davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX BANK NA : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that he information is inaccurate.
Consumer complaint received 2020-08-06
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$1400.00}
Consumer complaint received 2020-04-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is a last resort to get the issues with my credit finally resolved. It has been well over 60 days with absolutely no response from the credit bureau which is showing complete disregard for the laws governed under the FCRA. Please help
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (VA)

To Whomever It May Concern : Good morning. I recently got an alert from XXXX  that I got a report filed against me ( for not paying the membership fee ). My credit score has been reduced by 50 points. I have few issues with that : ( 1 ) I never received a bill for the membership fee. I dont understand, how I can be held accountable for a payment on a bill I never received ( especially during a covid pandemic ). The customer rep admitted ( on the phone ) that the bill may have been lost in the mail due to covid.

( 2 ) No one from Barclays reached out to me to notify me that I had a payment due. Instead of notifying me, they went behind my back and bypassed the process to maliciously report me to XXXX.

( 3 ) They have my banking information on file ( as the customer rep said on the phone ). Why did they not debit the baking account? What is the purpose of having that information on file, if they arent going to ever use it.

( 4 ) I have never used the card ( literally never ). 

( 5 ) I alerted them that I will be reporting them to the FTC and they seems to not care.

This is concerning a monthly bill I never received ( it should be a XX/XX/2020 bill that was due in XX/XX/2020 ).
Consumer complaint received 2023-01-20
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. (GA)

They are reporting false information. It says I was late 90 days but on the report it says I was on time In XXXX and in XXXX but I was late in XXXX and in XXXX
Consumer complaint received 2017-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sentry Credit, Inc. (PA)

I got an alert today that the company SENTRY CREDIT INC is reporting a collection account on my credit file. THIS IS THE 2ND TIME THIS ACCOUNT WAS ADDED TO MY REPORT. I disputed it in XX/XX/XXXX ( original case # XXXX ) initially with the CFPB and it was removed now again in XX/XX/XXXX its reinserted. I have no knowledge of this debt and i was never given a DV or anything. This is a reinsertion of a deleted account with the same company! this is not my debt and it should be re-reporting after it was deleted
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (MI)

I need to link my PNC Bank account to XXXX ( stocks/investing ) but I keep getting an error message that will not allow me to link the account. I have already spoken with someone at PNC Bank and they do not see any issues on their end that should prevent me from linking my account.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

Equifax refuses to remove XXXX XXXX bankruptcy from my credit report after providing documentation several times that it has been removed from XXXX on XX/XX/22 and XXXX on XX/XX/22 due to never taking place or occurring in my name. 
This is inaccurate reporting therefore please remove immediately from Equifax credit report.
Consumer complaint received 2020-08-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Risecredit, LLC (MO)

Rise credit lending is a predatory lending Company. They have destroyed my credit for years now. XX/XX/XXXX I was given a {$2200.00} loan with an interest rate over % 100. I paid them over {$7000.00} in less than one year. Last payment made was {$2000.00} XX/XX/XXXX under the advisement that the balance would be paid in full. 
Yet they held onto my loan for another full year with a small balance and accruing interest all the while. XX/XX/XXXX they then sold it to a collection agency which has given me another 7 years of a derogatory mark. I have been writing letters and explaining to both companies for years. FINALLY the collection agency agreed with me that what they did was illegal. Collection agency removed themselves from my credit report ( thank god ) Rise on the other hand refuses to remove themselves. 
Also The information/dates/payments etc reported on my credit is false/wrong/illegal. discrepancies all Across the board & Completely wrong information. It updates daily and I have had no choice but have them linger.
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AL)

XX/XX/2019 - I got a alert from one of my Credit monitoring services about my Credit file/score changing .Upon doing my research and looking at my credit files - I noticed my score dropped tremendously from a account I had not recollection of ( IC systems ) .. I called IC systems several times on XX/XX/XXXX and got no answer. Got a alert XX/XX/XXXX from the same credit monitoring service that my score has been compromised again - guess by who?? IC Systems reported this account 4 or 5 times in one month and thats not legal.. A different date and No validation of debt or nothing is not right .. I need answers!!! And I need them now!!!!
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (SC)

My payment due date is on the XXXX of each month. I made my XXXX payment on XX/XX/XXXX for the full amount {$360.00}. My statement indicates that although my payment was paid before the due date, that Ally Financial charged me a late fee of {$34.00}, and that NONE of my payment was applied to the principal, but instead the entire {$330.00} remainder of my payment amount was assessed to finance charges. 

In addition, Ally Financial offered a COVID-19 deferment, and accepted an agreement to allow my auto payments to be deferred for a period of 90 days. At the end of that period I resumed full, on time, actually early, payments only to have the payments during the deferred period reported to the major credit bureaus as late, thereby inaccurately & unfairly adversely affecting my credit worthiness during a time of economic disaster. 

