davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Good morning, It has been over 120 days and I can not receive any information regarding an account Barclay reports on my credit report every month. I was told that my account was given to a company called XXXX, XXXX reports that the account was charged off since XX/XX/2020 for {$2400.00} and they no longer have the account. I would like this account removed from my credit report since no one at Barclay seem to not have knowledge of the account. I have been calling for over 120 days trying to resolve this issue. Please reply with the solution to this issue. 

XXXX XXXX
Consumer complaint received 2020-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: STATE FARM BANK, FSB (TX)

2 Years ago, after settling with modification. Agreement was made to pay XXXX per month instead of {$850.00}. This month the loan got sold or transferred to another provider, with out us knowing. The amount We paid in a two year period was never applied to balance. This bank deceived me into paying XXXX knowing they would sell their note to someone else.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In brief I believe that I have been a victim of predatory lending practices, relative to my mortgage loan and attempts to refinance my mortgage loan so that I can keep my house, by the following : Bank of America XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OH)

Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to XXXX XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act.
Consumer complaint received 2020-12-29
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 charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

On XX/XX/XXXX I received two emails stating that my payment schedule had changed for my income-based repayment plan, which I was under the impression would not expire until XXXX of XXXX. I logged into my inbox and found two documents explaining how my payment schedule would change and how much my monthly payment would increase although neither explained why this was happening. 

On XX/XX/XXXX I called Navient to verify why this was happening. The representative told me my XXXX plan expired on XX/XX/XXXX although unable to state why it had expired. The rep asked me 4-5 questions for a pre-approval in order to renew the plan and emailed me the link for the remaining information. Our call was disconnected early. I called back and the 2nd rep told me my current XXXX plan was active until XX/XX/XXXX and not too worry about the increased payment. 

On XX/XX/XXXX I called Navient again to verify if my XXXX plan was current or expired. The rep informed me that the extra payments I made during the past 6 months had pushed the payment schedule ahead and the system automatically expired the plan. She said she could rectify this issue and to check back in 24-48 hours to verify the changes. I was under the impression my monthly payment and schedule would reflect the same amount for my XXXX XXXX plan. 

On XX/XX/XXXX I called Navient to ask why the above changes were not reflected in my online account. The rep did not appear to have information to the above call. After approximately 40min on the phone he told me he could have the situation rectified and to check back in 24-48 hours to verify the changes. I asked to cancel the recertification of my plan since I wanted to remain in my current plan. He mentioned since we were so close to my XXXX due date ( the 5th of each month ) it was likely that the changes were unable to be made by this XXXX and I would be paying the increased amount. He assured me this payment would continue to be counted within my XXXX XXXX plan. 

As of XX/XX/XXXX I do not have a resolution to this issue. Navient does not appear to be training or supporting their customer support team in order to identify and rectify these issues. Navient 's online system appears to be set up to discriminate against extra payments made or other actions taken to pay back loans more efficiently. I have been paying my school loans through Navient for 8.5 years now and have had many conflicts. It appears as a whole they are largely unregulated and not held accountable for their actions.
Consumer complaint received 2020-12-28
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: WELLS FARGO & COMPANY (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX-RISK RETAIL- 5 add a hard inquiry on my credit report per XXXX . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2016-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I still have not heard anything back from this credit bureau. This is my 3rd complaint and i 've sent a total of 3 disputes as well with everything requried by identitytheft.gov and the ftc. The attachment has my ID theft report. Thank you so much for helping me.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Remove XXXX Bank that is open on XXXX XXXX, XXXX, that has me listed as an authorized user because I am not. Balance is XXXX Remove XXXX XXXX Bank XXXX that is opened on XXXX XXXX, XXXX, that has be listed as an authorized user because I am not. Balance is XXXX
Consumer complaint received 2022-10-03
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: ALLY FINANCIAL INC. (PA)

On XX/XX/XXXX Ally Financial is not following the Coronavirus Cares Act to remove or not report late payment. I was late XX/XX/XXXX due to Covid- 19 pandemic. under code 15 USC 1681S-2 ( A ) 1 ( F ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. )
Consumer complaint received 2020-04-23
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. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (KS)

There is a public record listed on my Experian credit file which is a FEDERAL TAX LIEN Docket # XXXX which is NOT mine it is my fathers I have never owed the IRS. This is very inaccurate information and untrue and I want this remove ASAP
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (WA)

My credit report shows I have an AMEX account with XXXX balance. It 's been on my report for over a year and the credit reporting agencies say they ca n't remove it because it is something that AMEX is reporting to them. I 've called AMEX and they do n't have any record of me having an account with them which is true ... so I am not sure why it keeps showing up. It needs to be removed.
Consumer complaint received 2020-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

I was sue for a debt i didn't owed, i did won the case, plaintiff and court dismissed the case, but shows in my credit report as sold pro Collect a collection debt for {$1700.00}. this is illegal.
Consumer complaint received 2016-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Collection Systems, Inc. (MA)

My former employer XXXX XXXX pays XXXX % of my tuition with XXXX XXXX University. XX/XX/XXXX I enrolled in class and withdrew from the class in XXXX XXXX. I was never sent a bill for the class. XXXX and XXXX had a tuition deferment agreement that no money was paid upfront and XXXX would pay XXXX % of the tuition at the end of the semester. I continued to be employed by XXXX until XXXX XXXX during that time I never received a bill or notice from XXXX or XXXX stating that I owed money. It was my belief that the class has been paid for. 

