davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-20
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: F.H. Cann & Associates, Inc. (IN)

I was contacted by XXXX XXXX of F.H. Cann on XX/XX/XXXX. I was advised that they are the current debtor that owned my student loan debt, which was defaulted on. She then advised me of a loan rehabilitation program, in which I would make payments for 9 months ( which had to be automatically paid from my checking account ), and after that time, my student loans would come out of default and I would be able to set up additional payments to keep them paid and in good standing every month. 
I advised that due to my employment status, I was not able to make any substantial monthly payments. After going through several questions about my life, she determined that I could make small monthly " hardship '' payments via their student loan rehabilitation program. 
I consented and she took my checking account information and emailed me some documents to e-sign sign, which I emailed back that same evening ( XX/XX/XXXX ). 
Starting on XX/XX/XXXX my checking account was charged this monthly payment. I was charged every single month on the XXXX day of every month. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - all were electronically, automatically charged by " XXXX XXXX '' ), after which time my student loans should have come out of default. Since that time, I have made numerous attempts to contact this company and have all but failed. I was able to speak to someone on the phone in XX/XX/XXXX who advised me that I had one payment left in XX/XX/XXXX ( which was successfully made ), and after that payment I would receive something from them in the mail stating my loans were out of default. I received nothing. I have since tried making contact with them, only to be transferred to several other companies who they now claim hold my debt. If another company owned the debt, they were required by law to advise me of that, which never happened. I made monthly payments to them and they failed to deliver on their promises. I now have a student loan that I have been paying on which is still in default and I have no idea if any of the money I paid actually even went towards my loans. This is deceptive as well as illegal.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (CO)

I attended XXXX College from XXXX in the Wind Energy Program. I was set up with a loan managed by XXXX Colleges ( who is apparently no longer in business, along with XXXX College/any other colleges they managed ). 

I chose to pay off the loan early in full in XXXX of XXXX. 

However, on a credit report I received in XXXX of XXXX, I had a " negative '' item affecting my credit/on my credit report related to this loan. The information on the report is as follows. Original creditor : XXXX College. Credit Limit/Original Amount : {$1500.00}. Collection Agency : DeVille Asset Management.  Status : Paid, Close. Payment History/Month Opened : XX/XX/XXXX. Payment History, Month Closed : XX/XX/XXXX. 

From the information above, some company related to my loan filed me for collections but then immediately closed it a month later - because I paid my loan in XXXX. Although this isn't showing up on my current XXXX XXXX credit report, a lender who I am getting a mortgage loan through did find it and it is affecting the interest rate I can get for that loan. 

I want this removed from my credit history completely so it doesn't affect anything in the future.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (VA)

What happened? Received email from Equifax, Trusted ID service telling my husband there was a balance change on an account of which he is totally unaware. Called Equifax as instructed on the email he received. Equifax 's 'Protection Specialists ' ARE ONLY available to help M-F! 

Seriously, Equifax created this problem and can only help us M-F! 

We have to wait an entire weekend when somthing awful can be happening with my husbands credit. 

Can you help get faster and 24/7 service for American consumers? 

Thank you
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I attended XXXX College from XXXX in the Wind XXXX XXXX. I was set up with a loan managed by XXXX Colleges ( who is apparently no longer in business, along with XXXX College/any other colleges they managed ). 

I chose to pay off the loan early in full in XXXX of XXXX. 

However, on a credit report I received in XXXX of XXXX, I had a " negative '' item affecting my credit/on my credit report related to this loan. The information on the report is as follows. Original creditor : XXXX College. Credit Limit/Original Amount :  {$1500.00}. Collection Agency : XXXX XXXX XXXX. Status : Paid, Close.  Payment History/Month Opened : XX/XX/XXXX. Payment History, Month Closed : XX/XX/XXXX. 

From the information above, some company related to my loan filed me for collections but then immediately closed it a month later - because I paid my loan in XXXX. Although this isn't showing up on my current XXXX Experian credit report, a lender who I am getting a mortgage loan through did find it and it is affecting the interest rate I can get for that loan. 

