to charge XXXX to activate the factory built ( Honda ) theft device. Which in reality all they did was give me the keys and showed me how it worked.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : # XXXX, XXXX XXXX  XXXX : # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-03-28
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. (TX)

Experian is reporting inaccurate information for account XXXX XXXX XXXX. I do not think an investigation was done because the creditor informed me that Experian has not reached out for any information. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA- all data furnished should be accurate. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 16811 e b maximum possible accuracy if this account is not removed from my credit report immediately.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (NJ)

Some keeps calling from Allied Interstate that I can barely understand asking me if my last XXXX of my SSN is XXXX. It is not me, and even if it was, I would absolutely never answer that question on the phone to someone who calls me claiming to be somebody. There are scams going on everyday with caller ID spoofs etc. This should be a crime or against some laws. I feel threatened that my identity is not safe etc. These kinds of collection tactics are extremely distasteful and useless. They need to use a better approach as anyone who would let them know their last XXXX of their SSN without verifying who they were giving it to on the phone is gullible.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX XXXX, at approximately XXXX, I received an odd text message from Wells Fargo . It was so odd, that I wasn't sure it was really from Wells Fargo, so rather than answer it, I called them. Someone used my debit card number to transfer {$1900.00} out of my account using XXXX. Interestingly, the first XXXX times the transaction was presented, Wells Fargo denied it. They paid it on the XXXX attempt. The money left my account on XX/XX/XXXX. I started the complaint with the phone call on the XXXX, and followed up with another call on the XXXX. ( It took me XXXX minutes to get to a human. ) I was told to wait XXXX business days. After a few days, I got a letter dated XX/XX/XXXX saying that they had determined no money had left my account and the claim was closed. I assure you, the money left my account, and I can show you, if needed. I started another claim on Monday the XXXX ( as it took the letter a couple of days to reach me ). I spoke with a gentleman who told me he could see that the money had indeed left my account and so he filed the new claim. The XXXX days have passed, but I did reach out to Wells Fargo several times during the XXXX days, as I really need my money. Every time I reached out, I was told : " We are working on it. '' Someone will call you. '' " Someone will get back to you. '' None of that has happened. 
Here I am on XXXX XXXX of being out {$1900.00}, which is no small amount to a teacher who is not paid well in the first place. Please help me.
Consumer complaint received 2023-03-28
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. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union, like XXXX and XXXX, engaged in the same and related transactions, even after the investigations by each. They are wearing the same clothing of fraudulent providers of consumer credit trusted institutions. They engage in racketeering with the proximity of the cause in the administrative and internal control systems of their factfinders, debt buyers, and original grantors. Trans Union had published what became of my payment on XXXX XXXX, 2015, where the ACH went to the XXXX XXXX XXXX XXXX ( original grantor XXXX XXXX XXXX ) instead of the XXXX XXXX XXXX credit account, now own by a debt buyer, known as XXXX XXXX. Instead of sending the consumer the payment back promptly, it held it until after the cut off date and then transferred it to the right account. No one was monitoring the store until the flag date, which is not responsible collection activities. 

After it was transferred to XXXX XXXX it collected late charges and late interest. I received credits, but the automatic system kept the collection activities up with default fines and fees. I wrote written communications, Emails and made phone calls to a XXXX sales force putting profits before consumers and got no where. When I could no longer figure out what I owed, I stopped payment hoping I would get their ( XXXX XXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ) attention. When I did n't the debt buyers reported me to the credit reporting agencies. I have filed complaints against all necessary parties.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2020-09-11
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. (FL)

I am a victim of Identity Theft and Equifax is violating my rights under The Fairs Credit Act. I have faxed and mailed several documents to Equifax about fraudulent accounts, credit cards, addresses etc and they refuse to delete this information under the Fairs Credit Act. I have sent over my Identity Theft Report from FTC and IRS Identity Theft acceptance letter as well as statements, blocking letters etc. and they have refuse to remove this information from my credit report. XXXX and XXXX has already deleted these fraudulent inaccurate information from my reports but Equifax refuses to. EQUIFAX IS IN VIOLATION OF FEDERAL LAW AND VIOLATING MY RIGHTS UNDER THE FAIRS CREDIT ACT UNDER SECTION 605b. 

