davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

On XX/XX/XXXX XXXX XXXX XXXX sent Convergent Outsourcing a letter for Validation of a alleged dent. They have been reporting this inaccurate information since the year of XXXX. I have sent them a second notice about the debt not being validated and I spoke to a representative from XXXX by the name of XXXX on XX/XX/XXXX who put in a dispute over the phone. Til this day the alleged debt remains and needs to be deleted from my consumer report immediately.
Consumer complaint received 2021-10-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I do not own this account. Please remove off credit. 
Collection Agency NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2600.00} Amount {$2600.00} Status Date XX/XX/XXXX Status UNPAID
Consumer complaint received 2019-08-20
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2019 I received letter changing credit card ( USAA ) fees. Cash Advance Fees  would be fixed at 3 %. On XX/XX/2019 I received promotional " convenience '' checks ( USAA ). The letter clearly noted these checks carried a {$75.00} maximum per transaction Fee. The promotional letter has no expiration date. 

On XX/XX/2019, I cashed a convenience check, provided with the XX/XX/XXXX promotional letter, in the amount of {$30000.00}. USAA charged me a cash advance Fee in the amount of {$900.00} or 3 %. 

I contacted USAA directly. USAA refused to honor the XX/XX/2019 promotional letter and referred me to the prior XX/XX/2019 change of terms letter. I believe this to be misleading if not fraudulent, and, quite frankly, I am shocked given my 25+ years of banking and insurance experience with USAA .
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: WESTERN UNION COMPANY, THE (CA)

Attempted activating a Western Union gift card. Made more than 30 phone calls and received a message stating " Call Later '' No one answers the phone. Spoke to more than five people, and no one knows what to do. I had a Western Union representative call a special number, and they got the same run around as I did. I can not activate the card. I received the worst service ever. When someone didn't know what they should have, they hung up the phone.
Consumer complaint received 2019-10-23
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)

My identity was stolen ; I have filed 2 police reports with my local police department and the FTC 3 times. I have a picture of a woman with a different race using a drivers license with my information from when my taxes were filed ; and I have an open insurance claim with XXXX for the theft. 

Experian took it upon themselves to add back a XXXX XXXX account that had been previously blocked and then when I called them they said that they were going to dispute it with the creditor ; which is a violation of my Federal rights.
Consumer complaint received 2023-03-23
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. (FL)

XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all XXXX credit bureaus show a 3 year history of late mortgage payments of XXXX, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all XXXX bureaus without the issue being resolved.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NV)

My recertification date listed on my studentaid.gov site lists XX/XX/XXXX as my recertification date for my income driven repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year.. Mohela is insisting that I need to recertify my income now which is outside the Federal guidelines. I have reached out several times to Mohela to no avail. Please assist me with getting my recertification date extended to XX/XX/XXXX.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

In a certified letter dated XX/XX/XXXX I requested Equifax and XXXX  to delete several accounts from my report. 

Per U.S. Code 1681b ( 2 ), the consumer must provide written approval for an account relating to that consumer to be reported by any consumer reporting agency. I have not given such approval for the referenced accounts. These accounts have used my personal identifying information without my implicit written authorization, which is Identity Theft as defined in 15 USC 1681q ( 3 ).

Instead of deleting the accounts, Equifax merely removed the name of each account but still kept the information on the report. 

On XX/XX/XXXX I called XXXX  to request for certain accounts to be removed, per the above referenced laws. One agent refused to listen to what those laws said and mistakenly said it's not allowed, another said I needed authorization from the creditor, and the 3rd said I needed to submit a dispute for each account. So far, only some accounts from the deletion request were removed from my XXXX  report. Case # XXXX
Consumer complaint received 2020-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on my current student loan. I disputed these student loans account with both Nelnet and to all the 3 credit bureaus and i was shocked to them on my credit report today. It continues to report incomplete, and unverifiable information. I also read here in cfpb that student loan companies were sued for not applying for the payment correct into the student loan accounts. Also hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2020-04-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I completed online application on Simple.com to open an account. The website requested that I submit my social security card for verifying my identify. So far, I've completed this step of sending multiple images of my social security card to Simple and they have yet to open my account. The representative that I spoke with on XX/XX/XXXX told me that a real person had viewed my documents to verify my identity, but they couldn't use the document because all four corners of the social security card wasn't visible in the image. I was told that regardless if the social security number, name and signature was seen on the card, the image wouldn't be used and wouldn't be accepted as proof and I would have to keep repeating this process. So far, this account isn't opened, I submitted the documentation that asked for, yet they refused to use it to open the account.
Consumer complaint received 2020-05-18
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. (TX)

