davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
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. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 2016-03-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Currently I have been reported to XXXX and XXXX XXXX since XX/XX/XXXX. Due to identity thief while i was in XXXX many fraud activities happened to me. Such as someone used my checks to make deposits and withdrawl and those checks happnens to be a bad check and i was charged for the all the returns. When i came back from XXXX XX/XX/XXXX, i tried to solve the issue with the bank many times and everytime i call them all i hear is wait 24-48 hours or they transfer the call to some random voicemail box where i can not even leave message. Time has passed and it has been 4 years now, and this problem is still not solved.Wells fargo, XXXX XXXX XXXX, XXXX are the banks im having issue with and i try to reach out to them and its very hard to get hold of them an this needs to be disputed asap
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Roughly 5 years ago, in my mid XXXX, I filed for bankruptcy. I hoped that by doing this in my early adult life, I could then be prepared to move forward with my life ( buying a home, starting a family ) in my XXXX. Now, at XXXX last XXXX XX/XX/2014 I started my search for a home! 

Upon receiving my pre-approval and getting my credit report, it was brought to my attention that there was an outstanding amount for {$3500.00} with XXXX on my report. I went back to my bankruptcy paperwork and yes, this {$3500.00} was in fact included in my bankruptcy -- it was paid, but somehow 5 years later was still a huge red flag of delinquency on my credit report. I could n't believe it had been sitting there for 5 years hitting my credit negatively. 

In XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX asking them to remove it. I did n't receive a response. When I called to follow up on the status, they directed met to call the XXXX credit bureaus to have them take it off on their end. I ended up getting in touch with TransUnion via a form, and received a cryptic response of their " investigation '' -- the amount still was on my credit report. 

Today, I sit in complete and utter sadness -- my loan for the home I 'm looking to purchase is at a dead stop because of this incorrect listing on my report. I spent most of yesterday ont he phone with XXXX, asking them to remove it as swiftly as possible ( I 'm t minus 4 days until my targeted closing date ). Their response : " an investigation will take XXXX hours and a solution could take XXXX more days on top of that to remove it ''. I more than likely will be losing my opportunity to purchase this home because of their lack of response to my initial letter in XXXX, and their incorrect, sloppy administrative practices -- XXXX months of " deliquent '' has been hitting my credit report and now, preventing me from obtaining a loan to buy a home, despite years of work to repair and move forward from my early credit issues. 

I 'm devastated and do n't really know where to turn at this point. I plan on following up with XXXX today to try to make them remove it again, but I 'm terrified the sellers will be backing out and additionally, I will lose the {$14000.00} deposit I 've already submitted. I ca n't believe this is happening ...
Consumer complaint received 2016-12-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had outstanding state taxes due to the Georgia Department of Revenue ( GDR ). I ( through my attorney ) did an offer and compromise to settle all of my outstanding taxes. I received a stamped release from the GDR. The Trans unioin credit bureau is telling me they do n't take off tax liens even if they were paid. I 'm attaching the Georgia State Tax Lien Executions, stamped, signed, and date XXXX XXXX, 2016, stating the {$1500.00}, has been paid, satisfied and ordered cancelled from record. I 'm attaching my Transition Credit Report for you to see it is still being reported. When I spoke with them, I was told nothing can be done.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I have been trying to cancel and deactivate my account with Experian. 
They do not provide anything on their website to do so. They do not allow me to speak to a live agent to do so either.
Consumer complaint received 2017-01-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Filed a dispute on with credit agency Transunion for credit negative remarks in which took longer than 30 days to resolved. In addition, requested removal of negative remarks in which was not resolved within the time window. 

