davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Sometime last year in XXXX we made a house payment like normal to XXXX XXXX mortgage which is now named XXXX XXXX XXXX, and then we got XXXX bank fees because the company tried to take the payment out a second time. When we called to tell them what was going on they said our account was on auto pay so its trying to take it out again. The lady on the phone told us that in their system it said the payment was processed twice and we didnt owe until the next two months cause we paid twice. We told her that doesnt make sense cause it was only taken once from our bank. And she said no Im her system it shows two payments. So we asked her to fix it and she ended up refunding us back our money from the original payment. Then we got a letter in the mail saying we were 30 days late because she somehow messed it up more. We called and asked why we were refunded when only one payment came out. We didnt ask to be refunded we asked her to fix it on the system cause we did not pay twice. But by now it was telling us to pay double so we were stuck for months trying to pay double. After we fixed that months later we were in the next year. We left the account on auto pay and there was a time it didnt process. It was the month of XX/XX/XXXX. Usually a payment would start processing a few days before the first and itll come out exactly on the first. It was already the 6th and no payment came out automatically so we called and asked what happened. The representative said somehow we were taken off auto pay. So we went ahead and paid it over the phone and she put it back on auto pay.

The very next day another payment came out again. So we paid the mortgage twice nexuses she screwed it up. Not everyone has two mortgage payments laying around to be playing with like that. So we called and a different representative has a major attitude and said of it was a weekend autopay wont process till after that. It still didnt make sense cause it was almost a week later. But either way the representative from before said it was off air pay c
ompletely. At this point we are frustrated and told them we need that second payment back cause we still have to pay bills. They said the will issue a refund through check and itll be here in 5-7 businesses days. We are in XXXX now with no check and another payment is being taken out again for XXXX when they still have our other payment from XXXX. We called many times through XXXX asking where our refund is and the manager said she would just overnight it. Still no check in the mail and we are being charged yet again and it says we owe for XXXX when we still dont even have our refund back. We called today XX/XX/XXXX and they said it was sent last Friday but theres no tracking information. This mortgage company has screwed us over many times and no ones has ever tried to really help us and they think money grows on trees and they are rude and Ive seen they had horrible reviews. I would sue this place if I could.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (CA)

These inquiries on my credit report were not from me 1. XXXXXXXX XXXX XXXX ( XXXX ) XX/XX/XXXX 2. XXXX ( XXXX  ) XXXX XXXX, XXXX 3. XXXX XXXX  XXXX XXXX XXXX XXXX  ) XX/XX/XXXX 4. XXXX XXXX ( XXXX ) XX/XX/XXXX 5. XXXX XXXX XXXX XXXX ) XX/XX/XXXX 6. XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX
Consumer complaint received 2022-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (MD)

I have a loan with Exter Finance. I make double my monthly payments and I have repeatedly asked for the extra payments to be applied to principal only. They say they will and it never is applied to the principal and nobody will actually fix it even though they say they will every time I call. There is also no option to view how my payments are applied until after my statement is released each month so I am unable to verify anything until well after payments are made and applied. 

When I have spoken to someone with any ounce of compassion who did try to help, I was told that I incur a {$7.00} a day interest fee no matter what and that's why it won't apply. This is 100 % predatory lending and illegal. My initial payment legally goes to my interest & principle, but any additional payment should go to principal only, when requested to do so
Consumer complaint received 2020-07-29
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: National Credit Systems,Inc. (GA)

Thank you for your time! Humbled am I! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract and Reporting Act section 611 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Act ( including but not limited to Section 623-b ) I asked these companies to simply show me verification of debt etc or if these items are mine. None have done so. I am asking for proof or delete the item. It has been 2 months now almost 3. I have been filing reports and giving them chance after chance to prove this yet they refuse. I mailed more letters off as late as last week. 

XX/XX/XXXX I mailed the first sent off letters. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Consumer complaint received 2023-08-09
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: EQUIFAX, INC. (GA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXXl has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions. 
Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened inaccurate, Last reported date is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2018-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Received a Voicemail last week that I had been sent a new debit card in late XX/XX/XXXX, and that I needed to activate it before tomorrow. I never received the debit card so I called in to get it resent, and found out for the first time that my original card 's information had been compromised, prompting the change in cards. 

