davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
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. (GA)

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 XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : 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 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I received an email from Wells Fargo Home Mortgage informing me that my home mortgage loan was being transferred to XXXX XXXX XXXX. The email from WFHM claimed that it was a follow up email, even though I had NOT received any previous correspondence from WFHM that my mortgage loan was being transferred prior to XX/XX/XXXX, nor have I received any information about the transfer from either WFHM or from Specialized Loan Servicing since XX/XX/XXXX. As there has been no follow up info, I don't even know for certain if my loan was transferred to XXXX XXXX XXXX. My mortgage is due on the XXXX of each month, with a grace period up to the XXXX of each month. I went to pay my mortgage on WFHM website on XXXX, but they would not allow me to pay. I sent them an email and still have not received a response. I've contacted XXXX XXXX XXXX and have not received a response.This situation is absolutely ridiculous. I have received no info about the transfer of my mortgage loan and I am unable to make a payment. As has been demonstrated with multiple complaints against Wells Fargo Home Mortgage, I already am more than aware that they are a corrupt and dishonest company. Once more I have been forced to file a complaint because of their dishonesty and incompetence.
Consumer complaint received 2017-11-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NY)

I XXXX in a Title 1 school for a period of time in excess of 5 years. According to the XXXX Loan Forgiveness program, I was eligible to have up to {$17000.00} of my student loans forgiven due to this work experience. I was eventually ( it took a tremendous amount of time ) approved for the forgiveness, only to have my loans transferred to a new company before the forgiveness was applied. The forgiveness was never applied to my loans and the new company has refused to honor the previous approval. Also, due to my financial status I have had to keep my loans in forbearance, accruing more and more interest charges for amounts I likely will never be able to repay.
Consumer complaint received 2018-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tribal Lending Enterprise, Inc. (NJ)

On XX/XX/XXXX I made arrangements to payoff an old loan at a discounted amount of {$400.00} contingent on a re-loan which I was told was approved. Payment of the {$400.00} would be made on XX/XX/XXXX At no time did I authorize an automatic withdrawal of the {$400.00} from my checking account. I was to call on XX/XX/XXXX and at that time process the payment and process the new loan.

On XX/XX/XXXX at XXXX  I reviewed my checking account to see that an automatic withdrawal of the {$400.00} had taken place. I telephoned the company and spoke at at least ( 10 ) different people indicating to them that I had not authorized an automatic payment and requested that the transaction be stopped and or reversed and the {$400.00} be restored to my account. They indicated they had made a mistake by not informing the withdrawal would be automatic and they could not issue the new loan or stop/refund the {$400.00}. This was a typical bait and switch and that the {$400.00} was gone.
Consumer complaint received 2022-04-01
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: TRUIST FINANCIAL CORPORATION (TN)

Truist bank has pulled my credit multiple times without my consent and This is the individual that I would like to formally file a complaint against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Direct To Consumer | XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Email : XXXX XXXX
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (GA)

There are 2 merging issues.

1-In XXXX, XXXX my husband lost his job. In XXXX, we filed Chapter XXXX bankruptcy. At that time we were waiting on a loan modification decision from XXXX XXXX XXXX XXXX sold the loan to XXXX XXXX XXXX who modified the loan and raised our interest rate from 2 % to a predatory 7 % rate and gave us no options but to agree. We struggled to keep up with the {$1000.00} payment increase and fell behind. I lost my job due to COVID-19 in XXXX, XXXX and we were unable to make the payments. Then we were told that the investor, XXXX, was foreclosing on oh home and had a sale date of XX/XX/XXXX. We hired an attorney from XXXX XXXX to stop the sale. While waiting for a modification, another sale date of XX/XX/XXXX was scheduled. That sale date has been cancelled as well. However, XXXX XXXX XXXX and XXXX are REFUSING to allow us a fresh start modification, despite us providing evidence that we can now afford the payments. 

2- on XX/XX/XXXX, XXXX XXXX XXXX claiming to be a representative from XXXX XXXX  of WSFS Bank XXXX called me. He said that we had been approved for a loan modification. He gave me case # XXXX and said my mortgage payment would be {$1400.00} ( taxes & insurance ) and our interest rate would be 3.5 %. But first I had to pay an escrow balance of {$2000.00}. Believing that the loan had Ben sold by h investor and a modification had been approved, I gave XXXX XXXX debit card information to secure the loan. ( When I asked him to email proof of the loan modification, he said I had to pay an escrow balance first. ) After putting me on hold to process the payment, he returned to the phone and said that his financial system was incapable of processing my debit card or banking information. He instructed me to purchase XXXX XXXX XXXX or XXXX XXXX cards at {$500.00} each and call him back with the information. Sensing fraud, I called WSFS Bank to verify the loan information. I was informed that I was not in their system. When I did not call XXXX XXXX back with the prepaid card information, he called my phone 15 times in harassment. I finally had to block the numbers he was calling from.
Consumer complaint received 2021-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

my loan processor sent me a letter saying they did not pay supplemental tax bill from my escrow account. That I now need to pay the property taxes plus interest and penalties. 

