davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Equifax can not resolve my log in issue. I have been on phone with them 8 times to resolve. I tried purchasing my score on XX/XX/2018. was not able to process. I called later that evening and was told I needed to purchase the XXXX plan. I did so but it was not processed because I could not log in. The gentleman sent me a new user ID and temporary password and that did not work. he said he was sending a complaint to the IT department and for me to try and log in in a couple of hours. After this I did an online dispute with a Lady on issues I had with my free report I received early that day. followed up next morning. its still not working, called on phone and was send another temporary password, it did not work. was sent another and did not work while I was phone with person. Called back later that day and spent 2 hours  on phone being transferred back and forth with no help. was Finally told by XXXX that reason I could not access my account was that XXXX service was not processed. Said I had to do the XXXX monthly service to get to my account. I did with reservation trying to explain that it would not fix log in problem. she sent new temporary password again twice and it did not work as it has not before. at this point I was transferred around again to several people before I reached XXXX. after several attempts he was supposed to send in a request to IT to have it look at. was told it could take up to several days. Equifax holds my life in their hands with my credit report. on XX/XX/2018 I received an email with new temporary password. XXXX, same result. it did not work. I called to check the status of my disputes and was told they are all still pending, yet I have received confirmation that several have been resolved. I do not know where else to turn. every time I call I get the same thick accented mild easterners that I have a hard time understanding doing the same robotic responses each time. they will not transfer to a supervisor or to a department that can help. Sad that our countries citizens Finacial wellbeing is in the hands of 3 companies that source out there departments and don't care.
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (IN)

I had bed bugs in my apartment 3 years ago I was only in the apartment for 2 months & it was heavily infested I told the apartments because according to lease they is responsible for getting rid of the bed bugs they sent someone out who said they didnt see anything but I had pictures & all so they broke the lease agreement by deciding not to treat the bugs so I moved later down the line is when I tried to get an apartment I am unable to get 1 because all these charges they placed on my credit report so now Im XXXX all the charges they say was from things I left in the apartment well all them things had bed bugs so I couldnt take them to my next home they say I owe {$2000.00} Hunter Warfield Inc from XXXX XXXX XXXX
Consumer complaint received 2018-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (MO)

In XX/XX/2018, I received a notification of a debt appearing on my XXXX, XXXX, and XXXX  files by a company named Waypoint Resource Group, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The information was pertaining to a debt with XXXX XXXX XXXX for {$1200.00}. 

I immediately attempted to contact WayPoint Resource Group by  phone and email correspondence. The representatives stated that they couldn't find an account using my identifying information. I responded that they have placed a collection on all three credit profiles so if they can't validate who I am, then to remove it. The agency was unable to locate my account. Therefore, I resorted to contact XXXX XXXX directly and found out that the account that this company is claiming to collect was opened by someone using my credentials and that it had already been paid in full and that I have no outstanding debts with them.

Waypoint Resource Group is guilty of a criminal offense of deception and attempting to collect funds not owed. WayPoint Resource Group made no attempts to contact me by phone, mail or email, they don't even know who I am. I am requesting that civil penalties be assessed against this company and that they be investigated immediately. I am also requesting that the credit bureaus delete this false information immediately.
Consumer complaint received 2018-04-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (LA)

ok I met this person on XXXX   after going through a divorce, after speaking with him a while online he said he wanted to help me because I was going through financial troubles convinced me to give him my Regions account number to deposit XXXX in my account to help me. Well little did I know I was being scammed, Regions sent me a copy of the check which was from XXXX and it wasn't even the person I was speaking to online. Fake online name and all, this has messed me up bad with direct deposit my pay and cashing an insurance check I received from damage in my storage building. Please I have learned my lesson and trust no one with my personal information. I am the victim of a scam.
Consumer complaint received 2018-12-03
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XX/XX/2018 I received a threatening phone call from XXXX USAA stating that they will not review my case, they will hold me accountable for fraudulant activity on my acount, per a prior CFPB report regarding fraudulent charges that have been disputed for the past year, some charges were reversed, but there is still an outstanding debt. The company states they have decided to hold me accountable for a fraudulently used convenience check. I have been a member of USAA savings Bank for 20 years and never used a convenience check to pay another person. they claim I paid someone, with this check. They are attempting to ruin my life, thay have put me in severe danger That is absolutely ridiculous as I have never written a USAA convenience check, never received, I have asked for a copy of the check, whom it was written to where it was cashed, where the checks were received and received no response. I have asked for the company to stop blatantly lying to me directly. I have asked them to put themselves in my shoes as a consumer and 20 year member and to simply do what they advertise which provide and protect consumers with XXXX liability fraud protection. This is 100 % fraud where is my liability protection? Why am I to be held accountable for this? I never received checks, I never wrote checks. They have caused me undue harm, increased stressed and should be held accountable for their actions. They do not really care about the consumer, they have no fraud protection. I would request a full audit of this company and there policies, specifically regarding denied fraud claims, as they continue to put the consumer at risk.
Consumer complaint received 2018-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

