davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I responded to an email alert on my online banking site, it was information regarding the Cares Act forbearance program. I clicked on the email. and the response was that I qualified for the forbearance program, and was automatically enrolled and my next mortgage payment was not due till XX/XX/XXXX. I called Wells Fargo immediately to get more information as to what they had enrolled me in. I was told that due to Covid 19, they were allowing 90 days payment relief, and the missed payments would be tacked on to the back end of the loan, and would not effect my payment history, nor would it be reported, nor would it affect my credit score. close to the end of the 90 days, I was sent another email saying that if I wanted to further extend my forbearance, I could go another 90 days. I again contacted Wells Fargo, and made it clear I did not want to extend, and would resume my payments on XX/XX/XXXX. I made it very clear that I was concerned about the language on my past three statements regarding late payments, and the possibility of foreclosure proceedings. I was told that by making the normal monthly payment on XX/XX/XXXX, they would automatically remove me from the program. I have made the full XX/XX/XXXX payment, also the full XX/XX/XXXX payment yet, I am still showing as 3 missed payments on my statements, and still receiving threats of foreclosure in every statement. Interesting enough, after I made the XX/XX/XXXX payment, I received an email from Wells Fargo stating that I had been enrolled in the extension program for another 90 day forbearance. Again, I contacted Wells Fargo and demanded for them to take me off the program, correct my statements to reflect being current, and I wanted to see where the payments were added to the back end of the loan. I was told I would receive a letter explaining the procedure, and that now, I would have to sign for a new loan for the missing three payments, and that the new loan would coexist with the current mortgage. None of this was in the original description they gave me, and I was told that it was a fluid process, and that in the beginning, there was not a clear picture as to how all this Cares Act program was going to be handled. I have not received any letter, and I am still getting monthly statements reflecting delinquency and possible foreclosure proceedings if the full lump sum was not paid in full. I am concerned that there is a lack of transparency regarding this situation, and I am very concerned about the safety of my rights, and my home ownership. 
I would greatly appreciate some advise as to my rights, and as to where I can get help to protect my home. 

Thank you in advance.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

Paid off mortgage with Loancare. Letter from mortgage company dated XX/XX/XXXX acknowledging payoff. Called XX/XX/XXXX because we had not seen any change at county recorder 's office. 
XXXX started request fro inquiry, to be completed XX/XX/XXXX. Again saw no record at county recorder 's office and called back XX/XX/XXXX. XXXX found Release and Reconveyance of Deed of Trust had been received back from county recorder 's office and emailed to me.

Found our last name had been misspelled and called back on XX/XX/XXXX. XXXX opened request for inquiry and said to call after XX/XX/XXXX. Called back XX/XX/XXXX. XXXX told me it had gone to county recorder 's office on XX/XX/XXXX and to check back in 1 week. called back on XX/XX/XXXX. XXXX found nothing back, suggested I email XXXX. 
I have now emailed twice. First on XX/XX/XXXX, second on XX/XX/XXXX. NEED EMAIL ADDRESS TO FORWARD EMAILS TO YOU.
Consumer complaint received 2022-08-05
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. (PA)

Equifax broke the law. They did not have me permission or consent to furnish these reports, and have recently admitted to furnishing " millions '' of consumer 's reports inaccurately, and I, the natural person and consumer have been impacted. 

Pursuant to 15usc1681 ( a ) ( 3 ) Equifax assumed this role to furnish my information. Not only did they assume this role, but they didn't have my permission in the first place. Per 15usc1681 ( a ) ( 4 ) Equifax did NOT exercise their " grave responsibility ''. Equifax was unfair, partial, and did not respect my right to privacy. 

In accordance with 15usc1681b ( 2 ), I never instructed them to furnish this report, or create this report. I never consented to this report in the first place. 

