davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (CA)

Lending Club Corporation is reporting incorrect information on my account. A representative from LendingClub called me about my past due payment. I tried making the payment the next day but couldnt because I was sent to collections. This was not explained to me by the agent that called me the day prior. I am asking Lending club to make things right by removing the remarks on this account that states the balance was purchased by another lender.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

I hope all is well.. 

Im not for sure why my security freezes are not on all 3 bureaus. I really need the security freezes put back on please. Im having fraud and identity theft Issues again. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've already submitted a complaint and 2 Bureaus removed all inaccurate accounts yet transunion refuses to fix any errors. I've asked for their methods of verification as those accounts don't belong to me.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Our home insurance premium is past due. It was due XX/XX/2018 and I have confirmed with XXXX today that Wells Fargo has not paid our premium on our behalf from our escrow. Additionally, they have increased our escrow payment significantly each year in the past two years since we purchased our home. Our payment is now almost {$200.00} more than it was when we signed our fixed rate mortgage. Its soon to be {$75.00} more than that, with their estimated escrow increase. 
Our taxes have increased, but only slightly, not {$2400.00} a year. 
Finally, I want to get out of escrow with them and they said I have to use their appraisal company to appraise my house to see if we have 20 % ownership.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one at XXXX XXXX XXXX in XXXX Louisiana Received a court order to close an account from a settle estate for {$110000.00} on XX/XX/2022 They stated this would take 7-10 business days after that time capitol one sent three checks for {$490.00} each Returned to Capital one on the XXXX of XXXX Capital One stated they had drop the ball 12 days later there was still no check from Capital one I was given an email address to there ( estate dept ) there has been no response from the estate dept also you can not call the estate dept So a complaint was filed with there complaint dept, and the branch manager at XXXX XXXX XXXX no response We would like Capital One to issue the checks for the correct amount in a timely manner
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (DE)

I have loans serviced Navient, ever since they were transfered there from XXXX XXXX I was only provided with the option of being in foreberance instead of providing me with lowerpayment plans based on my income. I spent hours on the phone explaining that I did not make enough money to pay the monthly installment they kept telling me was required. I filled for foreberence more than 4 times because they told me I had no other options. I submitted my tax returns, in addition to their form depicting all my expenses, every year for the past 4 years that demonstrated that I was not able to make the monthly payment Each time I was told that I would be required to pay over $ XXXX/month. That payment based on the documentation that I submitted that summarized my monthly expenses, including my home, car and utilities, would have put me into a deficit each month. This past summer I was finally able to renegotiate a plan that is still above what I had requested, but is more manageable. Unfortunately it means I am paying excessive interest on my student loans. In addition, as a teacher in a XXXX school, I had to submit the paperwork to have my student loans reduced for service, 3 times. Each time it was " never received ''
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (AZ)

My Personal information was compromised and Im now seeing a CLOSED account from XXXX XXXX that was applied for fraudulently on XX/XX/2022 reporting on my credit report I have not applied for anything and this is not my account. 

I have file a police report with the XXXX XXXX XXXX and have filed a report in reference to this account XXXX  XXXX
Consumer complaint received 2022-08-23
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: LoanCare, LLC (CA)

In accordance with the Fair Credit Report Act Loancare Acct # XXXX They have violated my rights. 
15 USC 1681 Section 602 states " I HAVE THE RIGHT TO PRIVACY '' 15 USC 1681 Section 604A section 2 : It also states " A consumer Reporting Agency can not furnish an Account " Without my written instructions '' 15 USC 1666B : A creditor may NOT treat a payment on a Credit Card Account under an open end consumer credit plan as late for any purpose Done
Consumer complaint received 2020-03-19
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. (AR)

tried to dispute inaccurate information a couple of weeks ago. I have previously disputed it several times over last ten years and can't get it corrected. Tried to use the Equifax website to dispute again and was told had to call. Call menu required them to send me a code by mail. Got the code. 

