davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

on XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. Over 50 days later I have not received a response. I feel like my disputes and I are being taken advantage of and ignored. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days provides a basis for immediate removal of those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo repossessed my vehicle, after 2 months of missed payments. The initial loan for was XXXX and I had paid on the loan for 5 years. The balance owed on the loan was approximately XXXX. The car was sold at auction for {$5100.00}. I now have XXXX negative accounts on my credit report saying I owe Wells Fargo a balance of XXXX. When I called Wells Fargo about the very high balance due I was told that the balance imposed is for legal fees. I was also notified by Wells Fargo that I have to claim the balance of {$5900.00} on my XXXX taxes as income and when I asked for an explanation on that, because I did n't quite understand, I was told that I had to claim it as income because that is the way is it done. 
I wanted to add that I had XXXX, that led to my inability to pay for 2 months, because I was out of work from being hospitalized and being rehabilitated. I did contact Wells Fargo, XX/XX/XXXX, to try and offer a settlement and I was refused because the offer was too low of an amount. 
Also on XXXX/XXXX/XXXX I sent a letter to Wells Fargo asking for them to validate the debt and to date they have not responded to my request. Wells Fargo signed for my letter on XXXX/XXXX/XXXX and my credit report was not marked as " disputed " until today XXXX/XXXX/XXXX, an I have not gotten any validation pertaining to the debt.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$5400.00} and XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1900.00}.
Consumer complaint received 2023-03-22
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Consumer has opened multiple disputes with Equifax credit reporting agency in attempt to correct wrong information on consumers credit report in regards to settled collection accounts that should be deleted from credit report. First account is : XXXX XXXX XXXX  current balance is showing {$13.00}, account had been settled XXXX still showing as open with {$13.00} past due as of XXXX. Please see provided documentation from XXXXXXXX XXXX in regards to the said debt, should be marked as paid and XXXX has agreed to remove from consumers credit report. XXXX also publicaly on their website also states they will delete tradeline from credit report. Next account : XXXX XXXXXXXX XXXX This account is also settled, and collection agency per their website XXXX XXXX stated they will delete tradeline from consumers report. This policy is public and posted on their website.
Consumer complaint received 2023-03-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (MD)

Marcus CD early withdrawal of 6 months penalty is too high, its a business fraud. 

On XX/XX/2022, I opened a CD account ending XXXX with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, 2022. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. Instead of earning interest for the 5 months ( XXXX XXXX  = $ {$2000.00} ), ended up my account was debited {$2400.00} on XXXX XXXX when account was closed. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government? 

XX/XX/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. {$2000.00} XXXX XXXX {$2400.00} I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks. 

I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. XXXX helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX report. However, after calling Transunion and XXXX, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (NY)

Is n't there a law that requires credit card companies to apply customer payments to the balance with the highest carried interest rate first? I have a Chase Visa that I 've realized has directed all my payments for at least 5 mos. to my 0 % promotional transfer balance, and left my purchase and expired promotional balances unpaid, which further increases the interest on these balances. I 'm almost certain the CFPB prohibits this practice, perhaps I 'm mistaken, would appreciate your input.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I signed up for a credit card on XX/XX/23 because there was an offer for 0 % interest for 1 year including balance transfers. After this not being available on my account, i was told to wait and keep checking. on XX/XX/23, i spoke to a supervisor from Capital One who told me that there was no balance transfer offer and even though it may have shown that it was part of the offer- Capital One has the discretion to decide who gets balance transfer. This was the only reason i signed up for the card.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-02-23
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)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

