davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

Equifax has not verified XXXX, XXXX XXXX, or XXXX XXXX XXXX, because if they did then they are breaking the FCRA by not making sure my information is correct. First, I HAVE NEVER LIVED OR DONE BUSINESS IN XXXX VIRGINIA!!!! Second, XXXX is not mine but this was XXXX in a settlement be the company XXXX hired. Lastly XXXX XXXX is not mine. All XXXX of these companies have said there is an ongoing investigation with no results as of XXXX XXXX. Look, in all honesty I want this to stay out of the courts but if Equifax continues 30 days after they receive my certified letter then my lawyer is prepared to file the paperwork to sue Equifax for damages and the full losses of my company. I have been trying to give Equifax an honest chance to do a proper investigation but we are down to the wire and I will not wait a day longer then I have too. I guess you can take this is a notification of intent to sue. All I want is a fair investigation like I got with XXXX.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.
Consumer complaint received 2017-01-30
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

In using BoA bill pay service, bank checks were not delivered to a BoA branch because the address had changed, and were not recreditted to my account until three months later. This is BoA 's stated practice, probably prevalent at other major banks. Meanwhile, with this practice, BoA adds to its liquidity crediting funds in transit, violating international central banking norms.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In reference to CFPB ID XXXX. Experian and the XX/XX/year> update info after my dispute was investigated. I wish, if you XXXX, see how many times I filed a dispute about this XXXX XXXX for the same action. I have a freeze on my credit bureau accts. If I need to unfreeze them you need to inform me to do so. Another negative acct activity is a collection agency XXXX is for XXXX XXXX card services from my previous account with them. Status states XXXX XXXX {$1600.00} written off. I paid that account as well, when I received my first pymnt for SSI/SSD. And it was not negotiated for reduction because my XXXX and XXXX XXXX XXXX is who helped me get the XXXX XXXX card. Also the place I took it for deposit. If you can see my prior disputes I suspect you will find I have tried many times to get factual information replaced by negative action on Experian part. The negative XXXX  XXXX information is for a card I received application for from XXXX XXXX itself, without that XXXX XXXX, I applied and was approved. I still have a nasty letter I received from XXXX XXXX accusing me of wrong doing to receive the card and closed it suddenly in a very unethical manner. I know I have disputed XXXX  XXXX information of my history on my credit reports ( XXXX and Experian ) more than once.
Consumer complaint received 2017-01-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

My loan was sold to Carrington morgage from XXXX XXXX XXXX in XXXX XXXX. We were already behind on 2 payments before Carrington took over my morgage. We never revived anything from Carrington about the change so I called them myself and explained that I 'm trying to catch up on my payments then couple day 's later I received a welcome packet. Every document had wrong dates going back as far as XXXX!! I have been calling them for weeks now even spoke to several supervisors all say something different. All I wanted was to be put on a repayment plan so I can save my home for my children. One supervisor put me on a payment plan and I made sure I asked is it in the notes so when we call in others will see it? Yes he said. Called in to make a payment and sure enough I got no you ca n't we need two full payments before we can take any payment. Then spoke to another supervisor and they said they can put me on a promise to pay and again asked him about the notes and even explained what happened with the last situation and he reassured me that he notated everything and when I tried to call in tonight to make a payment they wo n't accept again even though I 'm explaining everything to them but now this time they said I need to make a 2 full payments. I 'm 3 months behind ( I 'm still checking into that to make sure it is correct since all dates are wrong on the forms they sent and I made a payment to XXXX XXXX XXXX in XXXX XXXX ) I owe under {$3000.00} and would have it paid off by XXXX XXXX. I 'm not sure how Carrington morgage keeps customer 's they are suppose to help your situation not make it worse. They do n't make you feel like a wanted customer and no one knows you situation I got transferred all over the place and no one bothered to look in the notes but they could see who I spoke with. All I want to do is pay my morgage payments to get caught up and since I 'm new to this company you think they would be more helpful or maybe I 'm not getting to speak with the right person. I just hope this can be resolved soon because coming up soon I will be 4 payments behind almost seems like that 's what they want.
Consumer complaint received 2016-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (GA)

