davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I sent a letter dated XX/XX/2022 to Equifax, XXXX and XXXX detailing the furnishing of inaccurate information listed on my credit report ; including an incorrect address, accounts more than 7 years old, and unverified accounts. 

My letter further explains how I reached out to each creditor listed on my report and requested within 30 days of receiving my letter they verify, through documentation that I am responsible for the accounts they are falsely reporting. As of XX/XX/2022 I have not received any verification from any creditor. 

The letter request that these items be investigated and removed, as of today 's date XX/XX/2022 no action has been taken in regards to updating my credit report by any of these reporting agencies.
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

To Whom I t May Con cern, I am writing to this office becaus e two years ago I discovered that my mother had taken out a private student loan in my name   through   XXXX   XXXX   more than 10 years ago. It was a {$5000.00} loan that has ballooned to almost {$20000.00} now. This is the ONLY private loan on my record because I was always diligent to never take out a private loan because of their high interest rates.     My loan has been repeatedly sold to different collection agencies and I constantly explain to them over and over what happened. Each agent would advise me to get a police record but I did not want to do that for several reasons :  1. The statue of limitations 2. It 's my mother 3. My  mother was diagnosed with  XXXX   XXXX  in  XXXX  and can not be held liable for anything. Unfortunately to make it even worse she just passed away in   XXXX   XXXX  .     I want to get this off of my record and I want these  collectors to  stop calling me but I do n't know what to do.I filed a Chapter  XXXX  bankruptcy in   XXXX  . I think Navient now holds this loan. I would employ a lawyer but I ca n't affor d one. Can  someone from this office help me?
Consumer complaint received 2016-08-25
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Bureaus, Inc. (IA)

I spoke with the collection agency person named XXXX XXXX and she was completely abusive and unwilling to work with me on anything. Told me she pulled my credit report and she proceeded to tell me that I was current with all other payments, which I was not. When I asked if I could make a payment arrangement she said, " You have NO money! How do you want to make a payment arrangement?! '' Told me to " borrow money from your mom ''. I repeatedly asked her if I was able to make a payment arrangement and she gave me no choice but to pay the amount in full. I told her I could not do that and she responded with " I 'll just send this back to the company saying you are refusing to pay this! '' Which I was not. I repeated multiple times that I was not refusing to pay it. When I told her that I could set up a payment arrangement she laughed at the amount I gave her that I was willing to pay. She then hung up on me. I sincerely hope that the call was recorded because she was completely inappropriate and unwilling to make any arrangement. I hope this is not how the company conducts their business.
Consumer complaint received 2016-08-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I reported this issue before and Bank of America enterprise department denied my claim. I am sending this out again, with an official stamped police report regarding my claim. Within the month of XXXX 2014 my wallet was lost/stolen, someone used my card to access my bank and deposited a fraudulent check. Took money out and everything else and used up my account til flagged by bank of america. I was denied a few times when I put in for a dispute, and I am writing this again because I 've sent the bank an official police report that was submitted by the officer who took my report.
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc. (LA)

I have been in contact with this company on multiple occasions in regards to listed accounts being reported to the credit bureaus under my name. Acct #  XXXX ,  XXXX ,  XXXX , and  XXXX . This company claims i owe them money for these unpaid accounts, but has not been able to verify that these accounts belong to me. I have asked for validation and i have received a billing summary. As per the FCRA article 609 section B, validation must include an original signature from myself stating that i am the owner of these accounts. A billing summary is not verification and does not include my original signature. This company has claimed that they have verified my address, however i am not nor have i been affiliated with the address listed on these accounts and i have called all  XXXX  credit bureaus to confirm this information. I have been a victim of identity theft and all  XXXX  credit bureaus has a copy of the report on file. I am requesting that this company remove these accounts from my credit file or prove to me that these are my accounts. I have never been under contract with this company nor do i feel that i am under any obligation to pay for these unverified accounts. This is my last and final attempt to resolve this issue before i file suit against this company. Once this case is taken up in the court of law this company will have to provide all documentation that holds me accountable to paying these accounts. My credit and name is being tarnished by this company and i still have yet to receive proof or verification that these accounts belong to me.
Consumer complaint received 2022-09-17
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. (UT)

I am a natural living person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX Account # XXXX
Consumer complaint received 2016-08-26
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was granted a Credit line of XXXX from Bank of America XX/XX/XXXX. XX/XX/XXXX the 10 year borrowing period expired so I applied for a new line. After almost 3 months on XXXX/XXXX/XXXX my application was denied for a debt to loan ratio of 58 %. ( 54 % ) is the cutoff. I inquired as to where they got their figures and was told the monthly draws from my IRA accounts were based on the quarterly statement I had sent them. They added up the draws and divided by XXXX. In formed them I do n't draw every month and why did n't they use the annual draw from the XXXX 's ( XXXX ) I sent them ( XXXXand XXXX ). My credit score was XXXX out of XXXX. The existing mortgage is XXXX on a house appraised at XXXX. My social security is XXXX/mo. I usually draw XXXX from my Ira when needed. The balance of my Ira today is XXXX. If I ca n't get a loan with these figures, who can? I suspect age discrimination since I 'll be XXXX in XXXX. I do not want this denial to affect my excellent credit score.Thanks for any help you can provide
Consumer complaint received 2016-08-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

a judgement was placed against me and funds taken from my bank acct. when summoned to court, all funds where returned due to violation of FDCPA. judgement was not released at that time, i filed for revocation of judgement and it was satisfied. collector still reporting to credit bureau i owe twice as much.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CT)

