davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (SC)

I have XXXX XXXX XXXX accounts that are over 7 years old that I want removed and also XXXX put a judgement on me after it was on me as a collection for 7 years. 
Also, I have a tax lien that is over 7 years old and should be removed from XXXX county. All of this is on all XXXX of my credit reports.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

In XXXX XXXX, my wife and I secured a loan with Wells Fargo Dealer Services for a XXXX Scion xD. In XXXX XXXX, I became unemployed. My wife and I were able to continue regular payment until late XXXX, after my unemployment was exhausted. I finally secured part time employment XX/XX/XXXX, and finally full time employment XX/XX/XXXX WFDS did defer XXXX payments XX/XX/XXXX, but we have still struggled through XXXX. Our car was repossessed in XXXX XXXX. We explained the situation to WFDS, and were able to borrow money to reinstate the loan and catch it up until XXXX XXXX ( although we were under the impression that it was caught up to XXXX XXXX ). From there, we were unable to make the next payment XX/XX/XXXX ( XX/XX/XXXX per their records ), but were able to pay {$400.00} XXXX ( a full payment ) and another {$300.00} XX/XX/XXXX, with the next payment stated due XX/XX/XXXX. However, XX/XX/XXXX within 6 months, and the vehicle just over 2 months past due, WFDS decided to repo the car again, and is now demanding full redemption to get our car back. We were quoted {$10000.00} before XXXX or the car is to be auctioned. WFDS is unwilling to negotiate. In fact, their staff has been mostly uncaring, rude, and condescending.
Consumer complaint received 2015-12-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (GA)

While I was XXXX I was protected by the Soldiers and Sailors Civil Relief Act. I was unfairly charged massive late fees and compound interest during this time that was illegal for them to do so. I had contacted all of my creditors and sent them a copy of my orders because they are required by law to reduce interest rate to 6 %. Since then the debt from those credit cards has been sold and I can not get this issue resolved.
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America supposedly gave me a mortgage for my home in XXXX 2003. However, I have discovered that they sold that mortgage in XXXX of 2003 to a pool of investors as part of a Mortgage Backed Security. I have a PSA ( pooled Service Agreement XXXX showing a series of Mortgages sold by Bank of America and the series of my mortgage being one of them. However, they continued to send me a monthly statement for years collecting on a mortgage that they no longer owned. This is Fraudulent. Then when I fell into financial hardship, without knowing about the Fraud, they tried to forclose on my home. If anyone had a legal right to forclose, it would be the new investors that brought the Mortgage Backed Securities in the open market. However they are not interested in owning homes just securities. The bottom line is that not only did Bank of America make the money twice over on the home, so did all of the investors as these Mortgage Backed Securities are traded in the open Market. Bank of America has fraudulently been charging me monthly for many years and then when payments stopped due to hardship and failed attempts at modifications which did not help because Bank of America was just placing the missed payments on the back end, they filed a judgement against me for non payment. The question is non payment of what? They did n't have the mortgage anymore?
Consumer complaint received 2015-06-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I requested that Bank of America ( BOA ) remove the PMI for the past three years and they declined me each time. Each time my request was denied eventhough my equity or loan-to-value amount met the requirements for the removal. Recently, my loan matured to greater than XXXX yrs old and I requestd for the XXXX time that BOA remove my MPI in XXXX in which BOA said that they would look into it. BOA never removed my MPI and in XXXX they sold my loan to XXXX Mortgage company. XXXX is now in process of removing my PMI. However, BOA repeatidly ignored my request throughout the years. Recently, my loan was tenured enough and value high enough to meet the removal. Also, I have never missed a payment. This has cost me additional fees throughout the years since my PMI should have been removed in XXXX I have since pay a PMI for an additonal XXXX months. My MPI is about {$80.00} a month. To a middle class family {$400.00} is a lot. 

