davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
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. (NV)

I have opt- out all promotional offers and stop doing inquiries as loans credit cards and all offers as I se on my credit report. I have not requested or ask for Pay Day loans or any credit offers as I se on my credit files. I also want all offers and Inquiries removed as i see on my credit report
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC. (MD)

I am XXXX years old and a co-signor on a student loan administered by Navient. The loan dates back 11 years or more during which time payments were made timely. Recently, I received word from XXXX  that a negative credit report had been made against me by Navient because of a late payment on the account. Apparently, the primary borrower failed to make a payment. This was the first notice of any kind that I received to the effect that the account was in default. I immediately brought the account current. As it turns out, Navient did not notify me of the delinquency because it did not have accurate contact information for me. This is hard to understand because it had been receiving payments from me for years. In short, Navient completely failed to notify me, the co-signor, of the account delinquency before filing a negative report about me with the credit reporting agencies. The negative effect of Navients report on my credit score has been significant. My credit history is otherwise exemplary. Ive asked Navient to retract its report and it has refused.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

For more than six months, I have unsuccessfully tried to have Equifax put a credit freeze on my account. I tried online, over-the-phone, by U.S. mail ( following Equifax 's instructions, including a copy of driver 's license ). When I received a letter from Equifax that it couldn't place a freeze, I wrote to CEO XXXX XXXX on XX/XX/XXXX, demanding the freeze. I never heard from the company and wrote a second letter. After my second letter, employee XXXX XXXX emailed me in XX/XX/XXXX. As he requested, I gave him my phone number, but he never call me. I called him three times --XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX --  before he returned my call. Bottom line : Equifax hasn't placed a freeze on my account. I have successfully placed freezes with XXXX, XXXX, XXXX and XXXX. The motivation for is my personal information was stolen in Equifax 's data breach. I am concerned about my identify theft and want this resolved asap.
Consumer complaint received 2020-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America offered a promotion in Summer XX/XX/XXXX for a 0 % interest credit card until XX/XX/XXXX. 

I needed to buy an appliance that was on sale ( {$3500.00} ) and wanted to buy it with the 0 % interest card. I applied for the card in XX/XX/XXXX and was approved. But the card never came. Three weeks passed and still no card. Finally by XX/XX/XXXX, I was forced to buy the appliance on a different ( non-0 %  interest ) credit card because the sale was ending. When I called Bank of America they told me they would have to mail me another card. At this point though the card was useless because the whole point of getting the card was the 0 % interest promotion. I told the customer service rep to just cancel the whole thing and forget that a card had ever been issued. The customer service rep told me that instead I could transfer the {$3500.00} charge and Bank of America would waive the balance transfer fee. ( Effectively giving me a 0 % interest purchase. ) I agreed. 

Imagine my surprised when the month end statement comes and I see that I was charged a {$150.00} balance transfer fee! 

I immediately called Bank of America and told them of the mistake. It took me two calls to resolve the issue and finally two months later on XX/XX/XXXX, I saw the {$150.00} balance transfer fee returned. 

Everything went fine for a couple months. I made payments on time and had no more issues. But this would not be my last run in with Bank of America customer service. 

In XX/XX/XXXX, I went on a trip out of the country. I paid my credit card bill but because of the time difference I messed up when the last payment period was and missed the payment. Payment window closed on XX/XX/XXXX. I immediately made a payment on XX/XX/XXXX and asked if the late fee ( {$39.00} ) could be reversed. 

The customer service rep told me it could not. 

I called two more times ( XX/XX/XXXX ; XX/XX/XXXX ). Finally, I was told that the reason I could not be refunded the {$39.00} was because I had already been refunded {$150.00} from the balance transfer incident. I explained that the balance transfer payment was made in reliance on a claim by Bank of America 's customer service rep and that I was paying for a mistake that Bank of America made! I asked to be redirected to customer retention and to compliance. Neither of those departments made any effort to examine my situation. They only told me that the {$150.00} fee that I was already " credited '' was blocking any " award '' they could give me. I told them this was completely ludicrous since the {$150.00} was charged based on Bank of America 's own mistake! 

