davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NJ)

Contacted Midland Mortgage regarding loan assistance in XXXX however the revised amount ( approx {$1900.00} ) was higher than the last initial amount ( $ XXXX ). Kept in contact with Midland on a monthly basis and began making double payments XX/XX/XXXX to XX/XX/XXXX. When I contacted them in XXXX noticed my mailing address for notifications was incorrect ; I called them to update my mailing address, due to USPS mailing issues. I also asked how much time was left before any forclosure process. They indicated payments and forclosure determination is. In XX/XX/XXXX I sent XXXX checks for {$50.00} each. Mid XXXX, I received XXXX out of the XXXX checks back with a note requesting the full amount of {$2000.00} is required. When I called them to establish the requested monthly payment, to my surprise, I was told to stop paying my mortgage and that I'm now in the forclosure process. I was confused and asked if i sent in the full amount would tgey send it back, they gave an unsure response but assured me to stop paying all together. I moved forward with applying for loan assistance over the phone and asked them for next steps. They indicated that I could ask for a determination amount for the account to come current and that they would negotiate the terms with their attorney. They gave me the attorney 's contact information. When I called the attorney 's office, they said it's not true, it's the full amount or go to court. They also confirmed Midland did not request to have a complaint filed and to call Midland back asking if they could remove me from the attorney list and the status. I called Midland back and spoke to their forclosure office. They indicated that my assistance application is under review and they are using outdated documents to make the determination; was open to updated documents being sent in. They were unable to answer about the complaint process saying it's their attorney that makes the decision ; they were unsure. Updated documents were submitted the first week in XXXX. On XX/XX/XXXX - XXXX XXXX left a notice on my door with a summons and filed complaint. I explained to the Service processor I work out of state and not my home resident state. Serving should be to the updated address provided to them. XXXX confirmed they will update their records and inform Midland Mortgage ' attorney. I called Midland to ask them about the status of my loan assistance application the same date, i was informed it would take another XXXX days for determination. Midland is conducting dual tracking, did not provide proper notice and gave incorrect information forcing me into forclosure when I was making faithful double payments. Now i have to go to court utilizing the money to pay my mortgage payments, for a forclosure defense attorney. This doesn't make sense at all when they were being deceptive, creating unnecessary confusion and illegal activities according to the NJ forclosure statute.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (TX)

On XX/XX/2022, I received the results of reinvestigation from Equifax stating that they have verified a discharged XXXX XXXX bankruptcy on my credit report. According to Equifax, Equifax obtained from local, state and federal courts through a third-party vendor, XXXX. 
On XX/XX/2022, I got a letter from courthouse stating that they do not report bankruptcies to anybody. I also obtained my XXXX credit report on XX/XX/2022 and there were no discharged XXXX XXXX bankruptcy as claimed by Equifax. If that is the case, why will Equifax claim that the bankruptcy is 100 % accurate. They never did a fair investigation.
Consumer complaint received 2022-09-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/22 i sent a letter to transunion telling them to correct my information and i got no answer. i then attemped to file complaint here and i dont see it recorded on XXXX/XXXX/22. this is the second attempt to resolve this matter. i intend too contact the FTC if this is not the correct place the reslove the matter.
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (AZ)

US bank purposely withholding my card and not letting me access my money! 
The checking card my per diem went to expired. I should have gotten a card automatically when the old card expired! It never showed up. So Through the bank app I requested a new card several times over several months and kept thinking my wife had lost or misplaced it with the mail. When I finally had enough and called them directly they said they had never sent one because ( some excuse blah blah blah ). I'm like No! That's my money I need to have access to it. Oh we are sorry I will over night the card to you! It will cost XXXX dollars to overnight it to you but we will cover that cost because it's our fault. Call back Tuesday to get your tracking number. Tuesday ( today ) I check my account and XXXX dollars is missing for overnight delivery fee. But the real kicker they hadn't even mailed out the card ( another excuse ) mind you I called Saturday night and was supposed to have my tracking number for the new card on Tuesday. Now they are promised to reverse the fee for overnight and to call again tomorrow for the tracking number! All this time they have all my information and don't know bother to let me know why because they want to keep my money in their bank as long as possible! I can't even go to a US bank and pull out my own money! This isn't the first time they did this to me but it will be the last!! I wasted a lot of time on this already!!! Plus I needed that money! My money!
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (TX)

