davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

My insurance agent XXXX XXXX had two farmers agencies and a title and loan office in XXXX in XXXX  he was investigated and all of his accounts XXXX. I found out that there's a home equity level and a refinance on my house with over {$100000.00} added to the mortgage the information that I get sent has been tampering with including bank statements and insurance policies this has been verified by the Banks and the insurance companies I have fans that there is a bank account connected to my tax return at Wells Fargo Bank I have copies of back office copies of the account it is what the bank since the printing company I was told it is not to be in the hands of the customer and printed on paper it is usually only in electronic form not on paper. 
Whoever this person is that works at the bank or the printing company has very high level access they are able to change or falsify the statement information. This is how I'm having problems with fake receipts and false information on my statements. All of this can be verified from the insurance policy and the bank statements.
Consumer complaint received 2017-04-28
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: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX   XXXX   XXXX  was disputed on  XX/XX/XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XX/XX/XXXX      My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When  XXXX  found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with   XXXX   and no luck. Attempted to resolve with   XXXX   XXXX   XXXX  , Chex systems, and no luck.       XXXX   Today I have found that I can not open any accounts and have found myself without banking for businesses.  XXXX   XXXX  and  XXXX . I am not able to write checks to employees or conduct business.     I am desperate to talk with someone to help the situation as we will be going to collect federal assistance if I can not cash the checks.     Please help.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ME)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: AMERICAN EXPRESS COMPANY (GA)

American Express has been stealing money from me for the last 12 month 's through very sneaky, shady, and intentionally devious practices. Over the last 12 months they have manipulated my APR % rate up to 27.49 % while trying to increase by 'extended pay balances ' so they can charge the rate on a higher balance. Year to date they have charged me {$5500.00} in interest charges along with {$660.00} in other bogus charges. All of these unsavory/unethical practices without ever informing that they were doing it. Once I noticed this in XXXX of 2016 they told me they 'd reverse it and NEVER do it again. Recently I balanced my statement and saw that they never stopped and have been doing it all yr. They claim I was late on a payment in XXXX, which I notified them of because of a {$51000.00} IRS tax bill, they told me it was fine and that they would work with me- never once telling me that my APR rate would change. I made all in arrear payments in XXXX and have always satisfied all of my obligations as a 13 yr loyal cardholder w/AMEX. I numerous documented and recorded calls w/AMEX where I have been told repeatedly that I would not be charged this APR, late fees, lose reward points, etc and then they go ahead and do the opposite for my acct and hide it in small writing on my monthly statements in the very back of the statement. AMEX has become an untrusted partner that is surely conducting this type of fraudulent behavior w/many of it 's customers.
Consumer complaint received 2024-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I attended a for-profit scam school ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) . This for-profit scam school closed years ago, not too long after I graduated. I was misled with information by an admissions rep, and was promised job placement, work while I attended school, etc, etc. Believing this to be true, I enrolled and took out a loan with Sallie Mae, who was eventually turned over to Navient. Sallie Mae promised easy, affordable repayment. This was far from true! I have been paying on my loan for XXXX years, and my balance has only decreased {$3000.00}! I am post class with the XXXX vs XXXX case, as I have filed Borrowers Defense ( case # XXXX ) on my federal loan for this same school. My private loans should be discharged, because I took them out under circumstances that led me to believe I was getting the education promised to me. In reality, the school I attended was a fraud, and ended up closing. I have requested deferment or forbearance on my private loan but have been told for years that interest only payments is the only option. I recently became disabled, and told Navient I could no longer make the payments. They never provided me with any options. After doing some research on their website, I called back and requested a disability loan forgiveness application to be mailed to me. I never received this application, and they reported to the credit bureaus that I defaulted on my loan. I called back and they FINALLY offered me forbearance and said it would bring my account current, said they would mail me an application for XXXX loan forgiveness ( have not received it yet for the 2nd time ), but refused to remove the late payment from my credit report even though my account is current. I explained that in my entire credit history with ANY lender, I have NEVER been late on a payment ... .ever! My credit has always been over 800. Due to Navient 's lack of options and cooperation, my score dropped XXXX points!!! My daughter ( XXXX ) and I are in the middle of a move, and this massive drop in my credit is affecting my ability to secure housing. I am a single, solo mom trying to stay afloat and provide for myself and my daughter. This loan is literally ruining everything I worked so hard at maintaining. This private loan needs to be discharged, as I have been paying for XXXX years with only {$3000.00} movement which is a total scam by Navient. I also need my credit reinstated, as my account with Navient is current!
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have consistently disputed the inaccuracies in the provided information with XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XX/XX/2023 XXXX. The following personal information is incorrect Employers : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( XXXX ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report. 

