davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

WELLS FARGO DISPUTE 15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE 15 U.S. Cod e  1611 -   Criminal liability for willful and knowing violation In review of my home equity documents that I received on   XXXX   XXXX   XXXX  , I do not see a rig ht of rescission pursuant to 15 U.S. Code 1635 - Right of rescission as to certain transactions. This is a violation of the consumer credit protection pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have disputed this account with Equifax numerous times and they keep telling me they do not see a dispute in process, however, when I try to dispute again, it says dispute in progress. I also advised Equifax that XXXX XXXX  is listed on my FTC Report and they keep insisting that it was not mentioned in the FTC report and they never received the report. I do not owe XXXX XXXX  any money. I have a fraud alert and freeze on my consumer reports for a reason. 

I have attached the FTC report AGAIN that Equifax claim they never received and clearly they can see XXXX  XXXX  was listed on the report filed since XX/XX/2022.
Consumer complaint received 2024-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

On XX/XX/year> I got a letter from MOHELA saying my PAYE plan was due to expire soon. They say in the letter that they are required to give a 95 day notice prior to the anniversary day of my income driven repayment plan. 
The letter was dated XX/XX/XXXX and I received it XX/XX/XXXX via email. The letter then said that my deadline was XX/XX/year>. That is a not 95 days and is actually 10 day notice. I panicked and recertified by uploading a tax return. Now I want to withdraw my recertification because I should have gotten 95 days. I also am aware that all recertifications are paused and many other people got this same generic letter with the 95 day statement and then a deadline that was well within 95 days. I cant afford for my payments to go up if they can stay the same for the time being. They tricked me into recertifying early with no 95 day notice if the deadline was truly XX/XX/year>.
Consumer complaint received 2024-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX XXXX XXXX XXXX was deleted from my credit report, between XXXX XXXX and XX/XX/year> and on XXXX XXXX was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, XXXX XXXX
Consumer complaint received 2022-07-18
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. (GA)

I have tried contacting XXXX Bank several times and the 1st few times I couldn't get far because I don't have an account number or credit card that the automated system is asking me for. I don't have this because I don't have a card to even have an account number. I finally found away to speak to a live person, on to find it was like an answering service. She took my information and my complaint and stated she would give the information to the company because the issuer of the card is an internet bank or something to that wording. I never heard from them. 

I have disputed this item many time with the 3 major credit bureaus. It always comes back verified. Like I've stated above, I've never used a card from them, applied for credit, authorized anyone to put me on as an authorized user etc .... it is damaging my credit and I want it off. It also looks like the closed the account and reopened a second account. Once again without any permission from me.
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear CFPB, I am writing to file a formal complaint against Transunion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/2024 On date XX/XX/2024, I submitted a dispute to Transunion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Transunion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-04-24
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. (TX)

On Monday   XXXX   XXXX   XXXX    , around  XXXX  Central Time, I called Equifax to request the removal of all dispute comments on my Consumer Report. In addition to this request, I also wanted to inquire about having a certain account removed from my report as well. After speaking to both   XXXX   and   XXXX   last week, it was brought to my attention by their customer service teams that this account met " certain criteria '' for immediate removal from my report, and they went ahead and removed it. The customer service member with Equifax told me that they could not remove this account and that it would be scheduled to be removed in   XXXX   XXXX    . I explained that both   XXXX   and  XXXX  said the account met " certain criteria  '' ( which they did n't specify to me ), a nd were able to remove it. However, the  Equifax CS r ep just kept repeating the scheduled removal date with no further investigation on her part. I asked her to transfer me to  a Supervisor, which  she did. I, again, explained the situation to the Equifa x CS Supervisor, and she proceeded to repeat the same scheduled removal date as the CS rep. She then stated that she apologized if the " other  XXXX  bu reaus '' were able to remove the account but that Equifax does not do early removals.     My biggest issue here is that I was n't necessarily just asking for an " early removal '' of an item for the sake of having it removed. I was asking for her to review the account and see if it met any criteria at Equifax that would prompt the immediate removal of the account. This could be due to an error in the way the item was reported, an error in the information provided by the creditor to Equifax, or some other Equifax specific ( unknown to a consumer like me ) qualification for removal ... however, no one there seemed to understand this, nor seemed to want to even check their sources. They just wanted to tell me, " No. '' It makes NO sense that  XXXX  of the  XXXX  major bureaus could remove this account, but Equifax can not. This is gross negligent handling of my personal credit profile and they are holding my credit sco re hostage by pu rposefully not removing an account that should no longer be visible on my consumer report.
Consumer complaint received 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I received the loan in  XXXX  and it has been sold several times, from  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX  and no w Naviet, a nd the loans went from  Stafford t o private without me knowing, they have gone from subsidized to unsubsidized without any explanation. On the Navient website they have several loans that I am not familiar with and I feel that my loan has been paid off several times but each time it has been sold the bank adds fees to it which includes interest payments without my knowledge, I feel that this loan has been going on for to many years and bouncing around without my knowledge and I only had it in forbearance  one  time and they still continued to add fees. The history of my loan going from here to there without my knowledge with numerous interest and added fees is n't fair to me. A loan that was {$23000.00} went to  XXXX  and I have been paying on my loan since   XXXX   none stop and now I owe  XXXX  and I feel that these financial institutions owe me a refund for over paying them over the years. Please resolve this problem and refund my money and also the credits could n't be transferred to any other college so I feel that I paid all of that money for an education and none of the credits will go towards a  XXXX   XXXX  so I did n't bother attending college for a higher degree because I would of had to start over from the beginning. Thanks.
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: SYNCHRONY FINANCIAL (CA)

