davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

EquiFax 's Company Response to my complaint : " Thank you for submitting your complaint on [ Date ] through the CFPB Complaint Portal. It is our policy to take each complaint seriously and to respond to complaints. We apologize for the difficulty you experienced in trying to obtain your Free Credit file online. Equifax has mailed a copy of the credit file to you. If you have any additional questions or concerns regarding your Equifax credit file, you may visit us at www.equifax.com or call us at the toll free number provided on your credit report. '' 1 ) I have not received a copy of my Annual Credit Report in the mail as promised. Only received a Dispute response. 

2 ) They are claiming that they do not have copies of my ID in order to provide my Credit Reports and respond to Disputes. I have sent it multiple times with each communication to them. 

3 ) I need to be able to get copies of my Annual Credit Reports and Covid-19 Weekly Reports on-line, which I am currently unable to do on XXXX. 

They need to fix the 3 questions that they ask in order for me to access my Credit Reports. It is currently set up to ask me 3 questions, which all have to be answered with " None of the Above ''. When all 3 questions do not have an actual answer, it doesn't let you get your reports. 

EquiFax has all of my personal information available to them, so there is no excuse why they can not find at least one question that they can provide, that I can actually answer with the answer choices provided, in order therefore get a copy of my Credit Report on-line. 

I need them to fix this At Once.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

On XX/XX/2021 I saw that Experian had reported a collection XX/XX/2021. This collection went violated my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 they said acquired this debt from a medical facility.
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Santander Consumer USA Holdings Inc. (CO)

XX/XX/XXXX XXXX XXXX called multiple relatives and myself in different states claiming to be with each state/county judicial services and leaving messages a warrant would be issued for me if I didnt respond to be served papers. No explanation what for. After contacting XXXX number to be removed and have relatives info removed they refused and refused address for company called XXXX XXXX XXXX. Still insisted the calls are from the courts. This is probably for an old auto loan that had been transferred to Santander in XXXX. These voicemails have been saved.
Consumer complaint received 2021-02-05
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc. (VT)

I have a paid all my debt to XXXX  XXXX XXXX  XXXX XXXX loan nothing is outstanding. 

I declared bankruptcy : XX/XX/XXXX, reference # XXXX Discharged Court : XXXX name : XXXX XXXX XXXX XXXX Dispute Results Report Created On : XX/XX/XXXX File Identification Number : XXXX Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

NTL CREDIT MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Details Account Number # XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$230.00} Original Amount {$230.00} Original Creditor XXXX XXXX XXXX  ( Educational ) Past Due {$230.00} Pay Status >In Collection<
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This so called company is trying to collect on a Walmart card. Number 1 its an old debt. Number 2 I have a letter paid in full and its off my credit. Number 3. Many fake debt collectors try to collect on this one card. Number 4. They refused to validate the so called debt I dont owe this. They know my personal information. Thats scary they hung up on my when I said oh my XXXX about the Walmart card
Consumer complaint received 2021-02-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MI)

A letter to the Consumer Financial Protection Bureau I pay a Mortgage to Wells Fargo bank. 
When the pandemic started Last XXXX. I was not having a problem with making my mortgage payments. But in XXXX the first part of XXXX. I was informed by Wells Fargo that i could enter into a forbearance program. That my missed payments could be deferred until the end of my regular Mortgage period. I was also told If I did not want My mortgage payments to increase. that i could pay an extra amount to the escrow So that my payment would not increase. So i started paying at least {$650.00} a month. In total i have sent {$4300.00} to the Escrow department at Wells Fargo. My regular payment was {$1300.00}. 
Now in XXXX I informed them that i would try to resume paying my mortgage. I am a retired XXXX XXXX. So i really don't have a full time job. So I am making it with the amount I regularly pay. But i could do better if the payment was a little lower. 
But I was just informed that my new payment would be {$1600.00} I am devastated to hear that even though I have paid about {$4300.00} in to escrow that my payment increases Anyway. as If i had paid nothing. My mortgage is an FHA loan., And i Tried to do what was right.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (CA)

after reviewing my credit report I was shocked I have never had any dealings with XXXX and they have a crazy amount on my credit for {$2600.00} it is being reported by IC systems and it does not belong to me i ahve sent multiple letters disputing this over the course of 1 year and have never received any response back. PLease help
Consumer complaint received 2021-02-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC (CA)

I am having a lot of difficulty tracking who owns/who is collecting on a private student loan. At first, I was paying a lender called " XXXX XXXX XXXX '' ( since approx. XXXX ), which then became Younomics at some point in approx. XXXX. Given the HIGH interest rate on the loan, and the fact that I have student debt around {$150000.00}, I worked out a payment plan with Younomics, with me paying approximately $ XXXX towards what started out as a ~ {$20000.00} loan. Given the high interest rate ( which I find unconscionable, and I'm not even sure which loan this is because I never borrowed from a company called XXXX XXXX XXXX  ), you can imagine that {$150.00} is a drop in the bucket. Even after paying for almost 10 years, my principal amount has not gone down. However, this is what I can afford given the amount of money I pay towards other student loans, housing, etc. 