I do NOT need an investigation, or reinvestigation. I provided the company with these laws 30 days ago, and was given a generic " validation '' of the below accounts. With recent news of the company 's erroneous acts of breach of privacy and consent, I'm demanding the items I have stated below be deleted from my account immediately.
Consumer complaint received 2018-07-03
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC (CA)

My first interactions with this firm were relatively fine, but since my account was transferred to XXXX XXXX, the communication has ranged from sparse to incompetent to non existent or unpleasant. It has not gotten to the point of threatening, but just barely. 

I have submitted multiple proposals for settlement handwritten by mail as well as via email and have attempted to call my representative. I've even contacted the main office to ask for a new case representative and have copied other addresses and have not had anyone respond to those requests. Since the original papers were served, I have not received anything in the mail or email about my case before they have brought the recent actions. I call and email XXXX XXXX and she claims to call me back, but does not. She often does not return my phone calls or answer my emails. The few times she has called, it's been in windows of time where I have explicitly stated that I was unavailable. I have submitted proposals and asked for information on next steps and have not received anything. Phone calls and emails have stopped entirely. 

It was my understanding that they could not continue to take action on my account when there has been new filings for settlement options, but they have continued to take money from my account and place more freezes even after I have submitted formal proposals and have tried to communicate. I feel that XXXX XXXX is intentionally not filing or responding to let things lapse and take more money from me. 

I can not pay more money than I have and have tried to communicate my parameters and offer as much as I can, but have not been met with reason and then communication just ceased while money continues to be taken from my account. 

I would like to pay these off, but can't do so if they continue to take every penny I make out of my account each month. This is the second month in a row I am unable to pay rent on time and will have to pay additional late fees on all of my bills thanks to XXXX XXXX not doing her job and this firm not being responsive to my requests for communication. 

I no longer live in Colorado so I am unable to appeal to a judge. I also don't receive information in a timely manner in order to deal with these things before it is too late and I'm unexpectedly out thousands of dollars. I am happy to pay monthly to move forward with this, as I've been advised by members of this firm in the past, but I can't deal with unreasonable or predatory people.
Consumer complaint received 2020-08-26
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: CITIBANK, N.A. (DE)

I have a loan with XXXX/CBNA, XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/CBNA, XXXX XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IL)

I received an alert from the credit bureaus that this collection account was added to my credit report on XX/XX/XXXX. When I logged into my credit monitoring service the information listed reflects that the collection agency I C System, located at XXXX XXXX XXXX XXXX XXXX MN, XXXX. Phone XXXX states that the partial account number XXXX was opened with them on XX/XX/XXXX in the amount of {$530.00} and that the original debtor is XXXX XXXX. I have never heard of this debt collector prior today. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 4 times today ... ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail.
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AZ)

Collection Agency TSI-TransWorld Systems Inc. is trying to collect a debt for a landlord ( XXXX XXXX, prev. XXXX XXXX ). Landlord & I were litigants for referenced debt which involves Security Deposits I paid and damages landlord alleges. I, the consumer, won the case but the Landlord had already placed the debt in collections and ( to present date ) still refuses to allow the debt removed from my credit files. TSI indicates Landlord did not respond to several attempts for information. TSI will not remove debt because they want to be paid from Landlord or consumer. I have the Case History from the Official County Clerk website, showing I won the case and this debt should have been removed from my credit files in XX/XX/2021 after the Judgment was entered. For over 4 years, I have tried to get XXXX XXXX and TSI to remove the debt but they both refused. This bad debt with collection agency has had a detrimental effect on my credit score and my ability to obtain desired housing. Each time I tried to resolve, TSI informed that creditor ( Zone ) has 30 days to respond but informed me creditor does not have to respond at all. This is unfair to me as a consumer. They should have to respond or remove the debt entry.
Consumer complaint received 2020-11-15
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: BARCLAYS BANK DELAWARE (NY)

To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's Barclay 's Carnival credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from barclay 's website. It is now Middle of XXXX and I do not see this card anywhere on XXXX, XXXX  or XXXX. I have called barclay 's a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

