davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-18
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. (CA)

There are 4 accounts on my credit report that do not belong to me I have sent out multiple letters to the bureaus as well as the furnishers on these accounts and they are not willing to help me or to open an investigation These accounts were never authorized or used by me I have no such cards in my posession and I dont know what these accounts are for or how they ended up in my credit report. 

XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$5200.00} XXXX CARD - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$7300.00}
Consumer complaint received 2016-10-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FC HoldCo LLC (CA)

Applied for a vehicle loan online with no credit back in XXXX. I was approved for a XXXX XXXX XXXX for XXXX. Ive always had problems with this company. For the first three months I had an allotment set up with them and they claimed that they did not receive my allotted payments because they did not have the right allotment number after I sent them the allotment multiple times. In XXXX XXXX, I deployed and set up an auto payment where monthly payments would be made every months. On XXXX/XXXX/XXXX my car was repossessed for missing 3 monthly payments. I called and tried to receive information on my auto payment plan but the representative told me she could only tell me how much I needed to pay to get my car back.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2016-05-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I would like to exercise my rights through Dodd Frank and UDAAP " Unfair, Deceptive Acts, Abusive Acts and Practices. The practice caused injury to my financial future and health. The practice was deceptive it was misleading. It was abusive material interferes with the ability to understand a term or condition of a consumer financial product or service. Offered me a XXXX XXXX degree without XXXX classes, which caused additional high pricing without my XXXX degree. All other colleges offer XXXX classes with their XXXX degree 's. This is predatory lending.
Consumer complaint received 2016-11-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I tried getting a personal loan with my credit union. When they pulled my credit report it showed that my home is XXXX foreclosure through Bank of America. It is not, all my payments are current. I called Bank of America the representative told me it was a mistake on their part and they would send notice to the credit bureaus. A few days later I received a notice from Bank of America saying their information was accurate. Again it is not. My payments are current. IF you could assist it would be greatly appreciated.
Consumer complaint received 2020-04-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I went to XXXX XXXX XX/XX/XXXX-XX/XX/2016 stayed at XXXX. Made a complaint, I used my Southwest Chase Credt Card, the room was nasty I took pictures of hole in ceiling, dirty carpeting, and ottoman with XXXX stains on it. They moved me to another room and told me by email the charges was going to be comped off. I got my bill which was disputed by Chase and was told the charges was remain, I have email from XXXX stating they comped off the charges which was not. Was told to send email to XXXXXXXXXXXX, then told to send to XXXXXXXXXXXX. well no one has responding and I have a charge on my card for {$160.00} which I was told in email they would comp off.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$0.00}
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AL)

Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Experian,  XXXX  and  XXXX  that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     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     XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

Once my forbearance ended, I applied for another one. Navient denied my forbearance request. I spoke with Navient on the phone and was told my payment would be around {$120.00} per month. I explained I could not pay that and I was told that was as low as they could get it due to my income. I explained that although my income is fine, I have other bills and there simply is n't {$120.00} left over to pay this. They refused to work with me so I told them I would pay them what I can each month. For several months, I paid {$50.00} as that was all I could afford. Once my husband received a raise and I also received a raise, I began paying {$150.00} a month, the {$120.00} plus a little extra to help make up for the other months I paid {$50.00}. Navient is still calling me daily, emailing me with forbearance forms to fill out even though they have repeatedly denied them and sending me delinquency notices. To make matters worse, they are reporting me every month to the credit bureaus as being XXXX days late. Navient last reported me XX/XX/2016, since XX/XX/2016 my credit score has dropped XXXX points and the only negative I have on my credit report is Navient. My husband and I work very hard, we pay bills and buy groceries and thats it, yet we still live paycheck to paycheck and now I have a dwindling credit score to add to it. At this rate, I will have no credit score by the time Navient is done. This is absolutely ridiculous. I have tried to get Navient to work with me but they simply do not care. I 'm going to have to call them AGAIN just to be told by some rude customer service rep that there is nothing they can do. I understand I owe them over {$700.00} from the months I only paid them {$50.00}, but I am paying more than my given payment amount in order to pay that down and I do not feel that my credit score should suffer every month just because of this. Navient does not care about anything but getting their money. I am doing the best I can.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Early Warning Services, LLC (FL)