XXXX # XXXX remains on credit report. This vehicle was totaled. The date of loss was XX/XX/2017. The vehicle was involved in an accident, we were not at fault. The {$12000.00} plus was paid on the vehicle per attorney, XXXX XXXX. Also, there was inaccurate information reporting. The date of last activity is inaccurate, credit bureaus reporting different dates. The date of first delinquency with original creditor is not reporting. Collection accounts should not have any one month terms. Account reporting 120 days late, can not update lates on a monthly basis. XXXX and XXXX are reporting the same account on my credit report. I did not sign any agreements or terms with a data factoring company. I am aware if the information is inaccurate with the credit bureaus ; the account must be deleted. XXXX has been deleted from my spouse 's XXXX account. I have attached documents for this account.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (GA)

On XX/XX/2020, I faxed a request to Equifax to have a bankruptcy public record removed from my credit report. I included a request for removal, a copy of my driver 's license & social security card and a copy of my letter from XXXX. The letter from XXXX XXXX was received on XX/XX/2020 and stated that they were unable to verify the bankruptcy info included in my consumer report so they removed it. I received a response back from Equifax dated XX/XX/2020 stating that " The information you disputed has been updated ... The bankruptcy is currently reporting as discharged ''. The letter also states that the public record item they obtained was by XXXX. I did not request a change, I requested a removal of the item based on XXXX not being able to verify the information. I spoke with a XXXX rep on XX/XX/2020 and was informed that there is no public record on my consumer report and that no one has requested a copy of my report within the last 30 days.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (NV)

Per the Fair Credit Reporting Act ( FCRA ) section 611 the credit reporting agency is required to give me the method of verification used for a dispute that they stated was verified no later than 15 days of my request. I am exercising my rights under the FCRA section 611 by requesting the method of verification used for the dispute Experian stated was verified and accurate. Report number XXXX, Account XXXX XXXX XXXXXXXX, Date XX/XX/2023.
Consumer complaint received 2020-10-29
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-29
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: AMERICAN EXPRESS COMPANY (WA)

On or about XX/XX/2019, an authorized cardholder reported the account as potentially compromised which would trigger a freeze on the account until a replacement card was issued. 

Request XXXX  respond to : 1. Does an authorized cardholder have the right to initiate the process of an account freeze pursuant to a report of suspected activity compromising the security of the account? 

2. If yes, why was the account not frozen until a replacement card was issued?

3. If no, please cite specific regulations and/or internal policies that support.
Consumer complaint received 2020-08-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

The mortgage servicer failed to foreclose on an abandoned property in a timely manner. This caused negative impacts to the XXXX XXXX ( XXXX ) and its residents in several ways : - Delinquent assessments and collection fees. XXXX assessments have not been paid since XX/XX/2019. Delinquent assessments currently exceed {$2000.00} and continue to accumulate. The home has degenerated into a poor condition with associated loss of value so the XXXX does not expect to recover these assessments when foreclosure eventually occurs. These costs will ultimately be paid by the XXXX and its members. 
- Security issues. After the property was abandoned, it became a magnet for squatters who broke windows, stole parts of it, and aggravated surrounding neighbors. The XXXX expended resources to board up the doors and windows to discourage squatters. These costs will ultimately be paid by the XXXX and its members. 
- Property maintenance. To reduce blight, the XXXX continues to expend resources to mow weeds in the front yard. The XXXX is now considering considering turning the water back on so it can restore the front lawn. These costs will ultimately be paid by the XXXX and its members. 
- Reduced property values in the neighborhood. The abandoned home is an eyesore and a security risk and we believe it has reduced the value of nearby properties. This is difficult to quantify, but the home next door was recently on the market for sale several months longer than expected. 