I want my {$39.00} back. I wish I had never opened a card with this terrible bank.
Consumer complaint received 2020-02-01
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/2019 Started application for HELOC for my primary resident with Bank of America representative XXXX XXXX. Submitted usual documents to XXXX XXXX XXXX my liason with Merrill Lynch, who also added Bank of America representative XXXX XXXX XXXX to the beginning of the process for loan application.- Pay, W2, Tax info, Already had an established HELOC with XXXX & XXXX . Purpose of application was to move all accounts to Bank of America for convenience. Acknowledged by email that documents were received, in order and I also had my credit reports with XXXX, XXXX and XXXX unlocked for their process. 
Received email notification from My Home Owner Insurance XXXX XXXXthat they had been asked by Bank of America to remove XXXX XXXX XXXX as the mortgagee ( currently holding my existing HELOC ) to make the mortgagee to Bank of America. I immediately emailed XXXX XXXX what was going on and his reply was they were being " proactive '' while they were still reviewing my application. I told him that was not legal, called my insurance company to change it back to XXXX XXXX XXXX with instructions that all future changes must be reviewed by me. No response to my protest via email and no action to reverse this by Bank of America. I had to take the initiative to change it back. Also notified XXXX XXXX XXXX what was happening and they agreed it was improper. I have PDF copies of what Bank of America did, copies of emails to show this action and time line. 
I sent email back to XXXX XXXX, copying all parties that I was officially withdrawing my application. That this was shady practice and per banking and mortgage and insurance laws, what they did was illegal.
Consumer complaint received 2020-01-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

XXXX  is reporting that my XXXX XXXX payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and XXXX submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

XXXX  fixed the problem but XXXX  refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if Experian is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix XXXX  to report it correctly. 

I currently only have my statement from XXXX showing XXXX being paid on time. XXXX has not issued my statement showing XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you
Consumer complaint received 2020-01-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX  is reporting that my harley davidsion payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and transunion submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

Transunion fixed the problem but XXXX  refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if XXXX  is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix eqifax to report it correctly. 

I currently only have my statement from XXXX showing XXXX being paid on time. XXXX has not issued my statement showing XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you
Consumer complaint received 2020-01-31
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. (NV)

Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX  XXXX- {$280.00} )
Consumer complaint received 2020-01-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Received check for {$17000.00} from our homeowner 's insurance company for roof replacement because of damage to roof. As instructed, sent to mortgage company 's loan servicer ( XXXX  is the mortgage company, Loancare LLC is the servicer ) for their signature on the check so that the roofer can be paid. Before sending, I called Loancare LLC for the correct address to send to because I was sending via XXXX. Their customer service representative gave me the address and someone at their office signed for it on XX/XX/2020. I included in the XXXX  package a return envelope to me charging it to my personal XXXX  account to expedite the return. I called several times this week to check on its progress, and each time I was told that can't find and that they will not try to look for it. In fact, the third time I spoke with them, the customer service representative told me that she doesn't have the phone number for the office where it was sent - even though it is the same company! They have refused to look for this check, and in the meantime, my roof is in poor condition which can cause damage to the interior of my home. Every moment that they refuse to cooperate puts my home at risk. Even if I ask the insurance company to put a stop-payment on it and reissue, I would have to go through the same procedure with no assurance that they would not lose it again. No one there seems to care about this at all, and no one is willing to help. 
Yesterday, I faxed a plea to their customer service department hoping that someone would respond to it but they have ignored that also. Unfortunately, their office is almost 1,000 miles away from where I live so I can not just walk into the office. I need help urgently because of the condition of my roof - and my roofer will not work until payment is guaranteed.
Consumer complaint received 2020-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (PA)

I called Wells Fargo in XX/XX/2019 and asked about my options during my anticipated XXXX  leave ( XXXX  due date was XX/XX/2019 ). They stated that I should call in XX/XX/2019 and my account could be placed on temporary forbearance for three months ( as I would not have any income ). My XXXX  XXXX  a month early in XX/XX/2019 and I called Wells Fargo. At that time they stated that I could only put my account on forbearance for two months ( XXXX - XX/XX/2019 ). I did not argue with them, even though they originally told me three months. They also stated that during these two months I could not release my co-signers, which I stated would not be an issue. I asked if this was possible upon starting my payments again ( which I did in XXXX ) and they said yes. I called in XXXX after my payment was made and they told me that I was unable to go co-signer release because of my forbearance. This is NOT the information they originally told me and I took it up with their executive office. Wells Fargo stated that they would call me within 10 business days to discuss this matter. I have paid my loans, on time, for 2.5 years and now I am being discriminated against for being XXXX/XXXX XXXX XXXX and not having income? This is absurd and they are not willing to work with me. I also contacted the state, who gave me your information. Please help, as I would like to release my co-signers. I asked about refinancing as well, but my payment would go UP which I can not afford. Again, this is discrimination AND false information. I am not pleased.
Consumer complaint received 2020-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I initiated 2 bill payments to the following companies from my Wells Fargo account : XXXX XXXX in the amount of XXXX and XXXX XXXX for XXXX. Despite having more than enough money to cover these, I was informed by the companies that the payments were not honored. 

