davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I 'm getting nowhere with these CRAs so I 'm complaining against each of them. I keep receiving results stating that these items have been verified but I know for a fact that congress is very clear when they state that the FCRA can not be " interpreted '' and that once I notify them that their results are wrong, they have to go beyond the original source of information, which they have not! I asked to see the documentation that they are using and I never received anything. I also did n't receive the procedures used to verify or investigate. Congress also states that the only way that an account can be verified is by having firsthand knowledge and using XXXX to do their " investigations '' is NOT legal verification. I also have accounts that were previously deleted that were reinserted without notification which is in violation of the FCRA and I did notify them and nothing was done to remove the reinserted accounts. 

Here are my disputes with Equifax : XXXX XXXX I told you that you have the wrong balance on this account and that I do n't owe the amount listed on my credit report. You also have the wrong open date listed and all XXXX bureaus are showing something different, so can you explain to me how you are verifying the open date of this account when they 're all different? 
XXXX XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I 've already told you that the balance listed is n't correct as well as the account type and the status of this account. I do n't have a charged-off or account in collection with this company. 
XXXX XXXX XXXX failed to legally verify, please remove pursuant to section XXXX of the FCRA XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I told you that this account as not charged-off, which means that the date of last activity is not right and you have the wrong balance. I do n't owe anything on this account XXXX the open date of this account is totally wrong XXXX XXXX You are now in violation of the FCRA, as I already notified you that this account was removed on my XXXX/XXXX/16 report and was reinserted on my XXXX report - report - you did not notify me of this reinsertion pursuant to section XXXX XXXX show me the proof that you have this account listed 100 % accurately. I told you that the account # and balance are wrong and you did n't do anything about it, did you?
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to complain against XXXX, Transunion, and XXXX. This company XXXX XXXX put a XXXX inquires on my credit report. XXXX for XXXX, and the other XXXX for XXXX. XX/XX/XXXX and XX/XX/XXXX. They are calming that I did not pay XXXX and I had a dog that died. I called the company and cancel service, and was told that they were sorry for my lost and all I needed to pay was my cost to get my dog cremated and that was what i did. I really want this removed from my credit report.
Consumer complaint received 2016-11-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Platinum Holdings Group, LLC (PA)

I received a phone call from a XXXX at Premium Assests Services on XXXX/XXXX/2016 while at work concerning a debt though a Payday loan service. I informed here that I have never had a payday loan and not to contact me at work as I work at a XXXX. They then contacted my parents. I have no idea how they received that information. I have asked them several times not to contact me over the phone and to send me a debt validation letter. To date, I have not received this letter. Today, XXXX XXXX, from Premium Asset Services, called my place of employment and spoke to the HR director giving him my SSN, DOB, and address. This is a breech of my personal information and a clear violation of the Fair Debt Collection Practices Act. I want these people to stop these collection practices without me even knowing what the debt is in the first place.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (NJ)

My lease matures on XXXX XXXX and the car is due back within 10 day so maturity. In the beginning of XXXX, I called the US BANK to confirm that my final payment submitted cleared my financial obligation excluding charges for excess mileage, wear and tear etc ... They confirmed that I had satisfied my lease and in fact had a {$29.00} overpayment credit. No funds were due to US Bank. Today, XXXX I received an invoice from US BANK for {$430.00} due for XXXX. Confused I called the bank. After significant hold time, the first agent confirmed I owed nothing and had a credit. But, she could not explain the bill. After a transfer and hold time, second agent explained that a " computer sends the bills. '' I explained that this must be illegal, as I do not owe them anything and had I not called, I might have sent them the {$430.00}. She said that it was just an error and I could ignore it. Not satisfied, I requested that I log a complaint. She transferred me to billing. After 20 minutes holding, a clerk got on the phone and told me that the bill was " just in case '' we wanted to lease month to month. I explained, that it says nothing about that on the invoice ... it just says Payment due for XXXX. I received no letter or mail indicating that the car was available for month to month leasing after the terms are satisfied. And, on my XXXX calls to customer service in the past in preparation for the car inspection and return, no one had ever mentioned anything about keeping the car month to month and paying a fee that is less than my original lease. She was insistent that this was common practice and US Banks only intent. This is clearly US Banks attempt to fool customers into over paying against a balance that does not exist. In any other business this would be considered stealing under no uncertain terms. It is clear fraud to present an invoice for an amount you do not owe. The US BANK should not be permitted to continue practices like this.
Consumer complaint received 2016-11-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