Also, I think that it is unfair that BOA sold my loan. I believe that this is a form of discrimination. They were aware that I was refinancing and wanted my MPI removed. I think that they sold my loan to another creditor because of these factors. This is a bad banking practice which is horrible customer experience. This process delayed me from getting refinanced. This is also unfair to other creditors that purchase loans like mine and later take a financial hit while the bigger bank get rid of customers that have rated them low throughout the years.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The division of Child Support Enforcement has been documented on my credit report since XX/XX/XXXX ( according to Transunion ) however, it 's actually been there since XX/XX/XXXX. Anyway, Transunion has allowed them to remain on my credit report since XX/XX/XXXX without fail. I have documentation as a result of my many disputes from Transunion stating that this would finally be removed from my credit report XX/XX/XXXX. I patiently waited until that time and then it finally did fall off for a total of 30 days. Now it has resurfaced as new and it is listed as a collection item that will be removed on XX/XX/XXXX. This is an outrage, all the other credit agencies has seen fit to remove this from my report except Transunion. It appears that all the reporting company is required to do is to verify my full name and social security number. I was advised by Transunion that due to the fact that The Child Support Enforcement Agency has my personal information this will remain on my credit report forever. Child Support is reporting that I am making monthly payments to keep this on my credit, however, they are not reporting any payment amounts.Transunion is basically turning the other cheek on this. There are laws which indicate that if a payment is reported then the payment amount should also be recorded. Child Support is smart enough to know that if they record me as making payments then it could possibly remain longer. Why are n't the payment amounts being listed. This is unjust and something must be done. I would like for Transunion to remove this account from my credit report for once and for all.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Since XXXX XXXX, 2016 I been contacting Transunion about removing inquiries on my credit report that have resulted from Identity theft. I have contacted them on the phone multiple times and provided them with my identity theft report Filed on XXXX XXXX, 2016 but they have refused to remove the fraudulent inquiries. 
Agencies must block identity-theft-related information. FACTA adds a new section, XXXX, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumer 's identity, a copy of an identity theft report, the consumer 's identification of the fraudulent information, and the consumer 's statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ). 

XXXX and XXXX have removed the inquiries already and Transunion is the only bureau who has not. These practices by Transunion are violations of the FACTA Act regarding identity theft and I will be pursuing legal action if these fraudulent inquiries are not removed immediately.
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (PA)

I have just entered repayment for my student loans, both sallie mae and XXXX, paid to XXXX college and XXXX university. I 'm a graduate XXXX and am a life long PA resident. I am making under {$26000.00} annually and am due to give birth in XX/XX/2016. With added medical bills, from pregnancy and a preexisting condition, and day to day bills, I contacted my lenders to work out lower monthly payments of some sort. Sallie Mae informed me their extended repayment program would n't change my payments and they could not help me any further. Now every time I call them they are brash and offended when I ask about any programs they offer besides deferment. XXXX, I have called many many times, filed a complaint on this site before and followed all the paper work trails they have asked me to. I did this in the hope of getting income based repayments, but the last time I called I was actually told they could n't lower my $ XXXX monthly payments a lot and that " because I have n't missed any payments 'they ' have no other options for me at this time. '' As a responsible adult I 'm trying to work with them and even did financial statements for them, showing I have an extra {$10.00} a month and my cosigner has very little extra income as well. 
I am trying to work in their rules but I 'm simply not able to pay and neither is the cosigner, and after my forbearance has ended my only option according to them is to stop paying. 
The fact that my original lender for all my loans, sallie mae, specifically told me that I could get income based repayments after graduation is most annoying part.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (MD)

am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Equifax Name of Company Date of Inquiry XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX - XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX NA Date Filed XXXX/XXXX/XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2015-07-17
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc. (NJ)

on XX/XX/XXXX I went to the XXXX, acct # XXXX, for emergency services. I did not have insurance at the time so I filed for charity care. i was approved for charity care to cover XXXX % of the charges and XXXX % of any future visits for the next 12 months. on XX/XX/XXXX I went to XXXX, acct # XXXX, for emergency services. i received a bill for this visit and i forwarded the charity care determination which shows XXXX to be responsible for XXXX % of the charges. I never heard anything else about this. XX/XX/XXXX I noticed a new collection item on my credit from AMCOL, acct # XXXX. I immediately disputed this as being paid in full. XX/XX/XXXX, I received a phone call from representative on behalf of XXXX trying to collect this debt again. I advised about the charity care and forward them over all documentation. They advised me this would be closed out. I then forwarded this to AMCOL who told me they would investigate it. Lastly I reached out to XXXX Billing who also said they would investigate this and have the account pulled out of the collection agency. On XX/XX/XXXX, I called to follow up and ensure this was removed as this is negatively impacting my credit. I was told by XXXX Billing that I have to re-fax everything again and they can not tell me a time-frame of resolution. I expressed my concern because every month this continues, my credit is being damaged. I then reached out AMCOL and spoke with a rep named XXXX who told me that XXXX advised that this debt is still owed and that they will not accept my charity care letter because the account number XXXX is not listed on it. I advised to the rep that Charity care states they do not have to add the account number to the letter because under XXXX XXXX it states that XXXX is responsible for all payments for future visits 12 months after the original visit, which this visit falls in that category. As of today, there is no resolution and no urgency to correct this. I have been going around with both companies while my credit continues to get damaged. AMCOL also tried to state that XXXX was only responsible for XXXX % and i had to explain that the handwriting looks like that but you can see where is says patient responsible for XXXX % and that it is truly XXXX % which charity care can confirm to both AMCOL and XXXX.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

