davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I did n't in contact with multiple people at Wells Fargo home mortgage. I have been given the runaround and been transferred to multiple different people. When I asked for payment arrangements, I was directed to XXXX. Who told me I need to submit all this paperwork from pay stubs, to tax returns, tax transcripts, etc. It appears as though I was either applying for a loan or doing a refinance, based on all the paperwork they was requiring from me and multiple people in my household. 

All I asked was for payment arrangements. That 's it, I do not understand why all those paperwork from multiple different people in the household just to get a payment arrangement. The paperwork they was asking me is so much. They want everybody 's paperwork in the household and they said I have to submit all that just to see if I could get approved. For payment arrangement only. 

When I said I rather just pay it off in full, I was directed to XXXX at Wells Fargo. She said she was looking into the extension and would be able to give me an extension for 30 days. However, I had to wait for her to call me back to see if that was okay. I had called her multiple times and have not heard back from her. I also have sent her an e-mail and she still has not replied back to me.. 

The money what I owe is due tomorrow XXXX XXXX, As of today nobody came back to me with an extension or even return my calls or emails. I am still asking for the extension. And I would appreciate if somebody would get back to me. I do not want to loose my home. I have my wife, children and the elderly person I need to worry about. They ca n't be left in the streets.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I filed a XXXX complaint against XXXX XXXX XXXX on XXXX/XXXX/XXXX for inconsistent credit reporting for a repossession in XXXX XXXX ; after numerous disputes with the creditor ( XXXX XXXX XXXX. I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the XXXX XXXX XXXX/XXXX/XXXX XXXX, this company has been reporting this account closed XXXX month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5 days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the XXXX complaint below.
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My loans were transferred to another loan servicer. Before my loan was transferred they were in deferment status. XXXX are still reporting on my credit as late and failed to pay even though they no longer own my loan. Those loans are still being reported negatively on my credit report for all three credit agencies. I called and emailed XXXX several times to no avail. These negative black marks has had a negative impact on my credit score and they are stopping me from completing the process of purchasing a home.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

A mistake was made in XXXX systems and inaccurate information was sent to collections with out notifying me in the beginning of XX/XX/2018. On XX/XX/2018 the account was disputed and deleted from my credit and no longer shows up on my credit and XXXX admitted fault shortly after disputing and sent a letter indicating I had experienced fraud. Now XXXX is saying I owe the amount again since the collections company ERC ( Enhanced Recovery Co ) neglected fixing the account and when contacting ERC they state that the account was disputed twice that it was never deleted. I sent in proof from XXXX showing the amount was disputed and deleted with the exact information that they were accusing me of to XXXX. The company instead ignored the information I submitted and sent false information to the XXXX  as well as the Attorney General saying that I am liar and they are correct when I have more than enough proof about everything but I have no one to submit it and they take the word of the company over mine all because ERC never fixed the account since its not even on my credit and it was disputed back in XX/XX/2018 as inaccurate and XXXX admitting fault as well. ERC tried getting me to pay half for an amount that is because of fraud. My credit was damaged and XXXX had to run my credit again and followed my account and will not fix the issue because ERC and XXXX are negligent even with proof and are trying to scam me into paying a balance that isnt mine or on my credit. Is there no way to show my validation instead of just taking what the company claims making me waste hours out of my day and making me go in circles.
Consumer complaint received 2017-10-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (NC)

I have been a full time XXXX XXXX XXXX XXXX since XX/XX/XXXX. I completed a XXXX in XXXX in XX/XX/XXXX. During my time at college I had to take multiple student loans to pay for my education. The loans included Stafford loans, Perkins loans, and Key Alternative loans. The companies involved are XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX XXXX ), Wells Fargo Bank, and finally XXXX. 
I feel that I was pressured and talked into multiple consolidations that overall were very detrimental to my loan balance. I pursued a career in XXXX XXXX because I knew that after 10 years of service I would be able to receive loan forgiveness in my federal loans. Since the majority of my loans were federal this in theory would have worked out. I was unaware at the after consolidation to a private company this would not be available anymore. The company such as Wells Fargo did not adequately relay this information to me and talked me into the consolidation. 
I have just about all of my loan statements. 
I consolidated one last time with XXXX just because they offered one of the lowest rates. I feel that the companies first listed defiantly preyed upon me as a college student with little money. At this time my balance is XXXX, XXXX this after almost 10 years of full on time payments. At this rate I could have been an XXXX.
Consumer complaint received 2017-10-24
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: JPMORGAN CHASE & CO. (TX)

