davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC (FL)

There is a consumer report from EarlyWarningSolutions which states an account from XX/XX/2017 is reporting on my consumer report. This account remains on my report and has been stated by XXXX XXXX, assistant vice president of XXXX XXXX that this account with this account number is not a valid number or valid account with XXXX XXXX This account number XXXX therefore is incorrect and should not be on my consumer report considering the bank reporting the account confirms it is not a valid account and is not from them.
Consumer complaint received 2022-01-27
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LoanCare, LLC (TX)

In late XX/XX/XXXX I was sent an escrow shortage letter IN THE MAIL. On XX/XX/XXXX I sent the attached letter requesting that the shortage be spread over 60 months as permitted by XXXX guidelines XXXX I also attached the guidelines to this request. In my request, I asked LOANCARE to send me a WRITTEN CONFIRMATION that this shortage will be processed over 60 months. I'm yet to receive any updates. 

My experience with this company has been appalling to say the least and I do not trust that this issue can be resolved without CFPB intervention. Without getting the resolution in writing, this company would most likely readjust my due payments incorrectly after next years escrow review. The service reps I've spoken with are just as clueless as they come with no product knowledge to resolve issues.
Consumer complaint received 2022-01-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (ID)

Had property taxes wrong. The property insurance has been a issue for 5 Months.. Company put lender insurance on the property, I now have XXXX policies. I had to place place a new insurance policy in 2021 because the firm had let original policy lapse. .The lender insurance policy purchased did not cover the property replacement value and non coverage for personal property. I have tried to make contact through the VA, XXXX XXXX XXXXt, the servicer ( XXXX ) more than 10 times and no response. No body home. Help!!!!!!!!!!!
Consumer complaint received 2022-01-27
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: Experian Information Solutions Inc. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-05-17
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. (TN)

XXXX XXXX made a mistake on my account and reported a balance for collections. XXXX addmitted fault, closed collections, and stated it should have never been reported. I have disputed this event with Experian and the best they will do is list the collect account as " paid. '' The collection account should not have ever been listed and nothing was ever paid on my part, because their was never a debt. It was a fault on XXXX XXXX part, yet it is effecting my credit score with Experian. Experian says I can " pay '' to boost my score, which is essentially blackmail to bribe them to fix the erroneous reporting.
Consumer complaint received 2022-01-27
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. (NJ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-05-18
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. (MD)

I have recently reviewed a copy of my credit report. I Consumer, XXXX XXXX notice that there are several inaccuracies on my report that I didn't authorize. These accounts are violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692d, '' Any bad debt furnished on your reports is ruining your reputation and its defamation of character. I have attached my FTC report and my license and ssc.
Consumer complaint received 2016-01-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I have an Home Equity ine with Wells Fargo , NA, since they acquired Wachovia Bank. Since the changes in FEMA 's Flood Insurance Maps, Wells Fargo has insisted that I obtain Flood Insurance on the property mortgaged. The requirement was for the amount of the lien against said property. Since last year, Wells Fargo has billed me for an excess of the amount of insurance they claim I require because their figures show a lien amount in excess of the amount of the Actual lien. I have called Wells Fargo on XXXX/XXXX/15 and this situation was supposed to be corrected. To date, Wells Fargo has not reversed the charge of {$740.00}. Today I have had to call Wells Fargo, NA., Insurance division again to try to settle this. I am of the opinion that I am not he only customer that Wells Fargo is trying to " extort '' this way and I feel that this should be looked into seriously. Wells Fargo has stated to me again that it will take 10 days for them to " research '' the lien and asked to be called back. They refused to send an e-mail or correspondence with an answer. Please help.Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (AL)

Chime has closed my account for no reason at all and have left me in a bind. I had plans XXXX in a couple of days and was paying out of pocket cant now because they have all my money. I havent done anything illegal yet they closed it and holding my money.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

The Equifax credit report services web site at https : //www.equifax.com/personal/credit-report-services points has a " Get Started '' button that refers to https : //my.equifax.com for handling credit freezes. I placed a freeze on Equifax via traditional mail two years ago because their web site never worked properly. In the  intervening time, this web site has never been up, so I could never so much as register myself as a user with the information that was provided in my in initial freeze. This company purposefully makes an user self-service options frustrating and difficult. I have also twice attempted to temporarily lift my credit freeze with Equifax with the same result. Their web site is non-functional and exists only as a facade to make it look as though they comply with federal laws.
Consumer complaint received 2022-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I am currently with Fed Loan Servicing, and enrolled in XXXX. I am trying to get months I was in school-deferment to count towards my XXXX  months. I would also be open to submitting a payment for what my payment would have been back then. Some people have {$0.00} payments counting towards forgiveness, and I am upset that I was not provided guidance on submitting correct paperwork to get this status. I have XXXX messengered and spoken to people at Fed Loan. I also back dated an in school-deferment waiver to hopefully change this. No changes yet. Thank you.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (IL)

