davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I was divorced in 2013 and the mortgage was refinanced this year in my ex husband 's NAME ONLY. I have tried for 3 months to get the remaining balance of {$140000.00} off my credit report and Equifax still says it is my responsibility even though the credit union does not show my name anywhere on the mortgage now.
Consumer complaint received 2024-10-09
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. (MD)

I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Banks are charging " overdraft fees '' for transactions when using your debit card. the problem is that when opening an account they do n't disclosed the consumer that there is a charge of {$35.00} per transaction causing consumer to pay a large amount. In my case there was approximately XXXX charged to me and the bank is refusing to return. I went to multiple branch and I was told that is nothing that they can do. The policy should be for both agreeable by both consumers and bank. I was hardly using these particular account and was under the impression that I have money in since I am depositing XXXX every paycheck. Also, they send me a new card that according to the branch manager said that the card is linked to pull money from all accounts including my minor account and when I ask she does not know why it was set up like that. then to another bank in which the staff including the manager were very unprofessional and rule, I was literally begging for the money and the bank does did not care
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Eastpoint Recovery Group, Inc (AZ)

The company called Eastpointe group on behalf of XXXX contacted me several times over the course of the last month. I advised them that I do not have any contracts with the company and do not wish to receive further communication on my cell phone. They have continues to call and have begun contacting my place of employment, phishing for information about me. Today, XX/XX/XXXX, they contacted my work at XXXX XXXX and advised my front desk that they are seeking to collect a debt and need information about me. I contacted them and asked them to cease contacting me on my cell and at work, and the representative stated that if i do n't give them {$300.00}, they will start taking money from my account.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address is:XXXX  XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX  XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DEBT 0, INC (FL)

Dear Sirs, Two weeks ago you handled a complain between XXXX XXXX and us, you referred with the # XXXX. We do n't agree with the amount of the reimbursement XXXX XXXX sent. Numbers, as per same attachment XXXX XXXX sent, we have : Total amount deposited by us to XXXX XXXX : {$10.00} ( Exhibit # 2 ) XXXX already paid : - XXXX XXXX XXXX : {$2300.00} ( Exhibit # 3 ) - XXXX {$1200.00} ( Exhibit # 4 ) - XXXX XXXX XXXX XXXX : {$2200.00}, paid {$1500.00} ( Exhibit # 5 ) - XXXX {$38.00} ( Exibit # 6 ) - Settlement amount to pay to XXXX XXXX, {$3200.00} TOTAL DEBT PAID : {$8300.00} The amount to be returned must be {$1900.00} instead of {$880.00} already sent by check. Additional we need to know, having the money available, why you never complete the payment to XXXX XXXX? Is XXXX XXXX responsible If this agreement is no longer valid since payment were not done, if this is the case, how it will be handle since was your lack of dedication following up these accounts and not having done the payments. Besides, we need the agreements you signed with XXXX XXXX XXXX and XXXX. Looking forward your soon reply, Sincerely, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-03-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NC)

Client was active in an assumption along with a loan modification with XXXX XXXX. The closing package for the assumption had been received back by XXXX XXXX and the client had made the trial payments. Last trial payment was due XXXX XXXX, XXXX which had been made. Then effective XXXX XXXX, XXXX a servicer transfer notice was sent to my client stating that Selene Finance would be handling the file from that point on. XXXX XXXX did not complete the assumption or provide the permanent modification that had been granted to said clientl. The reason the assumption was so important is because she was not a borrower on the XXXX XXXX XXXX. It took two years for them to acknowledge that my client had been put on the deed with her parents back in XXXX and since both were deceased there was no probate or will as my client already had ownership rights on the property. I have tried speaking to Selene Finance on several occassions and they state they can not speak to myself or the heir as the loan is still in her mom and dad 's name. They are requesting certified copies of death certificates which should have come across in the documentation that XXXX XXXX had sent and proof that she was the only heir and proof of her ownership. On XXXX XXXX, XXXX I had faxed over a third party authorization along with copies of the death certificate. I have just called to follow up and again Selene refuses to speak to me or my client. I filed a complaint against XXXX XXXX yesterday and someone reached out to me today stating that Selene was supposed to complete out the process that was previously started. We can not get anyone to communicate with us at Selene.
Consumer complaint received 2017-05-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