All documents and/or actions are representation attempt to lawfully acquire information made accessible under government rule/act. None have I received ANY information or investigation results from the company ( s ) ( XXXX, XXXX, and TransUnion ). In XX/XX/XXXX credits reports are viewed online. Information is inconsistent and contains inaccuracies. 
XX/XX/XXXX Annual credit reports are viewed. Various inaccuracies, missing data, and incorrect items are noticed again. Website times-out frequently while using. The site requires many cycles of refreshing. I am unable to print viewed reports I used authentication to view because of unknown error, printing inaccessible. Authentication consists of unrelated questions about report content. This is very confusing and consequently leads to mistakes and unfamiliarity about identity verification. A disclaimer on the site mentions only being able to view the reports once. I panic. Luckily (? ), a glitch allows me to view reports the next day without authentication to prove identity. This is an identity risk and feels unsafe. 
In XXXX, the credit company ( s ) are contacted by phone and REMOVE items deleting incorrect data. Authentication is required once again verbally now and calls recorded. Representatives remove INCORRECT data ( names ) and CORRECT data during the call. However, incorrect names, incorrect address ( es ), and unreported data said to be fixed remains even after much time given to complete. 
( XX/XX/XXXX ) I mailed using XXXX  XXXX services, Fair Credit Reporting Act, Section 609 Letters to the company ( s ) XXXX, XXXX, and TransUnion. 
XX/XX/XXXX, Two-week notice of noncompliance ( Demand to Comply ) Letters mailed to acquire information and/or investigation results. Also requesting REMOVAL of ALL Negative Items, inaccuracies, and unverifiable information. 
XX/XX/XXXX, Fair Credit Reporting Act, Section 609 : Demand to Comply:30 Day Letters sent requesting all of my verifications, investigation results, and IMMEDIATE DELETION of ALL Negative Items, inaccuracies, and unverifiable accounts. To all requests I received NO RESPONSE.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AL)

Experian claims that the XXXX account is mine after much evidence that this is a fraudulent account. They erased it once but decided to add it back due to " new '' evidence. 
I have provided documentation to prove that it was fraudulent activity even the credit company had statements with the wrong address. It even went to the point where the company tried to sue me but did not show up to the appointed court date of XXXX XXXX, 2016. The judge recommended that this would be thrown out because the prosecutor, XXXX XXXX, was absent to the hearing. 

Also Experian provided a false document to the Attorney General about the investigation that seemed generic at best. Experian even went as far as to reference a XXXX XXXX which is on page XXXX of the document Experian Attorney General ( not sure who XXXX XXXX plays in the picture ). I am assuming that the people at Experian use a cookie cutter letter that they send out to dispute and not really take the time out to examine the matter. 

If that is the case, Experian should be punished for neglience because people lives are at stake.
Consumer complaint received 2016-06-07
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

Mortgage company, Bayview Loan, are sending me statements and increasing my mortgage stating they are escrowing my tax. I pay my own taxes and can show it. One month they created a credit card on my profile at the town of XXXX website and made two payments on my taxes without informing me and then I paid these taxes as well. As a result there was an overpayment. I complained/spoke with the town of XXXX tax collectors office and set up monthly payments to the town of XXXX for my real estate tax. The town of XXXX reversed the payment that Bayview made, however Bayview is sending me statements charging me for taxes they anticipate they will pay ( even though I sent them a letter stating I do not want them to pay my taxes ), and are continuing to charge me escrow and increasing my monthly mortgage saying they are paying my taxes, when I am already paying them myself.
Consumer complaint received 2015-09-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

The collection company said that the hospital had a contracted Dr. on duty the night my daughter was seen at the hospital. They said health insurance paid the hospital bill but not the separate Dr. bill. The hospital is no longer in business. I ca n't get a hold of them to fight this bill and I am desperately working to improve my credit. To add insult to injury I was n't even the person who took her to the hospital that night almost 5 or 6 yrs ago so I did n't even sign the paperwork. Their are approximately XXXX separate accounts.
Consumer complaint received 2024-02-23
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)

My personal information was stolen, several years ago when I filed my taxes. The company that processed my tax returns informed me that my information may have been compromised and to view my credit report. I did see several fraudulent items. I was advised to file a report and contact the credit bureaus. I contacted Equifax, XXXX XXXX, and XXXX several times and they were not willing to assist me. I am filing a official report to have these accounts to be removed from my credit report. 

-Diversified Adjustment opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX -Roadmaster Drivers School opened : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (CA)

The company name involve is XXXX  XXXX  Address : XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Finance a used vehicle : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Reach out to the company the next day which was XX/XX/XXXX to Unwind deal which they said they cant do. I also brought up the Contract cancellation option agreement stating i can return the vehicle back by XX/XX/XXXX XXXX or a mileage less than XXXX. This is something that can be chooses between Accept and Decline. When signing paper I get I have a responsibility of Reading what i sign but Iam a first time buyer. I didnt know what i was doing/ signing for nor did the finance guy explain what i was signing for. He told me to sign everything that had the highlighted portion so i did. I did realize within the highlighted proportion i was given option until the next day. 

