davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
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. (CA)

XX/XX/XXXX i tried to dispute it because i settle the payment with XXXX XXXX XXXX/XXXX XXXX on XX/XX/XXXX for the amount of {$210.00} and they saying i still owe for that. I would like it deleted from my records!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (MI)

My Federal Perkins Loan was transferred to Heartland ECSI a while ago. I managed to miss a payment at one point, and in addition to the late fee ( totaling a fourth of my monthly payment ) placed on my account, I was charged another {$2.00} for their automatic call system to tell me the payment was late. Nowhere on their website do they list late fees or call fees, and the only place I heard mention of phone call fees was information presented via a computer-generated voice while I was on hold with their customer service after I had already incurred the late, automated call fee. There is a serious lack of transparency from Heartland ECSI.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (HI)

I am a veteran XXXX service man ; service number XXXX. I already have a CFPB complaint account number XXXX against Wells Fargo Mortgage. I was not aware until recently that there was leverage on a complaint for service men. I am also XXXX in that I lost my XXXX. Type or written communications is best for me as my XXXX is severely affected. 

Past dealings with Wells Fargo MortgageXXXX persons has been very very difficult because of my XXXX and because of their illegal/immoral practices. These practices in the past have already been reported. Wells Fargo Home XXXX continues to be the servicer of my mortgage in spite of a legal request that they or their assigns not be the servicer on my mortgage because of illegal/immoral practices. 
Wells Fargo Home Mortgage initiated participation in the sub-prime mortgage lending condition which caused the financial crises from XXXX forward to the present and which diminished and eliminated the qualifications my wife and I had in place to secure the mortgage and to amortize it " better than agreed '' as contracted. They participated in the reduction and/or removal of the methods we employed in making a living. Our employment was based upon retail market earnings and largely from spending of the majority of others who were also affected by the financial trauma of the failed mortgage backed sub-prime lending scheme. As others failed so did we outside of our cause of it. Having our income fail and having Wells Fargo Home XXXX and Banking force other expenditures upon us insured a future foreclosure. That foreclosure has not happened even while Wells Fargo Bank and Home XXXX was assuring ourselves and thousands of other we would at their benefit. 
Wells Fargo Bank has attempted to illegally abscond with my money since XXXX and that was the reasons I change banks. My notice to escrow that Wells Fargo Bank/Home Mortgage and my attempt to refinance was to remove ourselves of any influence of them. 
Current legal problems under the subject title of credit card scamming with the U.S. Government adds evidence that Many others and myself are innocent victims. Included is the most recent information that the state of Illinois is moving toward blocking Wells Fargo from doing business there. I do n't foresee that Illinois will be alone in this endeavor. Other banks are also creating real distance from them. Wells Fargo has been sued and has paid fines in the billions of dollars and yet I know of no consumer who has had their Wells Fargo indebtedness released and/or reduced to zero without legal assistance ; another expense.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am a consumer person fully aware of my rights protected by Congress under the Fair Credit Reporting Act. I am in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the account XXXX XXXXXXXX XXXX XXXX C/O XXXX XXXX XXXX.the provision of 15 USC 1681 Section 602 A guarantee my right to privacy. Furthermore, 15 USC 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions.I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. I expect that this matter will be addressed promptly and that the necessary actions will e taken to rectify the inaccuracies in my credit report.
Consumer complaint received 2016-06-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (CA)

Student loan help seems to focus more on the younger generation. I finished school in the XX/XX/XXXX. My loans are well above {$200000.00}. I am in the income driven loan repayment plan. Because there are times when my income increased, I have to pay more money back monthly. I can not save to do some of the things I made a sacrificed to educate myself for because of how much I have to pay back. I am XXXX years old, a 21 year XXXX and can not save enough money for a down payment on a home. I did not come from a wealthy family. There was a time federal laws allowed students to write off loans through bankruptcy but that seemed to end a more students XXXX stated continuing through higher education. I am afraid to allow my loan payments to lapse because I do not want to hurt my credit. I have been told if I pay the loans for 10 years without a missed payment the rest will be wiped out. I want to live the American dream but do not know how. What are some other methods possibly that could be used to help those of us who were educated 20 years ago and have a large repayment debt?
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

This is to inform all the concern parties that I noticed some unauthorized accounts on my credit report, I have been able to identify some account that i do not know nothing about on my credit report which surprised me because i believe my consumer report should be a fair reporting without inaccurate data, because unwanted and unauthorized violated my consumer rights. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( ACCT XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I spoke to a representative at Equifax in the beginning of XX/XX/2024 and sent in a letter to dispute items on my Equifax report. There are several things negatively affecting me and making it extremely difficult to get funding or approval for anything. In my letter to them I advised them I wanted my accounts updated to paid as agreed which is my right per US Code 1681b - Permissible purposes of Consumer Reports. I never gave them written permission to post or publish anything on my credit report. US Code 1681b a. ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Equifax also violated my right to opt out of my private information being published per USC 15 6805 & 15 USC 6803- Disclosure of institution privacy policy.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Re : Request for Deletion of Inaccurate Information on My Credit Report To Whom It May Concern : I am writing to dispute certain information that appears on my credit report. I believe this information is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). 