In according with the Fair Credit Reporting act XXXX Account name-XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (CT)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00}XXXX XXXX  XXXX Balance : {$0.00}, RESIDENT VERIFY XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022, XXXX XXXX XX/XX/2022, XXXX XX/XX/2022
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

On XX/XX/XXXX, I filed Complaint # XXXX regarding an issue with refunding student loans paid during the COVID-19 forbearance period. I filed the complaint against my prior servicer, XXXX XXXX, who responded that they were not responsible for my refund and the case was closed on XX/XX/XXXX, seemingly without anyone from the CFPB reading my complaint or the response. 

Request was made on XX/XX/XXXX with XXXX to refund all student loans paid during COVID-19 forbearance period ( XXXX XXXX ). Call reference number was # XXXX. I was advised on a call two months later that I would not be able to get my student loans refunded because I paid select loan sequences in full, which I later learned was a false statement. In XX/XX/XXXX I learn that my loans are being transferred to Mohela and received an email on XX/XX/XXXX that the transfer process had began. On XX/XX/XXXX, I saw that my account had now reflected my current balance and contacted Mohela to initiate the refund process. I was told it would take 60 days. I called several times over the course of 60 days for updates, and never received any update. After 60 days, I called Mohela and was advised that the wait would now be 90 days following the influx of forgiveness applications from late XXXX following the President 's executive order. Called after 90 days from original request ( late XX/XX/XXXX ) and told loans were still in process. Was just advised today by a supervisor after being on hold for two hours and forty-five minutes that Mohela could not initiate the refund request because the loans were paid off through XXXX, not Mohela. This was the first time I received this information despite calling well over twenty times since original request was made on XX/XX/XXXX. I was directed to call XXXX. I contacted XXXX three times today, XX/XX/XXXX, and each time I call, I receive an automated response that my loans were transferred to Mohela, and I can press zero for further guidance. All three times the call was dropped. I filed the complaint with CFPB # XXXX and XXXX responded that this was Mohela 's XXXX, but Mohela claims the loans were paid off while they were serviced with XXXX, so Mohela isn't responsible. 

On XX/XX/XXXX, I filed complaint # XXXX against Mohela upon learning that Mohela was indeed responsible for initiating the refund request as my new servicer. On XX/XX/XXXX, Mohela responded to the CFPB complaint advising that my refund request had been processed as of XX/XX/XXXX. IT IS NOW XX/XX/XXXX, AND I HAVE YET TO RECEIVE MY COVID-19 REFUND.

Upon investigation from the Department of Education OMBUDSMAN, I learned today that the Department of Treasury has been ready to issue payment for 60 days but has yet to receive information requested from Mohela. That is completely unacceptable and Mohela must be held accountable for its gross failure in handling this matter for the past 9 months.
Consumer complaint received 2024-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MO)

