davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
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. (FL)

I have notified all 3 credit bureaus multiple time on the reporting of an alleged bankruptcy on my personal credit reports. 
In these letters. I provided a notarized Affidavit filed with the bankruptcy court in the state of Florida notifying them of their violation of state and federal law by providing my private information. 
I also provided a letter from the courts stating that they do not provide any filings to credit agencies. 
I also provided a testimony that I had not authorized or given consent to anyone to access my private and confidential records. 
Since these agencies did not receive this information from the courts and I myself have never given these agencies permission to report any of my personal and confidential information I demand that the alleged bankruptcy be removed from all credit reports. 
Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 a,4, Congress states that there is a need to report that credit reporting agencies exercise there grave responsibility to fairness, impartiality, and respect for the consumer 's rights to privacy.
Consumer complaint received 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (OR)

Truist failed to withdraw payments as set up on autopay after going through months of working to get it set up correctly while my Dad was in the hospital and XXXX from XXXX. 

Truist also has reported three different things to each bureau which are inaccurate. They refuse to repair or remove the information so it is accurate. 

I have tried for months to get somebody from Truist to resolve this issue but continue to get swept under a rug by their resolution department. 

Im really upset.
Consumer complaint received 2023-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Original mortgage [ XX/XX/XXXX ], refinanced with WELLS FARGO on XX/XX/XXXX. 
Mortgage summary is as followed- 1- Loan Term : 30yrs.

2- Interest Rate : 6 %. 

3- [ Initial ] Outstanding Principal : $ XXXX. 

4- Current Outstanding Principal Balance : {$220000.00}. 

5- Current Monthly Mortgage payment : {$2600.00}. 

6- Current Monthly Interest payment : {$1100.00}. 

7-  Current Monthly Principal payment : {$760.00} 8- Current Net Monthly Escrow payment : {$760.00}. 

9- CURRENT TOTAL PAYMENT AMOUNT : {$2600.00} A- The issues of CONSTRUCTIVE FRAUD ; NEGATIVE EQUITY & NEGATIVE AMORTIZATION were raised by " mortgagor '' when he conducted some routine arithmetical calculations using the interest rate of 6 %, and the [ INITIAL ] outstanding principal balance to arrive at actual monthly principal payments of ( {$870.00} ). 

B- The discrepancy discovered, was in the comparative principal amount WELLS FARGO assigned to mortgagor 's monthly mortgage payments, AND the formulaic arithmetical calculations used to arrive at the natural monthly principal payments .... namely ; 1- [ former ] Outstanding Principal : $ XXXX ..... DIVIDED BY ... .... 

2- Loan Term : 30yrs ..... DIVIDED BY ... ... 12 months ... .equals {$870.00}. 


C- Resulting from the above ( formulaic mathematical calculation ), " mortgagor '' found that when comparing the result to WELLS FARGO 's assigned monthly ( principal ) mortgage payments. An event of " negative amortization & negative equity '' resulted. 

As the lesser of the two comparable principals was assigned to " mortgagor ' '' s monthly payments by Wells Fargo. Where said monthly payments " arbitrarily '' calculated and assigned by WELLS FARGO, enriches themselves by way of excessive interest payments and longer loan terms etc. 

In Summary, the " amortization schedule '' as of XX/XX/XXXX, being the very first principal payment. Is skewed, deeply abbreviated and discounted to the result of {$310.00} ( instead of {$870.00} ). Resulting in the conspicuous NEGATIVE EQUITY, due to the difference of {$550.00}, resulting from the discrepancy between the FALSE Wells Fargo amortization schedule 's PRINCIPAL PAYMENT ( {$310.00} ), and the genuine/orthodox, formulaic arithmetical result of {$870.00}. 

The " constructive fraud '' emerges here and in other places, but for the sake of brevity. 

