davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (VA)

A collection appeared on my credit report back in XXXX from a company called Hunter Warfield out of XXXX FL. They claim that I owe {$15000.00} in rent for a home from XXXX XXXX XXXX XXXX. I have never rented a home from anyone by that name, in fact I have lived my current home for over 25 years. I have repeatedly asked for verification of the debt and had a lawyer send a certified letter also asking for verification of the debt to which I received no response. I know they received the request as someone signed for the letter. They continually call me to harass me about this and as of today this is still showing up on my credit reports and I would like to have it removed without having to endure the expense of taking them to court, which I will do if necessary.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

I've had multiple times that I have been charged overdraft fees. These fees were charged more than 2-3 times in one day. When you call they say there's nothing they can do. I have also had fraudulent activity on an account where my money was frozen for months. The bank suspected me of fraud. When it was someone who actually hacked into my online account in Florida and deposited checks into my account. I suffered for months without being able to even touch my money deposited from my job. Then the bank calls to apologize and reissue me a new account. Since then I have different feelings about wells Fargo. I don't recommend them at all. An apology was all I received. I now only have the bare minimum deposited into this bank because I have trust issues with them. Over 16 yrs banking
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

N accordance with the fair credit reporting act XXXX  account numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.D 1681 section 602 A. States I have the right to privacy.

15 U.S.D 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Dunlap Gardiner LLP (GA)

I request a payment arrangement online for HOA dues to XXXX XXXX on XX/XX/2022. For which, I received a confirmation. I made a {$50.00} payment in early XX/XX/2022. Upon preparing to make an additional {$50.00} in XXXX, I received a notification from Dunlap Gardener law office of a pending action to start the lien process. XXXX has refused to acknowledge the online payment arrangement and has not been responsive to attempts from the law office of the provided arrangement confirmation.
Consumer complaint received 2018-11-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

Navient refuses to honor the terms of my private loan agreement and place my account in Forbearance. After refusing to place my account in the student deferment I am entitled to as an enrolled student, and multiple formal complaints filed, I was informed by Navient representative XXXX XXXX that I was eligible for 12 months of voluntary forbearance. I stated I wanted to use my forbearance as my financial situation is difficult and I can not afford payments at this time. I completed all paperwork necessary and ( after more formal complaints ) a forbearance was applied to my account, but only for 3 months This forbearance expires on XX/XX/18. I again went through the hassle of applying for the forbearance in mid XX/XX/2018 as I need to use my full 12 months. I received a message that I needed to send a {$50.00} payment in order to have the forbearance applied. While I find this unreasonable and very difficult to manage, I still emptied my bank account to send this payment. Navient cashed the payment on XX/XX/18 but then sent me a notice on XX/XX/18 that my forbearance was denied because they " did not receive my payment. Not only has the check cleared my account, but Navient has posted the payment to my private loan in question. The payment was postd to my account days before the denial was sent. In contacting them again, I was told to call, which I believe is an intentional tactic to avoid having anything in writing, which they could be held to or used as proof to support any action against them. I can not call due to my work schedule, and even if I could, I do not trust the company to honor anything said given the long history of deception and dishonesty from this company. I believe this is an intentional deception to force extra payments on this account. This has been an ongoing problem with Navient and they consistently refuse to apply deferments and forbearance as agreed.
Consumer complaint received 2021-08-13
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. (NY)

There are incorrect addresses, names, and inquiries that I did not authorize, nor benefit from. It is causing me great issues because it is affecting my credit score. Because the credit agencies refuse to make sure things in my credit report are 100 % correct.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (MI)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2020-08-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

