davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AZ)

I would like to complain about the Equifax credit reporting agency unnecessarily perpetuating a dismissed Chapter XXXX bankruptcy public record beyond the standard 7-year reporting period used by XXXX and XXXX and outlined in the Fair Credit Reporting Act. 

My bankruptcy was filed on XXXX XXXX, XX/XX/2008 and has been removed from both my XXXX and XXXX credit reports. Equifax, however, refuses to remove this nearly nine year old record. 

In my reading of the Fair Credit Reporting Act, I can find no guidelines that substantiate this punitive measure. In fact, there is no specific mention of Chapter XXXX bankruptcy in XXXX of the FCRA. Therefore, I believe a dismissed Chapter XXXX bankruptcy to fall within the limitations of all other negative entries and should be removed after seven years. 

I claimed my bankruptcy as a direct result of my loss of employment during the XXXX recession. I have since rebuilt my finances and would like to move forward. The negative effect Equifax 's faulty reporting has had on my credit score, however, is preventing me from obtaining a mortgage to purchase a home and thereby realizing a milestone in my financial recovery. 

I have provided my Equifax dispute confirmation number and attached the dispute results document to this complaint. 

Thank you for your time, and I look forward to speaking further with you on this matter.
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had a credit card from Kohls Department store that was charged off. The amount owed that 's displaying on my recent credit report is untrue and inaccurate. XXXX different amounts due are be displayed. I never received any letters or notification that this account has been charged off and closed, including a large amount of past due that I 'm unaware of. I believe Kohls Department store purposely distorted the balance on their company 's behalf and now I have to suffer consequences that are untrue to me. I feel upset and in distraught and this balance due to not threaten me to have future occurrences hold me back from increasing my credit score.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On XXXX/XXXX/XXXX I became aware that Equifax had allowed their systems to be systematical hacked, and because of their incompetence my personal detail have been stolen. Equifax will not tell me what detail have been stolen, only that at least some of my details had been.
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (HI)

In XX/XX/2016 I entered into a contract to lease a new vehicle. I was informed by the finance Mgr at a meeting at the dealership that i would receive payment information from Kia finance in the mail. After several weeks of not hearing anything i returned to the Dealership and asked the Finance Mgr about the lack of info on the lease payments. His response was " do n't worry they will send the info ''. after several more weeks i again returned to the dealership and again inquired about the lack of info on the payments. Again i was told by the Mgr that sometimes it takes awhile and not to worry. 
A few weeks later I received a statement informing me that i was in arrears and they wanted two months payment and added a late charge of XXXX which they continue to do monthly I called the finance Co. ( XXXX ) and spoke with their Rep. I was informed that the charges were justified and i had to pay. When questioned about the lack of information necessary to make the payment they informed me that the dealership probably did n't submit the paperwork in a timely manor. 
From the day I received the first statement i have scheduled my bill pay service to pay the original amount of {$450.00} on the XXXX of the month which was and continues to be one day before being late. 
However, KIA finance company then takes my payment and applies it to what they consider a late payment making my payment short of the {$450.00} required and adding another late fee. 

I have made at least 4 calls to Kia Finance including speaking with supervisors to try to work this situation out only to be told to pay up. I have made every payment in a timely manor and will continue to do so.I have tried several calls to the dealership Finance Mgr and have been ignored and at this point do not know where to turn and am asking for your help in this matter
Consumer complaint received 2016-09-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

In XXXX 2016 I cancelled my Hazard Insurance with XXXX XXXX and placed it with XXXX XXXX. I received a refund check from XXXX of {$1300.00}, I wrote a check to Ditech on XXXX16 and it cleared my bank. On XXXX16 I received an Escrow Statement stating that my amount was going to inc- rease from {$190.00} to {$380.00} ( wow! ) I called XXXX on XXXX and again on XXXX and again on XXXX/XXXX/16 to tell them that I has canceled the old insurance and ( which they paid ) and had replaced it with new insurance ( Which they paid as well ) and that I had sent them a refund check which was not reflected on my Escrow Statement to this date the {$1300.00} is not reflected on my Escrow Statement. Ia have talked with the Insurance Dept, an the Escrow Department and ca n't seem to get this cleared up. In the mean time my payment has gone from {$440.00} a month to {$630.00} a month. I have a XXXX mortg. 
I live on Social Security and this seem a little much.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NV)

