davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (VA)

I 'm writing in regards to a response received for a dispute filed with Experian. I have been disputing for several months now information on my credit report regarding XXXX creditors - XXXX, XXXX and XXXX. Experian has responded with only comments regarding XXXX ( XXXX ) of the XXXX creditors I have addressed. They have completely ignored the XXXX other creditors. With the XXXX creditor ( XXXX ) they did address, Experian failed to address what I was inquiring about. They simply stated the grantor has verified it 's accuracy and this was previously disputed. They did not address the specific question I asked about. I was not asking for verification or accuracy. My specific issue stated I consolidated XXXX loans, per the loan consolidation features, the loans that were consolidated should show a XXXX balance ( which it does ) and payment history removed. This has not happened, and was not addressed by Experian. Secondly, XXXX of the creditors ( XXXX ) is incorrect. The lender for that account is not XXXX. I even contacted XXXX, provided my SSN and they are unable to locate anything in my name with them. On this alone, this should be removed, but this was completely ignored by Experian. 
In summary, XXXX is incorrect, and was ignored by Experian. XXXX was ignored. XXXX was addressed but Experian did not address the specific reason I 'm disputing it. 
I have attached a copy of my letter sent to Experian as well as their response. Also included is my identity verification. 
Thank You, XXXX
Consumer complaint received 2016-04-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

On 3 separate occasions Wells Fargo sent a 3rd party company to call on my tenants in my rental building advising them that the property was going into foreclosure. I have been advised by legal counsel that this is illegal activity and that Federal Law prevents a lender from such practices. Furthermore, this is absolutely not true - foreclosure proceedings have not begun on this property, confirmed by Wells Fargo. Wells Fargo is in XXXX position with this equity line. The first occasion was to my XXXX floor tenants XX/XX/XXXX, XX/XX/XXXX. The gentleman advised them that he was representing Wells Fargo and that this property was going into foreclosure. They took a picture of him. 

The second incident was to my XXXX floor tenants, XXXX XXXX, 2015 and they returned there again on XXXX XXXX, 2015. On XXXX XXXX the gentleman said, " I 'm not supposed to tell you this but you might want to know that your property is in foreclosure. ''
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (FL)

I have an interest only loan that will begin to include principal in XXXX. I have applied with the bank servicer XXXX to modify my loan, and have been denied many times. Last time they denied me was because " the owner of my loan requires me to be delinquent before they can look into it ''. So I have asked XXXX, several times over the past year, and finally they have answered that Deutsche Bank National owns the loan. I contacted DBN and they then told me that they are not the owner, that they simply act as trustee and can not make decisions about the loan. I 've asked them then who makes those decisions, and I have not heard back. I do not know what I am supposed to do to keep my house. All other governmental sources have also denied me and the banks XXXX nor DBN are willing to help me.
Consumer complaint received 2017-01-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF THE WEST (CA)

I bought an RV in 2006 for $ XXXX. I made installment pymts of {$630.00}. for 8 years totaling $ XXXX. My husband got sick, I gave back the RV to Bank of the West. They sold it for $ XXXX. They are now suing me for interest money! They did not lose any money on the $ XXXX they loaned me in 2006. They got it all back in 8 years and now they want $ XXXX more! HELP
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (UT)

I 've had my student loan for several years now and I have n't been able to pay it until recently. In all my dealings with Navient they never offered to do a income based payment plan just kept putting it in forbiddances. I called their customer service line at the beginning or XX/XX/2017 to see what payee 's name I should put on my credit unions bill pay site and they told me Navient so that is what I put. I checked a few days later and the payment had n't been posted to my account but had come out of my bank. So I called again and was told I had the wrong payee 's name. So I was finally given the right payee 's name and got that updated with my credit union. Then I was told that the funds would be returned to me in the few days and I could just resubmit payment. Well in a weeks ' time nothing happened on either end so I called back a few times and was just told to wait. Then I called again and talked to a gentlemen but the name of XXXX and said he saw the payment and he would request to have it posted to my account and that it would be posted no later than XX/XX/2017. Well today XX/XX/2017 I received notice from my credit union that the payment had been returned and that I would be refunded to my account in 1-2 business days. 

