davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (GA)

XX/XX/XXXX statement says {$5100.00} is regular monthly payment and next payment due is XX/XX/XXXX. 

I paid {$5100.00} on XXXX XXXX but the statement dated XX/XX/XXXX charged a {$85.00} late fee and states the " total amount due on XX/XX/year> is {$9000.00} '' I have to waste my time trying to talk to reps who call to try to get me to pay over-the-phone and have no knowledge or authority of the payments. One rep told me to " make the payment a couple days AFTER the due date '' to avoid them applying my payment incorrectly. I am NOT going to pay late and should not be asked to pay late just because they are inept in processing the payments correctly. This is an ongoing problem and they need to learn how to apply payments correctly! 
Also, the " regular monthly payment '' states {$5100.00} on the XX/XX/XXXX statement, {$4600.00} on the XX/XX/XXXX statement, {$4900.00} on the XX/XX/XXXX statement and {$4600.00} on the XX/XX/XXXX statement. I received XXXX different ANNUAL ESCROW STATEMENT stating the NEW PAYMENT amounts as {$4900.00} and {$4900.00}. Why all the discrepancies and inconsistencies? I have had dozens of mortgages throughout my XXXX career as a landlord and have never had the ongoing problems as I face with Fay Servicing XXXX
Consumer complaint received 2024-01-15
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-01-15
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)

Violates of 15 U.S. Code 1681 In the FCRA, Congress put express requirements on companies with respect to information that can not be verified. Violates of 15 U.S.C 1681c ( f ) Indication of dispute by consumer - If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Per IRS Publication 4681, Charge offs, when sold to a third party it is an certificate of indebtedness with 1099c and is now INCOME, furthermore income can not be on a consumer report. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged. When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). The companies decision to terminate collection action and accounting decision to write-off DEBT. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT. Also 15 USC 6802, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. Pursuant to 16 CFR 313.7 under the Continuing right to opt out. A consumer may exercise the right to opt out at any time. These laws are here to make sure my credit file and credit report has the proper reflection of each account. I attach proof from current consumer report of inaccuracy in report from multiple reporting agencies on multiple accounts. All information on Consumer report must be true and accurate reflection of the account. DELETE IMMEDIATELY AND INDEFINITELY. These accounts have already been disputed and investigated, I request immediate deletion of all inaccurate reporting. DELETE IMMEDIATELY AND INDEFINITELY. Further investigated is not needed theses account have been disputed, investigated and " verified '' as accurate, which they are not, DELETE IMMEDIATELY AND INDEFINITELY.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Made payment on credit card. Two days later a duplicate payment was taken from our checking account. Eight attempts have been made by phone to find out when the double payment would would be corrected. This was a month ago. First we were told 5 days to correct, after 5 days it became 10 days to correct. Them we were told a check was sent. No check, it will take an additional 10 days to correct. Toady the last 10 days ended, they want 5 more days to correct.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-05-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (TX)

In XX/XX/year> I was solicited at my home by a XXXX / XXXX salesman, whose job was to sell solar panels. I was initially denied for financing of solar panels, and I was fine with that. The sale agent persistently tried to obtain financing for me, and not at my request. 

The XXXX / XXXX salesman specifically told me that if I was approved for solar panels, not only would my energy bills be reduced considerably, and in addition, that I would in fact receive a rebate check in the amount of {$10000.00} from the company. The salesman said that once I received those funds, I should apply them to the loan balance, thereby reducing the payments and loan balance. 

Two years later, and after the salesperson went to great lengths to sell me the panels and get me approved for financing, the following has happened : - I have received XXXX dollars in the form of a rebate from anyone - My energy bills went through the roof last year - My solar bill payment has increased and I am struggling to pay the bill I believe that I was misled by untoward sales practices and now I have lien against my homestead that I am having much difficulty paying. 

I never would have agreed to the solar panel installation if I had not been promised a {$10000.00} rebate in the form of a check which could've been applied to the loan. 

I believe that I have been lied to and I am seeking resolution either in the form of removal of the solar panels and cancellation of the debt, as the sales practices were deceptive, or a complete restructure of the loan to make it more affordable. 

The solar panels were dishonestly sold to me by XXXX / XXXX and are now being financed by a company called GOODLEAP.

I want the solar panels removed and the Goodleap debt canceled, and the lien removed from my property.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC (NJ)

XXXX was paid in full by Medicare after they received corrected claim. Billing dept reimbursed me {$290.00} and told Apex to remove the {$100.00} in XX/XX/2022. They keep billing and calling me for it even after I sent proof from Dr and billing dept that I have a XXXX XXXX I want them to stop calling me because I was already was told by an APEX rep that it was removed in XXXX, yet they persist with harassment.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

Years ago I began receiving a dividend check from household international, then they merged with hsbc and the dividend checks continued with no issues. This month ( XX/XX/2024 ) they notified me they would no longer send checks and I must contact them to provide direct deposit information. This written notification has no signature, a www that didn't work and a phone number that didn't work. I made every attempt to get this resolved and spoke with XXXX  XXXX people ( including XXXX XXXX XXXX a customer service manager. who also didn't help ) I finally spoke to a person at computershare and was sent to an alternate www. 
Today I received an email from computershare stating that they will charge a fee to deposit a {$4.00} dividend. This is wrong! 
There was no mention of a fee in the notification. There was never a fees when they were sending checks. I expect hsbc to use the info i provided and deposit the dividend into my account now and every time a dividend is ready for distribution. NO fee!
Consumer complaint received 2024-05-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