Tried to dispute with the code, XX/XX/2020 and was told had to call XXXX. Called got through security questions and was put on hold. on hold ... on hold on hold, Didn't feel like staying to midnight just to get hung up on, so filed this complaint when call timer on cell phone went over 60 minutes.
Consumer complaint received 2022-04-11
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. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands
Consumer complaint received 2022-08-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

my dispute, the application doesn't show my social security number. the application shows another persons social security number. according to the fcra which is being violated, I am requesting removing and compensation. I was denied for housing due to this fraud account being on my report, even after I disputed this account multiple times. this is the original application from XXXX XXXX that support my dispute for removal and compensation.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (PA)

On XX/XX/2020, Marcus by Goldman Sachs opened an account illegally online without my permission. The company used my name, birthdate, social security and opened an online Goldman Sachs savings account. I called the company on XX/XX/2020 and spoke to four different  people regarding the fraudulent account. The names of the people XXXX, XXXX, XXXX and a specialist in the Fraud Department. I told them that a false, online savings account was opened in my name and I was upset that they would do this without actually doing some investigative work regarding the person being a robot, a thief or an actual, qualifying person. I was told that it doesn't take any money to open up an account and that is how most banks do their banking. I mentioned that all three credit monitoring companies have been frozen for several years and I also have XXXX  which when checked tells the banks of any identify theft problems regarding the account. After talking to several representatives of Marcus by Goldman Sachs, they said they will investigate and close the account. I am very wary that this account may not be closed and that is why I am submitting this complaint. What bothers me about banks letting accounts to be opened, they send a statement that you will be held responsible for this account, even though you did not open it. It takes the online person minutes to open and it takes me days or weeks to close these accounts. The rules of the system must change and the banks seem to be indifferent regarding this and do whatever they want to do.
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act accounts XXXXl XXXX bank XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 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 2022-08-23
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NY)

my dispute, the application doesn't show my social security number. the application shows another persons social security number. according to the fcra which is being violated, I am requesting removing and compensation. I was denied for housing due to this fraud account being on my report, even after I disputed this account multiple times. this is the original application from wells fargo that support my dispute for removal and compensation.
Consumer complaint received 2022-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

Hello. 

I have student loans with FedLoan Servicing. I am in the process of working towards XXXX XXXX XXXX XXXX  Towards the end of XXXX I was reviewing my payment count on the FedLoan website and noticed that I was not given credit for several payments while I was in XXXX. This prompted me to have my bank pull statements, which show XXXX student loan payments were made during this time. I then called FedLoan Servicing and spent several hours on hold before I was able to talk to a representative. She recommended that I upload the bank statements, along with a letter detailing the situation, to their website. I submitted this documentation on XX/XX/XXXX. I also submitted a new XXXX application at the same time. 

In XX/XX/XXXX I was notified that neither documentation were accepted. The rationale that I was provided for the XXXX application was that the signature appeared to be computer generated ( it was not ), and a new form would need to be provided. The rationale for denying the bank statements was unclear as I was simply provided a rejection letter that was directed towards the XXXX application form. 

I have since resubmitted these forms and e-mailed FedLoan Servicing to inquire as to the status of my applications. As of writing this I have not received any response. Any help that you could provide would be greatly appreciated.
Consumer complaint received 2020-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

On several occasions I have attempted to come to an agreement for a repayment plan now being in the military and they have explained, " we have no military benefits available ''. 

Recently I have been redirected on occasion to XXXX XXXX XXXX while attempting to reach Navient. I am not sure if Navient is selling certain loans off or if they have simply created another entity in order to avoid yet another lawsuit.
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 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 2022-09-15
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: GOLDMAN SACHS BANK USA (OK)

Hello, I initiated a payment to this card company, using their app and my bank information. A day or so later I called in to cancel this payment because I had used the wrong bank information. I was notified that my bank union would be mailing a check directly to them on my behalf which is why I canceled that payment. My balance at the time before I had initiated any payments was XXXX. Goldman Sachs says ( on multiple calls ) that have indeed received the check, and it has posted. The problem is my balance is now XXXX. Goldman Sachs is saying that when they reversed my payment that I had initiated, it doubled my balance. Clearly this is a mistake, my balance should only be {$22.00}. Please help, Ive done multiple disputes and all come back with the same answer, that my balance is doubled and that that is right.
Consumer complaint received 2021-06-06
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. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXXmaccount number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$4900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (FL)

I would like have the following unauthorized inquiries removed : 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 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
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diaz & Associates, Inc. (TX)

In XXXX, I reported a fraudulent account on my credit profile from XXXX XXXX that was opened in XX/XX/XXXX. I do not have and have not ever had an account with this company. 

