davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent out dispute letters to TransUnion in regards to unauthorized and falsely reported items being reported on my credit report. It has been well over 45 days and I have yet to receive any information on the results of their investigation. According to the FCRA failure to provide any information after 30 days, the items must be deleted.
Consumer complaint received 2020-07-20
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: JPMORGAN CHASE & CO. (KS)

My credit card was used to make charges I did not make. My drivers license was photographed along with my credit card and false transactions were made on my card. I have tried to resolve these differences with Chase with no success.
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

The creditor has contacted me and I have no knowledge of this debt. I have contacted my attorney to dispute this debt. The amount of this debt is {$560.00}. Therefore, I'd like this account deleted from my credit reports from all bureau. 

Thank you.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reporting my identity stolen. There is one credit card, one collection, and one Bankruptcy on there that is not mine. I also have family members with names similar to mine. The there are addresses on my report as well that are not mine, I never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX
Consumer complaint received 2020-07-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL (GA)

Synchrony Bank, collecting for Lowes called at XXXX XXXX XX/XX/20 and had called several times after XXXX ; XXXX. I have paid the debt in full so won't be in contact but would like for you to remind them to do the right thing. 

thanks,
Consumer complaint received 2022-04-03
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. (AL)

The reasons why this is violating my rights by not following Federal Law as Authorized.

The Federal Credit Reporting Act Requires the CRAs ( Credit Reporting Agencies such as yours to have PHYSICAL COPIES of the contract documents signed with creditors bearing my WET INK signature that are being reported, but everything that is being reported here is transferred electronically, not face to face or by mail. This means that you the Credit Reporting Agency do not review and or verify any credit application, signed contracts or any documents whatsoever that you are reporting and that is in direct violation of the law. None of the items listed below BELONG TO ME and have NOT been verified and or validated as belonging to me and are considered fraudulent and should therefore be deleted immediately.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

XXXX is continuing to report false and old information from XXXX XXXX. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.
Consumer complaint received 2021-11-03
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC (VA)

I have been attempting to close on a deed in lieu agreement with the mortgage lender on my home for over 6 months and I have been getting the run around about why it has been delayed on various occasions. My husband passed away and the home needed too much repair for me to sale it and pay off the mortgage so I applied for deed in lieu and over and over again I am being told that there's an issue with title on their end. They're saying that title was not cleared correctly when the loan changed hands to a different servicer. They will not provide a timeframe and have it's so difficult getting additional updates from them and the file has been escalated to management a number of times, supposedly. My husband is gone and I am not living in the home any longer and I just want this to be done. I need help getting someone to step in and finish this out.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (AZ)

XXXX is continuing to report false and old information from Wells Fargo. It is reported in spite of being past the period for reporting. They are refusing to remove it in violation of he FCRA.
Consumer complaint received 2020-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (WA)

On XX/XX/XXXX, I received a call claiming I owed {$200.00} for a gym membership debt with XXXX XXXX in XXXX IL with an account number of XXXX. I live in XXXX Washington and have never had a gym membership with XXXX XXXX or ever been to XXXX, IL. On XX/XX/XXXX, I received a letter/bill demanding payment from First Credit Services in XXXX, IL. I called their number to let them know that I've never had this account. Their representative claimed the account was opened in XX/XX/XXXX. I XXXX  XXXX XXXX XXXX Illinois during the call, and that search revealed that the company went out of business in XX/XX/XXXX, more than 2 years before my supposed contract date. I believe I am a victim of either identity theft or the target of a scam by the collection agency.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNCOAST CREDIT UNION (FL)

Since opening the account with Suncoast Credit Union. First my card would just completely shut off or decline transactions for absolutely no reason or explanation as to why it was happening. At one point transaction would say declined but I was still having the funds taken out even though I was paying for the items by other means, I provided receipts to show that I did so. On XX/XX/2020, Suncoast Credit Union accused me of falsely getting a XXXX Loan and XXXX Loan. After being accused I said I was filing complaint against the Credit Union and the next day my account was put on a restriction. After calling I was told that I needed to send in all information I submitted to obtain my loans in which I did. Then the customer service mentioned deposit from an out of state unemployment were disbursed into my account back in XXXX and XXXX. Deposits I never noticed because of the low amount. I asked why would they even accept the deposit being that it wasn't in my name and it was from an out of state unemployment and they had no response. My latest issue is that I filed another dispute in regards to transactions that were paid for by other means. I did the dispute back on XX/XX/2020 and also provided receipts showing I paid by other means. I was told I would have an update within XXXX business days and we are now on the XXXX business day with still no explanation.
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (MO)