On XX/XX/22 I submitted a payment in full using my credit unions online bill payment service to the XXXX XXXX by Marcus Sachs. The online bill payment system shows that a check was sent to MarcusXXXX XXXX and was scheduled to be paid by XX/XX/22. ( This was the due date on the bill from MarcusXXXX XXXX XXXX On XX/XX/22 the credit card company suspended card usage to my account claiming non payment and assessed a late fee and finance charge to my account. 

I contacted Marcus/XXXX numerous times to resolve the issue via phone and social media platforms. No one was able to resolve this issue to my satisfaction. 

MarcusXXXX claims that they could not find the payment in question and continued to restrict credit card usage. The check number, confirmation # and date of transaction were provided to MarcusXXXX on numerous occasions. 

I do not want this reported on my credit report as a late payment due to malfeasance on the part go MarcusXXXX credit cards.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened  a HSBC  checking account with promotion {$350.00} opening bonus after complete following task, " Received at l east one qualifying direct deposit per month into your HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' ( Exact copy from terms  ) In fact, I completed required direct deposit activities, but do NOT get my {$350.00} opening bonus, even after talk with banker as they still insist I do n't completed required activities.      Timeline  :  XXXX / XXXX / XXXX  Opening account  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit
Consumer complaint received 2017-04-25
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. (NC)

I wrote all  XXXX  credit bureaus notifying them of an error on my credit report that if not removed will cause me to pay a much higher interest rate on a mortgage I am desperately needing.    XXXX  wrote back and said there was an issue with my Identification documents, so I called them and answered their security questions and they said the would investigate and get back to me.   Meanwhile  XXXX  wrote me and removed the error.  XXXX  and Equifax have done nothing, my loan officer said they are still showing on my credit report. It is incorrect and I need it deleted and now I have only a week to get this done!   Please help!!
Consumer complaint received 2022-06-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (CA)

On XX/XX/2022 I submitted an Borrower Defense Claim against Student loans who were defrauded by XXXX XXXX. It has been known that President Joe Biden has cancelled loans from anyone who attended XXXX Its now XX/XX/2022 and still no response and Federal student loans are still on my consumer report.
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX - XXXX XXXX  # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NE)

Freedom mortgage received double payments on my monthly loan. When I realized what was going on I asked them to stop pulling payments as I had payments already pulled for my loan. I asked for the additional payments to be refunded back to me. The customer complaints escalation team confirms 3 bi-weekly payments were duplicated. However each time I call in - NO one will give me a number to call them back and NOONE has a direct line or an extension for me to call back to. Each time I have called I speak with anyone new. each time we have the same conversation ... they want to only reimb me 1 payment. Each time it always concludes with yes they owe for 3 bi-weekly payments and that the money will be mailed. I wait, after NO refund -I call back in and start the complaint all over again. NO notes are placed in my file, No one that I talk to has a direct line or even an extension for me to call. They all promise to expedite the refund, but no payment is recieved. I started this process on XXXX XXXX! on XXXX XXXX I was given only a portion of the full refund owed me. Again when I called, I was told they first show no refund, then they will pay one and then this last time they need my XXXX payment in full before they can reimburse the " additional " payment that has been on my account since XXXX. I feel I have been patient long enough. I also feel that if I were late on my payments I would be charged interest and a late fee! My bill stated if my payment is not received by a certain date I will be assessed a {$42.00} late fee. I now think they should pay me interest as well as a late fee for the days I have waited for my refund.
Consumer complaint received 2020-10-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$7300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account.
Consumer complaint received 2020-10-23
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. (FL)

I check my credit with XXXX. I was very upset. there are Accounts that I did not Authorize I don't understand how this is Possible I work very hard. I'm a single Mother with XXXX Kids That I have to support Making sure that I create a good life for them. I want to be able to purchase a New Home for them, as I begin to start my process I Decided to check my credit, this is when I notice that I have been a victim of Identity Theft. 
I would like this Matter to be resolve, and have these items removed from my credit
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (MA)

I am applying for a modification with Caliber Home Loans. I have submitted all required documents. But they have not postponed the foreclosure sale scheduled for XXXX XXXX. I am really worried they will foreclose and I will lose my home before there is a chance to review my application. 

