davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
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. (TX)

I mail a package to Experian because there are discrepancies in my credit report. In that package I mail a police report, a Identity Theft Victim 's Complaint and Affidavit that has been notarized, a document from the US Supreme court, and a name change with the supreme court. XXXX the representative stated that those documents were NOT sufficient and she ( XXXX ) and her department will NOT USE THEM. I contact the police department in XXXX county and the police officer XXXX over the phone explain that the " incident report '' and the police report are the same thing, that it was up to the police report at the time to choose how to file. She also stated that the " notoriety '' was insufficient and refuse to use these documents. In page 7 of the police report states that it can be sing in the presence of a law enforcement officer, a notary or a witness. She REFUSE TO TAKE ANY OF THESE LEGAL DOCUMENT. Stated that those were insufficient. She was yelling at me on the phone, talking over me and I let her know I do not want to speak with you I wold like to speak with your supervisor she stated they did not had any and I requested to be transfer to one. She put me on hold for over and hour. I also included documents form the US Supreme court and she also did not accept those. TWO other companies, XXXX and XXXX never had any issues with these LEGAL documents. I have contact my Attorney General office and they stated those document are sufficient. They have INCORRECT NAMES, ADDRESSES, COLLECTION THAT ARE NOT MINE. I HAVE SEND THE DOCUMENTS THAT PROVE MY NAME CHANGE WITH A US DISTRICT COURT AND POLICE REPORT AND THE IDENTITY THEFT VICTIMS COMPLAIN AND AFFIDAVIT.
Consumer complaint received 2017-07-26
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. (MI)

Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted XXXX, XXXX, equifax to report unauthorized inquiries and they failed to remove the inaccuracies on my report
Consumer complaint received 2018-01-17
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Immediate Credit Recovery (PA)

I have a federal student loan that is in default and placed with Immediate Credit Recovery as a private collection agency. It appears they try to contact me and do not leave voicemails. I have discovered, through my own investigation, my defaulted loan is scheduled for treasury offset with my 2018 tax return. I have been trying to contact the correct Department for loan services in regards to consolidation or rehabilitation/ whatever other options may be available however every time I contact the business I am rushed to be transferred and once I am I am told to leave a voicemail to a mailbox that is full and will not accept a message. I have tried contacting other departments of the business to see if they have a way of contacting the department to find out what is going on but everyone is rude and of no help saying they are totally unaffiliated with that department which I do not exactly understand if this is all the same business. I have tried to contact the US Department of Education directly for the issue and they have also submitted a complaint to the collecting company but they are unable to help me. I am trying to do the right thing by getting in touch with these people to correct my debt and they have made it extremely difficult and frustrating. I do not know where else to turn besides possibly seeking advice from a lawyer at this point.
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing an alleged bankruptcy that is reporting on my transunion credit file. I sent in proof that the bankruptcy is not reporting the same across each bureau which is a violation of my consumer rights. Each bureau should have the same information across-the-board if the information is accurate according to the FCRA laws. This information is inaccurate and misleading and a violation. If it is not removed from my consumer report I will seek litigation for this violation. Also I was informed by Transunion that this alleged bankruptcy was information received from a third party which is XXXX. That also I a violation. According to the FCRA all information furnished is to be completely investigated before being furnished by the credit reporting agency and not received by a third party. I have documentation that XXXX have deleted the information from their files because they realized they was in violation. If Transunion got their information from XXXX which was deleted then Transunion also need to delete it from the files.
Consumer complaint received 2017-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company (NC)

Recently my mortgage was transfer to Statebridge from XXXXXXXX XXXX. After I made a modification on my loan because financial stress back in 2008. I was  notify by XXXX that my CAP rate will be 4.875 % beginning at the 8th year of my modification. Well XXXX sold the account to this small company and now they are charging me 5 %. When I contacted them to find out what is happening, the said that they could not resolve the issue that I have send a request in writing and most likely contact XXXX. Additional to this now they are charging me with what they describe in the monthly statement as fees for {$2.00} monthly with a YTD charges of {$48.00}. I have never being late on payments with this company and when I inquiries about this charges, they answered that are fees because I have not pay the previous late fees. I may be wrong but I understood that as long as I am not late in my mortgage payments, I could pay those old late charges any time during the life of the loan without any additional fees. Am I wrong?
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (VA)

I called Edfinancial on XX/XX/XXXX for assistance refunding my loan payments made since XX/XX/2020. Under the CARES Act, I am able to ask for a refund on this payments, and get my loan balance reinstated to the amount before this payments. They agreed to submit a ticket for me. 
I asked for a confirmation email and a timeline for when my refund may be expected. But they said that they do not have any way to email a confirmation the refund request is submitted nor give me a timeline sooner than 150 days. 

