davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (AZ)

My wife and I moved out of our apartment Over a year ago at XXXX in XXXX Texas with the permission of the apartment manager. We paid all fees associate that were requested and provided the manager XXXX XXXX with a copy of my wife 's orders. Now as we return back to the United States we are purchasing a home to find out the apartments management company sent us to collection and we do not owe anything. We are thinking this is a fraud account. When calling the collection company we We're informed that the debt was from the XXXX after we left and perhaps it could be fraud but they refuse to remove it from our credit reports.
Consumer complaint received 2018-06-14
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE LETTER.
Consumer complaint received 2018-02-02
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. (MD)

THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( TRANSUNION, XXXX, XXXX ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT.

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VT)

In 2013, I started working for a public school and learned about the loan forgiveness program. I called Navient ( my student loan servicer ) to consolidate my loans to qualify for loan forgiveness. They said that their income based loan would qualify me for the loan forgiveness program. I consolidated my loans, and AGAIN asked " does this qualify me for loan forgiveness program? '' They told me, " I was all set! '' They also stated that there was no form to submit for loan forgiveness until I completed 120payments over 10 years so I did not follow up sooner. Recently, I called to check in around this, and was informed that I WAS NOT in the loan forgiveness program, and that I needed to consolidate my loans through the US department of ED. I was furious!!!!!! I have been paying for 4 years and was misled by this company completely!!!!!!! Now I have consolidated my loans through the US department of ED in a direct loan, and have ONE payment toward my 10 years. This is so wrong by Navient and I am devastated!!!!!!! I just lost 4 years of payments. I will fight for that to be forgiven. They mislead me completely!!!! Please help me resolve this issue. I feel so violated ... I have never been late on my loans, I want those loans to count toward loan forgiveness-I have done right by my student loans. Navient was dishonest, and misled me ... 

Sincerely, XXXX Sincerely, XXXX
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have been trying to fix my credit lately due to covid-19. All my past bill have been paid off and was trying to get everything perfect. I noticed XXXX XXXX XXXX XXXX has incorrectly reported me for being late on 2 payments from 6 years ago. Now they have reported me late for 3 payments totaling up to 90 days. They are ruining my credit report due to errors from their system. They have done this so many other people you can see the reviews on almost every site.
Consumer complaint received 2021-02-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Abrahamsen Ratchford, P.C (PA)

I am trying clean up my credit history. In XXXX, I called XXXX XXXX to enter into a payment plan to resume payments on a {$14000.00} debt. XXXX XXXX said they wrote the account off in XXXX or XXXX. I can no longer access my XXXX account online or by their automated phone system. In am no longer able to pay {$500.00} per month since I have been unemployed since XX/XX/XXXX. My financial situation is further complicated by the coronavirus outbreak. I had attempted to make payments from my unemployment benefits. XXXX XXXX XXXX, XXXX is attempting to attach my bank account. 
On XX/XX/XXXX, XXXX XXXX XXXX, XXXX filed a civil complaint against me for judgment in XXXX XXXX favor for {$8700.00}. XXXX XXXX XXXX, XXXX states that they are attorneys for XXXX XXXX. Correspondence from XXXX XXXX XXXX, XXXX discloses that they are debt XXXX. XXXX XXXX will neither confirm nor deny XXXX XXXX XXXX, XXXX claims. XXXX XXXX, XXXX has entered a Praecipe for Substitution of Counsel on XX/XX/XXXX. 
On XX/XX/XXXX, I wrote a letter to XXXX XXXX requesting confirmation the XXXX XXXX XXXX is representing them in this suit. I have paid to date {$2300.00} on a settlement amount of {$6000.00} to XXXX XXXX XXXX. Although requested, XXXX XXXX XXXX, XXXX never validated the debt. I have not received a statement of account. I have not received a payment history from XXXX XXXX XXXX, XXXX. The documentation submitted with the complaint contains incomplete and misleading documents. 
In this day of debt collection scams and in the abundance of caution, I am trying to determine who I should pay to resolve this debt. I have been contacted by numerous debt collectors and an attorney, who claim they are collecting the outstanding balance in XXXX XXXX named.
Consumer complaint received 2019-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (MA)

