davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (FL)

Someone stole our debit card number and more than {$7000.00}. out of our BB & T bank account. My husband had the card in his possession, but when he used it, it must 've been copied or however criminals do it. I made a claim with the fraud department at BB & T bank and also a police report at the XXXX XXXX XXXX XXXX. I was then in a letter denied by BB & T for the return of our money. All of BB & T workers at the XXXX, Florida branch do not know policy and give you a complete runaround.
Consumer complaint received 2016-09-13
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BB&T CORPORATION (VA)

This is pretty simple. Our daughter shared an E-Z Pass account with us, and paid us monthly for her usage. Easiest way to do this was for her to transfer the amount from her credit union account to our bank account, and we both set up our accounts to allow such transfers. ( As an aside, we also pay bills by transferring funds to the power company, the landlord, the phone company, etc., through the same bank checking account. ) What happened was that our daughter transferred {$100.00} to pay for her usage, but mistakenly switched the account numbers, so that instead of our account being CREDITED with {$100.00}, it was DEBITED by that amount! We check our account online regularly, and caught it this morning, and she and our bank have been advised to fix this. HOWEVER, our bank ( BB & T ) insists this is business as usual - once you set up XXXX accounts for funds transfers from XXXX to another, you have given the bank tacit permission to send transfers either way, with no additional approval or permission from you. In other words, if my daughter were malicious ( which she is not ) or in extremis, she could clean our checking account out and we would not even be advised by the bank that it had been done. As it was, we had to make a quick transfer from savings to cover a bill which was going to be paid today. This strikes me as being VERY insecure, and an abrogation of the banks obligation to keep our money safe. They can set up bill payment systems which will either automatically take money from our account monthly to pay our bills, or, if we do n't want that, which allow us to order the funds transferred ourselves for each bill. So why ca n't they safeguard the sort of arrangement we had, where each month a one-way transfer from her account to ours was made? Our bank insists that is not how it is done.
Consumer complaint received 2016-06-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies XXXX separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (CA)

I am being denied a Harp from Ocwen. They said I have already had one Harp, when the modification offered me was not Harp compliant because it was and ARM loan. I lost significant income in XXXX of last year and have struggled to stabilize financially. I have recently recouped enough to meet a modified mortgage and am being told by Ocwen my only option is Short sale or Dead in Lieu ... .I am XXXX ... and my daughter is XXXX ... I can not move and feel that with a modified mortgage I do n't need to. I have the supporting documentation to substantiate my claim.
Consumer complaint received 2016-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In XX/XX/2011 I had a XXXX / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them ) on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because XXXX / XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted XXXX / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with TransUnion. The disputes came back as verified from XXXX / XXXX. This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused me.
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WY)

1. I filed Case No. XXXX with the CFPB on XX/XX/2016 which is pending, and to which this complaint relates. 
2. The essence of that complaint is that Wells Fargo Home Mortgage sent me a notice out of the blue requiring me to show proof of flood insurance on a house that has had a mortgage on it for 10 years, and that sits in the middle of the XXXX, well out of any FEMA designated flood zone. 
3. I called WFHM twice on the number indicated on their demand letter, requesting written proof indicating the notice was sent in error. Each time I was assured the notice was sent in error, and that a letter confirming this would be forthcoming. No letter, email or other written documentation on which I can rely has ever been sent. 
4. In response to the request for something in writing, rather than doing that, WFHM had somebody named XXXX call and leave messages three times. In these messages he says he has gotten my " inquiry '' ( the CFPB complaint ) and invites me to call him. Nothing else. 
5. Because I am currently XXXX miles from home, lending support to my wife, who is in turn comforting her youngest sister who is XXXX, I have not spoken to XXXX. 
6. On XX/XX/2016, XXXX filed a response to my CFPB complaint, stating he has been unable to contact me, that he continues to do " research '' into my complaint, and that he and WFHM need 60 days to sort things out. 
7. This is the identical delaying response WFHM gave 4 years ago to the CFPB when they attempted to charge me a higher than advertised interest rate on a refi of this loan. ( Case No. XXXX ) 8. There is no " research '' to be done. The property is not in a flood zone. I need written documentation so that the sort of brain damage we are currently going through can be completely avoided in the future. 
9. There is no need for XXXX or anyone else at WFHM to contact me. I have the computer generated demand letter WFHM sent to me on XX/XX/2016, and nothing else to provide them. All information necessary to resolve this issue is available to XXXX. 
10. WFHM required a mountain of written documentation from me to secure and refi this loan. I want a one sentence letter, not a phone call, so the next time this issue arises, it can be resolved without recourse to the CFPB, or other outside agency. 
11. XXXX and WFHM are wasting resources, time, and whatever shred of credibility they might have by engaging in these bullying tactics.
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (OR)

