davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (AK)

I am a XXXX who has Perkins loans through ACS ( Account Campus Products and Services ). I have been eligible for and received a 20 % XXXX Cancellation of my Perkins Loans for the past two years. Most recently, I submitted my paperwork to receive 20 % Cancellation of my loan for the XX/XX/XXXX-XX/XX/XXXX school year. On XX/XX/XXXX, I received a letter saying that the dates of hire on my paperwork did not match ; therefore, my request could not be processed. After multiple attempts trying to contact the person whose name appeared on the letter ( XXXX, Customer Care Senior Assistant ) plus their main contact number ( XXXX ), For months now, I have been unable to contact them regarding this issue. I have called in the morning, afternoon, and late afternoon. I have called on different days of the week. Each and every time, I am put on hold for 30+ minutes and have never once successfully connected to a customer service representative. In addition, I am unable to access their website at www.acs-education.com. I always get a message saying that the page is not working or the server did not respond. As a result, I have absolutely no way to get in touch with anyone about repayment of my Perkins loan. 
At this point, due to this delay, I now have a bill coming due XX/XX/XXXX. Rather than delay further, I have decided to simply resubmit the paperwork. On their paperwork, it asks for a XXXX-digit account number. I have XXXX different account numbers from ACS : one that is XXXX digits, one that is XXXX digits, and another that is XXXX digits. I would like to clarify and determine which one to use. Yet again, their website is not working where I live in XXXX, and now when I call, I am receiving a message saying that " Due to circumstances beyond our control, we are unable to take your call. '' I have tried various other phone numbers and no one seems able to put me in contact with these people.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Identity Theft! There are accounts in my credit report that are not mine. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters! Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2022-09-09
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: OneMain Finance Corporation (CA)

On Approximately XX/XX/22 i sent a letter to this company ( One Main ) to remove the inaccurate information off of my credit report. I have not received any response or acknowledgement from them. I sent out an follow up letter by certified mail on XX/XX/XXXX and this company has yet to respond and/or remove the inaccurate information off of my credit file. I have attached the letter I have sent to them with my signed signature. Please help assist me with an investigation and the removal of this inaccurate information.
Consumer complaint received 2018-02-07
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: Law Office of Charles G. McCarthy Jr. & Assoc. (AZ)

In the process of buying a house this came up on my credit report. I had no clue what the debit was for so I called the collection company, The Law Office of Charles G. When I called the receptionist was very rude including cursing at me when I refused to give him additional personal information. I asked for a statement for the debt I owed I was told unless I provided more personal information I " could XXXX XXXX  '' The receptionist did eventually tell me that the original debt was from XXXX XXXX for a furniture lease/purchase. I have never bought furniture and applied for a loan/leased it. I have also never heard of this company. The collection company had my name and SSN but was unable to verify my correct DOB, phone number, employer at the time and correct address at that time. According to XXXX   credit reporting the account was opened with The Law Office of Charles G onXX/XX/XXXX and the owed amount is {$1600.00}. The original opened date of the account was XX/XX/XXXX. The address in which they provided I did live at but not until more than 6 months after the account was supposedly opened. I researched both companies and both companies have multiple accounts of legal action regarding fraud in which the companies have lost the suit. XXXX XXXX have over 900 complaints of this same issue for failure to verify identity. I have never received any calls, letters, or attempts to collect a debt from either company.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX , XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-08-13
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. (OR)

To Whom This May Concern, Over 30 days ago I sent a certified letter to XXXX XXXX XXXX and demanded they hand over the source of information that validates my obligation to the debt. They did not respond yet I saw the information posted to my credit report recently. My rights under FCRA don't permit such unlawful action. As you may now know, I now have the legal right to sue in federal court. 

So either delete the information or I demand you to provide the source information that validates my obligation to the debt. 

