davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Asset Recovery Solutions, LLC (NC)

I am the co-signer for my daughter 's XXXX Navient student loans which have been in default for approximately seven years. I am XXXX and it is recognized by the Social Security XXXX. I am also bankrupt. I filed Chapter XXXX in XXXX and XXXX XXXX in XXXX. For years I have contacted Navient numerous times to try to get this loan out of my name since I will never be able to afford to contribute to its balance. I am not requesting that the loan is dismissed and forgiven ; I am requesting for these loans to be taken out of my name. I was told by Navient of ways to have my name removed ; however, they were very expensive and not an option for me. I have asked numerous times why it is XXXX 's policy that the co-signer can not removed from the loan based on their XXXX. No one has ever been able to give me an answer other than saying it 's XXXX 's policy. It was also recommended by a Navient representative to have a XXXX form completed by the doctor and returned to XXXX for review to see what happens. I did so and was immediately denied with the only explanation being co-signers can not be released from the loan based on XXXX. When I called to ask once again for further explanation of the denial, I was given contact information for Asset Recovery Solutions , LLC which is a collection agency. I immediately called the collection agency. The lady I talked with said she would note my account in the computer and send it to some department. She suggested that I call back in two weeks for an update. I called today, XXXX XXXX, XXXX. A different lady had no idea what I was referring to as she said my file was not forwarded. She then transferred to a manager. This male manager with an attitude was not knowledgeable and incorrect in some of his statements to me. He said that these private loans can not be forgiven by borrower or co-borrower. I asked him why is there such a form if that is the case. I feel that this policy is unfair because the borrower can apply for relief if he or she is disable, but the co-borrower can not. The co-borrower is human as well and can become XXXX and unable to repay the debt.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (ID)

Beginning in XXXX, a Public Filing Entry of a State of Idaho Tax lien was noted on my Credit Report with all three credit reporting bureaus. The lien is not and has never been mine. Both XXXX and XXXX, much to their credit, did remove the notations soon after I provided them with the same documentation that I provided to Equifax. Equifax howver did not remove the error in spite of my having provided them with not one, but two separate letters from the Idao State Tax Comminsion clearly affirming that the lien was not mine ( copies of those letters annexed to this statement ). My Equifax dispute number XXXX was filed on XXXX XXXX, XXXX. I just called Equifax today ( XXXX XXXX, XXXX ) to check only to be again be told that after a thorough investigation that the lien is in fact mine, this in spite of my having provided them with the aformentioned letters. I just filed Equifax dispute # XXXX after being told that the lien would not be removed. Frankly, I am growing weary of dealing with these people and so ask that your agency look into the matter. Thank you, XXXX XXXX XXXX
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing incorrect information on my transunion credit report for months now. I just checked my credit score and it went down again. I keeping submitting substantial confirmed information from XXXX stating that my XXXX and XXXX are current and never late. These XXXX accounts are reporting with a degratory remark which was suppose to be removed. These XXXX accounts should be reporting as accounts in good standing. right now they are reporting as potentially negative. This information is incorrect and I am constantly calling transunion and sending in these letters from commenity bank that this information is to be corrected. Transunion keeps telling me it 's under investigation then I am told it is reporting correctly. This information is wrong. Again my XXXX and XXXX should be listed as accounts that are satisfactory. I am being pressed to seek legal action against transunion as this incorrect information is affecting me in obtaining credit. I have spent hours upon hours sending these letters calling transunion and nothing is changing but my score going down.
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear Sir or Madam, I have been working and paying my bills on time since I moved out on my own at age XXXX for a living. In my XXXX year credit history I have bought and paid off homes, cars, motorcycles, and boats. I have had a & gt ; {$10000.00} dollar credit line with VISA since 1999. I currently have {$380000.00} in credit balances- real estate, revolving, installment, and charge accounts in total. Of the {$380000.00} I owe, {$200000.00} is in government backed student loans. 

I gross & gt ; {$XXXX} a year from employed income as XXXX. In my entire credit history I was LATE on ONE car payment over TEN YEARS AGO while I was in XXXX school studying for my XXXX exam. Other than that I have never missed so much as a XXXX payment. 