I had filed a claim with Wells Fargo Bank about a mysterious {$2300.00} that was debited out of my account on XXXX/XXXX/2015. They closed my claim and never gave me back my money. On XXXX/XXXX/2015, I went in to get a cashier 's check for an entertainment lawyer retainer to start a record label. The check was for {$2500.00}. I got this because I did n't feel safe walking through downtown XXXX with that much cash. I DID NOT withdraw {$2300.00} two minutes later according to my bank statement. I DID NOT want to carry that much cash around with me and filed my claim 28 days later when it was discovered on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received a letter from Wells Fargo stating that my claim was closed. I still have not started my record label over a year later because the money that Wells Fargo took and never gave back, was supposed to be for filing my " XXXX '' XXXX.
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (DC)

On XXXX XXXX, 2015, I purchased XXXX shirts at Macy 's and was asked if I wanted their credit card, which I agreed to apply for. I also ordered a suitcase and canceled the order and never picked up the suitcase. On XXXX 2015, I received a bill from Macy 's that stated I was late with my monthly payment. I called them to tell them that I had never received the credit card and that the charge for the suitcase ( that I canceled ) was still on the bill. I also told them that I could not register to make a payment on their website and was informed that I had to activate the credit card ( which I never received ) in order to open an online account with them. I tried several times to resolve the issue via phone without success. Finally I told them I wanted to make a payment ( for the merchandise I purchase ) via phone and paid for the XXXX shirts I purchased. I then told them that I had never received the credit card and wanted to cancel the account. I was told by the Macy 's phone representative that I had to pay the interest and that the account would not be closed until I made payment. I explained to them that what I was being charged for ( all interest ) was not a fair business practice because I had never received the card. Recently I received a notice from a collection agency that I had to make payment. I also received a notice from the U.S. Office of Personnel Management ( OPM ) Cybersecurity Resource Center informing me that I had a negative flag on my credit because of the Macy 's account. This has greatly negatively affected my credit score and credit standing in general. I am being charged {$330.00} ( all interest ) for a debt that resulted because of Macys ' incompetent handling of my credit card account. Not one cent of the amount that Macy 's states I owe is for merchandise. I do not believe that Macy 's should be ruining my credit because of their unscrupulous business practices. I am a government civil servant who has much to lose credit wise and employment wise because of this situation. I would greatly appreciate any help that the CFPB could provide me to settle this matter.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Van Ru Credit Corporation (NC)

i found out XX/XX/2016 -13 years later that I had a student loan with XXXX and that it was in default. XXXX turned it over to Van Ru which started harassing and threatening calls. when I tried to find out about the loan and why it was so old they told me I had to write in as they would not respond to emails. I have been mailing them almost 8 months to find out where the money is going they are taking out of my check but they do not respond. they send me a court order and used USA funds letter head. I would really like to know where the money is going and how it is being applied to my 13 year old loan that I did not even know about.
Consumer complaint received 2016-10-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK (AL)

Basically I was given a private student loan from Discover of around {$37000.00} for about XXXX semesters ( XXXX summer plus a full year ) of film school with the XXXX XXXX XXXX University. When it came time to get another loan for my second full year of XXXX, Discover informed me that they were no longer doing business with my school and that they would not be able to give me another loan. Because of this, my Dad had to go into debt by getting a parent plus loan for my second year and after that I was unable to continue attending the school. I was able to earn an XXXX degree but not the full XXXX degree. Now I am barely able to find work and I have had to get in even more debt pursuing other degrees to keep from paying back unimaginable loan debt. I do n't mind paying back my federal loans, but my private loan has now soared to more than {$53000.00} ( For ONE year of XXXX ) with current payments of {$570.00} a month. I 'm not sure who ( other than myself ) is more responsible for my current debt, Discover or the XXXX XXXX XXXX University but either way I was duped ( at age XXXX ) into an enormous amount of debt that will be impossible for me to pay off. My biggest concern with Discover is that had my Dad not taken out that additional loan, I would not have been able to do even more than one year of XXXX and how would I be able to pay back anyone without the benefit of an actual degree? This does not seem right and I would simply like a review of both my loan and my former school to determine if any fraud was applied to my situation. Thank you for taking the time to assist me with this matter.
Consumer complaint received 2017-03-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I have written Wells Fargo requesting them to provide me the details of the legal fees that have been added to my mortgage account of XXXX, XXXX property. As you will note, I have been dealing with this matter since I discovered in my mortgage account and Wells Fargo made several internal inquiries and researches on this and concluded that their charge of {$4100.00} legal fees will be in my mortgage and would not change it. They further confirmed to me that they will not give me the detail accounting/invoices and name of the WF attorney regarding the city 's complaint of code violation at my properties because according to them, these are confidential. WF also repeatedly claimed that they received summons from the city of XXXX and would not give me a copy of the summons because it is non-existent since as the owner of the property, I should also be receiving such summon but I did not because I do not have a case against the city for the XXXX property. We wasted a lot of time and I am asking you to resolve this matter to remove this amount from my mortgage account and relieve me from this financial XXXX and XXXX. The city record does not reflect any written communication between WF attorney and the city officials. In XX/XX/2012, I had communication with a WF attorney who threatened to foreclose my property if I do not completely satisfy the city when he knew that the city has been harassing me for a long time. I am attaching a declaration from XXXX in support of my claim how the city financially ruin me and make a victim of XXXX. I communicated with the same WF Atty. requesting his help to get XXXX 's approval of new electrical service as I already got approval from the city of XXXX but his response was his not going to help me but in fact waiting to foreclose my property if I miss the deadline. WF never informed me why they hired an attorney.
Consumer complaint received 2016-08-31
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Direct Recovery Services, LLC (UT)

