davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On XX/XX/2022 I sent a letter to the credit bureaus using the CFPB Dispute Template to investigate inaccurate and unknown items on my consumer credit report. I was initially supposed to receive a timely respond within 30 days which would have been XX/XX/2022. Unfortunately, XXXX was the only timely response I received with full documentation of my consumer credit report. I felt like I was being taken advantage of and have been ignored by these trustee of my needs as a consumer. This is a violation of 15 U.S.C 1681 Section 611 ( a ) ( 1 ) and 623 ( 9 ) ( b ) ( 2 ), which states that failure to investigate these items within the 30 day timeframe prompts immediate removal of these items from my consumer report. I demand these accounts be deleted or I will file arbitration/litigation due to duress and stress impose upon me. I have served the bureaus yet again, which I shouldn't have to do so in order to further my concerns and seek remedy for these inconveniences. I will leave the Certified Mailing Tracking for the SECONDARY notices sent out, due to failure of this fiduciary obligation by these entities. 
XXXX : XXXX Equifax : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc. (AZ)

I called in on  XXXX   XXXX   2017 spoke w ith rep and was offered a ext rep adv to pay  XXXX  which she setup the payment for  XXXX   XXXX  I started getting emails that my account was past due I called in on  XXXX   XXXX  and explained I had a extension set up the rep advised me he see the agreement and to allow a couple of days and account will be updated well that did n't happen I kept getting email I called back in to be told the ext was no longer avail because rep set it up wrong and was demanded to pay  XXXX  dollars I advised no I wont pay another dime until my next payment is due and requested my account be fixed I spoke with a sup who advised it will get corrected well again that did n't happen now I am being requested to pay  XXXX  and they will defer two payments to end of loan so they want me to pay  XXXX  plus the  XXXX  and none of these funds will be applied towards payments this is their fee.
Consumer complaint received 2024-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

The company is Wells Fargo. The amount is {$6300.00} from a credit card that I submitted for fraud. I was working with an internal security rep named XXXX XXXX. The account was closed, but the amount is still present negatively affecting my credit score.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Ref  : Complaint Number   XXXX   Wells Fargo Home Mort gage provided an answer to above captioned complaint, but did not address the complaint.     My complaint invo lved Wells Fargo 's alleged fr aud in forcing me under threat of foreclosure to take an ARM with sharply increasing interest rates to replace a  XXXX   XXXX   XXXX   while a federal law suit addressing  XXXX  was in the process of being settled. The settlement terms were announced shortly after I was pressured into signing the agreement to t ake the ARM. One of the settlement terms was the exclusion of borrowers who received a subsequent mortgage. I allege that this was a deliberate act to exclude certain borrowers from the benefits of the settlement. Subsequently I received notice from the settlement administrators that I was eligible for a mortgage modification ( MAP2R ) which eliminated accrued interest and reduced the principal. I was told by the bank that I was not eligible. My home has been foreclosed and a sheriff 's sa le is imminent. The bank refused to discuss a modification of any sort except a HAMP modification for which I am ineligible.     I believe fraud is a criminal act and should involve a criminal investigation.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NJ)

Attn : Mortgage Loan # ... XXXX ( Guaranteed rate ) Transferred to # ... XXXX ( Chase ) Company : Guaranteed Rate/Chase I have the above-mentioned mortgage with Guaranteed rate XXXX  that was transferred over to Chase. There is an outstanding escrow payment that they are asking me to pay. 

I had purchased a house in XX/XX/XXXX  and got an Insurance from XXXX and paid the entire year amount due in escrow to Guaranteed Rate When the Payment was due and XXXX asked their escrow department, Guaranteed rate had missed sending the amount despite multiple warnings from me and the Insurance. They had mentioned that they have sent the insurance payment and I don't have to worry about it. 

Payment was sent late and the Insurance company cancelled my policy retrospectively and sent me the payment.

Guaranteed rate had then placed a Lender placed insurance at an high price on my behalf and sent me the bill. I had refuted this and they said they will review it and fix it. 

In the mean time they had transferred my loan to Chase and Chase asked me for the amount for the Lender Placed Insurance ( LPI ) When I conferenced with them with Chase they had mentioned they will cover it ( See secure message from chase as a result of the conference attached ). 