XX/XX/XXXX I received an email stating that I was being sent to collections for a debt XXXX+. The woman at XXXX I spoke with at the time told me they had been sending bills to my SNHU email ( I never opted into that and since I was only enrolled for 3 weeks I never checked the email account after I withdrew from the school/class. ). 

Obviously XXXX is refusing to pay for the class because I am no longer a employee. 

Last month the debt hit my credit report and after speaking with XXXX and National Credit Management who is the Collection Agency for the account, it is clear they do not have a phone number for me or current address ( moved in XXXX XXXX ). 

I do not believe I owe this debt, as SNHU failed to properly notify me of the debt, refuses to validate the debt and has a tuition agreement with XXXX. This bill should have been sent to XXXX XX/XX/XXXX. Even if XXXX had emailed me at my personal email ( which they have on file ) or mailed me a bill or notice in the 10 months following the class I would have handled it with XXXX since they were fully paying the bill.
Consumer complaint received 2020-12-24
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. (SC)

XXXX ans equifax Are reporting my XXXX $ XXXX, 2010 credit Card as closed. The account is still Open. This lowered My score due to incorrect reporting. I need this corrected and reflecting as OPEN as soon as possible, I am in the mortgage process.
Consumer complaint received 2020-12-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I mailed dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my report.
Consumer complaint received 2015-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

Experian is false reporting ID theft and misleading information of bankruptcy and inquiries. All related information to this matter has been given to Experian XXXX times over as to police reports of ID theft and false reporting of bankruptcy given. Experian continues to report financial harming information. Please you assistance is greatly needed. 
Thank you, XXXX XXXX - Contact # XXXXXXXXBelow are the dates when information has been sentXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed & emailedXXXX XXXX, 2015 mailed
Consumer complaint received 2020-12-26
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. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

The NewRez LLC are the worst company that I have to deal with. The only assistance they can provide is a forbearance for 3 months that is due at the end all at once. So if you have 4 months of mortgage payments laying around at the end of the COVID-19 pandemic you will be fine if not good buy to your house. I understand its a business and they will make a lot of money with I'm sure a government bailout and lots of foreclosures from not helping any american home buyers. as soon as this is over i will be looking to refinance and get my mortgage as far away from this company as possible. I have been calling the company since XXXX I have been told that my account has been placed in the forbearance status and the letter will go out with the information. Its been 3 weeks no letter and when I called the lender I receive conflicting information from different representative. This is very frustrating as I'm a healthcare worker and simply do not have time to be on the phone for hours to resolve these types of issues. I have file a complaint on the XXXX website and when you read the reviews I believe that something needs to be done about this company. 
Called XX/XX/XXXX spoke with XXXX CalledXX/XX/XXXX spoke with XXXX CalledXX/XX/XXXXspoke with XXXX Please Help! 
XXXX
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

I have file two offer complaints with Experian for not updating or removing account base on letterhead from child support asking them to remove any delinquency and account is up today {$0.00} balance. Compliant # 1 : XXXX on XXXX/XXXX/XXXX, Compliant # 2 : XXXX On XXXX/XXXX/XXXX. They remove delinquency but they still reporting a balance of {$180.00}. I file a complaint with XXXX and they updated account right away XXXX XXXX/XXXX/XXXX. There was no need for me to take any further action with XXXX they followed legal document sign and dated by Child support. Experian rather still report and remove what they feel like regardless what creditor who reported in the first place is asking to report or update with a letterhead. I also make a complaint with Attorney General, and XXXX letting them know what my experience with Experian as been very disrespectful. I attached a copy of the why Experian is reporting my account after they clearly know and contact child support and still showing a balance of {$180.00}. I attached a new letterhead from child support with Supervisor Signature stating the account as XXXX balance and do not report or remove any delinquency from this account. I attached XXXX Compliant and Attorney General complaint that Experian has to legally respond too. I should not have to go through all of this if Experian follows Letterheads from Creditors. If they still feel the need to get more information from the creditor do n't do it at the consumer expense they have more to lose. 30 to 60 days should apply to account that has no proof from the consumer.
Consumer complaint received 2020-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NC)

On around XX/XX/XXXX of 2020 I authorized unemployment to make a direct deposit to my PAYPAL Inc. Account in the amount of {$560.00}. PayPal accepted the deposit and then immediately froze my account and said they wished to longer do business with me. My account was " closed '' and they said that any balance on my account would be held for 180 days. I had used my account for various purchases from where I had deposited cash to my account. I've never had money deposited from anyone buying anything from me. So there would be no reason to hold my money for so long to allow a customer to dispute a purchase from me, since there never was one. The {$560.00} balance in my account is from my unemployment benifits, so obviously I need that money and have since XXXX. I have tried persistently to get in touch with PayPal and resolve this matter to no avail.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

I received a credit card offer. The first page had XXXX lines ( I 've marked those on the attachment ) with numbers indicating footnotes, but there were no corresponding footnotes. The bottom of the first page, the one with all the offer language, stated " Please see page XXXX of insert for Additional Disclosures '' but I could find no additional information or further limitations on their offer.