davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-23
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. (FL)

On XX/XX/2018 I sent a letter to Equifax for a free credit report, in which I was denied due to they wanted personal information such as, Driver License, SSN, Utility bill and a pay stub. On XX/XX/XXXX, I sent another letter attached with XXXX   letter proving my information is current and correct. I did received a response from Equifax date XX/XX/2018 stating " We are pleased to let you know that the results of the dispute you recently filed with Equifax are complete. '' I called Equifax and the representative still wanted to verfiy information by answering Multiple choice questions, I was offended plus my credit report was denied to me. I would like to have my free annual credit report from Equifax.
Consumer complaint received 2018-09-24
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

XXXX XXXX  assumed management of my XXXX XXXX   loans in May. Apparently, I selected " online billing '' as an option but selected against receiving email notifications. This was according to a conversation I had with a represented on Mon XX/XX/XXXX. I was past due by 2 months but had not received notification of this from XXXX XXXX or XXXX XXXX. I spoke to a representative XXXX XXXX ) on Thu XX/XX/XXXX and was told " all delinquent accounts are sent notifications by mail. '' I spoke to her supervisor ( XXXX ) and was told " delinquent notifications can be sent by email. '' I told them that there was clearly a process issue that would allow for online bill pay but not for any online notifications of delinquencies. I asked that the negative filing be waived from my credit report but I was told this couldn't be done without speaking to 'superiors. ' I was assured that I would be contacted the following morning ( Fri XX/XX/XXXX ) but I have yet to receive a call. My credit score before this mishap was XXXX, which indicates a long history of paying my bills consistently and on time. I believe the company has a fiduciary duty to ensure that the person holding the loan has been contacted and informed of pending actions before taking actions that can negatively impact their credit score. At NO TIME did I receive a written notification or telephone call. I believe that these actions constitute a breach of fiduciary duty, possible libel for aggressive pursuing this course of action when, in fact, a process issue created this problem, and potentially fraud because of the misinformation I was provided when I contacted the agency.
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TX)

My card was used at a XXXX XXXX XXXX XXXX XXXX, XXXX, TX without my permission on XX/XX/XXXX, I received a text message saying my account went below {$25.00} so I log on to my account and saw 2 transaction and called AmEx Serve right away and had the card cancelled stating fraud. I was told to call back or go online to dispute the transaction once they processed, I did on on monday XX/XX/XXXX when they cleared. I was send a declaration of Fraud letter on XX/XX/XXXX which I filled out and emailed back to serve on XX/XX/XXXX. I have called 3 times to check on it and each time was told I would get a letter once it was decided. on XX/XX/XXXX I received a decision saying Based upon their investigation we have determined that no error occured and the transactions in question were authorized. Therefore the transactions is not eligible for credit to your account. 
I have called twice to talk to someone at AmEx serve but they tell me the decision was made. and I repeat I did not give authorization for someone to use my card and I had the card and was at home not XXXX TX. I even gave them a idea of what could have happen at XXXX XXXX XXXX which I made a purchase earlier that day.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (GA)

Late last Summer I was told that XXXX XXXX would be changing its credit card service from XXXX to American Express. On XX/XX/XXXX I called both American Express and XXXX XXXX and told them that I did not want an American Express card. I talked to XXXX XXXX ( XXXX ) XXXX, XXXX at Am. Express. Since that time I have contacted both American Express and XXXX XXXX many times adamantly expressing that I did not want XXXX XXXX to share information with American Express due to previous problems that I had with XXXX. XXXX. Early in XXXX I received a American Express card in an envelope which I did not open until last month. I have not activated the card. I sent multiple emails, letters and calls to both XXXX XXXX ( letters and email XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) and American Express ( Letters and email XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX ). Also, there were numerous calls. They shared my personal information contrary to my express wishes ( that were made clearly ) and transferred money without my permission. They can not close the account without my permission which I have not given. I wanted to have evidence as to who was responsible, which American Express recently blamed on XXXX XXXX. ( note some of the letters were sent with tractability via USPS. Some calls were recorded and emails copied. American Express did not like the fact that I record my calls, as allowed in Georgia, and refuse to call me. P.S I posted this on XXXX. I don't know if the lapse in security caused it ; but, I had an attempt for someone to purchase an American Express card ( {$100.00} ) from a different credit card account ( XXXX XXXX ).
Consumer complaint received 2018-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (GA)

On Friday, XXXX I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is Security Credit Services. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.
Consumer complaint received 2018-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MO)