This is very frustrating because now my payment will be late and after all the calls and time I 've wasted it did me no good. I am extremely dissatisfied with the customer server or lack thereof that I received from this company. If I could pick a different servicer I would.
Consumer complaint received 2016-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ECMC GROUP, INC. (WA)

The current holder of my student loans is ECMC, who acquired it from XXXX XXXX XXXX. ECMC shows that I owe {$220000.00} on my account. When I look up my account history on the ECMC website, no payment activity is shown for the time period XX/XX/XXXX-XX/XX/XXXX. During those 5 years, I had paid nearly {$1500.00} every month to a Chapter XXXX trustee, most of which was disbursed to XXXX XXXX. In the past I 've asked for a detailed accounting from ECMC to show how the current debt was calculated but did n't get an adequate response. XXXX XXXX XXXX no longer has those records, I was told in a recent phone call. I would like to know for certain that the debt is accurate and valid, but ECMC is infamous for being difficult to work with. Please let me know what options I have. Thank you. By the way, I 'm XXXX years old, if that has any bearing.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

During the past year, I suffered illness, a XXXX, and XXXX, therefore, I was unable to respond to Bank of America, XXXX XXXX XXXX and XXXX and XXXX their attorneys. 
From years XXXX to XXXX, we have filed numerous notice of errors, qualified written request and complaints to Bank of America and XXXX XXXX XXXX, regarding the error made when posting the taxes and insurance on XXXX XXXX, XXXX, the amounts posted in connection with the implementation of the Loan Modification Agreement on XXXX XXXX, XXXX. Both Bank of America and XXXX XXXX XXXX have neglected to correct the escrow errors. The most recent complaint was filed with Consumer Financial Protection Bureau. 
On XXXX XXXX, XXXX, Bank of America posted {$7000.00} instead of {$8900.00} listed in the XXXX XXXX, XXXX, letter and the Loan Modification Clarity Commitment. ( XXXX of Transaction History faxed from Bank of America ) ( See Exhibit B, Loan Modification Clarity Statement dated, XXXX XXXX, XXXX ) ( See Exhibit C, Response from Blank and XXXX for Bank of America and XXXX XXXX XXXX dated, XXXX XXXX. XXXX ). 
My most recent response via the Consumer Financial Protection Bureau, dated XXXX XXXX, XXXX, from Bank of America 's Attorneys XXXX stated on Page XXXX, paragraphs XXXX and XXXX state the following : " Regarding your claims related to escrow account error and misapplied payments please be advised Bank of America is unable to investigate the majority of these claims, as the exhibits were not provided with the letter ... .Further, the majority of these claims are vague, conclusory, and unsupported. '' " The letter claims that a letter dated XXXX XXXX, XXXX, was received regarding the payment of taxes and insurance in the amount of {$8900.00}. Please be advised Bank of America is unable to locate such correspondence, and the Payment History does not reflect such payment ''
Consumer complaint received 2017-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

I am a XXXX who signed up for a XXXX for XXXX credit hours. I paid cash ( {$100.00} ) for the tuition and thought nothing of it. 
A few days ago Navient, which serviced a loan I got in 2010 ( {$20000.00} ), emailed me and said my loan was deferred because I am now a student at the College of XXXX. I am not a student but an XXXX taking a once-weekly course at the local middle school! I never asked Navient for any assistance in paying an {$100.00} tuition! 
I am only two years from paying off my original Navient loan. I called them to cancel the deferment so my payment would continue. When I logged onto my account later I realized they had extended my loan for another year and added a {$1000.00} increase to the balance! There is no reason for Navient to change and extend my loan when I never asked or used their assistance on a simple {$100.00} tuition! 
I took all of my savings and paid the remainder of the loan 3 years early because I am afraid they are overcharging me severely. I feel that my balance payment has been inflated and would like a refund for the overage I was charged in this debacle.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