Several times I have communicated with chase bank, XXXX and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is Chase Home Finance XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence Chase bank, XXXX and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.
Consumer complaint received 2017-10-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

XXXX bought my mortgage from another company in XXXX this year. For 6 years I had not missed a payment but once my loan was transferred I 've had issues trying to give them my payments and set up auto payments, ranging from not knowing the account was ever bought by XXXX, to continual issues logging in to their site to pay ( even at this moment I get an error upon attempting to log in XXXX, to not being able to get through the automatic voice system, to incorrect auto payment set up and never hearing about it until my home went into default for a second time and credit agencies being notified - all this despite the home payment being well within my affordability. 

After 8 months, my first improper credit ding was said to have been submitted to credit agencies for correction, while at the same time, unknown to me, my auto draft was n't pulling from XXXX/XXXX/2017 to XXXX/XXXX/2017, so on XXXX I received a letter from XXXX stating that they were in foreclosure proceedings and that credit agencies had been notified again. The payment on this home in less than {$600.00}, which is less that 10 % of my monthly income and I 've never even had a credit card nor am I behind on any other sort of payment ... my ability to afford payments is NOT the issue, yet they have seriously impacted my credit score.
Consumer complaint received 2018-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc. (TX)

I had discovered XX/XX/2018 that an account was charged off and sent to collections. I reached out to the account holder directly and was re directed to the collection agency. I spoke with an individual and had expressed interest in resolving the matter, and he had indicated that he was seeing another account that was removed by the credit agencies and remarked with a " do not list '' from the credit agency. I asked for a copy of that letter and was denied. the representative had also stated that as long as I keep to the current arrangement then he would not re list the other account. 
I have attempted to contact this agency to discuss the matter but have not been able to reach them for comment.
Consumer complaint received 2023-07-17
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. (CA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$25000.00}
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-07-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (AL)

I discovered when I purchased a vehicle earlier this month that Home Depot listed my account as being past due by 90 days back in XX/XX/2015. I checked my email to see if they sent me monthly statements and there were no statements. Only when they notified me they were seeking a judgement against me did I receive a statement. It is the one and only time that I was late on any credit card payment, and it is affecting my score. Home Depot continues to let me use my credit card in their store, so they don't mind me using their card. I request this action on my credit score be removed and my credit restored to what it was before this unfortunate lapse in memory and their lack of sending me a monthly statement.
Consumer complaint received 2018-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (IL)

During my conversation with an Associate ( XXXX ) with XXXX ; I had requested to defer one payment on my Installment Loan ( # XXXX, Monthly Payment of {$270.00} ) to the end of my Loan ( XXXX, 2019 ) ; due to the fact I lost my job. 

Consequently, I was told by the Associate they couldn't honor my request.
Consumer complaint received 2019-01-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery Associates are not only trying to collect a debt larger than I believe I owe but debt may be past statue of limitations and they're doing it in a harassing and illegal manner. They call my home phone and cell phone multiple times a day from different spoofed numbers from different states. They are breaking the fair debt collection practices daily.. I would like them to work with me on the debt I actually owe - the original debt was for no more than 750.00 while they're trying to collected over 1,400.00 with " fees '' and doing it in a hostile and illegal way.
Consumer complaint received 2021-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

XXXX did not address that when they took over the account from Navinet they added {$74000.00} to the amount Navinet had as last balance ( {$86000.00} + {$65000.00} on XX/XX/XXXX ) and they also did not address that they have charged interest on the subsidized loan. In fact its not clear if the consolidation ever kept the subsidized portion as subsidized in the first place. I was on XXXX and signed to have the loans consolidated and both these companies put massive amounts on top of my loan. At the time I was very ill and put on SSD ( XXXX from XXXX to XXXX ). I was given option to consolidate to give more time and didn't realize the amounts were so much more then I actually borrowed due to exurbanite fees put on by consolidation. The full transaction histories are included as attachments here. While I was on XXXX the only relief they offered was to give forbearance and deferments although I have learned that during the time I was XXXX I could have had these loans forgiven. Navinet also put {$26000.00} onto the total when they consolidated the disbursements which totaled {$120000.00} on XX/XX/XXXX. Navinet is unresponsive as they no longer hold the loans and just send me the same information I already have from the federal student loan site. I still do not see how my totals legitimately increased by a fee of {$26000.00} when consolidating with Navinet  from the {$120000.00} ( XX/XX/XXXX ) owed in individual loans and then again another {$74000.00} when consolidated from Navinet to XXXX from {$150000.00} ( {$86000.00} + {$65000.00} ) to {$220000.00} XX/XX/XXXX.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (TX)