I am hereby exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/1988 SSN : XXXX As proof of my identity, I have included my passport, mortgage statement, and tax transcript. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX
Consumer complaint received 2020-05-20
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$710.00} XXXX   XXXX XXXX {$670.00} XXXX XXXX XXXX {$62.00} XXXX XXXX XXXX {$29.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$340.00}
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a Bank of America credit card used to balance transfers. I have 1 balance transfer with 0 % if paid in 12 months. I have a 2nd balance transfer with 1.99 % interest if paid in 18 months. In the past I've complained to the CFPB that BOA won't allow me to apply my payments in a manner that minimizes my accrued interest and penalty fees across both balance transfers. 

My statement mailed on XX/XX/XXXX doesn't provide my remaining balance on both balance transfer. All I see is a total balance ( see attachment ). In the past, BOA 's statement included information on the remaining balance on each transfer. In XXXX, I called BOA asking them to resend my XXXX statement with information that details the balance remaining on each transfer. The resent statement mailed XX/XX/XXXX doesn't include the information I requested as well ( see attachment ).

I believe BOA is purposely withholding that information from me so that they can maximize the interest payments I'm required to make. I also believe that BOA is altering my remaining balance, per transfer.
Consumer complaint received 2018-06-06
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. (CA)

Multiple attempts have been made to remove a fraudulent/misfiled account from my Experian credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018 I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2021, I noticed an unauthorized transaction of {$120.00} on my Bank of America Credit card ending with XXXX. This transaction was done on XXXX ( reference # XXXX ). I immediately informed Bank of America regarding the same, as well as XXXX. XXXX confirmed that such a transaction was not made on my XXXX account. After a day I received an unsolicited product at my home consisting of 18 kitchen glasses, XXXX confirmed to me that the account from which this order was made has been flagged suspicious and they have suspended the account. They further asked me to keep or dispose of the product which was delivered to me ( but which I didn't order ), I even asked them that I can return the product if it helps in the refund process. 

After a month ( XX/XX/XXXX ), the fraud dispute was rejected by Bank of America, stating that " The merchant provided documentation confirming you received the merchandise or service ''. I explained my case again to the bank and they agreed to reinvestigate, parallelly XXXX told me that this would be handled by the bank. 

After reinvestigating ( XX/XX/XXXX ), the Bank has again denied my claim and its refusing to further act on it. XXXX ( as per my call with them on XXXX, XXXX ) is also not willing to resolve it even though they admit that its a fraudulent transaction, even though I told them that the product is still safe ( after 2 months ) with me and they can pick it back and process refund. 

So someone fraudulently used my credit card on XXXX but neither Bank of America or XXXX are resolving it even though I am willing to return the fraudulently ordered product. The attitude of Bank of America is totally against the Zero Liability that they are advertising.
Consumer complaint received 2018-01-31
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. (OK)

Filed for bankruptcy on XX/XX/XXXX. Experian flagged my credit report with the bankruptcy information. All the companies I filed on also reported "debt included in discharge through Bankruptcy ChapterXXXX" with closed. Including XXXX, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. Experian has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.
Consumer complaint received 2021-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NE)

I received a private student loan with Navient in 2010. I have like anyone else financial issues that have come up, however I have paid XXXX to date when my loan was for XXXX dollars. I currently owe XXXX dollars! The rolling interest and forbearances have really increased the balance. How can they do this to struggling students that are trying to do the right thing and pay their student loans! This isnt fair and falls under what they have already been sued for in other states such as Pennsylvania. I called Navient to discuss and see if they would work out a payoff that is less than XXXX. They said no you can pay the balance that is all we can offer you. I was so upset since I am trying to do the right thing and get this loan taken care of yet not being taken advantage of at the same time. No one deserves this.
Consumer complaint received 2019-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I refinanced my property in XX/XX/XXXX and SLS was the new mortgage company that my payment was supposed to be made to. My first payment to SLS was supposed to begin Sunday XX/XX/XXXX. I attempted to make my payment online but I was having difficulty with my account. I had to wait till XX/XX/XXXX to make my payment as XX/XX/XXXX was an observed holiday and the company was closed. I called the company and the representative on the phone assisted with processing my XXXX payment. My payment information was Confirmation number : XXXX Effective date : XX/XX/XXXX at XXXX Payment Amount :  {$3300.00}. 