I felt forced in the last minute to pay a rate lock extension of {$810.00} because the appraiser selected by the bank ( Wells Fargo ) took almost 2 months to provide the appraisal. If I did not select the rate lock, terms would change and the whole process would be delayed for at least another month.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Equitable Acceptance Corp (MD)

I have a loan from Equitable Acceptance. They called me about payment and yesterday ( XX/XX/2017 ) at XXXX and at XXXX. They also called my work link at XXXX and a family member shortly after. They should not have this family members phone number. They informed her that they were trying to reach me or my husband about a personal matter. I pay equitable every month. I believe there were only two instances in which I was over 30 days in paying. 

I 'm okay with them calling me. However I am not okay with them reaching out to family members as this feel close to harassment, especially when they had already receive payment for this month ( XXXX ).
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KY)

Navient made it impossible to lower my monthly payments and charged outrageously high interest rates while my loan was on forbearance, also I 'm bring charged for two loans when I only accepted one and they have not assisted in finding out where the second loan came from
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX account number ( XXXX ) XXXX. XXXX XXXX account # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX. XXXX. XXXX XXXX # XXXX. XXXX XXXX account # XXXX XXXX. DPT EDXXXX account number XXXX. XXXX DPT EDXXXX ( XXXX ) XXXX. DPT EDXXXX ( XXXX ). XXXX. DPT EDXXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$4500.00}. XXXX XXXX XXXX XXXX {$410.00}, XXXX {$360.00}, XXXX XXXX XXXX {$3100.00} XXXX  ; XXXX {$1100.00} XXXX XXXX {$350.00}
Consumer complaint received 2024-10-30
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. (TX)

Hey Equifax, I was looking over my report XX/XX/year> and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 
XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) , the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX XXXX  XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX  XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate.

- Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time
Consumer complaint received 2016-05-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

Experian has an impossible process to dispute inaccurate information. They wo n't let you dispute anything unless you buy a credit report. You do get the free annual report, but that report number expires and then you have to buy a report in order to place a dispute since you can ONLY dispute with Experian with a current report number, that they sell to you at a profit. After this, you are directed to go to Experian.com/upload to upload supporting documents, which never are able to be uploaded, limit of XXXX and black and white, and even when you follow the directions and try to upload the most simple of documents, you can not do it. So then they make you send by mail, which I am attaching the message they provide. They require to you provide excessive information, which then they will SELL or use to invade your privacy, requiring information that is NOT REQUIRED in order to process a dispute when you HAVE DOCS to PROVE a dispute. 
They want 1. a drivers license, 2. a social security card, 3. a utility bill. This information in totality is REQUIRED to send to them IN THE MAIL are they kidding??? Because when you are able to dispute online, you DO NOT have to provide this completely invasive information to them, but the online upload does n't work, since it 's too small or whatever the scam is, in order to REQUIRE you to provide TOO MUCH INFO especially not necessary, when remember, you already had to BUY the credit report. This is a phishing scam by Experian, a deceptive and abusive practice that they are doing. The only way we can now dispute ANYTHING is by providing information that they should n't have for a dispute process. We ARE entitled to a correct credit report, and we ARE entitiled to not to have to mail in a set of docs that are 1. not their business and 2. dangerous to put in any type of mail, XXXX, XXXX, etc, because the totality of those docs together are crazy. Even the credit reporting company should not be trusted to have those in their possession, especially for a dispute. Furthermore, XXXX and XXXX DO NOT play this deceptive game, they allow online disputes that actually work, and they do n't make you buy the report to do it, or provide all those docs that can get someone a passport, mortgage loan, government benefits, tax returns, you name it. This is illegal, and the response they give better not be policy and protection, because that 's you know what.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Second complaint against XXXX Bank. Disputed information on my XXXX report and XXXX had both accounts in question deleted. Same dispute sent to Experian. Received results and only XXXX account deleted and the other XXXX updated. Called Experian to find out why. Representative there said that XXXX told Experian they " just wanted to leave that account on my credit report ''. Again, same accounts were deleted with XXXX and should be with XXXX as well. XXXX is not consistent with their reporting practice and is in violation of the FCRA and FDCPA. I will file complaints with FTC and state attorney generals office after this complaint if it is not resolved immediately
Consumer complaint received 2016-06-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America claims I was represented by a lawyer out of XXXX Virginia in a case involving XXXX. In fact, my lawyer was a XXXX XXXX XXXX based out of XXXX regarding the XXXX case. None the less, the law requires accurate reporting of information on a credit report and Bank of America has failed to do this by reporting that my last known address was in XXXX Virginia. I would also like to add that if Bank of America has anything to do with the XXXX case, that case was settled out of court and that debt was removed because of this. If this fradulent debt has anything to do with XXXX then Bank of America is not only reporting my information illegally but they are illegally trying to collect a debt but this will all be brought up in the court papers next month. Bank of America has many cases that they have lost by reporting false information and performing illegal practices. If they claim I lived in XXXX Virginia and put someone else 's name on the account instead of making it a side note and this account was mine, even though it is not, then how am I to know the rest of the information is correct? How am I to know this debt is even real and Bank of America is not making it up? Their own representatives can not even keep their story straight, they flipping stories more than a pancake. All these correspondents will show up in court and you can answer to a judge and possibly a jury over why so many errors and false reporting, I will gladly take your money.
Consumer complaint received 2016-07-13
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (MS)