A XXXX XXXX XXXX account was opened in my name on XX/XX/2016 account number XXXX routing number XXXX. I didn't approve or authorize the opening of this account and it was left with no negative balance. This account is also reporting with a phone number XXXX that does not belong to me and an address that is not mine.
Consumer complaint received 2015-07-06
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (NM)

My mom 's dog got sick she needed an emergency office visit but did n't have money so I go the XXXX XXXX hospital and apply for a Wells Fargo care credit card. My mom and I agreed that I 'd pay for the initial visit. However I never told the office that was the agreement. They never confirmed or stated that I would be the one paying. So I leave, my mom takes the dog in later. Picks him up the next day. I get this XXXX $ charge to my account so I ask her she 's like I signed an invoice for me not you they got the payment mixed up so I dispute it with Wells Fargo but they said no its acceptable because I signed up for the card the same day even though my name is n't on the invoice and the signature does n't match mine.
Consumer complaint received 2016-02-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (VA)

I took XXXX XXXX retail loan which is with WellsFargo bank now, because it offered 0 % interest for 12months.. I was paying more than minimum amount every month without missing. End of 12th month which was 'XX/XX/2016 they charged me {$1500.00} as interest for the unpaid remaining amount is {$3000.00}. I asked them to remove the interest amount so that I can pay {$3000.00} and close the account. They refused.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (WY)

I hace contacted Synchrony, who manages the Amazon Store Card, 3 times to address the miss-allocation of payments to deferred interest charges BEFORE the regular balance that is being charged interest. The first two times, they admitted the error, re-allocated the payments, and refunded the interest. The last time, which was on XX/XX/XXXX, the customer service agent acknowledge no wrong-doing and that they could not refund the interest that was charged due to allocating my payment to charges with deferred interest instead of the regular balance. This has gone on for months now. Synchrony refused to address the issue, which as I understand it, violates the Credit CARD Act of XXXX.
Consumer complaint received 2022-01-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2016 a Bank of America account was opened without my consent. This account is currently reporting on a consumer report with no outstanding balance. This account also has a phone number and address I am not associated to. The account number is XXXX.
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans DPT EDXXXX XXXX US DEPT ED? ??? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Letters were sent on XXXX/XXXX/2021, XXXX/XXXX/2021, XXXX/XXXX/2021
Consumer complaint received 2016-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NV)

Reporting missed payments on my credit report when I was in deferment. Their website has no options for me to resolve this issue with them since my loans are now paid in full. Also, I was charged late fees and interest on the late fees when I do n't believe I should have been.
Consumer complaint received 2016-05-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CT)

Navient provided XXXX different IBR/IDR re-certification application dates. One is on the Navient website and the other is via email. This can cause default, in which both the government and lender profits. The dates are a month apart. That is wrong and deceiving. I 'm already in the Defense to Repayment forbearance because I can not provide for my family and the student loan payments at the same time. Check all my expenses and you 'll see I 'm not living lavishly. I can barely afford groceries. I ca n't afford to get my wife who has XXXX 's good treatment. XXXX covers so little. I 'm scared.
Consumer complaint received 2021-10-31
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I, ve been attempting to dispute a couple of accounts on my credit reports from years ago. Investigation took more then 30 days. Still yet have to get a response from some of the 3 creditagencies on the result of the invention. During the covid-19 pandemic Ive been forced to move out of my home, repositioned to unemployment causing me to be backed up on bills. Making it more difficult for me to find a good job and a place to actually live .During the period these accounts was established I was very happy with the services. I was however not the ideal customer and made mistakes with the handling of my account. I should have kept better records regarding my accounts and I take full responsibility. I know that payment was my responsibility and I am not attempting to justify the breech of the agreement with you. However, I was hoping you can reconsider these old negation emails standing tradlines associated with this account.
Consumer complaint received 2020-06-22
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (FL)

