davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Beginning in XXXX, I tried to get a loan modification from Wells Fargo and they wouldn't respond to my request. I ended up having to sell my home for less than I paid for it. In addition, Wells Fargo cashed a post-dated check that spiraled my checking account into a deepening negative balance, when they could see my balance wouldn't cover the post-dated check on the day it was incorrectly presented by a plumbing company who had agreed to wait to submit it on the day the funds would be deposited. Following is an XX/XX/XXXX email I sent to a state representative trying to get help : Dear XXXX XXXX, I'm trying to get help- I've been unemployed for over XXXX year and I'm not behind with my mortgage but I will be soon. My loan 's origination date was in XXXX XXXX, past the XXXX XXXX, XXXX deadline the foreclosure prevention help programs all seem to have. 

Wells Fargo will not help me, I've spent the last month sending and resending the same financial information to them. I have equity in my house which I'm sure appeals to their bottom line, but I will have to sell well below what I paid for it ( if it sells ), according to my realtor who just sold her house in a short sale. My roof also has a leak so my house is not in top condition for sale. 

Will there be any flexibility in the new Oregon Homeowner help programs in regards to that XX/XX/XXXX deadline? I've been trying to maintain my credit rating and not go into default but the bank options- waiting periods, 3-month forbearance with balance due at the end of three months in a lump sum - all lead to damaged credit and possible foreclosure in the end. 

Wells Fargo did not help me and I ended up selling my home for less than I paid for it.
Consumer complaint received 2022-08-06
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: ALLY FINANCIAL INC. (NC)

I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act Ally Financial has violated my rights Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C. 1681cXXXX : A Block and remove in XXXX days
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account number 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 2024-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NE)

I currently have multiple issues with Mohela : 1. I need to pay them by mail ( like I have, on-time, for XXXX ), but they don't like receiving payments by mail. I have requested multiple times for a monthly paper statement to be mailed and no statement ever arrives. I have the {$600.00} waiting for them but they are SO XXXX  they can not even bill me properly. I know they want to bill me electronically, but they are not competent or trustworthy enough to be linked to any of my accounts. 
2. Under-Staffed ( always ). Staff is XXXX  ( they don't even know who they work for ... Mohela, what is Mohela? Answer : Mohela is who you work for, they service student loans for the federal government! Really!?!? Yes, that is what you do! Each phone call this year ( XXXX ) has taken 4-9 hours of waiting and the person answering is useless. 
3. Unwilling/Unable to provide account history : my current history shows Initial account startup in XXXX of XXXX and individual monthly payments for XXXX of XXXX ... ... .What about the other 228 payments and 4-5 principal payments between XXXX of XXXX and XXXX of XXXX???? Oh, those are on our " old system ''. Why does your " new system '' then show the first payment made in XXXX? A : I don't know, that information isn't available. 
4. Any loan service who can not bill a borrower obviously should not be in business, especially if the borrower is begging them to send them payment! If a servicer can not keep accurate records, how does a borrower confirm that payments have been applied correctly and that the servicer is accurate or if a service is actually due payment? Mohela needs to be shutdown and loans without full/complete payment history forgiven due to failure of both Mohela and Dept. of Ed allowing Mohela to operate for decades like this.
Consumer complaint received 2022-08-06
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

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

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit pan as late for any purpose.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance to the Fair Credit Act my rights have been violated please resolve this many times They are violating my rights!!