I voluntarily gave a car back I had less than 2 months due to this company having poor customer service and the car had too many problems. They took me to court less than 2 weeks after I gave them the car back and filed a default judgment before the 20 days I was allowed to respond without making any contact with me to do a payment plan for the remaining balance or any efforts to collect the debt. In less than 30 days before I even knew there even was a judgment, my wages are getting garnished and I never received any notice that my wages were getting garnished until I looked at my pay stub. I took them to court on XXXX to lower the percentage being taken out of my check from 25 % to 18 % yet they were still taking over 25 % of my check every check. On XXXX XXXX the balance was paid in full but they never filed a satisfaction of judgment with the courts. The beginning of this year I was told by the courts to contact them to file the satisfaction of judgment so I can give that to the credit bureau to get it off my credit. They are not only refusing to file it they claim I only paid {$2600.00} and I still owe them {$3900.00} but wo n't tell me that directly when I ask them for proof by giving me their accounting logs. I paid them {$6500.00} and have proof of that. I feel some sort of consumer fraud is happening on their part being they 're trying to double collect on a debt that has already been paid. They even changed the case number when submitting it to my employer for the second time making my employer believe it 's a new case for garnishment. They also keep sending any required papers to my old address from four years ago when they have been given my current address to try and get what they want without me being able to respond to it and it possibly being denied.
Consumer complaint received 2016-06-25
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank Of America has reported my home equity as past due to the credit agencies. This is not correct, as the account has been paid as agreed. I believe the bank has committed fraud. 

SUMMARY OF EVENTS : The BOA refinance dept was contacted back in XXXX, XXXX to redo the loan on my current home equity loan with Bank of America. The loan was expected to expire in XXXX, XXXX. 

I was asked to provide information such as income, tax returns etc.., which has been provided to them. They acknowledge that everything that was required has been received. It still has not been sent to their underwriters, I am constantly on the phone with them to follow up, not sure what there incentive is to slow this process down, other than trying to put the loan in foreclosure. After speaking with other bankers I have been told that to do modification the account has to be past due, so they manipulated the process by reporting this account as past due, even though i have never missed a payment.
Consumer complaint received 2016-12-28
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Service Bureau (FL)

I have been paying on this medical debt from XXXX for XXXX XXXX operations. 

XXXX turn the amount owed over to Professional Service Bureau XXXX MN XXXX, Phone XXXX 

PSB states they will keep calling even though i am making the monthly payments on time How can it stop this PSB not happy with the amount of payment
Consumer complaint received 2016-12-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

On or about XX/XX/XXXX/XX/XX/XXXX A call was placed to Wells Fargo stating a reduction and inevitably a loss of job occurred, the associate took my information ask for a couple of documents that was submitted immediately and approved ( unemployment ) a memoriam forbearance agreement. I had to pay a reduced amount for XXXX months and at the completion of the forbearance I would be able to resume my regular monthly payments and the difference would go the the end of the loan. At the end of receiving my memoriam payments they stopped accepting payments. 

Wells Fargo then asked for additional documents as is they were going to do another modification although the agreement was to put the difference at the end of the loan. I supplied the information requested, that started years of additional documents requested almost every XXXX days. Forcing the home to go into Foreclosure status. 

I believe they are in violation of truth in lending practices as well as ethical procedures. Approving me of a In Memoriam and converting it to a modification. 

Since then I have requested numerous modifications ( although I should have been in Memoriam per agreement ) Ive also request the HAMP and HAMP XXXX programs and have not been successful to date. I believe Wells Fargo and its investors intentionally tried to block my payments and force a foreclosure procedure on my property. This home is not upside down like the rest of the homes and they have not tried to help " the homeowner '' since the " homeowner thru taxpayers have bailed XXXX out '' of the financial crises.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (OH)

I have contacted our current loan servicer, Freedom Mortgage by phone in order to recast our loan. I was told to put my request in writing and fax it to them. I did this in XX/XX/2016. Since then I have received letters stating they are looking into my inquiry, but no satisfactory response has been provided. It has been over 90 days now and they continue to '' research '' this issue. I called again to spoke with some one in customer service last week. She actually knew the term re-cast and told me I would have to pay a 20 % downpayment in order to recast. My original loan was with XXXX and I have the terms of the loan stating that I can re-cast at any time with a 10 % downpayment. I have sent this information to Freedom Mortgage as they are to honor the original terms of my loan and not change them just because my loan was sold to them. At this time I feel I need help just trying to recast my loan which should n't be an issue, but it has become one. By the lender 's delay in proving me specific instructions on how to re-cast, I have had to make XXXX payments at the higher amount. I want to make sure my 10 % downpayment is part of the re-cast process, and not merely a payment toward principle. No one has been able to provide instructions, nor do so in a timely manner. I have waited XXXX months now with no help from Freedom Mortgage.
Consumer complaint received 2016-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo is my mortgage holder. I have been trying to modify my loan through the home preservation program since XX/XX/XXXX. It is always the same thing, " we have all the documents we need, they will be sent to underwriting ''. Without fail I am then contacted ( sometimes ) by email or letter that additional documents are needed ; as well as the original documents which now ( according to them ) has expired. My " specialist '' never returns my calls or emails.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this this complaint on XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2016-12-28
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (AZ)