The XXXX asked the mortgage servicer to help in this matter but without success.
Consumer complaint received 2020-05-18
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: Santander Consumer USA Holdings Inc. (FL)

I think a fair resolution to my issue is to remove my account I've paid this company in full what else do you want from me. They are reporting inaccurately stating that I was late XXXX of 2017 to XXXX and XXXX but yet stating I paid on time to XXXX  i don't understand. Your inaccurate reporting is hurting my character, reputation, and ability to get get approved for funding for new home. I've learned my lesson as a young adult to not do business with companies like Santander these companies are very inconsiderate and have no sympathy for their clients only for profit I Do Not Recommend doing business with this company they ruin your life and credit profile cant forget the ridiculous high interest. All im asking for is to please remove my account from all 3 credit bureaus i would like absolutely no ties with this Company thank you. 

I sent out sent out a dispute letter trying to get this resolved but they responded with a screenshot this does not help my complaint.
Consumer complaint received 2023-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have reached out to these companies many times stating that I am a victim of identity theft and they keep ignoring my request to delete these unknown inaccurate accounts and addresses. They keep updated information on these closed collection and charged off accounts which is continuing to destroy my name and lively hood. These companies have not sent me anything in writing or contacted me in. I'm exsperiencing hardships financially and mental because these negative unknown inaccurate addresses and accounts.
Consumer complaint received 2020-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Budget Planners of South Florida, Inc (CA)

Dealing with the company National Budget Planners, the sales representative, XXXX, XXXX Ex XXXX, who repeatedly made material misrepresentations about the actual lender who would be buying out my loans if I am consolidating, telling me that XXXX is a private entity and my load would be bought out directly by the Department of Education ( lied about the actual entity who would be buying out my loan ), and also promised that by consolidating I would not loose my history of prior payments under income based repayment, which the representatives at XXXX confirmed is completely false. They were also attempting to charge monthly fees to " maintain '' my application. This is a dishonest and fraudulent company that nearly cost me over {$100000.00} in prior payments, and should be shut down and disciplined accordingly.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

IT'S CARD FROM FROM ESPICALLY 2014 UNTIL TODAY - ALL I HAD. PLUS I WENT TO GET COPIES OF EVERYTHING - I HAVEN'T RECEIVED ANY MAIL AROUND 2 YEARS. I KNOW SOME IN MY HOME I USE TO OWN - WHICH WAS TAKEN FRAUDLENTLY. A POWER OF ATTORNEY WAS USED VOIDED 4 WAYS. SEVERAL LIVING THERE ARE INVOLVED. BUT I CAN'T GET HELP EVEN FROM REGIONS BANK. I KNOW ONE INVOLVED PAIED THE BILL 'S OF OTHERS.
Consumer complaint received 2020-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (VA)

My mother has a car loan through Wells Fargo and she DIED on XX/XX/2020. I have submitted a written request, a faxed request, and a verbal request to have the money I paid on her car loan refunded to me after she passed away. It's 3 payments ; XX/XX/2020 of {$370.00}, XX/XX/2020 of {$360.00}, and XX/XX/2020 of {$370.00} for a total of {$1100.00}. I was not on my mothers loan and am NOT financially responsible for the debt. Today I was informed by XXXX, in the Beneficiary Department of Wells Fargo Auto Loans, that Wells Fargo doesn't give refunds. I commented several times that I would be reaching out to the XXXX  and she completely ignored my comments. Due to not being financially responsible for this debt my money should be returned to me. In VA we have to wait 60 days before filing anything with the courts about someone passing away ... the payments were necessary due to not knowing how the courts would handle my mothers affairs. They did also state that I was not responsible for this debt if my name is not on it. My attorney also verified this fact.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

A large amount of money, the exact amount specifically was sent from my account to another person. I know that I did not do it and I could not figure out how did that happen. I contacted cash app several times and had several conversations with them about it. I requested of them information on the device that was used in the transaction however they refused to give you that information saying that it was a privacy concern which was crazy to me because I am the account holder so how I'm not even privy to information about my own account and my own transactions eludes me. I about a dispute, a couple of them actually but they were denied. I needed the information from them to help figure out what happened. The transaction in question was very suspicious considering that the person who received the money was somebody who I had made a transaction with several months earlier. It turns out the transaction was made using a device that had been stolen from me and whomever stole it use that to transfer money to this person who coincidentally they knew as well. When the transaction was made I immediately requested a refund from this person which was denied and I did everything I could to receive and recruit my money and cash app was very unhelpful in helping me investigate or get back my funds. They would not give me information on the device that was used nor the location device was located at when it was used had they done that then more could have been done
Consumer complaint received 2023-03-23
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible.
Consumer complaint received 2022-04-08
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. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$5700.00}