My mortgage provider is Mr. Cooper aka Nationstar Mortgage. I spoke to them in XXXX regarding a Forbearance plan and was given their traditional forbearance option which requires full repayment at the end of the forbearance period ; Several weeks later, I received a letter stating that my loan was Federally backed which also indicated that my options would be different vs. a traditional non federally backed forbearance plan. When I asked to switch to the FHA backed forbearance I was told that at the end of their plan they would switch me to FHA ... if my forebearance was extended which was yesterday and again, it was not switched to the FHA plan. Fortunately, I was able to make my payments but currently struggling to make my XXXX and XXXX payments. Yet, I am being consistently told as current as yesterday, XX/XX/XXXX, that FHA backed forbearance plans function No differently from the rest of the forbearance plans, ( but it is clearly different to me ) and that I will need to pay the late payments back at the end of the Forebearance period or if I qualify their XXXX be other options. I was also told that my response to Mr Cooper when asked, Why are you now able to make the payments if I end the forebearance or at its end will determine what kind of options I am given??? This makes no sense and does Not follow the Script that Mortgage Companies are to follow for Government backed mortgages such as mine, ( XXXX XXXX ). As a matter of fact, Mr. Cooper Never even informed me that my mortgage was FHA ... I had to tell them after they stated to me that their traditional forbearance which requires full payment at the end and they still refused as of yesterday XX/XX/XXXX to extend my plan following FHA guidelines. I do not believe or trust Mr. Cooper ... this is the third person I spoke to on XX/XX/XXXX, and have received different misleading information from all of them?????? Who do you believe!!!
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MI)

Message sent to Barclay Business Card Services : I recently made an error on entering my correct checking account number My XXXX online billing # XXXX The check from my bank was returned and I was charged a {$39.00} fee! It is more than the charge itself! 
You phone agent was very mechanical and non understanding. 
I do not have free money to give away especially now with the COVID-19 situation. 
I do not need a company such as Barclay Business and I will cancel my card! 
Also I will file a report with the consumer Protection Bureau! 
XXXX XXXX
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

Credit card advised the fraudulent charge would be removed. It failed to do so and my FiCO score has gone down XXXX points. 
The company is Barclays, XXXX XXXX Master Card
Consumer complaint received 2019-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (MN)

1 ) Elan has been conducting predatory lending practices. Allowed spending to go well beyond the limit, then started penalizing with fees, higher interest rates for being over-the-limit and for being unable to pay the high minimum payment. The resulting interest rates were exorbitant, usury and gouging. 

2 ) Charing late fees when the payment was received on-time, however I was unable to pay the full minimum due, even though 2/3 of the minimum was interest. 

3 ) The total owed as part of the XX/XX/2019 hardship arrangement contains high interest charges for the past several years, which was based on incorrect information provided by XXXX. I have been unable to reach anyone at XXXX to help correct the information. When addressing the issue with Elan, they refused to work with me until I mention that I was filing a report with CFPB.
Consumer complaint received 2019-03-30
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. (OR)

In XXXX of 2018, I had to call the police as the apartment I was living in was broken into. 

I filed a police report with the responding officers and was told by the leasing office, aka XXXX XXXX, that I would need a police escort to retrieve my things and they would absolve my lease. 

Several months later a bill for {$4800.00} appeared on my credit reports. XXXX XXXX. 

The statute of limitations for Oregon rental debt is one year. 

I attempted to call Equifax and explain this but the person on the phone stated it would be on my report for 7 years regardless. 

When I asked about the Oregon State law she seemed not to care. 

XXXX took it off my report, XXXX said they are disputing and XXXX XXXX called the police and asked I not contact them again. 

I feel as if I am being extorted for a fraudulent debt I'm not liable for and unsure of what else to do.
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I found this scam company posing as XXXX XXXX ( a clone if you will ). And decided to invest in this fraudulent company on their instructions. Due to Coinbase 's negligence i lost XXXX XXXX and XXXX XXXX. I transferred money from my coinbase account on their instruction.
Consumer complaint received 2020-08-07
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. (FL)

XXXX XXXX XXXX account ( XXXX ) has been settled and closed at {$540.00} on XXXX. See attached. 