My wife and I applied for a Home Equity Line of Credit with Wells Fargo Bank. The phone rep, XXXX, obtained all of the information. Based on our mortgage balance and the estimated value of the home as well as income figures, he offered us a loan of {$33000.00} which was more than we were asking for. We lifted the credit freezes we have for protection. Our XXXX scores were above XXXX. Wells Fargo ran our credit reports and denied our request for a HELOC based on Loan to Value. We complained to Wells Fargo that they misrepresented, mislead us and committed fraud. The application should have stopped with the phone rep based on loan to value since he had the figures. The file was re-opened by XXXX XXXX, a supervisor, who said XXXX had entered incorrect figures for income ... he had used net instead of gross amounts. We were then conditionally approved for {$33000.00}. Documents were provided as requested. We were then denied a second time for loan to value and income/debt ratio. We feel that Wells Fargo committed fraud by misrepresentation, was misleading, provided false information to us, and made false statements to us. They had all of the loan to value and income to debt figures when the original and corrected application were submitted. They should have known then and there that we did not meet their criteria for the loan. They should never have run our credit reports based on the information they had. Now our credit reports show a hard hit and a declined credit request. We are asking that the credit hit from Wells Fargo and the declined credit be removed from both of our files.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This account was listed as a insurance claim on XX/XX/year>. All the information that is being reported to the credit bureaus is inaccurate. XXXX XXXX XXXX XXXX hasn't sent none of the information to me that they keep reporting to you in the feedback. They did not provide the original XXXX nor did they send me a offer letter. I can't access this account on their website because they locked the account years ago. They have been sending the corresponding letters to the online portal and not the address I have on file. So, therefore I never received letters from them via postal mail. 

15 U.S. Code 1679c I have the right to dispute inaccurate information on my credit report. 
Since XXXX XXXX XXXX XXXX has reported inaccurate information on my credit profile that is not verified or accurate it has to be removed. The reporting of this account is wrong and all the dates are wrong. Also, they didn't ask for my permission to report this account to the credit bureaus. I want this account removed immediately. 15 usc 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 USC 1692g they did not provide the correct validation of this debt if the debt was paid off by the insurance company.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (OH)

Opened Wells Fargo Cash Wise Visa Signature Card on XX/XX/2016. A balance transfer of {$13000.00} and a balance transfer fee of {$390.00} were posted to the account on XX/XX/2016. The following payments totaling {$1100.00} were applied to the account : XX/XX/2016 {$390.00}, XX/XX/2016, {$390.00}, XX/XX/2016 {$340.00}. The first statement was issued XX/XX/2016 showing a minimum payment due of {$520.00}, including {$390.00} to cover the balance transfer fee. When contacted Wells Fargo refused to apply prior payments to first minimum payment although they were made prior to the first payment due date. Their only solution was to return the funds which they had previously accepted, but returned funds would not be received from Wells Fargo prior to first payment due date. Wells Fargo has purposefully, and deceptively increased the first payment minimum payment without applying payments made to the account prior to the first payment due date, specifically for the purpose of encouraging default and increasing fees and interest rate.
Consumer complaint received 2017-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Nationstar Mortgage Company purchase my home loan approximately six months ago. My monthly payment is supposed to be {$1700.00} per month by contract. However, Nationstar constantly charges a late fee of {$10.00} when the payment is not in fact late. This is almost a monthly occurrence. The latest incident is for my XXXX 2017 payment in which Nationstar charged this {$10.00} late fee, but no details " why '' any payment was allegedly late. The XXXX 2017 mortgage payment was received by Nationstar on XXXX XXXX. I can only imagine how much money Nationstar has collected from other customers who did not question their alleged " late charge '' that was not in fact late.
Consumer complaint received 2016-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (IA)

Fedloan Servicing was changing my repayment plan to an income contingent plan. During the filing process they let the loan become delinquent and reported it 60 days delinquent in XX/XX/2013.
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

I issued a Dispute Letter by certified mail on XXXX XXXX, 2016, which certain items were verified. I then sent by certified mail on XXXX XXXX, 2016 requesting Method of Verification and to provide me a complete copy of all information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. Equifax failed to comply with proper response within the time required by the FCRA regulations.