davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (RI)

Have a mortgage which change servicing rights to Ditech. In the loan docs it states in correctly that the insurance was to be escrowed. In the mean time Ditech failed to pay my taxes on time and due to a city property tax mistake my taxes were over paid by {$2300.00}. I have since changed the escrow and requesting the insurance not be escrowed. The taxes are now being refunded directly to Ditech and I have requested the make a one time payment for the insurance. The previous servicer failed to pay the insurance for 9 months. Now I am requesting the they make a one time payment to my insurance and discontinue future payments, and calc esrow going forward correctly without the insurance. Been since XX/XX/XXXX trying to get them to get someone to correctly get it write in my account 4 call 12 representatives. On top of it I am a 30 year financial services exec with years at XXXX for the XXXX, I well understand this business but the agents and system at Ditech gets on one who understand all aspects of this error. They will now include it in the escrow and will not issue a one time payment without changing the escrow analysis. It 's around around in circles.
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
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. (NY)

I am facing substantial challenges due to negative credit reports, hindering my chances of securing jobs, apartments, and loans. This has created a roadblock in my pursuit of a better life for myself and my children. Overcoming these hurdles is essential for our well-being and the opportunity to access generational wealth. I am determined to move forward, but the impact on my mental health and character underscores the urgency of resolving these credit issues. According, to the 15 U.S.C 1681 there should not be any damages to my credit and these reports are defamatory to my character. Your understanding and support in addressing these challenges mean a lot to me.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (GA)

FIRST PROGRESS CARD Account # XXXX Company has violated my rights to privacy as stated in 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please provide the letter that I wrote giving you permission to furnish my account information as stated in 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802.

I Opt out with 15 usc 6802, 15 usc 6805 and the privacy act of 1974 and 16 cfr 313.7 I SENT THE COMPANY A CEASE AND DESIST
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Credit report shows two different social security number under my report in personal information section. I disputed different social security number shows up in my report but credit reporting company said they can not remove it because that information is coming from the lender. And because it is XXXX digit different they were thinking some of lender 's operator made a simple mistake during their input process so considered it as minor, but It is not minor problem to me. I am an XXXX military XXXX and during my background investigation they found XXXX different social security numbers and the government is considering me as some type of cheater or dishonest personnel and possibly losing my career with this silly mistake someone made.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors that need to be addressed an removed asap. this is my XXXX attempt processing disputes to delete an remove that targeted negative files that are invalid. please review an remove all items listed they are unlawful an illegally reported on my credit.
Consumer complaint received 2024-01-11
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NY)

I tried to transfer money out of the account to my reference account at a different bank ( also in my name ) at which point my online access was blocked and the bank claimed they could not verify my identity. I provided all forms of identification they have on file, my phone number ( that they claimed could not be used to issue a mobile code ), the email address with which I registered ( they claimed they don't have this information although it's the only mode of communication ), my social security number, date of birth, address and secret password. This is the entirety of the information that was provided during the account opening process, however, they now say they need an affidavit and said I should wait for them to send me something and I should contact again in 1, 2 or 3 business days. I have said that I would like to close the account and they said it's not possible until I am verified, but they can't help me at this point. The bank is running me in circles. I clearly said on a recorded line that I would like to close the relationship immediately as is my right. By not accepting my forms of identification, they are essentially blocking me from ending the business relationship and thereby circumventing the consumer rights. They also won't let me access or transfer the money.
Consumer complaint received 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I requested a payment be withdrawn from my XXXX XXXX XXXX ACCOUNT on XX/XX/XXXX. I provided the correct routing # and account # for the payment. 

On XX/XX/XXXX I noticed the funds were not withdrawn and immediately contacted Shellpoint Mortgage to inquire why. They initially said my payment was returned for non sufficient funds. I immediately contacted XXXX XXXX and verified they never even tried to collect the money that was in the account and available since XX/XX/XXXX. I immediately contacted Shellpoint and told them a returned check is not possible because 1. The funds were available 2. They never processed my payment. They responded that due to Shellponts internal error they processed the payment using the wrong account number, not the one I provided in writing. 

