davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I have been disputing XXXX loan companies that have used my information without my authorization. XXXX XXXX XXXX has issued a loan to someone who is not me in the amount of XXXX. XXXX XXXX XXXX issued an unauthorized loan in my name for XXXX. I have never received any monies from said companies nor have I made any payments towards the fraudulent loans. Neither of those loans are authorized by me. Despite numerous correspondence, Equifax continue to list the fraudulent accounts on the credit report. I have provided sufficient evidence that I have a victim of identity theft ( Victim 's copy of police report, Identity theft affidavit, XXXX XXXX XXXX statement proving that the loans was sent to a FRAUDULENT account in my name ). I have opened several disputes with the Equifax company to no avail. XXXX and XXXX have both removed the fraudulent loans. Any assistance with this matter will be greatly appreciated. Please forward any documentation requests you may have.
Consumer complaint received 2016-09-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (VA)

Real Time Solution a debt collection agency is attempting to collect on a 2nd Mortgage ( Home Equity Line of Credit ) on a mortgage initially established with XXXX XXXX XXXX. The mortgage was a conventionally mortgage with a XXXX split. As a result of the XXXX XXXX XXXX experienced XX/XX/XXXX the properties went into Foreclosure XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX who bought XXXX allowed the mortgage to go into foreclosure and I have been severely Financial Damage with a XXXX Credit Rating ever since this happen.. I attempted a loan modification on the original loan ( 1st Mortgage with XXXX XXXX XXXX but they mess up and delayed the modification and the homes went into Foreclosure. XXXX XXXX XXXX charged off the loans, and then XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX and attempted to collect on the debt which was charged off by XXXX XXXX also, then XXXX tried collecting on the Debt and eventually charged off the debt. Now Real Time Solutions is doing the same. The financial structure established by XXXX has been haunting me since XX/XX/XXXX. 
The action of XXXX XXXX further harm and destroyed my Credit Rating. The home equity line of credit was a form of creative financing so I could get a loan that I did n't qualify for and funds I did n't receive. When the property was Foreclosed on by XXXX XXXX XXXX, I lost everything. 
The property was located in XXXX XXXX SC which is not my current address.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

Please Please Help Me Copies enclosed. 
Barclays Bank Delaware extremely stressful going on. 
Numerous Numerous call ( hang ups mostly ) record on cell phone. 
Rep no knowledge of banking procedure As you will see they credited the {$790.00} check to husband account on XX/XX/XXXX On XX/XX/XXXX they transfer to my account ( we both have accounts ) Now my accounts shows {$310.00} Credit ) Why would they apply this to my account when I did not owe {$790.00}? Why Awful banking right there. 
On my husband account they are saying payment due-his due date is XXXX/XXXX/XXXX I paid XXXX on XXXX/XXXX/XXXX so how is a payment Past Due! Come on Barclays Charged interest on XXXX/XXXX/XXXX {$14.00} I have been with this credit some years never this much game playing! 
They are reporting negative information on credit report 30 day late I have never complain about what I felt unfair or unethical with there procedures However, I would now like to see Barclays Bank Treat me as a rel customer. 
Apply the {$310.00} credit to the account they took from.Also remove any negative information from husband report. 
As can see Barclays all people are human. 
Barclay this was very costly for us! Could not purchase home Due to trying desparley to bring down debt ratio. 
Your failure to apply money in time. 
Barclay please do the right thing and correct this error. 
Thanks
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK (FL)

In XX/XX/XXXX, I purchased a laptop on XXXX, using XXXX, and the purchased was funded through my Discover Credit Card. I had a warranty issue with the laptop, but I was not able to contact the original merchant. I started a Purchase Protection Claim, and was never informed I was out of the date range for the claim to be valid until XX/XX/XXXX. After no contact from Discover, I issued a chargeback through Discover, and they did an investigation. They asked that I return the item per XXXX 's request, and provide proof of return. I did so on XX/XX/XXXX, at XXXX. I had called Discover at around XXXX the same day to confirm the adress was correct with the representative, asking if this was the required step to move forward - she confirmed both. A month later, I was then informed that I was outside of the range of time, and that nothing could be done about the missing money or laptop sent back at their request. I 've spoken with their executive resolution department, and was told the charge was valid and that their investigation showed no such request to mail the laptop back, which is not true, as reviewing the call from XX/XX/XXXX ( and a week prior ) should confirm. 

