davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (MN)

" Here are the facts, according to Equifax. The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' Equifax waited almost 3 full months before letting consumers know about potential identity theft. I do n't have a choice on whether or not they collect my information, so it needs to be protected
Consumer complaint received 2016-12-29
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (IL)

I received a Mortgage Loan Modification in 2011 via CITI MORTGAGE ( XXXX XXXX owns the paper ). This modification was grated to me via the HAMP/HARP program via the Federal Government. That funding was provided to these banks from the Federal Government to provide relief to me, due to the housing crisis collapse. They modified my loan. However, they built into the loan verbiage that shares if I failed to make a payment or late payment any forgiveness will be forfeited. See Paragraph ( XXXX ). Principal Reduction Alternative. I did not know this verbiage was " baked '' into this modification. I think that is BS and if XXXX XXXX or Citi Mortgage is going to KEEP the {$66000.00} of forgiveness, I want that money RETURNED TO THE FEDERAL GOVERNMENT!!!! This is just ANOTHER CLAUSE that set people up for failure, at a very tumultuous time, so these BANKS can SNAKE the fees on the back end that were clearly intended to HELP PEOPLE not them! That said, my Mortgage is up to date. This Modification is current. I received a letter stating that at the end of this loan, if paid within 30 years, will owe CITI MORTGAGE another {$98000.00}!!! That is only based on today 's rates! This means that the {$66000.00} of FORGIVENESS is growing with interest on the back end! Again, this makes this loan affordable and OUT OF REACH and completely defeats the purpose of the Federal Government Programs for this purpose and their intention to ASSIST THE CHEATED CONSUMERS!
Consumer complaint received 2017-03-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I just dont get it. original loan with navient is XXXX i owe XXXX i pay every month XXXX XXXX to principal and XXXX to interest. this has been going on for 10 years. how will i ever pay this off. i am getting robbed and no one will help. no one. loan numbers with navient are XXXX XXXX i have submitted a complaint before i recieved a letter from you but no response from navient. there are doing nothing. i feel that i am being robbed and what can i do and at this rate when does the principle go down.
Consumer complaint received 2016-05-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

Equifax continues to report information on my credit file that is not mine. The company also continues to place an address associated with the inaccurate accounts back on my credit file after it has been deleted numerous times. ( See Attachments ) I have filed a number of disputes with the agency to no avail. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following address and accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-XXXX # XXXX 2 ) US BK Court-XXXX # XXXX 3 ) US BK Court-XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Equifax has provided false and misleading information that the Courts have furnished and verified the inaccurate accounts when in fact the Court has not provided the Consumer Reporting Agency with any information. These inaccurate accounts have hindered me from gaining credit and I also have been denied credit do to the frivolous accounts.
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received an invitation from Bank of America to open a Business checking account. I was offered a bonus of {$1000.00} after fulfilling a couple requirements as explained to me by the bank representative who helped me open this account. XXXX of the requirements was to open a Bank of America Business credit card. I did go ahead and applied for the Bank of American XXXX credit card with an annual fees of {$75.00} and was approved. The bonus of {$1000.00} was to post to my account within XXXX8 weeks after fulfilling the requirements. After not receiving my bonus of {$1000.00} I called the bank to resolve the issue. I was notified by the representative that I had to spend {$2000.00} on the business credit card within a certain period of time to qualify for the bonus of {$1000.00} This requirement of spending {$2000.00} was never disclosed to me by the bank representative who helped me open the account at the branch office located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Only after being charged a monthly account fees of {$29.00} for several months I was told that the representative will open a case for me and this was in XXXX 2016. The case reference number is XXXX. After two months there has been no follow-up from bank of America to help me resolve this issue and they continue charging me {$29.00} monthly fees. I am very disappointed with the situation as I was not made aware of all the requirements for this bonus offer and the Bank constantly charging me a monthly fees while this case still has to be resolved and further no feedback from the bank in the last 60 days for an open case. A Bank of this stature can definitely do a better job of communication. I would like to receive my bonus of {$1000.00} asap and have this issue resolved at the earliest.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I have several loans serviced by XXXX /Navient. I was informed several times that my there are not program to reduce the loan payments. Therefore, I requested several forbearances which increased the loan amount. I missed several payment which were reported on my credit reports.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

My lender, US Bank, has done everything possible to put roadblocks on the way to avoid providing any help for my financial situation. Each time I have filed for paperwork for modification, they have made mistakes and wrongfully calculated numbers or completely avoid communicating with me in order to waste time purposefully. As a result I am way behind on my mortgage and risk losing my home. Most recent application for modification was denied because they chose to calculate my income completely wrong. I have done everything possible and given them correct information yet they have constantly made errors and brought major point where modification programs are going to be expiring at the end of the month in few days and I will have no help from them or anybody else. According to them my monthly income is {$5400.00}. In fact my monthly income is {$7300.00}. If you start with wrong income, result would be wrong. I have tried everything possible to correct this error and have not gotten anywhere. I really need your help or I 'm going to lose my home and become homeless. Which I suspect is their intention.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Rewards — 
Company: BBVA FINANCIAL CORPORATION (IL)

