davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
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: Kelsting Group, Inc. (GA)

Around XX/XX/XXXX, I filed a dispute with both XXXX and XXXX regarding account XXXX ( collector ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX CA, XXXX, ( XXXX ), amount has increased from {$370.00} to {$460.00}. The original owner company is XXXX XXXX XXXX XXXX. According to GA Law O.C.GA 10-4-213, the original owner company failed to notify occupant in writing of itemized list and sum due, which forfeited occupant 15 days of right to recover. Further, the original owner company failed to notify occupant of sale or disposal of items. I am the occupant and this is regarding my items in a storage unit. The account was placed on my credit report around XX/XX/XXXX and should not have been because original owner company did not comply with the GA law and I do not know how the last balance increased to {$370.00}.
Consumer complaint received 2023-06-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

I have made my payment on the XXXX XXXX XXXX XXXX I make my payments every two weeks. On the website it says as on today XX/XX/2023 I am 8 days late. I have contacted them yesterday or the day before saying I have paid on time and to fix it. They haven't replied to me nor have they fixed the issue. Every time I log in, the make a payment pops up. This is the 3rd time I am having issues with them. Last time was kinda fixed, but made me pay a fee ( late or reverse ) when it was their fault. Auto payment was on the first and they took the money out before. They said I changed the dated to the XXXX ( this was after the XXXX ), but that was because the auto pay was before the XXXX.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

My XXXX  XXXX recently updated their website and that appears to be when problems started. I have 2 different loan payments each month. One loan is at a lower rate and the other loan is at a higher 6.875 % rate. 

In XXXX of 2018, I submitted both my payments on the website as usual. On XX/XX/2018 I received an e-mail that my loan was past due. I called XXXX immediately. I waited on hold for 30 minutes before reaching the billing department. They first informed me that their system rejected my payment. Then they told me that it applied the loan payment incorrectly and paid it all to one loan instead of to each loan. The payments were applied to the lower interest loan, while the higher interest loan is left as past due and accruing interest. They said the issue would be resolved in 10-15 days. 

Today is XX/XX/XXXX and I just received an e-mail notification that my account is 22 days overdue. The issue is not resolved.
Consumer complaint received 2018-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I have met the following requirements on my mortgage : " PMI will automatically terminate on the earlier of the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I have made all payments on time. I have included extra amounts with almost every payment. There is absolutely no reason why my PMI is not automatically canceled as it states it should be on the government website. 

XXXX XXXX now tells me that I need to pay for an overpriced appraisal. I have a small house, valued at {$70000.00}, but they demand that I pay {$630.00} ( the same amount someone with a {$900000.00} loan has to pay and 50 % higher than if I could use a local appraiser ) in order to remove PMI. 

So is the government website not accurate? The lady who answered when I called XXXX XXXX said it was only a suggestion ... So much for protecting the American Consumer. She also told me that I could find the " correct '' rules on the XXXX XXXX website. I asked specifically where, but she couldn't answer, and I couldn't find it on their website. 

I have done everything required of me and I should not have to pay a ransom ( a year 's worth of paying PMI ) in order to get the PMI canceled. 

I've met my obligations. I'm basically being penalized because I made extra payments and have been a good customer.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (FL)

EQUIFAX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., EQUIFAXXXXX  an XXXX MY SOCIAL # XXXX to obtain my accounts In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent..

are all unauthorized an have no Permissible use.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once
Consumer complaint received 2023-06-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Inaccurate reporting to credit bureau. Everything must report accurately this way is grounds for deletion I paid car off and they added another late payment I owe nothing on car
Consumer complaint received 2023-06-09
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. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts/inquiries in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated these reporting accounts/inquiries as unverified information without providing any proof within the period allowed by law. The following accounts/inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : INACCURATE ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-06-09
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: NCB Management Services Inc. (NV)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-08-21
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. (MO)

I contacted Experian on XX/XX/18 to inform them that I consolidated my student loans with a new company. I disputed the innaccuracies reported out of spite by XXXX. Experian never followed up with a decision. I never received a response on the matter and XXXX has yet to stop reporting outdated information. At this point XXXX isn't sending updates and the outdated unconsolidated loans are on my credit report. So I have my student loans listed twice on my credit report because of Experian and XXXX.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MD)