XX/XX/XXXX i opened a {$500.00} loan with Money Lion. i have never missed a payment and paid the full amount off in XX/XX/XXXX. Since then, i have called them several times since XXXX because it didnt show it was paid. Said they would fix it numerous times and now my credit report shows 60 days late. I was in the process of buying a car and this destroyed my chances for a couple months. You do have to wait on hold for a very long time to speak to an agent. They refuse to transfer you to a manager unless you threaten to record them. They will not fix my credit and i have reported it to my creditors and showed proof of this payout. They are now showing the correct balance on my other loan that i retook out with them in XXXX. Another indicator i satisfied the first loan because they will not let you take out a second one. Now an extra balance that i did not agree with is showing on my active loan. The payments have also been made on time and are drafted from my account every two weeks. They have my social security number and personal banking information and i am VERY VERY VERY concerned they are conducting illegal activities. Since they wont even respond to my XXXX  that is even more concerning. They will not work with a consumer on their concerns and now credit reports are being destoryed. i have seen other compaints just like mine on XXXX. I need help and will keep reaching out until this is resolved!
Consumer complaint received 2018-02-02
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. (WA)

My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX Co XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX   XXXX, Four accounts with XXXX XXXX XXXX, XXXX accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with Specialized Loan Servicing and then One with XXXX XXXX.
Consumer complaint received 2020-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NV XXXX Erroneous credit report by a company attempting to collect a non-valid debt.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am writing in regard to a fraud case that I filed with your company, Claim Number XXXX, in XXXX. 

Here are the details of this case. Back in XX/XX/year>, I applied for and opened a credit card with Bank of America. According to your records, a balance transfer of {$6600.00} was made onto the account, however this was not done by me. I have never once used this card. 

This matter only came to my attention when I received a letter via XXXX  saying that the account will be charged off if I dont make a payment in XXXX. At that point, I started inquiring about the situation and filed the fraud report. Within a few days I received notice that the fraud claim was rejected and that I was responsible for the transfer that I did not make. 

The fact that a company of your size would do such a quick and unthorough review and would immediately come to the conclusion that the charges are my responsibility despite numerous advertisements to the contrary is highly disappointing and extremely worrisome for me financially. 

I demand that you take action to see that these charges reversed immediately. In addition, I demand that Bank of America clarifies with the credit bureaus that this incident was of no fault of mine and works to correct my credit record.
Consumer complaint received 2018-02-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I have been dealing with Wells Fargo for a number of months now and my concerns have escalated to the point of retaining counsel concerning two separate problems : Problem 1 : The most immediate deals with a 30 day late mark which occurred while we were disputing what was used on the account. The representative informed that I was missing a HELOC payment from XX/XX/XXXX. While XXXX XXXX XXXX XXXX, allegedly from the Wells Fargo Executive Offices, was on the phone with me on XX/XX/18, she manufactured a story that the reason she could not just offer a courtesy discount was because of CFPB regulations. In a nutshell, the gravamen of my concern has now evolved into a matter of a lack of blatant ethics on the part of Wells Fargo. At one point in frustration, I asked that even if all of my concerns turned out to be baseless, which they are not, could she just do a onetime courtesy removal. She said she could not because of the CFPB. I informed her that the statutory framework and common sense indicates that the decision was up to Wells Fargo and the credit agencies and that I would check with CFPB. I did so and my story was confirmed ( see enclosed e mail to her, Exhibit A ). 
Quite aside from this there is the question of the witnessed conversation I had with Wells Fargo regarding the dispute and that reporting shouldnt ensue during the dispute process. Although XXXX XXXX listened in on one conversation the attached letter to her documents a number of conversations with Wells Fargo and 2 out of the 4 she found happened after my complaint to the Executive Offices. Finally, there is the poor PR aspect of this case, since at or about the time of the problem my family and I were stuck in XXXX Florida for 3 weeks and Wells Fargo would not take the mitigating factors dealing with Hurricane Irma into account. I have rese4rached this and they do not have to be compassionate in so agreeing since my primary property securing the HELOC is in XXXX XXXX not the Florida XXXX, where we have our primary family home. 

Problem 2 : As a follow-up on a problem from over a year ago, I was negotiating with Wells Fargo for a more global settlement on y then multiple accounts with them, perhaps to include a modification on the HELOC and was informed by the negotiator ( named XXXX, or close to that spelling ; in Arizona ) that she was authorized to conduct a global settlement in the {$13000.00} range, and have records showing the issuance of a Cashier 's check as instructed. All of the accounts cleared up as promised but the home equity account. I was marked seriously delinquent on the Wells Fargo account for months and my credit score seriously affected. ( Documentation and sworn statement enclosed in Exhibit B ). I should have known better without a written contract to that effect, but I was pushed to settle for an alleged global settlement with strict time contraints under the threat of litigation from the major bank.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (CA)

On XXXX XXXX, 2018 at XXXX XXXX. a female representative from " IC System '' asked me to verify my address to discuss private information. I could not and did not verify my address, and the disgruntled representative rudely said she would be " sending a letter anyway '' to an address not specified. I have no idea where this letter was sent, or what information was on it, or if it even belonged to me. 