Direct Recovery Services ph # XXXX XXXX XXXX reps name XXXX XXXX called me I spoke with him told him I am working with a company to consolidate my debts he just hung up on me then called my mothers phone and stated that if I do n't call him back I will be in more trouble then I ever have been in my life then he called my partners phone 4 times and my phone 4 more times I told him to cease and desist all calls and he told me I better watch out then he hung up on me
Consumer complaint received 2016-06-15
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Select Portfolio Servicing is a debt collector who claims to have seized my home in year 2004. I still reside in said home. I am a veteran XXXX being bullied by this company. Repeatedly sending the local Sheriff to my home and posting foreclosure papers. I did not ever receive a loan from this company. The company they claim to be collecting for is XXXX XXXX which is no longer in the loan business. I believe the statute of limitations is expired on their debt claim. There are discrepancies in the tax records on said property they are claiming to seize.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

Hi, I just attempted to obtain a free copy of my credit report from Equifax online, using the official website listed by the FTC ( XXXX ). I was able to get to the Equifax free report website and provided all the requested information. Without any explanation ( i.e., no message that my information was incorrect ), the site directed me to fill out a paper form and send it by traditional mail. The paper form required a lot of additional personal information that is not required for obtaining an online report. By doing this, I believe that Equifax is attempting to circumvent the free online service that it is required to provide. Please look into this issue. 
Thanks.
Consumer complaint received 2016-10-17
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I just found out that there are XXXX liens on my primary residence by a creditor named citizens bank national association. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this citizens bank is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

On XXXX/XXXX/XXXX I submitted a complaint with Equifax regarding inquiries that I do not recall authorizing. Equifax always answers with the same standard response that it is my responsibility to contact the creditor to address this matter. This is a TOTAL contradiction to Equifax previous actions because records will show that Equifax has recently removed inquiries from my credit report without informing me that it is my responsibility to contact the creditor. The following inquiries I request to be investigated. I also request for the name of the Equifax Representative that conducted the investigation and the name of the person of behalf of the Creditor they spoke to confirm that the inquire was legitimate. If it was determined that the inquire was legitimate I am requesting Equifax to send me a copy of the documents used so I can verify it 's validity. 

Please note that some of the same inquiries were displayed on my XXXX and XXXX credit report and removed. 
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 ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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 2016-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Finance System of Richmond, Inc. (AL)

On XX/XX/2016 I started the process to get a debt from Finance Systems of Richmond validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX IN XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and not marking my credit reports as be disputed, they have broken two federal laws. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Finance Systems of Richmond and can provide them if need be.
Consumer complaint received 2017-01-31
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

A medical Debt owed to XXXX in the original amount of {$930.00} after comprehensive insurance was incurred on XX/XX/XXXX. This debt was paid in full to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX as a part of XXXX medical bills paid in full that day to XXXX. During XX/XX/XXXX, Attorney XXXX XXXX, representing XXXX, on her letterhead from the exact address as XXXX, sent a letter to me demanding payment of the same debt, same creditor, incurred on same date, in the same amount of {$930.00}. Said letter offered me the opportunity to pay to avoid being sued. My husband immediately negotiated a settlement of the debt in the amount of {$650.00} assuming this was a different medical bill. Upon reviewing our financial paperwork before filing our taxes, I discovered that he had in fact paid the same bill on two separate occasions, once onXX/XX/XXXX and again on XX/XX/XXXX. It is the exact same debt and XXXX, through the efforts of Attorney XXXX, who, in full possession of the complete file and collection data and spreadsheets, knowingly and maliciously collected the money twice. They are now refusing any of our attempts to contact them and settle this matter.