In XX/XX/XXXX, when I tried to renew my payment plan as I had been doing every year for several years, I received a response with a three page document asking for a litany of information that I don't believe a lender is entitled to, including my income, every other loan I am responsible for ( including monthly payments and amount outstanding ), my monthly budget in every aspect ( food, utilities, support payments, insurance, other ), my account balances, my employer, my account numbers, my SSN, etc. It was invasive and I refused to fill it out. The email response I received when I asked why I had to fill out this form when I never had to before was, " This is the new process now. '' It seems unconscionable to me that a lender can change its terms/processes without any notice to the borrower. 

I continued to pay the amount I had been paying and refused to fill out the new form. Since I refused to fill out the form, the payment arrangement expired and my monthly payment amount went up significantly. I can not afford this. The loan then apparently transferred to a company called XXXX XXXX. XXXX XXXX has been reaching out in the last year, and I gather they are a debt collector. I've emailed XXXX numerous times in XXXX asking them to prove they have the legal right to collect on this loan - they have not responded. They have put multiple bad marks on my credit score. 

I understand that I am responsible for the student debt I took out, but I am drowning in student loan payments. This is a private loan that I took in college, when I was 18-21 years old, without any real understanding of what interest, APR, etc. meant. I don't even know which loan this is since it has hopped from company to company so many times and every time I ask for proof of ownership of the loan or a promissory note I signed signaling that the person try to collect the loan has the legal right to do so, I do not get any response. I don't know what else to do, and I don't understand why 15 years later, a $ XXXX loan is still haunting me and now destroying my credit. Please help.
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX of 2017, I opened a checking account with Bank of America. In XXXX of 2017, I deposited a check into the account that ended up being drawn on an account that had just been closed, although I did not know it. My account was immediately frozen. I called customer service, and they told me what had happened and suggested that I go speak to the manager of the bank branch where I had opened the account, who should be able to lift the freeze. 

When I went to the bank to see the manager, I was accompanied by my XXXX  granddaughters, who are XXXX. The manager stared at them, and it was obvious to me that because he was white, he was making a XXXX judgment on me ( I'm also white ) for having XXXX grandchildren. He was very rude to me and told me that because the deposit I made was returned, it caused several checks I had written to bounce. Although the account was not overdrawn, because I had bounced a check in the first 30 days, he said that bank had to close my account. The manager returned to me the money that was still in the account, and closed it during my visit. He assured me that there would be no negative reporting ramifications from the closure, as it was not my fault. 

Recently, I attempted to open an account with a different bank and was denied. I obtained a copy of my XXXX  Report ( as recommended by the denying bank ) to see why I had been denied, and I noted that Bank of America had reported me to XXXX in 2017, indicating they had closed my account due to " suspected fraud ''. This is completely inaccurate. The XXXX report also indicated that I had an unpaid amount owed to BofA as a result of the closed account, which is also inaccurate. 

I contacted BofA several times to request that they remove the false information from XXXX, but the customer service reps I spoke with said they were unable to do so, but could not provide me any valid reason why ( as they agreed with me as to why my account had been closed and confirmed I did not owe BofA any money ). 

The false and negative report by Bank of America to XXXX is preventing me from opening any bank accounts, which I need to do for my small business. I am being harmed severely every day that the false information remains on the report.
Consumer complaint received 2021-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITAL ONE BANK USA - **** Opened Date XXXX XXXX, 2019 Balance {$0.00} I am concerned about the applicability and consistency regarding your new research as well as the late payments pertaining to this specific account and exactly how it is reporting on my credit report. Around 45 days ago I called for an inspection for the reason that I felt the item seriously isn't being documented just recently. To my shock I was given a notice stating that your assessment was fulfilled and that the item had been " confirmed as appropriate. Below Section 1681 ( g ) please make sure to create me personally with a description of the approach designed to ensure the account is " exact '' and post me the name and addresses of persons got into contact with per laws based in the FCRA.
Consumer complaint received 2021-02-05
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 — Problem with personal statement of dispute
Company: Consumer Adjustment Company Incorporated (MS)

