davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

This letter is in response to your recent claim regarding a closed account # XXXX, which you claim I owe {$5700.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Consumer complaint received 2019-02-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc. (VA)

About a year ago, I received a couple of emails from XXXX offering me to turn in my leased vehicle and lease or purchase another vehicle. The lease on my old vehicle matured on XX/XX/XXXX. I visited XXXX XXXX in XXXX, VA and agreed to a new vehicle. When negotiating the price, I explicitly told the dealer I wanted all charges rolled into the bottom line. I left the dealer with a new car and at the time, no further charges owed. I did not sign or receive any documentation countering my belief. I turned the vehicle into the dealership on XX/XX/XXXX. 
In XX/XX/XXXX, I received a turn-in settlement invoice from XXXX XXXX with a request for a {$1400.00} payment. I contacted XXXX XXXX on XX/XX/XXXX to inquire about the charges and I was basically told " those are the charges, can't help you ''. On XX/XX/XXXX, I received an updated bill for {$2200.00} with no explanation. On XX/XX/XXXX, I, again, contacted XXXX XXXX and was told that the charges needed to be recalculated because they were totaled incorrectly. I was also told that I would receive a return call explaining said charges. I never received that call. Two months later, I called again. Bottom line, I asked for a detailed billing statement for all charges as I had not received one. I was also told that my vehicle was sold at auction for a loss and that total was factored in obtaining the payment total. That total was compared with excess mileage and excess wear. The excess mileage charge was included in the turn in payment and I disputed the damages as I turned in the vehicle in excellent driving condition. The XXXX XXXX agent told me it took 7 days after I relinquished my vehicle to the dealer for someone to inspect it and come up with a bottom line. About a week after this call, I finally received a detailed billing statement. And to my surprise, a different total - {$1600.00}. 
Just to pile on even more, XXXX XXXX referred this bill to a debt collector. 
When I talked to the debt collector, Vital Recovery Services , LLC, on XX/XX/XXXX, I told them that this account was in dispute and not call me anymore until resolved. The agent told me that I needed to pay off the debt for whatever amount even after I told him about the dispute. He could not give me a total amount even after I laid out the situation. He said pay the amount that was the most and worry about a resolved total later. He continued to press the issue of payment and I told him I would not pay it until resolved. I asked him and the company not to call until resolved and he tried one more time to get me to pay.
Consumer complaint received 2018-03-16
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)

Transunion has failed to validate and verify a fraudulent collection from XXXX XXXX XXXX on my credit report. This collection has not provided any proof or documentation bearing my signature this debt belongs to me. They also failed to provide their method of verification and suggested I report my grievance with the CFPB.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (AZ)

Navy Federal and XXXX  are still reporting XXXX old Navy Federal accounts that should have been deleted since XX/XX/XXXX. I am not saying the accounts are not valid. I am stating that under the fair credit reporting act, credit bureaus are not supposed to report after XXXX years. On XX/XX/XXXX it was officially XXXX years so these accounts should be deleted. These are Navy Federal account have a balance of {$5300.00} and {$2500.00}. I want both of these accounts removed from XXXX since XXXX years has passed on XX/XX/XXXX. XXXX and XXXX  have already deleted. Like I mentioned Im not saying the accounts are not valid I am saying that they are too old to be on my credit report with XXXX. I hate dealing with XXXX they always difficult and report information incorrectly often. All three credit bureaus suppose to be reporting the same information. Why would first delinquency be in XX/XX/XXXX for XXXX  and XXXX  but not for XXXX? XXXX is not following the law and reporting incorrectly. When I dispiute with XXXX they say the credit reported as accurate but that's incorrect. Once again I am not saying the debt or accounts are not valid but I am stating the fact that both accounts the first delinquency is XXXX XXXX XXXX as as of XX/XX/XXXX. So is it that XXXX  thinks they can do whatever they want and report different? Why there always problems with XXXX I don't have same problems with XXXX and XXXX
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

There is a unauthorized inquire on my credit dated XXXX/XXXX/2016 from XXXX XXXX. I did not request any credit from XXXX XXXX on this date, please have this removed ASAP and it 's stopping me from applying for business credit which is required. There should only be XXXX inquire on my credit report from XXXX XXXX from XXXX/XXXX/2016. 
I have attached picture from XXXX for support.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

Citibank obtained my credit report without my authorization. I requested a credit line increase on XX/XX/2016 through Citi Online self service. At the time of my request, a disclosure explicitly stated and I quote, " It 's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' Therefore, I went ahead submitted my request and received a confirmation email the next stating my request has been received and will be reviewed. I 'll be contacted with a decision. Several days later, I noticed my credit line has been increased. This happened without further communication from Citi. Earlier this month, when I was reviewing my XXXX consumer report, a hard inquiry dated XX/XX/2016 was placed on my credit report by Citi. I consider this an unauthorized since Citi stated explicitly a credit report would not be pulled and I did not provide my authorization for Citi to do so. This could potential prevent me from obtaining other financial products or receiving a higher interest rate than I would without this inquiry. I 've contacted Citi several times and was placed on hold and transferred with extended period of time with no solution provided. Eventually, I was asked to send a letter to a PO box in order to have this reviewed. I do not feel the burden of proof should be on me since this is clearly an error by Citi. I would like to leverage the assistance of your agency to have Citi resolve their error and the inquiry removed from my consumer report as soon as possible.
Consumer complaint received 2015-05-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

