davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I have disputed, notified, notarized documents, and sent numerous letters to the following agencies, lenders, loan servicers, default depts, etc. Telling them all THAT THESE LOANS ARE NOT MINE, AND I WANT MY NAME OFF, MY MONEY REFUNDED, AND CREDIT REPORT CORRECTED, AND COLLECYIONS STOPPED. No one LISTENS. I have told : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. AES/PHEAA 6.AES/XXXX 7. XXXX XXXX 8. AES/XXXX XXXX XXXX XXXX 9. AES/XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX that I paid my PUC student loans off years ago before XX/XX/XXXX, and that my first student loan at XXXX XXXX XXXX I paid off over 25 years ago, so how they could say it went into default in XX/XX/XXXXis absurd. It says paid off on the promissary note they sent me. As well as there 's no way in he -- the Federal government would give me a 2nd student loan if I had a loan that went into default 6 months earlier. They claim # 1 Lon at BBI, Which I got in XX/XX/XXXX, paid off inXX/XX/XXXX, went into default, XX/XX/XXXX, and 6 months later federal government gave me a # 2nd student loan XX/XX/XXXX for PUC. No flipping way would governmention ever do that. Also, and Bank XXXX XXXX confirms they never gave me a student loan, which all these loans were made by XXXX XXXX XXXX. They even showed at one point BBI loan came from XXXX XXXX XXXX too, which it did n't it Came from XXXX XXXX XXXX. Common sense tells you this info is not correct.
No XXXX XXXX XXXX was sold, and is no longer open, but was split and bought by XXXX, and XXXX XXXX.
I have my original loan documents from PUC showing amount of my loans, amd they do n't match the amounts these 11 federal agenvies are claiming that are mine. What do I do to resolve this. They continue to steal my money, I am XXXX, and on a fixed income, and they continue nonetheless. Not to mention their pathetic response to my disputes, is to simply give/sell the loans to someone else.
At one point these loans were in 3 states, 3 different account numbers, at the same time/years, same amounts, and all 3 charging their own additional fees. A XXXX loan is now over 18k, after XXXX  worth of payments they stoled from me. And they are not even mine. Please help.
Consumer complaint received 2017-08-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

One XXXX XXXX, 2017, I had an account balance of beginning balance of {$220.00}. An ATM withdrawal for ( {$100.00} + {$2.00} fee = {$100.00} ) was debited to my account. That left a balance of {$120.00}, which Capital One ( Bank ) debited an ACH charge for {$71.00}, leaving a balance of {$49.00}. The issue I have is with the following two debits. The Bank then debited a {$75.00} ACH charge from the account ( {$49.00} - {$75.00} = [ $ XXXX ], resulting in a {$35.00} fee. Then the Bank applied a check for {$30.00}  against the negative amount to incur another {$35.00} fee. Had the Bank applied the check for {$30.00} first, it would not be able to collect two OD fees. ( e.g. {$49.00} - {$30.00} = {$19.00}, no NSF/OD fee ).
The Dodd-Frank Act makes it unlawful for any covered person or service provider to engage in an abusive act or practice. An abusive act or practice ... Takes unreasonable advantage of ... the reasonable reliance by the consumer on a covered person to act in the interests of the consumer. Here, I reasonably relied on my Bank, to act in my interest and try to reduce the amount of charges incurred on my account when it was reasonable to do so. By not applying the {$30.00} check before applying the {$75.00} ACH charge, the bank caused me to pay {$35.00} or a {$30.00} check. I believe this to be an abuse act or practice as defined by the Dodd-Frank Act.
Consumer complaint received 2018-05-24
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. (NC)

Referring back to complaint # XXXX with XXXX XXXX, the investigation was completed and XXXX XXXX reported correctly the status of a mortgage account that was transferred/sold back in XX/XX/XXXX. XXXX   and XXXX  both have the information reported correctly on my credit report ; however, Equifax did not report the information as requested back in XXXX. My credit score has been significantly impacted with Equifax due to their error. This error was noticed on XX/XX/XXXX when I was trying to obtain financing for equipment for my business. I contacted Equifax and was told " we do not enter any information without the lender sending it over '' ; therefore, I initiated a dispute with my lender, XXXX XXXX. After the investigation into the matter by XXXX XXXX, the fault for my credit score dropping, dropping and dropping again is due to Equifax not reporting correctly on my report. Provided is documentation backing up my complaint. 
1 ) Copy of XXXX and XXXX credit reports indicating the transferred loan was reported back in XXXX. 
2 ) Copies of Equifax credit reports indicating my score and reporting of the loan in question on the dates ofXX/XX/XXXX ( indicating 2 mortgages open ) ; XXXX ( corrected report with 1 mortgage open ) ; XX/XX/XXXX( no mortgages open ) ; and XXXX ( open loan added back to make report correct AGAIN ). 

