davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying for years to modify an excessively high interest mortgage loan will Wells Fargo Bank, 7.4 %, however, the bank is a predatory lender and will not modify the loan on a permanent basis. I became ill and was unable to work for 2 years. I was forced to move in with my mother and rent my home for {$2400.00} a month which did not cover the mortgage of {$3900.00}. My mother paid the difference. I returned to work last month, XXXX 2017, and immediately started the modification process. My income dropped by over 50 % and I was told by Wells Fargo representative that I should qualify for the modification due to my circumstances. 
I was advised yesterday, XX/XX/XXXX, that Wells Fargo could not reduce my monthly payment. 
I contacted Wells Fargo executive office who provided details of the denial saying my income is not high enough for a " piggyback " approach. 
Again, Wells Fargo is trying to capitalize on their customer 's hardship. My home has equity and they offered a short sale which would benefit the bank. Please help, they are absolutely the worst lender. XXXX
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

Called to try and settle debt and the agent that was speaking to put a coworker on the phone to pretend to be the operations manager and started yelling and getting rude and demanding that I pay today or else so I ask to speak with his boss and he refused and told me that only person I was going to speak with was him and because of how I 'm going about things to be prepared to pay more money and begin to laugh and then he hung up in my face.
Consumer complaint received 2015-08-20
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (VA)

They have continued to call me and make threats that they are going to put this debt on my credit report even though I still have not gotten anything from them in the mail on who I owe and amount. They offer to text it to me with a link on it and I refused that. I have asked several times for them to mail it to me. I have yet to receive anything. Now when they call they hang up on me as soon as I answer and when I call back they have the same recording that they will transfer the call it rings and then disconnects so I ca n't get this supposed collection agency 's name. One total me Capital Billing and one total me Capital Accounts. I have never been called by the same number. They are all different area codes and phone numbers. I submitted a complaint already on XXXX. I wanted to add to it since a new number called but I did n't see that option. That complaint number is XXXX
Consumer complaint received 2017-09-08
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. (MI)

This complaint is in regards to the EQUIFAX data breach just announced. This is unacceptable in this day in age and has caused unwarranted and excessive strain/stress on me due to their careless and negligent behaviour and practices. I demand this be investigated and they be held accountable to highest extent of the law for this failure to protect my sensitive information.
Consumer complaint received 2016-06-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (FL)

I sent the company a letter requesting validation of the debt. This was sent at the beginning of XXXX. To this date the company has not sent evidence that this debt is mine nor that I am responsible for payment. Today, I received a phone call for the company attempting to collect the debt again.
Consumer complaint received 2017-02-23
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Integrated Recovery Services (PA)

A company called integrated services calls my cell and work place about a loan that I believe that I have paid in full from over a year ago. They have made claims that I committed fraud and other outlandish accusations. I asked them to send me proof of what they say that I owe to them and they have never done so. I asked that they stop calling my job and if they intend to file the lawsuit, to do so but stop harassing me about a debt that I do n't even think that I owe. I have had individuals call using profanity and making threats that are going to cause me to lose my job, file court proceedings, garnish my wages and so on ... I 've tried to explain to then that I do not think I owe them anymore money but I 'm willing to look at the documentation and if I 'm wrong I 'll pay you your money. They refuse to honor any of my request and continue to contact my employer and have left messages on my boss 's phone with details about this matter.
Consumer complaint received 2017-09-08
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. (GA)

Equifax 's inadequate security of MY DATA has lead myself to be at significant financial and personal risk. They have been hacked and my address, name, SSN, credit card numbers have been exposed to the dark web, and they did n't notify us until a MONTH LATER! The executives sell off stock before announcing it to keep their own money, while we are the ones put in serious turmoil. Absolutely horrific failure.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is reporting a tax lien from the XXXX of Georgia in error. The XXXX of Georgia shows I do not have a tax debt listed with them. The TransUnion report shows a lien placed in 2007, however I did not live in Georgia that year. I filed a complaint that the lien was placed in error but TransUnion said it was validated without offering any proof as to how they validated with the XXXX of Georgia in a few days investigation. The Georgia revenue office says they do not validate debts with credit bureaus and do not report anything to credit reporting agencies. I would like this public record removed from my credit report.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (IL)