There were several unauthorized charges made on my Discover account at the end of 2019. As soon as I learned this, I instantly froze the account and contacted Discover.  They assured me that consumers are never responsible for unauthorized purchases on their accounts. Several of the charges were found to be fraudulent, so clearly the account had been hacked. However, there are three remaining charges that I am still being charged for, although I did not authorize them.
Consumer complaint received 2020-08-26
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. (NE)

The creditor XXXX XXXX XXXX is reporting a collection account on my credit report. This is not my account and I have disputed this debt several times with the credit bureau and the creditor several times. This is a violation of the Fair Debt Credit Reporting Act.
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2018-07-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (CA)

I have an equity line with PNC Bank. I have not received a statement from them since XXXX of 2018. They will not allow me to set up an online account. I have written letters to them and complained to customer service reps who have been unable to help. I continue to make my payments but have no idea of my balance and if the payments are going to the correct account. To make payments I either have to call and pay a XXXX dollar fee to process a phone payment or handwrite an envelope copy my XXXX payment ( again ) and hope they put it in the right account.
Consumer complaint received 2021-11-27
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$21000.00} XXXX {$25000.00} XXXX {$0.00} XXXX XXXX {$1200.00} XXXX XXXX {$780.00} XXXX {$75.00}
Consumer complaint received 2021-01-20
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. (TX)

I recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from XXXX XXXX dated in XXXX. In XXXX, I was XXXX  years old and have never done any business with XXXX XXXX or any of their affiliates. I contacted XX/XX/XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.
Consumer complaint received 2020-06-01
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: MARINER FINANCE, LLC (IN)

On XX/XX/XXXX, I mailed XXXX  a letter disputing 3 accounts such as : XXXX XXXX XXXX XXXX XXXX and Mariner Finance. On XX/XX/XXXX, I received a letter from XXXX in response to my dispute advising the credit items for XXXX and XXXX   XXXX has been deleted from my report, but Mariner Finance remains due to the company certifying the info. is accurate. So on XX/XX/XXXX, I mailed a certified letter to XXXX   requesting that they provide their Method of Verification, the name, address, and phone number of the person contacted regarding this alleged account, and any documents provided by the company, bearing my signature, showing that I have a legal binding contract with the company and that I am obligated to pay them the exact amount claimed in my file. To my surprise on XX/XX/XXXX, I received a response from XXXX advising they will not be reinvestigating my dispute because the creditor has already verified the accuracy on this account and they are claiming the info was obtained from a public source, such as a court or government office. They are also asking me to provide additional info to support my claim and then they will reinvestigate ; I don't have any information on this account because clearly I don't recognize this creditor which is why I sent my initial dispute and which is why I would like to see the signed contract by me with this company obligating me to this account and this exact amount claimed.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

I Have been trying get the credit bureau 's to correct my information to be accurate and they have not resolved this issue and keep telling me to address with company 's I know nothing about and the company is reporting address from other peoples residence and their accounts
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (DC)

I contact XXXX XXXX regarding my application for the XXXX XXXX XXXX XXXX program. Previously, they had provided me inconsistent information about the number of qualified payments I had made and I reached out to them seeking clarify and more information. 

On XX/XX/XXXX, I talked to operator XXXX who stated that there were 23 payments under review and that I would receive a response by XX/XX/XXXX. 

On XX/XX/XXXX I talked to operator XXXX who stated that I would need to wait another 30 days. They reported I had 671 eligible payments and that 13 were under review. 

On XX/XX/XXXX I talked to operator XXXX who said they had no updates and no information. 

On XX/XX/XXXX, I spoke with supervisor XXXX who stated they would send a direct email to the treasury department and hoped to have a response in two weeks. They said I should be receiving/hearing something in two weeks, and that she would follow up if there was no response. 

It is now XX/XX/XXXX and I have not received any response. I still do not have any information or clarity about the number of qualifying payments that I have made for the PSLF program.