davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Consumer complaint received 2022-11-04
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: Experian Information Solutions Inc. (FL)

I, as consumer, without aid of credit repair organization, am writing to dispute any and all information that appears on investigation results of Consumer Report Number XXXX. 

The Experian consumer report evidence the inducement of a hardship as an unfair, deceptive and abusive practice. 

EXPERIAN is hereby directed to delete any and all personal information and highly restricted personal information as defined at 18 U.S. Code 2725 and account information in compliance to 12 CFR 1016.15 ( a ) ( 1 ) as this revocation of any and all consent and direct EXPERIAN to cease and desist, as right to opt out, unauthorized use of personal information and any and all negative information as compliance to : 1. 15 USC 1681 ( a ) ( 4 ) right of privacy ; 2. 15 U.S.C. 1681b ( a ) ( 2 ) and 3. 15 U.S. Code 6801 - Protection of nonpublic personal information 4. 15 U.S. Code 6802 ( e ) ( 2 ) - Obligations with respect to disclosures of personal information Failure to comply and provide notice of deletion within 48 hours will result in escalation to regulatory agencies and possible legal action for damages violation Fair Credit Reporting Act and 15 U.S.C. 1611.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

The credit reporting company Equifax is totally and completely incompetent. Three months ago I could not log into my account with them and spend two hours on the phone correcting the issue. Now three months later I once again and locked out of my account. It has taken two days on the phone for hours to finally speak to a representative.

They now want to to mail them an ID to be able to allow me to log in my account. What is wrong with this company. Typically one can reset a password but this company is totally unable to deal with deal as seen in the leak of millions of citizens credit data last year. 

Equifax really needs to have fundamental change if not outright takeover of their operations since they clearly can not successfully accomplish the task of credit reporting. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
Consumer complaint received 2022-11-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Dave Operating, LLC (CA)

This company has continued to view my bank information although I have informed them they have no right or authority. I have asked several times to disconnect my bank account and was told the only way they would is if I request another loan. I wrote support XX/XX/XXXX, as well as XX/XX/2022 and management has continued to neglect my emails failing to respond back. I have spoke with XXXX, XXXX and XXXX. XXXX is where my problem began. She told me she can not help me unless I wanted to borrow more money. 
XXXX has confirmed they do not work with my bank, and I informed the company I would like them to stop attempting the verification. The agents on chat has been instructed to give me a rebuttal script and continue to acknowledge my requests.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXX XXXX call approximately three times a week to collect a debt that is not mine. My middle name and date of birth do not match what they have on file, and I spent an hour on the phone with them, waiting to connect to Bank of America ( originator of supposed debt ). I provided Bank of America with important pieces of information, such as current and previous addresses, date of birth, and employer, and they were unable to match me to the account in question, all the while the representative from XXXX listened. I have never held an account with Bank of America. 

I work in XXXX, and if my employer were to discover that a debt collector is pursuing a collection my employment would be at risk - for a debt which is not mine. My next steps pending no action from this complaint will be to file a complaint within the NY Court System. I can not understate the emotional duress this is causing me.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (FL)

I am a victim of fraud and the amount is over {$500.00}. 
I have repeatedly tried to resolve this issue with Direct Express and am getting nowhere. They're giving me the run around and have lied about having the wrong address for my dispute form, claiming they've sent it but I've only received my bank statements so how is the address wrong when mail has been received? 
They asked me to take photos of the disputed transactions and send them via email which i did and was denied and won't btell me why. 
I'm a XXXX veteran with health problems to include XXXX. I was in a XXXX  XXXX  for veterans for 3 months and am now getting put in the hospital for a week for 24 hours a day tests on my XXXX  XXXX. 
I am tired of the nonsense from Direct Express so I've had to change banks starting in XXXX. I can not XXXX because of XXXX and had to go to XXXX   XXXX  to eat because my money was stolen. 
I can only imagine how many XXXX Vets they take advantage of. 
They are liars and use stall tactics in the hopes that Vets like me will give up. 
Unethical. Immoral. Disgusting. 
They have all my data and keep stalling.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

