davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I paid the account in full for the amount of {$160.00} on XXXX XXXX XXXX. Still, the account was placed in collection for the amount of {$170.00}. I disputed the charges with the credit reporting agency, Transunion, in XXXX XXXX but they refused to close and remove from my credit report. 

XXXX and XXXX were provided the same information and has resolved the issue however, Transunion has failed to do so.
Consumer complaint received 2018-01-15
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. (IN)

I received an alert that my credit report had changed in XXXX. I found that XXXX XXXX XXXX reported a delinquent account with Experian. I contacted XXXX XXXX  XXXX and they agreed that I had never ever had an account with them. I then reported this to Experian and disputed the account and charge. Two days ago I received the report of their investigation and it said that nothing changed due to the company reporting things correctly. This is totally false and I 'm not sure they even talked to anyone from XXXX XXXX XXXXXXXX because I have talked to three people and none of them were able to find an account with my name and numbers on it.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I believe that the rate on my adjustable rate mortgage is wrong. The mortgage is a variable rate mortgage with the interest rate calculated by taking the published " index rate '' and adding a certain number of percentage pts. called the " margin. '' Under my loan agreement, my index rate is a 1 year LIBOR and my margin is 2.25 %. The Libor rate being as published in the XXXX XXXX XXXX. 

I received a letter from Citizens One Home Loans ( CCO mortgage co. ) ( Citizens Bank of Ma. ) stating that my new monthly interest rate would be 4.375 %. My rate change each 12 months can not rise by no more than 2.00 % with a margin of 2.25 %. 

I checked the Libor rate XX/XX/XXXX & XX/XX/XXXX and it was 1.89 %. According to my math, 1.89 % plus 2.00 % comes to 3.89 % Even if I add 2.25 % I still come up with a rate LOWER ( ( 4.14 % ) NOT 4.375 % which is stated they will charge me starting on XXXX XXXX 2019. Why is this wrong? 

I was also denied any access to speak to anyone in management so I am turning to you for help in this matter. Also, I was told by a clerk that the law states that my letter stating new rates had to be mailed out 75 days prior to my rate adjustment. Why? Did they figure my rate XX/XX/XXXX when my mortgage doesn't even flip until XXXX to grab a higher Libor rate? This does not seems fair or right. Please help me with this matter.
Consumer complaint received 2017-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP (MI)

Dear Investigator, Elanco Financial Svc. sh ows up on both our credit reports!   This account was never authorized nor opened by us and must b e Fraud!    We are DISPUTING this account and demand it be removed immediately from our credit reports.   Thank you,  XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-19
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. (SC)

I have contacted Equifax on several occasions.   XXXX  2017,  XXXX 2107, XXXX 2017. I have also mailed in certified letters om  XXXX 2017 asking for several hard inquiries that I did not do be removed from my credit report. I asked them to do a investigation. They have not provided proof that an investigation has been done. They also have not removed any of the hard inquires that I have requested for them to delete due to fraud.
Consumer complaint received 2017-07-14
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. (NJ)

Credit reporting agency is reporting a collection account in duplicate. In fact, the referenced account has not been updated on the credit report in one and a half years, since XXXX 2015, the dispute is XXXX, partial account number XXXX, which is reporting on EXPERIAN credit report number XXXX. This same duplicate account is already reporting to a newly assigned collection agency with the name of XXXX XXXX .
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-06-19
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. (FL)

I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.
Consumer complaint received 2017-06-19
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: VW Credit, Inc (FL)

I traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to VW credit. In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and VW Credit continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time. VW Credit is intentionally attempting to damage my creditworthiness.
Consumer complaint received 2021-08-13
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 my Equifax XXXX XXXX, you recently remove an account from XXXX XXXX and recently, you put their information back on my file because they gave you a different name to file it again to XXXX XXXX XXXX. It's the same account. 
I need you to remove this account immediately. 
XXXX  still needs to remove the account all together for falsification information. 
Account # XXXX
Consumer complaint received 2017-06-19
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. (MS)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone pass the 30 day mark and can not verify these accounts, unde r Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is to inform you that I have contacted XXXX Credit Bureau in regards to them having some incorrect addresses reported on my credit bureau report. They still have not addressed this and removed these addresses. If you would ever so kindly please help me to get these removed I would be ever so grateful. The following is incorrect : XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (MS)