For at least the past year or so, Citi Card has continually decreased my credit limit on both my Citi Rewards card as well as on my Aadvantage MileUp card in an apparent act of BALANCE XXXX, which has continually caused my overall credit utilization to report far higher than it actually is. Most recently, as of a few days ago, I made a large payment of {$7000.00} on my Citi Rewards card, that at the time had a credit limit of {$7800.00} only for Citi Card to process this payment and then lower my credit limit from {$7800.00} to just {$640.00}, although my XXXX XXXX has increased greatly since I opened the account and my overall credit utilization has lowered since I opened this account. There is no reason that my account should fall victim to Citi Card balance chasing my accounts. Citi Card is the only credit card account that I have that has engaged in this type of predatory lending and it continues to hurt my overall credit profile, due to no fault of my on. I have called and spoken to several representatives with Citi Card regarding this and they all give e vague response or the run-around only to offer no increase of my credit limit nor offer any solution. Citi Card is engaging in predatory lending by balance chasing both my Aadvantage MileUp Card as well as my Citi Rewards card that I have with them and I need it to stop and be reversed.
Consumer complaint received 2023-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Once again I received your XXXX letter denying my claim and to produce FHA denial letter XXXX me. This is my last request for Wells Fargo to provide FHA denial letter. I do not want your Wells Fargo 's summary as Wells Fargo can not be trusted because Wells Fargo is a common thief that have lured its employees to lie on its behalf. You do not have a FHA denial letter from the Government of the United States who gave you its money to keep homeowners in their homes, therefore you continue to dance around said issue as you can not produce FHA denial letter. If you do not settle with me for stealing my home/asset for {$570000.00}, I will have no choice but to hire a skilled attorney and Wells Fargo will pay said attorney 's fees. Please note truth challenged Wells Fargo XXXX XXXX XXXX, the money that the U.S. Government won on my behalf and others who have been hurt by Wells Fargo -- YOU ARE NOT PROTECTED FROM LIABILITY IF YOU CONTINUE TO LIE TO KEEP YOUR EMPLOYMENT. Have you no honor? Wells Fargo should refrain from commercials at {$7.00} XXXX a pop x 20 times on one network and pay back the money to the people you have stolen from. DISGUSTING.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (NY)

In XXXX of 2023 I sent all 3 credit bureaus as well as these creditors XXXX, XXXX XXXX, XXXX, AND XXXX XXXX XXXX . THE COMPANIES ARE REPORTING FALSE INFORMATION AND ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME. I ALSO SENT ALL 3 BUREAUS A LETTER IN REAGARDS TO FRAUD ADDRESSES, NAMES, AND EMPLOYMENT THAT ARE NOT MINE AND STILLIT SHOWS REPORTING. THIS IS CAUSING ALL 3 CREDIT BUREAUS TO REPORT FALSE INFORMATION THAT DOES NOT BELONG TO ME. I SENT THESE COMPANIES A LETTER, A COPY OF MY I.D, SS CARD, FTC REPORT, AND A LETTER STATING THAT THE ITEMS NEED TO BE BLOCKED AND REMOVED AND FOR THEM TO SEND ME THE STEPS ON HOW THEY CONFIRMED THAT THESE ACCOUNTS WERE MINE. THEY DID NOT DO SO ALL THEY SAID WAS IT WAS VERIFIED BUT DID NOT PROVE TO ME HOW. SO BY LAW PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) '' THESE ITEMS MUST BE REMOVED IMMEDIETLY. I AM THE CONSUMER AND I KNOW MY RIGHTS. THEY ARE BREAKING THE LAW
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$300.00}
Consumer complaint received 2024-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (LA)

I was taken XXXX XXXX XXXX XXXX which resulted in a bill. My insurance should have covered the visit, but my provider said there was no record of an XXXX I have been trying to get enough information to dispute it, but the debt collector can not provide any detail ans insists the bill must be paid in full. He refused to give me the origin of the bill and any information that could have been useful to dispute the debt and pushed it out of the view of surprise billing. Its a large bill that is affecting my credit score and the ability to obtain housing. And I need help
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

i think it was on XX/XX/XXXX that an unknown person took out a XXXX loan on my credit card and i am trying to just get a police number to write on the paperwork.
Consumer complaint received 2023-09-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I have contacted procollect multiple times via phone call and via electronic requests through the procollect website. they have not provided any information other than the total of my debt i allegedly owe and who filed it. XXXX XXXX XXXX was the company that filed the debt. They did not contact me prior to sending me to collections for the amount they are claiming I owe. In addition I have been contacted approximately XXXX2 times from phone number : XXXX ( XXXX ) XXXX, this occurred between XX/XX/XXXX and XX/XX/XXXX for this debt. Even after telling them I will be disputing it. They told me it was too late to dispute the debt and that they are considering it true and accurate.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.