davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-08
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. (MO)

This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after XXXX responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by XXXX 's agent ACT ( collection agency ) as of XXXX, the account was listed as settled in full and closed meaning it was sent back to XXXX to update on both of our credit reports among other things. However, XXXX still has the account status listed as a charge-off. Additionally, on XXXX 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and XXXX refuses to uphold the terms of our settlement agreement. ( See attachment : Updated XXXX Settlement Agreement ). 

A settlement agreement was made by XXXX 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while XXXX has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that XXXX concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with. 

According to XXXX 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan. 

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence. 

Further, I am alleging that XXXX entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to XXXX as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to XXXX as " settled in full '' and closed.
Consumer complaint received 2022-10-15
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. (MI)

Acting on behalf of my grandson XXXX XXXX XXXX XXXX XXXX  years of age who is currently in my care as I am his legal guardian, I have attempted on 2 occasions to obtain his credit report by Equifax in XXXX Georgia XXXX My grandson is a victim of Identity theft by his own Biological Mother, XXXX XXXX who has mixed the names and social security numbers of both my Son XXXX XXXX XXXX and my grandson XXXX XXXX XXXX XXXX Please see letter that is attached to this complaint. I had written Equifax in XX/XX/2022 requesting my grandsons information as power of attorney at that time. Please see their response which explains mix matched information and they would require addition information to provide his credit history. I had written another letter to Equifax in XXXX, providing all of my demographics and my grandson that was requested. I received a response back from Equifax dated on XXXX XXXX providing a different name of XXXX XXXX and stating that I should mail a request to XXXX XXXX. This appears to be Equifax attempt to blatantly hide my grandsons credit information. I can never get anyone on the phone or speak to a live representative.
Consumer complaint received 2023-04-10
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. (GA)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX 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 XXXXXX/XX/XXXX ;
Consumer complaint received 2018-02-17
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. (GA)

I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

When I first applied for assistance, after my COVID forbearance had ended I was not in foreclosure. I sent my documents in on XX/XX/XXXX. 
I resent the documents directly to my relationship manager on XX/XX/XXXX. He was very helpful and emailed me right back confirming receiving the docs on XX/XX/XXXX. ( see attached email record ) I called in to see if my package was complete and I was told to send in additional documents, which I did on XX/XX/XXXX ( see attached email record ) After submitting the corrected XXXX XXXX XXXX additional Bank statements, and my Tax Return extensions on XX/XX/XXXX, I called in and was told that I needed to send the same documents in again. On XX/XX/XXXX I did AGAIN and included an explanation, to help with any confusion. ( see attached email record ) Again, I called in, again I was asked for additional documents, that I had already submitted, so again on XX/XX/XXXX I sent them in. ( see attached email record ) When I called in again to check on the status, I was told that the SAME documents are missing, but that now my loan was in foreclosure. 
I am now resubmitting the package and the missing documents AGAIN, which I was told to do before a sale date was scheduled. ( see attached email record ) I am worried that I will continue to go back and forth with the same documents requested and the same sent in over and over until there will be a sale date and I will not be able to save my home. 

To complicate and delay things further, the hours listed on the application are not the correct hours that they are open, see attached. They are open until XXXX, but on correspondence, it says XXXX.
Consumer complaint received 2021-11-01
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. (IL)

The consumer reporting agency is in violation of 15 USC 1681n for the willful noncompliance of reporting inaccurate information on my consumer report.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I filed a formal complaint with Shellpoint Mortgages and they have corrected only a portion of the problem. 

Shellpoint notified us that our flood insurance lapsed in XX/XX/XXXX and if proof of coverage was not provided, they would place their internal flood policy on our payments starting on XX/XX/XXXX. We provided proof ( via email and an via an upload link ) that we had coverage on several dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The surcharge was {$190.00} for XXXX and again {$190.00} in XXXX. Shellpoint finally recognized our coverage and indicated that this issue should be closed on XX/XX/XXXX. However, they only promised to refund {$280.00}. Shellpoint should refund the full {$390.00} The original complaint ( XXXX ) is closed, but I am not satisfied.
Consumer complaint received 2023-04-10
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)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$1000.00} XXXX  ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4100.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1000.00} XXXX ( XXXX Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

A request was made to ED financial to refund the amounts paid during the COVID pandemic on XX/XX/2022. 

I have yet to receive a refund, nor have I even received a time frame for expected refund. 
It has never taken any company that Ive dealt with, more than 4 weeks to process a refund. 

This appears to be common complaint online regarding ED financial services- Mishandling of refund requests, delay in refund submission request, delay in processing refunds.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am a victim of identity theft and these accounts DONOT belong to me nor did I authorize anyone to. Thank you.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

