davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Countrywide used a bait and switch at the time of the Mortgage signing and split the loan into XXXX loans. Countrywide went out of business partially because of their illegal practices. Bank of America took over the XXXX loans and they are calling the smaller loan an EQUITY LOAN. It is not an Equity loan and never was. After four years of disputing - what they call an equity loan - they finally Modified the loan with the same terms of teh original illegal loan. How is this legal? Because they are calling it an equity loan, they will not modify it the same way the modified the first loan. Bank of America is using the illegal terms of the COUNTYWIDE LOAN to make us pay all the interest they caused by delaying the modification for four years.
Consumer complaint received 2016-04-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I called up Equifax and told them I can not get my credit report from annual credit report and would like to file a dispute.They told me to fax my driver license and SSN card which I did and inspite of calling them up after 48 hours they inform me that did not recieve the fax where as the fax report clearly says delivered.
Consumer complaint received 2020-12-05
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. (FL)

I've been calling and calling this credit bureau about these fraudulent accounts on my credit report and still nothing. I am a victim of Identify theft. I reached out to the creditors and they direct me to reach out to the bureaus. I think I've been getting the run around and i am tired of it. The credit bureaus told me to get an FTC report and I did. I have attached it below
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (MN)

I had fraudulent charges made on an account I used to have with well 's Fargo, ( XXXX XXXX XXXX, MN location ). I disputed the charges with the bank, but they never resolved the issue and claimer they believed I made the charges. I even filed a police report about the charges, and contacted the MN XXXX, but Well 's Fargo responded over and over claiming they believed I made the charges. They also put this as a negative mark against my credit score and had a debt collection agency contacting me. The debit card claim number for my dispute over this ordeal is XXXX. A total of {$3400.00}. 

I felt like I had nowhere else to turn, until I recently found out about the CFPB. I have the copy of the police report, and copies of the report I made to the MN XXXX, along with the response letters from Well 's Fargo.
Consumer complaint received 2017-01-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have a second loan with Ocwen who referred my loan to a debt collector XXXX XXXX. I had been trying to do a short sale on my home because I can not afford to keep it and since the first loan is getting a complete pay off the representative from XXXX will NOT release my debt unless they too get paid in full. Ocwen has refused to talk to me and they keep on referring me back to XXXX. I have asked XXXX to show me proof of debt with them BUT they just keep on giving me the run around. Please help me move forward with the sale of a home that I can not keep and I do not want it to go into foreclosure. Ocwen # XXXX per XXXX customer service because OCWEN will NOT talk to me, XXXX ref. I.D # XXXX
Consumer complaint received 2019-04-10
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: EQUIFAX, INC. (GA)

I recently reviewed my credit report and found unauthorized inquiries. 
NO proof I initiated such inquiries, nor written authorization Remove these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.I was informed by creditors that you should remove. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer  reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

MDS reported a medical debt with XXXX hospital to the bureaus. I did not give them permission to share this info, violation of XXXX. I paid the debt to creditor. I faxed proof of payment, I sent proof of payment registered mail. I disputed the amount with the credit bureaus that it was paid, and this company still confirmed to the bureaus that it is still owed when it is not. Violation of FDCPA, FCRA and HiPPA. Totally unacceptable.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

I opened an account in store with the promotion of zero interest for 12 months in the month of XXXX. I proceeded to create an online account on XX/XX/XXXX so that I could make a payment since I had not yet received my first statement yet. I made a payment of {$40.00} on XX/XX/19 to cover my minimum payment of {$27.00} due XX/XX/19. I then logged in again on or about XX/XX/19 to see that my account is marked past due. I reached out through the message center to inquire and was advised the following : Thank you for your recent inquiry regarding your XXXX Mastercard account, and the opportunity to be of service to you. Please note that you have been approved for a late fee waiver. Once your account has billed, you will either see the fee was reversed or the fee was not applied to your account. We received your payment on XX/XX/2019 in the amount of {$40.00}. Payments in excess of the minimum due received on or before your statement close date of XXXX, are applied to the previous months billing, and not credited to the current payment due. We do not have the option of prepaying the minimum payment due before the new bill generates. Please make a payment after your statement close date to avoid a late payment fee, and to keep your account in good standing. Please submit your current minimum amount due of {$27.00} at your earliest convenience. So I called and responded asking what was due month prior to be advised " nothing, you opened your account '' additionally that my " promotion '' had not been applied to my account and they could not assist my beyond collection until I paid my past due amount of {$78.00}, I tried to explain not past due to no avail and was not able to get the situation rectified unless I paid that amount, which I did not due since it was not due. I paid {$40.00}, over the monthly min. of {$27.00} and should not have to jump through hoops because the promotion I also want to make sure that my credit report is not affected.
Consumer complaint received 2019-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