Chase XXXX XXXX card has fraudulent, deceptive, abusive, and obstructive dispute process for incorrect charges on credit card. 
1. It takes great effort to even find out where on pathetic website you can file a dispute. It is hidden under 'messages ' somewhere. 
2. After typing dispute, when clicking 'submit ', the web page, says " you have been signed out of your account '' rather than stating the dispute has been accepted. This is their way of blocking you from filing a dispute for a charge. 
3. It takes hours speaking to some high school drop out to dispute a charge by phone. 
4. Chase fraudulently removed credit for a disputed charge, 'the protection group ', despite that Chase never asked me for any documentation to corroborate that 'the protection group ' was billing me for services they never rendered. 
5. Again, there is a dispute with XXXX ' and after 30 minuntes finding and writing a dispute, the website says " you 've been signed out '' rather than accepting the dispute. The website is set to automatically sign you out of account instead of accepting any disputes. This constitutes consumer fraud.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (DE)

I started a refinance with Wells Fargo in XX/XX/XXXX. Everything was going good I was told in writing ( email ) that I was locked in a XXXX % for my interest rate. Long story short, week after week of checking in and making sure the refi was on track, I get a letter in the mail ( XX/XX/XXXX ) stating that my interest rate is XXXX % and my monthly payment is way more then what was discussed. I exhaust my resources with the local branch and turned to the National escalation team. Even the fact that I have it written that I was locked in at XXXX Wells Fargo is now telling me the best they can do is XXXX %. I talked it over with my local branch and they tell me with the rate at XXXX my payment would be XXXX, I was ok with that but XXXX min later I get an email saying that is not the case. So I call and now they say my payment will be XXXX. At this time XXXX XX/XX/2016 no one will return my phone calls. No one seems to be able to help me get the answers I need. There has been a lot of bait and switch with numbers and I feel like I do n't know which direction to go.
Consumer complaint received 2017-07-19
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. (GA)

Equifax keeps reporting falsely that I have bankruptcies in my public records and the XXXX XXXX is their information source. I have attached the results of my Equifax dispute with this false claim as well as my XXXX XXXX report with the contrary.
Consumer complaint received 2016-05-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I submitted a payment online for my Wells Fargo mortgage. When I submitted it, I accidentally selected the wrong account ( per Wells Fargo ). Therefore, it tried to take the payment out of a bank account that had insufficient funds. Instead of contacting me about the issue, they proceeded to attempt to take the payment out three times causing over {$90.00} in fees. After speaking to Wells Fargo, they told me there was nothing they could do about it. I told them I thought it was poor customer service to not contact the customer to tell them their payment did n't go through nor did their website allow me to view the payment once it was submitted. Had I been able to view it, I would have known it was coming out of the wrong account and would have deposited money into the account to avoid future fees. Their response was that they do n't have the time to call all of the customers that have Insufficient funds.
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Hello, I was a credit card customer of CapitalOne with a limit of {$500.00}. I left the USA XX/XX/XXXX as part of my completion of assignment and kept no dues in that account. I have never used that card again and the last e-statement I received on XX/XX/XXXX showed {$0.00} dues. Recently I received an e-mail from CapitalOne to notify me of suspicious purchases from that account. I immediately contacted them ( On XX/XX/XXXX ) from XXXX where I am working now and after due verification of my identity over phone they accepted my request to close that account and initiate an inquiry. They informed me that I am not required to pay the amount. 

They started sending me e-mails to pay the dues but I ignored them as I am not responsible for those purchases. Now I am frequently receiving reminders to pay amounts that is increasing month by month. I request your office 's intervention in this matter as the money they are demanding is increasing each time.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

CFPB Complaint Template Requesting Deletion Your Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX Complaint Details : I. Type of Complaint : XXXX XXXX XXXX XXXX. Company Name : [ Credit Bureau Name ] ( e.g., XXXX, Experian ) XXXX. Account Information : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX Summary of the Complaint : I am writing to address significant inaccuracies in my credit report for the account above. These errors have severely impacted my ability to obtain credit, loans, and favorable interest rates, violating my rights under the Fair Credit Reporting Act ( FCRA ). Notably, XXXX has already removed this account from its credit report due to these inaccuracies and discrepancies. 

Discrepancies : XXXX. Account Status : XXXX : Closed Experian : Paid XXXX. Date Opened : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. XXXX XXXX : XXXX : XXXX Experian : XXXX XXXX XXXX XXXX Date Last Active : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX These discrepancies hinder my access to fair credit opportunities. 