Now they will not reprocess the payment they messed up on nor the XX/XX/XXXX payment I had pending because their internal error extends my past due. Now they want all four months at once & threatened foreclosure. When I have acted in good faith making the XX/XX/XXXX and XX/XX/XXXX payments trying my best to ward off foreclosure making payments as I could in good faith, their internal error is putting me in jeopardy and it was not my fault.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, AMERICAN EXPRESS ( AMEX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -AMERICAN EXPRESS ( AMEX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and American Express ( AMEX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I thought banks have to make funds available within about 2 days after a check deposit. I've made electronic transfers initiated from the Capital One savings account from my bank checking account and it takes a week for it to show up in the Cap One account. This time I read on the Cap One site the following : " Do mobile checks deposit instantly? In most cases, mobile check deposits arent instantaneous. You may have to wait at least one business day for the mobile deposit to process, and some banks may also have a cutoff time for deposits. If you deposit a check after that time, you may have to wait another business day for it to process. Tip : Capital One customers can typically access their funds the next business day. But if you deposit a check using your mobile app after XXXX XXXX XXXX your check may take additional time to process. '' So I installed the app and made a mobile deposit today XX/XX/XXXXand the app said it would be available XX/XX/XXXX- a week from Monday. Please investigate. 
Thank you.
Consumer complaint received 2018-08-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX credit report showing an inquiry from Bank of America from XX/XX/XXXX that she did not authorize. While no account was established the application left a fraudulent related inquiry on her credit report. An official dispute of this inquiry was sent certified mail to Bank of America XX/XX/XXXX ; however a letter received today XX/XX/XXXX indicated Bank of American could not conduct an investigation into the matter because there was not an account number provided. Had the Bank of America fraud department actually read the information provided they would have seen we were disputing an inquiry and as such there would be no account number.

Bank of America has an obligation to first read the information provided and under the law conduct an investigation of fraud as outlined under the FCRA with reagrd to issues of ID theft.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted XXXX regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CO)

We applied repeatedly to Wells Fargo Mortgage Services, aka Wells Fargo NA, Company for mortgage modification for 4 years, and were repeatedly denied during that period of time. We provided all financial and hardship documentation repeatedly and as requested by Wells Fargo Mortgage Services. This described period of time occurred from XX/XX/XXXX to XX/XX/XXXX, the first full year of applying was pro-active on our part prior to missing any mortgage payments. During the full XXXX years of applying for the modification, documentation provided to Wells Fargo was repeatedly 'lost ' by them or expired due to lack of processing by them. Provided proof of income was miscalculated by Wells Fargo numerous times. Attached herein in .pdf format is 48 pages of documentation applicable to this complaint. Post bankruptcy, we filed a complaint with the Colorado Attorney General 's Office. On our behalf, the Colorado Attorney General inquired directly to Wells Fargo concerning our mortgage modification denials. Wells Fargo then offered us a temporary trial modification which we agreed to and fulfilled. After the temporary modification, Wells Fargo denied us a permanent modification, and, as reason for denial, presented bogus title encumbrances, which we were able to immediately disprove. The Colorado Attorney General 's Office immediately escalated our case and, as a result, Wells Fargo offered us a permanent modification. We were required to sign a promissory note to Wells Fargo in the amount of over {$90000.00} as a condition of modification approval. Another 10 years was added to our mortgage at an interest rate of 5.375 %. We believe had we not been denied the mortgage modification due to Wells Fargo and its employees negligence in not correctly and properly applying our correct income and allowing our modification application to continually expire without proper processing, the {$90000.00} in arrears would never have accumulated. Nor would it be currently attached to our current modified mortgage as a forbearance. This forbearance stripped us of the equity in our home, and it caused us undue duress and hardship. Please see attached .pdf file for full documentation and dates related to our complaint. Thank you.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