On   XXXX   XXXX  , 2017, I received two letters in the mail from a debt collection called AFFILIATED ASSET SOLUTIONS, LLC about a medial debt was paid in full. In the letter sent from Affiliate it states that the current creditor is Pendrick Capital Partners. I have never had any debt with the said Creditor past or previous.. Also, the letter states that the original creditor is   XXXX   XXXX   XXXX   XXXX   .. I am sending documentation from the   XXXX   XXXX   XXXX   that I was mailed from there home office in  XXXX , TX which shows a  XXXX  dollar balance for the alleged debt. Also, I have checked the MS Secretary of State and Pendrick Capital Partners are do not hold a license to collect on any debt in the State of MS . I have included the original copies of the letters sent from the alleged collector which clearly the information listed in the letter ids a violation of my HIPPA rights.. My name, date of service, and where I had serves rendered were included on the letter which this information could have gotten into the wrong hands of a consumer which could have lead to id theft from my personal information being included in a debt collection agency.. I have never had any services from the company or the affiliated asset solutions llc.
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I opened Wells Fargo checking account with the offer. Within first 90 days get direct deposit of total {$2000.00} or more and then get {$200.00} cash advance. I have the minimum balance of {$500.00} into my account but even after 2 months of meeting that criteria, Wells Fargo hadn't credited {$200.00} into my bank account. I tried calling Wells Fargo multiple times but it's a very long wait after the confusing menu based IVR. there is no secure message or chat available once somebody log into the account.
Consumer complaint received 2018-01-20
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: EQUIFAX, INC. (NY)

Equifax continues to fail to look into this matter of Fraudulent inquiries on my equifax credit report, i have tried numerous times to get them to look into these fraudulent inquiries and have them removed from my Equifax report. 

XXXX XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-06-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

In  XXXX   2017  I was subject to debit card fraud. Someone or a group of someone 's took about  1200  dollars from my account, and it put me in a bind in terms of paying my bills. As a result of this I was unable to make my mortgage payment until the end of  XXXX  when I was able to borrow extra funds. I tried to make the payment online, but the next available date was  XXXX   XXXX  in terms of processing my payment. I believe t his may have resulted in a negative late payment on my credit report. I am formally asking that the loan servicer review the attached letter from my bank and agree to remove the late payment since I was the victim of  fraud.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ; Experian,   XXXX   XXXX   XXXX  . This is  Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

Got a call from my Mortgage company on Tuesday, XXXX XXXX, 2017 at XXXX. They were surprised on why Navient reported a deliquesce on my student loan account, for it being 4 months past due. They were surprised because in XXXX of 2017, when applying for my mortgage, they pulled my credit and I was, at that time, listed as " in good standing '' with Navient. My first question is how do you go from being in good standing to being delinquent for 4 months in two months! The math does n't add up, there has to be a mistake. <P/>After receiving the call on Tuesday, XXXX XXXX, 2017 at XXXX, I quickly called Navient to settle the issue. I paid the past due payments, bringing my account to paid in full. They took the money out of my account on Tuesday as well. I called everyday since Tuesday, ( Wednesday at XXXX XXXX, Thursday at XXXX and at XXXX XXXX ) and finally on Wednesday night they processed the payment, even though they had already charged my account. I have asked everyday for them to send a notice to the Credit Bureau stating that my account was now paid in full, is current, and is in good standing, so that my credit score could get back to it 's previous score. As of right now, the response that I keep on getting from their customer service reps is that they can not send a notice until the end of the month. That does not work for me, because if that is the way it works, I will lose my house. My current credit score will not allow me to be granted the already pre-approved mortgage to pay for the house.
Consumer complaint received 2017-06-18
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. (TX)

XXXX  have reached the statue of limitations on this alleged debt. It has been more than 7 years since this account has been opened. The loan was allegedly originated on  XXXX / XXXX / 2006 . 7 years has transpired since, therefore according to FCRA, this needs to be removed from my file from All credit reporting agencies ;  XXXX ,  XXXX , and Equifax. This i s Zombie Debt ; and is illegal to report according the the FCRA. I want this item deleted from my file immediately.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-22
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: REGIONS FINANCIAL CORPORATION (PA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

