davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

i contacted equifax to investigate XXXX collection account in my credit report that does n't belong to me : XXXX XXXX XXXX acc # XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX and XXXX/XXXX for XXXX XXXX XXXX # XXXX i requested documents and proof to validate the debt from the creditors several times and they respond was the inquire or was matter of record and i should contact them which i did and they still not provide me the proof to validate the debt knowing they are violating the FDCPA practices and rules and they wont re-open an investigation even if they never did since it is impossible to do it in the time frame they did XXXX DAYS!
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I have contacted Equifax multiple times to inform them that they are reporting someone else 's Public Records information on my credit file. Some of these Public Records are outdated : One was filed XXXX XXXX, XXXX and another was filed XXXX XXXX, XXXX. There are also 2 others that are more recent but are not mine. I have also contacted the courts to see if they provided Equifax with this inaccurate information and they stated " No. '' Please see attachments. Equifax have different file dates from XXXX which makes me wonder where they get the information. I need your assistance in getting this matter resolved and removed from my credit file.
Consumer complaint received 2017-03-02
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MD)

my wife and I have a XXXX loan. We have never missed a payment.When my wife and I signed the papers we were told it was a fixed rate mortgage. It was not explained how the interest was applied. Interest goes up just about every month. We have requested a modification numerous times, to no avail. We borrowed {$200000.00}. Upon request of the doc 's we learned that the amount that we have to pay over the term is {$480000.00}
Consumer complaint received 2015-10-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MA)

Property damage due to snow load in XXXX 2015. Insurer sent check payable to us as homeowners and mortgagee of record, Wells Fargo Bank. Check was executed and forwarded to Fargo whom received same on XXXX/XXXX/15. Prior to this, all required documentation forwarded to and received by Wells Fargo. We requested to be named XXXX on the property repairs and were initially allowed by Fargo XXXX see paperwork ) and informed on XXXX/XXXX/15 that a check would be issued and requested overnight. On XXXX/XXXX/15, I was informed that a check was not issued as I must have been given " incorrect information '' that we would not be able to be the XXXX on the project and unless they ( Fargo XXXX received a new set of documentation, no check would be considered. Also, the initial check would not exceed {$10000.00} XXXX which is less than 25 % ) and even though I had previous access to their website XXXX XXXX XXXX, I was not granted any further access due to being in a " modification '' status and all communication would needed to done over the phone or that they ( Fargo XXXX would contact me. If a check were to be issued, initial repairs and monies would be need to be provided by me as the homeowner and any monies due to my independent adjuster would need to come out of my own pocket without reimbursement
Consumer complaint received 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TCF NATIONAL BANK (IL)

We have a XXXX and XXXX mortgage with TCF bank. The XXXX mortgage has an interest rate of 6.40 % and the XXXX has an interest rate of 4.99 %. We have had both of these mortgages for a long time and our house is upside down in debt. All we are trying to do is get our interest rate lowered to a reasonable rate. I have, for the past 2 years, been dealing with several mortgage brokers at several locations who say there is nothing they can do, I ask them to pass the information on to their supervisor they take my name and # and I never get a phone call. We have been struggling to make the payments, but have been making them, it would be extremely helpful to get an interest rate that is reasonable.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (MI)

I responded to an Internet banner ad for a {$300.00} bonus for opening a new Key Bank Checking Account. So, I did so online and deposited {$50.00}. But I did not receive a welcome packet and they closed my account ( Account XXXX ) after 10 days. When I called up, XXXX different departments said I had a ten year-old XXXX hit in the system. But that 's way past the limit for XXXX to be keeping it on a file ( not that it 's even mine ). I believe that Key Bank did not check with XXXX, but used their own histories that has data in it older than 10 years. I do not know where they got this flag from as I have never had an account with this banking company. And they said they would hold the deposit for 90 days.
Consumer complaint received 2016-02-06
Product: Credit card — 
Issue: Late fee — 
Company: Paypal Holdings, Inc (NY)

PAYPAL has been charging me {$35.00} fees every possible incident they get. Even after I have paid the minimum or way above the minimum, they still charge {$35.00} multiple times. They charge {$35.00} late fees XXXX on top of another on a charge of less than {$20.00}. Bringing the total to hundreds of dollars after I purchase some thing for less than {$20.00}.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (FL)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking Federal Law. 

According to 15 usc 1681e ( b ) it states this ( b ) Accuracy of report Whenever a Consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 usc 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They are also breaking the laws as well below. 



