davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-21
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: EQUIFAX, INC. (MI)

On XXXX, I tried to open a My Social Security account. In order to verify my identity, the form asked questions based on Equifax 's credit file for me. The questions related to loans, leases, accounts, addresses, former names, etc. that did not pertain to me. 

I called Equifax 's help center & was presented with a similar set of questions that Social Security presented me. I could not answer the questions, as these were not my accounts, loans, etc. The person refused to speak to me because I could not answer the questions. 

For the next 6 days, I tried both Equifax & Social Security again. Each time had similar error questions. 

On XXXX, I called Equifax again. The problem remained. I asked for a supervisor and the call was terminated by Equifax. I called back & was told to send certain information to Equifax so that i could repair the problem. I faxed the information immediately. 

On XXXX I received a mailed credit report from Equifax. The error information from XXXX, etc. was not on the report. I called Equifax back. Again I was presented with several questions to verify my identity. The questions still related to someone else, so the agent would not speak to me. I asked for a supervisor & the call was again terminated by Equifax. 

On XXXX I tried calling Equifax again. The same incidents occurred. No agent would speak with me. I asked for a supervisor and the call was terminated by Equifax. 

For several days, I called Equifax again. The problem with the questions remained the same and again, a sking for a supervisor resulted in being disconnected. 

On XXXX, I wrote to the CEO of Equifax ( by US Mail ). 
As of this date ( XXXX ) I have received no reply and the call-in questions remain the same. 

It appears that Equifax has my file mixed with someone else 's file, at least for the part that is used to verify ones identity. 
Therefore : A ) I am prevented from answering identity verification questions for any entity that uses Equifax for such verification. The Social Security Administration is one example. Equifax themselves is another. 
B ) I am prevented from ever speaking with anyone from Equifax to correct any erros which may exist on my credit file. 
C ) I am prevented from enrolling in Equifax 's on line system to monitor, lock or dispute my account. 

I apologize for taking your time, but I am out of options to get this computer error repaired. 
Thank You for helping. XXXX
Consumer complaint received 2020-03-21
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. (TN)

I've been in an ongoing dispute with TransUnion over the past 12 months. They have left MANY unverified accounts on my credit profile which is tarnishing my credit worthiness. I have asked them specifically to tell me 3 things. 1- What is the name of the person in their company that verified the accounts? 2- What documents did he/she use to verify them and where are they? 3- What is that person 's business address and telephone number? I have a right to know what they used in their supposed investigation to verify these erroneous accounts and they have not once provided me with this information.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax sent a response stating " Equifax will not respond to this complaint via the CFPB portal as we suspect it may have been submitted using a credit repair company. '' I submitted my complaint myself. I am not a credit repair company. It doesn't matter what verbiage is used. If I ask specific questions, it is my right to get the answers. Equifax does not want to send a response via the CFPB portal because they don't have answers to specific questions that I'm asking and they don't want the CFPB to know this. All they are going to do is do another " Investigation '' and send me a letter saying the items were verified. I spoke with a representative from Equifax and he stated that during this " Investigation '' they send a message electronically to the original creditor and ask them to verify the balances. THAT'S IT! That's not an investigation. That's only my word against theirs. Again, I want to know who at Equifax performed this investigation, what documents were used to verify the items, and what is that Equifax employee 's phone number? You can't verify something and not show me how you verified it. Provide the information that I asked for or remove the items IMMEDIATELY.
Consumer complaint received 2020-03-20
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. (PA)

I have written several letters in the past, but this time i decided to keep a paper trail of notarized letters demanding an investigation into why i have so many inaccurate and erroneous information about me on my credit report on XX/XX/XXXX to all the Credit Reporting Agencies, and i got only a summary of my report which was still erroneous. I wrote a second notarized letter to all three Credit Reporting Agencies demanding an investigation into these anomalies, on XX/XX/XXXX, and again Transuion, XXXX and XXXX  sent a summary of my report with the inaccurate information. Finally, i wrote all three Credit Report Agencies warning them that i will have to report to the government agency ( ies ) of their ineptitude, and their response remains the same. I checked my credit report today being XX/XX/XXXX. And the inaccuracies still appear on all my credit report with all three credit reporting agencies
Consumer complaint received 2020-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (HI)

