davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

I received a bill for {$180.00} from Enhanced Recovery Company , LLC trying to collect for a debt from XXXX XXXX XXXX, XXXX. I have not used XXXX in probably XXXX years, and closed all accounts properly at the time and have not received any bills from XXXX ever since closing my account with them.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (IL)

I received a response from Wells Fargo dated XX/XX/2021, attached hereto. Wells Fargo has failed to answer each of the Facts stated in Affidavit of Truth they received on XX/XX/2021. Wells Fargo failed to pay the Invoice previously sent to compensate me for violations. Wells Fargo has failed to comply with Cease and Desist previously sent which requires Wells Fargo from cease and desisting all forms of communication with me through any and all mediums. Which includes reporting this account to my consumer reports. A consumer report is in fact a medium. Which means it's a communication. So to fulfill the demand of cease and desist, a deletion of the account is required. By Wells Fargo reporting anything, it is a indirect communication.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (GA)

This Debit Collection Agency called Enhanced Recovery is XXXX Around with My Credit Report, Ever Since XXXX From When They First Called Me Back Then. I Informed Them That the Account Was a XXXX Account Witch the Original Company XXXX XXXX XXXX Knew About the Account Being XXXX. The Person at The Collection Agency Had an Attitude Trying to Be Smart and Tell Me I 'm Going to Pay for The Account Regrade less it 's fraud Account or not. I Told Him I was not Going to Pay for a XXXX Account that was n't mine he Hung up The Phone. Ever Since Me and Him Got into It Over the Phone, at The Beginning of the year ever Since Me and Him Got into It. The Collection Agency Sneak and Put the Account Back on My Credit Reports After the Fact It Been Removed in a result of it being a fraud account, Where I Have to Dispute It Every Year, Last Year They Were Trying to Be Sneaky and Put the Account on Their Twice Not Thanking I Would Catch It. Just Today I Checked My Report and The Account was Back on Their, Where Had to Dispute the Account.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been disputing with the Credit Reporting Agencies to remove the fraudulent information completely from my Credit report. The letter I sent on XX/XX/2022 was already my 3rd letter requesting that the Credir Bureaus remove the items as they resulted from the theft of my identity. It has been a battle going through this and I am suibmitting this complaint to delete the following fraudulent information in my file. The dispute items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Reporting Agencies immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed XXXX {$0.00} DPT ED/XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX Bankruptcy Reference # : XXXX U.S. Bankruptcy Court
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have submitted a XXXX Loan Forgiveness Application to Navient back in XXXX. My loan is with Navient for attending XXXX University. Since then until XXXX they sat on the application with no approval or disapproval and did not contact me on status but instead made excuses it was being processed. In XXXX, they told me it was denied because the signature on the form did not have the title of the person attached ( pety because it is understood by document what title person held ). was told to make changes and resubmit which I did. Since then, I have once again been denied because of a different section that was told was fine before is now incorrect because I checked off more than one option, when it clearly states to check off ALL that apply. It 's now been 6 months since first submission for easy form application but continuous denials for erroneous reasons.
Consumer complaint received 2017-10-11
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. (MA)

I called the credit bureaus and the creditor when i founded out about this fraudulent account ( XXXX XXXX XXXX i was advised to get a police report to remove the fraud i did and disputed the information on my report. The account reminded and credit bureaus told me thats the way it is, but no thats not the way it is. I have attached my police report for proof of the fraud.
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

In XXXX 2009, a fax lien was filed on my Equifax , XXXX and XXXX credit repots. XXXX and XXXX removed the lien ( it has been 7 years since it was placed ). I contacted Equifax last month and I was assured that it would be removed this month. I contacted Equifax this morning and am now being told it wo n't be removed for another three years. Does Equifax has a different set of rules that it follows?
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (NC)

I sent a letter to Equifax asking them to investigate errors on my credit report on XXXX XXXX. I requested that they mail me the response once the investigations were completed. Over two months have passed, and I have not received the first response back from Equifax, and I 've even sent two follow-up letters.
Consumer complaint received 2016-11-03
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (OR)