Disputed XXXX XXXX XXXX XXXX : 1. XXXX - Dispute removal negative remarks - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
2. XXXX - Dispute removal negative remarks - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried fro two months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time. Attached is the last letter i sent this credit reporting agency
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regarding XXXX Credit Card accounts with XXXX. XX/XX/XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX, XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My CPA also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year IRS transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES XXXX and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!
Consumer complaint received 2015-09-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of america has me in foreclosure. Right now BOA has summitted XXXX different original notes in my foreclosure case. The case started with a lost note count, which they submitted a copy of the note with a blank endorsement on an allonge, then over 2 years later they filed a different note that had the blank note endorsed to Countrywide, XXXX additional endorsements on the allonge, and other markings on the note itself. This note was filed in the official records, dropping the lost not count, with a sworn statement that it is the Original Note. Then months later they submitted another note, with another sworn statement that it is the Original note, that had the original blank endorsed note that was filed with the court as a lost instrument. This is clearly fraud upon the Court. After they submitted the endorsed note in their answers to my request to produce, I filed a Motion For Summary Judgement, on the no standing issues. After I filed my MFSJ, the plaintiffs submitted the endorsed note, into the official records, with notice of dropping lost note count, with a sworn statement that it is the original note. In the plaintiffs opposition to my MFSJ, they filed another note, which was claimed as the original note, by sworn statement, which was the Orignal note that they filed in thier complaint with a lost note count. So they filed a note in the official records, then filed the other note afterwards. The Judge denied my MFSJ, and set the case for trial, when I brought all this to her attention. She said they probably have a good explaination for why they have XXXX Original notes in my case. The only thing the plaintiff said was that the XXXX notes are identical, and that is a lie. I have the transcript from the hearing. I went to Court on XXXX XXXX, 2015 on my MFSJ, and on the XXXX XXXX, 2015 I recieved a letter from BOA that they are transferring my servicing rights to XXXX XXXX XXXX as of XXXX XXXX, 2015 This is just another way of getting away with fraud and forgery. I ca n't afford a lawyer, and the bank has not put anything in my court docs about any trial or anything else. So Bank of America is attempting to slide away into the darkness, like none of this ever happened. I wrote the Attorney General, and they gave me your number, so I am here to file an Official report of what is going on in our Court system. Fraud should not be tolerated in our Justice system.
Consumer complaint received 2017-01-13
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (OR)

I applied for a loan modification through Ditech XX/XX/XXXX and was told that it was approved XX/XX/XXXX I then started making the trial payments. I was told to expect the final contract papers XX/XX/XXXX. I have not yet received any paperwork to finalize the modification. Ditech has been reporting my mortgage payments in default since early last year. They have said that they are having a " system error '' and the system is not updating the modifications as it should so they are unable to even manually generate modification documents. Their rep says that she has been complaining but it is not getting fixed. Recently my car died and I had a huge amount of trouble securing financing due to the dings on my credit report and subsequently have not been given a good interest rate for the life of this loan which has cost me money. I have kept up the trial payments through XX/XX/XXXX, but would like this issue resolved and the modification made permanent and my credit report corrected. I have escalated it to HAMP, but still have got nowhere with Ditech.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (SC)

I have been charged an interest rate on my student loan of 6.8 % for the last 5 years. I have repeatedly asked for a lower rate that was on par with rates within the free market and have been told no every single time. Moreover, the people that I have spoken with have stated repeatedly that it is the government that sets the rate and they have no control over how much I pay. My full repayment is approximately {$580.00} per month. This is almost as much as my home loan payment and considerably more than my car payment. More alarming is that I have been charged this rate of interest at a time when my car loan rate is 2.1 % and home loan rate is 3.75 %. I am currently paying interest only and at XXXX years old, I can not see a pathway to ever pay off the {$44000.00} I owe to for the " education '' I received from University XXXX XXXX ( another matter as it is a for profit organization ). I am a single mother of a XXXX year old son whom I have not been able to save a single dollar for his education and he will be saddled with my loan if something were to ever happen to me. I was scammed from the very beginning from the counselors at the University XXXX XXXX to the Navient collection process. I have a nearly worthless XXXX and am at a loss as to how to remedy the situation despite my many conversations with Navient. This is unconscionable and as a tax paying citizen I want to pay back what I owe, but at this rate, it will be nearly impossible. I started my higher education to improve my life as well as my son 's life and at the end of the day, I am saddled with a worthless degree and a loan repayment plan that is not even remotely manageable. I would like to add that at no time did Navient ever take into account any other bills that I have, like so many other students, such as home loan, car payment, utilities, child care, etc ... Additionally, if I am so much as a week late with a payment, Navient calls me repeatedly on my cell phone while I am at work. I have had to block them as they have called me so much and I have not missed a single payment, ever ...
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (CA)