I purchased a car and Westlake was the finance company. I am XXXX XXXX and informed the finance company of this and was told there was no relief for me. I was lead to believe that repossession was my only alternative. They came and picked up the car XX/XX/2017. I have since found out that I was covered under the SMRA and should NOT have had my car repossessed. This is a violation of the federal law that protects military personnel. I have since tried to retrieve my car back without success and my credit has since been ruined. They have been unwilling to work with me to settle this issue.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (OH)

XX/XX/2018 - called XXXX XXXX to check on status of my income-driven repayment plan application. I was telling the man from the department of IBR that I submitted my application on a date different than what he told me and he became rude and short. I told him I understood the system said one date but I knew I had submitted it prior to that. He kept reiterating to me that he was correct and I was wrong. While it seems insignificant, and it largely is, this is not the first time I have had issues with customer service. On a date that I cant recall, I called and the man I spoke with was very demeaning about the questions I had regarding the process of finding out when my loans were due and IBR. 

I have currently been waiting since XXXX for all my loans to be placed on one IBR plan. I submitted my first application in XXXX and was told all my loans were on the same IBR plan. Somehow, they were all removed from that plan and I had to resubmit my application. This time, only part of my loans were placed on the IBR plan and most are not to my understanding today. 

I have been trying to secure a loan for a house and need my billing statements. I have called numerous times and have gotten the same answer, that my bill is not due yet and I have to wait until my IBR plan is approved. My first payment was supposed to be due XX/XX/XXXX, but because of XXXX XXXX delay, my first payment is XX/XX/XXXX, and that is only for part of my loans. While this seems nice for some people, it is hindering my he-buying process and is causing a lot more trouble than good. 

This company has been nothing but slow and unresponsive, not to mention has rude customer service
Consumer complaint received 2022-07-08
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. (PA)

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

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : Also States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-04-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (FL)

On XX/XX/, I tendered payment to NELNET/ US DEPT OF ED in the amount of {$79000.00} but NELNET continues to make attempts to collect the debt and report the item negatively on my credit reports as unpaid. I tendered payment. OnXX/XX/XXXX, I disputed the item as prescribed in law under the FCRA and FDCPA and I requested NELNET to provide the original contract bearing my signature and the comprehensive accounting of the account but they willfully ignored my request and claimed " We are unable to adjust your account at this time, because your credit inquiry was incomplete, invalid, or a goodwill* request ''. NELNET violated the FCRA and FDCPA by reporting my account with negative remarks on XXXX XXXX and XXXX, for a debt that I dont owe, therefore since NELNET can not validate the debt, NELNET must request that all credit reporting agencies delete the entry.

Other than that, this account was created by fraud because I never gave permission to NELNET to withhold the comprehensive accounting information from me. The comprehensive accounting is not proprietary information, NELNET does not get to hold that information and I demand to see that information. If NELNET fails to provide the comprehensive accounting or prove that this debt actually exists and that is what a full and complete comprehensive accounting will show, then Ive already paid through legal tender of payment, government obligations remittance coupon dated onXX/XX/XXXX in the amount of XXXX. If there is a remaining balance, then it is false debt and NELNET hasn't applied all credits to the account and NELNET did it intentionally because I asked for a comprehensive accounting and not a billing statement. I want a complete and full comprehensive accounting of every transaction associated with my account to show that this debt exists.

Lastly, the retaliatory action taken by NELNET via credit reporting agencies will result in a small claims action at my local venue. Their actions has caused me significant harm, defamation of my character, job loss, humiliation, inability to acquire credit, home, water, phone, and other necessities of life. There is fairness in the Law. NELNET violation of the Law has harmed me physically and mentally. I request the CFPB to investigate this matter and make NELNET provide the original contract bearing my signature and the complete and full comprehensive accounting of this account. 

Thank you for your time.
Consumer complaint received 2018-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

back in summer of XXXX got behind because of wifes health owed two payments so they set me up on repayment plan that added XXXX more dollars for six months well i paid three payments then another medical problem couldnt pay so they put me behind two payments sent me letters of forclosure so i contacted them so they set me up on another six month plan raised my payment XXXX, XXXX again piad four payments had brother dieing in texas call the bank told them would make payment on XXXX paid payment they sent me statment saying i was two months behind both times i dont know where extra money went so i ask them but no reply so i barrowed money to catch up sent them XXXX to catch up so when i pulled it up on line showed i paid XXXX XXXX XXXX XXXX XXXX so i called them they said dont worry it was applied my payment was XXXX amonth so i got statement for XX/XX/XXXX.00 cant afford that dont want to loose my home iam a XXXX vetran need help they also charge me XXXX for mortgage protection i ask what was that was incase i die before mortgage is paid off i asked if that paud off mortgage they said no so im just giving them an extra XXXXamonth for nothing so i would like help if possible respectfully sumitted XXXX XXXX .00
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am a victim of Identity theft, my information has been used fraudulently and as a result there are items on my credit report that I never was associated with nor benefited from. This is causing me immense XXXX XXXX XXXX XXXX I filed an FTC report as I was instructed to by Equifax and I have sent in this report but these fraudulent items still remain.
Consumer complaint received 2018-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

My experiences with Rushmore Loan Management Services suggest that their automatic billing processes are prone to error and lack transparency. 

