davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

My student loan account XXXX with a balance of XXXX has been corrected by my student loan company XXXX ( XXXX ) showing that I have never been late. However Experian is still showing them as late. I have contacted my lender and they said they have sent the correction twice to them in the last month and do n't understand why they have n't corrected it. This error has resulted in getting denied for a mortage and when I try to dispute it with Experian they stated that it was " previously disputed and leander came back verfied '' and thus will not investigate, however lender stated that they did n't verify anything and was never sent anything by Experian for a dispute. The lender stated that they have exhausted all their efforts to correct the error and its up to Experian to report it correctly. Experian refuses to look into the matter. I am filing this complaint as a last effort before filing in court for the damages of being denied a loan if they refuse to correct it at this point.
Consumer complaint received 2016-10-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

I overpaid WellsFargo the balance of my consurmer line of credit. After the payment has been applied it shows a balance of ( {$62.00} ). I was expecting the credit amount to be sent to me. Instead, Wellsfargo kept the money and the balance is now XXXX. They refused to send me my refund money.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

I have hit XXXX % of my original property value several months ago and have tried to have my PMI termintated several times. I was under the imppression it should be removed automatically when I reached XXXX % of my original homw value. However, Wells Fargo has stated repeatedly that I can not have my PMI terminated without an appraisal. This is true of Cancellation. However, I am referring to Termination which has different requirements. None of which are appraisal. Wells Fargo dragged there feet for 3 months after filing all my paperwork to refinance at a lower rate. And now with the PMI termination. I believe this is an unscrupulous tactic employed to exploit the consumer and should be addressed.
Consumer complaint received 2015-07-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (NH)

The Thomas Agency regularly call my mobile phone and appear as an " Unknown Caller '', regardless of whether I answer or let it go to voice mail, the " caller '' is not a human and asks for someone I have never heard of before. The mobile number was obviously reassigned, but I can not make The Thomas Agency remove my number and stop calling me. I even called their office and spoke to someone who assured me they would remove my number ; I just received another call. There is no means I have found to remove my mobile number from their automated system, and the harassment continues. I ca n't even block them from my iPhone because their calls do not display Caller ID information to act upon.
Consumer complaint received 2015-05-17
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (CA)

Why the title insurance company charges exactly the same fees for a refinanced loan, with the same lender, the same borrower, and for the same property. It is a ripoff and is approximately XXXX of the total cost of refinancing a loan with the existing lender. The title company should prorate their charges for additional new loan amount. For example, from an existing XXXX loan to say a XXXX loan - on XXXX only. For example, if a {$1200.00} fee was charged for the original loan amount of XXXX to the same borrower, the new title fee should be charged on the balance amount of XXXX, and not on the full loan amount of XXXX. This new title policy should be an amendment to the original title policy, for a reduced fee of only {$250.00} instead of the full fee of {$1200.00} again. 
The CFPB should immediately order the new rule on all home refinancing if there is no change of lender, borrower or property, except the loan amount. I assure you my proposal will save XXXX dollars to the homeowners who are refinancing their existing loans. The title insurance companies are cheating millions of homeowners by issuing revised policies that are for the 30-year life of the loan. The new policy fee should be based on XXXX factors ; 1. say the original 30 year policy on the loan is currently valid only the remaining 25 years, so the new policy rate will be based by for 5 years and not the entire period of 30 years. 
2. XXXX, in case of cash out, the fee should be charged for only the amount of cash out, and not based on the full amount of the loan. 
Thanking you in advance for your kind consideration. 
My name is XXXX XXXX Telephone XXXX. I have lived in my house at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX for the past 28 years. I had to refinance my loan several times during the past 28 years to take advantage of the interest rates, and pull out some equity. I am a XXXX years old senior citizen, and equity in my home is more than XXXX the loan amount.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (FL)