On XX/XX/2020, a written request was faxed to Reverse Mortgage Solutions for them to send my insurance payment premium of {$970.00} to the insurance company. The funds were to be withdrawn from my XXXX XXXX XXXX, which currently has over {$1000.00} - more than enough to cover the premium. 

On XX/XX/XXXX, I received an email from a representative who was responsible for processing insurance request and it stated that she had been laid off the day before and suggested that I resend the fax, as no one might not have seen the initial fax due to her termination. 

On XX/XX/XXXX, instead of faxing the 2nd request, I emailed to XXXX. 

As of today XX/XX/XXXX, the insurance company has NOT received my payment and my grace period has expired along with the insurance policy. 

The request I sent in XXXX was processed but the request sent in XXXX was not.
Consumer complaint received 2017-01-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Due to the intentional withholding and misrepresentation of material information and status related to a Deed of Trust, mortgage, or real property Dual Tracking has occurred causing the unlawful recording of a Notice of Default ( NOD ) resulting in the unlawful sale of any debt that may be associated with the 2007 Deed of Trust causing a Trustee 's Deed to be recorded. 

The purchasers of the debt are now claiming ownership of my property and are threatening to bring legal action in California Superior Court to have me evicted from my home. But for the unlawful actions taken by Bank of America and their Trustee, XXXX XXXX XXXX XXXX ( XXXX ), I would not currently be facing life on the streets and worse as a XXXX homeless person. And all because Bank of Ametica simply did not follow the rules. 

I did not default on Bank of America ; Bank of America detailed on me. Furthermore, Bank of America has sold my home right out from under me thereby defrauding me of my real property. No matter how Bank of America tries to spin this, I did not defraud Bank of America. 

Smart phones got apps. Consumers got Acts to protect them from companies that refuse to do the right thing or act within the limits of the law. 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2020-10-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (VA)

I paid my full balance to XXXX XXXX XXXX XXXX XX/XX/2020. In XXXX 2020 I have been getting calls from a 'debt collector ' William and Fudge saying I owe {$340.00}. XX/XX/2020 XXXX XXXX informed me I owed {$1000.00}, I wrote a check for the total, exactly what XXXX XXXX informed me. There were no warnings from the school before or after that they would send anything to collections. Seems like a scam.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

A settlement agreement was reached by telephone and direct payments to total {$3600.00}. 
I have made and the bank has processed XXXX of these XXXX payments already. Agreement reference number is XXXX. Bank of America did not apply the money as a pay off but as a regular payment with {$54.00} interest. They have creavtively, left me a XXXX balance. I have confirmation of this arrangement and their statement, attached
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: Millco Management (NC)

Ive disputed this issue with XXXX on numerous occasions. These collections do not belong to me. Ive never signed any agreement or done any business with this company. The following dates are 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-22
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: CITIZENS FINANCIAL GROUP, INC. (TX)

On XX/XX/2020 complaint XXXX was submitted through CFPB for 1 unauthorized inquiry from Citizens Bank, with XXXX. Citizens kindly answered that was going to it off, on the answer to CFPB. The Credit Agency neglect to take the inquiry off, even showing the answer from the Bank, and answer me that the Bank needs to take them off. Please act according to the answer submitted to CFPB, on your previous answer
Consumer complaint received 2017-01-23
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (TX)

I 've tried contacting the lender to resolve the issue with no luck. I sent them a certified letter to dispute. They are not willing to work with me and sent me to collections. The balance is incorrect and payments incorrect. I would like this removed from my credit report. They are very hostile and I ca n't speak to people that treat me that way.