In XX/XX/XXXX my mortgage was purchased from XXXX XXXX, and transfered to XXXX XXXX or a subsidary, LoanCare. I have had many difficulties with the new loan servicer, specifically, a misallocation of payments. I attempted to make biweekly payments. However, payments were made to principle, and not the actual mortgate payment. This resulted initially in a late penalty, and significant inconvenience. I spoke with LoanCare on XX/XX/XXXX. The representative said that as I was a previous XXXX XXXX customer, I would be allowed to make biweekly payments and reported making a " note '' in the file. This was not the case and other payments were misallocated. I was required to contact LoanCare regularly to have payments correctly allocated. On XX/XX/XXXX, I spoke with " XXXX '' to again address the misallocation of payments. " XXXX '' stated that the payment would be reallocated to my actual mortage payment, and she too would make a note in my file. The funds were simply reallocated to the principle and not the actual mortgage payment. On XX/XX/XXXX, I again called to address the misallocation of funds. I spoke with " XXXX '' who again reported that the payment would be reallocated to the mortgage payment. She also stated she would make a note in my file. She reported that a " code '' was absent that would have allowed partial payments. In short, my funds have been consistenly misallocated for months. I have never had this issue with any other loan servicer. I am very concerned that carelessness on the part of LoanCare will  lead to missed payments, late fees, etc. It appears that I am not the only dissatisfied customer. There are 628 reviews of LoanCare on XXXX. LoanCare holds a score 1.3 out 5. This is unacceptable. Having worked for CFPB in XX/XX/XXXX - XX/XX/XXXX, I am concerned that LoanCare may be violating financial regulations. And putting consumers are risk.
Consumer complaint received 2020-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a job offer for a company called XXXX XXXX ( https : XXXX ) on XX/XX/XXXX. XXXX XXXX, who is a HR Coordinator, contacted me to proceed and sent me an employment letter via E-mail XXXX. I found the job on XXXX.XXXX  conducted a job interview through XXXX XXXX  via XXXX. 

On XX/XX/XXXX I received checks from XXXX XXXX to purchase a remote work equipments. 
He asked me to deposit it on my bank account to purchase the equipments through one of their vendors. So I did so. 

On XX/XX/XXXX, XXXX asked me to send {$2400.00} to XXXX XXXX through XXXX on my Bank of America account. XXXX 's phone number is XXXX. 
I made the money transfer as he said. 

Finally I found out the information that the checks I have been sent are fake. I immediately contacted a customer support of Bank of America to stop the money transfer since it is still in the process. However they are not helpful to stop the transaction even though I am scammed. They told me that XXXX is an automatic transaction, therefore it can not be canceled. 

I think they should make an effort to stop it and protect their customers. 
They are not helpful to solve the problem before it is too late. 

I attached the conversations I had with XXXX XXXX and offer letter I have received.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

My home mortgage was sold to Lakeview Loan Servicing LLC.  I received an initial notification letter and request for home insurance information in XXXX, and a statement in XXXX. I did not receive an XXXX or XXXX statement despite many calls to rectify this lapse once I realized what was happening and was being charged a late fee. The late fee was waived after a call, but the statements are still very erratic in arriving before the date in which I would incur a late fee and often do not arrive at all. I have called multiple times and have sent a certified letter requesting all my correspondence to be sent via US mail. Recently, I called and spoke to a supervisor, XXXX XXXX, who informed me that my file was correct and that the statements are going out. I have spoken with the postal service on different occasions and have been monitoring the mail coming into the XXXX hub. My XXXX statement still has not arrived and is due on XX/XX/XXXX. I have asked to have the mail tracked as the postal service suggested but Lakeview will not do this. I am not having difficulty with the delivery of other mail. I believe this to be a problem with the loan servicing company and request assistance with getting regular monthly statements in a timely fashion ( before the payment is due ) by US mail. I do not want online statements and feel that they are trying to force into this because on every call they try to get me to take my statements online.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX IS MISTAKENLY REPORTING A DUPLICATE ACCOUNT ON MY CREDIT. I ONLY HAVE XXXX XXXX CREDIT CARD BUT EXPERIAN IS REPORTING A DUPLICATE WITH A BALANCE OF {$2900.00}. THIS IS COMPLETELY FALSE AND NEEDS TO BE RECITIFED RIGHT AWAY.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