We recently ( about 3 months ago ) filed for bankruptcy. We notified Ditech that we would be reaffirming the debt ( our mortgage ) and requested the paperwork that needs to be filed in Federal court. Since then, myself and my attorney have contacted Ditech numerous times and they keep saying " they are working on it. '' The filing deadline is XX/XX/2018, just a few days from now and they are still refusing to provide the documents. I have had to pay my attorney extra fees now to file a request for an extension with the court. Ditech is purposely doing this to put us into a position where they can force a foreclosure on our home. I am permanently XXXX and Ditech wants out of the contract. Purposly holding up the bankruptcy from being finalized is also causing financial problems. Ditech either needs to provide the paperwork required by the court, or provide a lien release if they continue to refuse to let us reaffirm the debt.
Consumer complaint received 2018-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (CA)

My loan was transferred from Selene Finance to XXXX XXXX as of XX/XX/18. The servicing transfer letter from Selene was dated XX/XX/18, and the one from XXXX was dated XX/XX/18 ; however, I did not receive them until well into XXXX, very short notice. At the time I received the letter, I had paid half of my XX/XX/2018 payment to Selene ( {$1100.00} on XX/XX/18 ). Their letter said that amounts paid by XX/XX/18 should be sent to Selene. Since I made the second half of my XXXX payment on XX/XX/XXXX ( {$1100.00} ), I sent it to Selene. Selene seems to have applied this payment, as a screen shot from their website shows the next payment due date to be XX/XX/XXXX. Meanwhile, I had been receiving phone calls a few times per week from XXXX. Each time they asked about my XXXX payment and I explained that it had been made - dates, amounts, etc. 

I have so far made two payments to XXXX : XX/XX/18 {$2200.00}, and XX/XX/18 {$2200.00}. These payments appear to have been applied to my XXXX and XXXX payments instead of my XXXX and XXXX payments, as their website now shows my loan due for XX/XX/18. 

Because I began to become concerned that this missing payment would never be resolved by these two companies, I did call Selene and asked if the payment had been/could be forwarded to XXXX. I was told that Selene had sent a check via XXXX XXXX on XX/XX/18 for not just my loan, but many in the transfer. I could not get tracking information for this shipment, because I literally was hung up on by the unbelievably rude associate, after they informed me that I was no longer their customer. 

After a phone conversation with XXXX today, I have been told that Selene is either failing to respond or providing inadequate tracking information for payments that have been sent by Selene to XXXX since the servicing transfer. XXXX at XXXX said there are numerous emails to Selene asking for additional funds to make up for the missing payment. 

At this time, I am very concerned that this payment is still unapplied, and that negative credit reporting may happen because we are beyond the 60 day " grace '' period due to a transfer. I want to ensure that all payments get applied by XXXX effective on the dates that I made them, NOT as of the date they finally straighten this out. I have spent too much time trying to resolve this myself, and though I had no desire to file a complaint, I have no choice at this point.
Consumer complaint received 2018-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MI)

Over three years ago someone at or through XXXX Bank transferred money from my XXXX XXXX   charge card,,, I notified XXXX of this authorize transferee they did nothing to stop it and two other ones. I canceled their card and paid what I owe them. Now they are using Radius Global Solutions LLC aka XXXX XXXX XXXX to collect this illegally transferred money. They call daily event on the weekends and keep sending mail.
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I live in XXXX, Florida and we were involved in a natural disaster ( Hurricane ). The federal government, declared it a natural disaster and mandated that all mortgage loan payment, be suspended for 90 days and that no late payments, shall be reported top the credit bureaus and no late fee 's, could be charged. The 2 payments, were to be placed to the back of the loan. My Trans union credit report clear states " Natural Disaster, under the mortgage account. I have called XXXX, several times and each time I call. They say that, the late 's were a error on my credit report and should not be listed on my report and they would correct/remove the late payments. This has not been done, as the date of this complaint. XXXX has received my on time payments, since 2005 and have never had a late payment on my mortgage. I started making my payments again the following month, after the 90 days, as I was instructed to do by the federal government. As I was making my payment, XXXX, kept me with a running 90 day late payment and has caused me financial harm.
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OH)