On XX/XX/XXXX, I received a call from SLS that my XXXX Payment was due even though I had a 15 day grace period. I informed the rep on the phone that I had made my payment but he stated that it was not showing on this record. It was then that I was informed that the payment was applied to an incorrect account. I was informed that this error will be corrected by XX/XX/XXXX. 
On XX/XX/XXXX, I called and the rep stated that they did not know how to address this even though they could see the payment in their system. This new rep stated that it could take 7-10 business days to correct this error and to call back on XX/XX/XXXX. 

I called back on XX/XX/XXXX as my payment that I made online for XXXX was applied as my XXXX payment. The rep I spoke with stated that to call back in another 5 days that this would be fixed. 

I called on XX/XX/XXXX and this had not been corrected. In the main time, I have been receiving calls from SLS stating that I am late on my payment. In addition, they have been spending me mail that my account is passed due. 

I called back on XX/XX/XXXX and requested to talk to a supervisor but I was informed that the supervisor was too busy to come to the phone and the rep on the call will attempt to help. Nothing was corrected during this phone call. 

I called on XX/XX/XXXX as I am concerned that with this not corrected, it was going to be reported to the credit bureaus. I was able to talk with a supervisor who stated that he will put in the computer a note not to call my phone for past du payments or receive delinquent mail at home. As of XX/XX/XXXX, this has not been corrected. I have contacted my attorney and she advised to notify the CFPD.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I have had my VA mortgage on my home for about ten years, for about the past two years My Loan Care LLC. has unfortunataly been the mortgae handler on my home loan. I have had to interact with them before in the past over the phone and I must say that after long wait times I was greated by customer service reps. that didn't even have command of the English language and completely ignorant. Last XX/XX/XXXX I was awarded by the State of Pennsylvania total real estate tax exemption for being a XXXX XXXX XXXX  XXXX veteran, this means that I no longer have to pay county property tax, school taxes and state property taxes. 
Both the state and the VA provided me with the paperwork/documents to submit to My Loan Care that instructs them to no longer collect tax escrow on my mortgae. As of today My Loan Care LLC has still NOT adjusted my mortgae payment or refunded my escrow balance. I have made conatct with them over the phone and the reps simply refuse to explain the delay or even to tell me if they are working on it? They refuse to connect or transfer me to their tax escrow department. I was told by a rep that the documents that I have submitted are not official and " good enough '' I have had to contact a VA official for help, yesterday he told me that My Loan Care isn't even responding to his communication efforts. This particular mortgage handler seems to have a horrible reputation in the industry and I can see why. I have to continue to make my non adjusted mortgage payments that does not reflect my real estate tax exemption which is about {$600.00} more than it should be.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (WI)

XXXX XXXX XXXX aka XXXXXXXX XXXX  XXXX i have been living and owing my property since XX/XX/XXXX still living in the house mortgage through u.s.bank the bank stated they gave me a modification back in XX/XX/XXXX but also i paid one of there attorney a reinstatement fee back then so i been trying to work with the bank to stay in my home since then in XX/XX/XXXX the bank said my house was in foreclosure so then i retained a mediator but the bank wanted me to pay almost 2,000 a month i could not afford that i was not making that much money with kids and also the reason i ended up with the mediator was because the bank was prolonging my modification package so therefore i ended paying the bank some money but i could not afford almost 2,000 a month so there for i kept seeking help but then the bank got to saying my house was sold so then i really could not get help i did not have any body so i went to the deeds of court and they stated i still own my house and my name is on my tax bill and deed so then i filed chapter XXXX and got the arrears down to XXXX through the plan and still made my bank payments yes i was late on 2 payments but i sent them in through the bank u.s.bank now i still can not get help from them they are still trying to foreclose i need help and more understanding the trustee lifted the stay and abandoment but i am still making my payments as of XX/XX/XXXX XXXX what can i do i do not want to lose my home.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (NJ)

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it againXXXX 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