The transition from Simple bank to BBVA has been a complete nightmare. I literally can not believe this bank is allowed to be in business after the way they've handled their transition. I've been locked out of my online banking account for a week. The app apparently made up security answers for customers and when people try to answer them, they get locked out of their account. This is what happened to me and I've been on hold 3 hours a day for 4 days trying to get through to someone to get in my account. I'm just trying to close out my account and get away from this horrible bank as fast as I can. Keeping people from their accounts for this amount of time should be illegal.
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

previously i filed a complaint against American express because they keep denying me due to a old bankruptcy with your help they called me and issued me the new card then supposedly fixed the problem. they indicated it was a internal issue. well i called them and tried to replace a card I 've had with them for 3 years with no balance with a cash back card. they said i would have to apply for the new card and then cancel the old card. well i did. guess what. denied due to a so called bankruptcy again. they sent me it in writing and i quote ( filed bankruptcy )
Consumer complaint received 2016-01-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCSPLUS INCORPORATED (MO)

XX/XX/XXXX, I went to XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ) for my chipped teeth. It was the only XXXX I was able to find open ( Sunday ) and I had XXXX done for which I paid for up front the same day for the amount of {$1000.00}. The dentist quoted me around {$3000.00} for me to come back and have the actual full procedures completed for my teeth and I decided not to because I was going to have it done in XXXX where I have insurance. 
Recently, after 2 years from my visit to XXXX, I receive a call from their office stating that I owe them the {$3000.00} for the procedure which I never received from them. I asked them to provide evidence/any documentation to prove this and they never did. They stopped calling. I recently found out that they placed me in collections XX/XX/XXXX, but contacted me in XX/XX/XXXX for the first time asking that I still owe them. From reading reviews, this seemed to have happened before to other patients as well. I do not know how this place is still in operation.
Consumer complaint received 2022-01-27
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. (MO)

In XX/XX/2022 I discovered several fraudulent accounts on my XXXX, XXXX XXXX Transunion credit profiles. I was notified several times from multiple companies that personal information was hacked/leaked. I have filed a police report with my local authorities and I have also filed a Federal Identity Theft Affidavit along with mass personal information leak documentation.
Consumer complaint received 2021-05-17
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. (TX)

I have been disputing 2 items that are incorrect on my report for the last year and despite my disputes- Experian refuses to furnish information requested as part the dispute process. 

One of the accounts has been settled with the creditor- I have provided proof of the settlement agreement as well as proof of my payment and completion of such settlement. 

The second account has incorrect data reporting to all 3 bureaus- XXXX has already deleted the account as it has aged out. 

I would like Experian to properly handle my disputes and not farm them overseas to entry level support teams. 

Both issues are preventing me from obtaining a mortgage loan.
Consumer complaint received 2019-07-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (CT)

I have been contacting Sallie Mae for several weeks to speak with someone about a loan modification and learn all options for loan repayment for my monthly loan payments. Currently, my monthly payment is {$1400.00}, which is significantly more than I earn in a month. I have tried multiple times to call and gave been met with service representatives who can not answer my questions, or am put on hold and transferred to a different department and then hung up on. To date, I have been told that my options are to enroll in a graduated repayment program, put my loans into forbearance, or to speak with someone about a loan modification. After looking into it, I discovered that the graduated repayment program would not only add an additional {$3500.00} charge to my current loan balance, but also tremendously increase my monthly loan payment after one year- therefore, it was not a viable option. As I had already paid {$150.00} to put my loans into forbearance, I asked to speak with someone about a loan modification. I was then told I needed to wait for my loans to become past due for someone from the loan modification department to speak with me. This situation has already detrimentally affected my ability to try and get a refinancing loan with other companies and I can not afford to wait and have my credit score negatively impacted by Sallie Mae again. Sallie Mae has been giving me the run around for weeks and it has prevented me from being able to properly handle this situation. I am being denied access to critical information, and being mislead by representatives who continually tell me different information.
Consumer complaint received 2022-01-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

In XX/XX/XXXX I made two credit card payments that i transferred out of my checking account via online banking for {$2000.00} and {$1000.00}. On XX/XX/XXXX i discovered that someone called in and requested to remove those two payments and reverse them and send them to an outside account at XXXXXXXX XXXX. I have filled a dispute same day on XX/XX/XXXX and never received provisional credit to my account and was advised to make minimal payment and it will be resolved. 

