davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

I applied for a loan and the loan officer pulled my credit and received XXXX credit scores. One was significantly lower than the other two- Equifax ! Not only is a lot of the information on Equifax outdated. They had no idea I bought house and had changed addresses three times since the address they had on file until I told them. Now my problem was with communication. Apparently they outsource their customer service to foreign countries because the language barrier was unbearable. I was not only disrespected by the rep requesting all my confidential information, I was ill at ease with having to provide any information to a person I was having serious trouble trying to understand. Equifax should be required to be as consistent with updating information as XXXX and XXXX. And! This is America! Why is it the only people outsourced to provide Americans assistance with their privileged information is the same voice calling from XXXX saying my computer has virus and they 're calling to help? Where is the accountability? After speaking with a rep at Equifax for 40 minutes nothing was resolved. I felt forcibly violated by having to provide my information to people I could not understand and could n't provide me with assistance. Where is the accountability?
Consumer complaint received 2015-04-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (MS)

Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid Green Tree at any time stemming from this invalid loan and servicing that is not in good standing. Statements from Green Tree never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or XXXX, XXXX and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for Green Tree. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Green Tree, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX Letter *Green Tree Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MS XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (PA)

I, consumer XXXX XXXX entered into a consumer credit transaction on XX/XX/2015 in which had a finance charge with ALLY FINANCIAL. A finance charge is the sum of all charges pursuant to 15 USC 1605 ( a ) in Truth in Lending. I consumer XXXX XXXX is the original creditor. I am owed double the finance charge in which is $ XXXXAmount financed was on my behalf and shown on the exhibit pursuant to 18 USC 8. I put a down payment of {$4000.00} in which is illegal with a finance charge in any consumer credit transaction. I sold security interest to ALLY FINANCIAL Pursuant to 15 USC 1602 ( g ). According to 15 USC 1635 I, consumer XXXX XXXX had a right of rescission, and disclosures forms were not provided to me during this credit sale by ALLY FINANCIAL. This alleged contract is fraud and null and void. ALLY FINANCIAL is criminally liable pursuant to 15 USC 1611, & has civil liability pursuant 15 USC 1640 for these actions committed against me. ALLY FINANCIAL has threatened to take illegal action that can not be legally taken pursuant to 15 USC 1692e ( 4 ). ALLY FINANCIAL has also violated the Fair Debt Collection Practicing Act. Every month ALLY FINANCIAL states I owe a debt that was already paid and that is illegal according to my consumer rights. This account is fraud and I do not owe a balance. I'm instructing that all prior payment made on this account to be returned by sending a check in the mail according to 15 USC 1692h There is no contract with myself and ALLY FINANCIAL, IT IS FRAUD.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

When I graduated from school, Navient did n't tell me how many loans I had and subsequently when I paid some, I did n't pay others. Now I have a 90 day late on my credit report thanks to navient.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; XXXX. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy. 
Desired outcome is for the credit reporting agency to remove the public record they are reporting on my credit report because they do not have accurate information to determine that I filed a Chapter XXXX Bankruptcy with a case number of XXXX. 
It is a violation of the Fair Credit Reporting Act, and under the Fair Credit Reporting Act credit reporting companies have to take MAXIUM steps to ensure their information is ACCURATE. If I ca n't be provided proof by them, they must DELETE what they are reporting from my credit profile.
Consumer complaint received 2021-06-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

On or about XX/XX/XXXX, I was hit by another driver, and my XXXX  XXXX XXXX was deemed totaled. I made a claim and XXXX paid my claim. 

I am still receiving harassing calls, and e-mails stating that I still owe for the vehicle. Hyundai motor finance states that do not see a claim. But yet they accepted a payout Account XXXX XXXX XXXX Current Amount Due : {$1300.00} Payment Due Date : XXXX I also had GAP insurance
Consumer complaint received 2016-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Trident Asset Management, L.L.C. (NJ)

This is my sisters acct how is my name on this? i called XXXX which my sister has and the collection name and they have no record of my ss # or name and cant help me .they ( XXXX ) they did not have a # for Trident the collection agency to give me .they told me that XXXX is taking care of the accts and XXXX does not have any info on me XXXX did say that XXXX is the acct they have on file which is my sister XXXX XXXX.I want this blemish off my record and an explanation of how this happened.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: WELLS FARGO & COMPANY (FL)

I was bait and switched initial with the terms of an Auto Loan, I was forced to used Well Fargo Dealer services as opposed to my credit union ( this was the car dealerships doing not wells fargo ). During the time with Well Fargo, I was told there was no early payoff penalty. That was a lie. I was told my rate was 5.9 %, that was a lie, they wouldnt give me the loan unless they charged 6.9 Well fargo Dealer services also was n't reporting that I was making payments on my car when in fact I have been paying on time every month thus negatively affecting my credit.
Consumer complaint received 2021-08-04
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: AMERICAN EXPRESS COMPANY (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft AMEX Account Number : XXXX This is not mine. 