I was not watching for property taxes because I had done an escrow account and taxes were to be paid from that account by my loan servicer I believe what happened is when I purchased the home the original property tax bills were paid by my loan servicer. But in California another bill is sent because of the increase in assessment amount based on the purchase price of the home. 

I refinanced about 6 months after closing. 

My servicer some how missed the supplemental bill and is now wanting me to cover the taxes and late charges.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of Attending XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was Navient. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.
Consumer complaint received 2021-02-08
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)

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Consumer complaint received 2020-05-05
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. (MN)

Missed payments for my XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX credit card is incorrect. I have never missed or had a late payment with the above creditors. All of my payments has been on time.
Consumer complaint received 2018-01-05
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. (WI)

I 've had federal student loans in repayment since my graduation in XXXX. I paid off all but two of my loans that were being serviced by Navient without missing a SINGLE payment as of XXXX. I received an email from Navient on XXXX/XXXX/XXXX stating that my last two loans would switch over from the previous company ( XXXX ) to Navient. At this time, I was paid ahead on these loans with NO payment due for at least 18 months. After receiving the first email, I received a second email on XXXX/XXXX/XXXX stating again that Navient was taking over and quote : " Expect a brief pause in service. It may take a few days to complete the transition. During this time, your account information will not be available. Any payments you make to XXXX during this time will post to your Navient account once the move is complete. What happens next? Watch your mailbox. Once your loans are on our system, Navient will become your new student loan servicer. To let you know when it 's official, we 'll send you a welcome letter including your new account number and our contact information. '' I received nothing additional in my " mailbox '' as I was receiving all paper statements from XXXX. On XXXX/XXXX/XXXX I received the third and final email from Navient stating, " XXXX, now that your loans are with us, make the next move ... to XXXX. '' with a link to click ; AND THAT WAS IT. Never once did I received a phone call, any additional information in email, or by postal mail. There was no account information, no phone numbers, no emails to contact Navient, nothing. That is until XXXX, XXXX when I received a paper statement ( or bill ) in the postal mail that showed Navient had added an additional $ 2,000+ to my account balance with no explanation as to why. 
I have spent hours on the phone with Navient, calling their off shore and on shore call centers as well as their corporate office in Delaware and have not gotten ANY, real tangible documentation as to how they added over two thousand dollars to my account balance, just poof, its there and now you owe it. There is no documentation of interest rates, fees, balances, nothing ; not even on their website. I need help as this company is literally scamming people out of money. There are times when I call the call center and I literally have to opt out of TV, Internet and road side assistance programs BEFORE I can speak with someone! Total Scam this company is!
Consumer complaint received 2020-05-05
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. (MN)

The following collection account listed on my XXXX XXXX and Trans Union credit report, is fraudulent and not my account : XXXX XXXX, a debt of {$5000.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Minnesota. The debt is fraudulent, the result of identity theft and not my debt. The following credit inquiries listed on my XXXX XXXX  and Trans Union credit report is fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. The credit inquiries are fraudulent and unauthorized.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi, I had previously set up an automatic recurring transfer of my unemployment funds to go to my bank account, however when I get my funds I get an email alert saying that the transfer did not go through. I also tried doing a one time transfer, so i think that maybe both of those inputs may have clashed with each other, and it's now pending for weeks. I'm unable to cancel the pending transfer.

I haven't been able to make any transfers for a few weeks now. The Bank of America site no longer gives me the option to change any settings regarding transfers. I emailed them 3 times with no reply. I called their customer service line and the customer service people said that they can't cancel the pending charge either and that I maybe just have to keep waiting it out.

I'd appreciate any other solutions if you have any. I need to pay off my credit card but can not if I don't transfer my unemployment funds to my bank.
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admiral Holdings, LLC (MN)

Im receiving letters and telephone calls of harassment, abusive and profane language, garnishment of my bank accounts, death threats and threats of being sent to jail and prison continuously from Admiral Investments , LLC debt collectors. The debt is a fraudulent debt and is the result of identity theft. The debt isnt my debt. Admiral Investments, LLC., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and Minnesota law.
Consumer complaint received 2021-09-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items below Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY XXXX  per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance 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 under FRCA and pursue legal action.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX, found a credit card for XXXX XXXX issued by XXXX on my Experian credit report that I did not apply for or authorize. Clearly, there is identity theft. That card was issued in XX/XX/XXXX and closed by XXXX in XX/XX/XXXX. I submitted my complaint to XXXX in early XX/XX/XXXX, including a police report from the XXXX XXXX Police Department, to have the credit card removed from credit report. After numerous attempts with XXXX via mail, email, and phone to find out the status my complaint throughout XX/XX/XXXX and XX/XX/XXXX, I still don't know the status of my complaint at XXXX. I want that credit card removed from my credit report because it is lowering my credit score because whoever opened it was late on XXXX payments. I am never late on any of my credit cards in my 32 years of credit history. I want my credit score restored.
Consumer complaint received 2021-09-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P. (IL)

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance 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 under FRCA and pursue legal action.
Consumer complaint received 2021-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.