Synchrony bank is reporting inaccurate and false information on my credit report through all  XXXX  reporting credit agencies almost a year after I filed chapter  XXXX  bankruptcy. While I was in Bankruptcy the fixed it but have now found a way to put late payments back on my report. The companies a re Amazon, Gap, QVC, Sams club and TJ Maxx.  This is against my fresh start initiative in for chapter  XXXX  Bankruptcy. I have advised them of this and it was removed but they have now added it back. On all my credit reports up until  XXXX  I have had  XXXX  late payments and now I have these late payments showing up and they are inaccurate and wrong and is a violation of  US Bankruptcy code. I  was never late and it was already   XXXX   enough to file chapter. This is the only thing that should be appearing on my report not any late payments. They can not decide almost a year later to report late payments. I have attached my credit report where no late payments reported
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NV)

On XX/XX/XXXX, I called in to request mortgage assistance. At this time my XXXX or XXXX payments had not been made and I know I needed help. I had already had one 30 day late reported to my credit and didn't want to go 60 days late. In XXXX we had come down with XXXX, us and our XXXX kids for almost the entire month. That put us behind on everything. Mortgage companies have been helping people with this. I called in and went over everything that happened to put us behind and all our financial information and she said that we could put our loan into forbearance until XXXX. She tried to get our current late payments waived but they weren't able to do that. I was happy just to have some relief to help us get caught up. I accept the forbearance and we hang up. In mid XXXX, I get a threatening letter stating my account is delinquent and failure to bring it current will result in foreclosure. This wasn't making sense to me since I had just put the loan into forbearance. I called in again ( waited on hold for about 45 minutes ). Finally got someone on the phone. Told her what happened and she kept asking if I wanted to extend my forbearance. I explained to her that I called in and last month and it should be good to XXXX. I shouldn't need to extend anything. She said I wasn't currently in forbearance. She then put me on hold and looked into it. I guess they weren't going to start my forbearance until XXXX. I don't understand why since my hardship is right now. Now I have 2 mortgage lates on my credit and additional late fees. She also was semi laughing at my problem and didn't want to be helpful. I asked her to please explain if my forbearance starts in XXXX, what happens with my XXXX, XXXX, and now XXXX payments that weren't made. Do they get included in the forbearance or how does that work? She couldn't or wouldn't explain it to me. She then hung up on me. There was no attempt to call me back to help get my issue. So again I call back in and wait on hold for 48 minutes. I finally get someone helpful on the phone that says my account unfortunately had a system error or is stuck in the system and it's not showing the forbearance on their end. He put in a request to get it fixed but wasn't able to tell my any further information other than to call back in 5 to 7 business days. I'm told that unfortunately they can not help me resolve the mortgage lates on my credit or waive the late fees. Neither one should of happened. I'm trying really hard to be patient and wait the 5 to 7 seven business days for them to fix their system error and then for me to call back in, wait on hold again, and then possibly find out why they didn't start the forbearance until XXXX and what will happen to the now 3 payments that I'm behind. Will I get to keep my house? Who knows. I feel that they do not care and are not helpful.
Consumer complaint received 2019-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I believe am fully eligible for PSLF, I have been with the same XXXX employer since XX/XX/XXXX and the program started XX/XX/XXXX AND I have been on income based repayment plans all this time too. I completed my application for PSLF in XX/XX/XXXX and I received a letter dated XX/XX/XXXX that states I am not fully eligible for discharge yet, and it is estimated that I will not be until XXXX. I am totally confused how I can be on income based repayment plans for the last 12 years and NOT be fully eligible for PSLF   yet. I am also confused on how two of my loans originated on the same date but have two different dates for estimated eligibility dates. PLEASE any suggestions or assistance you can provide will be greatly appreciated!!!! 