2. Identity Theft AMEX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-06-05
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America EDD is embezzled my {$6100.00}. Pending by bank approved by EDD also {$1000.00}. Missing doesn't match irs. Supervisor XXXX code number not available.
Consumer complaint received 2016-04-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I am a Chase customer who had fallen to hard times. I had charges against my account that were NOT paid by the bank, as in declined due to negative balance. Yet they still charge XXXX for each zap. I dont wnat to have an extra {$500.00} negative balance just in fees for NOT having the money and accounts charging were not paid either. I accept NSF fees only if the overdraft is paid.
Consumer complaint received 2015-07-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (NJ)

I have a car loan with Wells Fargo dealership services. They incorrectly though my insurance was terminated. I had just change companies, I sent them the information on the new company, however they by mistake as they have informed me put insurance on my car. Because I make double payments each month it was n't until I ask for a payoff that I notice this was happening. I got in touch with Well Fargo insurance company and was able to clear this up by last Friday XX/XX/XXXX. They said I should have a corrected by off in XXXX days. when I checked back Monday & XX/XX/XXXX, they said it would be XXXX business days. Now on XX/XX/XXXX they are not sure when it they will be able to give me a correct payoff statement. They employees have been very rude and have not given any explanation why the delay. If I do n't get it today, I will lose the incentive on the new car I am buying. 
this will cost me XXXX of dollar. When a bank makes a mistake they should not treat the customer like they are doing you a favor to correct it and should be limited in time to make these corrections
Consumer complaint received 2019-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

We have received NOTHING by mail but XXXX has apparently transferred our mtg without proper notification. I already scheduled my payment for XX/XX/XXXX online through the XXXX XXXX page it is their only option to pay online as I have since they started handling the loan. Top of page had red letter heading about IF YOUR LOAN WAS TRANSFERRED ... So when done I went to my email acct and logged in today XX/XX/XXXX and In an Email dated XX/XX/XXXX XXXX XXXX so at earliest if I checked emails everyday I would have recvd it XX/XX/XXXX I find a notice from XXXX saying they are transferring our loan as of XX/XX/XXXX. WTH? 
That is a 1 week notice for something as BIG as Changing where we send our Mtg payments? And NOTHING IN WRITING IN THE MAIL? And I am supposed to send my payments to Mr. Cooper DBA as Nationstar Mtg? This does not even sound real OR Legit, Mr. Cooper DBA? 
This is the email I received. 
XXXX To : XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX is the servicer for the loan ending in XXXX. 
You should have received a Transfer of Servicing Notice from us indicating that, effective XX/XX/XXXX ( " Transfer Date '' ), the servicing of your mortgage loan will transfer to Nationstar Mortgage LLC d/b/a Mr. Cooper ( " Mr. Cooper '' ). 
This means that Mr. Cooper will start accepting payments on XX/XX/XXXX at Nationstar Mortgage LLC d/b/a Mr. Cooper, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX. If you have scheduled any payments for after the Transfer Date through XXXX XXXX XXXX, those payments will be cancelled and you will need to contact Mr. Cooper to reschedule them. If you use online bill pay through you financial institution, you will need to change the payment information to Mr. Cooper. 
Nothing about the terms of your mortgage loan will change. You should receive a letter after the Transfer Date from Mr. Cooper with your new loan number, additional information and instructions for setting up a new online secure account at www.mrcooper.com. In the meantime, you can find additional information on our website here. 
If you have not made your XX/XX/XXXX payment, you can still make your payment quickly and easily online until XX/XX/XXXX. Remember, all payments made on or after XX/XX/XXXX should be made to Mr. Cooper. 

Sincerely, Seterus , Inc . 

