davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

My credit is ( was ) perfect until I co-signed a car this summer for my son. I am trying to file an explanation on the 3 credit reporting companies. The other two worked fine. EQUIFAX ( https : //www.ai.equifax.com/ ) provides a link to file your information on the credit report. The link, however, does not work for me. I have tried the link on two laptops and a tablet. It will not load. This tells me that Equifax does not care about individual credit accuracy where the other two do.

I have waited over 30 minutes and tried to load the page 3 times. I
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

On XX/XX/2018 I discovered that a tradeline for XXXX XXXX XXXX. ( account number ending in XXXX ) had been re-inserted into my credit file after having been removed previously. The credit reporting agency is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. 

This debt had been previously disputed directly through the CRA, OC, and CA ; and is an invalid account.
Consumer complaint received 2015-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clear Debt Solutions, LLC (CA)

A man named XXXX XXXX from CDR called my phone number looking for my mother. I XXXX his name and company, and found him to be a debt collector and possible scammer. I did not give out information, but instead told them to send her a verification of debt and cease communication. I am an attorney and handled legal matters for her before. I did not ask for information on the debt ; I only told him to send a debt verification. He became irate and said I was " full of it. '' He called once more still seeking to get information. I am fairly sure this is a scammer. He has also called other family members looking for my mother 's information.
Consumer complaint received 2018-06-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (IL)

I have submitted EVERYTHING requested of me in the processing of this loan. Thus, meeting FHA guidelines. The underwriter has unjustly disregarded my current base salary XXXX income and has stalled the processing for my FHA loan application. I have improved my financial situation by obtaining a new job which pays substantially more than my previous self-employed business and my business experience in Entrepreneurship/upper management carries over. Underwriting wants me to wait 6 months which isn't an FHA guideline from all the research I done. 

I feel like I am not being given the same opportunity to qualify for a mortgage as other borrowers are. I have never had a gap in my employment and my current XXXX income should be used. I provided an offer letter and the VOE has been completed by my employer. I have been paid and I have provided my paycheck stub as required. In fact, I have met all conditions and the underwriter is bias and applying his/her personal agenda vs. applying the guidelines that are set forth.
Consumer complaint received 2021-09-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

I was forced out of my forbearance in XX/XX/2021 after losing my job due to COVID. I was given until XX/XX/2021 to resume payments. I called to make a payment XX/XX/2021 and was told that it was too late. Since XX/XX/2021 I completed the application for mortgage assistance. Since XXXX, I have submitted every document requested and the mortgage company refuses to process my modification and I have been threatened with foreclosure even though I have been compliant with forwarding the requested documents. 

I have submitted paystubs, bank accounts, tax documents, utility bills and everything else requested to no avail. 

This is causing me undo stress in a matter that is already stressful. I feel that the mortgage company is trying to foreclose on my home because of the equity.
Consumer complaint received 2021-02-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: C/C Financial (NE)

I had set up to buy some furniture. I decided i did not need that anymore and to cancel my order. I was told it was cancel. XXXX XXXX went to pick up the stuff i called and cancel out. I feel she acted as me to get the things i cancel. If they check id. There wouldnt have been a problem but they gave the stuff to the wrong person. After i called and cancel. Someone on there end did not do the job right and reported it to the right people to get this remove for my order. I had called and complain. They allow someone else to use my information to get things from the store. After i cancel out my order. XXXX XXXX had called them and picked up the stuff. She did not have my permission or the store did not have my permission to give anything away i had cancel out. They fail to check id. I never wanted this account open anymore.
Consumer complaint received 2020-07-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

To whom it may concern I filed a dispute with Experian back in XX/XX/2020. The balance that was shown for loan through XXXX XXXX XXXX was incorrect. Experian informed me that it will take 30 days to resolve. I had also submitted documentation showing the new balance. 
XX/XX/XXXX Experian sent an email stating that my information have been updated. I had 1 point decreased in credit score with out an explanation. Also the updated balance was still incorrect. I called Experian customer service and the person I spoke to didnt know why my credit dropped a point or why the information wasn't corrected. Now it's going to take another 30 days to resolve this matter. Experian is one of the 3 major credit reporting agencies. Not having the right information, is disappointing and also a road block in trying to apply for credit or to make businesses transactions.
Consumer complaint received 2021-07-14
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: Nelnet, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-02-27
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. (CO)

