davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution.

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers.

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.
Consumer complaint received 2022-07-19
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. (FL)

In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I've Contacted CREDIT CONTROL CORP in writing in XX/XX/2021. About Multiple medical debt that say I own with a debt Validation letter. They did not responded of prove that these debt belong to me. I've also called them in XX/XX/2021. About older debt that they say I owe which is pas sits statue of limitation in the state of Virginia and can't legally collect from me. They was rude and combative. They was not willing to help me at all.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Delinquent account — 
Company: STERLING JEWELERS, INC. (KS)

I had an account with Kay Jewelers and it was discharged through chapter XXXX bankruptcy in XXXX XXXX. On my XXXX dispute it continues to show a late payment for every month starting XXXX XXXX - XXXX XXXX. This is completely inaccurate considering I was in active bankruptcy from XXXX XXXX - XXXX XXXX. I have disputed these late payments with XXXX and the creditor both with no resolution so I am now submitting a complaint with your office.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I have had a mortgage for over XXXX years, which admittedly was not fully understood by me of how it would work. It was Interest only. Now XXXX years later the monthly payment has increased nearly {$600.00} a month which is impossible for me to pay. The mortgage % rate is currently 5.5 % and I made inquiry with the lender to refinance at a lower rate so that I could make the payments. The response was that my credit rating was too low and I would not be granted a Refinance It was then suggested that a loan modification could be made. I have dutifully responded to the slow responses and requests from " modifications '' with seemingly deliberate stalling. All this is occurring while my mortgage payments that I can make are not applied and I receive threatening letters concerning additional late fees and warnings of foreclosure even as I am trying to find a way. 
The mortgage holder seems content to say my credit is too low to get a lower reasonable interest rate that I can pay in total, even as I as a taxpayer, helped provide funding for the availability of extremely low cost funds to lending institutions through the mortgage crisis. I concede that I was not fully understanding of the terms of the mortgage an the impact it would have later, but I wish to pay the loan off in good faith with some consideration for fair play an common sense. Failing to remove all penalties and lower my interest rate to market rates will force me to be foreclosed. I have paid in excess {$150000.00} in interest with no reduction of principal owed, so the only XXXX losing would be me. The original loan amount was {$260000.00} and now it is {$280000.00}. 
I am single, struggling to maintain a household despite the mounting expenses What I would like to see occur is simple and reasonable and is as follows:1 ) remove all penalties and interest on penalties that have accrued. 
2 ) Reduce my principal to the original amount of XXXX and reduced by what I have paid the last several months that have not been applied. 
3 ) Make a loan modification of using the adjusted principle and an at market favorable rate for a 30 year fixed mortgage ( it makes no sense that I should continue to be held to a higher interest rate, when a lower rate will allow me to be solvent and a good debt repayor ) 4 ) Retract any negative credit notations applied this year. 
The lender is indifferent and after researching, has had many complaints from honest people trying to make good & gt ; I would seriously have expected them XXXX quickly wish to engage me when I first notified them I ( and they ) are in peril. Please help to engage them in being reasonable. I helped bail them out via my tax dollars, now I need the assistance with a reasonable and achievable debt repayment plan.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (MA)

I recently attempted to close a checking, joint checking and savings account with BBVA. BBVA had recently purchased my prior bank, Simple. Upon calling BBVA to close the account, the customer service representative, who I spoke to on Thursday, XX/XX/2021 at XXXX, indicated that she could not send me a check for the remaining proceeds in my account and that instead she could only close my account if BBVA could keep the funds in the account. The proceeds were less then five ( XXXX ) XXXX 

The bank indicated they could only send me a check if I mailed them a notarized letter requesting to have the account closed, but could not do so on the phone, even after asking several questions to verify my identity. 