I contacted all three major credit bureaus, provided them with the correct information including the fact that I did not live in the state where this account was created, nor was that my last time. The account was removed from my credit report in XXXX. 

However, now another collection company by the name of Diaz & Associates has re-inserted this information on my credit report. I have disputed this with the credit bureaus and this company and the credit bureaus continue to state this information is valid. It can not be valid when it was previously removed my report as fraud.

Diaz & Associates sent me a computer generated lease agreement with an ELECTRONIC signature that is not mine, this can not be used as a means to determine the validity of the debt. It is extremely egregious that a credit bureau would allow a collection agency to add information that has been removed previously.
Consumer complaint received 2022-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I'm submitting a complaint about Experian. 

On XX/XX/2022, I logged into my XXXX XXXX XXXX ( online access ) and was shocked that my credit score had fallen more than 70 points. XXXX XXXX XXXX indicated that one major factor was a recent ( since XX/XX/2022 ) drop of {$8500.00} in my credit limit. One day earlier, I was notified that XXXX had actually increased my credit limit from {$16000.00} to {$23000.00} proactively. I have never experienced a decrease in my credit limit, and a mistake must have been made in reporting to a credit bureau. 

XXXX support referred me to Experian support for assistance with the XXXX XXXX XXXX reported information because the application is powered by Experian. Experian support staff told me that my current credit limit they are aware of is the correct amount of {$23000.00} but refused to tell me what credit limit history they have. They refused to provide any additional credit history information unless I agreed to sign up for a membership with monthly fee. My account in Experian online free access showed two credit accounts I was not aware of and never set up, and I filed disputes. It is illegal for Experian to deny my file history to me when I am investigating incorrect file information that could be the result of fraud. When asked to speak with a supervisor or another department, I was told by the Experian support staff that they were the highest person I could speak to and only the membership department could assist me with paying for service to gain access to other data on my own credit history.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (TN)

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX GA XXXX The following account was charged off as of XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

My student loans are showing up twice on my report. 1 They are consolidated into 1 account but its showing as 34 different accounts. The accounts have been transferred but are showing chargeoff. I have been going thru this for 2 years.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

First Started with XXXX and into about mid term realized that XXXX was charging {$600.00} /credit hr when supposed to charge {$360.00} /credit hr out of state tuition. When I challenged them on this and threaten contact XXXX and stop [ the loan they told me I could not do that. The Department of education abolish my loan and would not be able to borrow any money for other collages. I have to continue with XXXX. Well XXXX Said they would correct the tuition charges. They never did. They kept charging me what ever they wanted. I was earning XXXX degree in XXXX. Then when XXXX got into trouble my loan was transfered over to Navient. I contacted them about the over charge that XXXX was doing. They told me that it was nothing they could do take it up with XXXX. Ok here is something else. When I took on this loan Subidized and un-subsidized loan interest rates where 2.8 % and 3.8 %. XXXX overchaged me {$58000.00} for a XXXX degree and Navient would not help me fix this and also the interest rates are now jacked up to 6.8 % and my loan is running away because each year Navient jerks me around on the IDR processs and put me in forbearance and told me I could not pay anything while the interest piles up. 3 year ago my loan was just over {$57000.00}. 3 tears later is now {$65000.00} that is {$8000.00} every 3 years interest? Something is not right with XXXX, XXXX or Navient. PLease contact me for more info
Consumer complaint received 2022-07-29
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. (IL)

I recieved a response to a dispute letter that I sent. They said the accounts were verified as accurate. I responded on XX/XX/2022 with proof of all the inaccuracies that are still being reported. They are conciously still reporting inaccurate information on my consumer report.and they still havent responded in the required time of 30 days. Please inforce my rights and request these accounts be removed immediately.