Guaranteed rate said that it was paid for by Guaranteed rate but Chase has to straighten its record. 

Chase dispute resolution had reached out to them and are notifying me that I owe the amount as they are unable to resolve this with Guaranteed rate. 

I have provided all evidence both to Guaranteed rate and Chase for the same. 

It is unfair to have me pay for a lapse that was caused by Lender despite me having paid the amount for a full year. Putting consumers like me who pay the dues on time despite the pandemic and Penalizing us for a mistake they had performed is unacceptable and the Mortgage companies should be made to take accountability. 

Please call me at XXXX XXXX XXXX should you need more information. I can provide all information and evidence for the above. 

Thanks XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to formally lodge a complaint against Bank of America for its inadequate response to my dispute regarding fraudulent charges amounting to over {$72000.00} from XXXX XXXX XXXX, a Ponzi scheme based in Texas. Despite providing Bank of America with comprehensive documentation, my case has not been resolved satisfactorily, and I am seeking your intervention. I submitted a XXXX page document detailing the fraud, which included transaction records, communication with XXXX XXXX XXXX, and evidence of their Ponzi scheme operations. 

Under Federal Law, it is Bank of America 's duty to fully investigate ALL of the charges and provide provisional credits while the matter is investigated. Bank of America has FAILED to address ALL of the charges resulting from this Ponzi scheme defrauding me. As of the last week charges have been placed back on my credit cards placing considerable financial strain on me.
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (OR)

I believe that I am a consumer who was negatively impacted by Equifax 's nationwide credit scoring error this XXXX. These are the reasons as follows : On XX/XX/2022 my credit score dropped XXXX points from XXXX to XXXX because my on-time payment history increased from 96 % to 100 % ( this does not make sense ). 

On XX/XX/2022, my credit score dropped again XXXX points from XXXX to XXXX because the negative payment history on my XXXX XXXX credit card was removed, my credit card utilization decreased from 24 % to 7 %, and my XXXX XXXX payment history now showed 100 % payments on-time ( again, this does not make any sense ). 

On XX/XX/2022, I was notified that my missed payments were removed which increased my on-time payment history for my US Department of Education account which dropped my score XXXX points from XXXX to XXXX ( does not make sense )!!!
Consumer complaint received 2017-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: DISCOVER BANK (OK)

Prior to the   XXXX   recession, I was issued  a Discover Card w ith a limit around  XXXX . I was employed at the time, able to make payments. A week or  two afte r receiving the card, I received a call from a telemarketer selling Discover Bank 's protection policy. I was reluctant until the lady started going through all the benefits. I drug my feet, then she said that if I ever lost my job, through no fault of mine,  That  Discover Bank would pay off the balance owed on the card. In   XXXX   I was let go from the company I worked for due to the economy. I was also having health issues which prevented me from obtaining further employment, which at the  time20 %  of  XXXX  was out of work. I filed for Social Security  XXXX  which took over 3 years to complete.  XXXX  is my only sores of income. I currently live on the   XXXX   XXXX   in Oklahoma of which I am a tribal member.   Discover Bank filed suit in    XXXX   XXXX   NE . I received the summons, wrote a reply back to the Judge and then never heard another work until I received a notice in the mail that a hearing was held that I knew nothing of so the Judge awarded Discover Bank what they were asking for. I went back to visit with th e Judge  stating my side of the story and to remove the judgement. He said it was too late to remove it. He gave me all of  ten min utes of his time and then excused from the courtroom leaving me standing there before he heard all of my side of the story. I 've tried to get Discover Bank to dismiss the judgement but they will not budge. After doing research on the internet, I found complaint after complaint concerning Discover Bank operating practices. I 'm not the only fish in the barrel it would appear. There have been class action lawsuits against Discover Bank concerning their protection plan. We are at a stalemate. They can not garnish my  XXXX  payment and I am holding them to their word. Plus I have not the funds to pay them back. I am a product of the   XXXX   recession in bad health being held  hostage by a disreputable bank. The bank a long written off the debt, selling it to bill    colle  ctors for what eve r they can get.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial emotional distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and XXXX, undermining my trust and the credit reporting system. 