XX/XX/2019. I was turned over to consumers adjustment co.and the company that turned me over was XXXX.. which I have no idea who they are and I already talk to XXXX the owner of it and he said I don't owe nothing that I am not even in database ... I have all text and email from this man that states he don't know how this happened. Also I talknto consumers adjustments he couldn't give me any info I asked on me .. you may look into this situation as 2 company 's could be working together.. This has been on my credit since XX/XX/19 and has hurt me on borrowing money as well as getting loans. I will reach out to myXX/XX/XXXX as well. This is a crime and felony and strip me of all my rights and hard work. Someone needs to be held responsible and compensate me as well as bringing my credit score up. I am trying to get my credit right to buy a home .if you need the text and emails from XXXX XXXXXXXX I have them. Thanks please help me!! Scam.. scam ..scam
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX  and TransUnion are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature with XXXX and XXXX inquiry on file of the account # XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion, XXXX  and XXXX  is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. FTC Report attached, Delete XXXX inquiry and XXXX account immediately.
Consumer complaint received 2024-10-21
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. (MS)

The following companies have violated my rights : Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$9900.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$170.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$680.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$540.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (IL)

My mortgage was bought by NewRez on XX/XX/year>, the due date for my first monthly payment. NewRez did not show any record of the advance payment that I made to XXXX XXXX on XX/XX/year>. On XX/XX/XXXX, NewRez 's web portal showed that the XXXX monthly payment was still due. That day I wanted to make a large principal-only payment of {$180000.00} from the sale of my previous house, but the web portal did not allow me to do so until the monthly payment was made first. This was unfair and solely due to the incorrect transfer of the mortgage. I followed up with NewRez via chat the same day ( and several times again ) and I also wrote an email to XXXX XXXX. I was afraid that the matter would not be resolved in a timely manner to avoid fees/fine and I didnt want to lose the opportunity to reduce my interest payments. ( My fear was true because neither company responded for more than 80 days. ) So, I made the monthly payment of {$2900.00} on XX/XX/XXXX and then made the principal-only payment of {$180000.00} immediately after it. Essentially, I was forced to split the large principal-only payment of XXXX into a monthly payment and a principal-only payment. I also made more principal-only payments on XX/XX/XXXX and XXXX. When I pinged XXXX XXXX on XX/XX/XXXX, they followed up because of which NewRez revised the payment history ( attached ) on XX/XX/XXXX to account for the monthly payment I made to XXXX XXXX in XXXX. However, when revising the payment history, NewRez has reposted the monthly payment that I was forced to make before the principal-only payment on XX/XX/XXXX as just the XXXX payment that was made early. The interest portion of this reposted payment is being shown as {$1800.00}, totally disregarding the large principal-only payments I made prior to the XXXX due date. This is unfair. It must rightfully be re-classified as a principal-only payment. Im being gouged of {$1800.00} in interest because of an error made in the mortgage transfer. Neither company is owning responsibility for it. NewRez has been totally unresponsive even though I have filed numerous contact forms with them since XX/XX/XXXX.
Consumer complaint received 2021-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (AL)

Between XXXX XXXX of 2020, I started achargebackagainst  a website for a scam that one of their users made. After I started thechargebackwith my bank, I received an email from XXXX that they published my identity with a driver 's license, home address, and telephone number online for starting thechargeback. 



After that, they refused to pay back my money and my bank closed thechargeback. They werent even charged for the amount of {$410.00}, that was the charge I was disputing. 



In retaliation what they did was send this past due charge toKLSFINANCIAL SERVICES without validating the information and without legal proper documentation. 



KLSwithout verification they started calling me and sending me letters collecting {$580.00} from this website XXXX.XXXX, even when thechargebackwas closed, andthey didnt pay for it. 



I called this company explaining what happened, and they did nothing toconfirmand stop the debt collection. 



They are threatening to send this illegal and fake debt to my credit report if I refuse to pay.
Consumer complaint received 2021-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (TX)

Please refer to my previous CFPB complaints about this matter : XXXX and XXXX I had opened a Checking account with BB & T during XX/XX/XXXX or XX/XX/XXXX. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. Moreover My XXXX payment request is also blocked or stopped. I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times. 
For this I filed a CFPB complaint. Seems to be the case that CFPB is a toothless agency with no powers. CFPB merely forwards the message and do nothing. 
I got the worst possible response from this bank : Neither they will unblock the account nor they will close my bank account and send the balance to me. It seems to me that this BB & T is not a bank but some militia who has their own set of rules. 

Neither they will unblock the account nor they will close my bank account and send the balance to me.
Consumer complaint received 2021-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report.