The difference of {$550.00} resulting from the discrepancy between the two contravening and conflicting " monthly payments '' ... vis-a-vis.. Wells Fargo 's amortization schedule , and the Arithmetical Formulaic monthly payments . 

The discrepancy amount ... {$550.00}, is then kicked back by Wells Fargo to the initial OUTSTANDING PRINCIPAL, thereby fraudulently enriching Wells Fargo by way of astronomical future Interest Payments and further extending the terms of the loan, to the detriment of XXXX XXXX, by way of NEGATIVE EQUITY ; NEGATIVE AMORTIZATION... etc.
Consumer complaint received 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (NC)

My name is XXXX XXXX, I got XXXX XXXX  XX/XX/XXXX. XX/XX/XXXX I started having issues with the car. I was reassured that the issues were because the car has been sitting for a while. Anyways the issue continued. I let them know. Didnt get a response so I was told it was the brakes so I paid to get them replaced. This wasnt even 30 days into having the car. After that the car wobbles when I turn and makes a noise.. this is early XXXX. Im thinking its the tires. I replace the tires and get an alignment {$1200.00}. A few weeks go by ( Late XXXX ) and the waddling is back, there is a loud noise when I turn and its time for my oil change so clearly its NOT the tires. I call XXXX and they tell me itll be a month before they can do any service. I didnt want my engine to lock up. I pay for an oil change. ( XXXX ) I wait a month ( XXXX ). They had my car XXXX weeks and say they replaced the brakes and fixed the waddling but Ill need an alignment. ( {$290.00} If they do it ) Why not align it already? The car has been having this issue from the jump. I got it aligned at XXXX. I just purchased tires from them not too long ago so its included. I got my car back and the back was indeed fixed HOWEVER. All the issues I had in the back are now in the front. EXACTLY the same issues. The front was PERFECT. I have an ALL WHEEL DRIVE car so I KNOW all they did was flip the car parts underneath. Ever since I got this car, Ive had issues. Ive been putting money into this car from day one. I have fell behind on payments because its IMPOSSIBLE to pay for repairs and rent and car insurance. I cant make payments AND pay for repairs. I have reached out to Mercedes sent them the screenshots, bank statements confirming me paying for repairs, I do not want this car anymore. I wanted to trade. Now they wont finance it because my credit has fell behind due to this issue particularly. They wont resolve the issue do a payment deferred. Swap the vehicle out NOTHING. I traded my car in for this one so this is my ONLY means for transportation. They are XXXX up XXXX. Ive already reported them 6 times to the XXXX. They need to be shut down immediately I called XXXX financial and they said they wont accept any payments from me except the XXXX  XXXX full pay off amount THEY SOLD ME A BAD CAR AND THEY KNOW IT! Now the community needs to know it! I WILL SUE AND ILL LEAVE WITH MORE THAN WHAT THE CAR IS WORTH ESPECIALLY FOR THE PAIN & SUFFERING IF WE CAN NOT COME TO A RESOLUTION
Consumer complaint received 2023-06-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2023 I notified XXXX XXXX about them inaccuratley reporting a 30 day late payment on my Experian Credit Report. At the same time I reported the dispute to Experian. Experian notified me the resolution had been posted. When I checked, they reported me late in XXXX, rather than removing the 30 day late in XXXX. The XXXX payment was not even due. I then disputed it again with Experian. On XX/XX/2023 they notified me that the dispute was reolved. They removed the late payment in XXXX, but failed to remove the intial late payment in XXXX have yet to receive a response or evidence showing the late payment in XXXX as of XX/XX/2023, which has been several days beyond the intial 30 days I requested the dispute to be settled in.
Consumer complaint received 2022-02-25
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: LEXISNEXIS (TX)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2023-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XX/XX/2023 I disputed this with XXXX  requesting certain documents after 30 days waiting for the documents requested and under 15 US code 1692G they failed to provide me the documents I requested, but simply validated the information without providing me proper documentation
Consumer complaint received 2023-10-06
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Navient Solutions, LLC. (HI)