I want this removed from my credit history completely so it doesn't affect anything in the future.
Consumer complaint received 2017-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX, I responded to a voicemail that had been left for me by a woman named XXXX. She did not say what company she was calling from, but was calling to respond to a claim made against me with a case number. She said if I did not call back that action would be taken against me without consent. I called and spoke to a person named XXXX XXXX. XXXX claimed to be of XXXX XXXX XXXX, a mediation group who was trying to help me from being sued in court from Wachovia Bank now known as Wells Fargo. XXXX had my address and current information. XXXX claimed that I was in danger of being sued over a debt of {$260.00} from a closed Wachovia Bank account in XX/XX/XXXX. He said the bank was going to sue me for {$750.00}. He said it was unlikely, but that he could discuss with his associates about getting me on a payment plan. I expressed hesitancy and that I thought it was a scam. He sent me a contract that requires my e-signature that now states I owe XXXX XXXX XXXX the above amounts, not Wachovia Bank. XXXX XXXX has my debit card information and has charged me {$100.00} since this phone call.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I applied for a loan modification with Wells Fargo. On XX/XX/XXXX I was informed that Wells Fargo was not going to move forward with my loan modification. I don't understand how in the course of 4 days Wells Fargo was able to review all the documents that was submitted to them. I feel like Wells Fargo didn't give me a fair chance to review my documents, I felt like they rushed to make a decision just so they can kick me out of my house.
Consumer complaint received 2017-07-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

My mother co-signed on 3 loans for my brother and I to attend college back inXX/XX/XXXX-XX/XX/XXXX. Upon graduating XXXX XXXX convinced her to consolidate all 3 loans on an 8.25 % interest rate. I 've tried to see what options I had over the years to get a lower rate but unfortunately have been denied every time. Not sure how complaint all of this is but it is wrong XXXX XXXX badgered my mom into this consolidation. Interest rate it made no sense. It was a money grab.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

OnXX/XX/XXXX XXXX XXXX arrived in XXXX XXXX and made a cash withdrawal at the International Airport. 
A second cash withdrawal datedXX/XX/XXXX appeared on our account allegedly from the same ATM at the international airport. This was discovered onXX/XX/XXXX upon return from XXXX. 
On the day of this alleged cash withdrawal at the international airport, XXXX XXXX and daughter were more than 50 miles away on a vacation excursion. XXXX XXXX was in XXXX during the entire period. No cardholder made this cash withdrawal. 
Despite numerous attempts to resolve this issue with XXXX XXXX XXXX, the only conclusion they can reach is that XXXX XXXX had the card in her possession and had the PIN ( which was not personal as the pin was issued by XXXX XXXX ). 
All undisputed charges incurred during this billing period for XXXX and XXXX were paid XX/XX/XXXX with a subsequent payment for international fee charges and interest on the undisputed cash withdrawal. All subsequent and current balances on this card are related to the alleged cash withdrawal. A detailed time line is attached. There has been no attempt by XXXX to resolve this either as admitting a mistake, determining fraud or providing XXXX XXXX to an excellent customer.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : Experian Credit reporting agency lists a bankruptcy on my report that is not valid. I have never filed for bankruptcy. I have emailed them several times to correct this, but they have not. This does not show on either other major reporting agency, and is not valid information. I request that they remove the listed bankruptcy.
Consumer complaint received 2019-05-20
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: EQUIFAX, INC. (NJ)

