davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (AL)

The XXXX XXXX XXXX put on my credit report ( Equifax ) my student loans before I even finished school and I had no breaks inbetween classes. Some of my student loans were put on my credit report back in XXXX  and have been on my credit report ever since. XXXX has paid for all my student loans because of my physical XXXX. I have the paperwork from XXXX stating each student loan that is paid. I have contacted them several times with copies of XXXX paperwork but there are still XXXX negative student loans on my credit report. I want ALL OF THEM REMOVED.
Consumer complaint received 2017-01-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (DC)

Wells Fargo established a savings account for me and my husband and told us there would be no monthly fees a XXXX DC branch ( at XXXX XXXX XXXX XXXX XXXX, XXXX DC XXXX ). That was 4 years ago. Despite that they began charging me a monthly fee. We complained and they reversed the fees and stopped charging us. That lasted a couple years ... but this fall they began charging us again. When I called Wells Fargo they said that we were given incorrect information and that all their accounts have fees. We were basically lied to repeatedly.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2016-10-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: UNITED GUARANTY CORPORATION (AZ)

I had applied for a modification with XXXX on my XXXX lien last year. I went to a XXXX non profit agency for help. I misunderstood the counselor helping me and I did not pay payments while I was waiting to hear on the modification. a whole year went by and I kept submitting the requested docs to XXXX for the mod then in XXXX of this year I received a notice of servicing transfer stating my loan had been transferred to United Guaranty. By this time my new counselor with the XXXX office helped me call the new servicer to explain I was waiting to hear on my modification. we spoke to XXXX XXXX with United Guaranty she explained to me that my account is XXXX payments passed due and my balance is {$4000.00}. My payment with XXXX is {$120.00} if you do the math, XXXX payments x $ XXXX XXXX plus late fees. when the housing counselor and I called XXXX to discuss options to bring my account current since XXXX said I would not qualify for a modification. she said I had to pay {$4000.00} and my payments would not go back to the {$120.00}. I do n't understand why if all my information and terms of the loan was transferred this to me means that the current balance, rate and payment would remain the same. we told XXXX on the letter it also states that " nothing else about your loan will change '' I do n't understand why I can pay the 15 months of missed payments and go back to my {$120.00} payment, instead United wants to increase my payments which I can not afford. please help me to work with the new servicer, I just want to pay the pass due and go back to my regular monthly payment of {$120.00} which I had before it was transferred.
Consumer complaint received 2017-01-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OR)

Freedom Mortgage states in their payment script that if a payment returns they may make a 2nd attempt to withdraw funds. A payment was submitted prior to XXXX and due to an auto withdraw error it returned. Freedom mortgage did not make a 2nd attempt without advising that they would n't which caused the payment to go over XXXX. Upon speaking with them and advising it was unfair and deceptive I was advised by a supervisor that it would not report. 11 days later I was sent a letter advising it would report and upon calling the mortgage company I was advised that none of their payments make a 2nd attempt, or that " only some depending on the bank '', but they would not provide a list of the type of transactions that would make one, and when brought up that the initiating bank makes the decision to withdraw twice, I was advised that " it just depends '' and that it did n't matter because their script says " it may ''. When brought up about the prior discussion with a supervisor, I was advised I would have to give them the date for them to find the notes, and then afterwards was told there were no notes from a supervisor. I asked for them to pull the call, as well as why they would say there is n't notes reflecting a supervisor agreeing the legal script could be deceptive and advising it would n't report, and then was told " they ca n't confirm or deny ''. 

If the legal script did not imply a 2nd withdraw would occur, I would have known and been able to correct this prior to XXXX, however because I was waiting for a 2nd attempt and not submitting an additional because I could not pay 2 mortgage payments, the company is now blaming fault on me as the customer for not knowing that " may withdraw '' would mean it would n't. This is clearly deceptive and unfair, as the initiating bank is the one who decides to make a 2nd attempt or not. Generally there is no conditions on what types of returns this happens for, and the company can not provide a list to their customers so that they are being transparent. It is also completely deceptive that a supervisor would promise that it would not be reported due to those factors, and then when the company decides to do it anyways there is suddenly no record of this and they are completely unwilling to rectify it.
Consumer complaint received 2017-01-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

On XXXX XXXX, XXXX, my XXXX Nissan XXXX was totaled in the flood that occurred in XXXX XXXX, LA. I filed the proper claims with my auto insurance and XXXX insurance companies. My auto insurance company 's payment posted to my account for the date of XXXX/XXXX/XXXX. I received a letter in the mail from the XXXX insurance company in XXXX notifying me that they had mailed the payoff check to NMAC Total Loss department on XXXX XXXX, XXXX. I began watching the account online to monitor when the payment would post. After I saw no activity by XXXX XXXX, XXXX I began calling NMAC. I was told that they had not received the payment yet and that I needed to contact the XXXX insurance company. I contacted the XXXX insurance company so that they could investigate the issue. I was contacted a few days later, I was told the check was indeed received by NMAC and drafted out of their account on XXXX XXXX, XXXX. I was emailed a copy of the check that was stamped by NMAC. 
I discovered that the account number that the NMAC team member wrote on the check when they processed it was wrong and they credited the wrong account. The CSR I spoke with found the account and she saw that the {$9300.00} check had posted to an inactive account. She put in a request for the proper department to correct the issue and post the money to my account. 
The issue still has not been resolved I keep getting the runaround. I have been calling NMAC approximately every other day since XXXX XXXX, XXXX.
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Recovery Solutions, LLC (NY)