Under the Covid-19 relief program for student loans, interest was to be waived for a certain period of time. When I called my servicer, they said even though i have Federal Stafford loans, which is what I applied for and received, the actual funds were provided by outside investors to the Federal Government. I didn't apply for, nor receive private loans, except for one small Grad Plus loan. All other loans are Federal loans. How can a borrower be penalized for the source of funds of his or her Federal loans? None of that was disclosed to me at time of application for my Federal loans. I would like all my interest waived for my Federal loans for the specified period of government relief. I only ask for what the relief program dictates ... .nothing more or nothing less
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America allowing payments from my account that's not authorized and adding overdraft fees and my checking account is overdrawn in fees by {$400.00}.

I have contacted with XXXX XXXX and XXXX XXXX XXXX in XXXX, California to make payments arrangements of {$60.00} @ month until the {$230.00} and {$300.00} debt is paid for payday loans. 

My checking account ending # XXXX has a negative balance of {$400.00}. 
I am in a financial hardship and Coronavirus issues has affected everything in California and America. 
I am respectfully XXXX XXXX, XXXX  and a XXXX XXXX XXXX Military Veteran. 
Bank of America is receiving a stimulus funding, and my account should be in positive standing and not negative.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I opened a new Business Checking Account in XX/XX/2021. I was promised a {$300.00} bonus for opening the account. I was told verbally by the person I opened the account with that to get the bonus I could do 5x ACH transactions. Now, after the date has passed, the bank is telling me that in fact only ACH credit transactions would count. They claim I was given a handout which indicates this, however, I received no such document. 

I want the bonus I was promised as I complied with the terms they told me in person.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: On Q Financial (OR)

On Q Financial, Inc solicited me for a mortgage refinance. I worked with a loan officer named XXXX XXXX who provided me with a loan estimate. Based on the financial information presented in the estimate, I decided that the savings I would see each month in my monthly payment from the lower interest rate and lower PMI it would be worth my time, money, effort, and hit to my credit score. He quoted me a PMI of $ XXXX/month. I filled out the loan application and provided all of the requested documentation. While waiting for conditional approval of my loan, I started receiving email communications from a few other employees regarding my loan. A new loan officer had taken over my loan and I had learned that XXXX was no longer with the company. I then emailed my new loan officer, XXXX XXXX, to ask if it were possible that I might be eligible for a lower interest rate or pmi than I was quoted based on the fact that my appraisal came in XXXX higher than anticipated. He said he would look into it. His response was a closing disclosure that had a higher pmi and a higher loan amount. In discussing the disparities in cost between the loan estimate and the closing disclosure, XXXX told me that he could not figure out how XXXX came up with XXXX for the PMI. He concluded that he must have entered the number manually and that he shouldn't have done that. I explained that the only reason I decided to proceed with procuring the loan was because of the savings I was quoted. XXXX said that the best rate he could find me was XXXX. He said that he was pretty sure that his company was going to have to eat the cost of the difference. He also said that underwriting was still taking a look at it to get it fixed on my disclosure. After a few days had passed I got a phone call from a VP at On Q to tell me they could not honor the pmi I was quoted and that my only 2 options were to either accept the new loan terms or cancel. He said that he couldnt legally pay the difference of my pmi. 