XX/XX/2020 ... NOTE : I am XXXX yrs old, on XXXX as my only income, taking many XXXX   that cause me to be somewhat XXXX, XXXX  & XXXX. I have never purchased nor owned a new car in my life. Son called me from XXXX XXXX XXXX, XXXX, XXXX XXXX, asking me to come to the dealership immediately to " co-sign '' for a Truck. When I arrived, my son, his wife, the salesman ( XXXX XXXX ) and a stack of papers were waiting for me. I asked where the truck was and was told it was " in the back ''. The salesman, XXXX, had another customer waiting and informed me in a polite way that we needed to hurry. I began signing. The last form was the contract with the price and I then realized this was for a brand new truck, XXXX  XXXX XXXX XXXX. I began trying to read everything and was reminded by the salesman & my son that everyone was in a hurry. I asked why the paperwork stated " buyer '' & " co-buyer '' and I was signing as the buyer. XXXX stated co-buyer & co-signer mean the same thing and the only reason I was designated as buyer was because my credit was better than my sons. Special note here, my son has violent outbursts, usually directed toward me. At this moment I felt pressured by everyone there, not thinking clearly due to my meds of course, ignorant and fearing my son, I signed. XXXX than returned with a key and handed it to my son. I asked if I got one too and he stated " no '' only one key because they are so expensive. I left. Recently ( XX/XX/2020 ) my son and I had another violent altercation so I began looking into the truck payments and other information I could find. My son had kept me in the dark once the truck was purchased and I learned not to ask. I did receive toll violations in my name with pictures of the truck. I went to the dealership requesting paperwork, information, advice and a key and was treated poorly. I did get the paperwork, was informed it was co-ownership not co-signing and I couldn't get a key unless I paid for one, keys were only available from the dealer & I would have to bring the truck to them to make it ... Of course, without a key to get the truck there, that was impossible. I am now aware, the 2nd key to the vehicle was handed to my sons wife, before I arrived?, to sign the papers. My son has made every payment late and informed me plans on continuing to do so, he doesnt care if he ruins my credit, gets my drivers license suspended, I cant register my car because of his non payment of fines, etc. I feel helpless. I feel that plans were possibly made between the salesman & my son, before I arrived, to get the loan thru, take advantage of me & give me false and/or as little information as possible. How does someone on an income of {$1300.00} a month get approved as a BUYER for a {$55000.00} Truck? My son knew the medications I took daily and the fear he instills in me. I am now searching to find legal help
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my 4th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-09-05
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. (IL)

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2022-08-09
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. (TX)

On this day XXXXXXXX XXXX  I spoken with several reps from Equifax about unauthorized and fraudulent collections on my consumer report. Under 15 USC 1681 ( a ) ( 3 ) Equifax assumed this role without permission nor my consent, also Equifax did not respect my rights to privacy which is under 15 USC 1681 ( a ) ( 4 ) The collection which I am speaking of are from a source called ( XXXX XXXX  ) and ( XXXX XXXX XXXX )
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX  Late Payments from XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-11-02
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: Experian Information Solutions Inc. (PA)

I have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my report
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MO)

Diversified has Failed to comply with Federal law under the Fair Debt Collection Practices Act, by not properly providing verification as I have requested under my rights.Diversified has Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately on my credit report.
Consumer complaint received 2016-03-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC. (CO)

I received a call from a XXXX XXXX XXXX today stating that he was going to sure me unless I paid an account for an HSBC account. I informed him tat this account as included in a bankruptcy and requested that he quit calling me. He stated that he would not only call me but initiate legal action as well. Im recovering from XXXX and really cant handle these calls. He was very rude and refused to write down the case number or my attorneys contact information. He called my husband yesterday as well and threatened him too for my debt!
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (CA)

First and foremost per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given DEPT OF EDUCATION/NELNET written , unwritten, verbal & non verbal per 15 USC 6802, 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

When I signed up for my student loans I also signed a Educational Rights and Privacy Act form that says the school will NOT provide transaction history to ANY third party companies.

BUT in fact my personal information is being shared to third parties WITHOUT my consent.

The Family Educational Rights and Privacy Act 1974 ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

Generally, schools must have written permission from the parent or eligible student in order to release any information from a XXXX XXXX XXXX XXXX XXXX XXXXERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law.

AS YOU CAN SEE HERE YOU DO NOT SEE WHERE A CONSUMER REPORTING AGENCY LISTED to allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

Someone tried to open four checking account in three different banks under my name and wrong address. Only one bank verified the last four of my social security number. I opened an identity Theft case with the police and they said we that they would content me if they received any information. If any questions call me at ( XXXX ) XXXX. 