There were numerous inquiries on my credit report. I reached out to all 3 of the credit bureaus to get them removed. I gave them a 30 day demand to compliance as I am able to legally. They have responded to me or provided any information. I am requesting to have these items removed. I only have 2 inquiries and that's for XXXX. Everything else was not done on my behalf.
Consumer complaint received 2017-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Misleading / omitted information about working with the mortgage co on loan modification as related to credit reporting. Just informed during modified payment trial period of 3 months mortgage co ( 5th. 3rd.  bank ) continues to report account delinquent and also holds payment and does not apply to mortgage payments for 3 months. During this time we are still considered delinquent. We were unaware of this. Under false impression, credit reporting would not be un-favorable and that we would not be penalized while working with mortgage co. Started working with mortgage before late 30 days - XX/XX/XXXX. Get different information from mitigation department case workers. This 3 month trial period ends in XX/XX/XXXX. Thought mortgage co preferred immediate communication and loss mitigation instead of repo. Told this process was favorable for us and mortgage co. Not so! Not informed of this until today XX/XX/XXXX. Not fair. They refuse to give us documentation of all communication while processing this agreement without a subpoena Thus protecting themselves from mis -guidance or lack of information during this process on their part.
Consumer complaint received 2022-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

XX/XX/XXXX, XXXX contacted Nelnet, whom Ive paid for my student loans for years, to find out who has my loans now ( since I consolidated for the XXXX program ), I was given a phone number to call. When I called the number, it was a number connected to a student loan processing center ( LLC ). I was lead to believe this company owned my loans ( bought from Nelnet ). 

XX/XX/XXXX, XXXXWhen I contacted the company whom I thought had my loans since Nelnet gave me the phone number, The agents walked me through the loan forgiveness process telling me I qualified to have over {$5000.00} of my loan forgiven. They assured me they would set me up on a payment plan and had all of my loan information, social security number, and personal information ready to start the process. I went through their 3 steps they insisted I write down and walked me through the contract process given them permission to start the repayment process. I sent them a picture copy of my drivers license as well. When I asked about payment set up, the agent assured me that it is processed through another office because she was not able to take payments for confidentiality purposes. Once I gave my debit card information to the person designated for this, I was assured that they would contact me before debiting my account. Later that day, I kept seeing emails from the Federal Student Aid ( FSA ) website stating my password was changed. While I was on the phone with them earlier, I didnt realize I was giving them permission to go into my account. During that time, they changed my account personal questions so they could continue to have access when I changed it ( I contacted FSA and we figured out this was how they kept access ). I immediately called FSA to see what is going on to find out I was scammed and that FedServicing Loans has my account. I called my bank and cancelled my debit card immediately. I then emailed the LLC to cancel services and request a full refund for the {$490.00}. I received a call from someone the next day who requested a credit card number to issue the funds back. I refused and went to my bank to rectify. Since, Ive contacted XXXX, experian, and worked with my bank compromised. I waiting to hear back from my bank on the verdict of the reimbursement.
Consumer complaint received 2023-02-07
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. (NY)

i went to a car dealership to and they said they would only be using XXXX now there are over five hard inquiries on my credit report. 
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 I also applied for a credit card with XXXX now there are hard inquiries i dont know where they came from i listed the accounts above.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX AND XXXX ARE PARTNERS IN CRIME, PROOF HERE, THE ORIGINAL INSTRUMENT HAS VALUE SO WHERES THE DEBT?, WHERES THE ''BILL ''? HEY XXXX, WHY ARE YOU MAKING FALSE CLAIMS ON ME,? HI XXXX XXXX YOU CRIMINAL MISCREANT, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH XXXX THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX  XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? XXXX MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Bank I did not add overdraft protection to my account when it was started. Wells Fargo had to open a new account after mine had been frauds. The new account was to exactly the same as the original that had been opened. The Bankers over the XXXX XXXX had handles the new account opening after my old account was frauds. The representative added overdraft protection without my knowledge. This resulted in Wells Fargo charging me overdraft protection fees when Wells Fargo tranfured {$9.00} from my savings to checking to cover XXXX. They then charged me an overdraft protection fee of {$12.00} causing my checking to go Negitive {$12.00} in witch there was no more money in my savings to cover. Then Wells Fargo would have charged me another {$35.00} for totaling {$47.00} in fees all of witch would have been negitive in my account had I not of fraught for two hours and been hung up on twice to have removed. They refused to take me seriously until I mentioned the CFPB and that I already knew all the Fraud that had been taken place with Wells Fargo. The even told me I had no right to record my conversation with them even though the law states if they are recording me they then can not expect any right right to privacy because they are already swear they are being recorded. This Bank should be closed and sold off! No more to big to fail!
Consumer complaint received 2020-06-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