I believe that he is trying to prey on my ignorance of financial laws and regulations. I don't believe that an increase in pmi is justified when I didn't ask for any loan adjustments and my appraisal actually came in higher than anticipated. I have a feeling that I was duped into pursuing this loan by being quoted numbers that would sway my decision. Please help, thank you.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

On or about XX/XX/XXXX I received a streamlined loan modification trial {$3200.00} from Bayview Loan Servicing. I successfully completely the 3 month trial by paying {$3200.00} before the due day XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. I was told not make another payment until I heard from the new service company Shellpoint because the Service rights were transferred XXXX.I made my XXXX payment on or XX/XX/XXXX to Bayview. 
I called Bayview they informed me that my modification trial was successfully completed and the new service company would continue with my modification which was 187 additional months. I received a welcome package and a statement saying make of about {$2200.00} to be paid XXXX XXXX. I called 6 times to inquire about my modification agreement and I didnt hear back from XXXX XXXX. I received a Notice of default dated XXXX XXXX and no modification. I called Bayview and the said everything was sent to XXXX XXXX and they would honor the modification.
Consumer complaint received 2022-12-28
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: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NY)

In XXXX, I signed up with XXXX under a business plan. When signing up, the XXXX agent at the retail store advised me that since this is a business account, my personal name and social security would not be affected in any way. In XX/XX/XXXX, I did a change in responsibility for this account and there was some equipment balance for about {$300.00}. When making this change, I advised the XXXX agent that I would like to pay off the balance, and he advised me that the amount will be transferred over to the new account. I called XXXX a few weeks later and was told that I would receive a final bill. They also had my email on file. I simply agreed to this and had my account charged via auto pay on a monthly basis and did not feel I had to follow up. XXXX had the business address for the business account and my home address and email. I never received a final bill via email or via mail to any of the addresses. 

Sometime in XX/XX/XXXX, I received a call from Amsher regarding a bill for {$810.00} due to XXXX. This caught me off guard and I called XXXX and spoke to a customer service Rep name XXXX or XXXX  on XX/XX/XXXX. The reference number for this call was XXXX. I explained my issues to the XXXX rep and he advised me to ignore the collection calls for the time being and that he will put in a dispute and that he will call me back on XX/XX/XXXX with an update. On XX/XX/XXXX, I received a voicemail from this rep stating that he is still waiting for a response to my dispute, so I simply waited. 
Then comes Late XX/XX/XXXX and I got laid off from work along with my wife and other family members due to the Covid-19 crisis going on in XXXX XXXX XXXX. I received a call from Amsher asking for payment and I told the collections company that I'm waiting for a response from XXXX. On XX/XX/XXXX I saw on my credit report and file that a collections was placed on my credit report which had a huge negative impact on my score, reducing it by 101 points. I called Amsher and spoke to the rep, XXXX XXXX. She offered a pay in full settlement and I paid a settlement offer of {$450.00} and requested that this negative item be removed from my credit file. They said they can only update the record saying paid in full and only XXXX can advise them to remove the negative item. I then called XXXX and it took about 5 or 6 transfers before I was able to speak to a business care representative. XXXX advised me that to ask the collection company to remove the negative item from my credit file. Neither company is trying to help me. I never received any bills or letters and wasnt aware of my rights. 

I am requesting that this negative item be removed from my credit as this will severely impact my family and I, especially during this time of crisis that my family and XXXX XXXX as a whole are facing. I've never had a late payment or collections on my credit report
Consumer complaint received 2020-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I recently checked my credit report and there is a credit inquiry from Capital One that I do not recognize from XX/XX/2019. I did not apply for any credit cards or loans with them on that date. I contacted the company but they did not remove the inquiry.
Consumer complaint received 2020-04-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management (GA)

Requested Debt Validation on XX/XX/2020, from Ameri Financial Sol, which I requested a list of extensive documentation that gave the company the legal right to inquiry about this debt and place this so called debt on my credit report. Listed below and document attached below I've requested the follow : " Please attach a copy of the agreement with your client that grants Ameri financial Solution the authority to collect this alleged debt.

Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.

Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.

Please attach copies of all statements while this account was open.

Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for Ameri financial Solution, in case legal action becomes necessary : You must return this completed form along with copies of all requestedinformation, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter.

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the FDCPA. Please allow 30 days for processing after I receive this information back. '' Ameri Financial has failed to provide the necessary legal paperwork to prove that I am legally liable for the debt they are claiming I owe. Providing a billing statement does not legally give a collection agency the legal right to pursue collection. By federal law they must show proof that the consumer is legally responsible for the debt.
Consumer complaint received 2020-03-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MD)

I was previously told by FedLoan Servicing that I would receive information about an updated income-driven repayment plan that I filed on XX/XX/XXXX on XX/XX/XXXX. As of XX/XX/XXXX, I have not received the email FedLoan told me I would receive on XX/XX/XXXX or prior. When I call FedLoan Servicing on XX/XX/XXXX, I am now told that my plan is not ready by the automated machine ( the system would not let me talk to a live representative as far as I could tell, because all calls regarding income-driven repayments are directed to an automated system ). I am hoping for an updated payment amount as I believe that this would reduce my payments and given that I used the IRS retrieval tool for my income, I fail to see how something that should most likely be an automated process can be delayed. As I am working towards PSLF, I do NOT want to be put in administrative forbearance while this is figured out because I want all months of employment to count for PSLF. As such, I would like to continue to remain in repayment while this is figured out, but wish for it to be figured out as soon as possible.
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

This is absolutely ridiculous with the account type I have I was told checks are free I called customer service to order they give me a hard time and want to charge me they claim that Im supposed to be charged such misleading information and online it says beyond checking is free checks even at the branch I was told I can order by phone they refuse and want to transfer me to XXXX XXXX I dont understand them I want {$50.00} for the inconvenience they caused me and lack of proper information
Consumer complaint received 2020-03-21
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: Experian Information Solutions Inc. (GA)

I disputed wrong information 3 times starting XX/XX/XXXX but I did it in XXXX also they continue reporting and letting XXXX XXXX abuse my credit reporting information that is in my bankruptcy to which they agreed to in court I might add. I have given Experian proof that I have paid as agreed but they keep letting them harass me by reporting twice a month that I am Late. Under the bankruptcy they agreed to the terms do they get to be under the bankruptcy which is already on my credit and also report like I dm not under the bankruptcy. No other company under the bankruptcy is doing that how is this legal.. I have not missed no one payment in fact I have paid more. XXXX is a bank I never signed a contract with. They obtained my information because they merged with XXXX XXXX which I did have an account with in which I am in good standing with.. so how is this possible???? I never had an Account with XXXX ... Never signed a contract with them. They obtained my information because they merged with XXXX XXXX once again
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In the document provided, there is a checking account from Bank of America where it was closed due to a scam upon myself. I was investigated by the bank itself and found of no wrongdoing. How do I get this off my report?
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

I started calling Chase bank, the company that holds my mortgage, on XX/XX/XXXX and continued calling the XXXX and XXXX. on all three days my call was dropped after 3 1/2 hours or with a message that the call center was closed. I spent 9 hours trying to talk to a representative concerning my mortgage. I left a message on the company 's secure message page and after 2 days I have not received an answer to my request. 
I have been out of work for two weeks and my employer has informed me that the work stoppage will continue through the end of XXXX. 
I have written a request to defer a few mortgage payments during this time. I am unable to reach a representative of the bank or get an answer of any kind. 
I hereby submit a complaint against Chase bank not fulfilling their part in the federal government 's statement to help in these times.
Consumer complaint received 2020-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

New Rez is holding on to my escrow money and has not paid my property taxes. The taxes are now overdue. I called the company several times to get them to pay my taxes and they told me to submit a copy of my past due property taxes to them. I did, but there has been no response. I've tried calling again and agan, but hold time is so long that I have left two messages to call me back ( since last Friday, XX/XX/20 ). They have not called me back.