In checking my account on XX/XX/XXXX I became aware of a Wire Transfer Withdraw in the amount of XXXX to an unknown account at XXXX XXXX XXXX XXXX, reference number XXXX, which was initiated and cleared on the XXXX. I do not have nor do I know anybody with an account at XXXX XXXX XXXX XXXX. 

Coupled with fact that I had been locked out of my account previously and was not able to initiate any transactions, along with the payments I had scheduled on the XXXX not being honored ... .how can a wire transfer be initiated and paid from my account???
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I paid XXXX to Excelious legal group to assist us in getting another modification loan for XXXX XXXX the company took our money and strung us along for a year and a half then told us they could not help us and never returned either all or part of our money, they just told us to go chapter XXXX if we wanted to save our home. 

As of today XXXX no longer owns the home I bought the home from her and allowed her to live there since I reside there also this never should have happened if there was help from this company
Consumer complaint received 2020-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

Original creditor : XXXX  XXXX XXXX  and Company account was sold to LVNV Funding LLC is in Violation of Federal law. ( Please see attachment for further details ) After challenging LVNV Funding LLC to accurately validate Account of which they have purchased from XXXX XXXX XXXX  account # XXXX. This account is currently being reported illegally. And must be deleted from my consumer reports immediately. 

Please note : the original creditor claims that they received last payment on this account in XX/XX/XXXX. But never closed the account. Account was not closed and I was not notified that account has been closed. 

As stated in writing the company claims that last payment was made in XXXX of XXXX but was not closed or charged-off until 233 days later in my of XXXX this is illegal. And be proven in court! 

Since account was not closed the account occurred interest and fees that was then added to the balance, of which can not be accurately verified. 

In addition I've made multiple attempts to have LVNV Funding LLC and the credit bureaus validate this account of which they have not done.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2020, I tried to make a minimum payment on the Apple Master Card. Since it was my first payment to this new card and the Apple Card website is not well designed, I made a huge payment of {$930.00} which was not my intent. I wanted to pay the minimum this month as I have to take my wife to her doctor and pay cash. The following morning I called the Golden Sachs Apple Card customer service center only to hear from a Supervisor that it was too bad that I made the mistake of paying too much and they refused to put a stop on the payment like other Card banks have done as a courtesy.
Consumer complaint received 2019-08-20
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

My credit report is showing default payments from XX/XX/2017 of XXXX this perticular account I disputed with XXXX XXXX  for many months prior as they were never actually able to provide me with any kind of service whatsoever for broadband which ultimately forced me to find another supplier who could provide the service but they sent me a bill anyway for XXXX after lengthy discussions they said they had provided a service and i must pay I supplied all the emails I sent asking for the problems to be fixed otherwise I would have to find and alternative supplier. They then started threatening court action which I actually encouraged becouse I knew it would finally be sorted out. They then decided just to mark XXXX which includes late payment charges as default payments on my credit report which I have been trying to get removed ever since and no body seems interested in correcting. I'm absolutely appalled that a company can just ruin your credit report on a whim without any kind of evidence or legal right to do so. Its discracfull we are allowing this to happen i had a ccj applied to my account from a water company who apparently took me to court but never informed me the first I heard about it is when I see it appear in my credit file these kind of things have to change if it was anywhere else they would be being sued for deformation of charicter. After trying to correct these multiple times with XXXX and eqifax I have got no where the best I have got is some links to the ongoing dispute which doesn't actually work I have been trying to get thus resolved since 2017 and causing serious problems for me and I just want someone to step in and get this resolved now. 

If you require the emails and responses sent to XXXX XXXX please ask and I will forward them to you. 

Many thanks XXXX