As you will see, my credit score went from XXXX to XXXX to XXXX to XXXX in a matter of 9 business days ... without any activity other than the Equifax entries. 

My question is ... Why did XXXX and XXXX get the information posted correctly back in XXXX and Equifax did not? Thru XXXX XXXX 's investigation, the information was sent to Equifax on XX/XX/XXXX, to report the loan as transferred/sold ... so why was it not done??? XXXX XXXX also resent the same information to Equifax on XX/XX/XXXX as a precautionary update and at that time, Equifax removed all open mortgage loans on my report. UGH! 

I am very upset with this entire ordeal, as it has caused me to not be able to obtain lending since my Equifax score is below the 620 threshold my bank requires! This is no fault of mine and I desperately need this score repaired immediately as I need to purchase a {$50000.00} piece of machinery for my business! 

Bottom line -- -- why did 2 out of the 3 credit reporting agencies get the information correct the first time it was reported and Equifax made four different entries on my report causing me to suffer???
Consumer complaint received 2017-08-04
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. (LA)

There is an unauthorized inquiry on my Equifax credit report from XXXX XXXX XXXX on XXXX XXXX, 2017. I have disputed with Equifax and has not been resolved in the 30 day time frame.
Consumer complaint received 2024-10-03
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. (GA)

I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2017-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

I have a mortgage with Wells Fargo for a property in  XXXX . My employer posted me to  XXXX  and I no longer have  a US mobil e phone number. Wells Fargo online does not allow me to log into the system to service my mortgage without receiving a code t o a US mobi le phone number as part of th eir two factor authentication procedure. As a result I can not service my mortgage online even with current log in   credentials. I spoke with Wells Fargo twice regarding this issue and asked  if the two factor au thentication can be done via my registered email address or a  XXXX  mobile number that can receive text messages. This is similar to ot her US financial i nstitutions. There does not seem to be a solution Wells Fargo is able to offer me.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (FL)

I paid off Wells Fargo over 50 % of my debt on the CC. I missed one payment and they put back all of the late charges they took off so I ended up owing just as much as before I sent them my tax return. Then one day they called me from 6 different numbers and I after I tried to talk to them they said they couldnt work out a deal and they wanted to hurt my credit. I then hired Contacted an attorney who I never heard from either but Wells Fargo says I owe them XXXX $ and I paid them at least XXXX $ of that twice.
Consumer complaint received 2017-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

There are several issues. First ) Kohl 's routinely does not honor 12 CFR Subpart B 1026.5 ( b ) ( 2 ) ( ii ) *The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing OR DELIVERY of the periodic statement disclosing the due date for that payment. * Kohl 's routinely waits until exactly 21 days before a payment is due before mailing. It takes a few days to mail before the recipient receives it. So while 21 days is the minimum they must offer for payment, it discounts the 21 days after delivery. So while 21 days after clearly falls within the mailing portion, it conveniently ignores the delivery aspect. Second ) I 'm not convinced Kohl 's is honoring the requirement to mail 21 days prior to it being due. Third ) I 'm not convinced Kohl 's is accurately accounting for the day they received payments. I believe they are holding payments an extra 24-48 hours before recognizing receipt in order to trigger more late fees. Fourth ) Kohl 's received payment within 21 days after delivery, which was delivered on XX/XX/XXXX. Kohl  's claims they received the payment on XX/XX/XXXX.
In the past I have had to discuss with customer service of Kohl 's in order to get the charges removed. At this point I have decided to forgo this method and instead contact you, the consumer financial protection bureau, as I believe they are intentionally adjusting timelines by a day here or there in order to illegally capture more fees with their store credit card.
Consumer complaint received 2017-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am trying to update my credit record in preparation for a mortgage application. Both XXXX and Equifax have reported the exact collections reports from a medical facility. XXXX deleted XXXX reports within eight days and my record is now clear of negative information. Equifax seems to be stone walling my efforts. It is impossible to file an online complaint with Equifax because the site has a permanent screen display that indicates that they are undergoing updates and/or repairs! It is obviously nothing more than an effort to discourage the consumer.If an inquiry is made it is immediately reflected on reports from all CRAs. If XXXX investigates an alleged collection and deletes that collection, why is the same report not deleted from the Equifax record?
Consumer complaint received 2017-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