1. **Inaccurate Information Dispute** : According to the FCRA and various case law precedents, all information reported by credit reporting agencies must be accurate, complete, and up-to-date. The following item ( s ) listed on my credit report is/are incorrect : 2. In accordance with 15 USC 1681 5-3, any report containing information solely regarding transactions between the consumer and the person making the report is excluded from being considered a consumer report. This further underscores my assertion that the aforementioned item ( s ) should not appear on my credit report. The delete the following This is a violation please delete Account # XXXX Account Status Closed Charge Off Payment StatusPast Due - {$5200.00} - NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
Account # XXXX Closed Charge Off Past Due - $ XXXX NO BINDING AGREEMENT WITH. Do not owe the amount stated. 
XXXX Amount Status Closed Charge Off Past Due - {$760.00} NO BINDING AGREEMENT WITH. Do not owe the amount stated. 

I request that you investigate this matter promptly and, if the above-listed item ( s ) is/are indeed inaccurate, remove or correct it/them as required by the FCRA. 

3. **No Binding Agreement** : Furthermore, I assert that I have no binding contractual agreement with the aforementioned creditor/reporting entity. As supported by case law ( cite the specific case ( s ) you're referencing, if available ), if no legally binding agreement exists between myself and the creditor, the credit reporting agency may not include the account in question on my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM A VICTIM OF IDENTITY THEFT ; I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE FRAUDULENT APARTMENTS RENTAL. THOSE FRAUD ACCOUNT NOT BELONG TO ME AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 


XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX WITH A BALANCE OF {$15000.00} IS A FRAUD COLLECTION ACCOUNT AND I NEVER LIVE THERE OR AUTHORIZED ANYONE TO USE MY IDENTITY FOR THEIS APARTMENT. 



XXXX XXXX XXXX OR XXXX XXXX AT XXXX XXXX WITH A BALANCE OF {$39000.00} IS A FRAUD COLLECTION ACCOUNT AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 



THANK YOU FOR YOUR HELP.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have, for some time, been trying to solve aa major problem with the agencies and the corporations and debt collectors whom they have allowed to put phony, unreasoned, baseless, items on my credit report unpermitted. I am now taking the necessary legal action under the FDCOA and FCRA against the agencies so that these ill-found items can be corrected and removed from my report.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo case number : XXXX Account number ending in XXXX ( Previously XXXX ) On XX/XX/2023, I detected a {$2400.00} charge on my credit card statement linked to XXXX. Promptly, I contacted XXXX to question the charge, and they advised me to contact my credit card issuer. Subsequently, I made three separate attempts to report the fraudulent activity to Wells Fargo over the phone, only to have my claims rejected each time. Furthermore, I made four email inquiries to Wells Fargo Credit Fraud, all resulting in denial. The responses provided limited details, asserting that the merchant verified the accuracy of the personal information provided, including my name, phone number, and credit card details. Additionally, they noted that the IP address associated with the transaction matched mine. Despite these explanations, I am steadfast in my belief that this charge is indeed fraudulent. Despite receiving a replacement card after reporting the fraud, Wells Fargo has not provided any additional clarification beyond stating that the information provided to XXXX matches mine. This situation has left me unsure about how to proceed, as I am determined to resolve this erroneous charge on my account. 

Wells Fargo has alleged that they attempted to contact me several times but were unable to reach me. However, this is inaccurate, as I always answer my phone calls. Typically, for significant purchases like this, I would receive a text notification, but I never received one in this instance. 

Furthermore, I never intended to hold an account with Wells Fargo due to its reputation for deceptive practices with customers. Unfortunately, the card I possessed was a Choice Privileges MasterCard, which was acquired by Wells Fargo. Immediately after the transition, I encountered this fraudulent charge.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (MD)

I refinanced my home in XXXX of 2014 and ended up with a mortgage from XXXX. Immediately after re-financing, I was contacted by Nationwide Biweekly Administration , Inc. There literature promised savings by paying bi-weekly. I called them and discussed it with them. They gave me the impression that they were working for my mortgage company, XXXX. I enrolled in the program, all the while, thinking they were a part of my bank. Last week I got several e-mails announcing that my enrollment in the program was " suspended. '' I have tried calling and e-mailing them and have received no response. After some research, I discover they are not only not affiliated with my bank, but they have been skimming money off the top of all my payments. I feel ripped off.
Consumer complaint received 2017-01-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (NC)

My balances keep increasing and I am on a IBR. I have yet to obtain employment in the field of study, and it is impossible for me to pay back those loans. They continue to raise my balance and it has affected my credit score severely! I am preparing to apply for another IBR, and I do not want my balances to continue increasing. I just can not afford it, I do n't know what to do. I can not afford to pay these loans.
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. (GA)

A few years I was a victim of ID Theft, It was proven that my Identity was misused for fraudulent purposes and goods and services were obtained. I reported it the the authorities and launched an investigation and concluded that the accounts were not mine. I submitted documents to the credit reporting agencies several times. They were not willing to help me resolved the issues. I contacted the creditors on my own and they concluded that the accounts did not belong to me. But XXXX refused to help me. Instead they were ok with reporting erroneous information to my credit profile. I am asking again for the accounts deleted from my credit report. 