XXXX XXXX, a hotel, charged me {$250.00} for a " smoking fee '' because they said they seen me smoking inside the hotel room. I called and complained to the manager because I DONT EVEN SMOKE. The manager hung up on me and I made a claim with Wells Fargo. Wells Fargo credited my account for the {$250.00} but they just took it out today. I am not going to have {$250.00} stolen from me. This is absolutely ridiculous and complete theft.
Consumer complaint received 2021-11-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (SC)

The date the account was supposedly open was XX/XX/2020, amount owed to this company is {$1400.00}. I never open an account with this company, I don't do pay day loans and never gave anyone my permission or personal information over the phone or computer to get money. I realized that this company was saying I owed them when I was checking my credit and I know I don't owe them nothing.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have a credit card with Bank of America and have been a customer for nearly a year between XXXX. I have excellent credit and have paid the full balance on my card on several occasions. I always make extra payments and pay over the amount due. However, I am still being charged the full interest rate and I'm a military member. I sent in all of my documents for SCRA eligibility twice and am awaiting a response. I have asked for lower interest rates but am being told that the rates are going off of eligibility during a supervisor conversation on XXXX XX/XX/XXXX. I discussed the fact that my credit is excellent and my rate should be lower. It's lower on all other cards. I would like in inquiry into equal lending practices because I believe my interest rate is higher due to being a XXXX  and female. Bank of America has had discrimination issues in the past with lending. I do not believe these issues have been resolved.
Consumer complaint received 2018-07-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ad Astra Recovery Services Inc (TX)

I initially disputed this item in XX/XX/XXXX to have it verified and validated. I received notice that the debt was verified but did not receive proper documentation in accordance with both my request and according to the FDCPA, FCPA, along with the corresponding local state laws in which I have and do reside in. I was also advised that the account would be listed as disputed in their updates to the credit reporting agencies. However, as required by the FDCPA Section 807 ( 8 ) this was not done. I was to find out that this has not been done as far out as even my XX/XX/XXXX reporting period. I made a 2nd attempt sending a letter in XX/XX/XXXX, to request proper validation only to receive the same incorrect documentation which still is in violation of the aforementioned regulations. On the XX/XX/XXXX, I sent a final goodwill letter to request that the company place the " notice of dispute '' on my account within the period required by law, which again was and has not been done even though I received the same form letter stating that it would be. Lastly, after searching the Secretary of State 's Debt Collector 's Database and finding no information, I submitted a request to the company to produce proof of a valid debt, as well as advising them of the " notice of dispute '' issue, and also requesting that they produce confirmation that they were legally bonded to collect debts in my state. This letter was sent out on the XX/XX/XXXX and signed for on the XXXX of the same month. To date, I have not received any proof that this company was or is in possession of a Surety Bond for my state and the last letter I have received from them was on the XX/XX/XXXX which was another form letter exactly the same as all the rest but still not in compliance with the applicable laws.
Consumer complaint received 2019-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CO)

My parents and I attempted to REFI my home with Wells Fargo to do a couple of things. We needed to pay off an existing HELOC on the property which is in my grandfathers name and to pay off some credit card and auto loan debt. Things were going fine from what we could tell. Then our mortgage processor contacted us requiring closure of all credit cards and confirmation of such. My parents closed all of their accounts as requested before I could stop them. Only AFTER the cards were closed did the processor contact them and say not to do it. Then Wells Fargo proceeded to back out of the loan. This has caused significant financial hardship for my parents. When we contacted Wells, they did an internal investigation and concluded that they did nothing wrong. But their actions have negatively affected my parents financial situation as well as their FICO scores. They are now refusing to work with us on resolving this issue
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

First, I 'm told by the bank contact provided that I will have an answer by XXXX XXXX. -- to the simple question I asked in XXXX. 

Then, I receive a notice that it will be XXXX XXXX. 

Today, I received a notice today that the bank will contact me sometime within 60 days. 

It took the bank TWO months to send a notice that they will respond sometime in the next TWO Months? What then? Another notice that the bank will take another 6 months to send another notice? 