I have also put in a complaint with the BBB ( unresolved ), and the Florida Attorney General.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (CA)

Equifax is allowing an account that has been previously deleted be reinserted on my credit report. Account XXXX was paid and removed from my credit report in XX/XX/2015. Account had since then been reinserted as a collection account. Account is also past the statue of limitations in which it can report. Please remove account XXXX from my credit report immediately and do not allow account to be inserted again. Thank you.
Consumer complaint received 2016-10-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (NE)

Subsequent to a complaint filed with your agency against Bank of the West, my account has been charged {$230.00} in junk fees. I have attached a copy of the running figures on account ending in XXXX. On XXXX XXXX, 2016 the account as a positive {$7.00}, then without explanation fees in the amount of {$62.00}, {$30.00}, {$70.00} and {$70.00} were charged bringing it to a negative {$210.00}.
Consumer complaint received 2016-10-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Consumer Real Estate Finance Co. ()

Our Loan Officer, XXXX XXXX, Mortgage Consultant XXXX # XXXX, with Consumer Real Estate Finance Company. 
Has been more than usual rude, disrespectful, condescending, non-communicative, etc .... with us the clients, as well as with our Agent. 
Our agent called us a few days ago to inform us about his behavior with her. 
We informed her that he does have a tendency to sound and act unprofessional. 
So today, I was confused about a email we received and wanted to asks him a question and he exploded on me with his condescending manner and he basically said do n't call me I will call you if I wish to.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

The subservicing company I pay my mortgage to recently changed. 
I had been working really hard to find out how to do it. It felt like not providing me with the necessary or helpful information was intentional as time passed. I actually learned facts that were essential for the process from a friend. I was planning to have an appraisal done ( with XXXX XXXX XXXX XXXX ) to cancel the PMI when I was notified of the change. The new company, LoanCare, LLC is ignoring all my requests. They say they did n't receive my initial email request and subsequent emails are bounced back as undeliverable. I have yet to speak with anyone but a receptionist who disconnects calls when transferring to insurance dept. They say all over their website that multiple inquires may prolong the process. Yet the process never starts. I believe this is intentional. I 'm sure XXXX people like myself are eligible for PMI termination. But this is free money for them so OF COURSE they do n't want anyone to cancel it early, never mind helping them to do it by providing information. 
I am really really angry. I HAVE NO CHOICE about who I pay my mortgage to. And they know it and treat their customers like garbage.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Sklar Law LLC (NJ)

No court showed any judgments. Judgment was removed off credit report on XXXX XXXX. I did n't even know a judgment existed! Was never even notified! They wiped out my bank account and took 100 % of my money. I was on a payment plan with Sklar Law. I had a baby and told them due to FMLA, it was not paid. I contacted them in XXXX XXXX and temporarily stopped my repay plan with them agreeing i would return. In XXXX XXXX, i went back to work and called to restart my repay plan. They denied and hung up on me. I called in XX/XX/XXXX, same issue, they denied to restart my repay. Never told me anything on any judgment, nor did i ever get any mail. i hired XXXX to help my credit, then all of a sudden, Sklar Law took my money a few months later. I called again on XXXX XXXX, XXXX and was cursed at and huung up on 7 times! I called the court administrator and she said they never told her i was on a repay plan. After numerous calls, they finally admitted that i was on a repay and stopped it. The court administrator supervisor said she was going to call me. Due to XXXX, i had to leave the apartment complex i was in.
Consumer complaint received 2016-05-03
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I submitted a dated written statement that described the emergency, specifically modified the waiting period from three days to two hours with my signature as the sole primary liable on the legal obligation in accordance with 12 CFR 1026.19 ( f ) ( 1 ) ( iv ) " Consumer 's waiver of waiting period before consummation '' to Navy Federal Credit Union regarding mortgage loan XXXX. Navy Federal Credit Union refused to recognize my legal right to modify the waiting period resulting in the fruition of the emergency I was trying to avoid. Their refusal to acknowledge my consumer right directly resulted in a bona fide personal financial emergency coming to fruition.
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

I have been receiving emails about ATM receipts and Store transaction records from Wells Fargo ( WF ) but I do not have an account with them. This has been happening for about 3 years, I went to a WF office in XXXX, Virginia with printed emails to ask about these but they said there were no accounts under my name. I used to have a home mortgage and I believe a checking account that only lived for a short period. I do n't believe my credit report shows any accounts currently open with Wells Fargo but since I just found out about a scheme at WF were they were opening fake accounts for customers I have decided to report this since I do n't want my name associated to money laundering of whatever that scheme could be called.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