I have worked real hard to get everything in, even though there have been delays caused by Caliber. Every time I send something it takes them up to 5 days to even confirm if they received the documents. Sometimes they reject documents without any good reason. For example I sent a XXXX page fax on XXXX XXXX. I am attaching the fax confirmation page. I paid to send it from the XXXX store. The worker sending the fax noticed that one of the pages did not go through right. So she put that page at the end of the fax to make sure it got through clearly. Caliber said they did receive the fax, but because that page was on the end of the package instead of in the middle, they rejected the whole thing. Since it had taken a few days for Caliber to process and inform me they were rejecting the package, this caused a delay. I then had to re-send the whole package. Another time before that I sent an XXXX form and XXXX along with bank statements, XXXX forms, and other documents. Caliber rejected the whole thing because I had not faxed a page that was attached to the original form that had a " notice to borrowers '' but did not ask for any information from me. So I had to re-send all of that, again after several days of delay while I waited for Caliber to process the documents and then let me know they could not find those pages. 

This is even more frustrating because earlier this year Caliber illegally foreclosed on my home. I made a complaint with CFPB ( complaint XXXX ) about how they broke FHA loss mitigation rules, failed to respond to the modification application I submitted through a HUD certified counseling agency, etc.
Consumer complaint received 2016-08-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I had no intention of going to College and feel like I was forced into taking out loans by the recruitment staff at XXXX. I did n't know at the time that the amount of the loans was so much more than other colleges. While attending, I started to realize that I had made a mistake by going there and realized that most of the staff was underqualified. By the time I decided that I wanted to leave, I already owed around $ XXXX and I was n't even going to get a degree if I decided to finish. They were only offering a certificate of completion at the time. This did n't seem fair to me and now my loans are all defaulted and I have no intention of paying them. I feel like I 'm not the only one in this boat and I need help trying to get this resolved. These people really took advantage of me and they are still doing this to people. I had no intention of going to college, so I had n't done any shopping around. They got their hooks in me and before I knew it I was out $ XXXX with nothing to show for it. Please help!
Consumer complaint received 2016-08-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CT)

I have a mortgage serviced by CitiMortgage Inc., account number XXXX. They have sent me a XXXX page letter explaining that they need to raise the monthly escrow payment about {$42.00} per month or {$500.00} per year. BUT NOWHERE DO THEY EXPLAIN HOW THEY CALCULATED THE " Expense Increase ''. My mortgage escrow is for taxes only. Taxes are collected in XXXX and XXXX. The XXXX payment and the XXXX payment are the same ( within one penny ). The XXXX payment was {$5600.00}, and I reckon the XXXX payment will be no more that {$5600.00}. Last year 's XXXX bill was XXXX, so there was an annual increase of about {$300.00} between XXXX and XXXX. The stated Low Point in XXXX was {$1400.00}! And they collect {$930.00} each month. If you escrow the tax payment ( {$5600.00} x XXXX / XXXX ), it equals {$940.00} per month, not the {$960.00} that Citimortgage is demanding. Moreover there will be over a {$1000.00} or XXXX % surplus in the mortgage account. Please investigate this unlawful practice. Where does it say that I have to have two month 's reserve at all times? In another place in the XXXX page form, they say that the miscalculation between XXXX XXXX and XXXX XXXX was only {$120.00} not {$390.00}. I do n't need pages of explanation. I need hard facts as to why they think the taxing authority is going to raise taxes in XXXX XXXX that would equal a XXXX % increase from XXXX taxes. Please help. I have no legal recourse except through you.
Consumer complaint received 2022-06-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MI)

In applying for a refi on my current home a lien comes up on my record. The mortgage holder is no longer in business and I'm getting the runaround from contacts listed as who to contact (XX/XX/XXXX ). I need this lien removed so I can proceed with my refi, I just need to know who has it and how I can address it. Below is a copy of a cover letter which was sent to PNC XXXX XX/XX/XXXX. Responses came back to me saying no lien info was available. 

Here is the letter sent-minus the referenced exhibit attachments : To whom it may concern, On XX/XX/XXXX, we purchased our current home at XXXX XXXX XXXX, XXXX, Michigan, XXXX. We borrowed {$300000.00} on the first mortgage and {$75000.00} on the second mortgage, financing was through XXXX XXXX, a Division of XX/XX/XXXX XXXX XX/XX/XXXX ( Exhibit A-copies of both mortgages attached. ) In XX/XX/XXXX, both mortgages were transferred to XXXX XXXX XXXX XXXX ( Exhibit B-copies of both assignments attached. ) On or about XX/XX/XXXX, the first mortgage was assigned from XXXX XXXX XXXX XXXX to PNC Bank, a XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Exhibit C-copy of assignment attached. ) We have only been making one mortgage payment to XXXX XXXX XXXX. Our current mortgage statement balance leads us to believe that at some point the second mortgage was combined with the first mortgage ; however, both liens are still appearing on our title. See attached Exhibit D- copy of current mortgage statement AND attached Exhibit E- page from our title work reflecting two liens. 

We are trying to refinance our home and need documentation to support the second lien is not in place. We are requesting any and all documentation regarding the transferring of our loans from XXXX and XXXX. In addition, requesting any documents or activity between XXXX and XXXX that would have resulted in the second lien being dissolved or combined into the first.