davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
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: CORELOGIC INC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for XXXX leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, XXXX, SC XXXX XXXX   XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX
Consumer complaint received 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc. (WA)

I have called SoFi multiple times and they refuse to put me on their do not call/ do not mail list. They say they do n't have my information in their system, but they clearly do as they are able to solicit me through multiple channels ( email, direct mail, etc ).
Consumer complaint received 2017-12-06
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

An inquiry dated XXXX XXXX, 2016 is reporting on my credit report. I did not authorize anyone employed by Springleaf Financial Service to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the company and I 've never received a response or proper resolution
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XX/XX/XXXXto XXXX  XXXX XXXX XXXX via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & TransUnion on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( TransUnion tracking : XXXX, XXXX tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on 2 XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OH)

Several times Equifax has changed my current address to the address I lived from XXXX, and listing where I lived XXXX as prior. I have called them many many times in the last 3 months. I have disputed the address with all three credit bureaus. I have added statements saying what my legal address is. This is the Equifax policy : if a creditor sends a different address, it is updated. As they suggested, I called every creditor on my credit report. They all have had my correct current address on file. 
I should be the only XXXX to change my address at a credit bureau. 
I feel that this should be illegal as it causes another identity theft problem. Several letters were sent to my previous address ( where I lived XXXX XXXX XXXX saying that it was my current address, and listing my address from XXXX as previous. My mail is still being forwarded. Once it is not, XXXX major security questions ' answers will be revealed to anyone receiving that mail. I received XXXX such letter again today. 
I called my attorneys general office and was told that they could do nothing because that is a company policy. 
I have difficulty lifting my credit freezes and getting my free credit reports, because the information I give is " not accurate ' -- due to different addresses ( I even had to pay for my XXXX report through their site ). 
This policy is unacceptable -- yet even the highest supervisors will do nothing except change my address when I call. and they suggest I call monthly. 
Someone needs to investigate and change this law.
Consumer complaint received 2017-10-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC (MD)

I was checking my credit on XXXX XXXX and I saw that a company called Debt Recovery Solutions is trying to collect a debt that was already paid to this medical company 3 years ago. The company I paid my debt to was XXXX XXXX in Virginia. Their phone number is XXXX XXXX XXXX. This has impacted my credit and caused financial burden. This company has done nothing but cause me stress and financial strain. The debt was paid to XXXX XXXX Hospital.
Consumer complaint received 2020-10-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

On Thursday, XX/XX/2020, I received a phone call from a collections agency called Wakefield and Associates advising that a medical bill totaling {$270.00} had been sent to collections on my behalf. This was the first instance I had heard of any debt or anything related to medical bills. They did not have the correct address on file and the one they stated was two years old. I asked who the company was and they advised " XXXX XXXX XXXX '' from XXXX XXXX, TN. I had not had any services performed with them nor did i ever receive any bills from them. I attempted to call their phone number ( XXXX ) and it is an automated message regarding old and new medical bills. No one has returned my calls after left messages. More importantly, I never received a letter or any other information before hand regarding a bill or collections.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I deposited an IRS check in the amount of {$6800.00} to my checking account ending in XXXX. In error, the amount deposited was {$5800.00}. I discovered the error in contacted BBVA by email on XX/XX/XXXX. I received a reply email from XXXX XXXX stating that government issued checks are not eligible for mobile deposit and I could either go to a branch and deposit my check or mail it. Due to the fact that I live over 60 miles away from the nearest branch location and at the time transportation was an issue ; I mailed my check to BBVA Compass Vault Services XXXX XXXX XXXX XXXX Alabama XXXX. On XX/XX/XXXX I received a letter from BBVA stating that my dispute was received and the investigation determined that my disputed transaction was a correct transaction and or authorized. I never made a dispute on this account and the amount of the dispute was XXXX to XXXX. The account number listed was incorrect and when I researched the amount of the dispute along with the date there was never any transaction made in that amount with the merchant listed on my account ending in XXXX or the incorrect account number ending in XXXX. The notice I received was not my dispute nor the correct account. I am still waiting on my IRS check to deposit and it has been over thirty days. I find it very strange that I receive that dispute letter approximately around the time that my check was supposed to be deposited.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

Enhanced Recovery XXXX does not have the licenses to collect on a debt in the State of Texas. 

XXXX Date : XX/XX/XXXX-XX/XX/XXXX-2014 Amount {$330.00} Tried to call multiple times with no response
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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

Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I checked my credit reports and saw that ARS was reporting an alleged debt on my report. On XX/XX/2022, I mailed them a Certified letter to the company, however, they completely ignored my request for them to validate this alleged debt that they are reporting on my credit report. They never mailed me a dunning letter, ignored my request to legally validate this alleged debt, and continue to mess up my good name.
Consumer complaint received 2021-03-25
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)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2017-12-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (OR)

My loan was sold by XXXX XXXX to M & T Bank during the month of XX/XX/XXXX. A mortgage payment was processed by XXXX in the month of XXXX. M & T claims I did not make my XXXX payment so they contacted me to rectify. I agreed to process a 2nd XXXX payment to M & T while XXXX researched my XXXX payment intended to be forwarded to M & T. 
That 2nd XXXX payment was inaccurately processed due to a communication issue between myself and the M & T rep. No further communication has been received by self from M & T indicating my 2nd attempted XXXX payment was not properly processed. M & T then reported a late payment to the Credit bureus. I contacted the M & T call center and spoke with sitting supervisor. He was not helpful and stated the late payment is solely my fault and was not willing to resolve the inaccurately reported late payment. His name is XXXX and his number is XXXX XXXX XXXX. I have a letter from M & T thanking me for my XXXX payment.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2021-09-12
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: AES/PHEAA (DE)

Credit report shows late on both XXXX and XXXX. Requested to be fixed by Fed Loan and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.
Consumer complaint received 2022-01-08
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. (GA)

The following companies have claimed that I owe them an alleged debt but did NOT receive my WRITTEN CONSENT to allow for these accounts to be placed onto my report : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 as a consumer I have the right to prohibit information from being used in connection to any credit or consumer transaction. 