In XXXX Sallie Mae decides to switch to another third-party service or however I had agreement already set in place for settlement to pay around {$130.00} a month for a settlement of XXXX and some change with the previous third-party services. I have already paid XXXX of that and I was in constant communication with the previous third-party. Sallie Mae is now trying to renege on that agreement for settlement theywill not work with me to negotiate a better price than what they are trying to offer now With the new third-party service. The The current servicer is stating that Sallie Mae is denying my quote request to continue the settlement already had in place.Currently Im only able to afford XXXX as agreed-upon and It is unfair that they would try to Reneged on the agreement of settlement and try to charge me more. They are cracks and they are not honest even the new the third-party vendor was willing to work with me as far as keeping the same Agreement and settlement.However when I call Sallie Mae it was denied.
Consumer complaint received 2016-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I refinanced my mortgage loan that was with Bank of America XX/XX/2016. My loan was paid in full on XX/XX/2016 by new lender. Bank of America has provided any documents regarding this pay off or has failed to send me deed of trust document and most important to is my Escrow refund. Every time I called they say that they have mailed my check in amount of such but to this date I have not received anything. They said to put stop payment on the one they mailed and send me another check by express mail but that has not happened yet and now it is XX/XX/XXXX. 
They failed to refund my escrow money and no action has been taken to resolve this issue by them. 
I had made one extra payment while refinancing was being processed to be current on my payment date so that it does n't affect my credit score. They have not refunded me that either.
Consumer complaint received 2016-12-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XXXX XXXX refused to correct incorrect information it continues to furnish to credit agencies regarding a credit card account I closed in XXXX. XXXX XXXX reports an open XXXX XXXX Credit Card with a Revolving Account, an overdue balance, a status of past due, and missed payments. I did open an account with XXXX XXXX briefly on XXXX XXXX, XXXX, but I never made any payments on this account or used it in anyway and I closed the account in XXXX XXXX. XXXX XXXX kept this account open by mistake and mistakenly charged a {$23.00} administrative fee, despite that I had already closed the account and completed all payments. I was able to work with a customer service representative at XXXX XXXX and confirm the account was closed, and since XXXX, I have discussed this matter with other Customer Service representatives over the years, and they have confirmed that the account is closed and no payments are due. I have never received any notice of this account or any bill since XXXX. Yet XXXX XXXX continues to provide incorrect information about this account to Credit Reporting Agencies. This negative information is damaging my credit score. My negative credit score is impacting the rate at which I am able to obtain various loans and causing additional monthly payments.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion continues to report an inaccurate account status on a closed XXXX CARD revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Transunion is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Transunion has failed to update with the correct information or delete the account since it 's closed and outdated.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (UT)

I was denied a credit card and I opened a dispute with the credit reporting agency ( XXXX XXXX, XXXX ). The information on the report is for a Chapter XXXX bankruptcy that I filed on XXXX/XXXX/XXXX in connection with a car loan. The XXXX only negative item on all XXXX credit reports is this item and is only on from this reporting agency all other entries ( XXXX reporting agencies ) involved with my XXXX XXXX were removed after the seven year period. I uploaded supporting documents from bank that had the car loan and a letter stating my explanation for the dispute and a letter denying me a credit card. I uploaded the supporting documents three days after the date of filing the dispute as per there directions. A decision was made not to change my credit report prior to them receiving supporting documents or reading my letter of explanation. I spent many hours locating the papers to sent and to write and to upload them. Nothing was said about the documents in their response nor was there time for them to read them their decision was made prior to them receiving the papers. It never communicated that they even received them it was on my end though.The process was very hard for the average non-computer savvy person but I took them to work and had the secretary send them no PDF converter at my home computer. I have copies of previous credit reports from this agency that states this item will be removed in XX/XX/XXXX. The newest report states XX/XX/XXXX for this single item from this reporting agency only.
Consumer complaint received 2020-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MI)

Chase was unreachable by chat or phone after numerous attempts on multiple days. Its website said this was because of the COVID-19 pandemic, which Chase had apparently not adequately prepared for. 