I keep getting unwanted phone solicitations from this company claiming to be chase bank to give me better credit options. These calls come on my personal phone during my work hours. The number they called me from was XXXX. They called me 3 different times in the same hour CST today XXXX18. Time 1 : XXXX ; Time XXXX. ; Time 3 : XXXX. I was unavailable working with my caseload when these calls occurred and it was very disruptive to my professional work ethic to be interrupted. I am on the national " Do Not Call '' list.
Consumer complaint received 2018-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I am currently being garnished for a vehicle that I did not purchase. I have made several attempts to find out who purchased this vehicle in my name but was not successful. I reached out to General Sessions Court and the Attorney who was handling this matter and no one returned my calls. It has been very difficult for me to live financially with this garnishment coming out of my pay. According to their records the car was purchase when I was a minor.
Consumer complaint received 2019-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (AR)

In XX/XX/XXXX Diversified Consultants began illegally reporting an amount of {$59.00} on my XXXX, XXXX  and XXXX  which has severely impacted my credit. On XX/XX/XXXX I wrote Diversified Consultants and requested under FDCPA, 15 USC 1692g Sec.809 { b } for validation of the following information : 1. What was the amount owed for 2. Explain and show how they calculated the amount 3. Provide copies of documents that show I agreed to pay said amount 4. Provide verification or copy judgement if applicable 5. Identify creditor 6. Prove statute of limitations is not expired 7. proof of license to collect in the state of Arkansas 8. Provide license numbers and registered agent or agent of services. 
Diversified Consultants to this day has not provided any of the above requested information within the 30 days requested or required. 

I am writing this today on XX/XX/XXXX to bring attention to the unscrupulous collection protocol of Diversified Consultants. And to demand that the collection account # XXXX be permanently removed from my credit reports! 
Diversified Consultants has been given ample to time to comply. 
In the letter dated XX/XX/XXXX Diversified Consultants was instructed that all contact moving forward be in writing and to not call my place of business or home. Diversified Consultant violated that request on XX/XX/XXXX at XXXX XXXX  by calling me and requesting that I verify the last four digits of social security number and address. I politely stated that all contact has been requested to be in writing and I ended the call. 
I am demanding a cease and deceits of collections and reporting to any and all credit bureaus and that all collections by Diversified Consultants be removed from my credit files and reports immediately! 
Please see attached 6 documents of proof of all information communicated. 

Thank you, Sincerely XXXX XXXX
Consumer complaint received 2018-12-19
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. (NY)

# XXXX account this account is NOT mine! I have contacted Equifax over 10 times to fix this account that isn't mine. They show no proof of where they verify this. I have even sent them proof of my investigation to this said company and got a response saying that they do NOT have such account for me. So Equifax needs to delete this asap! This is called defamation of character & fraud keeping a account on my report that isn't mine! I want a supervisor to contact me concerning this or I will be filing this in small claims court as my right to fight for this inaccurate information that they have been reporting.
Consumer complaint received 2019-01-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: AmeriCash Holding LLC (IL)

XXXX XXXX, sent a letter to my employer treating to garnish my wages. I asked the company not to contact my employer and I also told them i need o pay my loan with a different account. 

They have called me more than 5 times a day even at work.
Consumer complaint received 2019-01-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Opened a XXXX XXXX account in XX/XX/XXXX. On XX/XX/XXXX a capital one online pmt posted to account for XXXX and was not my transaction or authorized by me. I contacted Capital One on XXXX to have resolved. On XXXX the money was put back in my account but was effective on the day posted - XX/XX/XXXX. There was an interest amount for one day interest credited on XXXX as well. The amount withdrawn should have been posted to my account effective XX/XX/XXXX so that I was not harmed on interest. The interest payment should have been effective XX/XX/XXXX as well. I have called 2-3 more times to try and get them to fix the errors on the account and make me whole and so far nothing has happened. They do not call me back to let me know what is going so I have to keep monitoring, calling them back and explaining every thing all over again. 

We are not talking about a lot of money ... .Depending on how they compute the interest it is ether 1.07 or 1.43 in interest for XXXX or 4 days that I should get that right now I will not get as the money was not in my account on XXXX, XXXX XXXX and was finally put back on XXXX.