davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The credit bureau never did a proper " investigation '' according to the FCRA The item investigated consumer reporting means a consumer report portion thereof in which information on a consumer 's, chapter general, reputation personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associate associate of the consumer on or with others with whom he is acquainted or who may ha knowledge concerning any such items of information, They did not do this Also, they have violated my rights even more. 

In according with the fair credit report Act Everything has to be 100 % accurate on my credit report which is not. 
They also violated the law because according to 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 furniture and account without my written instructions. 

I did not give anybody written instruction XXXX XXXXXXXX ACCT # XXXX
Consumer complaint received 2024-02-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX called me XXXXXXXX XXXX  they called themselves XXXX XXXX badge number XXXX I blocked and they called XXXX to share my screen and get me to do fire fraud XXXX I tranfered XXXX to XXXX XXXX XXXX I called real wellsfargo to pause account I call the FBI around XXXX to make IC3 report they me to do it online then around XXXX I called to get account info to call XXXX XXXXXXXX XXXX and do the IC3 report I am told that they can't give it. So I go to the bank in person XXXX they also said they couldnt give to me :
Consumer complaint received 2022-09-02
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. (PA)

Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

On Friday, XX/XX/XXXX, I contacted Great Lakes after receiving news of XXXX 's Loan Forgiveness. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but they weren't even sure when the refunds will be reflected on my account. I meet the income requirement so I am eligible for $ XXXX forgiveness. Throughout the pandemic I paid around $ XXXX in payments. 

What's worrying me is that the application for forgiveness starts soon and Great Lakes won't be processing any of these in time for me to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed. Them not even knowing their own time frame of when I can see my refund back into my account concerns me that I will not get forgiveness for the amount I paid during the pandemic. 

Great Lakes can not send out confirmation emails or anything to prove that they indeed did send in our request. Seeing other people 's loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that Great Lakes does not have our best interests at heart.
Consumer complaint received 2019-02-02
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. (FL)

Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX  XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct XXXX XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2022-08-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I was given a loan modification in XXXX with Bank of America through XXXX their servicer. Ive paid my loan for over 3 years every month. The problem began when Bank of America started servicing the loan again in XXXX of XXXX. I submitted a complaint to this agency about the fact that Bank of America attempted to change the criteria of the loan modification by placing an extremely high lender placed insurance on the loan. In XXXX of XXXX my insurance escrow was reduced my payments were to be {$830.00} a month. It never happened in the process I still continued to pay my original payment of {$780.00} monthly. Then in XXXX of XXXX, I received a letter of intent from a lawyer hired by Bank of America saying I was 4 months behind in my payments. Which was a false claim. I sent my original payment of {$780.00} in for XXXX, XXXX, XXXX and XXXX of XXXX, I have bank statements to prove this. Upon my filing another complaint on Bank of America they sold me to XXXX who now continues this false narrative of my payments. By placing me in foreclosure status my payment in XXXX was sent back. Since all this began Ive spoken to their attorney and Bank of and XXXX They threatened me with a sale date of this XX/XX/XXXX which is illegal without a court judgment. I would like to know how they can process a foreclosure based on false payments statements. Bank of America also falsely accused me of having a forbearance with them that I did not have. They have no proof of a forbearance program, I have payments statements to prove I paid continually. Adding all these fees plus the attorney fees is fraud on their part. Shellpoint as you can see has added more unexplained fees and payments. The proper calculation is needed to proceed. This matter has been filed in superior court in XXXX XXXX XXXX Im fighting for the truth to be upheld and for these banks to admit their error.
Consumer complaint received 2022-09-02
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)

Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.
Consumer complaint received 2022-09-02
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: Experian Information Solutions Inc. (FL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

1. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to authorized this inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to authorized this inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : Date of Birth : XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Consumer complaint received 2019-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My loan was transferred to a new servicer Rushmore Loan Management Services. I have received a loan modification packet from Rushmore Loan Management Services and have submitted all documentation they have requested to them fax. Im in review but my foreclosure sale date is still showing online as active on XX/XX/2019. Im scared and do not know what to expect from the company. Im working with them but do not know if they are willing to do the same and follow the California Homeowners Bill of Rights Act.

Here is some information from previous servicers and what has happened. 
I received a loan modification package from XXXX XXXX  with a proposal trial period payment for 3 months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX  XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i couldn't pay before in the first place? 
I have spoken to a lot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$660.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}? 
Please help me as this is getting out of hand and Im worried for my family and losing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification. 
I have sent Rushmore Loan Management Services my full Request for mortgage Assistance package and they have received it with no error. But while in review I still show that the sale is scheduled and coming up.
Consumer complaint received 2019-02-04
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. (NY)

These dont belong to me please its hurting me.I never authorized these accounts. 

XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX XXXX Reported : XX/XX/2019 {$950.00} Closed OTHER LOANS XXXX Reported : XX/XX/2019 {$0.00} Closed XXXX Reported : XX/XX/2019 {$0.00} Closed
Consumer complaint received 2019-02-02
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. (CA)

I have sent information to XXXX on several occassions regarding a home that I sold in XX/XX/XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( XXXX  ) states that a creditor received a deed ( XXXX ) what creditor.Foreclosed I have never lost a house as XXXX XXXX XXXX was paid and also requested XXXX and to take the word Foreclosure off my record. That was done by XXXX XXXX @ Executive Mortgage Complaints Office of Executive Complaints XXXX XXXX XXXX, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX  and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX   requested 4 times and 4 times for what as XXXX had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX  on XX/XX/XXXX reference number # XXXX. XXXX XXXX  phone # XXXX. ( XXXX I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and XXXX says that they have no number. Come on The IRS.And XXXX  Inquiry on XX/XX/XXXX for what?.
Consumer complaint received 2018-12-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have requested that Bank of America correct my credit file to something other than a payment status of 120 PAST DUE. Evidently they feel that because the loan was transferred while past due, that it should be designated as past due forever by them even though the loan was brought current with the new loan. The loan was transferred in XX/XX/2015, yet they refuse remove a status that shows a current derogatory on my files with XXXX  and XXXX.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX XXXX XXXX-Balance : {$20000.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXX-Date Opened : XXXX XXXX  XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXX, XXXX XXXX XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXXBalance : $ XXXXDate Opened : XXXX XXXX, XXXX XXXX XXXX XXXXBalance : $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-02
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: FIFTH THIRD FINANCIAL CORPORATION (CA)

I had a credit card with Fifth Third Bank that was no longer needed. So I went to one of their banks and had the card closed out. I also called and had them close the card out. Still after that the card wasn't closed out. So they charged the annual fee, causing the card to accrue late fees. Fifth Third agreed that I shouldn't have to pay the fee or late payment fees and said that they would take are of all the negative repercussions ( AKA the reporting of the late payments ). They never removed the history from my credit report. They have told me that they have no record of a call or request to close out a card. I have called them about 20 times and talked to 3 different supervisors. I have also gotten yelled at by their customer service representatives. I have been told that I was verbally abusive to them, and then hung up on as well. I have been told by 1 of the supervisors that they didn't see any late payments on my report, then they denied that the conversation ever happened. All they will say now is that Fifth Third admits no bank error and will not remove the error. Even though they admit it doesn't affect Fifth Third it only effects me their 13 year customer. I can't get a credit card, loan, or financed for anything now that this is on my credit report. I have never been late on any payment for 13 years. This is impacting my wife and her credit score as well as any finance option she is trying to get as well. It is affecting the way we live our life. All because Fifth Third will not admit wrong doing or make me whole based on my horrible customer experience ( lied to and getting yelled at and hung up on ).
Consumer complaint received 2019-02-02
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. (NJ)

I pulled my credit profiles and noticed 2 credit inquiries ( XX/XX/XXXX and XX/XX/XXXX ) by XXXX XXXX XXXX. I was not familiar with the bank or the noted inquiries so I attempted to contact the company to obtain information about the inquiries. I sent a letter via certified mail to the address indicated on my credit profile. The letter was returned undeliverable and noted that the address didn't exist. This is the same address reported by the company on my credit profile. The law requires that credit reporting agencies report complete and accurate information. These 2 credit inquiries can not not be verified per the undeliverable address referenced on my credit profile.
Consumer complaint received 2021-08-23
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. (MS)

On XX/XX/2021 I started filing disputes with Credit Bureaus about the information that is being reported on my credit report. I have not heard or receive a response from the Credit Bureaus. Since then I still I sent more letters and still have not received a response. The three credit bureaus are XXXX XXXX, and Experian. I have sent them documents show that the information was not correct. They haven't verified the information or sent response.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid 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)

No action was taken! I was lied to by Discover Card services and they also lied to CFPB XXXX XXXX and claim CFPB XXXX XXXX also for XXXX XXXX XXXX XXXX i submitted a claim to Discover Card Services For unauthorized subscription fraud account charges by XXXX XXXX Discover on XX/XX/2022 they reversed the charges back and I received credit then without my knowledge Discover reversed the fraud charges back to my card! And again Allowed XXXXXXXX XXXX to charge a new charge on my account on XX/XX/2022 There was no update on the dispute from XXXX XXXX Discover Card had claimed the matter of the disputed charges of the claim was being investigated but it is not! The charges are back on my card and they allowed XXXX XXXX to continue to Charge my account yet again!! On XX/XX/XXXX! I called Discover and the operators in billing and in Fraud Dept say they do not have this claim on file! And they ( Discover Card ) has allowed XXXXXXXX XXXX to charge my account again in XX/XX/2022 with out my authorization or my knowledge! This again is after I filed the dispute for fraud! Today XX/XX/XXXX I have requested to cancel and replace my card with a new card to prevent further unauthorized charges as Discover has done nothing to stop the fraud and disputes! Discover fraud Dept has unqualified operators answering the claims they make jokes and Manipulate the conversation they put in a Charade of distractions instead of being professional! I spoke with XXXX today at XXXX XXXX XXXX ; and in Ohio it was XXXX their time ; I asked to speak with his supervisor after a lot of back and forth nonsense his response was well its too early to get a supervisor non of the Discover Customer phone operators are professional they claim not to have my phone number on file they dont know about a claim that was just opened even after providing information to them they put on a charade its very frustrating to deal with Discover card customer service. I dont know what is happening with the dispute! I had to close my card account and have a new card issued to prevent further fraud! I am very frustrated at the lack of information I am given by the Discover Card phone services billing and fraud are awful! They give false information about the claim they claim not to have information and say charges are valid until investigation is complete but no update is given and I am being told by Discover that another charge was authorized in XXXX but I was never notified! I am very frustrated the lack of support and And information given by discovery card phone operator in all departments at Discover card services! I still do know anything!