davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (CA)

Discover has taken over servicing my student loan from Discover. They have redesigned the website, replacing key loan in formation such as interest rates and functionality to allocate additional payment amounts to principal, with all links leading to a graphs that showing payment history.  <P/> Now, the only option for allocating extra payment amounts to principal is by sending a written check via physical mail. Additionally, interest rate information is only shown on pdf or mailed statements, which must be downloaded and compared separately. Previously, these functions were built-in and easily accessible to borrowers.
Consumer complaint received 2017-05-28
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: EQUIFAX, INC. (TX)

I contacted equifax on  XXXX   XXXX  ,2017 in  regards to credit inquiries that I did not authorize and did not recognize. I spoke with a representative and explained to her that I contacted equifax a week before because I was having a difficult time accessing my reports, I was informed that someone by the name of  XXXX   XXXX  was attached under my report and social security number. The representative at that time requested for me to send in documents to verify my identity my social security and a copy of my drivers license which I did as requested and they confirmed that they received them. I asked the representative if she could look in to the credit inquiries because at this point I was worried about identity theft, and equifax refused to investigate in to this problem and informed me that they could n't because this was an actual fact of statement, and me as the consumer would have to do the leg work and contact these creditors that pulled my reports. I even spoke with a shift supervisor and asked him if under federal law under the FCRA do n't they have to investigate if the consumer request and he said even still that I would have to get in contact the creditors my self and the only thing he could do is add a fraud alert to my credit report. Which I did. I fell like they should abide by the law.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on  XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
<P/>
I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX  I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ivy Street Development Corp. (NY)

XXXX   XXXX   Military  XXXX ,  Veterans Administration are yea rs behind paying medical bills that they are responsible f or. Hospital, and their Attorneys put a l ean against my home. Plus I have partial  XXXX , have had  XXXX  for a short period of time. I have always had  Insurance. It 's not my fault that my Insurance is slow paying this dept, and I should n't be held responsible for this dept in question. Thank you for your time, and your cooperation with this matter. Hope to here from  you soon.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NV)

I was erroneously charged multiple fees to my Macy 's store card account beginning in XX/XX/XXXX ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my Macy 's account in XX/XX/XXXX, or at least I was under the impression that I had paid off my account ; however, due to Macy 's billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX. The first fee I incurred was on XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On XX/XX/XXXX, I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On XX/XX/XXXX I was charged another late payment fee in the amount of {$37.00}, and on XX/XX/XXXX, a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees. <P/>I was finally notified the week of XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called Macy 's store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to Macy 's reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.
Consumer complaint received 2017-05-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: High Performance Capital (CA)

XX/XX/XXXX Car Purchased - XX/XX/XXXX Car paid off -- -- -XX/XX/XXXX Amount their asking -- -- {$4.00}, XXXX Company Name -- -High Performance Capital Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX I would like to file a complaint to this company name High Performance Capital. I am very upset to High Performance Capital, because they do n't want to give my title of my car because they said I still owe them late fees for the amount of {$4100.00}. I was shocked and ca n't believe this? .I 've been dealing with different people regarding my vehicle account and I do n't know why also? They told if I do n't continue paying this they will reposses my car today XX/XX/XXXX. I was so frustrated and XXXX  do n't know what to do. I do n't deserve this.I paid off my car already and this is what I will get from them? .I did n't receive a statement for over two years and I just do n't know why? You can check their customers comments and review and it was really bad. This company need to shut down, the way they treated their customers is not fair. I do really need your help to speed up this process because I do n't want them to get my car. I am currently having physical, emotional and spiritual stressed and XXXX about what was going on. Please help me. I want them to stop harrasing me. I am loolking forward to hear from you soon. Enclosed a copy of my contract for you to see and review. Thank You. XXXX XXXX XXXX XXXX Email address : XXXX
Consumer complaint received 2017-05-28
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. (MI)

I mailed a Multiple  Inquiry Removal Letter o n  XXXX   XXXX  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I receieved the same response for all inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigated and if yo u do not investigate and respond, the CRA must delete the disputes information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I took out my student loans from XX/XX/XXXX-XX/XX/XXXX and used XXXX XXXX XXXX  for my Federal and Private Loans. When I started repaying the loans back in XX/XX/XXXX, XXXX XXXX was the company who I dealt with for repayment. I stayed with XXXX XXXX for my Federal loan until XX/XX/XXXXwhen I submitted my first paperwork for the Public Service Loan Forgiveness Program.
I was told I did not qualify as my loans were not through an approved servicer so I switched to Fedloan Servicing for my time to count. I worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, the XXXX XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX, and now the XXXX XXXX XXXX ( XX/XX/XXXX to present ). I worked as a XXXX in all three offices so I should qualify for PSLF program.
As the PSLF program was created in XX/XX/XXXX, I believed that I should qualify for at least 13 payments ( XX/XX/XXXX to XX/XX/XXXX ) for my XXXX XXXX XXXX XXXX time, 24 payments for my XXXX XXXX XXXX time, and 21 payments for my XXXX XXXX XXXX time. When I submitted my first PSLF form in XX/XX/XXXXI was told none of my previous payments counted as I was n't part of Fedloan Servicing and payments I made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX did n't count as XXXX XXXX was not an approved loan servicer.
When I took my loans out, the Federal government did not service loans and did not until years later. There was no notice that my payments did not qualify so until I got my rejection notice in XX/XX/XXXX, I did not realize that my payments did not count. I believe I should have almost 4 years in towards my loan forgiveness plan, but I am only getting credit for three years of payments.
I believe Fedloan Servicing should count the payments I made prior to switching to them.
Consumer complaint received 2017-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