I attempted to contact them 3 times this week but all 3 times the phone lines would disconnect and I would be forced to wait again for at least an hour for an agent. 

This is unacceptable because I am utilizing this refund to maximize my student loan forgiveness. If they process my refund after the interest free period is over I will be forced to pay interest on loans that should already be forgiven under the new student debt relief. This lack of transparency is unacceptable and needs to be investigated.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MI)

On XX/XX/XXXX I had 2 deposits of XXXX deposited into my account from XXXX XXXX. One of the deposits was received at XXXX and the other was received at XXXX. At the time I checked my online banking I had a balance of XXXX dollars and some change both transactions of XXXX were pending on my online account as of XX/XX/XXXX. Those deposits paid for pending transactions of XXXX dollars for XXXX and XXXX for XXXX that was going to post by XXXX on XX/XX/XXXX. I made a payment of XXXX to XXXX XXXX and deposited XXXX cash into the atm to cover that bill tgat will post on XX/XX/XXXX. Everything was on point so I would n't receive any overdraft fees. On XX/XX/XXXX i checked my online account I see that I am overdrawn by XXXX dollars and some change. I looked at my account online to see how can that be with all the deposits I made. I noticed that pnc bank was only showing one deposit of XXXX when it was showing two on XX/XX/XXXX. I called the bank XXXX number and was told there was nothing she can do because she only see one deposit pending. Yesterday it was two I had all bills covered without anything showing negative so what happened to the other deposit of XXXX that was pending also .I have another check coming in on theXX/XX/XXXX for XXXX that is going to bounce because I 'm overdrawn cause somehow pnc claims they do n't see the other deposit of XXXX. More fees will be added for some glitch on pnc end. I called XXXX XXXX they sent me confirmation that both deposits of XXXX were sent to my account on XX/XX/XXXX. I went to the bank and made a complaint because pnc claim it 's not on there end but I have transaction numbers from XXXX XXXX that show there wad two deposits. The complaint number is XXXX for pnc bank that was put in by XXXX XXXX at the XXXX branch XXXX XXXX XXXX XXXX. I do not have extra money to clear up the fees that were added because of your error of my deposits.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello I have call XXXX and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the XXXX and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done the inquiries are : 1 XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX I have no knowledge of these companies
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following inquiries do not belong to me .... 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX Inquiry : XXXX XXXX, 2019 XXXX , XXXX Inquiry : XXXX XXXX, 2019 XXXX , XXXX Inquiry : XXXX XXXX, 2019
Consumer complaint received 2017-06-21
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. (FL)

Hello I have call Transunion and also sent in disputes in inquiries that do no belong to me I have also contacted the creditors who advise me to contact the TransUnion and I feel like nothing is being done about this I keep going back and forth with both, just recently I have received a copy of my credit report and notice these inquiries that I did not authorized and I would like them removed as they are hurting my credit score this was not done by me and I had no knowledge that this was done, so I have no choice but to put in a complaint the companies I am disputing are : 1.XXXX 2 XXXX 3 XXXX
Consumer complaint received 2017-06-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OR)

During the year 2009 we suffered financial hardship when the company my Husband worked for had a major lay off. We had been buying our home for nine years, it was an FHA backed loan. We pleaded with Wells fargo and provided them with all of the many documents and info they requested in order to apply for some type of loan modification on payments in order for us to save our home. There were many phone calls and several of the Bank employees made promises on the phone which were never kept! We had had a history of always making our house payments. We had a young Son still at home during this time and live stock. On XXXX XXXX, 2009 we received notification from Wells fargo Bank XXXX XXXX XXXX XXXX, Iowa XXXX for our loan # XXXX client 708. A letter which stipulates a loan repayment arrangement to help us get back on our feet. Wells Fargo rec ended on their agreement causing us the loss of our home. Locking us out of our home and causing us to loos our personal property. We had to give the livestock away and were displaced having to find rental housing. This property was five acres. We were not allowed back on the property to retrieve or belongings and loss 75 percent of it. I filed a complaint with the Montana consumer protection bureau. Wells Fargo Bank denied doing any wrong. I still maintain that Wells fargo was in fact the catalist for our loosing our home. They were dishonest and offered a plan they did not honor forcing us into Bankruptcy and foreclosure on our home. I attempted to find aid through the FHA and HUD and other entities with no success. I have the documentation of the rec ended agreement I filed a complaint to Wells fargo and I have that paper work.I also have the record of filing to the consumer affairs for Montana.
Consumer complaint received 2017-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (KY)