I ordered somethings from abroad and they were delivered by XXXX. Later they sent a letter saying that i had to pay a duty of {$20.00}. As i was abroad, i returned and sent them a check already on XX/XX/XXXX ( Using first class mail ). Later I saw that, on XX/XX/XXXX, they cashed my check so I was quite.
Last Friday, XX/XX/XXXX, I received a letter from " Transworld Systems Inc '', says My Original Invoice was {$20.00} with a collection fee of {$2.00}, comes to a total of {$23.00} and that they are collecting on behalf of XXXX. As it was the weekend, I could n't call anyone to verify it. So i waited till Monday XX/XX/XXXX. I was about to check their website listed on the letter www.transworldpayments.com and saw that it was a fake website which was down. Later, I called XXXX and someone picked up and asked me for the File number ( XXXX ) and I gave it to her. Later she says I own them {$23.00} on behalf of XXXX and they are trying to collect. Her accent was clear that she was not from US so I asked, where is your office located so that i could XXXX, she is saying, in her exact words " Sorry, You ca n't ask our office address ''. When i asked why, she replied " Because I am a US Legal Citizen. '' Then I said I was asking for the address of her office, she said No she will not disclose it. When I asked to talk to a supervisor, she said, " you are wasting my time and hung up ''. 

Then immediately I called XXXX and asked them about my file ( Invoice No XXXX ) and they said that MY ACCOUNT WAS PAID IN FULL and I do n't owe them anything and they are NOT trying to collect anything. I was to have this on the record before they try to damage my credit.
Consumer complaint received 2017-02-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (FL)

In XXXX of XXXX, I obtained a loan for a XXXX XXXX XXXX thru Wells Fargo. I, like many other people lost my job in XXXX XXXX, XXXX. I did what I could here and there never really getting an actual full time job about a full year later. I refinancedvthe car just 6 months later thinking it would benifit me in thelong run. I was a stupid kid and got completely taken in the finance office because I was on unemployment and desperate. I did everything I could to keep this car and paid it in good standing, until I couldnt do it anymore in XXXX XXXX. I called them and they told me a " A VOLUNTARY SURRENDER IN MUCH BETTER THAN A REPOSSESION ''. I told them where the car was and at that time I owed a little more than XXXX. They auctioned the car for XXXX. They told me it would come off the balance. Then one day tgey transferred tge debt to a different part of Wells Fargo and suddenly I owe XXXX. They have been REAGING MY DEBT for a very long time and have cost me ManyLoan and credit decisions. It has cost me Much Higher credit. Please help! I believe it is 100 % Bad Ethics collections and has been for a long time. Thank you very much for any helpor guidance in advance.
Consumer complaint received 2017-03-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Carrington Mortgage is reporting incorrect information to the credit bureaus. They have failed to correct my account balance and are still reporting an incorrect balance and that I am 30-60 days late on my mortgage and that I owe them money. I do not. I paid my XXXX payment on XX/XX/XXXX because they said they could n't get the money because I did n't put the correct account number which I know I did. I paid my XXXX payment on XX/XX/XXXX. Carrington Mortgage knowingly and unlawfully are not reporting the correct information to the credit bureaus. I believe this is intentional behavior.
Consumer complaint received 2017-09-18
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. (OH)

Equifax allowed my credit information to be breached due to improper security protocol. This required me to freeze my credit as well as paying all 3 of the credit reporting agencies ( $ XXXX/each - including, inappropriately to Equifax themselves ) to put this freeze on my information. 

Not only was Equifax negligent in their security protocol, they also did not disclose this breach of information for over a month.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I would like to see Congress take strong steps to protect consumers from data breaches such as the recent Equifax breach. These breaches are becoming common with costs borne by consumers and the offending companies bearing little responsibility. My family was affected by the recent Equifax date breach and it has been frustrating, difficult and expensive to freeze our credit. XXXX in particular views seems to view this incident as an opportunity to enrich themselves with difficult and costly procedures to freeze credit. When we need to unfreeze our credit we will be faced with additional fees. It is time for Congress to act on behalf of the American people.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Innovis (GA)

CBCInnovis was asked to forward me immediately my Tri-merge credit report in its entirety, per loan application for refinance of my beautiful home here in XXXX, GA. 
TO-DATE its been over 3 weeks since requesting my Tri-merge credit report to use as evidence against XXXX, XXXX, and XXXX in Federal Discriminatory complaint for suppression, compromise, delays, altering, false reporting of balances to suppress credit scores. See what both CFPB, XXXX XXXX XXXX XXXX do n't understand, number one, I 'm in control of my XXXX  credit file, and I 'm pending over XXXX XXXX dollars in entitlements, upon receiving proceeds, I 'm going to find the badest XXXX Consumer attorney to sue all listed here, each party will have their General Counsel department to try to reach out and offer a settlement, but no can DO, {>= $1,000,000} LAWSUIT for Discriminatory Practice, look at XXXX, you DODO Birds, you 've been dishonest with XXXX Consumers, you 've been Discriminative toward XXXX Consumer, but look at you know DUMBBELL. See I tried to tell each agency list in this complaint, as an professional I use to receive the XXXX XXXX XXXX report, XXXX reports , XXXX XXXX XXXX XXXX credit reports of consumers, I know how to read the Fair Issac modal and other modals so who 's the XXXX  DODO bird here, its not me. CBCInnovis you folks are a joke, you are not STOPPING me from doing business, I see what 's being done with the XXXX suppression and delaying of corrections to my credit report. Now CFPB I went up against others, XXXX XXXX XXXX in XXXX, it equated into {$110000.00} Principle FORGIVENESS, thanks to XXXX XXXX, XXXX XXXX, and the one and only Beautiful XXXX XXXX ( D ) CA, listening to and studying the POWER of the LAW, it will yield a profit, so CFPB, if its the Feds position to get in bed with XXXX XXXX XXXX XXXX to further attempt, and notice I SAID, Attempt to suppress my credit report to try to STOP me as an XXXX Consumer the right to create, control and maintain a Powerful Buying Authority as an Consumer. I 'm a Fighter, I legally FIGHT BACK!
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (OH)