XXXX XXXX opened XX/XX/XXXX balance : {$1200.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance : {$17000.00} -XXXX  XXXX opened : XX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

I submitted all the documents for PSLF in order to have my loans fully forgiven during the TEPSLF period. I have received documentation from the loan servicer that they received my documents and that they are under review. I called my loan servicer to get an update on the status of my loan forgiveness and was told that they didn't have my application and that I needed to submit a new one under the current forgiveness program. I uploaded the letter that they sent me saying that they have the documents, and was still instructed to complete the form again to take advantage of the current forgiveness programs.
Consumer complaint received 2016-12-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Funding was listed XXXX on my credit report, XXXX in collections and once in public records. I think I was able to remove them from public records but unsuccessful to remove them in collections. 
Also, kindly note that this account started as XXXX XXXX card and sold multiple times. It has been paid in full. 
Please, be so kind as to help me to remove this from all XXXX credit bureaus. In both collections and public records. Thank you in advance for your help.
Consumer complaint received 2015-05-29
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (PA)

I have a auto loan with Ally. They call me XXXX times a day once I am XXXX day late. They continue to call even after I have scheduled an automatic payment to come out of my checking acct. I called them and told them it was scheduled and to please stop calling. They then try to get me to make the payment sooner and continue to remind me my payment is due on the XXXX of the month. My payment is scheduled for XXXX/XXXX/2015. I have never been 30 days past due. This is annyoying. I also receive text messages from them. Please make them stop! Once I speak with them and advised of payment being made and SCHEDULE the payment the phone calls should not continue. My phone rings all day when I am work and I have been warned about it. There is no reason for them to keep calling like they do.
Consumer complaint received 2024-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

My account showed in good standing after consolidation and application for public service loan forgiveness. My account balance on studentaid.gov also showed a XXXX balance " in good standing '' and suddenly my loans reappeared. Mohela has sent numerous statements since then with a ridiculously high monthly payment though I was in an income driven repayment. Mohela has grossly mishandled my student loans, forgiven them and then reinstated them, and reporting my loans to credit bureaus with incorrect information. My credit score has taken a hit though I did nothing but apply for loan forgiveness and consolidation as instructed by Mohela representatives. I should be eligible for student loan forgiveness but my account has erroneous information and I am being inundated with different amounts, past due statements though I should be in forbearance while student loan forgiveness is being calculated. While my loans showed in good standing and at " zero '', I was unable to submit or correct issues with my XXXX application. My mental health has been impacted due to the back and forth and especially due to the " good standing '' and " XXXX balance '' on BOTH Mohela and Studentaid.gov ( and removal of my student loans on my credit report ) and then having the loans show up weeks later. XXXX  mishandling of my account and this will take me months to sort out with the credit bureaus which impacts my family 's wellbeing and my XXXX XXXXXXXX.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (MS)

I filed a complaint with your agency and the company U S Bank assn.  and they said in response that I cancelled the complaint which I did not. I could use some help with this lying company.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

I am a victim of misleading and predatory incompetence by the servicer of my mortgage loan, Carrington Mortgage Servicing. I have NEVER missed a payment over the last 10 years on my property. For some reason in XXXX when I mailed in my payment, the check was not cashed. I mailed in XXXX and the same thing happened. I was proactive and called to find out what was the matter. No one knew for sure, but they guessed it was because the address changed and I mailed it to the old address? I STILL DO N'T KNOW FOR SURE. 

I continued to follow up to solve this problem with Carrington and I was told that I need to send in a cashier 's check for {$3500.00} in order to reinstate the loan and put me back in good standing. I did this, but after Carrington received this THEY SENT IT BACK???? And now they are putting me in foreclosure??? What kind of scam is this company running? I have always made my payments, I have the money to make the payments, Carrington tells me how much I owe them, I send it in, then they send it back and file foreclosure paperwork against me. This is definitely NOT OKAY. 

I have tried repeatedly to get this situation resolved, I have tried to speak to a supervisor but I have not made any progress. I am stuck in a bureaucratic hamster wheel ; no matter how many times I call to fix this I can never get a straight answer or talk to anyone who can actually fix the problem. 

I need this problem resolved. I bought this home in 2006 for my children to live in ; it is currently occupied by my grandson and his son. I would like to add that I am a veteran of the United States XXXX. I served XXXX years, I worked for a government XXXX. I do volunteer work to help out with our XXXX and the XXXX XXXX. I have been an upstanding citizen and always paid my bills on time. I simply ca n't believe that due to the incompetence and misleading and predatory actions of the agents at Carrington Mortgage Services I have a house that is in foreclosure.