I financed a car with Ford Motor Credit, bought XXXX insurance and had a Debt Cancellation Waiver, I lost my employment ( single parent, XXXX income family of XXXX ) and could no longer afford a $ XXXX monthly payment. Called for help with payment reduction or a re-fi or a temporary payment reduction with an monthly amount i could pay, they declined that amount but offered something that was still above my means without employment but was less than original so I accepted. With the lowered payments and extended term they removed the XXXX insurance and the amount to be re-paid for the {$31000.00} vehicle purchased in XXXX 2011 went from over $ XXXX to almost {$70000.00}. After XXXX years of paying for car I was once again unemployed due to health issues of my own and my son who suffered a life altering accident in 2011 and has XXXX. Ford was no longer willing to work with me, after i had paid in over {$62000.00} on the loan that had a 8.9 % interest rate ( began at 8 % but 4 weeks after taking delivery of car I was called and said Ford just underwrote the loan and my father, co-signer, and I had to resign paperwork which took the interest rate up, and the note went from $ 620 monthly to over $ 711 monthly ) I voluntarily surrendered the car. The car could n't be sold because after paying over {$62000.00} I still owed over {$24000.00} and the highest resale value was {$14000.00}. I cleaned out the car and left keys in it for recovery company to pick up, I have never had a car repossessed. After Ford sold the car for {$9900.00} they sent my dad and me a bill for over {$14000.00} for the difference. I worked out a payment plan with Ford but missed one month 's payment and rather than call me they turned over to atty who is now seeking {$17000.00} and is suing me and my XXXX father and will get a judgement to garnish XXXX our wages, put leins on my dad 's assets and anything else they can attach in the judgement.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion 's credit report is filled with false information which has damaged my credit score. Per their instruction via telephone, on XXXX XXXX, 2016, I mailed them a letter stating the corrections that needed to be made and attached proof of my identity.They had told me that they would contact the creditors and have the problem fixed within 5 to 7 days. I continued to receive credit reports that carried the false information so I contacted them again by phone today, XXXX XXXX, 2016. A supervisor, XXXX, told me that they only contacted the creditors 9 days ago! Due to my false lousy credit score, my home insurance policy premium was raised. My husband and I applied for a small ( {$5000.00} ) line of equity and could not be approved due to my score. The other XXXX credit bureaus show none of the false information that is on my Transunion report. Unfortunately, this is the company everyone refers to and I ca n't get them to fix it.