Chase has just stated ( XXXX XXXX, XXXX ) that I am due for the XXXX XXXX payment on this loan and I am attaching proofs of payments made from XXXX XXXX - XXXX XXXX. Also I am attaching XXXX wrongful/illegal acts of mortgage banking : first a suspense account that DID exist for years and my original loan document showing that my loan is based on Estimate Payments which is also predatory. XXXX XXXX XXXX and XXXX XXXX XXXX have lied to me during the past two weeks on this and many other issues in effort to give this site as well as XXXX and other agencies wrongful information, while hiding the attached proving the suspense account as well as predatory lending ( estimate payments schedule since XXXX ). XXXX XXXX has told me via phone last week that I only need wait for the " foreclosure sale date '' and refused to answer my questions regarding an auction that would be first necessary to take my name off of my deed to give to a land court to throw me out eviction notice. Refusing to give me any acknowledgement/answers of this procedure denies me of my consumer rights!! as well as offering me a Non affordable modification ( based on predator loan wrong balance, etc ... ) which would take about 75 % of my small XXXX only ioncome which is no way affordable. This in itself is in breach of foreclosure laws!!! Regardless of my refusing it or not! due to this predator loan to be continued another XXXX40 yrs on the original {$72000.00} balance initiated in XXXX. Please see the attachment showing the interest alone {$230.00}, XXXX on that amount ( borrowed {$72000.00} ) the total they are still trying to make me pay is XXXX!!! 400 % interest!!! XXXX XXXX XXXX and XXXX XXXX XXXX should be investigated for possible fraud and or conspiracy!!!!! while also giving false information to this site as well as XXXX in effort to fraudulently foreclose on me starting possibly next week. Again my questions of an auction are being ignored as they do now want me to be home to witness my home being sold and a different name put on my deed to intentionally deny me of my consumer rights!! Again I am XXXX yrs old and legally XXXX with numerous XXXX related medical problems that are aggravated by all of this insanity and abuses.
Consumer complaint received 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have been trying to lift security freeze with Equifax for five days. Equifax has online management for security freezes. That feature doesnt lift the freeze and directs me to call customer support. I then follow the instructions on the automated phone service that does not work. When I speak with an agent, they say they are having system updates. I called them on XX/XX/2021, then each day after until XX/XX/2021. Each time they say they are having system updates. He took my SSN and said he is getting an error. That is not a system update and he also said he was able to pull up another account. Why was he pulling up an account for someone he was not on a call with? I then asked the representative to speak with a manager because I feel that a 5 day update is unreasonable. The representative then places me on hold and comes back about 10 minutes later and gets more of my information to try to look me up in the system again. He got an error again. When he was unsuccessful he finally transferred me to a manager. She then told me they have several other customers with the same problem and they dont know how to fix it or when it will be fixed. They dont know what the problem is nor how to address it. I am applying for a mortgage so this is time sensitive. I do not understand how you can say you have several people with the same issue and no clue whats going on? Now myself and others are stuck in limbo until they get their system fixed. I would rather not have to deal with this company at all. They allowed hackers to obtain personal information from consumers and should be excluded from credit reporting because they have no control over their systems.
Consumer complaint received 2016-12-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Metro Collection Service Inc. (CO)

