davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1CARESAct, Pub.L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NM)

In an understanding for 'Formal Disputes ' of Bank Transcations with Merchants, only certain Banks file Formal Disputes where as, in the Past if ( you ) did not. Contact the Bank within Days or Hours in receiving a Letter the Bank would impose Excessive Fines and Fees on Top of, Additional Fines and Fees.
Consumer complaint received 2021-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (CA)

On XX/XX/XXXX we purchased a condo at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, CA XXXX Our mortgage bank is Ameris Bank When we closed on this property, our title company estimated yearly property tax as roughly {$14000.00} based on a purchase price of {>= $1,000,000} and a property tax rate of 1/25 %. Since closing, we have been paying approximately {$1200.00} each month to Ameris bank escrow in anticipation of property taxes due. 

The first half of our property tax came due on XX/XX/XXXX. On XX/XX/XXXX, we received a notice from Ameris bank that they made a property tax payment of {$27000.00} - 4 TIMES MORE THAN THE ESTIMATED TAXES. 

When we noticed this error, I called Ameris support and asked them to correct it. The Ameris representative told me that the City billed them for that amount and they paid what they were billed. The representative also told they would investigate the discrepancy and get back to me in 10 days. I have not heard from them since. 

Since that time, we spoke to the City assessors office and learned that the XXXXXXXX XXXX  XXXX never formally assessed our unit, and therefore never issued a tax bill for it. However there were two tax bills outstanding for THE ENTIRE BUILDING, one for secured taxes and another for supplemental taxes. The City never sent either of those bills to us, nor did they send those bills to Ameris. Ameris found the secured tax bill online and paid it using our escrow funds. THEY PAID THE WRONG TAX BILL AND CHARGED OUR ESCROW ACCOUNT. 

The City also told us that they had not yet received the payment from Ameris. Since Ameris was not working with us to issue the correct payment, and in order to avoid penalties and impounding of property, we worked out with the other building occupants what each of us owed, and we each paid our portion to the city via personal check. AS UNIT # 1 WE HAD TO PAY {$5700.00} IN PROPERTY TAX DIRECTLY TO THE CITY OUT OF OUR PERSONAL CHECKING. 

So at this point, Ameris has overpaid {$27000.00} in taxes to the XXXXXXXX XXXX  XXXX XXXX, and has still not credited that overpayment to our account. And, on top of that payment, we had to pay {$5700.00} out of pocket to meet the property tax deadline. 

Further, because Ameris continues to debit our escrow account with their erroneous tax payment, our credit report is now showing that we owe them {$12000.00}, and THIS HAS ADVERSELY AFFECTED OUR CREDIT SCORES We are beyond frustrated at the incompetence of Ameris Bank in handling this situation and are asking the CFPB to get involved. We have spent over 40 hours trying to fix this mess. Ameris bank has been incompetent and non-responsive this entire time, and this is now affecting our credit score.
Consumer complaint received 2020-06-21
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (DC)

I have filed a dispute in regards to the erroneously reported items/incorrect items that should not be on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2017-05-02
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: SYNCHRONY FINANCIAL (CA)

I received an email displaying a dept store statement which had an inaccurate balanced on  XXXX / XXXX / XXXX . I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at    JCPennys o n  XXXX / XXXX / XXXX . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day,  XXXX / XXXX / XXXX , there were  XXXX  other hard inquiries done without my consent that someone else had did . SYNB/OLD NAVY   XXXX / XXXX / XXXX  &  XXXX   XXXX / XXXX / XXXX . I also noticed an inquiry from SYNCB  XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.
Consumer complaint received 2023-08-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (NV)

On XX/XX/2023, I applied in good faith for a 2023 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. The vehicle is shown here XXXX XXXX XXXX. Despite my consumer report having no derogatory accounts, the dealership discriminated against me and consequently, so did ALLY FINANCIAL. On XX/XX/2023, XXXX XXXX XXXX, known also as XXXX XXXX Washington, submitted my application to ALLY FINANCIAL and stated that ALLY FINANCIAL 'S response was that of Adverse Action, despite my right to initiate the consumer credit transaction. On XX/XX/2023, I called ALLY FINANCIAL requesting why was I denied. According to the representative, " possibly '' due to my credit score. This is a violation of federal law and is congruent with the act of discrimination. There are no federal laws that states a credit score can influence the denial of my right to extend credit. 
I have reason to believe and do so believe that ALLY FINANCIAL may have discriminated against me. The dealership encouraged that I place a large down payment on the application to influence their decision, however, I'm well aware that pursuant to 15 USC 1605, a downpayment is unlawful and must be included within the finance charge.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (FL)

ON MY CARD I HAVE FOUND SOME TRANSACTIONS THAT ARE NOT MINE AND I REPORTED IT WITH THE CARD THAT WAS DEPOSITED TO ME WITH XXXX, THEY TOLD ME THAT I HAD TO SEND ALL THE INFORMATION AGAIN, MORE THAN 60 DAYS HAVE ALREADY PASSED AND I HAVE NO POSITIVE RESPONSE ABOUT MY CLAIM
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