This is a follow up to complaint ID  XXXX  as I was not given an opportunity to respond to Chase 's last response to this complaint. This complaint is regarding a fraudulent appraisal used on a property (  XXXX   XXXX   XXXX ,  XXXX  Ohio  )  that closed in  XXXX  of  XXXX . In Chase 's response to this complaint they stated this loan paid off  XXXX  existing mortgages and I received {$38000.00} at closing and I benefited from this ( see paperwork attached ). The paperwork that accompanied their response were closing documents on a completely unrelated property in a different city that was sold in  XXXX  -  XXXX  years prior to the property listed in the original complaint. How they are connecting these  XXXX  is beyond me and demonstrates  Chase  's lack of due diligence and attention to detail.   XXXX  I have brought this inaccuracy to the attention of the person from  Chase 's Executive office assigned to this issue and they too were confused how their legal team g ot these  XXXX  transactions mixed up with each other and would look into. It has been several weeks since this conversation and my contact at  Chase  is now ignoring my phone calls and has not returned any calls for  weeks .   XXXX  As I understand it, the CFPB was established to help protect consumers from unethical practices of large financial institutions. I do not believe this issue is taken seriously or being handled ethically.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

I'd discovered that I have inquiries that has not been authorized. I did not give any permission to furnish this information to my consumer report. This is a violation of FCRA Section 1681b ( c ) which constitutes as fraudulent activity and breach of privacy rights. The inquiry was not authorized : XXXX XXXX - XX/XX/XXXX CAP XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have previously disputed this item and asked for verifiable proof and company has failed to provide of debt. The name of the company is  XXXX   XXXX   XXXX     2017  in the amoint of {$150.00}. Can you please help me to validate this debt.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address isXXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX  XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Due to the XXXX of XX/XX/XXXX and a severe loss of income, I could not pay my credit cards. No one would work with me and I ended up being summoned to court. I could not afford an attorney. The cards were all bundled together and the attorney representing the credit card company offered me a re-payment agreement that would span 3 years. He told me to sign it and make the monthly payments, determined by him, for 3 years and said that would be the end of it. I signed it and the judge approved it. There was no discussion about forgiving anything. They said - pay what you owe and I did. I worked very hard to make the payments from the XX/XX/XXXX-XX/XX/XXXX time frame until XX/XX/XXXX-XX/XX/XXXX. During this time, my husband had to file bankruptcy and we had to short-sale the house because again, no one would work with us. Not the homeowners relief program, NO ONE. I never received any further communication from ANYONE. Now we fast-forward to XX/XX/XXXX and Bank of America sent me a XXXX form stating that they are " forgiving '' {$12000.00} of debt! There is no possible way this could be my debt. What I am saying happened, is that since I was under the impression that this matter was resolved and I made 3 years worth of payments, I thought it was over. No one has contacted me since that day in court almost 9 years ago. So what was Bank of America doing to me behind my back? Adding on late charges and penalties and fees every month, while making absolutely no effort to contact me so that perhaps this could have been resolved and now, almost 9 years later they are " forgiving '' {$12000.00} of debt? How can this even be legal? How am I going to pay taxes on this now? I am XXXX years old and I am not made of money. Please make them rescind this form. I do n't have the income to justify a credit limit of {>= $1,000,000} on XXXX card. In my opinion, this is fraud. Is Bank of America trying to manufacture write-offs? I do not know HOW I will pay this tax bill either. What is next - debtor 's prison??????
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FL)

well two months ago i riceived a america express gold bussiness around XX/XX/2016. had the card lee then 2 months.and then on XX/XX/2016 america express cancel the card stateing that my the other person need to be check out because she use her card more then the owner was used her card.
Consumer complaint received 2017-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (MN)

We are third parties to the debit owed by our adult son. The collection agenc y at (   XXXX   )   XXXX  has called us at l east four times  on the dates/times listed below. The agency appea rs to be Wells Fargo .  <P/>   X/XX/17    XXXX   XXXX   XXXX    X/XX/17    XXXX   XXXX     XXXX     XXXX   XXXX     XXXX     XXXX   XXXX
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I used the annual credit report site, entered all required data, XXXX and TransUnion both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.
Consumer complaint received 2016-04-12
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (NC)

I was never sent a bill, nor was I ever contacted. I contacted the credit department and spoke with XXXX a supervisor at XXXX. I explained my issues, and explained that I never received the bill nor anything for the account. I requested to have the late payment removed from my credit as I feel that it is unfair, that the creditor failed to send a loan statement or any documentation to how or where I could send payment. 

I further requested that if I paid in full, or settled that the creditor remove the account from all reporting agencies, and never showed the account. I spent 2 hours and 31 minutes on the phone with 1 hour and 16 minutes being on hold. 

I am currently under contract on my home, and already approved for my new home. This account mysteriously just happened to start reporting. 