Robo phone call from XXXX, National Recovery Services. 
They contend there is a legal matter and I need to contact their office. I owe no one. I have no credit car debt. My credit rating is over XXXX. I want these harassing calls to stop.
Consumer complaint received 2017-01-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

I 'm paying close to {$650.00} a month for my private loans ( I have a sum of federal loans as well ) and I investigated further into where my payments are actually going. I noticed that less than 50 % of total payment per loan was being applied to the Principal amount. I contacted Navient, my private loan servicer, and tried to change the allocation of my payments to be put towards the Principal amount. Apparently, they do not offer that option and I 'm out of luck when it comes to trying to pay down the Principal amount. They also informed me that they do not offer any kind of income based repayment options. They offer other repayment options, but those have to be set up with their Collections department and declined to offer any more information on details of repayment options. Since XX/XX/XXXX ( current XX/XX/XXXX ) I have paid approximately {$600.00} of my balance and my interest rate on all loans has increased by 0.25 % ( highest interest rate is 11.000 % with no interest rate below 8.875 % ). I feel like I 'm being robbed and just treading water with these loans. I feel as though I will never get out from under this debt. I make a decent salary with my current job, but I know this will not always be the case and right now I can only afford to pay the minimum of {$650.00} a month.
Consumer complaint received 2016-11-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Moria Development, Inc. (FL)

I started a loan application with Peoples Mortgage Company, because they have a program called XXXX program. I was sign to XXXX XXXX, to work with me to be able to get a mortgage. Me and my husband had a lot of credit issue that I was trying to explain to XXXX XXXX but he was not trying to hear me. He felt like it was not his department and was turning me over to a credit report program. But the problem was I had to do couple of police reports because my oldest sister use my information to create debt in my name. This was the first problem with XXXX XXXX, he came over to me and husband as not friendly or a people person that work with the public. After Mr.Sheff information to me I just started to work on my credit in less than 10 days I have XXXX items fix on my credit on my credit report. The next I spoke to XXXX, I let know and I ask him for a pre- qualification letter. This is what XXXX had to say to me, '' XXXX XXXX, As of today 's date you do not qualify to buy a home. With your current debt and current income you do not qualify. If you 're looking for a dollar amount - I 'm sorry to have to tell you but Zero dollars {$0.00}. You do n't qualify to buy a home right now. There is quite a bit of work that needs to be done concerning your debt before you will qualify to buy a home. Even if your credit was perfect - your student loan debt is putting your income out of range to qualify for more than just about enough to buy an inexpensive car. I 'm sorry to have to tell you this but we seriously need to get control of your debt and pay your student loans down before you will qualify. '' This man cause me to be upset all day long at work, never been hurt so bad in my life. If your working with the public you have to be careful of what you say to a person because you do n't know how much your words hurt someone and you are representing a company. 
If you have any questions please feel free to call me in the office, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX DIRECT : XXXX | MOBILE : XXXX FAX : XXXX EMAIL : XXXXXXXXXXXX XXXX Licensing : AZ XXXX XXXX XXXX XXXX Company Licensing : AZ XXXX CO, Regulated by the Division of Real Estate XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2024-08-09
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. (NC)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2016-04-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My checking account was comprised. I misplaced my debit card and somehow someone got access to my account with my card and got my online account information. Deposited fraudulent checks into my account and started withdrawing from those deposits. I initially went online to check my balance and was locked out of my account. I called to find out why I was locked out. The representative I spoke with simply told me my account had been closed because of bad checks and fraud. No one offered or asked me any questions to determine the validity of the charges and simply released the call. I called back to open a claim against the charges. I received a letter dated XXXX/XXXX/16 stating the claim was opened. I received a second later dated XXXX/XXXX/16 stating it was resolved. I called to try and figure out how the claim was resolved 24 hours later without an investigation. I was told by the representative that because my pin was used and and the mobile deposits were made that someone close to me must 've taken my information and was holding me responsible. I REPEATEDLY tried to get the representative to listen to me and ask them to pull the tape for review. HE REFUSED. He stated he wasnt blaming me but it had to be somebody i knew. I repeatedly tried to inform the gentleman i had NO knowledge of anyone i know personally stealing information from me, and furthermore i had no part in any of the fraudulent activity and should not be held responsible. It was not until AFTER I threatened to file a complaint against bank of america that he offered to reopen the claim if I filed a police report. Not only was my account closed as a result. The bank has taken over {$800.00} from me and the account is now in the negative over {$1000.00} which they are trying to hold me responsible for.
Consumer complaint received 2024-08-09
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. (GA)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OR)

I received my annual free credit report two days ago, for Experian only. I 've attempted to use their online system to submit disputes to XXXX items that violate CSR Section 682.405 ( rehabilitated student loans that should have had all negative items removed in 2012 ), but no matter what I enter in the form, I receive the message " The additional relevant information you entered is invalid. '' I tried twice to use the alternative document upload form, but received repeated error messages there too. When I try to log in now, I see that I have apparently exceeded the number of allowed views for my ( federally mandated ) credit report. At the moment, my opinion is that the broken nature of this process amounts to fraud and violation of federal law, and I see no reasonable option but to seek legal council instead since the dispute process seems unlikely to yield any response.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name XXXX XXXX Date of inquiry : XX/XX/XXXX