Equifax has lowered my FICO score by 20 points to XXXX. I want to know why. I'm XXXX years old and have never missed a payment in my life. I have no debt. I've tried asking for my annual free report on line and after filling out and answering all their questions they say their unable to handle my request at this time and to call them. I call them and after answering all their questions they say I have to make my request on line.
Consumer complaint received 2017-05-02
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. (CA)

XXXX    XXXX    Experian  continues to report inaccurate negative items on my report that I have previously disput ed 6 ti me.They continuos to report account with no account number. Inaccurate information that is hurting my credit.
Consumer complaint received 2017-05-02
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: CITIBANK, N.A. (CA)

I received an email displaying a dept store statement which had an inaccurate balanced on   XX/XX/XXXX .  I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at   XXXX   on   XX/XX/XXXX  . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day ,  XX/XX/XXXX ,  there wer e    XXXX   other hard inquiries done without my consent that someone else had did.      XXXX /  XXXX   XXXX    XX/XX/XXXX  &  SEARS/CBNA     XX/XX/XXXX . I also n oticed an inquiry from   XXXX     XX/XX/XXXX   from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX, phone number XXXX, reported to Experian, a credit reporting agency, account # XXXX, original creditor ( XXXX XXXX XXXX ), that I had used their electricity and owe {$1100.00} worth of electricity, I live at XXXX XXXX XXXX, for more then ( 10 ) year, and do not pay for any utilities, it is all included in my Monthly bill or rent. I never live at any other location, five year ago, I filed for Identity theft, with my local Police department, Experian refused to clear my name, they have another account # XXXX, XXXX XXXX for ( 10 ) year they refuse to clear
Consumer complaint received 2021-12-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021, my husband and I agreed to refinance our home with Chase Bank working with XXXX XXXX. XXXX XXXX stated there would only be a {$500.00} upfront fee and outlined in writing all of the subsequent fees that would be involved in the cost of closing the mortgage. Agreeing to those specific terms, we moved forward. 

After taking my credit card information and charging me {$500.00}, I received an email from a paralegal, XXXX XXXX, representing Chase bank, asking my husband and I to send an additional {$950.00} cash that night. This was never disclosed and not on any documentation that we signed. So, no longer feeling comfortable that Chase was being honest with mne and reviewing the mortgage conversations we previously had regarding the mortgage lending deal, I asked JP Morgan Chase for a full refund of the {$500.00} application fee andwithdrew our mortgage application on XX/XX/2021. The r eason we are asked for a full refund is that when I called and spoke to XXXX XXXX I was told that there would only be an upfront fee of {$500.00}, and the email I received from XXXX XXXX was asking for an additional {$950.00} only AFTER the mortgage application fee was charged to my credit card. The current good faith estimate that I received from Chase did not disclose the {$950.00} as an upfront payment. 
Because we are within the first 72 hours of the application process, we requested multiple times from Chase, given that we were not made aware of these new out-of-pocket fees, for the full refund of our application and withdrawal of our application. 

They have denied the refund saying that they will only refund if they can not process the mortgage refinancing ; however, they never disclosed those extra fees and even admitted while on the phone with XXXX XXXX, the Client Specialist, that the mortgage lender " didn't know about the fees. '' The manager, XXXX XXXX, promised to contact me on XXXX XXXX, 2021 and never did. I have since tried calling multiple times, sending emails, and even tried contacting customer service on XXXX, all of whom are ignoring me.
Consumer complaint received 2021-12-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (OK)

XX/XX/XXXX Pioneer Credit Recover , Inc had sent me a letter. I received this letter on XX/XX/XXXX. This letter was a notice of intent to garnish wages from the employer under the condition that I do not have a plan. I made a {$55.00} payment through XXXX  's bill pay feature to make a statement and then contacted the company and left a callback number. On XX/XX/XXXX the company tried to tell me that I have to make another payment by the XXXX to have a plan. 

This is a form of hazing. I have a plan. They can not collect my wages or my taxes.
Consumer complaint received 2021-05-19
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. (NJ)

I DID NOT CONSENT TO AUTHORIZE ANY OF THE ATTATCHED INQUIRIES THAT HAS BEEN ILLEGALLY FURNISHED ON MY CONSUMER REPORT IN VIOLATION OF 15 USC 1681(c)(1)(A).
Consumer complaint received 2017-05-02
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. (OH)

I sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date,   XXXX    complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on Experian if it has been blocked or not.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have notified Equifax on numerous occasions that there is erroneous information being reported in the credit file that is maintained and distributed by Equifax under my Social Security number. The account in question has the original creditor listed as XXXX under account number XXXX as listed in my credit report. This is NOT my account and was entered into my credit file in XXXX. I am demanding that Equifax cease and desist any further reporting of this erroneous information in my credit file. I am requesting that this account is removed from my credit file immediately. The attached letter was sent to Equifax via certified mail, XXXX tracking # XXXX XXXX which Equifax signed for on XX/XX/XXXX regarding this account. This is one of many certified letters that I have sent Equifax regarding this erroneous information. I have also disputed this multiple times via the Equifax online dispute system to no avail. Equifax has repeatedly demonstrated dishonest business practices which has been to the detriment of my reputation.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Equifax keeps sending you a response that says I have not provided additional communication. That is not true, I have provided the same additional documents that I have provided to you. I am not sure what the asterisk in front of the statements provided in the response. Additionally, I no longer get a case number from Equifax when I dispute my credit report. Since I have been blocked from online reporting and mail documents. This does n't seem to be in line with the Fair Credit Reporting Act.
Consumer complaint received 2017-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MA)