In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-02-24
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: American Credit Acceptance, LLC (NC)

I purchased a XXXX XXXX and financed through American Credit Acceptance. XXXX or XX/XX/2015 I had to have the transmission repaired for the second time the 1st time the warranty covered the second time they would n't so I had to find a mechanic to do the job.in doing so and after all the charges it totalled over XXXX almost XXXX I could not afford that kind of money up front and they was n't willing to work with me so they kept my car and filed a lien on it. So now American credit acceptance is saying they repossessed the car when they Did n't and they also have messed my credit up serverly and refuse towork with me or talk to me in a professional manor to remedy this. I would really like them to please remove the charge off/repo from my credit when they have not phyisaclly repoed the car but actually lied to the credit bureaus and stated they have. Please help.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (NY)

'XXXX XXXX XXXX XXXX XXXX company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me. 

Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX XXXX claims they no longer have any information for me on file.
Consumer complaint received 2018-09-13
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (NC)

I received a phone call from XXXX XXXX on XX/XX/XXXX in an attempt to collect a debt in the amount of {$630.00}. 

On XX/XX/XXXX, I requested two months of forbearance on my loans because I lost my full-time job. These were granted with no issues, and I was not informed of any restrictions moving forward on using the rest of my forbearance months ( XX/XX/XXXX remaining ). 

I do not have a full-time job, and my monthly income is {$1800.00} ( I work three part-time jobs ). I am unable to afford my fixed expenses ( {$2400.00} ) in full so I attempted to speak with XXXX about using some forbearance while I tried to catch up. However, they informed me that 9 monthly payments must be made in between the use of forbearance before another 2 months can be used. 

This is the first I've heard of these stipulations. I am behind on this loan and if I have 10 months of forbearance, it would be helpful to be able to use it since this is why it exists. I'm working on pulling up my promissory note from when I originally signed the loan with Citibank in XXXX ( XXXX now services Citibank 's loans ) because I don't believe I was ever informed of us. If I was, I would have potentially reconsidered using the forbearance some months ago. 

This aside, XXXX was unable to work with me any further on. Is this what it's come to? If people can't make a payment, they just push you into a bigger hole of debt?
Consumer complaint received 2016-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Management Services, LP (MO)

Cap Mgmt Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called Cap Mgmt. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by Cap Mgmt.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Santander Consumer USA Holdings Inc. ()

I opted for voluntary termination of my car finance with Santander in XXXX. I have checked my credit score and it says my account has been seriously in arrears and gone into default as well as it saying the account has been closed. I was informed that voluntary termination should not affect credit score as written in legislation. I have emailed santander but received no reply as of yet. I have never missed a payment for any loans or finance in all of my credit history. I think this is unfair and needs to be amended
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account XXXX : XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (IA)

On XX/XX/XXXX, Equifax the credit bureau, discovered a data breach that compromised my information which includes but is not limited to my name, social security number, credit score, etc. Despite this breach affecting not only me but 150 million other Americans, we only became aware of it in early XXXX 2017. 150 million americans experienced identity theft and for almost 2 months none of us knew. Add to that their CEO 's made sure to sell their stocks before hand.
Consumer complaint received 2017-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

As a result of the data break at Equifax, my personal financial information has been compromised, and I no longer know who has access to my most sensitive data. Equifax did NOTHING to notify me of this, and I had to learn through mass media channels MONTHS after the initial breach. 

This is simply unacceptable. Equifax has put both me and my family at risk. And the worst part is that I do n't know the extent to which we are endangered.
Consumer complaint received 2017-09-08
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)

Both my wife and I and all are credit information, SS #, address, emails, etc were hacked due to Equifax 's poor security. They waited a month and a half to come forward. Their executives also sold stock and gained financial profit do to insider trading before the companies stock crashed when the breach was exsposed.
Consumer complaint received 2016-06-07
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit & Collection Recovery Services, Inc. (AL)

A debt collection company Known as Credit & Collection Recovery Services, INC. also known as CCRS called me and was very rude and harassed me. The lady said her name was XXXX a case manager. They said I have XXXX accounts that I need to pay today or legal actions will be taken out on me including getting my local law enforcement involved. I just hung up on this call. The account number they did provide me is for XXXX.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (SC)