WF 's Customer Service Representative proceeds to explain that they do not let customers know when their information has been compromised, opting instead to just replace the debit card. Essentially, it's on you to call them and see if your information has been compromised. As a result, my debit card information has been compromised as early as XX/XX/XXXX with no notification of that fact from Wells Fargo whatsoever. 

I recorded my call with the 2nd customer service rep at Wells Fargo. Realized early that there wasn't anything I could do, but wanted to get answers as to what WF 's  policy was moving forward. Call is linked here : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Aren't banks required to let you know if they've been made aware of a breach of your information? I just feel like that's absolutely crazy. I pay attention to my account, and all transactions, but I still feel like the bank should have to tell you when your card number is sitting on some bad actor 's hard drive somewhere.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, 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: U.S. BANCORP (IL)

US Bank and XXXX XXXX  US Bank reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian, XXXX, XXXX XXXX is reporting false information on my credit report involving a collection account after numerous times to investigate it they come back verified as true. 

Experian in complicit in aiding debt collector XXXX in illegally Re aging this account. 

Account XXXX, XXXXXXXX XXXX account number XXXX. 

Experian is reporting the open date is XXXX in an attempt to keep it on my credit report longer. 
The actual open date is XXXX the account is close to 7 year mark for removal and I want it removed. 

I have not made any payments on this debt to XXXX and to any other collection agency and any payment made on my behalf is fraudulent and I request any reciept which claims payment made. I dispute the debt and have not and will never make a payment on this alleged debt. 

XXXX XXXX tried to collect the debt on XXXX on behalf of XXXX and XXXX has numerous times tried to collect the debt without proof that would hold up in court.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Today spoke with XXXX in dispute department. I stated I have received an alert on dispute update. I disputed XXXX XXXX for late payment I was never late and for XXXX XXXX inquiry removal. XXXX told me that they stated that the information was certified and correct I told her that is impossible because I have my statement and what documents did they prove she stated none and they do not have to do that. Which means a creditor can just prove false information and they certify it to be true and affect consumers credit profile. I want them to be fined for ruining consumers credit profile without legal documentation to report negative information to tradelines. Also for false scoring calculations and not updating consumers profile when things are scheduled to fall off report profiles. Credit bureaus are the biggest schemes out here. Credit scores are not the same as lender when we purchase FICO score lenders are different. I want all negative information removed immediately.
Consumer complaint received 2021-04-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

Someone not authorized by me entered in my business account at XXXX on XX/XX/2021, with my User ID and Password XXXX XXXX XXXX XXXX  ( XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX ) in direct pay, few day after on XX/XX/XXXX and XX/XX/2021, there were two withdrawals of {$24000.00} and {$24000.00}, by multiples payments for a total amount of {$49000.00} : I made the report on XX/XX/2021, to WELLS FARGO fraud department and on XX/XX/XXXX, they deny my claim alleging that me or someone authorized by me made these transactions, what is absolutely false its a FRAUD, after receiving this response from the bank i made a police report then i give it to the bank making a new claim. 
It should be noted, i never received any mail, text message or alert about this transaction
Consumer complaint received 2017-09-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I owed Navient XXXX and these amount has not decrease since I started to pay them. I pay XXXX to XXXX per month and I ca n't lower my payment not the amount for over XXXX years now. I tried negotiating with them but they said that is all they can offer. I have found myself dealing with financial stress each month. I need help and legal advocacy because these loan is impossible to pay off. Please help.me find other solutions. This is the second time I XXXX help from your department.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (LA)

I have 2 secured credit cards with FIRST PROGRESS CREDIT CARD that I was using to rebuild my credit 10 years ago. I've put this card on the side and rarely use it. Until last month, AFTER I was hit with late fees because I did not pay the $ 39 yearly fee to have the account, I rarely received correspondence of any kind from this company. I paid off the balance because I figured I may have made a mistake. Then I started paying VERY CLOSE ATTENTION to what correspondence was coming in from this company. I've received statements/bills for XXXX & XXXX. Both of these statements have had a XXXX balance. Today I found out, through a company I am talking with about a consolidation loan/restructuring, that I have a {$150.00} balance on one of the 2 cards. This was NOWHERE in the statement/bill I received. I called the company 's customer service. The only way I was able to speak to a person was by telling the automated system that my card was lost/stolen. They have no other option to actually speak to a person or deal with a problem the automated system is not set up. I also found out that the customer service representatives have no way of corresponding digitally. All correspondence is by USPS mail or by FAX. I was instructed that I must pay off the charges on my card, charges that were only accrued because I was not made aware of a balance, before they will even consider waving the fees that they tacked on for a charge that was not a purchase. I've close one of the cards that I have with them ( the one with no balance ) and have left open the acount with a balance in the hopes that this can be resolved amicably. 

