davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (KY)

Us bank allowed my now x- husband to resign a loan on our house without me beigining there and he was able to forger my name and my co worker, which is was convicted of forgery for it and forced me into bankruptcy when I tried to do a charpter XXXX they would not work with me because of him. 
they filed nothing on my x husband and I have to file the charges and now they have put it on my credit report and it should not be there, 1 - I filed bankruptcy on them 2- they allowed to forger my name I was told to contact you to get this removed
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (PA)

In reviewing my most recent EQUIFAX report, I noted " hard inquiries '' were made into it by XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX on XXXX/XXXX/XXXX. As all three were to have been done as " soft '' inquiries, I want EQUIFAX to delete them ASAP as required by Federal Consumer law. I have asked REPEATEDLY for this to be done and have had no resolution.
Consumer complaint received 2016-05-12
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (NM)

Direct Express/Comerica failed to stop an automatic payment I had set up on my account for XXXX XXXX. Direct Express/Comerica then processed another payment from XXXX XXXX after my stop order and is therefore unauthorized. They are now trying to shift the blame to me ( this was not my faulf ) and are refusing to return the money ( {$46.00} ). What transpired in trying to have this corrected is nothing short of surreal due to the reprehensible behavior I encountered. Im attaching a full statement and supporting documentation for my case.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (VA)

An account on my credit report has a mistaken date. I mailed in a debt validation letter to allow XXXX to correct the information. I received a letter in the mail, stating that Experian received my correspondence and found it to be " suspicious '' and that " I did n't write it ''. Experian 's letter is worded to imply that I am incapable of writing my own letter. I was deeply offended by this implication. 
I called Experian to figure out why my letter was so suspicious. I spoke to a representative who was incredibly unhelpful, She did not effectively answer any questions I asked of her, and she kept ignoring what I was saying regarding the offensive letter and my dispute process. I feel the representative did what she wanted to do, and I am not satisfied. It is STILL not clear to me why I received this letter. I typed this letter, I signed this letter, and I paid to mail this letter, yet Experian willfully disregarded my lawful request. 
I am disgusted with this entire situation, and I would like for my dispute to be handled appropriately, and I would like for an Experian representative to contact me and give me a real explanation for this letter.
Consumer complaint received 2015-10-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I recently made an inter-state move XXXX. A few weeks after I l moved into my new apartment, I received a letter requesting that I pay a balance to " Portfolio Recovery Associates '' for a credit owed on XXXX XXXX credit card. I have never had a XXXX XXXX XXXX, and the letter was addressed to somebody with my surname but the wrong first name. I ignored the issue figuring it was a scam. I just received the second letter from the same company, this time claiming to be owed a debt on XXXX XXXX Credit Card. I do own such a card but have no outstanding debt.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

CA N'T GET MY FREE ANNUAL CREDIT REPORT FROM EXPERIAN. THEY GIVE NO REASON WHY, JUST THAT SOMETHING PREVENTS THEM FROM GIVING IT. ALMOST EVERY YEAR I HAVE TO FILE A COMPLAINT TO GET IT, INCLUDING LAST YEAR. I HAVE NEVER HAD A PROBLEM WITH THE OTHER XXXX CREDIT AGENCIES AND I GET ANNUAL REPORTS FROM ALL XXXX FOR MANY YEARS. I NEED YOU TO FORCE EXPERIAN TO GIVE ME MY FREE ANNUAL CREDIT REPORT, LIKE YOU DID LAST YEAR, AND TO CORRECT THEIR SYSTEM SO I DO N'T HAVE TO FILE A COMPLAINT EVERY YEAR.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

We fell behind on our mortgage a while back, the company we originally signed with, XXXX XXXX Loans, sold to Bayview Loan Servicing and we did not get informed of this as it was happening but rather thru the bill. Life happened around us, our oldest daughter had a XXXX that resulted with XXXX her mom. This daughter kept us occupied along with my own struggle of XXXX and my husband working XXXX jobs to try making ends meet. We did n't and fell further behind. We were approved with a XXXX program, but the 3rd month a submitted payment a couple days too late. We reapplied, over and over and over. Each time we were given hope it would be approved due to our medical hardship. This has dragged on For nearly 5 years. They delay with several letters at once, each contradicting themselves, even a lawyer looked over our papers and said as much. She of course told us we have a lawsuit against them. We just want to make our mortgage right and keep our home. Of course with " bad credit '' we ca n't get a loan to pay our past due balance and the mortgage company has put us off for so long we are in a foreclosure process. Again, we desperately want to keep our home and looking for answers to do so.
Consumer complaint received 2017-01-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (MO)