XXXX XXXX XXXX  checking account XXXX XXXXXXXX XXXX XXXX checking account XXXX XXXX application number XXXX Wells Fargo no account number given
Consumer complaint received 2016-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

XXXX XXXX added fees to my account that were erroneous before they sold the account to Bank of America. I contacted BofA to have them removed and they advised me it could not be done unless I got a letter from XXXX. I have completed this and send them a letter. BofA still has not removed the fees and I have sent the letter. This is to let you know if you do not remove the fees on or before XXXX XXXX, 2016. I will take legal action. Your failure to comply with banking laws is unacceptable and should result in fines. I find your failure to handle this in a timely manner harassment and I get no help when I call in for the status. The letter from XXXX is self explanatory and your refusal to remove violates my rights as a consumer. I did n't approve you to add the fees on and you sure are taking more than ample time to remove them. There should be no research done on your part. The letter from XXXX is self explanatory and should be completed asap. I stress to you that I will be filing legal action if this is not resolved by XXXX XXXX. 2016.
Consumer complaint received 2015-12-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Nationwide Biweekly Administration, Inc. (TX)

I enrolled in a biweekly interest minimizer program XX/XX/XXXX and on XX/XX/XXXX they notified me by email that the program is no longer available but I need to know where my money is that was taken from my account in XXXX previous to the email. My house payment is now outstanding and I need my money back. I 've called over XXXX times and you get a recording to call back due to high call volume. I 've emailed and no one returns my email either.
Consumer complaint received 2023-06-17
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX APT XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX
Consumer complaint received 2015-10-09
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NM)

On XXXX XXXX, 2015 Recieved a call @ XXXX XXXX from ( whom I thought was ) XXXX XXXX ( XXXX ) He briefly stated he was in jail in XXXX XXXX, NV and needed bail. He stated he was in an accident and was hit by a XXXX woman but failed a XXXX test. He stated I would recieve a call from his attorney XXXX XXXX ( XXXX ) from XXXX XXXX in a few minutes. I told him no problem and waited for the call. XXXX XXXX XXXX called me @ XXXX XXXX and explained the jail circumstances and I agreed to post bail for my friend. Bail was sent to XXXX XXXX in XXXX. He explained this was a normal procedure to send funds XXXX and the he needed only the tracking number which I provided after the transaction was complete. One hour later, XXXX XXXX calls and asked for an additional amount to cover an out of court settlement that he negociated with the woman. The woman was planning on suing XXXX XXXX. XXXX XXXX said she would sign a statement to not file suit if a settlement sould be made. I agreed to pay only if the woman signed a statement to agree not to file suit. XXXX XXXX agreed but no statemnt was sent to me. The last I heard of XXXX XXXX. I have since tried to call XXXX XXXX several times but I believe my phone numbers have been blocked. I contacted My friend XXXX XXXX this am only to XXXX it was not him involved in any of this. Hence, the filing of this complaint. Please call or email me to advise. XXXX XXXX XXXX XXXXXXXXXXXX. Thank you
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I opened a secured credit card account with capital one with {$3000.00} of which they pulled from my checking account. They used XXXX Bank as an automatic clearinghouse. They open and closed the account numerous times for what they considered fraudulent activity. I myself along with a representative from the IRS numerous times faxed over and validated all the information they needed, they then would reopen the account let me use it for another three months and then close it again. I continually pay my bill over and over again to the cost of over {$18000.00} in just six months. They then close the account permanently even though I had overpaid the account by an additional {$800.00} owing me at that {$3800.00}. The supervisors told my bank that they would have this money back to me and apologize for any inconvenience that they have caused. I have yet to see anything and when I called to follow up they said I would have to wait and they 're going to take it up there Board of Supervisors and get back to me. My checking account is ironically with capital one 360. Which used to be ING direct the capital one has purchased and I guess is rolling over into just Capital One Bank eventually. This will be a sad day the Capital One is able to conduct even more business on any bank in level. I am also able to obtain affidavits from XXXX Bank as well as Capital One 360.