I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than XXXXne of all 3 bureaus 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 2018-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Responded to Portfolio Recovery Associates mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.
Consumer complaint received 2018-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2018- I sent {$500.00} through XXXX XXXX to a seller as a required deposit to reserve our puppy. I received receipt from XXXX XXXX as well as a receipt from seller via email. 
after numerous excuses from seller as to why I could not come for puppy, I felt uneasy and felt as though I was getting scammed. 
XX/XX/2018- I called my bank to inform them I believed I was getting scammed and to please cancel the transaction, although the bank said it was too late and that I needed to contact XXXX XXXX because there was nothing my bank could do for me. I then proceeded to contact XXXX, with no turn of luck. They too could not do anything for me. 
Finally after confronting seller that I felt uneasy about her, she offered to return my deposit back to me on XX/XX/2018. That day went by and still no money was returned. When I asked about it, she told me that it would be sent around XXXX that evening. When XXXX came and went, I then asked her again which she then decided to tell me that the money was in another bank account and that the funds would not be available until XXXX on XX/XX/2018. 
XXXX on XX/XX/2018 came and went as well and when asked about it again she the had yet another excuse as to why she has not sent my money back. 
It is now XXXX on XX/XX/2018 and I have still yet to receive any money and still getting excuses as to why. 
I have contacted local law enforcement to report this and still no luck. I am at a loss on what to do to get my money back!
Consumer complaint received 2018-09-24
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: SYNCHRONY FINANCIAL (SC)

Requested debt validation through the 3 major credit reporting bureaus as well as Belk/XXXX and neither party provided debt validation ie a contract with my signature or ID to verify that the debt was acquired by me. The credit reporting agency just stated it was verified and did not provide details of their investigation. Belk only sent letters stating the debt as sold and refused to furnish any other information telling me to contact a company they sold the debt to.
Consumer complaint received 2018-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (DC)

I have a debt with my original creditor ( XXXX XXXX XXXX XXXX, MD ) that was passed on to debt collection ( XXXX XXXX XXXX XXXX, MD ) The debt collector was never able to collect. The original debtor has since won a judgement against me for the debt and has placed a lien on my property. The debt collector is not named in the judgement and is no longer responsible for collecting the debt. I have disputed this debt on my credit report with all 3 credit bureaus more than 5 times and have provided them documentation of the judgement with the original creditor. I have contacted the debt collector to ask them to please stop reporting a debt they are no longer responsible for as the account is closed. The debt collector has refused to stop reporting the debt. The credit bureaus keep verifying the debt as valid. I have no clue how to get this removed from my credit report and need help.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to formally address concerns regarding the reporting of late payments by [ insert the name of the creditor/financial institution ], which I believe may violate the Fair Credit Reporting Act ( FCRA ). I request your intervention to ensure compliance with the appropriate regulations governing accurate and fair credit reporting.

Under the FCRA ( 15 U.S.C. 1681 ), creditors and financial institutions are legally required to report accurate and timely information to credit reporting agencies. According to the law : Accuracy of Information ( 1681s-2 ( a ) ) : Furnishers of credit information are required to report accurate information to credit reporting agencies. If inaccurate information is identified, it must be corrected promptly.

Duty to Correct and Update Information ( 1681s-2 ( a ) ( 2 ) ) : Furnishers must correct and update information when they become aware that previously provided information is inaccurate or incomplete.

Reasonable Investigation ( 1681s-2 ( b ) ) : When a consumer disputes the accuracy of reported information, creditors must conduct a reasonable investigation and provide corrections if inaccuracies are found. 
Based on my review, [ insert specific details about the late payment reporting, such as the dates and nature of the incorrect reporting ], I believe this information needs to be more accurate and align with the requirements outlined in the FCRA. This inaccurate reporting negatively impacts my creditworthiness and financial well-being. 

I request that the CFPB investigate this matter to ensure that [ creditor/financial institution ] complies with the FCRAs requirements. Specifically, I ask that they be directed to : Correct any inaccuracies in my credit report related to the late payment. 
Ensure all future reporting adheres strictly to FCRA standards. 
Provide written confirmation of the actions taken to correct these inaccuracies. 
Thank you for your attention to this matter. I look forward to your prompt assistance in upholding my rights under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TN)

This dispute is in response to mailed correspondence from your firm to collect a debt that I contend was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX  / ERC is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I require verifiable proof ( an original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX XXXX / ERC cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper verification would negatively impact my ability to obtain credit and my next course of action will be litigation. If verification is not received within 30 days of this dispute under FCRA, unverified account reporting must be remove from all of my credit reporting agency reports.
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of XXXX, we were hit with a hurricane and my husband lost his job. We contacted Bank of America and asked what could be done. They offered us a forebearance program that would freeze our payments for 6 months without late fees or penalties. They told us at the end of the 6 months we would we have to start making our payments and they would either work out a repayment plan that would increase our payments or we would have a balloon payment due at the end of our mortgage. At the end of the forebearance period we began making our payments on time for the past 6 months while trying to work on a repayment plan with Bank of America. They are making us go through a loan modification. We are in the middle of the modification and just found out that they have filed foreclosure proceedings against us and added court cost and fees. On their website it states forebearance programs result in repayment programs. We dont understand how this could be legal and want to know what our rights are. Our forebearance amount for the 6 months is XXXX. The outstanding amount is now over XXXX with the attorney and filing fees.