Sunrise credit services call approximately three times a week to collect a debt that is not mine. My middle name and date of birth do not match what they have on file, and I spent an hour on the phone with them, waiting to connect to XXXX  XXXX XXXX ( originator of supposed debt ). I provided XXXX XXXX XXXX with important pieces of information, such as current and previous addresses, date of birth, and employer, and they were unable to match me to the account in question, all the while the representative from Sunrise listened. I have never held an account with XXXX  XXXX XXXX. 

I work in XXXX, and if my employer were to discover that a debt collector is pursuing a collection my employment would be at risk - for a debt which is not mine. My next steps pending no action from this complaint will be to file a complaint within the NY Court System. I can not understate the emotional duress this is causing me.
Consumer complaint received 2022-11-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I called Navient today trying to get my payments reduced. They only offered me an " interest only '' option of {$160.00} or a standard repayment of {$220.00}. At the end, they also offered to refinance my loan through another company. I've been paying on this loan for YEARS and still have many years to go. I feel as if I am being taken advantage for a loan I've had since XXXX. The payments are too high for me and navient is unwilling to offer affordable options. My original loan is {$10000.00} and my current balance is ~ {$20000.00}. The interest on the loan each month is {$160.00}. I am just a XXXX  XXXX XXXX with a XXXX XXXX XXXX child and husband trying to do the best I can. This company is ruthless, heartless, and selfish.
Consumer complaint received 2020-01-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I lost my job and was unemployed in late 2019 and Wells Fargo put me in the forebearance plan. Once I found employment I was told by Wells Fargo that I have to pay the entire late balance of the loan to avoid foreclosure. 

I can pay the monthly mortgage with no issue but can not pay the late balance to bring the mortgage current.
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (CA)

I received a letter from Progressive Management Systems stating a debt had been assigned to them XX/XX/20. I received it mid XXXX and in less than 30 days of receipt I sent a letter stating I dispute their claim. 

I sent them a letter in writing disputing their claim via certified mail the next day, well with in the 30 days of receipt. 

I just received a notice that it had been added to my credit report with XXXX. This debit is properly disputed and should not be reported as such as this is not correct info. 

The company has never called me and has not supplied any data in response to my letter before they decided to tarnish my reputation.
Consumer complaint received 2020-01-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

On aroundXX/XX/XXXX l returned the XXXX XXXX XXXX   XXXX that l purchase in Texas on XX/XX/XXXX as l was in process of Bankruptcy Chapter XXXX and Prestige approved the auto loan in which they was supposed to wait after my Bankruptcy Chapter XXXX and Judge discharged of XX/XX/XXXX. 
On XX/XX/XXXX l had major mechanical issues with vehicle and l was overcharged on purchase of vehicle and fraud auto purchase and loan with a high interest of 17 %. 
I respectfully requested that Prestige Financial Services pick up vehicle at XXXX XXXX XXXX, XXXX California with their third party vehicle recovery tow and vehicle was recovered with no issues. 
A vehicle inventory inspection was implemented with pictures and video for evidence for Federal government complaints case. 

Vehicle was returned to Prestige with no mechanical issues, etc. 

Since vehicle is returned to Prestige, there should be no Retaliation against me and been placed under collection to recover any remaining balance of {$17000.00} or any other amount after Prestige sells the vehicle in a auction.
Consumer complaint received 2020-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION (MD)

On XX/XX/2019, we ( XXXX  XXXX XXXX ) received a check from our customer and made a deposit onto our bank ( BB & T ) account with the correct checking account number on the endorsement at a Washington DC BB & T branch ( Mailcode : XXXX - Address : XXXX XXXX  XXXX XXXX XXXX, Washington, DC XXXX ). 