Moreover the persistence of these errors despite multiple disputes exacerbate the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being the distress caused by the situation is profound as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA The failure to correct or delete this false information despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue is caused not only financial repercussions but also significant emotional turmoil impacting my daily life and overall XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Account : XXXX XXXX XXXX Account # XXXX This account was charged off on the following date XXXXXXXX XXXX  Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this following account Sincerely XXXX XXXX
Consumer complaint received 2017-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (CA)

I received a letter in the mail fr om ARA Inc. trying  to collect almost {$3000.00} that was originally owed to  XXXX   XXXX . But, I have never had an account with  XXXX   XXXX .     I called the  ARA  on  XXXX / XXXX /  XXXX   trying to talk to them. But, they insisted it was me that opened the account and gave me a list of my identity information. Some were correct ; others were not. Of course some were right because they have linked it to me identity.     They eventually hung up on me.
Consumer complaint received 2024-11-19
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: BARCLAYS BANK DELAWARE (MO)

As of XX/XX/year> I received a hard inquiry alert from Barclays Bank of Delaware and never applied for any credit from them. XX/XX/XXXX I called and spoke with a representative who said my information was never in their database and she checked with their security department who also confirmed that my information was never in the system and no application has ever been submitted or processed for credit. Then XXXX told me to file a claim with the CFPB so you all can request the inquiry be removed from my credit report.
Consumer complaint received 2022-06-10
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX SV Account Number : XXXX Please remove it from my credit report. 
7 FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
8. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
9. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
10. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
11. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
12. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
13. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
14. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report. 
15. FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Please remove it from my credit report.

16. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit repORT
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I disputed the accuracy of the information related to my account with XXXX XXXX XXXXXXXX with transunion However, you have continued to report information without properly notating that the account is in dispute, as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ). This failure to notate the dispute renders the reporting incomplete and inaccurate.
Consumer complaint received 2017-04-24
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. (WA)

In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both Equifax and  XXXX . I was able to research a bit more using   XXXX     XXXX  and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XX/XX/XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch with  XXXX ,  Dept of Education, a nd NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency.  XXXX  reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports  XXXX  as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
Consumer complaint received 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My student loan was previously with  XXXX   XXXX  which recently got acquired by  Navient. When my loan got transferred to Navient , they changed the repayment terms of my loan without my consent or knowledge. At  XXXX , I was on a graduated payment plan paying $  XXXX . Navient changed this to an interest-only payment plan with a monthly payment of only {$160.00}. When I called to explain the problem,  Navient  claimed there was nothing they could do because they re-payment plan was based on information they received from  XXXX . However, when I called  XXXX , I told them the problem and they said it was not correct. I got a letter from  XXXX  with the correct re-payment terms and sent it via pdf ( through access to my account on their website ). I am still waiting for Navient to do the right thing. I am certain that I am not the only one who has suffered from Navient 's attempts to change the repayment terms to their benefit after they acquired  XXXX .
Consumer complaint received 2017-04-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (TX)

I filed a complaint agains t Wells Fargo w ith CFPB on  XX/XX/XXXX  about their  XXXX  discrimination for a two month Deferment while I was on medical leave and they would n't provide assistance for  XXXX  medical leave only if I was physically at my job before my complaint and still after their response to my complaint.   When I submitted my final response letter to their counter response, I included a CEASE & DESIST from all telephone contact which is still on file with CFPB, They attempted to call once right after that in late  XXXX  which is their right by law, however They started calling again in  XXXX  and continue calling me.  XX/XX/XXXX  is the first time I have become one month past due on my loan, due to loss of employment, but they called me on  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message,  XX/XX/XXXX  and left a message, and  XX/XX/XXXX  no message left. Like I advised before, do not contact me by telephone, email  or US ma il is fine, however I have not received any written contact from Wells  Fargo Auto Finance  at all just these calls. I do not wish to be called ever. My loan history will show that my pay history has been perfect until now. I am not just suddenly going to stop paying my loan, I am waiting for unemployment to kick in at which point I will be paying again. Again I do not wish to be contacted by phone and should not have to provide a seco nd Cease and Desist req uest in writing again!