I contacted today ( XX/XX/XXXX ) again to reach out that I can not Insured this vehicle. I was unaware when leaving the lot to home that the vehicle wasnt insured. After many attempts on finding low insurance. It was hard to find insurance company to accept me. 

As of right now I can not insure this vehicle and if so I can not afford it. Insurance offer to me is more than the actual payment of the vehicle. Insurance looks like XXXX. My payment for the vehicle is XXXX. 

I honestly gave every correct information on gross income and everything when looking for a car. 

I came in to the dealership to buy another car that i kept in contact that they had but when i went they said they sold it when i got there but they have other options than proceed to sell me a car that was 2 time better than what i came in. Iam XXXX XXXX  of gon na take on a XXXX car payment which if i want to drive gon na have to seek ridiculously amount of car insurance on top. 

There should be a law or something in place for a certain age to look at vehicle or buying a vehicle for a certain price. Like maybe an authorization. Again Im XXXX XXXX XXXX, first time buyer. I liked the car but realize it was a mistake. Tried everything to unwind the deal and give them back their car but nothing happened. I did a trade in for my other car. I would like to give back there car and them to give me back theirs. 

I mess up I realize and i need help. These people there were the nicest people they were very pushy and i was definitely taken advantage of. I need help thanks
Consumer complaint received 2016-08-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

The loan has an escrow payment attached due to a property tax non payment that is now 18 months ago. The taxes have been serviced the payments made insurance maintained. To be specific Bayview Loan Servicing has made two tax payments totaling {$4400.00} and I have made one over the period of the supposed escrow. All other payments have been made by myself. The mortgage company stated over the telephone several times the " escrow '' payments would be complete and the loan would return to the original loan payment in XXXX of XXXX. The overpayments have amounted to over {$10000.00}. The amount was to be returned to myself at the end of the escrow period. The escrow period was to be from XXXX XXXX ending in XXXX of XXXX. The XXXX payment includes the escrow payment again with a confusing " reset '' of the escrow amount claimed. When the company has been concatenated by phone the explanation has never been clear and the unknown escrow amount and timeframe now open ended. 
We have also had a problem with holding of payments for 10 days after mailing resulting in late fees
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

I applied to be enrolled in the PSLF program in XXXX of XXXX. On XX/XX/XXXX I received a response from Mohela informing me that my request to enroll in the PSLF program was denied because my employer is a non-profit organization. 

However, I am a social worker, and my position meets the requirements in the public service sector. My current employer is a state organization that provides services for a low-income community. 

I would like my PSLF application to be reviewed again for approval to be enrolled in the PSLF program.
Consumer complaint received 2015-07-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vengroff Williams, Inc (LA)

I received a notice from a collection agency ( Vengroff Williams ) and am contacting you because I do not owe this debt. This was settled with XXXX back in XX/XX/XXXX. I picked up the trailer in XXXX for a XXXX way trip to XXXX. When I went to turn the trailer in at the XXXX location, the place was closed. I then called the XXXX number and was told just to drop it off. They would take care of it on their next business day. XXXX charged my credit card and then refunded the amount after I called them explaining what happened. I called the collection agency when I received the first notice. Today ( XX/XX/XXXX ) I received a XXXX notice for VW. I did submit a dispute to XXXX today as well. Also, I do not have any paperwork from XXXX on this because it is from XX/XX/XXXX.
Consumer complaint received 2022-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

The mortgage company PennyMac suddenly increased my mortgage payment by {$22.00} month in XX/XX/XXXX. Without any explanation. On or about XX/XX/XXXX, my monthly mortgage payment increased to {$640.00} with no justifiable reason or explanation. For the past 24 months, I have made additional Principle Only monthly payments in the amount of $ XXXX {$310.00} each month. My monthly mortgage payment should not have increased. This company is gauging customers for additional money. I have requested that my account be reviewed, corrected and my normal payments show as paid in full. Please contact me at the above address regarding this matter.
Consumer complaint received 2021-09-01
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Fidelity Services, LLC (PA)

I had a previous account with XXXX XXXX from XX/XX/2013 on which the statue of limitations has exceeded the time frame .I have Received several harassing calls from Midwest fidelity debit collection company XXXX. I spoke with a rep there and ask them shouldnt they have notified the consumer when purchasing a debit with 5 business days they stated yes .I also told them I never received a debit validation letter. They continually to harass me