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i : Requires consumer reporting agencies to conduct a reasonable investigation of disputed information. The inaccuracies in my report demand urgent correction.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g : Ensures consumers have the right to an accurate credit report. The current discrepancies violate this right and hinder my ability to obtain credit.

3. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : Prohibits false or misleading representations in connection with the collection of a debt. Reporting inaccurate information can be considered a violation.

4. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5481 : Aims to promote fair, transparent, and competitive markets for consumer financial products and services. Inaccurate reporting undermines this objective.

5. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 : Requires clear disclosure of credit terms to ensure consumers can make informed decisions. Inaccurate credit reporting affects these disclosures.

Desired Resolution : I request the removal of this account from my credit report. Attached are a screenshot of my credit report and proof of XXXX removing this account for your reference. 

Attachments : Screenshot of my credit report Screenshot proof of XXXX removing this account Thank you for your prompt attention to this matter.
Consumer complaint received 2017-01-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WI)

I RESIDE IN WISCONSIN ; XXXX COUNTY. FREEDOM MORTGAGE IS REFUSING TO PAY MY XXXX PROPERTY TAX PAYMENT ON TIME. THE FUNDS HAVE BEEN PLACED IN ESCROW OVER THE COURSE OF THE YEAR AND FREEDOM MORTGAGE IS REFUSING TO RELEASE THE FUNDS TO ME OR THE TOWNSHIP WHERE I RESIDE. I WAS TOLD IN XXXX THAT THE TAX CHECK WOULD BE SENT IN THE MAIL DIRECTLY TO THE TOWNSHIP ON THE DUE DATE OF XXXX. ON XXXX MY WIFE WAS TOLD BY A FREEDOM MORTGAGE REPRESENTATIVE THAT THE PAYMENT SHOULD HAVE BEEN MADE BY XXXX. FREEDOM MORTGAGE IS NOW STATING THAT THEY NEED TO INVESTIGATE WHY THE TAXES WERE NOT PAID BY XXXX AND SAID INVESTIGATION WILL BE COMPLETED ON XXXX. FREEDOM MORTGAGE IS STATING THEY WILL PAY THE ADDITIONAL LATE FEES AND OR PENALTIES ASSOCIATED WITH THE LATE TAX PAYMENT. THE LATE TAX PAYMENT WILL HAVE A NEGATIVE AFFECT ON MY WIFE AND I CREDIT SCORE/RATING. PLEASE HELP.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I discovered erroneous entries on my credit report that fall under 15 USC 16c-2. This information is inaccurate and damaging my credit profile. The inquiries were not approved by me.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Management Solutions, LLC (MD)

FinancialreturnedThis is my 3rd complaint against this particular Collection Agency. First, the Collection Agency called my personal cell phone about the debt and threatened to ruin my credit if I did n't agree to attempt to resolve the debt, even though I denied the debt being mine. Secondly, the Collection Agency did not send me a Dunning Letter the required 5 days after contacting me by phone, but placed the collection on my credit files, which is in fact a violation of FDCPA. Only after I disputed the validity of the collection, did the Collection Agency attempt to " Partially '' validate the debt. I disputed the validity of the debt a second time and the Collection Agency attempted to " Partially '' validate the debt, sending paperwork duplicate to their first response. The Collection Agency also stated in their letter that they would simply refuse to validate this debt any further. I attempted on a third occasion to have the Collection Agency validate the debt in its entirety by sending them a Validation Letter by CERTIFIED Mail, Tracking No. XXXX, by which the mail was returned to me stating that it was not deliverable and unable to forward. Yet, I sent this Certified Mail to the address on the Collection Agencies Letterhead. The Collection Agency, being Financial Management Solutions has also REPEATEDLY placed Documented ( HARD PULL ) Inquiries, one of which FALSELY STATES that I 've recently applied for credit for an Installment Loan, on my Credit File which negatively affects my Credit Score, which is exactly what Financial Management Solutions explained that they would do. The Collection Agency also continued to Negatively report to the Credit Bureaus while the debt in question was under dispute. Financial Management Solutions, continues to report negatively on my credit files, even though they have stated that they are No Longer handling this particular collection.
Consumer complaint received 2017-03-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC. (DE)