I contacted the store after taking the original contract out on XXXX/XXXX/2015 and explained that I only wanted the Desk and bookcase which I had to go pick up, and wanted to have the delivery department come back and get the other items. ( these items are still boxed up ready to go ). However, this was XX/XX/XXXX, and this is XX/XX/XXXX. I can understand and respect the notion of consumer responsibility however, the fact that the creditor and the store are not willing to work with the consumer to right the wrong, and the only thing I am hearing from each representative and from now XXXX, the " director '' of collections is that its not there job to help the customer its there job collect the money back. This is a complete and uder slap in the fact of unethical behavior. It is not in any way reasonable to say its not my job. I asked for help, and did not get any.
Consumer complaint received 2016-11-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (MD)

We went to refinance with another company due to the XXXX XXXX at the time increasing my monthly payment close to {$400.00} - per them they under estimated my escrow. Not really sure how that could have happened when virtually nothing had changed over the year. The property taxes may have increased {$150.00} over all, but that in not way constituted that high of an increase. Went to closing, I was told that the payoff balance included the XX/XX/XXXX payment. I had made the payment, then once I found out the payoff included that amount, the XX/XX/XXXX payment was reversed. A week later the XXXX rejected the wire transfer as they are now stating funds were short. Thus the XX/XX/XXXX payment, they had advised not to pay, since it was included in the payoff amount. The attorney went over all the numbers & confirmed to me that the payoff amount wired to them indeed included that XX/XX/XXXX payment. They now have left me threating phone calls & sending me XXXX to Foreclose on my home. I have Never missed a payment with this company. We spoke to a gentleman with the said company & he advised that they would accept the wire next time it was sent through. I has bounced back yet again. XXXX they had also advised I had money in escrow in XXXX phone call & then in the next call advised I had a negative balance - not sure how that can happen. I just want this matter closed out & finalized - I am already ready to move on with my new XXXX & making payments to them. Thank you for your time & assistance in this matter.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (CO)

I called multiple times to have a graduated repayment plan started. I thought that it had been started when I received a statement the next month for the full amount. I called again a few weeks ago and was told that everything was all set in the system again and I was put on the graduated repayment plan. No such luck. I just received the latest monthly statement with the full amount due.
Consumer complaint received 2017-03-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc. (SC)

Never received anything from the debt collector. The right to dispute, who they were, amount owed, or nothing at all from them. We got the first phone from them end of last week and tried to call back that day but was already closed. Got another call Monday and called back and spoke to them. Found out that the info is wrong on the account. My fathers SSN is on the account and he is not connected to any of my stuff. I called the place that originally had the account to confirm that they have the right info and they do n't even have my SSN on my account so was not sent to creditor like that as they claim. And because I was never notified of they creditor or anything from them I have not made a payment bc I did n't even know they had the account until I just got a phone call. And so this whole time they have been reporting it to my dads credit which has hit his credit big time and he had excellent credit. They should t of reported anything bc I was never even notified for one and for 2 his XXXX should not be on the account, mine should be. We have tried to get them to remove his social and at first was told it ca n't be and then I talked to XXXX the supervisor who was very rude and said he can and it will take XXXX hours and they will report it to min but should n't be reported period bc I was n't ever notified of the debt or given a chance to dispute it. They received the account back in like XXXX XXXX and it 's XXXX XXXX now and this is the first I have heard of them ever. XXXX said " he will do what he wants when he wants and there is nothing I can do about it ''. I do n't appreciate the unprofessional communication especially from the supervisor. And they are not willing to correct the issue and work with us. So we are asking for your help to get this resolved. I have been paying on the account but bc it was n't paid off in 120 days it got sent to them but was never notified by them of it and who they are.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

This item is for XXXX XXXX Hospital. I received services at this facility in XXXX. The services were billed to both of my health insurance companies, XXXX XXXX XXXX for payment. After payment from both insurance companies, the remaining balance was supposed to be adjusted off due to contractual obligations between the hospital & my insurance company. The balance was not adjusted but instead turned over to XXXX. I contacted the hospital again & the balance was adjusted off. The hospital in turn contacted XXXX XXXX to inform of the billing error & also advise that the account was incorrectly submitted for collections. XXXX then contacted Equifax on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX electronically to request for the item to be deleted. I was informed on XXXX/XXXX/XXXX to allow 60 more days for the item to be deleted. I contacted Equifax last week & was informed that the medical bills is still reporting & to contact XXXX XXXX. I reached out to XXXX & they indicated that show the account as reported to Equifax to delete. I called Equifax today & was informed that they do n't know when it will be removed from my report. I keep getting the run around from Equifax.