davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
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: Experian Information Solutions Inc. (NY)

Division of Child Support Amount {$990.00} XX/XX/XXXX NYS Department of Social Security Services Amount {$1700.00} XX/XX/XXXX These accounts must be removed immediately. They do not belong to me an they are not LINES OF CREDIT. I will file a lawsuit if they are not removed.
Consumer complaint received 2017-11-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been providing documents to Wells Fargo bank for the last five years trying to qualify for a loan modification and for five years Wells Fargo some reason or another keeps miss reading or mis documenting my file and every time because they miss read or misunderstand my documents they reject my loan modification request, for example the last letter of rejection that they send to me on XXXX XXXX, 2017 it was mailed to a wrong address and in that letter they gave me 36 days from the date of that letter to file an appeal for that decision while the letter was sent to a wrong address when I asked them to fax me a copy of that letter by the time I got this copy it was too late to appeal.
In that letter they mentioned the reason for the rejection 1- NPV saying my house is worth {$850000.00} where as my house is the most worth {$700000.00} 2-they mentioned my income to be {$9400.00} where my income that I provided documents to the bank is {$10000.00} per month, which it should keep my DTI at 37 %.
Every time I reapply for a modification the Wells Fargo find a way an incorrect way to reject my modification request where meanwhile my loan balance is going up and I am drowning under so much debt.
Wells Fargo has made up an attorney representation given to my real estate agent without my consent and has been refusing to speak with me due to that until recently that my real estate agent wrote to them questioning that decision and writing and asking to revoke that attorney representation and asked the bank to communicate with me. All these excuses to delay and reject my request for modification?
I would like to direct your attention to the attachment under attarney representation page 2 of 5 the reasoning for rejecting the modification request and the RMA attachment showing how much income I am claiming.
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (NJ)

On XXXX XXXX, 2016 i received a notice from Stoneleigh Recovery Associates alleging that i owe a debt to XXXX XXXX Medical Center i advised them in writing that i previously disputed that debt with the original creditor XXXX XXXX Medical Center and the debt was canceled and removed from their records as a result of identity theft also under the Fair and Accurate Credit Transactions Act. I continued to received phone calls from the debt collector threatening me about paying this debt that was previously satisfied and deleted under the Fair and Accurate Credit Transactions Act.
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION (VA)

In XXXX of this year Fraud occured on my account. My wife and I reached out to get this corrected. The fraudulent activity took my checking account into the negative. There was a starting balance of {$0.00} and after the fraud my line of credit absorbed the negative amount and began to accrue interest. I was credited back the wrong amount to cover the fraud. Since XXXX I have attempted to resolve the situation in a polite and respectful manner multiple times. I have gone into a branch, I have spoken with the fraud department, and I have spoken with collections. BBT now Truist has violated the Fair Credit Reporting Act by incorrectly reporting fraudulent activity which is neither fair nor accurate reporting. I have suffered credit damages from this and I demand that the requested adjustments be made. I have contacted legal counsel at this time and though I am not yet represented, we believe that there is a basis for a suit under the Fair Credit Reporting Act. The CFPB is now aware of the situation and I hope a resolution can come to fruition before a suit is filed in Federal District Court. I have also requested that a 10 day payoff be sent to me and I have not received a response in online banking. I will NEVER do business with BBT now Truist and I will actively recommend that people do not use your services based on my experience. I am utterly stunned at the lack of communication, the lack of attentiveness to detail, and finally the lack of customer care in this situation. 

XXXX XXXX at the XXXX branch however has been very helpful in assisting me but the rest of the organization Performs at a sub par level.
Consumer complaint received 2021-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

