davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
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. (CA)

In correspondence dated   XX/XX/XXXX    , I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2016-12-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

i have been trying to do a loan modification since XXXX my home was up for sale, i file bankruptcy to save my home i made the payments and the bankruptcy payment as well. in XXXX i end up in the hospital and could n't make my payment i file for a loan modification and after giving me the run around for a yr they said that i did n't qualified for a loan modification after submitting paper work and application for more them 6 times. the only help the can provide is a short sale.
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

Wire transfer recall with XXXX missing and the bank refused to refund or send a letter to explain the issue. 
XXXX is missing from my account after a recall. I spoke with different agents to refund the money to my account or send a letter to explain to me what is happen. I heard different stories from different agents. 
XXXX : she asked me for money to trace the missing amount. 
XXXX : she said we do not charge customers for traceability process an she helped me to submit the complaint XX/XX/XXXX to her XXXX and she provided me the case number XXXX. XXXX said they will contact me within XXXX hours I did not hear from them. 
XXXX : I called today XX/XX/XXXX. XXXX told that his XXXX told him that the case was submitted XX/XX/XXXX this is not true because XXXX did already XX/XX/XXXX. 
Please feel free to contact me if you need more informations.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

Update for OBM  XXXX   XXXX  I initiated a meeting with  XXXX  from  XXXX    XXXX   XXXX   months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2017  at  XXXX    XXXX   asking for a payoff amount. On  XXXX   XXXX ,  2017  my vehicle was repossessed. without warrant. I 'm pretty positive  XXXX  had something to so with this.  XXXX  told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting.   Her neglect has impacted my well-being. The   XXXX   in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked  XXXX  who her  Superior was and she refused to tell me, stating she did n't have one.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

1. I opened a mortgage, savings, and checking account with Bank of America in XXXX 2. At that time there were no fees for the accounts I opened. They were very simple accounts. 
3. At some point, I remember XXXX - they changed my accounts to a higher level but it carried fees 4. I called them about those fees and they said do n't worry, you 'll be covered. 
5. I paid off my mortgage in XXXX. Checking my accounts I find they charged me repeated fees in XXXX, XXXX, and XXXX. 
7. I called Bank of America to get those fees reversed because their representatives had told me the fees would not occur anymore. Spoke with XXXX ( Rep, no employee ID ) and XXXX ( Manager, employee number XXXX ). They were unwilling to reverse the fees so I asked to speak to XXXX 's boss - XXXX. 
8. I closed my accounts with Bank of America because I feel it is dishonest to charge for reason of an upcharged account I never asked for to begin with.
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XXXX XXXX XXXX, I contacted Capital One Auto Finance to inquire about receiving an extension on my auto loan. At that point it was due for the XXXX XXXX XXXX payment and I had a large medical bill that I had to cover that made making the payment difficult. I was approved for the extension ( attached ). I then made a payment on XXXX XXXX and have since made another payment on XXXX XXXX. <P/>I pulled my credit report and discovered that I was reported 30 days late for the XXXX XXXX payment ( which I received an extension on ). I called Capital One today, and even though they are reporting my account as current today, they argued that the 30 day CBR reporting ( submitted after my extension approval ) is valid. I requested to speak to a supervisor and when transferred to one, they argued with me as well. <P/>The whole purpose of getting an approved extension was to push off my 30 day reporting date. After all, I will be paying more interest on the extended payment. Its disingenuous of Capital One to approve an extension and charge additional interest but also report my payment as 30 days late anyway. Its also disingenuous for their representatives to argue with me about the validity of my CBR dispute, rather than simply provide me the address to submit a qualified written request.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I originally disputed a medical bill from XXXX that clearly did not belong to me. I have never heard of the hospital XXXX XXXX Hospital ( which is what shows as the original debt for {$160.00} ), and its is in a totally different state than I reside in. I have never been to nor have I received services from them I have never even traveled to the city that its located in. The entry was disputed and removed because it did not belong to me and could not be validated, on XX/XX/XXXX after checking my transunion credit report its appears as if it was illegally reinserted. I would like this removed immediately and not reported again to my transunion or and other credit bureau. This absolutely does not belong to me. The impact that this {$160.00} medical bill has had on my credit is detrimental and needs to be removed immediately.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NC)