In XXXX of 2018 I changed the way I paid my mortgage from automatic payments initiated by my checking account to using Rushmore 's automated debits, which would automatically deduct my payment each month, and would automatically adjust when changes to my escrow payment required it. 

I'd forgotten to cancel the monthly payment initiated by my bank, so I made two payments in the month of XXXX. When I realized this, I contacted Rushmore and asked them to reassign the overpayment to my principal. On XX/XX/XXXX, I expected Rushmore to debit my account per my automatic payment agreement, but this did not happen. I was traveling abroad for much of XXXX, and did not realize this until XX/XX/XXXX. 

When I spoke with a Rushmore customer service agent, I was informed that my payment for XXXX was not made because the double payments for XXXX caused the account to register no balance due. I also learned that both payments from XXXX had been attributed to principal, so I was in default for XXXX as well as XXXX. Furthermore, my account was not debited as usual in XXXX since my account was in default. I incurred approximately {$110.00} in fees due to the missed payments. 

Rushmore encourages users to use auto draft payments : their website states : " Rushmore highly recommends setting up recurring auto draft payments, if your loan is eligible for the service. Signing up ensures you will avoid being late on your loan payment ''. I did this, and consistently had sufficient balance in my checking account to cover the drafts. Nevertheless, my account became overdue and I incurred fees and had negative impacts on my credit score. It also took some time and inconvenience to resolve the issue. Furthermore, I was not able to find any information on Rushmore 's website ( rushmore.customercarenet.com ) that showed the terms of my existing recurring bank draft agreement, nor did I receive any communications from them explaining that my bank draft would not go through as scheduled.
Consumer complaint received 2018-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  XXXX XXXX  XXXX {$350.00} ( charge-off ) & XXXX XXXX XXXX {$860.00} Both accounts were settled ... 

I challenge the accuracy, compliance and reportability of this listing. 
grave errorsfalse claim and reportingI want these accounts rectified or removed immediately or litigation may follow, F.C.R.A. violation. 
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have been working with Bank of America since-XX/XX/XXXX on my Client for a Short Sale Approval.  Which BTW was approved once on XX/XX/XXXX with a previous Buyer. I have repeatedly called and emailed my Negotiator to only go 5 to 7 days without ever receiving a response. Numerous calls have been made to BOA Customer Service to request the file get expedited to a Supervisor. It's now been 10 days with no returned call from my Negotiator and or the Supervisor. I placed BOA on notice the urgency of getting their response due to the 1st Lien holder 's approval will expire on XX/XX/XXXX, which would cause me to re-start this all over after working the file with both Lender 's involved since XX/XX/XXXX. As I mentioned I left the Supervisor 4-5 messages over the last 5 business days, to only have someone from Customer Service call me to say they would email the Supervisor to contact me. This has been an absolutely horrifying experience with BOA. I have worked this part of the XXXX XXXX XXXX for well over 30 years, and the communications with BOA have never changed or improved at any positive level. As of today I was told my Negotiate is out of the office and has been for the entire week, and there is NO ONE overseeing her position while she is away, and NO ONE can assist to move the file for final review until the Negotiator returns. This is only a small portion of the chain of events with BOA. I would very much like to understand why if an employee is out of the office there is not one person available to respond with some knowledge that the file is being worked on. My file has now been sitting idle for well over 10 business days. If I performed business in this manner I would be out of business. I have throughout this entire process with BOA responded to their request the same day there is NO reason this file should not have been completed in a timely fashion, but due to the inability of the individuals that are holding this file idle have made this an impossible to feel there is an end and a hope for those being affected financially by this chain of events.
Consumer complaint received 2018-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received notice from Bank of America that they were notified by XXXX that there was a chance my card had been compromised and I would be receiving a new one with a new number. Upon inquiry Bank of America and XXXX refused to disclosed what was the source of the compromise with Bank of America putting the problem with XXXX. 
If a particular merchant was the cause of the compromise I want to know so that I do not patronize that merchant in the future. 
The time necessary to deal with the new card will be lengthy as I have a number of recurring monthly bills tied directly to the card. As the end used I should have the right to disclosure of the suspected source of the compromise.
Consumer complaint received 2018-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I have 3 accounts on my credit file from XXXX XXXX - acct # XXXX they are all listed with the same account number these accounts have been on my credit file for longer than 7 years. XXXX deleted the accounts as of XX/XX/2018 but they still remain on file under XXXX and Equifax. 

these accounts should be excluded/removed from my credit file based on the 7 year law
Consumer complaint received 2018-12-03
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: ID Analytics, Inc. (TX)

Report provided by XXXX XXXX to XXXX XXXX shows artificially low credit score due to nontraditional reasons. At the time of my auto loan inquiry with other Banks, my scores from the main 3 bureaus were XXXX, XXXX & XXXX. This company listed me at XXXX and could have negatively affected my chances at a better interest rate. They listed reasons such as " too few retail accounts '' and " limited history at address & phone ''. I have excellent residence history and have had the same phone number for 14yrs. 

In order to get a copy of their report, I need to send sensitive identification documents via fax or mail which is not secure.