This is a follow-up to complaint # XXXX Since my first complaint on this matter related to cancelling PMI, I have had communication with Wells Fargo. Apparently the original BPO prepared never made it to the Bank. As a result, a second real estate professional was scheduled to prepare a brokers price opinion. The broker came on XXXX XXXX, XXXX to perform the property inspection. I followed up with a call to the Bank a few days later to determine if the valuation report had been received and to inquire if the value opinion reached was sufficient to permit the cancellation of PMI. During our call on XXXX XXXX, XXXX XXXX at Wells Fargo advised that XXXX XXXX now required a full appraisal instead of just a value opinion derived from a BPO. Though I am a XXXX XXXX, I researched the servicing rules established by XXXX XXXX as they are a matter of public record. The servicing guidelines advise in no uncertain terms that the servicer, not XXXX XXXX  determines the appropriate approach to establish the current value of the subject property. Why would XXXX XXXX blame XXXX XXXX when this is n't true? She further advised that she would have an appraiser contact me to set up an appointment for an inspection. As of today, I have not received a call from anyone attempting to perform an appraisal on the property.
As a reminder, the check for the {$200.00} fee was negotiated by Wells Fargo on XXXX XXXX XXXX, and still here we are no closer to resolution. I ca n't imagine that I am the only mortgage borrower being subjected to these games by Wells Fargo. I strongly recommend that your agency take a closer look at the PMI cancellation practices at Wells Fargo.
Consumer complaint received 2017-05-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MS)

I  contacted American Education Services on Thursday,  XX/XX/XXXX  to speak with someone about filing a forbearance or deferment on my student loan. I was informed that they did n't have any options for me ( could n't lower payments, no deferments left, and no more forbearance time left ). I was upset with the fact that this company does nothing to help people try to do right by their student loans. They stated they did n't participate in the Public Service Forgiveness Program either. I am diligently trying to pay on all my loans, but these predators do n't bother trying to help you when you need a quick break from paying student loans because of other pressing life expenses. They should be sued and shut down for their ungodly practices.
Consumer complaint received 2017-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I purchased a used car from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. The Finance Manager unable to complete ALL of the documents that day. Took my Deposit of over {$4000.00} and told me to come back the following Friday XX/XX/XXXX, when he would have the final paperwork done. I showed up, he was n't there, he left NOTHING. I called him several times and then on XXXX XXXX 2017 I sent a fax to their general manager, XXXX XXXX. He finally got ANOTHER finance manager to XXXX ( took a few days ) me the final paperwork, which I signed on XXXX XXXX 2017. The problem, is they and they 're Bank started the loan on XX/XX/XXXX. They were sending me past due notices for 2 months on XXXX XXXX, 2017, BEFORE the paperwork was completed. I have called the bank, chatted with them ( copy enclosed ), they have done nothing. You see they are " Sub Prime '' lenders and are taking advantage of me. I do not have perfect credit, and that is why they 're charging me over 18 %. I am trying to repair my credit, but these people are liars and sharks. How could they start the clock ticking when paperwork was not finished due to incompetence by the dealer 's finance department. This loan should not be past due, it should have started on the XX/XX/XXXX, when the deal was  finalized. I need them to FIX this, refund their charges, make this loan current ( IT SHOULD BE ) and contact credit bureaus and send me an apology. Or Better Yet, Explain to You, The Government what they are trying to do. this is abusive by both parties!
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (LA)

I am a senior citizen and  my sss chec k was garnished  by ECMC for a st udent loan I had nothing to do with. I never heard from ECMC until I discovered that they was responsible for this invasion of my privacy and identity theft of my personal identifiers, namely my social security number, my date of birth to fraudulently take money and I must say badly needed money for mere survival from my check.Had they exercised due diligence they would have known that this was not a loan of mine. when I spoke with them about adhering to the FDCPA laws they stated that it does n't apply to them when in  XXXX  V. ECMC the  XXXX   XXXX  clearly stated that they  ECMC are  subject to FDCPA laws as a debt collector. Now being that they are aware of this ruling they are using deceptive trade practice to deceive the consumer and to defraud them out of their hard earned money, plus praying on senior citizens of which I am.Had I not discovered their deception they would have taken over  XXXX  dollars from  me.ECMC  have also violated La Deceptive Trade Practice laws and Civil  RICO  statures by scheming with  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX ,  N > Y >  and  XXXX  and   XXXX   XXXX   XXXX   XXXX    to   defraud me out of my money, they also drag the TREASUR Y Dept into this  scheme and t he social Security Administration.
Consumer complaint received 2017-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (AL)

On   XXXX   XXXX  , I  app    l ied for  a Conventional Fixed Rate First Mortgage at 5.000 % at  BBVA Compass Bank. After being pre-qualified for this loan amount that my credit score allowed.  I was instructed by  XXXX   XXXX   XXXX  mortgage loan  officer for BBVA Compass Bank to b egan looking for a house. After spendin g three mon ths looking for a house, we finally located a house that we like and thought was our dream come true. Once, we agreed that this is the place we want, then we were ask for fees, starting with a {$500.00} deposit for th e Realtor at  XXXX . After  that, we were ask for {$270.00} inspection fee of the house. We paid all of these fees and was about to pay an additional {$420.00} fee for appraisal. At the sametime, we thinking that it will not be long before closing time. However, the underwriter denied the loan because we were lat e one time in three years on a    XXXX  credit account.My problem with this process is telling us that everything is going great and time we spent looking for a home. Also, thinking loan was approved! we would have wasted our time and money for this. Another question is will we get our money back spent on those fees. I think the underwriter should have the first look at the application, before my time was wasted and they could have made that determination in the beginning. Now they want to offer us another Conventional Loan with a {$2400.00} down payment for the same house. However, I 'm a little worried about this cause the late payment  in three years  on my  XXXX  credit card is still there.