In XX/XX/XXXX I scheduled a one time payment that would bring my account current. Days before that payment was due I received an email from the company stating that they were taking an amount which was not the amount that we agreed on so I emailed back saying do not take any payment from my account because that is not what we agreed on. Yet days later I found out that they took it anyway. When I notified my bank they fixed it and removed any overdraft fees. Now in XX/XX/XXXX I received a message from discover saying that they received my payment and they were thanking me. I immediately called them because I had never scheduled a payment with them. When I called the rep stated that they had signed me up for automatic payments and i let her know that I did not authorize that and due to me losing my job and being homeless I would not do that. She apologized and stated that she would cancel it I let her know that this was going to put my bank account in the negative and I didnt want that she said that there was nothing that she could do. I went into my bank and let them know that a transaction was probably going to come through that I did not authorize and they stated that they would keep an eye out for it. Well after days had passed I got an alert from my bank saying that my account was in the negative and I immediately knew why. I reached back out to my bank and she tried to file a claim but since it was rejected she said that she could not and that the credit card company would have to fix it which they refuse to do. I have spoken with them several times and I am getting nowhere. This all began with setting up a one time payment and discover taking it upon themselves to sign me up for autopay and now they will not fix this. After filing this claim I will be reaching out to any and every agency that I can to complain. I was even advised to reach out to them about a hardship program that they have for people that have fallen on hard times and they said that they dont have anything that can help my situation.
Consumer complaint received 2018-08-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/XXXX I used the XXXX app to send {$200.00} to my mother. Id used it before with no issues. My mother registered with XXXX so I added her as a contact. On the app, it said the money was sent to my mother and the transaction was completed. However, the last digit of her phone number was entered incorrectly, so the money was sent to someone else. 

I called Wells Fargo the same day to figure out why she didnt receive the money and they told me it was sent to an account with XXXX XXXX XXXX, which she does not have. When we realized the phone number was incorrect, I called Wells Fargo again to see what could be done. They filed a money movement claim, gave me a case ID number, and assured me they wanted to help me get my money back. 

However, on XX/XX/XXXX I got a letter stating the case was closed and there was nothing they could do. If Wells Fargo puts this service in their app to encourage customers to use it under the guise of it being safer than XXXX, why do they not protect the customers who use it? By offering it through their own app, they market it as something trustworthy and do not educate their customers about the potential risks or the fact that they can not help if something goes wrong. I expect my bank to protect me, especially when using one of its services ( the Wells Fargo App ), and instead am left wondering why they would partner up with a service that does not have customers best interests or safety in mind. 

Furthermore, the person who received my money must have also been a registered user already based on how quickly the money was transferred. ( It was not left pending, as it would have been if the user was not yet registered. ). Why didnt XXXX protect me and my money by checking that what I entered matched XXXX own records? They allow the contact to be saved with whatever name is entered by the sender. I feel like I was not informed that this was possible and assumed the information was correct because it saved with the right name. There is no step in place to protect the sender - even the confirmation step only shows the saved contacts name, not phone number, for final verification.
Consumer complaint received 2018-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I tried several times in XX/XX/XXXX-XX/XX/XXXX to open a checkings account, and to my acknowledge i was unable to open a bank account because they were previous accounts open up in my name, that i was unaware of. My identity was stolen in XX/XX/XXXX, but apparently many things were opened, received, and borrowed under my name. i requested a report from XXXX XXXX, and to my knowledge these accounts does not belong to me. Please help me
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (FL)

There is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My report to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$1200.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX balance {$520.00} Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened. 
XXXXXXXX XXXX XXXX XXXX Claims true identity fraud/account fraudulently opened
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (CA)

Consider this complaint as a follow-up to my previous complaint. My previous complaint contains disputed items that are erroneous and needed to be deleted as soon as feasible. 

Kindly remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I fell behind in XX/XX/2017 and caught up in XX/XX/XXXX/XX/XX/XXXX with my tax return. I began making {$600.00} payments ( half my scheduled payment ) every 2 weeks. My mortgage company is not applying these payments to my monthly payment. They allocate it differently every time. Sometimes they hold it until the receive the second payment and apply them correctly. Other times, they have refunded 2 checks to me and are now applying them to my escrow account. This is causing them to report my account as 3 months past due when in truth, I am only one month behind because of the two checks they refunded. This is negatively impacting my credit report
Consumer complaint received 2018-02-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (NY)

I am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help amicus curie before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and Selene Finance, are all involved in some manner in this fraud. XXXX and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by XXXX ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after XXXX fraudulently obtained standing and summary judgement. It appeared with the change of XXXX to Selene and was created for the sole purpose of backing XXXX 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to XXXX certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that XXXX and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not XXXX should allow the courts to prevent my home from being fraudulently foreclosed upon.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (AZ)

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX
Consumer complaint received 2018-08-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (SC)

I have made several attempts to speak with wells fargo on my student loans but they do nothing and refer me to other departments. They want to refinance all loans by reconsolidating but require 3 co-signers. I cant get a third cosigner. They will not work with me. They send you a resolution that is not achievable and you all accept it as good enough to close the complaint, yet nothing has changed and my variable interest rate loans continue to increase in payment size. I will not be able to pay the payments any longer because the payment amount just went up again.
Consumer complaint received 2017-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc. (GA)

I had an installment loan with Tower loans the original term was 15 months I paid the account in full on or around the XXXX XXXX XXXX 2017 and was told the account was paid in full and closed. On reviewing my credit reports through XXXX the XX/XX/XXXX the account was still reporting as open. I filed a dispute with XXXX and XXXX XXXX through XXXX XXXX who said that they investigated it and there was no change. I submitted a second time and on XX/XX/XXXX Tower Loans updated and said I have a balance of {$1400.00}. I called a local branch of Tower Loans spoke to the manager who told me that their corporate office submits the credit information and it may take them 90 days to do it. I asked for the number for the corporate office and he hung up on me.