They say after XXXX won't even be able to access documents, but only documents available are tax XXXX no other files for transfer from B of A or anything have anything in them now ... 
XXXX provides no number for live contact via phone or email ONLY an address for sending LETTER. 
We have not been provided any phone numbers to call the new company either. 
Is the GOAL to stress and worry homeowners? I mean seriously I am supposed to pay My Mortgage to www.mrcooper.com?
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XX/XX/2016 Colelction agency- XXXX XXXX XXXX  Balance : {$5500.00} I have contacted Equifax multiple of times asking to investigate this account on my credit profile and they just respond saying verified a identity therefore report was filed months ago as someone else was using my social so I went into the social security office and received letter XXXX XXXX and I continued to dispute it and all they respond saying is verified as accurate never sent any proof or why they are saying its accurate. This same account was deleted from XXXX and XXXX but Equifax is not doing their job correctly.
Consumer complaint received 2015-07-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

I applied for a home improvement loan with XXXX XXXX Bank. They denied my loan stating that EQUIFAX did not have a credit score for me because I did n't have enough credit history for them to calculate a score. I have had a mortgage since XX/XX/XXXX, and have refinanced a number of times, the latest refinance was in XX/XX/XXXX. I had a problem when I went to help my son buy a car in XX/XX/XXXX. According to the car dealership EQUIFAX had no record of me. I did the online dispute with EQUIFAX ( THEY HAD MY NAME SPELLED WRONG ) Confirmation # XXXX They corrected it and I thought everything was ok until I applied at XXXX XXXX for this loan Can you help me?
Consumer complaint received 2019-02-27
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: JPMORGAN CHASE & CO. (NV)

XXXX client, XXXX is a victim of identity theft. He was notified by your Chase/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his credit reports with XXXX, XXXX and XXXX XX/XX/XXXX related to that application. A formal dispute of that application was sent to Chase/XXXX XX/XX/XXXX, as of this date no reply from ChaseXXXX has been received. This is a violation of the FCRA and my clients consumer rights.
Consumer complaint received 2019-02-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019, I wrote a check in the amount of {$4000.00} to XXXX XXXX which he attempted to cash at the Wells Fargo branch in XXXX XXXX at XXXX XXXX XXXX XXXX. Upon learning of the holding period of cashing such an amount, he requested they not deposit it into his account and took the check back, giving it back to me to be destroyed so I could write him a check for a smaller amount. The check I wrote XXXX from my XXXX XXXX account, check XXXX was subsequently destroyed. Unfortunately, Wells Fargo had already cashed that check and the funds were taken from my account. XXXX requested the transaction was reversed and the funds were taken out of his account. The manager of the bank informed XXXX the transaction had been reversed and that I should see the funds within 24 hours. It is now 5 business days later and that {$4000.00} is nowhere to be seen. Wells Fargo has kept the money and not issued a refund for their unintentionally cashed check. Upon visiting the branch I was given the same " 24 hour '' timeline for the funds to be refunded to me, yet I have not seen any of the money they took from me. I even asked for them to write me a check which they refused.
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (OR)

I am trying to put a fraud alert on my credit via Equifax 's web site because I have reason to believe that someone has used my social security number. However, I can not sign up on Equifax 's web site without first paying {$20.00}. Really?! I have to pay {$20.00} just to alert the company that somebody may have my social security number?! That does n't seem right or fair.
Consumer complaint received 2017-10-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo home Mortgage submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A Wells Fargo Home Mortgage submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was $ XXXX. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with Wells Fargo with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX XXXX XXXX.
Consumer complaint received 2016-07-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I settled this credit card for less than the full amount due 12 months before my bankruptcy. The card was through XXXX. I have only ever had XXXX card through XXXX. EquiFax reports it as included in bankruptcy, other agencies do not. I created a dispute and their response was that the creditor verified the information was correct. I then called EquiFax , created a phone dispute and faxed them the letter from the law firm stating the account was settled for less than the balance owed. That was XXXX XXXX. On XXXX XXXX, I got back the exact same response, that the creditor had verified that the information on file with EquiFax is correct. The last XXXX of the account on record with EquiFax and the last XXXX of the account settled do not match. I believe this is because at some point XXXX canceled the program my card was attached to ( XXXX XXXX card ) and reissued it under program. However, I have only ever had the XXXX account with XXXX. Attached is the latest ruling from EquiFax and the letter from the lawyer after I made the settlement payment.