According to 15 usc 1681i ( 5 ) its states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2017-02-08
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc. (NC)

I am getting collection calls regarding XXXX loans I allegedly took out over 10 years ago. My first issue is that this was approximately 10 years ago and no details as to how I could have XXXX loans ( months apart ) with the same company have not been answered. How if I was in default for XXXX loan, could I take out another at the same branch? My next concern is why we 're he checks that are required to apply, not cashed out? My understanding is loans are paid back by withdrawing the money from the account the check was from. Next, the company was sued for predictory lending practices and barred from offer such loans. I am being threatened with garnishment but can not get any documentation regarding these loans I allegedly took out.
Consumer complaint received 2021-11-04
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: EQUIFAX, INC. (HI)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: JPMORGAN CHASE & CO. (LA)

I received a email from a company claiming they were Chase bank. It said my account had been withdrawn for a purchase I did not recognized. It then asked for my personal info, name, birthday, ssn, and card #. By the time I realized the email was a scam it was too late.
Consumer complaint received 2015-06-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OK)

XXXX, 2015, I submitted a mortgage payment in the full amount owed of {$1900.00} on XXXX XXXX, 2015 to Carrington Mortgage, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. With previous months being current, this payment was to satisfy XXXX 's required principal, interest and escrow payment in full. Although late fees remained unpaid at this time in the amount of {$73.00} for XXXX non-sufficient ACH returns, the full amount of {$1900.00} was received, tracked and debited from my account by my credit union, but not applied to my XXXX balance with Carrington Mortgage. This action caused my account to become XXXX days past due and Carrington Mortgage submitted this payment history to the credit bureau. Upon further verification through my credit union about the payment in question, it was confirmed that {$1900.00} was in fact paid to Carrington Mortgage on XXXX XXXX, 2015. In a good faith effort, I made no fewer than XXXX calls in the month of XXXX and XXXX to Carrington Mortgage 's customer service department and to their immediate supervisors to resolve this matter. The constant response was to deny that XXXX 's payment was ever received and that my best resolution would be to work with my credit union. On XXXX XXXX, 2015, following the instructions of Carrington Mortgage, I submitted a Written Statement Of Unauthorized Debit to receive the {$1900.00} in the form of a credit back into my account so that I could withdraw official cashier funds to re-apply XXXX 's payment to my account. Ironically, XXXX 's payment of {$1900.00} was now due, but still within the grace period were no late fees were assessed. Again, in good faith, I withdrew {$4000.00} total on XXXX XXXX, to cover XXXX XXXX, XXXX and any other fees outstanding on my account. On XXXX XXXX, Carrington Mortgage acknowledged receipt of these certified funds, but chose to apply them in a manner that now reflected an outstanding balance for XXXX, 2015. After several more calls between XXXX my credit union and Carrington Mortgage, I 've concluded this is my final option for recourse to insure the funds I paid are applied correctly and that any negative credit reporting be reversed from my records.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Be advised that this is the third time I have filed this report and at present received no answer also so you have a problem with your system just last week i talked with XXXX your reps she was going to file for me and I was to send additional items thru the mail which i did heard nothing so i called could not get to my account, after talking with her we quitand i proceeded to try again final got thru to my account and what was there was XX/XX/XXXXnothing new including what was sent thru the mail and to top that off i was told that you allwould send me tracking numbers that never happened so again I will explain what i sent, all XXXX Credit bureaus are reporting what was filed under BK instead of reporting BKwhich we were under the impression that BK was to be the only thing reported instead they are reporting what occurred before BK I have talked with them sent letters to no availthey dont give a XXXX about customers, Having been a Federal Officers and and XXXX Speclist for over 37 years Im beginning to think that CFPB is a joke so what doyou think Im sending this this date of XXXX hoping that somweone in your offices see the light and do some processing.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2017-01-27
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CT)