For the last year Specialized Loan Servicing is claiming I am behind on my home mortgage payments, however I have checked with my bank and all my payments sent in by checks have been cashed through them. Basically, specialized loan serving is claiming my payments on not on time or being sent in, when the checks have been processed. Now, ai am at a loss of what I can do becuase I have been paying my bills and this compnay has been cashing the checks, so why are they saying I'm not making payments. 

You may email me at XXXX XXXX
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (CA)

I have had a checking account with Navy Federeal Credit union for XXXX  Months. I have added a car loan and a credit card account. On XX/XX/2022 My app where I make payment for my vehicle, credit card payment was shut down. I am not able to make payments. 

On XX/XX/XXXX XXXX I immediately called customer service and assisted me with what documentation I needed to submit. ( Proof of Residfence- Car registration, proof of I.D- XXXX drivers license and was requested to submit Form XXXX. I submitted all mdocumentation and form XXXX. An email was sent to me once I submitted all documentation stating give Navy Federal 5 business days to process. Today is XX/XX/2022. 

I have called customer service 3 times and all reps confirmed I have submitted all documents needed. Every time I am transferred to security department, all 3 times no answer from security department and I am unable to leave a message. I would like to get this matter resolved before my car and credit card payment are due.
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Orions Management Group, LLC (CA)

On XX/XX/XXXX my father called me stating he received a call that this XXXX person said they would be sending the police to his house. 

I called the number back and he stated he talked to me 8 weeks ago and that I said I am not paying, take me to court. 
This never happened. He then stated he knew where I worked, what my hours were and he was sending someone to my job. This was a statement made with no action in regards to collecting on the debt. Just that they would be sending someone out to by job for me. 

I spoke to someone maybe a year ago where they proceeded to tell me everything that was on my credit report and accost me about not paying my debts.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

I was charged a late fee of {$29.00} even though I made the minimum payment due. The statement printed on XXXX with a minimum payment of {$29.00}. I made a payment of {$25.00} on XXXX and another {$25.00} on XX/XX/18 for a total of {$50.00}. The customer service agent told me that payments made on the statement date will not count towards the minimum payment due. I dont see how that is a fair practice for me as the consumer when the payment made XXXX was not reflected in the statement printed on XXXX.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (FL)

SunTrust bank Overdraft fee charged on XX/XX/2018 Called the customer service line Called dealt with 2 agents and 1 manager, all claiming they could not help with overdraft fee. Website clearly stated in terms and conditions *5 Overdraft and returned-item fees waived three per rolling 12 months. 
Not one of them said that was their terms and conditions, when the manager finally found what I was referring to, he told me that is only for the Signature Checking account and that it was only for 2 fees returned. I explained that it does not say that anywhere on the website and he said well I will pass along as feedback that its is wrong. He said he would not be helping me.
Consumer complaint received 2020-07-15
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. (OH)

While conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am  allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I have applied for loan modification and the lender keeps saying will submit it for underwriter review. However, it never happened and they called me again and again for the wrong information. They said they need this and that for complete but they never told me when we follow up. All they said they told me being review. Now foreclosure sale is coming and they tried to delay and said they wont be able to review my application due to foreclosure sale date. I want to try to have modification and keep my house and I am old and unable to move out. They are being treated us unfair way
Consumer complaint received 2015-05-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada) (GA)

Allied Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, calls my cell phone daily XXXX or XXXX times during the week, Mon-Friday. I do not have any debts, active or inactive and have no explanation why this company is calling my personal cell phone, they are on call block as I have nothing to discuss with them and my level of aggravation would be detrimental to my health.