XXXX XXXX XXXX is reporting a checking account from bank XXXX XXXX stating this checking account belongs to me. I have tried to dispute this information and so far EWS has refuse to do anything but give me the run around. I have fax my driver license and social security card with proof of address and still they have not provided me with the report nor have fix the incorrect information. This account does not belong to me. The last names do n't even match, my last name is XXXX.
Consumer complaint received 2017-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

On XX/XX/XXXX  this company received certified mail asking for validation of debt. On XX/XX/XXXX  the company still did not validate debt owed and they did not mark the debt disputed by   XX/XX/XXXX   through the major credit reporting bureaus. This is a violation of the FDCPA and FCRA. I did send a second letter which the company received on   XX/XX/XXXX  . A lady from the company called and talked to me about the debt on XX/XX/XXXX    but again did not have the credit bureaus mark the item as disputed. The company still violated the laws.  Section [ 15 U.S.C. 1681s-2 ] ( 3 )  duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed. ( B  ) ti me of notice! The notice required under sub paragraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section  603 ( p ).  This company violated the state laws. I received no information until XX/XX/XXXX . Therefore by law the company should have the item removed from the credit agencies such as transunion and  XXXX . I tried to call the company back about the laws that was broken and left my name no return call. The copy of my credit reports are below and as you can see the items was n't marked disputed.  XXXX  is marked disputed because on  XX/XX/XXXX  I myself disputed the information with the credit bureau. The lady stated they did n't receive my dispute letter until   XX/XX/XXXX    . Included is certified mail reciepts with date, time stamp, and signature of the person who signed for the certified mail on   XX/XX/XXXX     and   XX/XX/XXXX    . So again the company violated the laws and I have all the proof. If I have a contract with this company please send to me by mail a contract bearing my signature of the contract.
Consumer complaint received 2017-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

I made a payment through the companies website and they purposely mis-allocated. For example, I have 3 private loans and 1 federal loan with Navient. I made a single payment to cover my 3 private loans based on the amount they said was due and they used that money and applied it solely to the federal loan leaving the private loans unpaid causing my account to be late. In support, my private loans total approx $ 1k per month and my federal loan {$50.00} so they took the $ XXXX and applied all to federal in the form of a prepayment instead of covering loans due. Further more, this is not the first time this has happened!
Consumer complaint received 2017-07-13
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. (GA)

I purchased a vehicle on X/XX/17 at XXXX XXXX, however on my Equifax credit report I am showing that I have 12 hard inquires pulled that day. That makes a combination of 23 hard inquires total. I have called Equifax on XXXX X/X/17 and X/XX/17 in attempt to resolve this matter. I know my rights as a consumer when shopping for a vehicle or home that when my credit file is pulled many times within a 14-30 day window that those hard inquires are suppose to fall off or count as one inquiry. However on my credit report my fico it is reflecting a total of 23 inquires which 12 are from the XX/XX/XXXX- XX/XX/XXXX shopping period. These inquires have added a hardship by affecting my placing me in a high risk category for credit worthiness. I have been denied credit with reason specifically stating I was denied by having too many hard inquires on my credit file. I am being victimized and my requests are being ignored by Equifax. I am asking for help on this matter as I have failed to get a resolution many times myself.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2017 A computer glitch that was TransUnion 's problem - not mines - caused my inquiries to be deleted.However TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them being re-adding, I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added.These inquiries has added a hardship, My rights were violated by TransUnion. I am asking for your help with making TransUnion stop victimizing Me.I Ask for resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added Thank you
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I wanted to get foreign currency before a honeymoon trip from my bank Chase. The receipt did not provide insight into the amount -- in terms of fees and other costs -- that Chase was charging for the transaction. I requested {$350.00} USD in foreign currency. When I received the money I was surprised to realize that I was only getting about {$300.00} in the local currency. Chase pocketed approximately {$50.00} USD in fees! This was not a rush transaction, nor was there any special request. I asked why the fees they were charging were not clear. They said there was no way for them to do so. When I realized how much they were charging after the fact, I asked to cancel the transaction only to be told that I could not reverse the transaction without paying additional fees. I found this outrageous.
Consumer complaint received 2017-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (GA)