After the annual reconciliation, we found out that the check we deposited was not properly credited onto our BB & T Checking account. So we contacted our customer to send us a copy of the cancelled check, which later we received. With the image of cancelled check, we checked our BB & T Washington DC branch, the same branch where we made the deposit. However, Ms. XXXX XXXX XXXX ( Branch Banker Team Leader II ) said, because they destroyed the original deposited check after 45 days, they couldn't not help us. 

Since it's due to their error ( possibly credit to a different account ) and it's all digital, we don't understand why our BB & T couldn't further investigate and made a corrective actions.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (TN)

I was in a Chapter XXXX bankruptcy with payments being made timely. However, there was miscommunication with staff from my attorney 's office. I had met with the atty 2 weeks before a scheduled court date, but my understanding was that I did not have to appear at the hearing for XXXX. As I was not there, the hearing was rescheduled, but I was not notified of the rescheduled date a month later and the bankruptcy was dismissed. The bankruptcy was simply to hold off Caliber Home Loans from foreclosing. I had been a repayment modification and payments were being made, but received a default notice stating I was not following the plan - the information was not consistent with information on the automated system or website. Caliber immediately went to foreclosure and I once again entered Chapter XXXX to stop the foreclosure. 

This time, the bankruptcy was dismissed XX/XX/XXXX and I spoke with Caliber about loss mitigation as my income had increased substantially to see if that was an option - I was told it was. I received a packet at my home on XX/XX/XXXX, and had spoken with a represenative twice with the final call discussing financial information on XX/XX/XXXX and had received a loss mitigation package on XX/XX/XXXX. My bankruptcy atty had also received a packet at their office to forward to me on XX/XX/XXXX for loss mitigation. I submitted the packet on XX/XX/XXXX by fax as the system was no longer operational for me to upload documents. When checking the status again this morning XX/XX/XXXX to see if the process was started, I was still locked out. I was informed today by Caliber that there is a foreclosure date of XX/XX/XXXX ( confirmed with XXXX XXXX XXXX who are handling the foreclosure ). The representatives including a supervisor advised that Caliber had been in error in sending out the Loss Mitigation package as Caliber requires 37 full days to review a Loss Mitigation package once they confirm it is complete ( there is a review time for them to consider it complete ) before a foreclosure date. I argued that I had postmarked documents and emails with Caliber representatives and that there were only 40 calendar days from the date of the Chapter XXXX dismissal to the foreclosure date so in actuality it would never have been possible. I was advised they could reprimand the individuals who discussed loss mitigation and forwarded the documents to me and my bankruptcy attorney as there was never enough time for them to review, but there was nothing else they could do. I have no other option but to consider Chapter XXXX AGAIN or lose my home. It just so happens that in the last 3 years the property values for my area have almost quadrupled, but it is difficult to sell and find another home in the meantime due to the Chapter XXXX on my record.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have contacted Equifax atleast 7 times and have shown them that XXXX bank is falsely reporting things on my credit report. I have sent proof! 

I am writing to once again address the inaccurate reporting on my credit file regarding XXXX specific account with XXXX Bank with account number XXXX. Despite contacting your company on multiple occasions, this error has yet to be corrected. It is important to note that Equifax is the only credit bureau still reporting this erroneous account. 

I demand that this inaccurate account be deleted immediately. If this matter is not resolved promptly, I will have no choice but to escalate the situation by filing formal complaints with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX 

Additionally, it has come to my attention that XXXX Bank continues to alter payment dates on this account, which should raise significant concerns regarding the accuracy and legality of their reporting. This ongoing manipulation is unlawful, and XXXX failure to recognize this discrepancy only perpetuates the issue. 

Under consumer protection laws, all three credit bureaus are required to report accurate and consistent information. Should this error continue, I will explore legal action against Equifax for the undue stress and financial burden caused by this inaccurate reporting. 

I trust you will take this matter seriously and make the necessary corrections without further delay and delete this account!