I have attached the proof of these alleged being placed onto my accounts.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

did not remove these fraudulent inquiries : XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXXXXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
Consumer complaint received 2017-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: WELLS FARGO & COMPANY (IL)

I had to stop working in XXXX because of an ankle injury. When I call Wells Fargo to inform them that I was suffering a financial hardship and that I would n't be able to make my first repayment I was told that I still had to pay XXXX 's payment. I also informed that woman ( I do n't remember her name ) I talked with the first time that I would be going back to school in XXXX. She said I would only be able to get an in-school forbearance. I called again today, XXXX XXXX, and spoke to XXXX, XXXX, XXXX, XXXX, and a fifth person whose name I did n't catch and informed them of my situation. XXXX transferred me to XXXX to discuss my issue with not being able to afford my payment because I only recently found a job. I was given a ten day grace period even though I informed him that I can not afford a {$250.00} payment. I was informed him that I would be going back to school in XXXX. I was then transferred to a third person ( I did n't catch his name ) to discuss my repayment options. I was then transferred to XXXX to discuss refinancing my student loan. Though I was informed that my interest rate would go up and I would still have to make monthly payments while I was in school, which I ca n't afford. I was once again transferred. This time to XXXX in customer service. After explaining my situation for the fifth time I was thanked for being part of a military family and told that even though I 'm suffering through a financial hardship and that I just recently found a job that I still have to pay {$250.00} on XXXX XXXX, which is the new due date. After explaining to each person about my current financial situation and that on their website it says that Wells Fargo can help if someone is suffering through a financial hardship by setting up short-term payment relief for up to two months as long as youve consistently made your loan payments on time, payment relief for up to six months due to financial hardship, payment options if you are already past due on your account, loan modification program which may temporarily or permanently lower payment amounts. I was still told that I had to pay for the month of XXXX but I was never given an explanation as to why I have to pay the {$250.00} even though I have been suffering through a financial hardship since XXXX and only recently found a job.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Claim number XXXX Account Number XXXX On or about XX/XX/XXXX, XXXX debited my checking account for the amount of {$770.00}. This amount was not authorized and I notified BofA on or about XX/XX/XXXX. BofA credited my bank account for the {$770.00} along with the NSF fee 's that came from the unauthorized debit in the amount of {$170.00}. BofA missed two NSF fee 's, so the total NSF fee credit should have been {$240.00}. 

On or about XX/XX/XXXX, BofA took the money back out of my account, and they also recharged my account for {$170.00} as well as an NSF fee. 

When I called BofA to inquire as to why they charged my account again, I was informed they never received the Unauthorized ACH debit form, despite me faxing it to them. I then faxed it to them again on XX/XX/XXXX and again on XX/XX/XXXX. This form was faxed to XXXX. 

As of this date, they continue to claim that this form has not been received. My account is overdrawn over {$900.00} and this banking error is negatively impacting me.
Consumer complaint received 2017-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I became unemployed on XXXX XXXX. I contacted XXXX XXXX and was told to send in my unemployment approval award letter to e looked at for a unemployment forbearance. of Which I did. I never heard back from anyone! I called multiple times for status with no return calls. I then received a application for a Modification ( XXXX ). The letter gives me a specific person to contact XXXX XXXX with his direct line. I received one call on XXXX XXXX @ XXXX XXXX from XXXX XXXX I called back on XXXX/XXXX/XXXX @ XXXX XXXX pst. XXXX/XXXX/XXXX XXXX PST, XXXX/XXXX/XXXX XXXX PM PSTXX/XX/XXXXXXXX XXXX PST, XXXX/XXXX/XXXX XXXXPST,  XXXX message says he will return within 48 hours. I received no call backs during this period. This is a RESPA violation. I finally got a call back on XXXX at XXXX XXXX PST. I called back the same day at XXXXPST. again on XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX XXXX PST, again on XXXX/XXXX/XXXX XXXX XXXX I can continue to list times and dates my point is there has been no reasonable timely calls back per RESPA this is mandatory. I faxed my mod application over on XXXX/XXXX/XXXX no calls back to go over this with me. I have again left numerous messages XXXX/XXXX/XXXX XXXX PST, XXXX/XXXX/XXXX XXXX PM PST and so on and on and on!!!!!! I am now in jeopardy of losing my home and have had to seek a real estate agent to list my home on the market due to no response from my assigned Home Preservation Specialist XXXX XXXX. This is unacceptable and again in violation of RESPA. I have owned my home for 18 years now subject to losing it due to lack of response to my first request for unemployment forbearance and now lack of response to assist me with a workout option as the letter from wells fargo indicates.