COMDATA-CREDIT DEPT Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

CareCredit sent notification to all three credit bureaus on XX/XX/XXXX that theyd closed my account. However they continue emailing me as recent as XX/XX/XXXX of encouragement to use my card. I logged in and the account is still active on their site. I emailed them and they only said they closed it but wouldnt address the fact they never notified me, updated the site, and kept sending notices to use the card. They now refuse to correct the notification to the credit bureau even though I took a screen shot today that the account is still active
Consumer complaint received 2018-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

In XX/XX/XXXX, I was hired at the XXXX XXXX XXXX and shortly after, I noticed student loan payments being taken out of my pay. This is my error, of which I am deeply embarrassed, but I did not know it was a garnishment of wages, rather than a monthly direct payment. The balance according to their records was {$23000.00}. I contacted the loan servicer, XXXX in XX/XX/XXXX, requesting a lower payment and this is when I discovered that the LAST 5 YEARS of payments were made under a garnishment. The conversation was if I made the payments for the next 3 months on time I could get a smaller payment ( from nearly {$400.00} to less than {$200.00} ). I was also told in that conversation that if I had a total of 120 payments on the books on time, I could probably get the rest forgiven. My loan was transferred to Navient, effective XX/XX/XXXX,  where I have faithfully made my payments. Between XX/XX/XXXX and now, I had read on the website about loan forgiveness that you had to start one year before your 10th year to  begin the process. In XX/XX/XXXX, I went online, downloaded the form to begin the forgiveness process and mailed the form in. I received a response that my loan was not in the database. I called the phone number given, and a rep named XXXX ( # XXXX ) confirmed that my loan was not in the database and transferred me over to the Public Service Forgiveness Department, where I spoke to a rep named XXXX ( # XXXX ). XXXX confirmed that my loan was not located there and she explained that my loan was not a Direct Loan and that if I requested it at that time, I could begin the process of another 120 payments for forgiveness. I told XXXX that I made payments monthly to Navient and those loans were labelled " consolidated '', and asked what it meant. XXXX replied that was another kind of consolidation and did not qualify as the loan forgiveness qualification process. I am XXXX years old. I have faithfully paid on these loans for 10 years and then some, beginning back in XX/XX/XXXX. It is mind-boggling that I would pay two 120-payment segments on original loans, totalling {$6500.00}. Mind you, I knew nothing about  the loan forgiveness part of student loans until XXXX told me about them. At no time did XXXX say that I had to do anything besides make the 120 monthly payments. Similarly, I do not recall reading anything about putting in a request to change my loan to a " Direct Loan '' in order to qualify, else I would have done it ; all of this time I believed I was in compliance with achieving forgiveness status. If you count the payments I made beginning in XX/XX/XXXX, I have paid on this {$6500.00}. Surely, you have recouped what was owed and more by now.
Consumer complaint received 2017-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CT)

I have opened wellsfargo everyday checking account online with  XXXX  $ sign up bonus on  XXXX / XXXX / 2017 . Received the approval email on same day with disclosure to qualify for the  XXXX  $ credit.     I have received Direct deposit of  XXXX  $ on  XXXX / XXXX / 2017  and received  XXXX  more on  XXXX / XXXX / 2017 . i have satisified the conditions on  XXXX / XXXX /   2017  and i was supposed to recieve my  XXXX  $ bonus on or before  XXXX / XXXX / 2017 , but i have not received the bonus amount. i contacted wellsfargo on  XXXX / XXXX /   2017  and i was told that the bonus is not at all available in their site and i was not qualified. i have attached my welcome email to resolve this issue Terms to qualify is : Within 60 days of account opening, either make  XXXX  purchases/payments with yo ur Wells Fargo Debit Card or establish a qualifying Direct Deposit of an accumulated {$500.00} or more to the consumer checking a ccount opened for this bonus offer.     The  XXXX  debit card purchases/payments must be from the primary linked consumer checking account opened for this offer. Transactions at an ATM do not count as a debit card purchase/payment.   A qualifyi ng Direct Deposit is y our salary, pension, Social Security, or other regular recurring monthly income, electronically deposited to your consumer checking account by your employer or an outside agency. Transfers fro m one account to another or deposits made at a banking location or ATM do not qualify as a Direct Deposit.