TransUnion XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX NM XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  NM XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX This is not mine. 
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please remove this inaccurate information from my credit report
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (PA)

Letter rcvd XXXX/XXXX/XXXX asserting I owe them {$170.00} for a speeding ticket in Iowa dated XXXX/XXXX/XXXX ; which is past the statute of limitations, is 25 % MORE than the alleged judgement, upon calling the debt collector they assert they are not debt collectors and also recorded my call despite repeated req to NOT record ... Insisted on verification of my birth date and social, despite having my caller ID and account already provided, and wanted to argue they werre not acting as debt collectors, despite the XXXX XXXX ATTORNEY stating they ARE ... The letter does not state they are a debt collector attempting to collect a debt, and instruct to only call THEM not Iowa court. The threat of additional action like " contempt of court proceedings '' and that " Bankruptcy does not discharge any court fines or fees due in CRIMINAL cases '' THIS IS NOT A CRIMINAL CASE ITS A SIMPLE SPEEDING TICKET WHICH I WAS NEVER GIVEN DUE PROCESS IN COURT nor ever notified by any entity. IOWA statute clearly states 20 years to collect, and that has expired.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

I attempted to mobile deposit a personal check from my son 's Grandparents in the amount of {$1000.00} to his Truist Savings Account, a gift for his college graduation. The savings account ending in XXXX has been in place since prior to Truist acquiring Suntrust. Ever since Truist has taken over SunTrust, the excessive fees, holds, inability to speak with a representative in the United States and more has been common place. As soon as I finished making the mobile deposit, I receive an email that said that a hold has been placed on the check until XX/XX/year> ( today is XX/XX/year> ) because an amount similar to the {$1000.00} has not been mobile deposited to the account ending in XXXX in recent months. It is my understanding that per Federal Law, a financial institution can only place a hold on funds for the following reasons : 1. ) This is a new account.

2. ) The deposit was made from a non-Truist ATM.

3. ) The deposit amount was {$5000.00} or more.

4. ) The check was returned and redeposited ; or 5. ) There is a reasonable expectation the bank will not be paid ( Truist will not be paid by XXXX ; the bank the check originates from. ). 

None of these instances apply. I understand funds not being available until the next business day ; however, placing a hold on funds in the amount of {$1000.00} written on a XXXX personal check from my parents, is not appropriate and seems borderline unlawful. Again, this was a deposit to a XXXX Savings account ; not a withdrawal, nor a substantially large deposit such as funds from the sale of a vehicle, goods, or property.

Please advise as to what recourse I have other than moving all of my funds from Truist to an alternate bank in the near future.
Consumer complaint received 2015-08-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

We are in the process of doing a short sale with Bank of america. We have submitted all paperwork and understood because it was a VA loan that it had to be denied for a loan modification before are offer for a short sale could be considered. I have recently moved out with my significant other and our baby girl and have been maintaining the property and our realtor had the lockbox on the door in order to show the property to potential back up offers for a short sale. Bank of America sent safe guard properties into the and drilled out all the locks on the doors and replaced them with their own, they damaged the front screen door, and posted signs all over the house. It has greatly diminished the value of the home and the look of the property. They are making us jump through all sorts of hoops now to get keys to the property and will not return the lockbox they destroyed or provide compensation for it and the screen door they broke. The bank is saying they have every right to enter the premises and do what they did, which is completely illegal.
Consumer complaint received 2024-03-02
Product: Credit reporting 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)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> I IAM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I submitted a few disputes to Transunion to update my personal information on my credit report. I was contacted to mail in proof, I did. The personal information was updated and I was mailed an update report. To date, the Disputes with Mailed Results is still outstanding on my account, preventing me from pulling a current credit report from Transunion or from Annual Report, submitting a dispute, or even purchasing my credit score with Transunion themselves, and my personal credit monitoring is not working either. Ive called more than 20 times, Ive spoken to more than 40 reps and supervisors from Online Services and Consumer Services with Transunion and no one seems to know how to fix. On XX/XX/XXXX, the supervisor told me a remark was outstanding on my account and that it was removed just now and to try back in XXXX hours. Nothing was fixed. On XX/XX/XXXX, a rep XXXX told me he opened XXXX XXXX with the XXXX XXXX team and they would call me in up to XXXX days, that was XXXX days ago. No one is taking this seriously there. Each day the Disputes With Mailed Results estimated date of completion goes forward a day, at midnight, right now it says XX/XX/XXXX, at midnight it will update to XX/XX/XXXX and on it goes. I have not been able to access my credit report through my account with Transunion since XX/XX/XXXX and I dont know how else to get this resolved.
Consumer complaint received 2015-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Thunderbird Collection Specialists, Inc. (TX)