Last certified mail to Equifax Information Services, LLC XXXXXXXX XXXX XXXX XXXX, GA XXXX was mailed on XX/XX/2020 via certified USPS mail and Equifax have not updated and block these inaccurate accounts.They have also block my online access to myEqfuiax.com and are not responding to my disputes and Identity Theft claim. Equifax is in continued violation of my rights as a U.S citizen under the fair credit act. 
XXXX XXXX responded to my request and verified that the account was a result of Identity theft and had to force Equifax to remove this account. There are still 2 fraudulent XXXX accounts that Equifax has refused to delete under the fairs credit act. If Equifax continues to violate my rights under The Fair Credit Act.  I WILL FILE A LAW SUIT AGAINST EQUIFAX for DAMAGES FOR A NEGLIGENT VIOLATION if this matter isn't resolved correctly.
Consumer complaint received 2016-07-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (PA)

I presently have US Bank which operates my loan. I have paid them on time and the same amount for over a year without any issue. I am a good customer with a good credit score. 

I applied to US Bank for a VA Home Refinancing with Cash-out. I wanted to do home improvements and clean debt. My home appraisal came out to {$320000.00} and cost {$400.00}. During the initial process, I explained to XXXX XXXX and XXXX XXXX that I work for a captive law firm, and while my law firm was in existence for just over 14 months, the firm itself had operated in the same location, with the same client base for over 16 years. They said this would not be a problem. They were very responsive in the beginning, and i provided all documents timely. 

HOWEVER, all of a sudden they went radio silence. I find out the Underwriting team wo n't approve the loan because I do n't have two full years of business records for the firm. This firm employees over XXXX people and been operating in the same place and location for over 15 years. I had to leave five messages before I could get a call back to tell me the whole process was for not. When I asked why they did n't confirm underwriting would be ok with my situation before taking my {$400.00} for the appraisal, XXXX XXXX responded : " We do alot of business, to do thing, s one at a time would be too slow. ''
Consumer complaint received 2023-03-28
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. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX 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 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (FL)

I had identity theft per XXXX, XXXX, & XXXX in XXXX and XXXX 2016. These creditors denied XXXX credit applications due to the lack of verifying information. A credit freeze was placed in XXXX 2016 to protect my credit. Equifax inquiries from this fraudulent activity was disputed 3 times, but nothing was removed. A letter from XXXX XXXX and XXXX were received and sent to Equifax. XXXX refused to send a letter as they said it was all internal. Equifax merely said they are factual and did nothing. Please help in removing these inquiries : XXXX XXXX/XXXX/16, XXXX XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16.
Consumer complaint received 2023-03-28
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. (WA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: EQUIFAX, INC. (NJ)

My XXXX daughter is being solicited by credit card companies, and I am being told that I have to put a freeze on her credit files " if she has any '' ( which no one can tell me as no one has access to such ). " THE PROCESS '' is that I have to send confidential copies of her social security card, birth certificate, and a copy of my license with my address. I do not understand how as the guardian of my XXXX daughter I can not do this on the phone or online. Sending this information in the mail is the most insecure thing I can think of. Someone getting their hands on this would have all the information needed to falsify records and open false accounts, which is exactly what I am trying to prevent. I need assistance against the XXXX credit bureaus Equifax, XXXX, and XXXX.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION (CA)

I opened up a credit card with BBVA Compass. The credit card came with a promotion of getting XXXX points worth a {$100.00} statement credit after opening up the credit card and then making {$1500.00} of purchases within a time limit. I have made the purchases within the required time limit and have not received my points. I received a voicemail message from BBVA Compass on XXXX XXXX, 2016 admitting that I had met the terms of the promotion and that I would receive the points within 2 weeks. It is now XXXX XXXX, 2016 and I still have not received the points that I was promised.