davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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'm a victim of ID fraud. I've tried to clear, remove the many negatives items on my credit report for years. I've contacted police departments, accounts in collections, creditors that said I owed them monies. I've gotten collection notices,,, so may over the years & i've given up fighting since the issues have never been resolved. I've lived with bad credit. accounts in collections that I have no knowledge of. Car loans that I'm not aware of. It seemed that banks, collection companies as well as credit bureaus are not helping much and I really can not understand why. I don't have all the accounts full informations since theyre NOT opened by me!
Consumer complaint received 2021-10-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: B&B Funding, LLC (AL)

My current mortgage company XXXX XXXX  company sold a ten10 year old debt which was a second mortgage I stopped paying in XXXX. The debt was transfered to First American National LLC. To me they pass themselves off as a mortgage servicing company, but they are really a collection agency. They are currently in the process of foreclosing on the house we live in. My first mortgage is current. I contacted my mortgage company concerning First American National LLC about the foreclosure, but the people I talked to on the phone could not pull up any information with the account number that I was giving them. I don't know the process of course and I am concerned. 
There's more concerning the mortgage, my first and secon. In XXXX of XXXX my wife and I went to the table to to purchase the home we currently live in. Five months later I a new first and second mortgage was taken out for even higher amounts in our names with our signatures that we did not sign for. What I realize is that we have been paying on this mortgage for years that we did not sign for. My question is, how was the original mortgage that me and my wife signed for be paid off with in five months for and even higher amount? I need answers to these questions because I have'nt been able to get legal help over these many years concerning this matter. Now I'm faced with First American National LLC trying to foreclose on a debt that in reality me and my wife never signed up for. I just can't understand how a collection agency can pass themslves off as a loan servicer and XXXX XXXX  my current mortgage company say it in a letter stating that they are. IS THIS TRUE?
Consumer complaint received 2023-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (MO)

I disputed two collection debts with XXXX  2x with supporting documents regarding my Affirm loan accounts ( XXXX and XXXX  ) that was paid off through third party agencies. For XXXX  the amount paid was {$40.00}. Whereas the XXXX  debt was originally {$150.00} but {$100.00} was taken in the form of a settlement. Both payments were cleared XX/XX/2023. 

Affirm denied XXXX  to update the history of credit to reflect the status as paid in settlement with said amounts. 

I went ahead and decided to give affirm a call. As per affirm, they stated that despite confirmation of payments they will keep the status as charge off and will not update any information with my credit bureaus. 

This is extremely frustrating because I went through rough times and decided to still pay the debt. At this point why would anyone want to pay their debt if companies won't honor the payment?
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

XX/XX/XXXX and XX/XX/XXXX, loans should have been deferred, Department of Education has place 2 late markings on my credit reports. I have written letters and completed the dispute form and mailed it as directed however, to no avail.
Consumer complaint received 2019-08-02
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. (MS)

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX
Consumer complaint received 2021-01-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

My husband and I applied to refinance our home through AmeriSave Mortgage Corporation with a VA loan in early XX/XX/XXXX. Initially, we had difficulty getting any responses at all after we had received the mortgage options. We have been consistently asked for the same documents repeatedly. We have endured one excuse after another for delays, none of which were valid reasons. We are now in XX/XX/XXXX and still no final approval or closing date scheduled. After being told XXXX, they needed one more item ( which had previously been provided several times ) and a tentative closing date was being requested for XX/XX/XXXX-XXXX. We have now received a notification that XXXX W2s are now required to move forward. These documents have not even been created yet, as there has not even been 1 business day in XXXX. AmeriSave has XXXX W2s and pay stubs for each pay period since XX/XX/XXXX.
Consumer complaint received 2020-12-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (GA)

I am under a legal forbearance with the cares act with my mortgage servicer home bridge financial services. My forbearance does not expire until XX/XX/XXXX. However, since the inception of this forbearance in XX/XX/XXXX, I have been receiving harassment collection calls from home bridge demanding payment. The calls come from an automated system and a live person. The calls come in every other day. The latest collection call was today from the phoneXXXX. I complained to management about these collection calls multiple times and homebridge stated they will stop the collection calls. However this morning the collections manager stated that the collection calls need to done every month. While on the call, they ask you if you are occupying the property, if there are any damages to the property and that if we have any intentions to occupy the property. These questions are questions that relate to a foreclosure and not a forbearance. I demanded that these collection calls stop immediately or I will report them to CFPB and the FTC and state attorney office.
Consumer complaint received 2023-02-25
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: Bridgecrest Acceptance Corporation (VA)