This debt was originally reported on my credited on XX/XX/XXXX by Thunderbird Collections # XXXX in the amount of {$990.00}, scheduled to be removed on XXXX. Then on XX/XX/XXXX the same debt with the same company was reported again this can not continue this debt will conituen with no expiration date as long as the collection agency decides to recycle it thru. I do n't feel thie is right. I would like to see this debt removed, because of thie debt I have been denied housing on a rule of XXXX history of rental debt
Consumer complaint received 2024-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Account Number XXXX Dear XXXX XXXX XXXX ], I am writing to dispute the debt collection notice I received from your company dated XX/XX/2022. According to the notice, I owe {$1700.00} to XXXX XXXX XXXX OF XXXX XXXX However, I am disputing this debt for the following reason ( XXXX ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was incarcerated at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of incarceration I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (VA)

It started by Experian reporting inaccurate information on my business report .you have to verify your business and when I go to verify it gives my maiden name XXXX XXXX and list my business address as XXXX XXXX XXXX in XXXX XXXX when my business is in XXXX Va XXXX XXXX XXXX XXXX DBA ) XXXX XXXX XXXX home improvement cleaning services @ XXXX XXXX XXXX XXXX Virginia XXXX. Also I run a XXXX XXXX XXXX at this location name XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX the main issue is that they know they are reporting inaccurate information and want to charge you {$180.00} to update and correct your business information. I have a personal account with Experian and everything is correct but they will not correct this issue.
Consumer complaint received 2019-02-21
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. (SC)

On XX/XX/XXXX I sent a certified letter to TransUnion LLC to verify or delete three accounts that were present on my credit report according to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX TransUnion LLC responded to me via mail and removed one account ( XXXX XXXX XXXX ) that was listed, one account ( XXXX XXXX   XXXX  ) was verified by a signed contract that was sent to me via mail, and the other account ( XXXX XXXX XXXX XXXX ) was listed as verified but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number two to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number three to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On  XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim. 
On XX/XX/XXXX I sent certified letter number four to TransUnion LLC asking to verify or delete ( XXXX XXXX XXXX XXXX ) account in accordance to the Fair Credit Act, Section 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX I received a letter from TransUnion LLC stating that the account had been verified, but I did not receive any paperwork to substantiate this claim.
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

We were offered a loan modification mid XX/XX/2017 to begin XX/XX/2017. I sent in an appeal. They never took into consideration what our income was. How could they offer a loan modification without documentation. Also I sent a demand letter asking to see the note. They told me to feel free to go to their office in XXXX XXXX XXXX Utah and see it there. They are legally required to allow me to see it locally. I have resubmitted the paperwork to do the loan modification. I called the mortgage servicer they told me its too late, too close to the auction date. They told me if I can have the auction date postponed by two or more months, then they can do a review. I called everyone and I was told that they can have the auction postponed.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was only able to select one of the above options concerning incorrect information on my credit report but there are actually XXXX issues, account terms, account status and validation that this account even belongs to me. The issue is XXXX XXXX XXXX reporting different things, which may be inaccurate, to XXXX, TransUnion and XXXX, but what they are reporting is all negative. I have filed a direct dispute with XXXX XXXX XXXX due to these reporting issues that are severely damaging my credit report. No validation has been provided to me that the account even belongs to me, as XXXX shows me as being also known as someone else.