I have a Auto loan with Santander consumer that I pay every month, All of a sudden I have Late fees accrued they claim from 1 late payment XX/XX/XXXX. I called to have this resolved, and it was clearly an out of Country Call center. They emailed me what was inconsistent to what they are explaining to me on the phone. The late fee starts at XXXX and you get charged a XXXX a day. Now flash forward to XX/XX/XXXX and now I owe XXXX with out no notification, I never get statements sent to me and when i logged on, I noticed the XXXX fee, I would of paid the XXXX if i knew about it but they do n't give you anyway to see it till you dig deep. Also My Email address Mysteriously got Changed after speaking with a customer service rep, I could n't reset my password to login and pay and i finally call and they have XXXX not XXXX, It was fine before so I have not received any notifications from these people of payment, Fees, Anything they are Shady. These are Unfair and VERY shady Business Practices. They have about XXXX Consumer Complaints and XXXX pending lawsuit. I feel very insecure paying them XXXX + a XXXX Convenience fee of XXXX every month. This Auto lender NEEDS to be stopped praying on people with poorer Credit. If I am late on a payment, I have no problem paying a late fee, I will not however be victim to these unfair practices by these Thieves.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I am writing in reference to Loan Number XXXX being serviced by Bayview Loan Servicing LLC. The objective of this correspondence is to File a formal complaint against Bayview Loan Servicing in reference to the payoff of my home. 
On XXXX XXXX, XXXX I signed a loan modification agreement with Bayview Loan Servicing , LLC that also had a principal reduction component as part of the agreement. The principal reduction component was for a total amount of {$410000.00}, reducing the principal of the loan over a 36 month period ( modification agreement attached ). 
In XXXX of XXXX, I received an IRS Form XXXX as a cancellation of debt for the total amount of the principal reduction of {$410000.00} ( Form XXXX attached ). I have also, received XXXX separate payoff since XXXX of XXXX that state the amount of the payoff of the loan with the total amount of the principal reduction included. Additionally, I have a taped conversation with an individual from Bayview stating that the payoff amount included the total amount of principal reduction. I have attached copies of all the payoff statements sent to me over the last few months. 
Lastly, I currently have the home for sale. Please assist me in resolving this matter in an expeditious manner and avoid litigation.
Consumer complaint received 2017-01-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (ID)

I notified PENN Credit that the debt did not belong to me. I have asked them to stop calling several times. They call at all hours of the night including Sundays. Sometimes multiple time per day. Phone line they are calling is not 100 % mine to use and there also disturbing and harassing others in the house. Penn Credit CorpXXXX
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IN)

Experian is the only credit report that is reporting XXXX accounts with XXXX that should not be on there. I have disputed this account with the other bureaus and it was deleted. 

XXXX - XXXX XXXX - XXXX XXXX - XXXX These accounts were not verifiable through the FCRA and not validated by the FDCPA & gt ;
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There are several inaccurate address listed under personal information. 
The following addresses actually belong to my daughter who has a very similar name to mine : XXXX separate addresses on XXXX XXXX XXXX in XXXX, WI. I believe this occured when she submitted a change of address form in 2011 through the USPS. We were aware that there were issues with the automatic changing of addresses but were unaware that this was included on the credit report. 
The address on XXXX is also incorrect. My son lived at this address while in graduate school and this error most probably occurred with a USPS forwarding of mail at that time.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (WI)

I co-signed for a private student loan for my daughter in law and when she filed for bankruptcy, the loan obligation transferred from her name into mine. The loan obligation to the loan was reinstated inadvertently to my name - according to AES. At no time did I receive a phone call or letter regarding this issue and as of XXXX XXXX, this started to appear on both of our credit reports, causing catastrophic credit issues. This loan has been past due since XXXX without anyone 's knowledge until XXXX. The past due balance is more than either party can afford and after months and months and several attempts to resolve and issue a feasible payment arrangement with AES, we are still being told there is nothing that can be done. We were told that AES will reach out to the original lender ( which is no longer active ) to see if they can work with AES to resolve the past due and bring the loan current but we still have not received an updated status and we have been calling weekly. We would like to pay on this loan and move forward but we can not find any help. We just bring the past due balance current and remove the past due fees that have applied due to the fact that AES never informed either party that the loan was reinstated. My daughter in law has been paying current loans with AES timely and was never informed that this loan was past due until XXXX.
Consumer complaint received 2017-03-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (LA)

Due to a recent repossession in 2016 I should be no longer in debt to the finance company since vehicle was confiscated which means I am no longer in debt to finance company and should not be reporting negatively on all XXXX of my credit reports.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

I have been trying for over Four years to get a Loan Modification from my servicer ASC / Wells Fargo, They have obstructed me in every way by losing the documents & changing the managers over & over & has made it impossible for me to get the modification, & recently XXXX issued a New Directive to all Mortgage Servicers for Principal Reduction Modification & I am well qualified & so I contacted my servicer & they are giving me the run around again.