These practices seem likened to the PREDATORY LENDING described online from a reported XXXX Justice Department and Consumer Financial Protection Bureau investigation into predatory lending practices affecting minorities. 

I have been a long time customer, have been paying of this {$14000.00} auto loan since XXXX, the balance does not seem to move despite a few late payments in earlier years, due to the 23.40 % interest rate, and I find this as well as the distribution of my most recent, and potentially other payments, both concerning and egregious.
Consumer complaint received 2023-01-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OK)

I applied for a Obama refinance around XXXX and was not aware it was a second mortgage until I sold my home in XXXX. Then I was told about the second mortgage for $ XXXX. Knock me off my feet. The first I had every heard of it.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

In XXXX and XXXX quarters of XX/XX/XXXX and the entire XX/XX/XXXX year I experienced financial hardships. Me and my wife lost our jobs, had a vehicle repossessed, got behind {$3400.00} on rent, and lost health insurance to name a few hardships. I made Navient aware of my financial situation and they were unwilling to work with you to lower my payment despite the fact that I was below poverty level. I even enrolled at an online school just to dodge Navient and that turned out to be a mistake because I consequently inherited more debt. 
I understand my obligation I just wish Navient was easier to deal with and more understanding towards poverty stricken customers.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (UT)

I tried doing a modification back in 2011. Wells Fargo had me jumping threw all kinds of hoops and laughed at me when I was in contact with them then would not take my calls or email whenI thought I was close to my modification I was in foreclosure and had to take out bankruptcy to protect my home. They were not helpful at all
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (OH)

Well back in I believe 2011 I lived in XXXX XXXX, NV. I had a Wells Fargo checking account. My account was closed due I believe empty envelopes in the deposit slot at the ATM. AND there was no money or checks. At the time my account had between $ XXXX {$400.00}. I never received my money that was in the account.
Consumer complaint received 2016-12-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I have fallen behind on my payments. I applied for a modification which I did not qualify for. In XX/XX/XXXX. I contacted retention and made a payment of about {$3200.00}. I called today to XXXX another payment of {$1200.00}, monthly payment is {$1000.00} and there is a couple XXXX in suspense. They refused to take my payment said I had to pay XXXX in full, would not allow me to speak with retention. They said I failed to keep my agreement, which I had no agreement I was n't approved for the modification. Last year I experienced so setbacks, but I am trying to remedy that and move on. I need my home I have children. But Carrington Mortgage Servicing is unwilling to allow me any solutions. I do not receive regular communications from them so I am not sure where I am with the loan. I calculated I will have the loan current and will be able to pay monthly by XX/XX/XXXX, if allowed to make the larger payments in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-09-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My Bank of America checking and savings accounts are connected so that I can avoid overdraft charges. However, the bank has transferred funds from my savings account and charged me a {$12.00} transfer fee when I was not in danger of overdrawing my account. For example I had {$34.00} in my checking account, on the XXXX of each month, I have {$25.00} transferred to my savings account. After that transfer, I would have had positive balance of {$9.00} left in the checking account, but Bank of America transferred {$21.00} and then charged me {$12.00} for the transfer. It seems Bank of America is determined to find some way to access fees from my accounts. This is the second time Bank of America has done this.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (PA)

I disputed my inaccurate XXXX item with Experian. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is XXXX, which it was. Anyone could look at the item and see it was inaccurate, without information from the furnisher. Experian made no effort to investigate. Please delete this item.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (IL)

I recently questioned a bankruptcy on my credit report and requested the source of this information ... .The United States bankruptcy court sent a letter saying that they do NOT furnish information to credit bureaus ... .Experian is reporting INACCURATE INFORMATION ( NOT MINE ) THE FURNISHER OF THIS INFORMATION has not given them the correct person this item belongs to and I am requesting they DELETE this inaccurate information from my credit report ... ...
Consumer complaint received 2020-08-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A. (DE)

XX/XX/20 I was trying to use the XXXX app so I could receive a small portion of my paycheck early to get gas, and as I was going through the sign up process, it said that PNC was not allowing me to continue.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I graduated from California School of XXXX XXXX XX/XX/2010 and I was forced by the school to take out loans to cover the cost of my education. I had to take out a federal loan for {$10000.00} which now I owe {$7600.00} and XXXX in private student loans from XXXX XXXX which I have been paying since and the amount does not seem to change at all, I now owe {$51000.00} to navient.I have recently lost my job and I have no income and currently looking for a job. When I called Navient to ask for help and see what options I have, I was told since I have a private loan I am basically out of luck and even if I do n't have an income I have to make payments. I even explained to the representative of navient that my school has now been closed due to fraud and the lies that the school told all their students and I asked if I can get any kind of forgiveness since I cant use my degree and again I was rejected and I was told I have to make my $ XXXX monthly payments. The representative even suggested I ask my parents for money which I find very disrespectful as a XXXX year old man. My student loans have completely ruined my life, I can not even go back to school because I am under so much pressure to make my payments every month. I am currently past due on my Navient account by a month and I get at least 10 calls a day from Navient leaving me voicemails and trying to collect. I simply do n't know what to do at this point.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX XXXX ( # XXXX ) {$1200.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,
Consumer complaint received 2020-08-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PNC Bank N.A. (IL)