XXXX XXXX has been working with Bank of America for home retention options. She was advised that one of her options is short sale. She listed her property with a local real estate agent on XX/XX/XXXX and received an offer. Per Bank of America 's instruction, we have been trying to initiate the short sale into their " XXXX '' system to begin review. In our many discussions with Bank of America, they informed us that they are having troubles with initiating this file and opening up the review. This " delay '' has gone on for over two week. Daily, when we speak to Bank of America, they advise that they are having issues with their system and that they will look into it. On XX/XX/XXXX, I was advised by Bank of America that too much time had gone by trying to open the file and that we are now too close to the upcoming foreclosure and that Bank of America will no longer entertain a short sale. 

Bank of America has agreed that the issues and delays were internal but their unwillingness to work with us because " too much time has passed '' is completely contradicting to them admitting that the mistake was on their end. 

It is not fair that XXXX XXXX should have to pay the price because Bank of America can not figure out how to practice their own internal procedures without errors. Their borrower has reached out for assistance and is being denied it for a reason that is not in her control.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2015-06-30
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd. (NC)

I was contacted by a debt collection agency for a past due payday loan. We set up a payment plan which I have followed since XXXX 2015. On XXXX XXXX, 2015 a payment was deducted from my account. My account should be paid off ( debt settled ). I attempted to contact the agency by phone in which I got no response. The contact number I have always used was disconnected and other phone numbers for the agency were disconnected and/or only had a recorded message. It is as if the agency has disappeared.
Consumer complaint received 2016-03-20
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Someone called my XXXX grandmother ( XXXX years old ) on the phone pretending to be me needing help with money to get bailed out of jail in XXXX and XXXX. This was clearly not true ( I 've never even been to XXXX and XXXX ) but she was scammed into sending {$5800.00} through MoneyGram at Wal-Mart through multiple transfers. The person on the phone convinced her that they were me and told her not to tell anyone else. She was frightened and complied. After finding out what happened, I collected all receipts from her and would like to do something about this.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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Consumer complaint received 2016-01-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Long story short is that Capital One Auto Finance did in fact agree to finance a vehicle on behalf of consumers that they knew would later be rescinded resulting from an ongoing unresolved dispute involving Capital One and XXXX XXXX XXXX XXXX XXXX, Maryland. Capital One conducted credit checks when they knew that there was no real intent to finance the loan. They entered into the contract after they some how systematically discovered that another financial institution agreed to finance the vehicle under more peaceful and less stressful terms. They failed to address the ongoing dispute and complaint filed against them resulting from a previous deal that went wrong. On Sunday XXXX XXXX, XXXX a vehicle that consumers attempted to purchase was in fact repossessed because Cap One rescinded on the deal. On XXXX XXXX, XXXX Cap One agreed to finance the vehicle. On XXXX XXXX, XXXX Cap One agreed to finance a vehicle that failed to operate in Reverse ; thus faulty transmission with that vehicle. Subsequently consumers have filed complaints against CapOne and the dealership seeking to remedy, sever, and abate the contract. Furthermore seeking a clean savage Maryland Certificate of Title as result of the faulty transmission. Cap One has failed to comply. Why did Cap One agree to finance the vehicle when they knew that another source was interested. They knew that there was no real intent to finance pending a previous deal that went eerr/wrong. Why did they feel a need to tamper with the credit process when they knew that the deal would later be rescinded. Failed to notify consumers of their intent to repossess the vvehicle that they knew was no real intent of financing. Clearly there has been an improper misuse of consumers credit information. Clearly this businees is engaging in retaliatory actions ad result of pending consumer complaint. It 's not the consumers fault that XXXX XXXX sold us a vehicle with a defaulted ; failed transmission. As consumers what are we suppose to do?
Consumer complaint received 2016-01-12
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (VA)

I sent {$30.00}. to a friend in XXXX via western union on XXXX/XXXX/2015 from home using my XXXX. The charge was processed and I received a pop ip saying the transaction was being held for review. The funds are still held up and its been 12 days. I have e-mailed WU 3 times asking to either release or resend the funds back to me and they ignore my request. I have called them and still no satisfaction. My friend went to the WU office 3 times to collect the funds and was told they were being processed. After 30 days you cant get the funds back. I want my money put back into my bank account where they got it. I have sent money via WU many times and have a gold card with them and I have never received this kind of treatment. I was charged for money in minutes and do think I am due a refund of this charge. Transaction # XXXX