15.U.S.C 1681s-2 ( A ) a person shall not funish any information relating to a consumer to any consumer reporting agency if a person knows or reasonable cause to believe information is inaccurate 15.U.S.C 1681 section602a=right to privacy 15.U.S.C 1681 section604a section2= can not funish my account without my written permission 15.U.S.C 1681c ( a ) ( 5 ) LIST OF HARD INQUIRIES AND ACCOUNTS : 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 2021-11-27
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: EQUIFAX, INC. (MN)

I am having a problem getting my free annual credit report from XXXX XXXX, Equifax and XXXX. Under the Fair Credit Reporting Act ( FCRA ) I am entitled to XXXX free credit report annually. Furthermore, I want XXXX XXXX, Equifax and XXXX to release my credit report to all lenders, creditors, banks and credit unions.
Consumer complaint received 2021-11-27
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. (CA)

Along with a copy of the Identity Theft Report, I have also enclosed copies of my Drivers License, Social Security Card, and Utility Bill for your reference. 
The law clearly states your Civil Liability under FCRA Section 616 & Section 617 in case you fail to comply with the Federal Law. Moreover, I intend to enforce my rights under the FCRA and to pursue rightful litigation in this matter should you fail to comply.
Consumer complaint received 2021-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Hello, Its been 6months to a year and I have not got an response from the creditor for the fraudulent debt. The company said it was verified but I would like to know who verified it. By 30 days with no response this account is suppose to be removed from my credit report.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (TN)

I disputed an illegal international charge with Chase Credit Card. Next thing I know they closed both of my Chase Cards and sent a letter advising me as to why. Inappropriate behavior by chase bank with no notification, no legitimate explanation and no credit card available for my use while traveling
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

MOHELA placed an administrative forbearance on my account that I did not request from XX/XX/year> to XX/XX/year>. I originally had a payment scheduled at the end of XX/XX/year> but could not complete it because they were transitioning online website platforms and adjusted my new payment due to XX/XX/year>. MOHELA assured me that since this was an administrative forbearance that I did not personally request and because I could not physically make a payment that XXXX and XX/XX/year> payments would count towards XXXX. XXXX and XXXX were my last XXXX payments to get to XXXX for loan discharge. Student Aid incorrectly classified the time spent in this unrequested forbearance for the XXXX and XX/XX/year> payments as ineligible on XX/XX/year>. I have tried numerous times to contact MOHELA about this issue to no avail. I have even filed a complaint with Better Business Bureau. I need help me with this issue. It is unnecessarily delaying the initiation of my loan discharge. This issue is not just affecting me but many others who MOHELA placed in an administrative forbearance for XXXX and XX/XX/year>. This issue needs escalation on behalf of the many borrowers who are negatively impacted by this error.
Consumer complaint received 2022-09-08
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: Credit Karma (GA)

Credit karma. I have constantly been told that i have high approval odds and apply get denied and now have inquires. XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-08-06
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. (NJ)

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX  and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

Do not recognize these Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2021-11-29
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XXXX 2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$21000.00}
Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Universal Account Servicing, LLC (FL)

On XX/XX/year> i made a purchase through hotel collection for some reed diffusers. Later that day I received a call from their marketing team to enter into some kind of program. Once i found out it was a XXXX month commitment, i told them to stop and that i was not interested at all. Then on XX/XX/year> i received an email saying that my application for a loan was approved. To be clear, i informed the company i did not want to proceed with this XXXX weeks ago. I believe they fraudulently signed me up for this program despite rejecting their offer.
Consumer complaint received 2023-03-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (GA)

This company 's offer was not clear. 

This account was opened in XX/XX/XXXX through a tire purchasing service. There was an offer to help build credit and finance for a tire purchase. The tire purchase totalled {$1000.00} with an early payoff period of 100 days. I was granted a standard credit limit of {$2000.00}. What they did not relay was they would charge a 200 % " leasing fee '' at the time of the purchase. It was relayed that it would be standard percentage finance fees up to 34 %. 

On XX/XX/XXXX I contacted to inquire why the balance was so high with such a significant amount being paid off. The total amount paid on the account as of XX/XX/XXXX is {$1400.00}. That's {$420.00} over the amount originally financed. 