I received a letter out of no where saying I owe t mobile bill and I have XXXX XXXX account now and they have said nothing about to me that I owe them they wouldnt have gave me store credit to get a new XXXX last year if I owed them and this company say the debt start in XXXX but XXXX XXXX have said nothing about that on my my current bill this company is in violation of my consumer rights and I requested debt validation from them with sworn affidavit that I owe them and purchase agreement with my wet signature on it Im seeking civil penalties cause this is stressful and defamation of my character making my life harder then what it is went dealing with other financial institutions i call them southwest credit system and told them its not mines and I owe nothing to t mobile and why they have not said nothing or why would they let me open a new account with XXXX store credit if I owed them that amount and that they where committing identity theft and tryna ruin my life they hung up in my face so under 18 usc 1028a and 15 usc1681b I never gave them consent to have my information, and seeking 1000 per violation
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (AR)

I was applying for a car and realized some damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my report, it is a defamation to my character.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XX/XX/XXXX, I was a victim of an imposter scam which took XXXX $ from my checking account. I reported the issue to USAA immediately after discovering I was scammed. They assured me that they would monitor my account before the transaction was processed. Next day the charge was processed and I lost XXXX XXXX They took a month to investigate and decided not to get me my money back as the bank that the money was sent to refused to. I no longer trust USAA for my banking needs.
Consumer complaint received 2023-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

On XXXX XXXX, " Department of Education : MOHELA '' cashed a check for {$36000.00}, which was the payoff amount for my student loan. They have yet to credit the amount to my account, and they are continuing to bill me with interest accruing. I have called and contacted them by email many times, and the only thing they can tell me is that resolution might take 30-60 days. ( It will be 60 days as of XXXX XXXX ). The person I talked to today said she could not see that anyone had been assigned to " the case. '' I have tried to upload to them a copy of the posted check, but they say they are not able to take that from me nor will they provide direct telephone contact information nor email addresses of anyone who can help me with this situation. 

I previously filed a XXXX  complaint only to learn that MOHELA will not speak to them because of privacy issues.

This needs to be resolved immediately so my credit will not suffer.

No one on the phone at MOHELA can really do anything to update me. My mother broke into tears on the phone with MOHELA yesterday, telling them, " We feel like we have been robbed. ''
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

On XXXX I attempted to purchase my equifax credit report on equifax.com for {$19.00}. I entered my payment information and received a message that my payment could not be processed. I assumed I entered the card info wrong and tried again. I received the same message. When I log into my equifax account I am receiving a technical error message and it states to call equifax and provide the code XXXX. My credit report does not contain any data. I called equifax on XXXX and was asked to use a XXXX browser with no VPN to solve the issue. I was also told that the charges were not being seen on the equifax side. They are pending with my bank, but I need to be sure they will be reversed. After 30 minutes on the phone with equifax I do not have a resolution. According to online forums this is an ongoing issue for many people attempting to use equifax credit reports.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (OK)

In XX/XX/XXXX, Wells Fargo updated their system which required you to re-enter your banking information to be able to make a payment towards your auto loan. I did so and submitted my payment due for XX/XX/XXXX. I didn't notice, but the payment never came out of my bank account, despite there being enough in there to cover the payment. I got a call from a Wells Fargo representative in XX/XX/XXXX regarding a missed payment. I spent a good amount of time on the phone with her, to which she admitted there was a system update where they'd heard feedback from customers that it caused an issue, but ultimately it was 100 % on me and I was responsible for any fees incurred, as well as now making a double payment unexpectedly. I advised I wasn't capable of paying a double payment that month and she put me on hold while seeing if they could do anything to work out that " missing '' payment. I stayed on hold for over XXXX minutes and the call was ultimately disconnected suddenly without ever being helped. I work full time and have XXXX children so being tied up on the phone for another XXXX hour plus wasn't an option. I tried via email and texts to get a resolution and never got anywhere. I was charged and paid late fees every single month and carried a balance each month due to the system issue that never actually submitted my payment that I did. Now, the vehicle has been in an accident and my insurance has made their payoff, which had plenty of coverage to cover the balance owed on the vehicle. Due to the fees that have continued to build up each month for over a year with XXXX acceptance of the system issue on Wells Fargo behalf, they are wanting me to pay {$490.00} more to pay the vehicle off for fees that the insurance didn't cover because they are fees. This should have been taken care of to prevent the continuance of fees a year and a half ago, but Wells Fargo has refused to accept any level of liability or even work with me to prevent this situation since XX/XX/XXXX. Even now, they have supposedly escalated my complaint on this issue further and they continue to claim I never had auto payments set up, which I've never claimed to be the case. They are claiming full liability on me and full expectation for me to continue to cover fees I made an attempt to work out with them for the duration of a year and 6 months worth. I paid more than my standard payment each month since this happened to help offset the fees, but they were always higher ( and grew ) than what I was able to pay over since a full payment outstanding carried over each month. I certainly believe the extra I have paid over the lasts year and a half, in addition to the mess Wells Fargo has made of my payment history on my credit is far more than reasonable at this point.