I have contacted both   XXXX  ,  Lexis Nexis  and   XXXX   and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither  one  done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way.  <P/> These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both  XXXX   Lexis Nexis , and  XXXX  that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the  USA?  This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.
Consumer complaint received 2016-11-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

There are multiple incorrect addresses on my credit reports ( for example - Experian has XXXX social security numbers that are not mine, and a host of addresses that are not mine. ) I have disputed with all three credit reporting agencies. They will also not let me dispute them any more even with proof of my current address and social security card!!!!!!! The only correct addresses are XXXX XXXX XXXX and XXXX XXXX The rest are inaccurate and reporting as such. I have asked for ways they have verified this information, and received nothing other than they investigated and found the addresses to be accurate. I just want the inaccurate socials and addresses removed!!!!
Consumer complaint received 2017-07-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (IL)

On or about XX/2017 I borrowed XXXX $ from Check and Go, I experienced a unforeseen problem. The Company Check and Go continues to call my employer with automated massages. Is this unlawful? I plan to pay my dept, but this is causing problems at my job.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I XXXX XXXX have been dealing with XXXX pertaining to a credit card account that is reporting incorrect/inaccurate information on my consumer credit report ( s ) across XXXX, XXXX & Equifax. This account was closed after XXXX and it is reporting late ( s ) for XX/XX/XXXX & XXXX XXXX XXXX & XXXX  day consecutively when this account is XXXX balance and it is not even open. Additionally, there is a XXXX  day late in XX/XX/XXXX when this account wasn't even open then as well it was closed in XXXX. I spoke with the company representative ( s ) and they are unable to locate the account and on top of it I received a letter from this corporation on XX/XX/XXXX/2024 that said that the account is correctly reporting to the account ending in XXXX that they said is incorrect and not from them the representative on the phone said they do not recognize the tone and context of the letter. This is a very frustrating experience over the last XXXX XXXX months dealing with this as not only is the creditor clueless to the details of the account they are reporting wrong information on XXXX credit bureau which is severely hurting my credit for the worse. My score has dropped over XXXX point ( s ) with the addition of these new wrong late ( s ) and the fact they told me they would look into this and remove these late ( s ) from XXXX, XXXX, XXXX & XXXX however, they can not find the account is frustrating and this financial institution holds on accountability. Reaching out to the CFPB is my last attempt to resolve this with the creditor as I am going to file a suit in my local court and litigate against the credit bureau ( s ) and the creditor as I have notified both of them about the violation ( s ) of their incorrect reporting in which they don't seem to care which has affected me financially and mentally. I am trying to acquire a home and this has severely dropped my score which has affected my personal relationship ( s ) and business relationship ( s ) with this wrong information contained on my consumer credit report.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bonneville Billing and Collections (ID)

I paid the debt I owed to the collection agency on XX/XX/2016. I called to inform them that the debt had been paid through the actual place I had accrued the debt. The debt company then informed me that they were already taking me to court in an attempt to collect this debt that I have already paid off. They said that they would settle with me for {$400.00} to pay for the legal fees. I told them that I would not pay any legal fees because my debt with them has been paid off. 
I have not received any notice regarding them taking this debt to court other than them telling me over the phone after I had already paid the debt in full. 
I feel that this has been very wrongfully dealt with.
Consumer complaint received 2017-08-16
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: CCS Financial Services, Inc. (MD)

On XX/XX/XXXX I sent a faxed copy of a XXXX letter to credit collection services to confirm dates of XXXX due to items from XXXX XXXX in MY report. I also reported then to BBB. On XX/XX/XXXX, u spoke with XXXX stating they received my document but nothing will be removed from my reports until a vehicle history report us submitted. My XXXX letter should be valid enough to confirm the dates of these accounts which they refuse to acknowledge. According to FCRA, if the validation if the accounts are not accurate they must be removed. Section 609 : : : validate nor verify. They refuse to do such.