Although I am behind on payments for my load, I have been trying to contact Navient/XXXX XXXX to make arrangements. My School that the loan is for is XXXX University in XXXX, NJ. Navient is calling my family members ( uncles, aunts, cousins, siblings, even non blood related ) relentlessly. My mother who is my co signer has XXXX and is on XXXX XXXX. She is also being harassed. I have tried contacting them and am told that my account rep is not in and I have to call back. I have also faxed over forms to try and get my payments reduced. The calls to my family members need to stop.
Consumer complaint received 2024-01-25
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: Experian Information Solutions Inc. (TX)

My Student Loan is now paid off as of XX/XX/2023. However, XXXX XXXX has now REMOVED the paid tradeline off of my credit report which also DELETES over 25 years of good paying history. 

This is a very important component of credit scores and after paying satisfactorily for 25 years, this tradeline does not even show up like I ever had this loan. This should still be on my credit reports for the next 10 years after it was paid off.
Consumer complaint received 2018-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

THD/CBNA ON XX/XX/XXXX did a hard Inquiry that I was not made aware that they where going to do a hard inquiry. In the past i had THD/CBNA card so when they offered me a promotion in the store they did a hard inquiry and did not make me aware that they where doing so. I have had a credit card with them for years so i don't know why they would do a hard inquiry. 
Also, recently THD ( The Home Depot ) XX/XX/XXXX did a soft inquiry and for what reason i have no idea.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (CA)

Central Financial Control has reported and continues to report information to the Credit agencies that they know is inaccurate and false information. I have contact them several times in writing as well as numerous phone call over the past year. I have sent then CERTIFIED MAILINGS with copies of the CANCELLED check as PAYMENT IN FULL as well as bank copies of the processed check as payment. ( Please see attached uploaded documents ) There are RUINING MY CREDIT RATING!!!!
Consumer complaint received 2017-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (PA)

My issue is n't with the debt collection agency, Penn Credit as they were merely doing their job, my complaint is actually regarding XXXX for failing to provide alternate payment methods ( other than traditional check ). My bank account is a green account, and I do not receive paper checks. If I want physical checks, I can obtain bank checks at both personal and financial inconvenience to me as a consumer. By failing to provide alternate payment methods, such as debit card payment or the ability to pay online, they 've significantly impacted both my credit, and my bank account. Every year since 2010 I 've had to wait until my account goes into collections in order to pay with a debit card. This practice seems to be both unfair and deceptive. I have to pay additional fees to the collection company to pay with a debit card, and also the balance of the personal tax increases nearly double in amount.
Consumer complaint received 2015-06-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

My payment was approximately XXXX days past due. Navient called me XXXX times on XXXX/XXXX/15 and another XXXX times on XXXX/XXXX/15, starting at XXXX XXXX. The collectors were rude and sarcastic, and I requested no further calls, but they kept calling. I also promised to pay in the next few days, and they still kept calling.
Consumer complaint received 2022-09-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loancare Services has serviced my home mortgage for more 30 months. I do not know the exact date when they took over servicing the loan. 

I have typically logged in to make payments each month. In summer 2017, there was a problem with the website, and I had to call in. During the conversation, I gave authorization for a monthly payment. The account # routing # used in that transaction was incorrect. I have no idea where the source of the incorrect number - either I gave them the wrong number, they entered a number different than the one I gave them ( over the phone ) or some other error occurred. That should not have been a big problem - mistakes happen. 

However, I was never notified that the transaction failed. The next month I went to make another payment, and discovered that I had been locked out of the website. I called again, and discovered the problem. I requested at that time that they get to the bottom of why I received no notification or alert to this clear data error. 

My payment was not made the following month as well. I can not provide the exact sequence of events, but there were multiple calls both to un-lock the website access and to make the payment. 

After 2 months, we realized that the account number in my record was wrong. We fixed it, caught up all payments, and have been OK since. I have also since set up auto-debit on their site, for the amount of their invoice each month. 

There were two {$110.00} ( that seems pretty outrageous!! ) late charges, which I disputed. Though I never head any conclusion from the dispute, there is now, and has been for 2 months now, a {$270.00} " late fees '' charge on my statement ( which I never receive, but which is available for me to download from the website ). If I call and go through the phone payment process, the total late fee amount is {$220.00}. Who knows where the other {$50.00} comes from. 

It is unclear to me why they did not just charge me the late fees ( they have ACH authorization to charge the amount of the statement ). This seems wrong to me, particularly in light of the fact that they don't send me statements. 