I received a collections letter from Credit Collection Services on XXXX/XXXX/XXXX stating that I owed an overdue debt in the amount of {$210.00} for a XXXX XXXX account. I immediately disputed the debt in writing on XXXX/XXXX/XXXX. This item is on my credit report as a negative item and is preventing me from purchasing a house. I do not have any knowledge of this account, never received any prior documentation, nor have I ever had any services by XXXX XXXX.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

The XXXX data breach and the need to check everything to prevent theft of my information has been OVERWHELMING for me! According to XXXX 's website " Potential Impact '' my information may be impacted ( or XXXX ) might be more appropriate. I have been unable to put a fraud alert or freeze with any of the 3 credit bureaus, as apparently no websites can handle the volume of people trying to do the same. We are all just XXXX, right?
Consumer complaint received 2017-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Colony Brands, Inc. (MI)

I have been paying XXXX XXXX and XXXX XXXX online catalog companies which are the /same company just 2 different divisions. I contacted XXXX XXXX spoke with a CSR, and explained I had been ill and that 's what put me behind in payments, but promised to make a payment of on each of my accounts XXXX XXXX and XXXX XXXX on XX/XX/XXXX XXXX to each one. CSR AGREED WITH THESE TERMS AND SAID I WAS GOOD. ON XX/XX/XXXX I MADE EACH XXXX DOLLAR PAYMENT AS PROMISED 2 DAYS LATER XX/XX/XXXX I BEGIN RECIEVING CALLS FROM A COLLECTION AGENCY. I EXPLAINED TO COLLECTION AGENC I AM MAKING PAYENTS TO XXXX XXXX DIRECTL AND PLEASE STOP CALLING ME AND CONTACT XXXX XXXX THEMSELVES. I THEN CALLED XXXX XXXX CONTACTED CREDIT DEPARTMENT EXPLAINED I WILL ONLY PAY ONE COMPAN NOT THEM AND A COLLECTIONS AGENCY THE CSR REP SAID JUST KEEP PAYING US AND THEY REFUSE TO ASK COLLECTION COMPANY TO STOP ALL ACTIONS AGAINST ME OR CALLING ME. I WAS TOLD BY CSR REP AT XXXX XXXX AS LONG AS I KEEP PAYING THEM I WILL BE OK/ 3 DAYS LATER XX/XX/XXXX I RECEIVED EMAIL ALTER THAT XXXX PLACED 2 CHARGE OFF ACCOUNTS TO MY CREDIT REPORTS FOR ALL 3 CREDIT COMPANIES. IF THIS IS WHAT THEY WERE INTENDING TO DO THEN THEY HAD EVER OPPORTUNITY TO SA THAT OVER PHONE WHEN WE TALKED. BUT THET NEVER ONCED SAID ANYTHING.
Consumer complaint received 2017-09-17
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 (OH)

I contacted Target Target/td XXXX XXXX, SD XXXX ( XXXX ) XXXX On X/XX/2017, and reported fraud to Target regarding a hard inquiry made by someone who stole my identity. They noted the fraud and confirmed it but have still not removed the hard inquiry from my credit as required by law and even though they, nearly a month ago, confirmed it was fraud. It is adversely impacting my credit.
Consumer complaint received 2017-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

XXXX XXXX ( now Navient ) offered me to consolidate my loans. I accepted but when Congress passed the law to allow the student loan forgiveness programs, I called them to ask if I would qualify for it since I worked for a XXXX XXXX XXXX. They told me that after 120 on time payments I would. Now that I made the 120 payments, they said that because my consolidation was under the Smart Loan Consolidation and not a Direct Loan Consolidation I did not qualify. I was given deceiving information to prevent for obtaining the public service loan forgiveness program.