This is not reasonable. The bank has the information -- they had it when the provided the work-out plan -- in XXXX XXXX and they had it when they sent the confirming paperwork in XXXX of XXXX and they had it when they sent the final paperwork in XXXX of XXXX. The bank is refusing to disclose essential financial information to me - the consumer. 

What purpose does it serve to not provide me with the proper, lawful disclosures of financial information? I did NOT ask to renegotiate or change anything -- I simply requested the specific numbers for principal, interest, insurance, and taxes.
Consumer complaint received 2020-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (IL)

If I recall in either late XXXX or XX/XX/2020 AMEX reduced my credit limit by {$2000.00}. I was never late with a payment nor had any prior issues with the company. During that period I was dealing with hardships that included issues in my apartment that made it uninhabitable, and I was paying for the repairs and services ( due to landlord 's refusal to pay ). I pleaded with AMEX not to reduce my credit at that point, due the hardships. I was using multiple credit cards to pay for the expenses, since I am XXXX and was receiving XXXX. At that point I was not making my minimum payment on my XXXX XXXX, as I could not afford to make all minimum payments on the credit cards along with paying for apartment repairs. I then did not make a payment on AMEX because I needed to keep up my other cards which still gave me a little credit to utilize during the emergencies I was dealing with. I tried to work this out with them, and they refused. They then sent me a minimum payment amount of {$760.00} due by XX/XX/2020, which I was unable to make, but did try to call them. They had already sent my account to a collection agency. This has adversely affected my credit rating, and I am unable to pass a credit check to move out of my uninhabitable apartment, which conditions in my unit are adversely affecting my XXXX. I have since been on a payment plan with XXXX to restore my rating, and have been able to make my additional 2 minimum credit payments with XXXX and XXXX. I have subsidized housing, but still need to pass a credit check, which I can not do anymore. Prior to this, my credit scores were averaging XXXX. Can you do anything to help me or advocate for me? Thank you.
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I took out a student loan with Sallie May during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around XXXX. After graduation I was struggling to make ends meet with no job and a new baby. I called Sallie Mae several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called Sallie Mae and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to Navient. Same as Sallie Mae I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call Navient they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe $ XXXX and I must pay now and there is nothing that I can do about it. Why didnt Navient perform their due diligence to give me a call and place under a repayment plan. I do not feel that Sallie Mae nor Navient performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are correct.
Consumer complaint received 2022-09-14
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. (IL)

XXXX XXXXXXXX XXXX is reporting wrong credit score to me! 
They don't update credit scores every month and fail to report payments on time as well! 
I contacted XXXX XXXXXXXX XXXX many times to fix this error but each time they said they will and never did! 
They show a credit score of XXXX where Experian who provides them with credit score shows XXXX! 
I contacted Experian and they said to me XXXX XXXXXXXX XXXX  has not updated my credit score since XXXX of XXXX! 
How does XXXX XXXX XXXX manage to report false credit score on my mobile app!! 
They are not fixing this!
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 I called Bank of America to report fraudulent charges on my account amounting to XXXX and they stated they would investigate and they would submit a hardship form so I may obtain a temporary credit. They closed my case and determined they were valid charges even though I have no idea why I was charged that amount
Consumer complaint received 2017-06-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (TX)

This debt has been on my credit for over 7 years since  XXXX  now we are in  XXXX  each time. I have been contacting this company for the longest time to removed, but its still on there. The debt was taken by my ex who knows the owner of the dealership. I have been disputed this item for years I would they verified a debt with who they spoke with was there a confirmation number given??? How would a creditor verify a debt without sending proof of signature documents the name of the person who helps me obtain this debt? Please look into this matter this company been seaming people for years and I am so happen to be a victim.
Consumer complaint received 2023-02-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (CT)

Every since I got the vehicle it had been nothing but troubletrouble needing it to be fixed because the warranty on it was only 60 days.after that I was on my ownthings started to get a bit slow for me income wise and I fell back on my payments which led to the company repossessing the vehicle twice.to get the vehicle back I had to pay high fee which did not go towards the amount that I owed, when I asked they said the payment was the repo fee and I still had to pay what I owed.also on my credit it says my the vehicle is repossessed and left a negative reviewAlso I feel like I was ripped of by this company that gave me a bad used car with bad parts and high payments.not to mention the harassment for payment because they call me nonstop right through..day and night back to back which cause me to stress.