I received a Chase Auto Loan for a new car in 2012. I set the account up for automatic deductions from my bank account. These went like clockwork for five years. When the last payment was due Chase sent me a letter asking for a check with a specific amount that would pay off the loan. I sent them the check. When I looked at my checking account statement I saw that they processed my check and subsequently made an extra automatic deduction that they did n't deserve for a Paid-in-full loan. Apparently Chase is n't able to discern when it has been paid-in-full and will keep helping itself from your checking account until you go into Chase.com and stop them. When I tried to go into Chase.com the system would n't recognize me - probably because my loan was paid-in-full and thus my account was closed. This is the perfect feedback loop. You pay them in full but you ca n't get in to stop the payments because your account is paid in full. After about an hour I was able to get to someone with the technical ability to stop the payments. Now Chase is sitting on {$620.00} that belongs to me. I will be pleasantly surprised if I ever get it back.
Consumer complaint received 2018-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (IN)

DiTech Financial LLC is trying to collect a debt that is not mine. Harrassing phone calls and letters. I am sending a certified letter today including the Fair Tade Debt Collections act. If they do not stop I will be seeking legal counsel.
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Emergent Business Group, Inc. (IN)

Emergent Servicing failed to send a written notification of the debt that was allegedly owed to XXXX. They did not send anything in writing, they keep going back to " we sent it by email. '' I have a right to dispute this debt, this was NOT sent to me in writing. My contract is NOT with Emergent Servicing, it is with XXXX. As far as I am concerned this balance has been paid in full since Emergent Servicing paid off what was owed to XXXX in an attempt to try and EXTORT money.
Consumer complaint received 2018-01-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (NE)

I filed for bankruptcy in 2012. What I owed Ditech was discharged. Now they state I still owe them {$8000.00}. The account shows discharged on my credit report.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elevate Recoveries, LLC (MA)

To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$1000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX Last 4 of SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2022-02-16
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. (CA)

There is an account from XXXX XXXX/ XXXX  account number XXXX which is on my credit report and does not belong to me. I have tried to dispute with the credit bureaus but am not able to dispute online with XXXX due to security reasons. Equifax document upload would not allow me to upload documentation. 
The credit bureaus have made it very difficult to correct errors on my report due to technical difficulties with their websites. 

I need to dispute this account as it does not belong to me. I contacted the collection agency responsible and they sent me a notification this would be corrected and I need to ensure it is corrected immediately.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (TX)

I logged in online to cancel my XXXX card, after I was told they are raising the fee. The online portal does not have a cancellation option. I called the number on the back of the card and was told that I could cancel until I spoke with a certain rep. I asked to speak with a manager after being on hold for over 25 minutes. They as well refused to cancel my account. It seems that the goal is to make you wait until you get tired and hang up and or yall to some shady sales rep who tries to get you to keep your card. This shouldnt be a difficult process and it should be able to be completed online and or by any rep who answers the phone, or at least a manager. Horrible company
Consumer complaint received 2017-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (NY)

The balance of my federal Perkins loan is supposed to be cancelled for service as a full time XXXX XXXX. The company continues to Bill me for payment even though I 've sent paperwork more than once. Additionally, they do not answer email, phone, or mail. I 've tried numerous times. I 'm afraid it will affect my credit because of their negligence to respond. The company is www.acs-education.com.
Consumer complaint received 2022-09-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC (NV)

I obtained a loan designated as a personal loan for business purposes in 2021 from BHG but was not provided with final loan documents, nor monthly statements. I do not know how much is left on my loans, what interest has been paid, or any other information because I have never received monthly statements nor access to an electronic version of my statements.