In XXXX, XXXX, XXXX. I XXXX XXXX XXXX has been hired at XXXX as a crew member Job Opportunity at XXXX XXXX located in XXXX, XXXX. Upon of getting hired of doing my orientation, The Hiring Manager informed me that since it will be my first Job opportunity in my age, The hiring manager informed me I will need to bring two proof of identification on my orientation day! for work. I told my boss okay ; boss I will be bringing it on orientation day of signing my important documents and all etc. Now orientation has been finished so upon catching the city XXXX bus transportation I XXXX XXXX XXXX fell asleep while TheBus was in operating motion, I had missed my stop and told The bus driver stop! I ran out the back door I noticed I turned back it dropped in the bus! I didnt know that it is very important to report my identity and my social card once I loose my personal identities which I have already reported to all important law offices. PLEASS DISPUTE EVERYTHING BACK IN XXXX and to XX/XX/XXXX. If you have Any questions or concerns to ask me feel free to email me or calls, faster response through email thank you
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (GA)

To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine. 

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXX showing on XXXX and XXXX 2. XXXX XXXX - XXXX that is showing on XXXX and Equifax 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX XXXX I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; Equifax is reporting inaccurate lates 4. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Equifax is reporting inaccurate lates 5. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; XXXX, XXXX, and Equifax is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (MD)

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXXXXXX Balance : {$860.00}, XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

I have student loans beginning in XX/XX/XXXX thru XX/XX/XXXX. When it was time to reconcile my loans in XX/XX/XXXX, I wasn't working and when I called Navient to see if I could make $ XXXX monthly payments, they put me on forbearance. I had no idea what this was but it eliminated my payment so I went along with it. This also happened in XX/XX/XXXX and XX/XX/XXXX. I was willing to make minimum payments of up to $ XXXX/month, but was not given that option. I also had no idea that interest was accumulating at a rapid rate and as of this date I owe {$1800.00} in interest. 

When I decided to look into what my options were, I was shocked to learn that there were 4 different income based plans that I could apply for. These were never explained to me. 

Recently I lost my job and called to ask if my $ XXXX/month payment could be lowered, I was told no that I would be put on deferment. I think this is terrible that I am willing to pay a monthly payment but am being told no. I am not sure what this is doing to my interest. Would the interest amount be different if I had been making small monthly payments the past 3 years? I want to file a complaint.
Consumer complaint received 2019-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MI)

I have disputed with credit bureaus XX/XX/XXXX who stated the it was verified with XXXX XXXX XXXX. I contact this company and found out the the debt was XXXX I called XXXX who I have service with as of now. XXXX doesn't show any balance amounts owning. If they did I wouldn't have current service with them now. I Explained that I have bank documents stating that XXXX was paid XX/XX/XXXX {$290.00} which left a balance of {$150.00}. Deductions paid to XXXX was XX/XX/XXXX {$150.00} and XX/XX/XXXX {$67.00}. I submitted my information to the XXXX XXXX XXXX collect they removed the injury. Now AFNI brought the account I sent a letter from them to validated the account I received a letter from them stating we investigated your dispute and updated our records as necessary. This letter serves as verification of the account. XXXX states that its nothing they can do.
Consumer complaint received 2019-06-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