This month, the final straw was that I received an alert that Loancare had registered a 60-day late with credit agencies, indicating I was {$4400.00} behind. This is false, and outrageous. That's where I stand today. 

Loancare 's inaccurate credit reporting has cost me >100 points off my credit scores, and is blocking a home loan approval for a new home I have been trying to purchase for 6 months now. I have engaged a credit repair firm who has gotten their marks removed from XXXX, but the other two still show this inaccurate info, including the most recent incorrect report. 

Before I hire a credit attorney to pursue damages and compel removal of this incorrect information, I thought I'd give you folks a try. I'm optimistic.
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Hi my name is XXXX XXXX wellsfargo bank charge me XXXX over draft fees cost me around {$310.00} dollar. I am a student I ca n't pay {$310.00} I asked them to waved that fees because they sign me up for overdraft protection over the phone and did n't educate me at all I end up getting {$310.00} charged please if it possible to tell them to waived that fess. According to the research and articles wellsfargo made XXXX XXXX in charging students and customers in overdraft fees please contact me XXXX
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello. In the process of home buying, I realized there was a lot of information on my credit report is completely inaccurate. I decided to begin correcting my personal information first, as it seems the most concerning. I also put credit freeze on all my accounts until I can resolve this and disqualify the possibility of identity theft or fraud. 

I sent certified mail with explanation to Experian. They responded with many items corrected, but they failed to correct all of the items. With my letter I included extensive proof. I have no idea where many of the addresses or names come from. My name has never changed, they did not even remove the obvious completely different spellings. My cousin shares my unique first name and I realize there are a lot of discrepancies that possibly belong to her and not even myself. 

If they dont correct this with the evidence included, how do I correct it? 

After reaching to the companies on my report I couldnt even get past the verification or disclosure due to lack of correct responses. 

These credit bureaus should be following the law. I feel very worried and concerned and feel like Experian is causing my future significant harm by not correcting issues. 

Please assist in resolving this so I can continue clearing my name of information that is not tied to me and never was. 

Thank you.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX and I gave " FORMAL NOTICE '' to Wells Fargo that my property XXXX XXXX XXXX XXXX XXXX CA XXXX was under a Bankruptcy Petition filing with the Federal Bankruptcy Court of which I was fully aware that Wells Fargo 's trustee office was in receipt of my Bankruptcy filing. They violated the Federal Bankruptcy law by auctioning my home on XXXX XXXX when the Bankruptcy was filed on XXXX XXXX. I immediately call Wells Fargo and explained the unlawful action, they proceeded to open a full review and was send to recovery group and assigned to XXXX XXXX at XXXX XXXX XXXX XXXX ext XXXX I have been leaving messages requesting an update of the reversal on my home I have not gotten any answer it goes straight to voice mail this has been going on for almost a month they are playing games with the home owners. I strongly believe they have committed a crime, with this fraud committed they do n't have any rights to my propertyI want to file complaint against Wells Fargo for the deceitful, dishonest, lies and corrupt, fraudulent actions against home owners and for violating the Federal Law through-a-series-of-regulationsIn addition I perform a full review of the petitions and discovered that Wells Fargo failed to postpone my sale date on XXXX XXXX. I am very sure, Wells Fargo law firm is fully aware of California Bankruptcy laws and the automatic stay under XXXX XXXX XXXX. 
The Federal Bankruptcy Code contains a specific legal action against anyone who causes injury to an individual by a willful violation of the automatic stay ( 11 U.S.C. 362 ). The automatic stay is a court order that is immediately imposed when petitioner files a bankruptcy petition, whereby it prohibits anyone from trying to obtain the property. If someone violates the stay, bankruptcy code provides for actual damages, costs and attorney 's fees as well as punitive damages, if appropriate ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ). 
I am requesting Wells Fargo to reverse, overturn the sale of my home and stop playing games by making the home owners believe they are willing to help you and the ridicules appearance of assigning some person who will never care about your situation or get in touch with you. 
Thank You Sincerely XXXX XXXX
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America closed my credit card account at some unspecified time without notifying me. I 'm not sure when, but I paid off my balance last month. When I called to ask why they closed the account they said it was because I had n't used my card in 60 days and they were n't receiving money from me. They reopened it, but until I receive a new card, which they estimate will take 2 weeks, I ca n't use my existing card even though apparently my account numbers, etc. are all the same.
Consumer complaint received 2016-01-05
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

Navient continues to call my phone multiple times daily. Although I am behind on my payments I did contact the company in attempts to set up a payment plan and was told nothing is available to me. The calls have continued and when I asked that the calls end I was told they would continue until a payment plan was arranged. I expressed my frustration with the harassing calls. The company will not work with me on my past due amount but also will not cease the calls. I have XXXX private student loans through the company and have been making payments on XXXX of the XXXX loans because of my current financial situation I am unable to make both loan payments. After speaking to Navient multiple times I have exhausted my options. The phone calls come in at least twice daily.
Consumer complaint received 2023-03-28
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. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/