How can I possibly have a XXXX credit score that ranks me at 52 % of American consumers?!
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of ID Theft and I am asking for help with disputing negative items that are on my credit file. I owe students loans without a certification and I am XXXX years of age. I have consolidated my school loans to have additional negative items added to my file. When the closed accounts are opened one can see that it is closed and transferred to XXXX account through consolidation. I have been turned down for credit because of this action and have to dispute with help. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. When I look at the good accounts there shows the accounts all in consolidation. I am very concerned and I would appreciate an investigation and a letter of proof showing the investigation. I thank you so much for acknowledging my queries.
Consumer complaint received 2017-01-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have an unauthorized and fraudulent credit inquiry listed on my Experian credit report. The following credit inquiry is unauthorized and fraudulent : XXXX, XXXX/XXXX/17. The credit inquiry do n't belong to me.
Consumer complaint received 2016-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (WI)

I have a balance of about XXXX dollars on my student loan left to pay. I 'm a XXXX parent and my hours have been cut at work. I receive 3-5 phone calls from Navient Solutions in regards to my loan payment. I 've had a deferred payment before and every time they send me an email to defer my loan payment I respond and receive emails saying they can not locate my account. I 'm tired of repeated phone calls, some of which are immediately back to back. Last I knew according to federal collection laws, each number listed to an account was able to receive 2 phone calls per day and only one message left per day. Also what is the purpose of being able to reply to an email for a deferred payment if it can not be honored. I have a complete call log of how many times a day they contact me as well as many emails showing I 've responded they way they ask for a deferred payment just to be denied.
Consumer complaint received 2016-07-28
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (TX)

GM Financial has failed to correct erroneous information submitted to XXXX, XXXX and XXXX CRAs. 

The accounts on my credit reports are not reflecting the correct or consistent " purge from '' dates. They have been illegally re-aging this debt. Additionally, they are illegally inflating the amount owed even according to their own internal records.
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Equifax is still reporting an item as belonging to me despite several disputes. I have received letters from the company holding the debt ( XXXX XXXX ) stating that this particular item does NOT belong to me but still Equifax wo n't remove it. They are the only credit company still reporting it on my credit. I 've tried calling, disputing, filing a complaint and after 6 months, it 's still there. Feeling very frustrated with this process and lack of communication on Equifax part. If they would pick up the phone and call XXXX XXXX, this could have been solved months ago.I am appalled at the process to remove an incorrect item. Most people would have given up or spent thousands of dollars using an agency to remove something like this. It should n't be that difficult. I HAVE PROOF from XXXX XXXX that the item is NOT mine. Ridiculous that Equifax ca n't obtain the same information and get this removed.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft. The following accounts are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-12-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (SC)

Equifax is reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include 'Serious Delinquency. ' This has been reported to XXXX different financial institutions this year. After each time I have tried contact Eqifax by phone with no luck. On XX/XX/2016 I wrote a letter to Equifax and included a copy of the adverse factors I received from the XXXX institutions. Nothing happened. I got no reply and it was again reported this month to the third institution. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get Equifax to stop from sharing false information as it is hurting my credit. We wanted to refinance our mortgage, but this 'Serious Delinquency ' has really hurt our chances. 
I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... NEVER LATE. Because of attempts to correct this issue we now have had a lot of inquiries as it is the only way to see these adverse factors. 
please help!!!
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (CA)

I have a US Bank CashPlus visa credit card which explicitly advertised XXXX % cashback on Department Stores. They even list XXXX as a merchant. I have with success purchased at XXXX online and received XXXX % in the past, but all of a sudden last quarter my {$2000.00} quarterly online purchase at XXXX, where I went to XXXX, checked out at XXXX, only received XXXX % cashback. They claimed it coded as " business purchases '' and would only receive XXXX % cashback. This seems like the height of bait and switch, to open list a very well known department store in the list of accepted merchants and yet claim purchases directly from that merchant 's own website somehow does not get XXXX % cash back. And to not even do the courtesy of a manual credit is false advertising.
Consumer complaint received 2016-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Convergent Resources, Inc. (OH)

Convergence Outsourcing have been told not to contact a specific number ( XXXX ) because it is a business number. Even after requesting them to cease and desist of contact they continue to call me, completely ignoring my request. They have been reported to the FTC once before, and no action have been taken, especially when this is a complete violation of the FDCPA. I feel they are continuing to contact me in attempt to harass me and my company.
Consumer complaint received 2017-01-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

Hello, Back in XXXX of 2016 I attempted a Mortgage Refianance .The company I delt with locked in a low rate and documented this. There were a few issues the company was awhere of scince day XXXX. The rate was changed twice, the last change was a few hours before signing stateing issues they knew about from day XXXX, rate went from XXXX to XXXX +. Is this leagle when they locked the rate in? And had me sign loan disclosure docks? I of course did not sign after this, but the time waisted costed me a decent interest rate.
Consumer complaint received 2016-10-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (TX)