I called ALLY BANK on XX/XX/2016 on behalf of my mother who has two cd accounts and a money market checking account there. She XXXX the XX/XX/2016 and the retirement home raised her monthly rent to {$5500.00} from {$3200.00} as her care level increased. My mother went thru the verification process and had Ally talk to me. One of the cds was maturing on XX/XX/2016 and I told them I needed to have {$55000.00} transfered into the money market account so I could have her write a check to herself and deposit it in to her XXXX checking. I waited until XXXX to deposit that check in to XXXX and shortly thereafter I started receiving e-mails from XXXX about negative balance and fraud on her account. All three accounts are in a revocable living trust and my mother is the trustee. After receiving the e-mails from XXXX, I went back to mom 's rest home and called Ally Bank and they said they rolled the entire CD over and did not put the {$55000.00} in to her money market checking. This conversation took place on XX/XX/2016. They assured me that they would take {$55000.00} out of the CD and put it into her checking account there. I was going to deposit the Ally money market check in to her XXXX account and thought I better call them first to make sure the transfer was done. I went to mom 's and went through the verification process again and then was told the transfer was not done and it will not be done until I send them trust documents because my father had passed four years ago. I told them to close the accounts and send the check to the same P.O. box that the statements go to. The women agreed to send the {$260000.00} that was at their bank. She put me on hold and when she came back on the line, she said they were not going to send any money or do any transfers without the new trust documents. I had to loan my mother {$6000.00} so she could make her XX/XX/XXXX rent payment. This bank totally lied to me at all steps and took a toll on me as my mother is XXXX, XXXX. They should have their license yanked and be put out on the street. I think everyone should be aware of this banks shady business practices and warned to stay away.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I was recently denied credit based on information retained by Equifax Credit Information service. When I tried to inquire by phone at the given number XXXX, I got an automated attendent that after I told it " Denied '', it said I had to use a credit card to pay for my report/score. I tried to tell it otherwise, but it seems preset towards this option. The only other option given for communication if by mail to a XXXX. This all appears unfairly set up to discourage compliance with consumer requests.
Consumer complaint received 2016-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (KS)

I am not sure this is the right place to do this but XXXX XXXX credit card reported a late payment for my credit card bill. it was not late. They have done this multiple times ( I actually quit using them for over a year due to issues with them ) but I gave them another shot and they XXXX again. I could not get onto their site to pay. I made contact with them and was told I would be contacted to pay the bill and no one ever called back. I kept calling and trying to logon unsuccessfully. When I finally got someone who would help me, it was past the due date. I explained the situation to them and they apologized and were supportive and removed the late fee but had already reported it on my credit score. It should n't be there. It is not a legitimate late payment because their site was down. They have notes on my file to back this claim. I want it off of my reports, all of them. It really hurt my score!
Consumer complaint received 2015-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (PA)

I had an unpaid debt to the creditor XXXX XXXX XXXX XXXX for XXXX XXXX on a Wi-FI hotspot. The company XXXX offered me a settlement of {$120.00} to pay off the debt. I accepted and paid {$120.00} in full, online, on XXXX. I have a statement from my bank reflecting this payment and a letter downloaded from the XXXX Web site which corroborates the debt was paid in full. I had no reason to believe otherwise. 

On XXXX I received a letter via USPS from Enhanced Recovery Company , LLC which stated that I STILL owed a debt to XXXX XXXX XXXX XXXX of {$120.00}. They offered a settlement of {$54.00} for this debt which I already settled through XXXX.
Consumer complaint received 2017-02-18
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Williams & Fudge, Inc (GA)

I am a XXXX Veteran, and this company continued to threatened me without any proper verification of this alleged debt. This debt is not mine and i have continued to request for validation and verification but to no avail
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (IN)

DITECH FAILED TO PRODUCE A H.A.R.P. REFINANCE LOAN, THIS WAAS A DIRECT RESULT OF THEM NOT BEING ABLE TO PULL XXXX CREDIT REPORTS AND SCORES. SEE XXXX REPORTS FOR BOTH AS MARRIED COUPLES.
Consumer complaint received 2015-06-11
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (TX)

Today, I went to pay on a title loan that I got a year ago. The loan was for {$3500.00} and I have paid back approximately {$2600.00} with most going to high interest rates and fees. I still owe {$2000.00}. I was informed that the location that I initially received my loan from was no longer able to " finance '' me because the amount I owe is over the {$1300.00} they were able to loan. I was never given any notice regarding this change when I made my XXXX payment. Also, now I 'm very surprised because according to Title Max 's website they have this disclaimer regarding max lending as {$1300.00}. This has me very confused as to why they continued with my loan and allowing me to make payments knowing their max lending is {$1300.00}. I have paid on time and extra when I am able to so that I can be done with this loan. The customer representative there then informs me that since I still owe over the max allowed for their location, my loan was going to be transferred to another location outside of XXXX XXXX ordinances. The closest to me is in XXXX XXXX and I was informed that their rates are higher and therefore I would now have to pay {$390.00} a month at that location with very little of the payment going towards the principle. At this rate, I will pay more than what the car is worth for this rip off of a loan. The representative then informs me that if I want to keep the loan at the current location I will have to pay the difference of what I owe and their maximum lending amount, roughly {$740.00} plus my XXXX payment. Of course, I am not financially prepared for this because I have the documents for my XXXX payment which I was going to pay {$170.00}. I was offered an extension up to XXXX XXXX because I asked if I could get XXXX. I get paid XXXX a month and therefore I am on a very tight budget. Now I will have to pay additional fees plus the XXXX payment and {$740.00}. Title Max would not accept my XXXX payment because of those " changes. '' I will be in a financial bind because of these unexpected changes that I believe had every right as a consumer to be fully informed before the date of my XXXX payment. I believe these changes are fraudulent considering Title Max was fully aware of their lending policies. I am meeting my end of the contract paying excessive fees and interest rates. Title Max has violated these terms by not fully disclosing their policy and thus violating me.
Consumer complaint received 2016-06-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LendUp Loans LLC (AL)