This appears to be an unfair and deceptive practice on the part of the bank and puts an unnecessary burden on consumers. I told the rep to keep the remaining proceeds and to close my account so I wouldn't incur any fees.
Consumer complaint received 2015-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We filed for Bankruptcy in XX/XX/XXXX and our case was discharged as planned. However TramsUnion has been has continued to report the XXXX credit card info that has been discharged. I 've gone back to the bankruptcy lawyer that assisted us in the bankruptcy but we have not gotten resolution. We would like XXXX XXXX stopped reporting to my credit report per our bankruptcy. Last reporting date was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXXLast Past Due : XXXX/XXXX90+ Days : XXXX/XXXXXXXX : DEBT INCLUDED IN OR DISCHARGED THRU BK XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATEXXXX : BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX REV XXXX XXXX C XXXX 1963 XXXX XXXX XXXX XXXX XXXXCreditCardXXXX XXXX XXXX30 Days : XXXX/XXXX60 Days : XXXX/XXXX90+ Days : XXXX, XXXX, XXXX
Consumer complaint received 2024-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

This is an old utility bill that was originally opened by my younger brother, in my name. I have disputed this several times. The debt just keeps getting purchased by other debt collection companies. Most recently IC Systems. It is being reported as a current debt on my report for {$1500.00} as of XX/XX/XXXX. This reporting is false. This debt is more than XXXX years old, on top of being fraud. My brother, XXXX XXXX, has since passed away on XX/XX/XXXX. This debt needs to be removed from my report. What IC Systems is doing is a violation of the FDCPA and its is an out of state debt.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I received a copy of my credit report on XX/XX/20 By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report XXXX XXXX XXXX account XXXX, it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ) ( a ) you must complete this investigation within 30 days.
Consumer complaint received 2024-02-22
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit Acceptance place the loan in a temporary forbearance due to COVID. Once the forbearance period was over the creditor placed the entire past due amount on my credit report as of XX/XX/2021 which is {$4300.00} I would like to file a complaint against Credit Acceptance and request some type of payment agreement or place past due amount on the back end of my loan
Consumer complaint received 2023-05-05
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: U.S. BANCORP (MN)

Fraud was reported XXXX XXXX to US Bank for multiple charges totaling approximately {$3000.00} on my U.S. Bank credit card. Several charges have already been issued provisional credit by US Bank. However, additional fraud charges that have not been addressed remain. These charges are for $ XXXXrestaurant, $ XXXXXXXX XXXX, $ XXXX XXXX I have discussed these remaining fraudulent charges multiple times with US bank representatives in the fraud services, area, and always been assured that the charges will be reversed. As of today, XX/XX/XXXX, the above charges have not been reversed. Since these charges are a result of negligence on the part of US bank, I would like them reversed, as soon as possible, and not just reassurances that the charges will be reversed. I have a very limited buying profile and these charges are widely outside of that, both in purchase type and geographical area. It is obvious to me that no one was practicing. Know Your Customer when reviewing these charges for processing. 

I appreciate all your assistance, and please feel free to reach out to me for any additional information that may be needed to resolve this case.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to my recent credit report request from XXXX, Transunion, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX, TRANSUNION, & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be  compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX  XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX   Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX/XXXX XXXX XXXX  Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX   XXXX XXXX Account Number XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Type Collection Account Collection Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX  XXXX XXXX XXXX XXXX   XXXX Transunion Account Number XXXX XXXX XXXX Account Type Revolving Account Revolving Account Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Revolving Account THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT XXXX & XXXX XXXX XXXX XXXX Transunion Account Number XXXX XXXX XXXX THE ABOVE ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2016-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: States Recovery Systems, Inc. (NV)