From XX/XX/2016 until XX/XX/2016, BBVA Compass Bank ran a promotion that would provide XXXX rewards points ( each point with the cash redemption value of XXXX cent ) on all purchase made using the XXXX XXXX XXXX XXXX card. During that time I made XXXX payments to a merchant called XXXX with my BBVA XXXX card, XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. Out of those XXXX transactions, XXXX transaction totaling {$4800.00} made on XX/XX/2016 only received XXXX reward points while other XXXX transactions received XXXX points. Thus I am owed XXXX ( XXXX x XXXX ) additional points from BBVA Compass. I contacted BBVA Compass regarding this issue and the bank declined to issue me the rest of points stating that XXXX is not a supported merchant during that promotion. This statement is clearly false as I received the bonus points on the other XXXX XXXX transactions I made during the promotional period ( See Attachment ).
Consumer complaint received 2016-07-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Caliber Home Loans, Inc. (CA)

This complaint pertains to : Caliber Home Loans , Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, as Trustee for XXXX Master Participation Trust, and XXXX XXXX XXXX, XXXX. 

Issue : Attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

TransUnion refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX, XXXX, OH " The XXXX Bankruptcy XXXX does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the XXXX Bankruptcy XXXX ) to get required verification and validation. I have again attached the letter FROM the XXXX Bankruptcy XXXX showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter. 

TransUnion also failed to respond to the CFPB 's final dispute of their response and nothing was done about it.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2016 I checked my credit report on XXXX XXXX and had a total of 24 hard inquires removed from my credit report. I checked my account again on XXXX XXXX, 2016 and all 24 hard inquires were placed back on my account without sending me a reinsertion letter as required by FRCA section 611. I have been calling Transunion ever since and received no help. No one will transfer me, no one will connect me to an American representative, or the fraud department. Multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and I should simply file a complaint because they will not fix it.
Consumer complaint received 2017-09-08
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. (MA)

There was a massive data breach with Equifax, and I checked their site and I was told that my personal data may have been compromised. 

I 'm unsure of the date of the breach, but I first became aware of it on Friday, XXXX XXXX 2017. 

I placed a 90 day fraud detection alert on my account with the three major companies. I also got a free credit report from XXXX. Filing this complaint is the last step I plan to take at the moment.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2016-10-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (SC)

Hunter Warfield ( Collection Agency ) is attempting to collect a debt that is unknown to me. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX I received collection letters from Hunter Warfield on behalf of XXXX XXXX and XXXX. These letters were the first and only contact received by me. It appears that XXXX XXXX is attempting to collect {$430.00} and XXXX {$500.00} ) for what? I do not know. I moved out of XXXX XXXX Apartments upon proper notice ( 60 plus days prior ) on XXXX XXXX, XXXX. I began living there XX/XX/XXXX. During the signing of the lease I was offered a Surety Bond ( I assume XXXX ) it was explained to me by the employee who signed me, as a way not to pay a deposit, which was subject to be returned at the termination of my lease. However, if I were to pay {$86.00} for the bond with no expectation of refund then all I had to do was end the lease. Any damage, or other expectation would be covered by the bond. I agreed to pay for the bond. I paid my rent on time for the next three years. Then, I get these letters this month demanding payment for the above stated amounts. There was no prior written notification nor explanation for these requests. Just the collection letters with the threat of debt reporting to the national credit bureaus. 
I do not owe these people money and am requesting that they STOP these attempts of collection.
Consumer complaint received 2016-07-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (NM)

I financed a car from Prestige Financial approximately nine years ago. The car was repossessed about five years ago. I had a balance after the car was sold and Prestige was going to garnish my husband 's wages. I settled with Prestige for approximately {$2000.00}. After about one year Prestige started contacting my family telling we needed to contact them. When I contacted Prestige they said I had left a balance of {$200.00}, and because of interest they would settle for {$1000.00}. I told them I was not going to give them any more money because I believe they were a predatory lender. I started a new job and I got a notice Pestige was going to garnish my wages. The payroll department stated Prestige was going to garnish my wages until I paid {$3000.00} back. I feel this company is being extremely unfair at this rate. I will never get them paid back. The money they taking from me is making it extremely difficult to make a living.
Consumer complaint received 2016-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EQUIFAX, INC. (WA)

Having my credit checked found a XXXX account for a {$170.00}, got a hold of XXXX and they had no record of it filed complaint on the collection agency and XXXX to get it off my credit report.the collection agency called me last Friday to inform me that that account was with drawn from their company in XXXX 2012, and at that time they sent deletion requests letters to the credit bureaus to be taken off my credit report.Why was it not taken off 4 years ago?
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (LA)