I got a loan from lend up XXXX dollars till my next payday they would withdraw XXXX and some change but for some reasons I get a call from my back fraud prevention center something about XXXX XXXX and they had ran this 9 times is XXXX dollars. I Thinks company is a scammer or some not legit XXXX And some strange reason they sent me a txt messages regarding this account from this number XXXX thats not happen accounts are discuss I know this company have several financial lending and collecting practices.
Consumer complaint received 2017-03-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (OR)

I contacted a representative of Key Bank about a mortgage. The very first thing I told her was that I had a lot of student loan debt and asked if the program would work for me. She said yes. I then told her that I had already had my credit run a few times and we needed to wait for my report to show the correct payments on my student loans. She said I can check XXXX and monitor it for the correct payments, then let her know so she could run my credit. I did this, then emailed her that XXXX did not show the correct payments yet and we should wait. She then said that she had already run my credit report. Not only did I not authorize this, but I explicitly stated I did not want to run it yet. Because of this, I have too many inquiries on my record and my score has dropped XXXX points in at least XXXX of the agencies. This is a measurable difference of over $ 100/month on my mortgage payment, a serious financial damage. This inquiry must be removed from my record.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NJ)

I recently ( XXXX ) changed my payment due date at Key Bank. This month the payment was due XXXX/XXXX/17, my bank XXXX XXXX XXXX sent a check that was delivered on XXXX which was a Friday, Key Bank then took Friday, Monday and to " process '' the payment. They then charged me a late fee on XXXX/XXXX/17. I do n't think it 's fair that they can take their time " processing '' a payment and then charge a late fee. It should be counted as the day they receive the payment. They could theoretically hold everyone 's payment for " processing '' as long as they like and then charge everyone a late fee.
Consumer complaint received 2017-01-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (WA)

I deposited a check with KeyBank of XXXX. Because of the amount of the check, a XXXX day access hold was placed on the majority of the funds. The bank branch deposited the check to the wrong account and made the correction the following day. That pushed my hold back another day. Because of the weekend, it is actually XXXX days. Bank 's mistake.. consumer get 's screwed, so my alternative is, move to another bank.
Consumer complaint received 2016-02-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I received a letter from XXXX Mortgage that my loan # XXXX had been sold to Seterus and as of XXXX XXXX, 2016 that all payments would need to be sent to them. So, thinking that I could pay by phone on the first, I found Seterus 's number and called them, going through their prompt system. A recording stated that I would need to receive a welcome letter before being able to make a payment, and between the XXXX and XXXX of the month I would be able to set up my online profile and make payments. By the XXXX I had still not received a welcome letter and started calling Seterus on a regular basis to inquire about my account. I kept being told that they were still waiting to revive my information from the previous lender, but not to worry because my account would definitely be set up by the XXXX, but to keep calling to check in because once my account was set up, it would be reflected in their system even before receiving a welcome letter. The last time I was able to speak to someone was on Friday XXXX XXXX. At that time they still did not have my account set up. I asked if they were open during the weekend so I could call back and check my account status and the woman said yes " we are open on Saturdays ''. So I called back the following morning going through the usual prompt system in order to speak to someone, only to come to an automated message saying that they are " experiencing technical difficulties '' and could not take my call, then hangs up. I try again, same thing. So I hold off from calling on Sunday the XXXX since I was informed they are only open on Saturdays. I begin calling again today, which is XXXX XXXX because I have still not received my welcome letter as promised!! However today it 's the same thing, " technical difficulties '' during sometimes when I call, AND other times it 's an automated message saying " we are still receiving information on your loan an can not speak to you about any account details at this time ''. I have called a total of 8 times today because it is the XXXX and I just want to pay my mortgage ON TIME! However they will not allow me to make any payments until they have established my account number. Please help as I do not want them foreclosing on me due to their dishonesty and oversights as they have done to so many others. I will contact a real estate attorney and pursue legal action if they do not handle my account with honesty and integrity and keep me from paying my mortgage on time.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : Name of Company Date of Inquiry Type of Business XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX XX/XX/2016 XXXX
Consumer complaint received 2016-09-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CORELOGIC INC (TX)

I am trying to purchase a home for my wife and I and was turned for loan by core logic CREDCO submitting to the lender that I had no credit score. This not true as I have myself contacted all XXXX credit reporting co 's and got my credit scores from them. since I am a total XXXX Veteran, this has caused me a lot of sleepless nights.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

The inquires on my credit report were deleted. I checked my credit report again and they had been reinserted. I received no notification that the inquires had been reinserted. I also requested that the fraud alert on my credit file be removed. The fraud alert was reinserted also, and I did not request it.