The Debt Collection Company XXXX XXXX XXXX, XXXX has been reporting the incorrect First Date of Delinquency to the Credit Bureau for account # XXXX. The First Date of Delinquency being reported to the credit bureau is XX/XX/XXXX. As outlined in the uploaded XXXX XXXX XXXX documents the First Date of Delinquency as XX/XX/XXXX in the reply to CFPB claim XXXX. XXXX listed XX/XX/XXXX as the date they purchased the account. According to FCRA Section623 ( 5 ) ( A ) Date of Delinquency must match that of the Original owner of the creditor ( XXXX ). I tried to request a dispute regarding the incorrect date of delinquency being reported however, XXXX will not allow me to file another dispute. The previous dispute was closed without any resolution. I do not believe XXXX   requested the proper documentation to substantiated the information being reported. Equifax also just completed an account ownership verification and not an investigation of the accuracy of the information as I specified. Please see the Reply provided by XXXX XXXX XXXX on XX/XX/XXXX to Consumer Financial Protection Bureau claim XXXX XXXX, alleging that they are reporting a First Date of Delinquency of XX/XX/XXXX not XXXX. In this case XXXX is alleging that the XXXX and Equifax Credit bureau is INTENTIONALLY NOT reporting the correct Date of Delinquency of XX/XX/XXXX. ( Please see attached documents to support claim ).
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, XXXX I applied for XXXX XXXX credit card. XXXX XXXX sent me a paper with my interest rate based on my credit score. It used TransUnion credit score of XXXX in FICO Credit Score range. XXXX XXXX explained that it is a good credit score ( not excellent ) and therefore I will get a middle interest rate ( 18.99 % rather than 13.99 % ). I have been monitoring my credit score with Transunion and it was 807 ( on XX/XX/XXXX ) using XXXX XXXX which corresponds to an excellent score. I also have an excellent credit score from other two major credit bureaus.On XX/XX/XXXX I signed up with transunion credit monitoring plan to check my actual score on XX/XX/XXXX using historical data but was unable to find it. On XX/XX/XXXX I contacted Transunion through phone ( no other options are available ). I was told that they only have access to my today 's credit score and they can not give me any information about capital one inquiry. To summarize I want request Transunion to release my credit score ( that was reported to XXXX XXXX on XX/XX/XXXX ) to me. In case if there is mistake occurred in my score i want Transunion to report my updated score to the XXXX XXXX.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

On XXXX/XXXX/XXXX, I made a payment of {$190.00} from my bank account. Which left me with a balance of {$99.00}. It is now 2 hours to XXXX/XXXX/XXXX and my account has still not been properly updated. It still shows that my balance is {$200.00}. I last spoke to " XXXX '' Acct. Supervisor about 20 minutes ago ( XXXX XXXX ). I am now being told that my payment is in review???? What does that even mean? My previous 17 payments made in the last 4 months were never handled in this manner. Discover had really let me down. They did n't seem to be bothered in how it 's taken so long to make things right.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I have sent several disputes to Experian, XXXX and XXXX  for correction but everything keep coming back as verified and that is n't the case 1. My personal information has been put on a freeze with XXXX XXXX on XX/XX/XXXX but Experian, XXXX and XXXX states that my bankruptcy has been verified through XXXX XXXX on 3 different occasions and the same for a Tax Lien with XXXX. 2.Experian keep stating XXXX XXXX Credit Card is verified as  Open when my dispute clearly states that it is to be charged off with bankruptcy and after speaking with the company it is still closed so their verification is not reliable. 3.I tried disputing late payments with XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX for student loans but keep getting the run around stating its nothing they can do because my account has been transferred to XXXX XXXX but XXXX XXXX would not address the issues of original creditors 4.XXXX reports late payments from XX/XX/XXXX-XX/XX/XXXX, and XXXX XXXX late payments XX/XX/XXXX-XX/XX/XXXX all when I was under a open Chapter XXXX 5.All 3 bureaus added my old names back to account and will not removed misspelled with pass addresses names off along
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I submitted a letter to Bank of America (mortgage account #XXXX) to cancel my mortgage insurance and I have received no response. I also called on XX/XX/2018 and was told I would receive a response within 7 business days. I have met all the requirements to have my mortgage insurance cancelled based on their requirements. I am including a copy of the letter mailed to them for your review. This unnecessary fee is creating a hardship for me and I am requesting that it be stopped immediately.
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (CA)