Today is XX/XX/XXXX and after several attempts i haven't received provisional credit, money back and now i have extremely large amount of finance charges on my account. I think this is ridiculous that i need to wait this long for money that i never transferred out. Clearly a reg e issue. Bank is not following rules that are set to them.
Consumer complaint received 2022-04-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes, XXXX XXXX Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days.
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

I recently attempted to get pre-approval for a mortgage to buy a new house after obtaining a contract on my existing home. I was not aware of any problems with my credit and knew of no issues that might affect me getting pre-approved for a new mortgage. However, the mortgage broker I enlisted said that my current mortgage company, Citizens One, showed me as being 60 days late on my XXXX payment. I have bank statements ( attached ) showing payments made from XX/XX/XXXX to the current date, XX/XX/XXXX, for the balance due, plus additional principal payment, in the amount of {$1600.00}. I have repeatedly called Citizens One but all attempts at getting anyone to help me have been unsuccessful. They will not work with the credit bureaus to remove the 60 day late notice from my credit report. They continue to refuse my requests to speak with someone that has the authority to help with my request. I have been treated with callous indifference by everyone I have spoken to. As a result, I am at their mercy and will be homeless when I close the sale of my house unless I can get this corrected.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy. 


15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reportingagency can not furnish a account without my written instructions
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is reporting a debt on my credit file that I no longer owe. I recently looked at my credit and noticed this debt reporting for {$1400.00}. I called and immediately settled this debt. I was under the impression that I had paid this account and closed it. However, recently looking at my account I noticed that there was a debt, I was never notified, given any calls or letters. This violates my 30 day right to dispute and is a violation under the FCRA.
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

PHH Mortgage is the loan servicer of my home. The HomeOwners Assistance program has opened up in my state XXXX XXXX XX/XX/XXXX, I applied for assistance. The problem is that PHH Mortgage is not an accepted lender with the XXXX XX/XX/XXXX XXXX. I have called them on XX/XX/XXXX and XX/XX/XXXX ( PHH Mortgage ) several times and tried to communicate with them about the program. The representatives that I talked to on several different occasions do not understand that the company needs to sign an agreement with theTreasury Department ( government ) to accept the payments. They are drafting a letter to me to say that they will receive the government 's payments. Based on my conversation with XX/XX/XXXX, that is not going to work. Right now, my application is on hold because of the lender ( they will hold my application for 30 days only ). I am 31 months past due on my mortgage due to financial hardship because of Covid. If the mortgage company wanted to start foreclosure, they could at any moment. I do not want to lose my home, and I am turning every stone possible to prevent this from happening. I understand that PHH Mortgage does not have to sign up for the program. I want to know if they have any plans to start accepting XX/XX/XXXX. I was given forbearance after forbearance only to find out I could not get a load modification because of the investor guidelines. This is my last hope.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I became aware of a collection debt via XXXX XXXX XXXX XXXX from Procollect Inc for {$300.00} from XXXX XXXX XXXX. Debt sent to collections that was not mine. Identity Stolen and reported on XX/XX/21. Person had applied for multiple apartment leases in the area.
Consumer complaint received 2021-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Hard inquiry on my credit file from XXXX XXXX on XX/XX/2021. 
I do not recognize this company and never dealt with such a name. 
They have an address of XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I called the phone number, someone answered and said He is not affiliated with this company and has nothing to do with such a name and asked me to report the incident as a scam.
Consumer complaint received 2022-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

On XX/XX/XXXX I disputed something TransUnion reported to XXXX XXXX. 
As of XX/XX/2022, When I log into XXXX XXXX to check the dispute, not only does it show it's been more than 30 days, but it shows that there is still no decision on the dispute. I reached out to Transunion on XX/XX/2022 and i was told by them, that according to them, not only did I not have any current or past disputes, but if I were to receive an answer that it would have gone through XXXX XXXX, they could not be of assistance, and to contact XXXX XXXX, and would not help me any further. 

When reaching out to XXXX XXXX that same day, i received a reply on XX/XX/2022 that also says they ( XXXX XXXX ) could not find any disputes in there system, ( despite when i log in i can still see it in my dispute section ) and that they too could not offer any additional help as they did not have the resources but i was welcome to ask them any further questions