Equifax still shows it as a negative account with a balance.
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I currently have three mortgages that are being serviced by Loancare. I have repeatedly asked them to rerun my escrow accounts after they paid my taxes because my taxes were lowered. My escrow accts have too much money in them and two off My payments should have been lowered. One payment was lowered, one was increased the last one wasnt completed. It wasnt notified of any of the changes.
Consumer complaint received 2021-09-01
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: Phoenix Financial Services LLC (GA)

This account from Phoenix Financial Services showed up on my credit report on XX/XX/2021.I sent a certified letter on XX/XX/2021 letter requesting proof of the debt, also requested to remove this account from my credit reports. Phoenix Financial Services received the letter on XX/XX/2021. I never received anything back from this company and this debt is still on my report.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

Earlier this year I reviewed my free annual credit report and noted that it contained mostly information for my twin brother. I had the issue easily fixed with XXXX and XXXX Equifax has not fixed the issue. First, they erroneously gave me access to my brother 's credit report through myEquifax. Despite charging me for the account monthly ( {$19.00} on XX/XX/20, XX/XX/20 and XX/XX/20 ), they did not fix the mistake or grant me access to MY credit report. They claimed that I had not updated my address and they could not verify my information. Since the beginning of the year, I have sent Equifax multiple documents, including proof of Social Security Number, proof of address, and proof of identity. Not only has the issue not been resolved, but today they refused to let me speak to a supervisor and on two follow up calls the system would not even allow me to speak to a representative. It is my right to access my personal credit information. I do not know what to do to be able to access and dispute the erroneous information on my account.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A .Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim, if it is determined through your investigation that the disputed item is inaccurate, please remove from my credit report and send me notification that the XXXX XXXX Potentially negative information has been updated and removed
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On or about XX/XX/22 we received a notice from Chase Bank that a check had bounced from one of our business accounts. It was not a check or an amount we recognized. When we reviewed our accounts we noticed that this check did not match our records and in addition, the previous check number had had the amount and payee altered. We reported this to Chase on XX/XX/22 and they opened a fraud investigation. We also reported it to the XXXX since it appears the check was stolen in from the mail. 

Since then we have struggled with Chase to get this matter resolved. In the 3 months since we reported the fraud we have only received one correspondence from them and even that was a set of documents that we had to request twice. We have faxed supporting documents only to have them lost on two occasions. And twice we have had our claim closed because the bank was waiting for documents that had been sent and lost and we were never informed that the documents hadn't been received or that the claim was being closed. And finally, we had our claim closed because the bank was waiting for an additional document, but we were never informed of this and only found out when we called to check on the status of the claim. As far as we can tell in 3 months has made no or minimal effort to resolve the claim or to keep us informed of the progress ( or lack thereof ) on the claim.
Consumer complaint received 2020-08-07
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: EQUIFAX, INC. (CA)

It has now been over 60 days since I reached out to the credit bureau about issues on my credit report. They have yet to respond at all which I know is in complete violation of the FCRA guidelines, even with the extended timeline you have given them. PLEASE help to fix this issue
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

Im not sure of the dates, but I know it was between XXXX and XXXX I had Wells Fargo Checking with my wife XXXX XXXX XXXX and we have not received any compensation for the overdraft fees and illegal things they did to our account. 

We also had an automobile that ended up being repossessed by them, but again Im not sure of the dates, but Wells Fargo should have them. 
Again we have never been contacted by the company.
Consumer complaint received 2020-08-07
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. (IL)

I have reached out to XXXX numerous of times explaining that several accounts that they are reporting is FRAUD. My last request from XX/XX/2020 has been well over 90 days without any response. I keep providing documentation that they are requesting but they are not updating the information. I am asking AGAIN that the accounts for XXXX XXXX {$1700.00} & {$1600.00}, XXXX XXXX XXXX XXXX {$710.00} ( which I never received a response back & still reporting this fraud account ), XXXX {$850.00} , XXXX ( which I never received a response back & still reporting this fraud account ), XXXX XXXX {$810.00} ( which I never received a response back & still reporting this fraud account ), XXXX XXXX ( which I never received a response back & still reporting this fraud account ) & XXXX XXXX XXXX {$140.00}, XXXX. I have never received anything from these companies & these accounts should not be listed on my credit report. AGAIN, I am asking that this information be blocked & deleted
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (NC)

car dealer stole & mis used my ssn for personal and fraudulent reasons. these are what they applied for thats showing on my report XXXX XXXX XXXX XXXXl, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

Overdraft fees not supposed to be there a while ago i dint have the screen shot this is for that legal complaint that im supposed to recieve a repay online