If my private information is out there, I have a right to know where it was sent. However, I was told a letter would be sent to an unknown address, that I did not verify.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I Have Been Contacting Experian, XXXX And XXXX Since XXXX XXXX About Fraudulent And Inaccurate Information Reporting On My Credit Report. I Have Also Filed A FTC Report And I Am No where Closer To Getting Any Results Now Than When I First Started Out.
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Central Service Bureau, Inc. (FL)

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bills jus harassment phone calls.
Consumer complaint received 2021-07-14
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. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHANGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIVADAIT .PLEASE DELETE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Social Finance, Inc. (CA)

I applied for a personal loan with SoFi Lending and was approved. Their disclosure process is not clear or upfront which leads me to believe it is not legal. After I signed loan documents it was disclosed to me that the loan would not be funded for up to 30 days and have been told I wo n't be given an exact date for funding. It should be disclosed upront that funding does not occur for 30 days. This should occur in the disclosures before applying. This leads consumers to making decisions on applying for a loan that are flawed and present Dishonest Services to the consumer.The loan is a fixed rate loan and the loan documents indicate a payment based on a specific interest on a 30 day cycle with the first payment XXXX/XXXX/2016 this leads me to believe I will be paying interest on funds that have not been disbursed to me. How can a consumer be provided with loan contract with scheduled payments with a commencement date with automatic withdrawals and no date for disbursement until after you agree to the terms?
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (WI)

On XX/XX/XXXX I called in to change my weekly payment of {$550.00} to biweekly payments of {$900.00}. I was under the impression my next biweekly payment would be auto drafted on XXXX. 
To my surprise another weekly payment was auto drafted on XX/XX/XXXX. I called in on XXXX and was told by a banker that my biweekly change was not processes and they asked if I received a letter that I was supposed to sign and mail back. I was told they can not make the change with a signature, unless I make the change online. I never received a letter to sign and the banker I spoke with on XX/XX/XXXX never mentioned anything about needing to sign a cancelation notices and mail it back. 
The Baker walked me through how to change my payments online and I schedule the next biweekly payment to be auto drafted on XX/XX/XXXX. I thought my change was processed and everything was good. 
Then on XXXX another weekly payment was auto drafted from my account. I called the bank on XXXX and the banker advised that I was set up on biweekly payments, but the {$550.00} weekly payment was processed on XXXX because I had to call in XXXX business days before the auto draft to cancel it and I called in 2 business days. The banker I spoke with on XX/XX/XXXX never informed me of this and I was under the impression my next auto draft payment would not occur until XX/XX/XXXX. 
Luckily the 2 unexpected auto drafts did not create and NSF but even so the bank should have informed me of the processes and educate me on what to expect.
Consumer complaint received 2020-07-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On XX/XX/2020 I submitted disputes to XXXX XXXX, and Equifax. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.
Consumer complaint received 2024-05-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

I filed a previous complaint with you in XXXXXXXX XXXX. 
States company settled but did not. On XX/XX/XXXX DE removed the funds again for almost XXXX for 3 unauthorized charges. After contacted you they finally gave me provincial credit at beginning of XXXX. I went to check balance on XX/XX/XXXX to find they removed money again. I called and they said they were just now reaching out to company for them to refund the money. They said they were taking thier refund until the company responds! Said they will have it settled by XX/XX/XXXX. I now have paid overdraft charge with bank and CC payment due to this. I want compensated for those fees as well. I am looking to join a lawsuit to recover my losses. I did everything that was asked. Reported the loss within hours of this happening. This is not the 1st time this has happened and I never recovered my funds the last time. This is rediculous. The represents even said she would note in my acct this has caused a hardship! Of course it has!
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

They referenced the system acts on its own accord, and can hold payments if you make more than XXXX payment in a billing cycle. Or if you make a large payment, over {$1000.00}. They also referenced making more payments than {$7900.00} in a single billing cycle, even if your credit limit is above this amount. 
They are inconsistent in how these loose rules are applied, and they aren't published anywhere. Reps when contacted about it, consistently give inconsistent information.
Consumer complaint received 2020-04-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I have a good long time 19 year job, my credit is not so good but improving I have applied for FHA loans via XXXX, Quicken Loans, XXXX XXXX, XXXX XXXX XXXX and others even with 5 % down cash I have everyone has denied me.