The representative claimed that there was a " leasing fee '' of {$1900.00} on the account. They claim after the 100 day period they would discount the leasing fee by 55 % but capped my account discount at {$560.00} which is less than the 55 %. Then charged an additional sales tax of 6 % on top of the tires that was already charges sales tax for the total amount and the " leasing fee. '' The account has had a total amount paid {$1400.00}. When I called to figure out why the account has a balance of {$1100.00} when the total amount paid is far exceeding the total amount financed, it's this now called " leasing fee. '' When I said this was not explained that the rate at which we took for the purchase was a percentage like a standard loan was converted to a 200 % leasing fee. 

I did my research and I went ahead and took a look at the process with another individual and the business does not describe there is a 200 % lease fee, it shows as a standard purchasing loan process with a percentage of up to 34 % not 200 %. No one in their right mind would agree to a 200 % fee of what they were purchasing especially in an economy like we have. 

This is unethical practices in every capacity. It is misleading. I would not do business with this company again nor recommend anyone else do business with them. It is a requirement to fully disclose all fees, expenses associated with a loan of any kind. They are basically a loan shark.
Consumer complaint received 2021-08-25
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. (NJ)

NOTICE!!! As a federally Protected consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit file, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private consumer/natural person file to other unknown entities without my consent. If this is not resolved Within 30days of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages. THE XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$580.00}, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (WA)

I had a XXXX XXXX card issued by US Bank to specifically use for XXXX transactions. I had $ XXXX XXXX  dollars ( which is equivalent of $ XXXX ) in my account. The company taking advantage of the XXXX situation closed my account aggressively without my permission. It hasn't also paid my XXXX dollars or its equivalent money in US dollars. When I was trying to use it today, I called the bank and I was told my account has been closed and I have lost my balance XXXX dollars and it can't be reinstated.
Consumer complaint received 2023-03-22
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. (FL)

It was revealed in my credit report that a collection account is fraudulent that I did not authorize. I would like this accounts immediately remove from my Equifax, XXXX, and XXXX credit report : Account name : XXXX XXXX XXXX  Acct number : XXXX Date open : XX/XX/. THE ACCOUNT IS STATED OPEN BUT IS IN COLLECTIONS. I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX XXXX  my debit cards were stolen and used to withdraw {$1000.00} and {$700.00}, totaling {$1700.00} from 2 different Wells Fargo accounts. I don't know who this person was or how they were able to withdraw money from an ATM. I immediately reported fraud to Wells Fargo within a few hours of noticing the withdrawal. 

Wells Fargo denied my fraud claim. I escalated the claim and it was denied again. Wells Fargo is not honoring their anti-fraud statement that says we are not liable for purchases made without our consent or authority. 

I filed a police report. Why would I file a police report if this was an authorized withdrawal?
Consumer complaint received 2024-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APEX Asset Management, LLC (DE)

Hello, I am having major issues with my medical insurance company XXXX. I always have to call them to correct my claims and they keep saying they are working on it when they do fix it it is always incorrect and now they showed i overpaid in some of them which is not correct it should show my payments i made-I always paid my co-payments etc.. and now i have been sent to collections. This is the worst insurance i have had. If you could please help me with this. 
Thank you.
Consumer complaint received 2023-03-22
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

My Experian credit score had fluctuated + / - XXXX points every 2 - 4 weeks since XX/XX/2022 in spite of having no negative score factors being reported, the Experian website showing all positive key factors ( exceptional or very good ), and all positive score indicators. 

IE : Credit utilization 0 %, no late or missed payments, one auto loan with no late or missed payments, not seeking new credit, long credit history, long revolving credit history, no public records, no new inquiries. 

I have called Experian several times due to the fact that nothing has changed on my report, no negative information, and the fact that they are reporting all positive factors -- and my score is still fluctuating every 2 weeks the exact same amount of points ( XXXX  points up and XXXX  points down ). They offer no explanation other than 'the information is coming from FICO '. 

I am concerned that they are either combining my report with a different person 's or trying to get me to sign up for their credit boost program.