This is in regards to Wells Fargo XXXX CA I have had this Visa Card for many years. I fell behind but continued to pay. I started noticing Monthly fees for Purchases & Cash Advances. I have not purchased anything on this card since in over 10years & cash advances were paid back when my payroll check was deposited. I have been requesting an explanation of fees since the beginning of this year. 
There has been no response other than they are looking into it and I am free to call the dispute dept. I want a visual of what I purchased and what cash advances I have generated. My balance is XXXX 90 % is Cash Advance Interest, Purchase Interest & Late fees. I do n't use this card. They do not respond other that emailing me in my in-box telling we they are working on it and I am a valued customer. Nothing is personalized. I have advised them I am not paying until this matter has been addressed ... Please help.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Consumer complaint received 2015-08-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I had taken loans for my education, recently I was XXXX I have been unable to find work in my field of study, I live on the verge of being homeless everyday. My Navient loans ( which was XXXX XXXX when I took them young and dumb ) have gone into default I tried to offer them XXXX per month until I can find gainful employment. I have been told that is not " acceptable '' They have basically refused payments from me. I talk to them they claim they will call me back they do n't. They try to talk in circles to me and when I call them on what they have said they say that I am wrong and I am twisting their words. I have asked them to give me my options in writing as they only give me half of the story when I speak to them. Their collection staff is full of collection agents that are nothing more than bullies. I am discussed and sick over this and would love for the government to investigate them for shady lending practices and abusive collection practices. I am sick of being spoken to as if I am stupid and not on the same mental level as these individuals that they employ that for whatever reason feel they are better than I am in some way.
Consumer complaint received 2016-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (NY)

I have been sued by New York State Taxation Dept. regarding a Wells Fargo student loan.. Wells Fargo submitted tax information to the IRS regarding XXXX student loan from XXXX that they charged off in XXXX. I had been unable to pay due to being unemployed and my loans went into default. In XXXX I never received a XXXX form from Wells Fargo. The IRS said the XXXX was reported for the XXXX tax year. I had not moved since having contact with Wells Fargo. I was unaware of this until XXXX. I received a bill from the IRS stating I owe them {$740.00} for receiving {$2800.00} from Wells Fargo. Wells Faro reported this to the IRS in XXXX. When I contacted Wells Fargo earlier this year after I received a letter/ bill from the IRS XXXX they said we are sorry you did n't receive the XXXX. Basically they said too bad and sent me a copy of the XXXX I would have received the XXXX in XXXX I would haven taken it to my tax consultant. Now I owe the IRS money plus penalties. How can I be notified 2 years later and Wells Fargo is not accountable for ensuring I received a XXXX in a timely fashion. There only response is we are sorry, here is a copy 2 years later.
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to resolve a late payment issue with the customer service representative, XXXX and she was unwilling to listen to my problem and only wanted the fee. As I explained I have never been late, always paid in advance but I recently asked to get a new number because I thought my card may have been compromised. I stated that I was on vacation and that I ca n't tell what happened to the scheduled payment as the old account was closed. I informed XXXX that I would pay off the account in full today but please waive the late charges. She refused and stated she did n't have the authority. I asked to speak with her supervisor, which I left s message to call me back. Of course, the supervisor did not call me back. As a result of my poor experience, I cancelled my card and paid in full. Still no call from a supervisor.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Around XXXX XXXX I stopped paying my mortgage because I was injured on the job. I was out of work for a year. I have returned to work. In XX/XX/XXXX I hired an attorney to help me with loan modification - have been denied at XXXX times with Wells Fargo - It 's been going on for 2 yrs - In XXXX XXXX I was denied -unable to create an affordable mortgage payment - then we reapplied XX/XX/XXXX again was denied unable to reduce the principal and interest payment by 10 % - then I reapplied again XXXX XXXX this time I used my brother in law as a contributor who lives with me to show additional income -again I was denied for HAMP for different reasons because I have reached the allowable number of modifications - why was n't I told this from the beginning from the previous denials -HAMP TIER 2 was denied because we are unable to modify your mortgage based on the result of the NPV however I went to the website XXXX I was found eligible. -In addition, they reduced the income that was submitted -I feel I am being treated unfairly and being discriminated - I am asking for your help - I want to save my home and I have been trying to workout out something with ASC and they seem to deny me for different reasons - HELP ME! please investigate this matter with ASC