On XX/XX/XXXX we found that we were victims of check fraud. Our credit union recommended getting a new account number immediately. Our Navient loan was due on XX/XX/XXXX. I updated all of our banking information with them XX/XX/XXXX or XX/XX/XXXX for our auto payments. We went on vacation the week of XX/XX/XXXX and found that our payment did not process when we returned. When I called them they stated that I did update my information but it did not process for some reason and did a manual payment over the phone. When the payment did not process they increased our interest rate from 2.875 % to 4.125 %. I tried to get this reversed since we were victims of fraud and was told to fax in my last statement showing our old interest rate since they did not have record of it for some reason. I stated I had a letter from the bank stating the fraud and new account number as well. Once reviewed they did not reverse the rate. Our payment for XXXX is still not set up on auto pay and I was told to do a manual payment and autopay would be in effect for XXXX. Of the 40-50 different places I had to update my banking information with, Navient is the only one that did not process this immediately ( other than the US Treasury who required notarized documents ). This is ridiculous they would take 2 months to update information you have submitted which guarantees they will take away your discounted interest rate reduction for on time payments and auto pay. The way the are set up, if you change banks they will penalize you for this.
Consumer complaint received 2017-11-17
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: EQUIFAX, INC. (FL)

TODAYS DATE:XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OF XXXX XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX UTILITIES/FUEL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the  courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-08-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I am requesting date of death balances for multiple accounts. I made the request in person to customer service rep XXXX who advised me that his manager XXXX was out on vacation until XXXX XXXX. I have left XXXX messages with XXXX since XXXX 's return to have her call me to advise me of the request status. I have not heard back as of XXXX XXXX.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation (NE)

On the day my vehicle was repossessed my balance owed on my account was {$86.00}. When I talked with Bridgecrest they indicated that I owed {$490.00}, which would be the {$86.00} plus the original payment amount that was not yet due. In order to get my vehicle back they wanted me to pay {$1400.00}, which was impossible. This all happened in the midst of the pandemic and no offers were given to me to be able to catch up on the {$86.00} that was not even past due at the time of repossession. My account showed current the entire time. I was unable to come up with the amount they wanted to get my vehicle back so I allowed them to keep it. Almost 2 years passed before anything showed up on my credit report. I have received no communication from them whatsoever and there are no options available to pay on my account.
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I believe Bank of America disables customers ' alert settings for low balance, overdraft fees, and the like. This has happened twice in six months to my husband - he 'll find out that he has been getting charged XXXX dollars in overdraft fees once a week or so, based on an unexpected charge that bounced - but will have never received an alert about it, despite having enabled cell phone, etc. alerts on the account. Last time he called Bank of America to complain, they claimed that it was his fault because his alerts were not on - obviously, they had updated their system at some point and turned his alerts off. We went online and turned his alerts on after arguing with the bank for an hour - Just now we found out the exact same thing had happened again, and went online and sure enough his alerts settings were enabled for every kind of contingency except overdraft / low balance. I believe they should be investigated for this practice.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (OK)

On XX/XX/XXXX I spoke to CS rep. They were charging me since XX/XX/XXXX a card protection fee I said I did not approve this charge, the women said that it would be refunded back to the beginning when the fee started XX/XX/XXXX, in the amount of {$400.00}. Two weeks later I received a letter stating they would on go back 6 months. They credited me {$25.00} total I think this is unfair and unjust please help. 
Thank you XXXX XXXX
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

I have disputed the accounts on several occasions asking for verification of the debt, update the account status to paid ( I sent the paid letters to the original creditors ) or delete account information because it was reported by a collection company on the credit report. Each request has only come back ( from the original creditor ) account information is updated ; nothing ever changes. My main issues are with XXXX XXXX and XXXX XXXX XXXX. Each time I call to speak to a representative about updating the status to paid, they tell me they I will have to call different departments because not all of the accounts are in one place ; although, the address to all accounts are in Florida. PRA refuses to update the status or delete although the items are paid and the original creditors are still reporting as well. XXXXXXXX XXXX is also reporting some of their accounts as well as the original creditor. XXXX XXXX is the last creditor.
I disputed with the CRA onXX/XX/XXXX ; XX/XX/XXXXand XX/XX/XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KY)

Jefferson Capital- Reference # XXXX I responded to an email this past month. It alleged that I owed {$470.00} from a XXXX bill dated XX/XX/XXXX. The last time I had a XXXX account was in XXXX. 

When I spoke to the person from J.C., they demanded my SS # to start the investigation. I refused. On XX/XX/XXXX, I received an invoice. 

