davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX AZ ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX AZ ) XXXX Balance : {$3200.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$760.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$2600.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I was advised by MOHELA that in order to qualify for PSLF, I needed to consolidate the loans I had and choose a certain repayment plan because one of my loans was not on the correct payment plan. Given that I was told that the payment count on my loans likely would not occur until XXXX, on XX/XX/XXXX, I applied to consolidate the two loans. 
On XX/XX/XXXX, I received notice ( Review completed email ) that the payment review was completed. Based on the review, I had made 120 payments on one loan and needed to make 13 additional payments on the second loan which I was initially told did not qualify for forgiveness because of the re-payment plan ( XXXX XXXX XXXX ). 
I immediately called MOHELA to find out how the consolidation would affect the count and if I could I stop the consolidation and was told that they could not stop it. The new loan has been placed in a repayment status and I now have 0 qualifying payments. I have reached out to the Ombudsman on Student Aid.gov on three separate occasions and no one has responded as of today. I do not know where else to turn. I am not getting any help from MOHELA and StudentAid.Gov will not respond to my inquiries. I only consolidated the two loans was because MOHELA told me that consolidation would be the only way I could qualify for PSLF which clearly was not the case, as evident by the XXXX XXXX XXXX document. My loan balance has increased due to the unnecessary consolidation. 
I received notification date XX/XX/XXXXXXXX XXXX XXXX  that I do not qualify for PSLF. I really need resolution here as I am now facing {$1100.00} monthly payments and rapidly incurring interest.
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (GA)

XXXX is furnishing deceptive information to Equifax who is then publishing this information onto my consumer report. This allege debt has not been validated and they have provided no evidence to prove this is my debt. Who exactly did they speak with? What documents were received to validate this debt.
Consumer complaint received 2023-07-14
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: HYUNDAI CAPITAL AMERICA (FL)

This dealership XXXX Hyundai ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase onXX/XX/XXXX, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from Hyundai Motor Financing and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. 

After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX IS REPORTING INACCURATE/INVALID INFORMATION ON MY CREDIT REPORT. I HAVE BROUGHT THIS TO THEIR ATTENTION REQUESTING IMMEDIATE REMOVAL IF INACCURATE INFORMATION FROM MY CREDIT REPORT BUT HAVE NOT REMOVED THE INFORMATION AND/OR ACCOUNTS
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I pulled my 3 Bureau credit report and noticed an incorrect name on my report. After investigating, I noticed that the incorrect name was displayed on my JCPenney bills and statements. I then determined the incorrect name on all 3 bureau credit reports derived from my JCPenney account. 
On XX/XX/XXXX, I reported the error to JCPenney by requesting an investigation. They then stated that i would only be able to file and Identity Theft claim to correct the information. Although the case was not necessarily Identity theft is was an incorrect error on their part. They opened the claim on XX/XX/XXXX using claim number XXXX. After 60 days nothing was corrected by JCPenney. I then sent a dispute to the three credit bureaus and also to JCPenney on XX/XX/XXXX. After now 30 days, JCPenney has flagged my account and changed the comments to " Between XX/XX/XXXX and XX/XX/XXXX, the following remarks were removed from this account : Consumer disputes - reinvestigation in progress Consumer disputes this account information. 
Between XX/XX/XXXX and XX/XX/XXXX, the following remark was added to this account : Consumer disputes - reinvestigation in progress. 

This dropped my credit score XXXX XXXX I sent JCPenney a copy of my Identification which shows a clear spelling of my Government Name ( enclosed in this file ) On XX/XX/XXXX I received a letter from JCPenney addressed to the incorrect name stating that my claim to correct my name was denied. 

They stated the claim was denied because i benefited from the card. I am fully aware of that but that does not negate the fact that this account is in violation of FCRA Rule 623 that says : Sec. 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 

JCPenney has violated my rights and if this account is not removed from my credit reports then I will be filing a lawsuit in 30 days.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

This is in reference to case number XXXX. XXXX has completely failed me and I am at a complete loss. I was the victim of identity theft and had a loan taken out fraudulently in my name in 2022. I have submitted all documentation required, including an FTC Identity theft report, police report, ID verification and more. These are sworn affidavits. However, XXXX continues to state that the account was not the result of Identity theft and no further action will be taken. I don't believe that XXXX actually investigated this matter at all. No investigation report was provided to me at all. I would like a copy of this please.When I asked I was simply told that the loan agreement was sent to my mailing address. This a blatant lie as I never received any notice of a loan being opened in my name at that time. No identity verification took place. The person that took out the loan accessed by XXXX account that I already had and signed documents electronically without my consent or knowledge. XXXX failed to properly verify this loan. I was the victim of several other identity thefts at that time and over a period of months. All other institutions handled my identity theft and were on my side. XXXX continues to not be. 