Hi. I had to resign from my job in XXXX XXXX to move back home to care for my sick father in XXXX, Texas. His health went into decline after my older brother passed away. After moving back to XXXX, Texas, I have struggled to find permanent employment. I have been working temporary jobs through staffing agencies, however at times I've gone from one to four months without any work assignments or income. In XXXX I ended an assignment and contacted AES/XXXX XXXX  about my financial situation. I request an Income Based Repayment Plan with them around XX/XX/2018. They verbally approved it on the phone and said they would send me additional details. I did not receive additional information requests or forms to fill out. By XXXX, I called them again to find out what the status was, however they have been charging me for late payments the whole time. In XXXX they said that they received an approval from the Department of Education 's Student Loans agency indicating that I was approved for Income Based Repayment. I uploaded copies of my paycheck stubs and Tax forms. However, AES/XXXX said they rejected me because they did not receive those documents. I asked them why they did not take that up with the StudentLoans.Gov representatives and they said they did not know. I'm now over 6 months late on payments with them and they have not gone down or been adjusted based on my income, however late fees have accumulated. I feel like they have behaved in predatory ways and steered my loans into default by creating stonewalls in every way that I tried to adjust payments based on a change in my finances. When working with federal loans, I was able to upload all requested documents online, easily. This was not the case with XXXX/AES. When working with AES/XXXX, they did not allow me to upload documents online and said they sent things in the mail and they operate by old fashioned mail only. Before moving to XXXX, I paid all of my loans responsibly and I was gainfully employed. My credit score was above 650. Today, AES/XXXX has ruined my credit score and this will make it difficult to find permanent employment since most employers in my field conduct comprehensive background screenings that include credit checks. I would like my credit to be fixed and negative marks removed by AES/XXXX, and I would like to my account to be adjusted so payments are based on income and the fact that I have other loans as well.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

Someone opened a Target Credit card in my name. I have tried to dispute this and the company will not look into this. I have even asked them to Validate the debt and they won't send me any information on this.
Consumer complaint received 2018-06-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AL)

The problem began when PNC Bank went through a conversion to the loan accounts in XX/XX/2018. Since the beginning of my loan, I have always paid my payments early even though I am set up for auto draft. I was guaranteed at the beginning of the loan that I could pay early with no penalty and the Bank would not take an additional payment from auto-draft since the payment had already been made. Since the conversion, they have been taking an additional payment from my checking account even though the payment was made early. On one occasion, I had to transfer money from another account as to not overdraw my checking and be charged overdraft fees. On another occasion, my checking was overdrawn and overdraft fees were charged and they took money from another account to cover the home equity loan payment even though the payment had already been paid early. PNC has even turned my account over to their collection department stating I asked for an extension due to hardship, which I never did. All payments have been made early and an additional amount paid to principle since the beginning of the loan. I have talked to several people regarding this matter since XX/XX/XXXX and nothing has been done. I get a response of " there is an open case on your account '' but yet the mistakes continue to be made. If I remove the auto-draft from the loan, they can raise my interest rate. They are taking money that I don't owe. Getting them to return it takes weeks. After five months, I should not be dealing with this problem.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope this message finds you well. I am writing to follow up on my previous correspondence regarding the delayed opening of my accounts with your company. 

I have not received any updates or resolutions regarding the status of my accounts opening request. Given the urgency of this matter, I am reaching out to inquire about the progress and to emphasize the importance of expediting the correction of this issue. 

I understand that unforeseen delays may occur in the accounts opening process, but the lack of communication and transparency regarding the status of my request is concerning. As a prospective customer, I expected a more efficient and responsive resolution to this matter. 

I kindly request that you prioritize the review and processing of my accounts opening request to ensure its timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this issue. 

Please be advised that the prolonged delay in opening my accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. I trust that you will take immediate action to rectify this situation and provide a satisfactory resolution. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX Balance : {$230000.00} ; XXXX XXXX Balance : {$260.00}.
Consumer complaint received 2023-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

My loan has since been declined on XX/XX/XXXX due to retaliation as the reason that was given by email is within guidelines and was being handled at closing as a payoff. Which was the main reason for getting the HELOC to begin with. The actual letter of decline is due no later than Tuesday of next week ( 10 business days ). I submitted my compliant to multiple regulators and I want this retaliation to be documented with my current compliant since now they are looking for sixty additional days. The compliant filed here was on XX/XX/XXXX and the original compliant which is currently waiting on a response is XXXX. I also have additional information as it relates to the appraiser, that I will share upon receipt of Truist response. Thanks!