XX/XX/23 order placed online for XXXX XXXX XXXX XXXX for {$190.00}. 
XX/XX/23 confirmation email received showing charge will appear from XXXX XXXX. I immediately tried to cancel the order. I was advised it could not be cancelled and I could just return the product when received. 
XX/XX/23 Contacted merchant for return instructions. 
XX/XX/23 My USPS receipt for returning 100 % of product. 
XX/XX/23 USPS tracking showing product 100 % received by merchant. 
I received partial refund of {$120.00}. 
I disputed the payment with Discover on XX/XX/23 when remaining amount of {$69.00} not received. I waited 15 days for company to process refund to Discover. 
I have in possession " and furnished '' Discover copies of the company 's website stating both a 100 % money back guarantee and also a " Risk Free Guarantee '' statement. 
XX/XX/23 I received a letter From Discover denying my dispute without any explanation. 
XX/XX/23 I requested Discover reconsider their decision, and again explaining in detail the transaction and actions. I again provided Discover with copies of my USPS receipts showing the product returned and accepted, ALONG WITH A COPY OF THE COMPANYS WEBPAGE showing clearly that the purchase and product was 100 % guaranteed. 
If I have the option, I will include these copies with this statement. 
XXXX XXXX XXXX XXXX gives XXXX XXXX a " F '' rating due to many unresolved problems and complaints. Yet Discover ruled in their favor.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My medical bills that went to collections with XXXX XXXX XXXX in XXXX/XXXX dropped off in XXXX and now TransUnion is reporting them again.
Consumer complaint received 2024-01-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: ZIONS BANCORPORATION (CO)

I paid off my heloc in XXXX of XXXX. Received a statement on XX/XX/XXXX showing XXXX balance due and XXXX past due. Meaning paid to XXXX  with nothing due at all. 

I get a call on XX/XX/XXXX from XXXX at XXXX XXXX  stating {$850.00} is due from XXXX which is the exact number that was due on the XXXX statement but not due any longer on the XXXX statement because I paid it. 

He further asked me to prove I paid it when it's aleady in the system. 

Apparently this institution does quite a bit of manual coding and manual entries of posting payments in a back end secondary system and too frequently have errors been exposed. I paid everything off and this is not the first time I have had issues with incorrect Information being inputted internally that results in more charges to the borrower. 

I feel a full audit needs to be done on both loans fixed and not fixed due to misappropriation of funds, misapplied funds and incorrect interest charges. 

I would not be surprised if this misappropriation of funds has damaged other Consumers without them knowing any different. 

I have attached the XXXX and XXXX statements for comparison and the suddenly due interest showing on their website that was not due before. 

Someone did something wrong and caused this problem. How many more problems are there that noone knows about?
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (MI)

I finished school around XXXX years ago. I had called sallie mae to pay my loan off. They gave me an incorrect balance. I have n't heard from them till 3 months ago and they would leave dozens of herassing phone calls. Apparently what happened is they did n't give me the correct balance to pay off. They said I still had a balance due. They state that I owe them the remaining balance with interest. They used the large sum of money I sent them earlier to make minimum payments over the XXXX years, and I am now past due. They never once sent me a statement in the XXXX years saying I owed any money. So in short, I thought I paid my loan off XXXX years ago, and today I am told I owe over {$10000.00} on a balance of {$7100.00} from XXXX years ago. They are refusing to work with me and when I ask them to send me paper info in the mail they say ok. In 3 months I have n't received any paperwork, other then the monthly statements they are now sending. I do n't feel it is right to make me pay interest on a loan I was told was paid off and never given a bill for.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My personal information was breached because of Equifax to obtain several credit accounts and applied for several loans without my permission or authorization. I've sent Equifax, XXXX, XXXX several letters in detail about the situation, and in return within an average of 2 weeks they replied and said information is verified/certified correct. Sent letter on XX/XX/XXXX  second on XX/XX/, and both times nothing was changed. I've contacted the creditors also, and of course was informed that i have to take it up with the credit bureau who is reporting the information to have it removed. How is it the creditor when asked about it can't do anything but i have to contact the for XXXXXXXX XXXX XXXX to investigate, and nothing comes out of it.
Consumer complaint received 2023-11-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IL)

Div Adj service placed a collection on my report for XXXX for a device i had return and services i have. not received that they are billing me for a prepaid service. XXXX has admitted they have the box.