On XX/XX/2020, I requested by secure message for Chase to close the credit card immediately. Chase did not do so, and instead said my request was referred to the fraud department. 

On XX/XX/2020, I again requested by secure message for Chase to close the credit card immediately. Chase did not do so, and again said my request was referred to the fraud department. 

As of XX/XX/2020, the credit card is still open. The credit card has a {$0.00} balance, has always had a {$0.00} balance, and all the fraud department can do in case of fraud is close the account anyway so I don't know why the account is still open. Chase provided no explanation of why requesting the closure of a {$0.00} balance credit card is fraud. I requested the account to be closed through secure messaging after logging into the account, with " secure '' messaging suggesting that Chase believes this method of communication is secure. 

I have the following request of Chase, which is the same as my previous requests : Close account immediately. 

I should not have to make a dozen attempts over two months to close an account with no balance. I have no credit card statements I can attach to this complaint because Chase has not generated any. Chase has not generated any because there has never been activity posted to this credit card.
Consumer complaint received 2020-05-31
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: CONTRACT CALLERS INC (CA)

1. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report. 
2. The following account is not mine XXXX  XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. The following account is not mine XXXX XXXX Account Number :  XXXX Please remove it from my credit report. 
5. The following account is not mine XXXX  XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
6. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report 7. The following account is not mine XXXX  XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX  XXXX XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report 9. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/2019 Please remove it from my credit report 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Inquiries on my TransUnion report were removed and re added to my report without notice or explanation. 
NAME OF COMPANY : INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NY)

My Paypal has almost {$78000.00}. Paypal decided to put limitations with my account on XX/XX/2020. And they sent me email says I need to provide the information about two transactions, and I provided the information to them, then they told my my account is frozen for 180 days, after 180 days I may withdraw the money. I logged into my paypal during this period, and the money was still there, but today I tried to login, and the password is changed, I reset my password and logged in my paypal, I see all my money were taken and send directly to paypals own account, and says its for covering the paypal damages, total money were taken in two transactions, one with {$52000.00} one with {$24000.00}. This is a lot of money, I do not have any history of chargebacks with all the transactions, but they told me im violated and money held for 180days and now took everything away! I need help.
Consumer complaint received 2020-11-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OR)

Every time we refinance with a company, they sell our mortgage to another company. This is the third time this has happened. Our mortgage company is Rocket mortgage. They did not give us the 30 days notice and now we have to deal with a company that is not reputable and that company is freedom mortgage. This has happened with XXXX XXXX, XXXX, and now Rocket Mortgage. Is there anything we can do at this time to stop them from selling the mortgage?
Consumer complaint received 2016-09-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Last 2009 when I was stationed in XXXX for the XXXX XXXX I bought a XXXX through financing from a dealership there and I have no idea that they charged the sales tax under my name. And take Note the truck has already been paid off a long time ago.I called the Department of Revenue of the State of Georgia and they told me that it has already been Cancelled/Withdrawn, they gave me a copy of the Document and I will include the copy on this Complaint. I went to check of their site The Department of Revenue State of Georgia to check if my name is on their Delinquent Tax Payers List and i Screenshot the result of my search and i will too include it here. 
Now my concern is it is still showing on my credit reports with the Experian, XXXX and XXXX and it really affects my credit score. 
I hope you guys can help me sort out things regarding the matter.
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ASSOCIATED BANC-CORP (WI)

On XXXX I closed all my accounts with Associted Bank a total of 3 accounts. They are trying to reopen our accounts because there were some debts that were taken out of the account XXXX. That were not authorized. These accounts are Closed no more transactions should be happening.
Consumer complaint received 2020-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (OH)

I applied for what I thought was a payday loan for {$1000.00}. I have paid already a little over {$1200.00} back. They take {$300.00} out of my check every two weeks. I called this morning to find out I still owe a little over {$1500.00}. They stated I signed up to pay over 20 payments of {$300.00} for a total of over {$6000.00}. It is XXXX percent loan. I would have never signed up for that. I also thought it was illegal to do so in Ohio. I needed a temporary loan to pay my rent. I thought today would have been my final payment. Now I see I owe more and have over 16 {$300.00} payments left. I did have them stop taking money out of my account going forward. This can't be legal. I have more than paid this loan back and now they may come after me for thousands of dollars during a pandemic. Is this legal? I also noticed I can't even get another loan. When you try to go back and apply it states they are no longer doing loans. Please help!!!