Chase Bank was hacked. My ATM card number was stolen -- along with many others ' ATM numbers -- and monies withdrawn from my account at an ATM in another state. This happened on Tues, XX/XX/XXXX. As of today, six days after this event, I still do not have my money back in my account. I still do not know when I will have it back. I spoke w/ customer service and up the chain to the so-called " escalation team. '' Apparently, my money and that of the other " hack-ees '' wo n't be returned until Chase 's " system '' does what it needs to do. In other words, I was told that nothing can be done about returning my money until the system determines when I should get my money back. That is what I was told by XXXX of the Escalation Team.
Consumer complaint received 2016-12-29
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo failed to mention that there was a balloon note in my mortgage in XXXX. When I did the modification in XXXX I again only signed one page and sent it back not seeing a full disclosure. I received a letter in XX/XX/XXXX stating they failed to include, in a written document, a reminder of balloon note. This was my first indication of it and I had no previous knowledge about it. I believe I was taken advantage of as a senior citizen. I wrote letters and called the Presidents office. I received a letter stating they would investigate. 
In XX/XX/XXXX, I went to the Wells Fargo Mortgage Center in XXXX California to retain a full copy of my loan papers and check with what I had been previously given. In those documents I did not receive a truth in lending disclosure or pages 16-19 & page 22 were not in my papers or copies I received initally at Wells Fargo Home Mortgage. And I realized they had deceived me in this process. I 've been paying mortgage but with the outrages balloon payment and outrages rate I am at risk of foreclosure, although my loan is up to date.
Consumer complaint received 2017-01-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PRESTIGE FINANCIAL SERVICES INC (AZ)

On XX/XX/XXXX I formally communicated to Prestige Financial and the CFPB if all efforts to collect the debit for our auto loan all communication going forward was to be done by EMAIL or Mail only. Please refer to claim # [ Case number : XXXX ] due to repeated harassing and back to back phone calls from Prestige Financial account managers. At that time I received confirmation from XXXX XXXX Compliance Officer Prestige Financial Services , Inc. our account would be flagged and alerted our account should be handled with Email/Mail communication only. Within this past week Prestige Financial account managers have made repeated back to back harassing phone calls to both my husband and my cell phones in addition to emails. My husband spoke with them on XX/XX/XXXX, XXXX, Incoming XXXX 2 mins. advising them payment would be made on XX/XX/XXXX when his VA XXXX benefits are deposited into our bank account. Within less than 7 days and the fact that on XX/XX/XXXX my husband advised when payment would be make to bring the account back current we received several more calls regarding the payment. Here 's is the documented harassing call log from our cell phone provider : XXXX call log XX/XX/XXXX, XXXX Vm Retrieval XXXX XXXX Voicemail XX/XX/XXXX, XXXX Incoming XXXX 1 -- XX/XX/XXXX, XXXX Incoming XXXX 2 ( Again my husband advised payment would be made on XX/XX/XXXX ) Today XX/XX/XXXX XXXX Incoming XXXX 44 sec XX/XX/XXXX XXXX Incoming XXXX ( call sent to voicemail ) In addition to the email received : Are you still interested in securing your account? I 'm happy to assist you but I need a URGENT RETURN CALL to avoid further escalation. I need a call back today thank you in advance.-XXXXXXXXXXXX XXXX XXXX Account Manager Prestige Financial Services , Inc .
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NY)

For several months I received an Email monthly stating that my Bill Pay account at Wells Fargo Bank.had been debited. I have no accounts of any kind with any Wells Fargo branch. Could this have been one of the fake accounts recently discoevred? Copy of one of the Email follows. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXXXXXXXXXX To : XXXXXXXXXXXX Sent : XX/XX/2016 XXXX Eastern Daylight Time Subj : Wells Fargo Bill Pay : Payment ( s ) Sent Wells Fargo wellsfargo.com Bill Pay payment was sent We have sent the following Bill Pay payment ( s ) : Payee Name ( Nickname ) Amount Sent Date Sent Delivery Date WELLS FARGO FINANCIAL NATIONAL B {$200.00} XXXX/XXXX/2016 XXXX/XXXX/2016 Please note : We have debited your Bill Pay payment account ( s ) for the above payment amount ( s ). It may take up to three business days for payments sent electronically to be posted to your payee account. It may take up to five business days for payments sent by check to be delivered to your payee. 
If you have questions, we are available 24 hours a day, 7 days a week. Call Wells Fargo Online Customer Service at XXXX or sign on to send a secure email. 
To unsubscribe from this notification, please sign on to Bill Pay. 
wellsfargo.com | Fraud Information Center Please do not reply to this automated email. Sign on to send a secure email.