I bought a car from XXXX 5 years ago used that said it was accident free. That was a lie. Nobody helped! I was always on time with payments then Covid hit so I had kept up with my arrangements because my business was closed down. I have literally been paying them weekly. There was no notice of repo. They reported to the credit bureau that I voluntarily surrendered the car which I due not then they took it made me pay XXXX to get it back then charged it off at XXXX which is not what I owe. They are adding all these late fees and other unknown fees to rob people. How can you charge off a vehicle at a price they dont owe and threaten them if they are a day late theyre coming to get it again. I still have the loan and the car. But my report states they charged it off. Now I can not get the medical care I need to possibly save my life.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Below the following inquiries were pulled without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

On XX/XX/2019, I attempted to access my Free Credit Report for Equifax. After completing the information on-line, I was notified that Equifax on-line reporting is not available and I would need to file a request by mail. The form which the website states is in PDF format, is NOT. When I clicked on the icon for the Equifax form, I was prompted to save the form as an " ACTIONFILE ''. Because I do not know what an ACTION FILE is and do not have software to support the file, I was unable to complete the form for Equifax. I do not understand why it is impossible for me to acquire a copy of my credit report from Equifax and why there are so many restrictions to accessing my credit report from this Company? The information on XXXX  is not accurate. There is no PDF format for the form, although the website states the form is PDF. I am a XXXX veteran and this entire process is antiquated and impossible for a person with XXXX XXXX  and XXXX to complete. Equifax is reporting untrue Public Information on me and I am being denied credit as a result. I have been denied access to my Equifax credit report by Equifax and denied access to my Equifax credit report by XXXX  because their on-line process and form to file by mail with Equifax is defunct.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Choice Recovery, Inc. (OH)

CHOICE RECOVERY INC Original creditor : XXXX XXXX XXXX XXXX Open Balance : {$200.00} Remarks : Account information disputed by consumer, meets FCRA requirements verified information with insurance and they have a paid claim on file for said service : have disputed this information and have never received a detailed explanation of debt : i have a {$0.00} balance from original creditor and they advised all claims on file and all cost share have been paid by myself/insurance.
Consumer complaint received 2019-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (FL)

CONFIDENTIAL : I filed a cusumer complaint ( Complaint XXXX ) with the Consumer Financial Protection Bureau regarding a charge that was supposedly settled and still appeared on my American Express account. By me contacting you, they retaliated against me for filing a complaint by changing their opinion of the disputed charge in a letter dated the same day it was provided to you. The letter had numerous false claims and than ruled in the vendor 's favor with no new evidence. I have numerous letters where they ruled in my favor I guess today 's consumer have no protection This has been going on since Mid-XXXX XXXX.I been doing business with American Express since XX/XX/XXXX. They are not providing any respect to or organization back having someone above a high school education or recent college graduate that tries to be the hero by writing a letter to me reversing the decision. For your information, I am a XXXX XXXX XXXX XXXX XXXX  with a XXXX and XXXX   degree being in business for 31 years. I hope they realize they are dealing with someone that is highly knowledgeable and educated. From this incident, it appears, the CFPB is working for the big corporations rather than the citizens of this country. Please prove me wrong. Sincerely, XXXX XXXX
Consumer complaint received 2020-05-28
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: WELLS FARGO & COMPANY (CT)

The problem is with my bank Wells Fargo. I requested a deferment on XX/XX/XXXX for a retail account that is through WF. XX/XX/XXXX I noticed I had a late fee of {$27.00} and made contact with WF on XX/XX/XXXX in regard to this problem. They removed the late fee immediately but not before XXXX XXXX reported my credit score as having decreased by 4 points because of an increase of usage ( {$27.00} ). I rely on my FICO however, I have found XXXX XXXX XXXX report to be the same. I have requested a " letter '' for my records for the past 4 weeks. I want a letter that states they didn't process my deferment for 5 weeks from XX/XX/XXXX until XX/XX/XXXX and that through no fault of my own I was charged with a late fee. I am or should be entitled to a letter with the above instead of the basic rote WF sent me. Thank you.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I had a collection report of {$68.00} dollars on all my credit reports for XXXX XXXX being reported by XXXX XXXX XXXX un 2018. It is the only derogatory collection on my report thus far. I paid off the bill but I was requesting for a pay to delete for it to come off my credit but they are saying they can not delete it off my report even with the paid item. It is showing also that I had disputed this item still though I had gotten a letter stating that they were reporting the debt correctly. I was writing a request for both the bill and the dispute remark both to get deleted off my credit because paid in full and the remark will not help my credit scores. I appreciate your consideration on this. This was a medical bill for my daughter that I overlooked with the company long ago. I didn't see that bill.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX someone I do not know somehow managed to send me a paypal payment for {$200.00}. Paypal charged me a fee in order to receive a payment I did not send a request for nor did I ask for and it came from a person I do not even know. Of the {$200.00} payment, I only received a net of {$190.00}. Paypal 's system will not refund the portion that is their fee as that is their apparent new policy, however in this case I'm willing to be it cost itself at least two customers.