I have worked in the XXXX XXXX XXXX  for 25 years. This effort has all of the " smell '' of a phishing scam! I know that there are companies attempting the prey on conscientious XXXX  who typically respond to unsolicited email transmissions.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent a settlement offer last month to the point of no avail, so I am sending it via XXXX to ensure this reaches the collection agency. I am asking Portfolio Recovery to please respond to this offer via XXXX to avoid miscommunication. Please see the attached settlement letter which is dated, and time stamped.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NE)

On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.
Consumer complaint received 2024-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NY)

Mortgage was transferred to a new company in XX/XX/XXXX and included all escrow accounts and monies held. In late XXXX I received a past due notice from my insurance company that my payment due XX/XX/XXXX was past due. I reached out to the mortgage company and was told that I did not have escrow setup on my account in spite of the fact that they include escrow in my monthly payment and are holding escrow funds. Multiple attempts to resolve this have been unsuccessful. Today I called and was once again told that the insurance payment is my responsibility.
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

This letter is a formal complaint that Credit Bureau has reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but their inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I been sending to the bureau disputing letters numerous times I have green receipts proof from post Office of delivered my letters but Bureau has neglected my request. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2016-10-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

On XXXX/XXXX/XXXX, I requested for a car loan for {$4000.00}. The lender issued me a Personal loan with 26.51 % interest ; but the contract document says it is a Secure loan with the car as collateral. The contract does not say Personal loan anywhere ; but the loan-writer verbally classified it as Personal loan to rationalize the high rate. In practice, I was given a Car loan with Personal loan rate. I requested the lender to modify my interest rate from 26.51 % to 16 % in XXXX XXXX. The lender refused. The lender added additional items ( disability insurance, life insurance, fees, and cash-back ) without clear explanations and wrote a loan of {$4800.00}.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

Citibank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX We started this short sale on X/XX/17. We have been trying to gain closing approval for the last 3 days and have been having several issues with Citi : 1 ) Vesting -- - XXXX XXXX, the closer, demanded that vesting be changed stating that title had to be in the sellers individual name and not his trusts name per their vesting that existed when the loan was taken out. The only problem is that the loan was take out in the name of the trust with the seller as trustee ( See attached Title Report and Recorded Deed of Trust ).
2 ) Patrick demanded that the buyers closing disclosure ( CD ) be altered in a way that would be both a TRID and RESPA violation. He demanded that the closing date on the Buyers CD, which is actually the consummation date ( the date the buyer signed loan documents ) be changed to match that on the sellers CD. This obviously ca n't be done as California is not a table closing state and our lenders do not table fund. ( See page 5 of the attached Understanding TRID Forms ) 3 ) Contacting XXXX to discuss this has become almost impossible as we have been told that he no longer has a telephone and leaves his intercompany IM turned off. The only way that we have been able to get XXXX to respond to us is by calling someone else in Citi and having them walk over to XXXX building to see if he is there and ask him to actually open his emails. When this was finally done, and XXXX  finally responded, he stated that the closing date on the buyer CD is required by federal law. WE have, in fact, verified that this is a lie and that this is something his department has made up. ( Again see page 5 of the attached Understanding TRID Forms. ) Have the negotiators at Citi actually received TRID training and specifically training on how to read a buyer side CD? I can tell you the answer is NO. I should also state that we have closed over 2500 short sales ( and multiple with Citi since TRID went into effect ) and this is the first time a buyers side CD was requested.
So my real question is why is this being done? Why are we being asked to put title into a name that is not on the original loan docs? Why have demands been made to violate federal law with violations of TRID and RESPA? Is this just the attempt of someone that is extremely overworked to push a file aside for later review?
We would like answers as to why there have been multiple illegal servicing activities on this short sale file since its beginning ( Please see our CFPB Complaint Filed XX/XX/2017 Case # XXXX ). What is going on at Citi? A lack of staffing, training, ethics?
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the XXXX XXXX account to be removed from my account.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

I do not recognize and authorize the following inquiries. This is caused by fraud. 
RESIDENT VERIFY Date of Inquiry XX/XX/XXXXXXXXXXXX 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 XXXXXX/XX/XXXX