I had a personal company check double cashed the first time by my ex wife ( XXXX ). I let Wells Fargo know I had done a mobile deposit of the check and ex wife took the physical check and redeposited it. Wells offered me a new account and told me it would not happen again. I let them know she may have other physical checks where I mobile deposited them. Wells assured me that with a new account, new card protection etc this would not happen. A year later another check from a vendor XXXX deposited in my name was returned to my account since she no longer banked with Wells Fargo. I contacted her bank and let them know of the fraud ( XXXX ) who indicated the check did not come back to them ( She undersigned her name ). Wells refused to look into the matter, claimed I should have destroyed the check again which I did not have access to and had explained they said I was protected. The check was in my name but she deposited via ATM into XXXX. The vendor ( XXXX ) wrote a letter also asked Wells to look into the matter and correct it. I have spent over a YEAR trying to get funds back Wells took from my account that was not supposed to happen again.
Consumer complaint received 2017-09-08
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. (MO)

On XX/XX/XXXX Equifax announced a massive data breach. I went to their website to check if I was affected in the breach. While going through the process, Equifax asked me to agree to Terms & Conditions requiring me to waive my right to a class action lawsuit. This is a disingenuous practice on behalf of Equifax. Their systems were breached, so they should be responsible for monitoring my credit while also remaining responsible for any legal penalties assessed by the US legal system. I should not be required to waive that right.

Furthermore, they were negligent in their data management practices. A breach of critical information for nearly every credit using individual in the US is unacceptable. This amounts to criminal negligence.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (KS)

Equifax exposed my data without my consent and without informing me for more than 30+ days. The company has offered limited 1-year credit monitoring through their own services, which were already owned. This is the worst possible mitigation. They have exposed me to fraud, identity theft and problems for the rest of my life.
Consumer complaint received 2017-02-24
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IL)

I am filling a complaint once again because Chase keeps prolonging my loan. I have filed a complaint on XXXX/XXXX/2016 with the CFPB. However my concerns have not been properly addressed by Chase. I was told by my assigned specialist XXXX XXXX that my loan was not eligible for a modification I questioned him why in the decision packet, my wives income was not considered.Chase has my monthly income of {$0.00}. This is not acceptable because I provided my chase bank statements for proof and my wife 's pay stubs. However Chase refuses to review my loan with my current income. At this point I will be force to involve the FDIC and my Attorney General XXXX XXXX so they can start an investigation against Chase. I am tired of the excuses Chase keeps giving me I am falling more behind instead of them trying to find a resolution so I can start making my mortgage payments. Again, they are not providing me with a reasonable explanation as to why they are using {$0.00} income. This is against my rights and they are not giving me a fair review. I could have been assisted already, but in every review they keep using {$00.00} income. I just want a logical explanation and I can provide any proof of income. My wife works XXXX, why would a XXXX lie that she works there? she has even given the mortgage company permission to call and verify her employment, but they continue to deny us. I need help and hopefully they provide a reasonable explanation through the CFPB.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX, Equifax announced that over 140 million of their customers had had their personal and financial information stolen. They released a site which allowed you to check if you were one of those affected by this breach. Upon checking my status, Equifax informed me that my data was most likely compromised. This is a massive security failure by a company who 's primary service is to maintain and secure extremely important private information.
Consumer complaint received 2017-09-08
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. (GA)

Equifax is trying to trick people into giving up their right to sue them when they go to their website to see if their financial information was compromised by the hack. When customers go to see if their information has been compromised, they give up their right to sue. This is very shady. Please see article below for addtional information " If you do choose to sign up for the credit monitoring service, you must agree to submit any complaints against Equifax to arbitration. You ca n't sue on your own behalf, and you ca n't join a class-action case or benefit from any class-action settlement that Equifax agrees to. '' XXXX XXXX XXXXXXXX
Consumer complaint received 2017-07-31
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. (MS)

I have contacted Equifax on 3 different dates to remove inquires on my credit report that i did not authorize which would be fraud. I have asked them to validate these inquiries according to FCRA. They have not. These inquires are from XX/XX/XXXX to XX/XX/XXXX.