Paypals system will not allow me to even partially refund the transaction without the fee attached and instead was attempting to force me to refund the entire transaction from my bank account which does not currently have this money available. This is absolutely terrible. The best part about this is, when the user who accidentally sent me this money called they directed her to file a dispute. A dispute that if it gets escalated to papal now has a dispute fee, talk about double dipping.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account numbers XXXX and reporting incorrectly that I am ( 30 ) days late on partial account numbers XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

I opened a bank account back in XXXX time frame and I opened that account in New York where I am from. I left to go to school in XXXX and I stopped using the account because I created a XXXX XXXX  account before leaving and I used that card and I was informed that there were several checks on my account that came back unpaid that I didnt do which is clearly fraud something Wells Fargo is known for Ofcourse. My account was later closed and I tried to reopen the account and the teller at the bank said theres nothing they can do so I just left it alone because they did return my money to me so I had no problem. I was also informed that I would need to pay any remaining balance on the account and if there were anything owed I paid it its been awhile so Im not sure if I had to or not. I recently walked into a branch in XXXX, AZ to open a new account and I got denied for the regular checking so I went ahead with the opportunity checking and everything was fine I deposited my money and changed my direct deposit to this new account and I made sure before going through with it I asked if Im in good standing with the bank and I was told I am fine. Well, I got a call this morning saying due to misuse of my old account my new account will be closed in 10 business days and I want answers because to begin with this was fraud but I didnt lose any of my own money plus the account was closed so I had nothing to worry about but now Im being penalized for this bad security measures by Wells Fargo. I need my account to stay active because I neee a new account this problem that happened isnt my fault and I will make sure Im heard if I dont get a fair look on this because Ive just been brushed over like I dont matter. This is just ridiculous Wells Fargo is a true shame to the banking industry how do you conduct business this way and think consumers would call this a good bank. I just need an account and I would like to bank with Wells Fargo out of my liking because the other banks I dont like that much but Wells Fargo is soon enough joint that list. I just want my matter to be solved ASAP! My account is closing in 10 business days and I need that stopped. 

Best regards, XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (GA)

I am reissuing my dispute against Citibank Home Depot Credit Services Citi Reference # XXXX. I am still trying to resolve this issue with the company. However, after filing complaint with your offices they finally provided me with letter dated XXXX. Four months after they apparently sent it and three months after the XXXX date to continue a dispute with the company. They also attached paperwork for a completely different customer from XXXX XXXX while I live and have lived in XXXX XXXX since XX/XX/2015! 
I am attaching all documents they sent for proof of someone else 's info sent to me. As a further addition to this statement when I supplied initial documents I sent photos that wood was warping, splitting they was barely put up within a few weeks. When I showed these photos to store managers they even stated that kind of damage should only occur after a few years not a matter of weeks. 
What is worse is I paid someone roughly {$500.00} to paint the fence and have had to go back and fix what I can on my own
Consumer complaint received 2021-03-24
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

I made a payment in XXXX of 2022 through Citibank using their XXXX pay ( an Electronic fund transfer service ), for a vacation rental in XXXX XXXX NJ. My family and I came down with covid, and had to cancel our vacation. I requested a refund for our unused vacation, was denied, and requested again and never heard from the alleged owner of the vacation rental. I brought this to the attention of Citibank in XXXX, XXXX, XXXX and XXXX of 2022, repeatedly saying that I was defrauded out of {$1500.00}. Citibank refused, claiming no responsibility. Citibank is governed under The Electronic Fund Transfer Act, and does indeed owe me a refund due to fraud. Citibank must better approve the users of their services.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

Equifax is allowing fraudulent inquiries to stay on my credit report. I have informed them about this several times and I sent them my FTC claim through BOTH mail and fax SEVERAL times. Last time I spoke to them they said that they see my letter which was sent with my FTC claim, but not my FTC claim. This can only mean that they are misplacing my private documents which is UNACCEPTABLE. First, I did not give them authorization to have ANY of my alleged personal information in the first place, but they are also misplacing my documents that I have to send them because they are reporting FRAUDULENT things on my credit this is ridiculous. Please rectify this situation immediately.
Consumer complaint received 2020-05-29
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: TD BANK US HOLDING COMPANY (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.