Comenity Capital Bank approved me online for a XXXX visa account. I was sent cards and activated them. I went to use the card not even a week later and was declined at the merchant. I called customer service who advised me that my account had been closed and I would get a notice in the mail explaining why. I have never experienced the revocation of an approval before ... especially after i was just approved. I contacted the Consumer Relations department who informed me of the same and that the bank could close my card at any time. They indicated recent inquiries ( I am working on rebuilding my credit ) as the reason why and that my account was too high of a risk and no further consideration would be made. I expressed concern with the fact that the application should have never been apparoved if that was the case. Now i would have not only an inquiry on my credit, but a short opened account that was then closed by the grantor. I can reasonably explain my situation and have had accounts in good standing with the creditor in the past. My card should be reopened as it was originally approved or all indication of an account removed from my credit report. This " delayed '' risk assessment is a very poor customer experience and the impact to my credit is unacceptable. I would like to continue my relationship with the bank and intend to honor our agreement if they will honor theirs.
Consumer complaint received 2017-01-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CO)

After paying off the second mortgage on my home, the lien was not released. The failure to release the lien is threatening my purchase of a new home this week. I am unable to find any way to contact PNC Bank other than by phone call or snail mail.
Consumer complaint received 2016-08-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC (CO)

My name XXXX XXXX, from XXXX XXXX. I want to make complaint about collection agency 1.Machol Jacques law offices out XXXX XXXX , XXXX XXXX out of XXXX. XXXX farmed my account to XXXX XXXX XXXX with garnished my wages amount of XXXX. We are selling my home, the title company says the debt is still unpaid. XXXX garnished my checking account too. I have pay stub showing agarnishment. I need letter from one or letter debt paid stat. Last ss # XXXX account # XXXX never forwarded the money Machol in XXXX. My home phone is XXXX. Need that letter.. thank you XXXX XXXX
Consumer complaint received 2016-01-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

I 've reached out to Wells Fargo to modify my loan. On XXXX XXXX, XXXX, I submitted all of my loan modification paperwork with supporting documentation as was required in order for the non judicial foreclosure scheduled on XXXX XXXX, XXXX to be suspended. 
Unfortunately when I went to the Wells Fargo portal to check my loan modification status on XXXX XXXX, XXXX, it 's showing that the foreclosure sale it still active for XXXX XXXX, XXXX. 
Per the guidelines of any any modification agreements that were executed with security deeds under FHA/HUD and were placed in XXXX XXXX Pools that did not follow XXXX XXXX guidelines prior and current, will be null and void per the regulations of XXXX XXXX Mortgage Backed Securities Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; Article IV - Compliance Program Article VIII - Management Information Systems Article IX - Mortgage Servicing 1 ). I 'm attaching the completed modification packet ; 2 ) .the Amended XXXX OCC Consent Order ; 3 ). Wells Fargo Loan status showing that even though my modification pact was submitted, I 'm still showing the sale is moving forward. 4 ) Verified Affidavit stating that Wells Fargo has no authority to enforce the Security Deed and Note.
Consumer complaint received 2016-10-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

i feel behind on my mortgage two months later i called to make full payment the refused to accept payment asking for an additional XXXX to accept payment have been submitting loan modification paper work for five years and wells fargo and ASC keep giving me the run around also they gave me a trial run of XXXX a month for six months i complied with payments after i completed the trial run i requested my payment amount the said that was my payment and refused to give me the modification and now the refuse to look at my paper work again for a loan modification.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (ME)

I recently applied for income based payments with Navient which was required by employer to enroll in forgiveness plan. I have been in this plan for just a few months and was paying what the account said I owed. This morning I received a 2nd deliqunecy notice ( though I never had a 1st, or had any money owed reflected on my account until this morning ), sta. I spoke to a rep this morning, and was told this was an old deliqunecy, but could n't explain why I was just recieving notice of it now, nor could she really explain why this never showed as money owed on my account. She offered forbarence as a way to make my account up to date, which seemed my only option, for understanding where this money owed was from did not seem available. The rep seemed unwilling to get to the bottom of this quandry and found a quick fix to get me off the phone. Up to this point I have not had a problem with my student loans, but this seemed quite troubling to me.
Consumer complaint received 2022-08-16
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: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (CA)