This is the most obvious form of predatory lending I, personally, have ever experienced. They are using one account against another to confuse the situation, demand payment of charges accrued due to their abnormal and purposefully difficult business practices, then expect me to pay them and fight for a reimbursement. They send me a bill for one account but not the other that has a balance
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I noticed some inaccurate information when I pulled my credit and sent a letter to the credit bureaus XXXX, XXXX, and Transunion this information they are reporting inaccurate is preventing creditor from giving me rates I deserve. I know a little about the FCRA and it stated that unverifiable or inaccurate information must be investigated within 30days or must be removed. These companies are in violation of the Fair Reporting Act
Consumer complaint received 2021-06-01
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MA)

I was in a forbearance plan due to XXXX for 18 months. US Bank sent me a packet to fill out and return to accept the offer of not being charged interest and add the amount that was excused to the back of the loan. The paperwork was filled out and sent. I went to pay my XXXX  on the XXXX of XXXX and the system prompted me that it was not accepted and to call a number. At that point they told me that they sent out the wrong paperwork but then sent the right paperwork later. I was unsure of what they were talking about. So now that they sent the wrong paperwork that was sent back to them in a timely matter they're saying I don't qualify for these terms anymore. I spoke with a XXXX who was a XXXX there and seemed like he was a new XXXX in training. I don't have the money to pay the interest and penalties from the forebearance. I needed this option. Please help us. XXXX of us in the home have XXXX  right now.
Consumer complaint received 2021-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (NJ)

XXXX : I informed XXXX XXXX  in writing that they should close my ( XXXX  ) account and I would be initiating a transfer of all of my cash out within the next week ... ... XXXX : Transferred all cash from XXXX XXXX  to an external account|Account balance : {$0.00} ... ... XXXX : XXXX XXXX processed and rejected a bill-pay charge for the amount of XXXX as the account balance was XXXX dollars.XXXX XXXX added two charges to the account., a {$35.00} overdraft fee to the account due to the above payment rejection. a {$20.00} maintenance fee.|Account balance : - {$55.00} ... ... XXXX : XXXX XXXX processed and rejected the same charge ( XXXX ) ... ... XXXX : XXXX XXXX  added earned interest ( XXXX cents ) to the account.|Account balance : - {$49.00} ... ... XXXX : XXXX XXXX  processed nd rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$84.00} ... ... XXXX : XXXX XXXX  processed and rejected the same charge ( XXXX ) and added an additional {$35.00} overdraft fee.|Account balance : - {$110.00} ... ... XXXX : XXXX XXXX  adds {$15.00} maintenance fee.|Account balance : - {$130.00} ... ... XXXX : XXXX XXXX adds {$15.00} maintenance fee.|Account balance : - {$140.00} ... ... XXXX : XXXX XXXX submits {$140.00} bill to collections, closes account.
Consumer complaint received 2018-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

they are reporting a collections and negative account on my transunion credit report that does not belong to me this account and balance are not mine and they were to removed these from my credit reports months ago please remove this incorrect information
Consumer complaint received 2021-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OK)

Equifax continues to report fraudulent and inaccurate information on my report. According to the FCRA i have the right to dispute incomplete and inaccurate information. Also according 15 USC 1681 ( b ) ( a ) ( 2 ) any consumer reporting agency may not furnish a consumer report without the written instructions of the consumer it relates. i never gave written instructions for this item to appear on my consumer report. Please block and remove it. 

1. XXXX XXXX
Consumer complaint received 2020-07-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Outsource Group, Inc (MO)

Medicredit has reported on all 3 major CBRs that this is a new account as of XX/XX/2020, they are reporting me as currently late on a new account that is not classified as medical debt, and they are continuing to damage my credit by violating the federal C.A.R.E.S act. Not only that but the original creditor has a computer problem on the date that I believe I recieved service and they do not have the correct information either.