NVR INC, - XXXX. The sales and marketing folks located within the XXXX who are in some cases liscensed Real Estate Agents are not liscences mortgage loan brokers or originators. The Sales Rep quoted my wife and I mortgage interest rates, closing costs, financed MI, FHA premiums and monthly MI. They even estimated our interest rate without knowing our credit. In this case we ended up buying in a community that had a tax pilot. The Tax pilot was completely misrepresented in our Mortgage payment provided by our sales rep. They required us to use their lender by threatening contractually to raise our purchase price and to take away closing assistance provided to us by utilizing their NVRM company. We never wanted to use this mortgage company but they make it impossible to use another lender when they will make you pay almost XXXX more for not using them. There is no negotiation when it comes to this. Lastly, we are required to meet with their mortgage company, but that does n't happen timely and our attorney review period is over. The estimates being provided by the sales team do not even come close to what was shown to us by our lender. We were grossly misrepresented from the taxes, interest rates, FHA premiums etc. A complete bait and switch. The sales rep was using mortgage payment to encourage us to buy. On our estimate they even wrote, this is what your payment will " feel '' like after energy savings and tax benefits. I 've come to also learn that they are not accountants and the projected savings are just a tactic used to get you to buy. Watch out. this is scary stuff. We visited several other builders. None of them offered these financing options while buying ... very weird and sketchy
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MA)

Several aspects to report : 1. I asked Equifax for my annual credit report through annual credit report website. Sent copies of my social and lease along. Got a letter from Equifax later, asking my copies again, and MY NAME WAS SPELLED WRONG on the letter. 

2. I sent the copies to Equifax again. Waited for more than two weeks. NO RESPONSE. 

3. I called Equifax, reporting the fact that I have n't received my annual report, and I found the wrong information regarding my name and a collection. XXXX, the agent, told me that their system was down and asked me to call back at XXXX. She promised they 'll be available until XXXX. I called at XXXX, only found out the operation time is XXXX to XXXX. Obviously, SHE LIED. 

I had the most horrible experience with Equifax. I ca n't believe they have the access to my personal and financial information. I hope there 's a way that I could stop dealing with this unprofessional and unethical company.
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Someone within Navy Federal Credit Union has been allowing unauthorized individuals to access my personal accounts. These persons have no judgments or liens but persisted to access my account within their security department. This has harmed my credit worthiness and it also almost put a strain on my finances as the individuals in the " back office '' as they call it were pretending to be my account manager and disabling my accounts, manipulating transactions so they take out funds too soon, or not soon enough. Sometimes even posting transactions days later or posting {$1.00} transactions when it really is a {$40.00} transaction. They even teamed up with XXXX XXXX after XXXX XXXX withdrew {$2000.00} without my consent and without my authorization to my mothers account whom I was n't a signer on and neither was she a signer on my accounts. This caused a huge banking error that took two months to clear up at which time the funds were finally placed in the Navy Federal account. Navy Federal has never been as traditional banks and do these types of deceptive business banking practices which leads me to believe that their security team has been breached and my credit and account information was being compromised. They refused to allow me to place funds in my account via mobile banking when it was very imperative that I deposit these funds. They allowed a fraudulent garnishment to be placed on my account for a year before the company requested them to remove it. Navy Federal has failed to be an adequate bank as I have had the account since 2002. This bank seems predatory and unfair in their business practices. I requested the name of the person who claimed to be " my account manager '' as they put it, and placed a permanent no mobile deposit on this account, all because of XXXX error. This bank allowed security breaches and at times I felt I was speaking to people who had criminal records. They mysteriously claimed to check my credit and no judgement was there yet a garnishment mysteriously showed up on my account at which time as stated before it was removed. They claimed also that I had a money market account that charged off with a XXXX balance and for no reason. I believe they were doing what XXXX XXXX was doing and XXXX XXXX. Conducting fraudulence while not letting me utilize my account.
Consumer complaint received 2023-08-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

The Wells Fargo website offers services that Wells Fargo has no intention of providing to its customers. 

I have had a Wells Fargo checking account for over twenty years. On XX/XX/2023 I used Wells Fargo online banking to make many attempts at opening a savings account. I tried to do this with both XXXX and XXXX. Regrettably, none of my attempts were successful. 

When I telephoned Wells Fargo about this bug, several Wells Fargo reps stated that Wells Fargo is unable to troubleshoot its website. After several telephone calls to Wells Fargo, my issue was finally escalated to the Executive Office on XX/XX/XXXX. 

As of XX/XX/XXXX, my case has not been assigned to a Case Specialist. Wells Fargo has stated that I will have to wait until XX/XX/XXXX before further action is taken on my case. This is unacceptable.