I also sent proof of name change and that has not been fixed
Consumer complaint received 2017-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (SC)

contact  XXXX  letting them know this is not my account. Also contact ed Santander they   state they do not have me in their system. This is not my account at all.   XXXX   has my birth year incorrect along with address that I never lived at. This is not my account never had an autoloan until last year.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

In  XXXX   XXXX , the co-owner of the car loan called me to tell me the vehicle was being repossessed. The co-owner stated he filed bankruptcy and he and his lawyer sent in a letter to the loan company turning over the vehicle. I was the primary on the loan and the one making the payments. I went to make  XXXX   XXXX  payment online and I was not allowed into the account. I then called the company to find out why. I was told at that time they had received the letter from the co-owners lawyer turning over the car. At this point I had not received any information about this from the loan company. Not through mail nor through a phone call. After that time, I was not allowed into the account to make payments. I was told they were going to pick up the car. My credit report shows  XXXX   XXXX  30 days late,  XXXX   XXXX  60 days late,  XXXX   XXXX  90 days late,  XXXX   XXXX  120 days late,  XXXX   XXXX  ok, and then  XXXX   XXXX  FP - If I was unable to get into the account and make a payment, how can I have all of these late payments and non payments on my account? The car sat from  XXXX   XXXX   XXXX  before it was picked up. Even though in  XXXX   XXXX  I was told that the vehicle was going to be repossessed, no one picked up the vehicle till  XXXX   XXXX . And then they want to show on my credit that I was late for 6 months. Also, if the co-owner and his lawyer sent in a letter turning over the vehicle without my knowledge, how can this effect my credit? I was not notified by the co-owner nor was I notified by the loan company. On my credit report,  XXXX  companies are showing a balance with this loan company at {$9300.00} and another  XXXX  showing a balance of {$35000.00} - How can there be such a significant difference in the balances of the same loan?
Consumer complaint received 2017-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In  XXXX / XXXX / 17  I made mobile deposit of my pay check {$620.00} which it told me would be available on  XXXX / XXXX / 17 . I later got a email saying {$420.00} was being withheld until  XXXX / XXXX /   17  due to overdrafts in the past 6 months. Firstly the did not give me access to the {$200.00} until  XXXX / XXXX /   17  after I called to inquire about it. As of  XXXX / XXXX / 17  it shows the full check being deposited as of  XXXX / XXXX / 17 . I think it is very wrong for me to be charged {$100.00} in overdraft fees for money they held just to be nasty. It usually takes the bank  2-5 da ys to receive payment for cashed check not 11 days. I do n't feel I should be penalized for this. The check deposited covered charges made and I believe I should be refunded {$100.00} that was charged in fees. The bank statement is showing {$620.00} as being deposited on  XXXX / XXXX / 17 . I should be refunded {$100.00}.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed the referenced account numerous times involving debt validation and violations of my rights as it relates to the FCRA. In  XXXX  and  XXXX  of  2017, I dis puted this referenced account. As several times before, the creditor removes the negative item. However, I received an alert from  XXXX  which reflects the item was re-inserted to my   XXXX   credit reports  XXXX  on  XXXX   XXXX  , 2017 witho ut notifying me.     Please assist in my request to have  XXXX  and/or the creditor remove the negative item reporting from my credit report. I have attached supporting documents for your review.
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

My CHASE account was missing {$6500.00}. I found out when a check came back for insufficient funds in XXXX of XXXX. My branch researched and found that back in XX/XX/XXXX someone created an online Bill pay and took {$6500.00} without my knowing. The person also changed the mailing address for the account. All I was getting was my monthly credit card statement from CHASE ( VISA ) showing fully paid each month. XX/XX/XXXX XXXX was killing people over XXXX in in Florida and the stress was relentless In XX/XX/XXXX, I filled a claim ( # XXXX ) with my branch, and I got back the funds. Now today XXXX XX/XX/XXXX I received a letter asking for the money back. Reason : I should review my online statement every month. I did not get a statement and did not ask or created an online account. I've been a Chase customer for many, many years and paid off a mortgage with Chase over those years. Years before there wasn't such a thing as ONLINE banking. Chase had kept my money safe until now.