I am behind in mortgage payments due to lost income. I contacted my Wells Fargo, who holds my mortgage to try to work something out. I am told I can not apply for home equity loan or other plans unless I agree to do a forbearance, and pay the total sum when requested due. I am being coerced into signing this when I have no idea what the amount will be or how much time I will have to pay it. I also must agree that if I pay less than the total amount the forbearance is void and the bank will foreclose. How is it legal that I must agree to unknown amounts and terms?
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I have reason to believe that a fraudulent account ( s ) have been opened under my name. I have received several emails from Wells Fargo over the past couple of years to proved this. The emails have been coming to me on a fairly regular basis, which includes as recent as this year, 2016. I have attached a copy of one such email that I was able to retrieve. The emails have been coming from varies different senders within the organization. Since I do not know what type of account the email is referring to, I will place it under " Other bank product/Service ''. The email address the messages were sent to over the past few years is : XXXXXXXXXXXX.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WV)

Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether one will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. 
During a recent research into my credit files, it had been revealed that the credit bureaus reported a XXXX payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand One credit reporting agency stated that they are unable to accept a dispute regarding your credit score and can not advise you on how to improve your score and that the Adverse Key Factors will not be deleted from your credit report. This is inaccurate data and should be removed. I am disputing you reporting adverse key factors. I find your actions not to remove these adverse key factors totally absurd and totally inaccurate. 
Credit Bureaus appear to categorize accounts under specific Key Factors, derived from information reported by the credit bureaus. Customer being unable to determine what accounts are categorized under a particular key factor, has no chose but to dispute the reported key factor. For example which accounts are delinquent? If you find no delinquent accounts, then this key factor should not be reported to creditors nor should it be reflected on ones ' credit file. Research has revealed that the credit bureaus did not provide any data to support these adverse key factors or list accounts that have been labeled as an adverse key factor. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported back in 2012. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
Credit Bureaus stated that the customer must confirm that the credit information on your report is accurate regardless of the model used. These Adverse Key Factors not being deleted from credit reports are contradictory, because these comments are totally inaccurate.
Consumer complaint received 2017-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Lot of nothing. The problem with the response is that I had an open claim, which doctors forms shown he was terminally. And I was told since I already have open claim that would transfer from XXXX to XXXX XXXX. I had an open claim that should have paid the card off because XXXX XXXX known that it was be death and was listed if over 12 month, it would pay off card.
Consumer complaint received 2017-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC (VA)

I have been contacting/attempting to contact XXXX XXXX of Trans-world Systems Inc. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is  allowed to speak to me. I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims XXXX returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.
Consumer complaint received 2016-06-26
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

My mother passed away in XXXX 2015. Wells Fargo immediately contacted me regarding mortgage and what were my intentions regarding her estate. I told them I would like to sell the property. I had to go through probate. While going through probate I got a purchaser for a regular sale. All information I forwarded to WF. I could only talk to what they referred to as 'Reverse Mortgage Specialist '. I started receiving foreclosure notifications. Was told by the specialist to ignore them that I had to just keep the specialist informed of my intentions. They would ask for me to resend information that I had already sent. I finally asked the specialist where was the information I sent last month? I was told that the information was forwarded to another department and they were not aware of what the other department did with it. Every month I sent a letter asking for an extension or postponement and why. I even went to the Consumer Affairs foreclosure agency. They talked to them and sent letters on my behalf. I was at the end of escrow about to close ( all information I sent to WF along with paperwork ) and asked for one postponement so that I could make sure everything closed properly. This was XX/XX/XXXX, home was scheduled for sale on XXXX XXXX. On Friday XXXX XXXX WF sent me a letter thanking me for my patience saying that they were sorry for taking so long to get back to me but, they had denied my short sale due to the appraiser could n't gain access. I had a regular sale and the house had already been appraised. Well, on Monday XXXX XXXX my mothers/family home of 40 years was sold at auction, to the surprise of everyone. it was purchased at auction for just {$1000.00} more than what my sale price was. 
Now, all anyone can say is sorry! I have been served with eviction notices but, am still here. 
I will not give up my family home without a fight. The home sold to a big corporation. I have hired a lawyer to see if sale can be rescinded. I know it 's next to impossible in California but, I will continue the fight. This has got to be stopped. I 'm going to all government agencies, everywhere. I called HUD and was told in reverse mortgages the heir has up until a year to acquire property. I did n't get a year. At the end of 6 months I was given postponements not 90 day extensions. Wells Fargo was wrong and be held accountable for its wrongful acts.