I received a letter today ( X/X/17 ) from Collection Bureau of America stating that I owe {$36.00}. It notes the Current Creditor as XXXX XXXX XXXX. The letter states that if I do not notify their office in writing within 30 days, they will assume the debt is valid. It then states that if I do not pay the debt within 30 days, they may submit a negative credit report to a reporting agency. It is signed XXXX XXXX, Debt Collector. I had never heard of XXXX XXXX XXXX before I received the letter. I 've certainly never had an account with them or owed them any money. After reading other consumers ' stories about Collection Bureau of America, I 've come to the conclusion that this is completely fraudulent. However, I am worried that they will submit a negative credit report like they said.
Consumer complaint received 2017-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report. The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent. XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2017-08-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Select Resource Group (FL)

Every month with today XXXX/XXXX/17 - XXXX EST being the latest call. I received an aggressive message stating im leaving no choice but to file suit, garnish wages, notify employer of debt, time is running out to resolve the issue, its in my best interest to contact them. they have my social and its my last chance?
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NY)

I have made a total of 9 complaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and responded on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX They had an address on file to be verified and true it took 6 complaints to remove. Seems like noone at this comapny like to do there job as a result I have contacted CEO XX/XX/XXXX and will continue to do so till all false and misleading information is removed from my report
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I have repeatedly requested that Pinnacle LLC / Resurgent provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2017-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (DC)

While reviewing my credit report I noticed I have duplicate debt reporting twice on my report from different creditors for the same amount for a cable  bill. One from the original creditor the other from a debt buyer collection agency. W hich means the original creditor has written off the debt and has been paid. This is effecting my credit and payment history. The  XXXX  states charged off on my report while Debt Soultions is reporting the wrong date opened, which is n't matching the dat e of 1st  delinquent payment.
Consumer complaint received 2017-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In 2001 I bought said property XXXX XXXX XXXX in XXXX PA XXXX. The property taxes were not being paid properly, and the property went of the heriff sale list before I ever personally missed a payment. Countrywide Mortgage had been practicing fraudalent practices against its customers. I then lost my job and missed a few payments I tried to remedy through quick sale, but it was too late because they had already freclose my property by not paying the taxes they claimed they were escrowing. From there had to wait 7 years for the property to come off of my credit. Being sold several times XXXX XXXX XXXX XXXX XXXX, Bank of America and XXXX XXXX and XXXX. None of which even tried to collect the debt. I believe because they all new countrywide had been doing fraudlaent practices through the mortgage crisis. I would like a refund of all fees taxes and compensation for being scam into a mortgage that was already doomed. I can be reached at XXXX
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc. (CO)

My Wife and I lived in an apartment that became to expensive to live in once I lost my job. We had never signed a lease to stay at the property listed and were just staying month to month. When we found out that we could n't afford to live there anymore we were notified we could n't stay and we moved out within the designated period. We have since had a XXXX dollar collection put on our credit reports with two of the three bureaus. We do n't owe that money because we were not in the place long enough to have that amount accrue and because we never signed a lease in the first place.
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

two accounts of mine ( XXXX XXXX acc ending in XXXX and XXXX XXXX acc ending in XXXX ) are reporting inaccurate lates on one occasion, i have already called and also disputed these inaccuracies from the bureaus and also from the creditor itself. i have received letter from he creditors basically agreeing to remove those inaccurate information, lates from my credit report due to banking error. please have all the bureaus remove this inaccurate information. thank you
Consumer complaint received 2017-08-04
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: Convergent Resources, Inc. (AR)

XXXX XXXX reported to my XXXX and XXXX credit reports a collection account for XXXX on XX/XX/XXXX andXX/XX/XXXXof 2017. I was never notified of this account and XXXX XXXX has not provided any evidence that I owe this bill or that they have a legal right to collect it or report it. They are in violation of Federal law. My current and correct address has been the same for many years.
Consumer complaint received 2017-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

I reached 80 % L.T.V. on my mortgage in XXXX 2016. I wrote and e mailed a request to have P.M.I. dropped to no avail. At 78 % L.T.V. it should have dropped automatically but it didnt. I have spoken to 10 different people at Key Bank about this and no one cares or does anything to rectify the situation. They gave an excuse that it was still in effect because I owed a {$45.00} late charge which never appeared in any of my monthly statements. I paid it and still I am being billed for P.M.I. for 15 months after it should I have been dropped. I have never dealt with a company that has treated me so poorly and has shown zero interest in resolving the problem. Currently I am investigating if what they are doing is even legal and looking into filing a complaint with the Attorney General 's Office.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I had reached out to Transunion to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at transunion advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with th e Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usual 24-48 hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and  XXXX  where i can not get any of my free credit reports with some type of error stating that my information cou ld not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.