About one year ago I moved from the apartment called XXXX in XXXX Colorado to another place. So the apartment office said they were going to send me any balance remaining. On XXXX I received a balance of {$170.00} dollars so I went and bought a money order and submitted to them and cleared all the balances. Since then I never received any cimmunization that I had any due balances until around XXXX when I received a letter from one of collection agencies called Metro collection agency with a balance of {$230.00} which they wanted me to pay due to unpaid balance from XXXX XXXX apartments. The letter indicated that no additional charges are added from the initial debt. I decided to go myself to Metro collection and seek clarification of the balance and met with a person called XXXX XXXX whom I talked to and got me balance they received from legend orks apartments was {$170.00} and they added their charges which resulted to a balance of {$230.00}. He promised check and seek clarification from XXXX apartments and will give me a call back. I never received any call or mail since then. So I decided to check my credit score two days ago and found added account from collections with a balance of {$230.00}. I got the content information and found its from Metro collections agency. When I called them to ask about it they told me to write a dispute letter to them and attach a prove of payment that I made. So my concerns are if I never paid the balance why did they take long time since I paid the money order to contact me about the debt? Again why the Collection agency decided to add their charges on the balance they got from the apartments on which they indicated on the mail I received on XXXX that no additional charges or interests are included? Third why the collection agency never called me when I complained about the balance when I went to their office and they promised me that they will call back in few days ( XXXX XXXX employee who promised to call me )? Again why are they asking for a prove for payment for money order when the apartment are now owned by different company which they do n't have the receipt for payment and this is long time to be able to get that prove of payment? And finally why they reported the balance to credit bureau without contacting me to make a payment? Of course a paid this balance they are charging me.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I tried many times to come to a solution for repayment with Navient. No matter how many times I called o would get an entirely different answer. Finally I was told I had ZERO options for repayment and there was nothing they could do. After reading many recent articles such as this one ( XXXX ) I feel better knowing I am not alone.
Consumer complaint received 2016-04-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (WI)

I would like someone at my bank to investigate several transactions with a company by the name of XXXX aka XXXX. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms. As far as I can see transactions that were on this account were : XXXX/XXXX/XXXX {$10000.00} ( via XXXX charges {$9900.00} ans {$10.00} ) XXXX/XXXX/XXXX {$3500.00} XXXX/XXXX/XXXX {$1400.00} I was unable to open a dispute with my bank because of the transaction dates but I really feel that this needs to be further investigated. This company has yet to finish or render the services I paid {$14000.00} for.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada) (NV)

Allied Collection Services has me owing {$210.00} to XXXX XXXX XXXX from a XXXX/XXXX/14 medical office visit date of service. I 've been employed with my job for 11yrs with great insurance. I called XXXX and spoke with XXXX in the claims department for my medical insurance. She states they never filed a claim with my insurance company. There is a Nevada XXXX Rule. If the office does not timely file the medical claim with the insurance carrier THEY ARE RESPONSIBLE FOR THE BALANCE AND ARE TO WRITE IT OFF NOT BILL THE PATIENT FOR THEIR FAILURE TO BILL. THE DOCTOR 'S OFFICE HAD 24 MONTHS TO FILE WITH MY INSURANCE COMPANY AND THEY FAILED TO DO SO. I 'M REQUESTING THEM TO PROVIDE PROOF OF BILLING MY INSURANCE AND THEM NOT PAYING. IF THIS IS NOT PROVIDED THEY NEED TO CONTACT ALL CREDIT BUREAUS AND DELETE THIS INFORMATION FROM MY CREDIT IMMEDIATELY.
Consumer complaint received 2021-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Grain Technology, Inc. (PA)

On XX/XX/XXXX and and XXXX I withdrew {$220.00} and {$500.00} from My grain credit wallet I have made numerous payments since then.On XX/XX/XXXX Grain sent me a statement showing that after interest and payments made that I owe {$680.00} and my next payment was due on the XXXX of XXXX but they reported to credit bureaus that I owe XXXX and am using 178 % of my credit limit with them when I am only using closer to 91 % the app to make payments has also been down and they have tried to make updates but it keeps me in a loop so I cant even add my bank account to make payments
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

I am disturbed that equifax continues to list the dismissed bankruptcy as confirmed within my credit file past 7 years XXXX. Although it is there policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed Case Description : Equifax refuses to remove 10 year old Chapter XXXX dismissed bankruptcy from credit report Desired Resolution : Delete Chapter XXXX Public Record from my Equifax credit report