I am a  XXXX   year   old    XXXX   with  XXXX  bachelors ' degrees, working full time plus per diem (  XXXX  jobs  )  in the poorest most crime-filled city in Massachusetts, and holds a record in the country as well,  XXXX , MA. Since graduating from my first degree in  XXXX  I have owed hundreds of thousands of dollars to  XXXX   XXXX   (  then becoming  Navient ) , a major lawsuit victim due to extenuating criminal activity. I have private and federal loans, both of which add up to way beyond my cost of living ( over  XXXX  in loans just to be a   XXXX   XXXX   ). I have tried for the past  XXXX  years to lower payments to something even close to reasonable, which I am not able to do. Payments exceed 1000/month. This is indescribable and morally wrong. I have since separated federal and private payments : my federal loans are under a forgiveness program due to my being a  XXXX  in a poor city hospital. This has helped a little and in   XXXX    years my federal loans supposedly will absolve. My private loans are still with Navient and even though I am on an income based repayment plan it is deplorable. I need help with finding a lawyer who can assist me in getting proper restitution with this. I can not tell you how many people I know who have little or no student loans due to some kind of assistance they have received, many not having the same due diligence as I. I am a US citizen, born here from other US citizens, working and paying taxes since I was  XXXX   years old . The amount of students  (  Including both  XXXX  Marathon   XXXX   XXXX   ) who have gotten aid in paying for school who do n't even deserve it, is reprehensible. Please help me in finding the right direction to make this right.
Consumer complaint received 2017-05-02
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. (TX)

I called  XXXX  to have them to remove a name listed on my credit report. The rep said that she could not remove the name because if was attached to an account. I explained to her that if is not my name, therefore the account does not belong to me. She refused and instructed me to call the creditor of whom I have no account listed with.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (VA)

My name is XXXX XXXX XXXX and I am researching an important transaction through my XXXX Mortgage account which transpired in XXXX, XXXX. Essentially, I am seeking the cancelled check for XXXX, issued XX/XX/XXXX, in the amount of {$36000.00}. 

In XXXX, I refinanced my mortgage to pay off the student loans I took out in XXXX. The student loans continued to accrue interest, despite this payoff, totaling {$110000.00} as of XXXX, XXXX. 

I am disputing this exorbitant interest, as well as the predatory lending practices of the XXXX lenders who have bought and sold my loans, passing along the usurious interest rate of 9 % with each loan sale, despite student loans being at a historically low rate of .99 %. 

The Department of Education Office of the Ombudsman requires proof of student loan payoff in order to abolish the disputed interest accrued; thus I am hoping XXXX XXXX can please locate the cancelled check issued to XXXX in XXXX. I have provided the ledger of the refinance transaction, as well as the payoff letter from XXXX XXXX. 

Would you please help me settle this matter so that my loans can finally be recorded as paid in full? My credit rating and ability to obtain a mortgage are being negatively impacted as this is written.
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Selip & Stylianou, LLP (NY)

I got a letter stating that I have a court date for a judgement from a debt collector Metro Portfolio Inc. who is suing me for a very old debt from a credit card XXXX XXXX XXXX is the original creditor I had when I was in my early XXXX. I am know XXXX XXXX XXXX, so I filled the paperwork saying that the debt was old. We went court on XXXX XXXX and know they are still trying to recover the debt I know there is a statue of limitations on debt collection. Also I always check my credit report and there is nothing on my report about a judgement or any collections account on my credit report
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates..
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (NJ)

We ( my son & I - as co-signer ) have XXXX loans w/ Sallie Mae XXXX 
Last month - they took the XXXX payments sent ( XXXX check for each loan ) and applied them both to the same loan. In their system - this triggered a 'Late Payment ' on the XXXX loan that received 'no payment ' and started an incessant series of phone calls to both my son & I. 

Their error was pointed out to them within a week and - despite the promise of the error being corrected on their end.. the phone calls kept coming ( XXXX - XXXX calls per day.. to both of us! ) Two weeks later.. we were still getting the calls and the payment error ( that THEY made ) had still not been corrected. 

I call again ( I 've now been on the phone with these people for over an hour ) and I finally get an assurance that the error will be will fixed within 24 hours ~and~ that the calls will stop. 
The error is fixed ( although it takes 3 days to do so ) - but the calls continue until their system shows the payment corrected. 

Now - just a week after THAT issue is cleared - I just found out that they did the same thing to the most recent payment ( s ) ~and~ I was charged a 'late fee ' on the account that THEY screwed up last month! 

I am now faced with, yet another, unending series of calls and - as I told them during the last phone call.. I consider these calls to be Harassment! 
Aside from filing a complaint with ConsumerFinance.gov - do I have any legal recourse against them?