My name is XXXX XXXX, I have a property with Wells Fargo that I purchased with my I.T.I.N number and currently have a short sale offer for. In the past I applied many times for a loan modification but Wells Fargo never granted a modification ; Wells Fargo stated I was not eligible due to social security not matching, so continued to foreclose against me. How is it Wells Fargo allows me to purchase the property but will not allow me a work out option due to my I.T.I.N not matching? 
I decided to list my property for a short sale instead of having to go through a foreclosure. Once a submitted an offer, Wells Fargo suspended foreclosure against me on XX/XX/XXXX. In the final stages of the short sale review, XX/XX/XXXX, I was informed that the short sale buyer needed to submit bank statements to Wells Fargo by Sunday XX/XX/XXXX and Tuesday, XX/XX/XXXX, XXXX XXXX. I contacted him and he was out of town the rest of that weekend until XX/XX/XXXX. Then I contacted Wells Fargo, per XXXX ID # XXXX, I asked him if they would give us more time since the realtors office was closed ; he said to fax them in soon as possible. 
On XX/XX/XXXX the bank statements were faxed. The next day I called Wells Fargo to follow up and they told me the file was closed. When I asked why they said because they received the bank statements on XX/XX/XXXX instead of due date XX/XX/XXXX, XXXX XXXX. 
I pleaded with them and they still refused to continue the review for short sale. Shortly after my home was sold the same day I filed bankruptcy CH XXXX. 
For several months I worked on getting my home back from Wells Fargo, until finally I was granted on XX/XX/XXXX to stay in my home and work towards that short sale. I called Wells Fargo, customer care recovery, to start the process again but I was told it would take until XX/XX/XXXX for them to have an update on the rescission. I attached a letter with the same update. 
On XX/XX/XXXX, I sent the new short sale cash offer for review, I also attached to this letter for proof. On XX/XX/XXXX, I called Wells Fargo for an update on the short sale review, per XXXX ID # : XXXX, informed me that a letter was sent with stating documents were needed to continue the short sale review. I requested the letter to be emailed to my realtor but what we received were no way near asking for documents ( attached proof ). 
On XX/XX/XXXX I was informed by XXXX ID # : XXXX that I had a scheduled auction sale date for XX/XX/XXXX. 
On XX/XX/XXXX per XXXX, did not see any new notes on short sale review then she transferred to the re-entry team, per XXXX he said I was not eligible for a short sale review due to the sale date being so close! I do not understand why my file would be ignored if they had the short sale offer since XX/XX/XXXX.
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Advantage Finance, LLC (OK)

XXXX Spoke to XXXX and let her know that I was wrongfully terminated and that I am receiving unemployment. I told her I was waiting to receive my card from unemployment. I ask for a payment date change and was told that I could not change my payment date due to unemployment is consider temporary. I explained to her that my unemployment was approved due to being wrongfully terminated and that it was guaranteed until I find another job. She then lets me know that my car will be disabled but of course they dont tell you when. I also explained that I would continue to be late unless payment dates were changed. I literally have a {$6500.00} balance remaining until I pay off my vehicle. It would be nice if they would have let me provide proof to show that this is why I am having trouble paying my payment. If my car is disabled it would be a first since getting my car in XXXX.
Consumer complaint received 2021-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Earlier this year, Portfolio Recovery sued me for {$960.00} in regards to a previous XXXX XXXX credit card. They won ( case ( XXXX ) and my paychecks were garnished as of XXXX of 2021. The entire amount was paid in full on XX/XX/2021. They have yet to report the XXXX balance to my credit report, and when I dispute the amount they are claiming that it is unpaid. I have paystubs that show it was paid in its entirety as well as the court order.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Control, Inc. (WI)

I had filed a complaint ( XXXX ) in regard to the interest they were charging me on 4 separate medical bills. The say statue XXXX allows for 5 % annum charge, which I still say shouldn't in regard to medical bills. However even if it was acceptable they are charging me over twice that amount for each bill! For example one bill is for {$870.00}, they are charging {$110.00} or almost TRIPLE. Five percent of {$870.00} is {$43.00}.
Consumer complaint received 2020-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IL)

On the XX/XX/2020 I was sent a letter by cavalry stating they purchase the debt from the original creditor and I had 30 days to dispute the validity of the debt. I responded back with 2 validation letters in accordance to the letters that was sent on XX/XX/2020 and XX/XX/2020 from their company. I ask them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. None of those items I requested were provided. In addition to that, they stated that the dispute that was sent was lacking specific information and they couldn't conduct a investigation. This was very confusing because I specifically ask for them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. The final straw was when they said they will respond in writing in 150 days from the letter that was sent. Not only have they violated my rights as a consumer but also the rights under FDCP ACT. They have affected my ability to purchase an home due to their inaccurate and false reporting which has resulted in my credit score being negatively impacted.
Consumer complaint received 2022-05-02
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. (ID)

In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S. C 1681 section 602 A states I have the right to privacy.

15 U.S. C 1681 section 604 A states a consumer reporting agency can not furnish an account without my written instructions. 

Dates of concern are XXXX and XXXX concern to hard inquiries from Idaho XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc (FL)

My son went to the hospital twice in 2016 for XXXX issues. He was released the same night, my son has been insured with XXXX insurance since the day he was born, I provided the hospital with his information. A few months later, I receive two letters from debt collectors saying that I owe {$500.00} for each visit. I immediately called and informed the agent that I don't owe anything, his insurance takes care of his medical visits. I tried to give his info to the collection agency and they refused to take it, they said that I needed to contact the hospital. I called the hospital and never received a call back. Now they have these remarks on my credit report which is hindering me from purchasing a home.
Consumer complaint received 2021-04-30
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I previously filed complaint XXXX on the fact that Capital One had incorrectly attempted to use a XXXX XXXX  XXXX Account XXXX which I no longer have and have not had for several years ) to pay my Capital One XXXX XXXX XXXX Following the original complaint, Capital one unrestricted my venture card account. However, during this time they also froze my XXXX account ( ending in XXXX ). When I called in after the my venture card was unfrozen the bank told me it would be 3 or 4 days and then the XXXX would be opened. That was several weeks ago and when I called in today, the fraud team said I needed to provide the same documentation that had been requested for my XXXX XXXX  ( which I never provided as I don't have the account ). The fraud team that I was directed to has been rude and unhelpful. They don't even try to resolve these issues. It is ridiculous that the bank is allowed to treat its customers in this manner. I request that my XXXX ( which is fully paid and has had no issues ) be unrestricted immediately.