I have been a client of XXXX XXXX XXXX for XXXX 20 years and you are basically calling me a criminal and a lia. I provided a police report and FTC report certifying that this loan was fraudulent and their response to this was negligent and dismissive. I would like a proper resolution to this issue otherwise I will be forced to consider legal action against XXXX. I will also be reporting this to local media outlets that may be interested to know that XXXX Bank apparently does not follow the FCRA and XXXX XXXX XXXX should support their long time clients who fall victim to Identity theft and remove fraudulent accounts and inquiries from their credit report, rather than treat them like the criminal themselves. I certainly believe its time to reconsider my primary bank moving forward. 

With that being said, I do not wish to destroy my personal credit over this account. Im at a total loss and if I have to pay the account, Ill just have to do it to be done with this nightmare. During the course of this investigation the account has gone into past due by 3 months on my credit report. If I am willing to bring this account back to current with a payment, would XXXX be willing to remove the negative late payment remarks from my credit report? Again, I was a victim here and the account wasnt opened by me, but Im just done fighting with XXXX and the Credit Bureaus at this point and am willing to just move forward if XXXX would be willing to help me out and remove these negative remarks from my credit reports.
Consumer complaint received 2023-07-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: HILLTOP HOLDINGS, INC (GA)

Back in XXXX I lost my job due to being XXXX  and XXXX. So I did a 3 month forbearance on my mortgage. When the forbearance ended in the end of XXXX I was able to start back paying in XXXX. I made a payment but I was unaware when I did the foreclosure that those months of the forbearance were all due at one time once it ended that was not explained to me. I have since called at lease 12 times talked to several different people or the phone just hangs up on their end. I have been told several different things and that I would be sent out a packet for payment options and have yet to receive anything at all. We are now in XXXX and have been trying to get this resolved. I just got off the phone with someone they were supposed to be transferring me but instead the phone hung up on their end. I have been getting the runaround with my lending company PrimeLending.
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (IL)

Hello, I purchased a gift card in XXXX XXXX at the XXXX XXXX in the XXXX XXXX of XXXX. It was a {$500.00} Vanilla VISA Debit card. The card was activated at the XXXX XXXX by the cashier and has since remained with me in my physical possession and never left my home in XXXX, IL. 

On XX/XX/XXXX, when I was checking the balance on the card, I saw that all {$500.00} had been spent. 
I immediately called up the Vanilla helpline and was told to submit a dispute with the required details. They sent me instructions on where to send the form which I promptly did. There was also a case opened with Case ID XXXX. Assurances were made that I would get a response in 45-90 days. It has been 1 year and 9 months and I have received no response, nor have I received any additional communication from the dispute team. 

The transactions that I disputed are recorded below : 1. XXXX XXXX- {$260.00} 2. XXXX XXXX- {$2.00} 3. XXXX - {$73.00} 4. XXXX XXXX- {$110.00} 5. XXXX XXXX- {$12.00} 6. XXXX XXXX- {$22.00} 7. XXXX XXXX- {$9.00}
Consumer complaint received 2023-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WA)

Back in XXXX my late wife and myself started the process of trying to sell our house at XXXX XXXX XXXX  XXXX, XXXX WA XXXX ( owned XX/XX/XXXX through XX/XX/XXXX ). After a few months it was clear the only way the house would sell was with a short sale. We were told to " keep making your mortgage and 2nd mortgage payments because it will look better to Wells Fargo '' by a misinformed real estate agent and a Wells Fargo employee. As we were having an agent continuously submit multiple offers on the house to Wells Fargo for the next 9 months, they continued to deny any consideration of offer for a short sale- as we found out by XXXX of XXXX ( almost a year after first starting the process ). I was told by an employee of Wells Fargo when I called to find out why another offer had been declined. They said " As long as you keep making payments we have no inclination to accept any short sale offers ''. It was at this point that I reached out to my Congressman ( XXXX XXXX of Washington XXXX ) and his team found out that Wells Fargo had not been working in our interest to resolve our short sale as required by the conditions the government set out for the bank bail our in the previous years when the economy crashed ). We paid those mortgages for over XXXX  months through that process ( and the whole 8 year time frame of ownership with NEVER missing a payment or late until all this ) - all the while Wells Fargo was not working in our best interest - and only AFTER our congressman started looking into did Wells Fargo finally accept an offer - once they realized they were now having to answer to the government for their actions. This was all post-bank-bail-out. The reason I am submitting this complaint is to see if I am entitled to remediation for what we went through ( myself and my now-deceased wife ) because Wells Fargo did not work in our best interest - taking a toll on both mine and my late wife 's health and dragging the process out until our congressman looked into it. Wells Fargo even admitted to us they had no intention of helping up work out a solution UNTIL the government got involved. Please let me know. I appreciate you time regarding this process. Thank you. Please note all documents have addresses now out of date for myself.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (WA)