I checked my credit report and found that States Recovery Systems has listed an account as an adverse, in collection account. I have paid this debt with the original creditor, and have told SRS this on many occasions. I also requested that they verify the original debt with the original creditor and no verification was ever provided.
Consumer complaint received 2015-08-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NE)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NE XXXX have a private student loan ( through XXXX XXXX, now Navient ) that went into default and cosigned on a private loan that also went default. XX/XX/XXXX, I set up terms with XXXX XXXX XXXX ( XXXX ) to get off the co signed loan and make payments to mine. The agreement was to pay $ XXXX/mo for 3 years without missing a payment. I then would be taken off as a co-signer to that loan, and to discuss a buy out option on mine at the end of the term. I agreed. It was a verbal agreement via phone. Nothing was signed. I payed them {$500.00} at the time of the agreement XX/XX/XXXX, and the 1st automatic payment was at the end of that month. Then they automatically withdrew payments of {$150.00} ( from XX/XX/XXXX ) on, or around the last day of the month for the next 3 years. 
I called them XX/XX/XXXX to verify how much longer I needed to pay. They had no record of the agreement that was made. They told me I still had to keep paying, do a buy out option, or make payments upwards of $ 300/mo. But they did not say for how many years. They said only a small percentage was actually going to the loan itself, and since the payment was going towards XXXX defaulted loans ( mine and the co-signed XXXX ), only about {$4.00} of the {$150.00} was being applied to each outstanding loan balance. 
The director of finance at my job told me to ask for an amortization because they are required to give that. I asked XXXX for an amortization of the payments to see where the money was being applied but they said they could not provide me with one. I talked to XXXX XXXX ( works for XXXX ) about trying a buy out for {$2500.00}. I had {$2100.00} in savings and checking combined. I offered him that, but he refused. And he had to have all the money today or the offer was no good. 
I contacted Navient, who transferred me to their " account portfolio manager '' and I told her the situation. I told her I believed the collection agency Navient sent me over to was fraudulent. But the lady said there was nothing she could do. Of course I could hardly understand her because she was from XXXX. I asked her if I could go back to paying Navient directly. She said no. She could only tell me she was affiliated with Navient, but I was talking to a separate company. And that she was going to be assigning a different collection agency ( XXXX XXXX ). I did not agree to that but she did not change her mind. I have received XXXX letters, XXXX from XXXX XXXX and the other from XXXX XXXX offering a buy out option on the co-signed loan. 
I do not know which companies to trust. I do n't think Navient is very trustworthy either. I believe the private loan side is in cahoots with the collection agencies they 're assigning. I can not find an unbiased source to talk to for help, other than the CFPB.
Consumer complaint received 2022-01-19
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: WELLS FARGO & COMPANY (NV)

XXXX $ was stolen out of my bank account on XX/XX/2021 Ive been trying to dispute this claim for 40 days now every time I get this escalated Ive been give the ring around transferred have been on hold for more than an hr each time all for Wells Fargo to push my claim Out and start the process all over again. They tell me the claims officer working my case isnt available or is out for the day and its frustrating please help me.
Consumer complaint received 2019-05-21
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. (AL)

In XX/XX/XXXX I realized that I had become a victim of identity theft and so I reached out to the proper authorities and filed an identity theft report. I then began to dispute these accounts that I did not open off my credit report. I reached out to the 3 main credit bureaus and they still are not respecting and following the Federal laws that are in place to protect consumers. They are deliberately failing to follow the guidelines of the FCRA 605b which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX Experian, and XXXX XXXX to follow the law, they clearly feel as though the law does not apply to them when it comes to victims of identity theft. The following accounts are accounts that were not opened by me and I ask respectfully for them to be removed from my credit report : XXXX XXXX Account # XXXX Balance {$560.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance {$17.00} Opened XX/XX/XXXX XXXX XXXX XXXX   XXXX Account XXXX XXXX Balance {$74.00} Opened XX/XX/XXXX XXXX   XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX   XXXX XXXX Account XXXX XXXX Balance {$360.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$210.00} Opened XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Balance {$1200.00} Opened XX/XX/XXXX There were also inquiries that were made on my credit report without my permission and those are listed as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported 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 2015-10-23
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (CT)

I loaded money on my RushCard Visa @ XXXX. I logged onto my account & my money was n't loaded on my RushCard. I called RushCard & waited on the phone to talk to a rep for 2 hours. I finally got tired of waiting for a rep so I hung up. I 'm so disgusted, disappointed & upset. I called the number on my XXXX receipt for a refund, I typed my card number & XXXX digit security #. It said my card was invalid. That 's XXXX! My RushCard is n't invalid. I want my {$52.00} + {$3.00} reload fee refunded.
Consumer complaint received 2015-10-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

Hello, I believe I was discriminated against when I got my truck loan from ally financial bank from XXXX XXXX in XXXX TX. The reason for this I offered a loan at 15 % interest rate from ally but ideas offered much lower rate from different creditors at same time for similar trucks. I accepted the deal but paid more in interest which is illegal.