XX/XX/2020 I applied for a car loan as a co-signer to my nephew, XXXX XXXX, at XXXX XXXX. XXXX ended up financing up and I didn't realize they had applied to PNC Bank and XXXX XXXX. XXXX XXXX and PNC Bank sent me letters later where XXXX XXXX had approved me, but XXXX took on the financing. However, PNC Bank wrote a scathing denial letter dated XX/XX/2020 stating erroneous and slanderous information regarding delinquent payments, ( 1 ) Serious delinquency, ( 2 ) Ratio of balance to limit on bank revolving or other revolving accts too high, ( 3 ) Number of accounts with delinquency, and ( 3 ) Length of time accounts have been established which are all slanderous and incorrect, from XXXX  Credit Reporting agency in XXXX, Texas. This is a lie. XXXX  Credit Reporting could not have that kind of negative information in their agency relating to me and my credit when I have a XXXX credit score. I contracted PNC Banks Executive Department and they told me my credit denial was due to being lumped in with my nephew 's credit. However, they addressed the letter with the slanderous inaccurate information only to me and did not mention my nephew 's name in the letter so that anyone reading their denial letter would view my credit as horrible when I have a XXXX Credit score. I  wanted PNC Bank to retract the letter, but they sent me an assinine explanation that, " It is assumed that each applicant will know whether the reason ( s )  are specific to them or the co-applicant. This is horrendously insulting. PNC Bank did not name my nephew, XXXX XXXX, anywhere in the letter addressed to me and sent to my address with those terrible and inaccurate descriptions of my credit. Ms. XXXX of PNC Bank 's executive office also continued to initially contact me at my home number when I sent return emails to her and left numerous voicemails giving her my cell phone number because at XXXX years old, I continue to work full time. But after a few days of continuing to call the wrong number, Ms. XXXX sent me an email stating that they had attempted to contact me, but could not reach me so that they were going to close the case. I left distinct and clear messages giving Ms. XXXX my daytime cell phone number and sent return emails asking her to call my cell number. So for her to fein not being able to contact me as an excuse to close the case was a cover-up of their wrong doing. Ms. XXXX finally called my cell phone after I told her my next step was a complaint with CFPB. But then she came up with that ridiculous explanation of why they said the terrible things about my credit in their XX/XX/2020 letter which can not be true when I have a XXXX credit score.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (ME)

Hello I am contacting your organization to file a complaint against my mortgage company Mr. Cooper. I have been trying to resolve my delinquent payments and get them to review my updated financial information for loan modification but their agents have obstructed the process. I am told that I am eligible for review and that I need to send in updated paperwork, and I follow the instructions but when they receive it I start getting the runaround and they never actually look at the information. I am now facing foreclosure because Mr. Cooper won't do their job and review my updated financial information which documents positive changes in income. I have owned my house for 15 years and I am scared I will have my house sold at foreclosure auction. I worked for years a XXXX XXXX   but due to XXXX XXXX had to take an early retirement. That is how the whole problem started. 

I applied for a loan modification in XXXX and was approved and I made my payments as agreed. As explained I was diagnosed with XXXX XXXX in XXXX. I had to take an early retirement from my job as a XXXX XXXX. I applied through Mr. Cooper for a mortgage modification since my income had decreased and I had major health issues and bills. I ended up getting approved in XX/XX/XXXX and was offered a trial program, but this modification only lowered the payment {$50.00} a month and I could not afford the payment. I tried to appeal and get a new review initiated, but have been stuck in the abyss with Mr. Cooper ever since. 

When I contact Mr. Cooper to re-apply for a modification I am told that they need updated financial information about my current income to be reviewed. I explain that I receive SSI and now I also receive a pension and that this is the current and correct financial information. There is some kind of disconnect with their agents, because they always fall back on telling me that I was already reviewed and that I need to provide information on additional income. When I provide this information, I am STILL told that I am not eligible for a new review and that the only possible solution is to make one lump sum payment of all past due amounts. 
Mr. Cooper 's agents won't even conduct the review, they act as gatekeepers and deny me access to homeowner programs designed to help me.