I used my PayPal account linked to my XXXX XXXX card to purchase a {$0.00} person lookup through XXXX. I looked over everything and no where on any information provided did it say I was signing up for a {$29.00} monthly plan. After I entered my credit card I received no results were found on the person I looked up, then found out 2 months later I was being billed ongoing for a service I never agreed to. I went into PayPal and canceled the ongoing payments, and immediately disputed this, and contacted the XXXX  and XXXX XXXX. Both PayPal and XXXX have replied I didn't provide them with enough documentation so they denied my claim and my refund. How on earth do you prove a negative. I demand for them to prove I agreed to this and received anything of value and they are not performing their responsibility. The legal burden of proof is on them to show where I agreed to this contract. Please help me to enforce my rights on both these companies and hold them to their agreed responsibility.
Consumer complaint received 2018-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One started by charging a late fee when in fact the account was paid on time. I called the XXXX number and the rep refused to remove the late fee, at that time I requested the account be closed. The rep on phone stated that the account was closed but when I pulled my credit report it showed as open also Capital one charged late fees and interest on those fees, in addition they reported the account as not paid ( 120 days late ) to all three credit bureaus.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The other day I viewed my credit to find that there were a number of problematic and inaccurate information and inquiries. These inaccuracies are absolutely devastating and have sent me into an anxious spiral. I need my credit back in good standing in order to get business funding and keep my business abov ground and these errors are making that impossible. I need this corrected right away.
Consumer complaint received 2024-01-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I have paid off my debt and there still taking money out of my bank account. I have tried to contact Weltman , Weinberg & Reis Co. LPA several times during there open hours and left them messages telling them the times I'm available and they only call me while I'm at work. XX/XX/XXXX was my last full payment of {$200.00} and then XX/XX/XXXX was going to be my last payment of {$3.00} but was charged the full {$200.00} then was charged another {$200.00} in XX/XX/XXXX.
Consumer complaint received 2023-12-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (KY)

Mr. Cooper transferred our mortgage to XXXX mortgage effective XX/XX/XXXX but never notified XXXX. When we  requested XXXX  payoff quotes in XX/XX/XXXX they were made aware we were selling the XXXX  and the XXXX  closing dates as they kept changing. We received a payoff quote on XX/XX/XXXX that was good through XX/XX/XXXX. Again, never told XXXX  the loan was transferring. We sell and close on XX/XX/XXXX. The XXXX  company added XXXX more days interest to the XXXX  amount. Due to a security breach at Mr. Cooper the XXXX  company was not able to wire the money at XXXX. They were told to overnight a XXXX. This XXXX  was signed for at Mr. Cooper on XX/XX/XXXX as received. Again, still never told XXXX  the XXXX  was transferred. I receive an XXXX  from XXXX telling XXXX  they are the new XXXX  XXXX. I XXXX  them back telling them this XXXX  was paid off with Mr. Cooper and we do not owe them anything for the XXXX  XXXX  sold. They do not respond until XX/XX/XXXX with an automated XXXX  they received my before mentioned XXXX. Since then multiple calls have been made between XXXX  and XXXX, myself and the XXXX  company, the XXXX  company and Mr. Cooper, the XXXX  company and round point, XXXX, round point and the XXXX  company. Documents have been sent to XXXX showing everything sent to Mr. Cooper. On XX/XX/XXXX, the XXXX  company received a letter from XXXX that was dated XX/XX/XXXX, stating they shredded the XXXX  because they could not identify the XXXX  listed. XXXX XXXX and XXXX company contact Roundpoint. Funds are sitting in the XXXX  at the XXXX  company needing to be sent.They provide a XXXX  quote but now it included interest for XXXX and XXXX making the amount XXXX  more than the XXXX  quote from XXXX at the close of the sell. Round point says we the XXXX  have to pay this XXXX  money. XXXX XXXX  day grace period is almost up on a XXXX  that we were never notified about until almost a week after the XXXX  was sold. This means XXXX XXXX scores are going to drastically drop. Round point says they will keep the XXXX  open and acrueing even more interest! We spent XXXX  XXXX  savings and profit from the sell of this XXXX  to buy XXXX  new home. We can't afford to pay XXXX of dollars on a XXXX  we knew nothing about. How do we fix this?