Wells fargo never gives a current statement that makes since. Then charges me outrageous overdraft fees. Even if I do have money to cover it in my accout. Over the past year I believe I have paid over {$250.00} in unjust fees thar they use confusing word play to make it seem to be my fault.
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

Had unfair lending practices with mortgage with Citibank. I had a loan on a rental property with 10 % down. The lender I had was purchased by Citibank Mortgage. I had the loan for 10 year and tried repeatedly to get the PMI removed. Citibank kept telling me I had to pay several thousand dollars to get the equity up to 20 %. At on point they requested $ XXXX on a property that I paid {$120000.00} for. They only paid down roughly {$100.00} down on the principle on a monthly basis. The rate was 7 % and the remainder of the charges were PMI. After 10 years I had only {$10000.00} of the principle paid down. Total scam. Every time I called to get PMI removed they said I had to get a new appraisal with their team and have both these high cost, a large amount of capital down, and really high closing costs.
Consumer complaint received 2016-01-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I an complaining about XXXX card which is inaccurately showing XXXX late payments. 
XXXX representatives XXXX had promised to remove the information 2 months ago. Recently another rep called me. After lengthy discussion, XXXX representative said we will remove those late payments if there were charges due to fraud. I told them, that if you see records you will see that XXXX has already given me credit for fraudulent charges and balance was zero and new card was sent. And now XXXX is reneging on the promise to remove those XXXX day late charges. XXXX had my statements returned by USPost for no fault of mine and there were fraud charges so why my credit should be damaged, especially when they admitted on recorded line that my credit was excellent except those reporting. She transferred me to XXXX different departments, no one picked up. 
Is this the customer service a loyal regular paying customer deserves, or is it even legal to damage credit like the way they are doing. I am sending this letter copy to all credit Bureaus so they can remove the late reporting as they are hurting me to obtain decent mortgage interest. 

XXXX XXXX XXXX : XXXX, Equifax , XXXX
Consumer complaint received 2015-09-23
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MA)

I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( XXXX XXXX XXXX ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, NC, XXXX, XXXX XXXX XXXX, XXXX, NC, XXXX
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I recently refinanced my mortgage through XXXX XXXX. That part was a great experience. After 3 mos, they transferred the servicing to Seterus, Inc. WHAT A NIGHTMARE IT HAS BEEN EVER SINCE!!! 
First, they unnecessarily, without my knowledge, added flood insurance to my loan causing my payment to increase. Let me emphasize, WITHOUT MY KNOWLEDGE. I only found out about the added insurance when I received my annual escrow analysis. When I contacted them, to have the insurance removed, as I pay for flood insurance through my XXXX, they made me jump through hoops, but I finally got it removed. Seterus still required me to pay the increased monthly payment for 2 months and I have not seen that money returned in any way. 
Secondly, I have never been late on a payment. As a matter of fact, I pay, through my banks automatic bill pay, on the XXXX of the month, for the payment due the subsequent month on the XXXX, just to make sure it gets to them on time. Since the Insurance fiasco, they have, for the past 2 months, sent me letters, along with phone calls that I am late! I have sent them proof of payment from my bank. In addition, I have been on the phone with them at least XXXX times regarding this situation. The last time I was told by the representative that she has not idea why they keep contacting me as she saw all my payments and told me that a " ticket '' has been open for several weeks to correct the problem and " was n't sure why it has n't been corrected ''. I am at witts end with this organization. It appears that one hand does n't know what the other is doing. I can assure you, I am not alone. Just XXXX Seterus and read about the complaints! Please I need your help!
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This credit card company has been notified and knows there is a billing dispute. They have not done anything to correct the issue and they continue to violate the credit card rules and regulations. The balance and charges they currently show do not belong to me and not we 'd to be removed. They are reporting incorrect and negative information on my credit file
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MN)

I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill XXXX past ones on my credit. I also placed a fraud alert on my report and have n't received not XXXX call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a XXXX situation.