The car was returned on XX/XX/XXXX and the last payment on the lease through XXXX or XXXX XXXX was made on XX/XX/XXXX and the receipt along with the California DMV are attached to this showing the last payment made on XX/XX/XXXX and the car changed title on XX/XX/XXXX. the account number is XXXX with XXXX XXXX XXXX and my name is XXXX XXXX XXXX. 
So first the account needs to show closed on XX/XX/XXXX and secondly there ca n't be a past due at all for XX/XX/XXXX as all of the lease payments were made prior to lease end on XX/XX/XXXX. 
They are trying to show a late for {$36.00} for something that is not a payment but a milage assessment that was done after the car was submitted and we did n't even get the bill for the difference until well after so the late needs to be removed for XX/XX/XXXX. 
XXXX/VW when I spoke with them told me that they were sending a letter to the bureaus to remove the late which was incorrect in XX/XX/XXXX but that still has n't happened, and they would not provide me a letter. 

Trying to get a re-fi and this false late is causing problems, and XXXX/VW needs to get this removed now from all 3 bureaus for XX/XX/XXXX and I was never late on the account. 

Thank you.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I 've made several attempts to reach XXXX XXXX at Wells Fargo who was assigned to assist me in getting assistance to modify my loan. These calls began on XXXX 2017. After becoming frustrated I was finally transferred to a supervisor XXXX XXXX XXXX. At that time I was only 6 payments behind. XXXX XXXX then advised me that Wells Fargo had filed a notice of default on my home. I mentioned to XXXX XXXX I need help with a modification and I asked for a reinstatement quote. On XXXX XXXX, I had notice of sale posted on my home. No one from Wells Fargo has tried to assist me in bringing my payments current.
Consumer complaint received 2017-12-04
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONWIDE EQUITIES CORP (CA)

XXXX XXXX of the XXXX XXXX XXXX has been doing a Reverse Mortgage for us. The loan was denied due to underwriting guidelines. Another company was secured that figured out a way to work with the doctor to provide more accurate incapacity letters. A letter from the client to XXXX XXXX, XXXX, XXXX, requested that the FHA Case number be released as well as the appraisal done on XX/XX/XXXX. These requests were made over 3 weeks ago. Finally we initiated a payment for the appraisal to resolve the issue. A check was sent overnight to XXXX XXXX for the appraisal and it arrived last week. Still the FHA case number has not been released, and there has been no provision of the appraisal. Instead of honoring the request he called promising that Nationwide could do the loan in two days. Which is clearly fraudulent as it has to go through underwriting and a process. This money is to provide for my Mom in the XXXX XXXX, and XXXX XXXX as keep us " XXXX '' by not complying to these basic requests. He is now acting unethical and and his delays are causing emotional and potentially financial consequences.
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (TX)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-03-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (PA)

I had a closed TD credit card ( ending in XXXX ) and an open mortgage account. XX/XX/XXXX I accidentally sent an electronic payment from my bank to the closed TD credit card, instead of the TD mortgage account ( which would be fined a late fee after the XXXX, for XXXX dollars ). The TD credit card took my payment ( {$1700.00} ) and never notified me. My TD mortgage department kept calling after XX/XX/XXXX. When I called them, TD mortgage stated that they never received my payment. I told them I sent in the payment and have a confirmation number ( see attachment ). The TD customer service/XXXX department apologized that the credit card account should not have accepted the funds immediately, and should have immediately rejected the funds because the account was closed!!!!. Nonetheless, despite the TD credit card account error, I was changed a late fee by the TD mortgage department. TD mortgage stated that they only allow a customer 1 late fee waiver during the life time of a loan, and I already had 1 ( XX/XX/XXXX ). Because the TD credit card algorithm was flawed and kept my money, I do NOT think I should pay a late fee for the mortgage. TD system was flawed. If I had not contacted the TD credited department, they would have kept/stole my mortgage payment money, while I was held responsible for paying a late mortgage fee, plus mortgage payment. The TD banking system needs to improve their services and accountability when accepting clients money..