davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

I have been having issues with Carrington Mortgage Services since XXXX of XXXX. Carrington keeps sending me letters that I have missed payments. I have records of every payment I have made to them. I have NEVER missed a payment since day one. I will send you everything. Every time I receive letter, I send copy of payment to prove it was paid. I have talked with everyone in that company and get a different answer every time with nothing ever being resolved. On XX/XX/XXXX, I received a certified letter from Carrington that I have not paid since XX/XX/XXXX and they are going to foreclose on my house. I don't no what to do at this point. I am going to attorney tomorrow but she said I should also contact you. The amount they say I owe is XXXX, which also keeps changing. Have never been charged a late fee. This company will not deal with you and now threatening forclose for no reason. Carrington 's number is XXXX. Address I will mail all documentation since there is a lot. Thank you
Consumer complaint received 2020-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On the day of the incident. I was alerted by XXXX via email that a purchase of {$3700.00}, XXXX XXXX  dollars was posted to my account. By this time the email was too late because the criminal had already taken the money by the time I noticed. 
I've promptly tried to contact immediately XXXX but they were only email-based and had them close/lock the account. At the same moment, I have phoned the committed fraud to Bank of America, where my money resides, to open a claim. Stating that I didn't authorize this transaction and had no idea it had happened until the email from XXXX was received while I was out for dinner that day. Afterward, I tried to file a phone police report to the county but was asked for a document from Bank of America to be sent over, saying something along the lines of there was a fraud committed and so forth, I mentioned the claim is was freshly opened and has not resolved, so I was turned away at that time. Fast forward to XX/XX/2020 the case opened by Bank of America was closed and was not in my favor which makes no sense whatsoever, because I wouldn't empty out my bank account in one day especially when the the account in question is used for mainly for bills and mortgage. The reason for the case being closed was because I used the site before, but even then I have never even made large purchases such as this. So now I'm just dumbfounded and XXXX. I called back to Bank of America and was put on hold for hours due to COVID submitted the police report again to reopen the case and it has been over 30 days since I did that with no word from Bank of America and they said over the phone they received the police report etc. So now here I am filing this complaint.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX MULTIPLE CONTACTS WITH LENDER AND CONTINUE TO RECEIVE RUN AROUND AND BEING TOLD TO CONTACT CREDIT BUREAU FOR REMOVAL OF LATE PAYMENTS
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

I started a mortgage refinance application on XX/XX/2020 with Amerisave Mortgage Corporation and gave them {$500.00}. 
I satisfactorily completed the application process during the next few weeks. My loan broker informed me that Amerisave required proof of income from my retirement accounts. He gave me directions as to the amount and how to have my financial advisor set up the distributions. This was verified by a letter from my financial advisor. 
I complied with all of his requirements and obtained my bank account statements showing the amounts deposited. I received an email on XX/XX/2020 declining my application. I spoke with my loan broker on the phone and he told me the reason I was declined was because I " had no history '' of deposits of this nature. Since I am very recently retired, there was no reason to have a history of deposits of this nature. 
There was never any attempt on the part of my loan broker to resolve any issues regarding my mortgage application. They continue to ignore my emails and my multiple requests to obtain a written document as to why my application was rejected. They also have refused to refund my {$500.00} application fee. 
I feel age ( XXXX ) discrimination has something to do with this mortgage rejection.
Consumer complaint received 2020-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX DOB : XX/XX/XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX BANK XXXX XXXX {$2000.00} Paid, closed Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$0.00} Paid, closed Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type XXXX XXXX Balance Loan Amount {$0.00} {$26000.00} XXXX XXXX XXXX {$2800.00} Paid, closed Account Info Account numberXXXX  Account status Closed Date openedXXXX XXXX, XXXX Account type XXXX XXXX Balance Loan Amount {$2800.00} {$16000.00} XXXX XXXX   OPENED XX/XX/XXXX XXXX {$960.00} XXXX XXXX XXXX   {$4600.00} 0 % paid off Account Info Account numberXXXX Date openedXXXX XXXX, XXXX Account type Education Loan Balance Loan Amount {$4600.00} XXXX XXXX XXXX {$1700.00} 0 % paid off 6 late payments Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Balance Loan Amount {$1700.00} {$1100.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Lease Balance Loan Amount {$3800.00} {$5100.00} Payment Info Status Charge-off Past due amount {$2200.00} XXXX XXXX   XXXX {$12000.00} Paid, closed 1 charge-off Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX Balance Loan Amount {$12000.00} XXXX XXXX XXXX {$0.00} Paid, closed Account Info Hover over labels for more details Account numberXXXX Account status Closed Date openedXXXX XXXX, XXXX Account type XXXX XXXX   Balance Loan Amount XXXX XXXXunavailable XXXX XXXX Original creditor : XXXX {$1500.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1500.00} {$1500.00} Payment Info Original loan amount {$1500.00} XXXX   XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$960.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Balance Loan Amount {$960.00} {$960.00} Payment Info Original loan amount {$960.00} XXXX XXXX XXXX XXXX XXXX Bankruptcy chapter XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court XXXX BKPT XXXX XXXX   XXXX.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TN)

I am in the middle of getting a home loan to buy my first house. After getting my three credit reports I see that bankruptcy is on there. I reached out to the bureaus and the bureaus got the information from XXXX XXXX. After speaking with XXXX XXXX my information was combined with someone else. This company continue to say verified as accurate. And thats false
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed Experian Report Number : XXXX XXXX  File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX  XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold a debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. 

also i recently found out i was involved in the data breach with XXXX  in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Preferred Collection and Management, Inc. (FL)

XXXX XXXX  HAS BEEN WORKING ON MY PROBLEM FOR MORE THAN 2 YEARS NOW, AND NOT GOTTEN ANY BETTER SINCE. IMY SCORE WAS OVER 620, WHEN I CHECK WITH XXXX XXXX A MONTH AND A HALF AGO AND IT WAS WELL OVER 620, AS OF TODAY IT, S XXXX. WHAT IS GOING ON. I NEED FOR SOMEONE TO FIX THIS NIGHTMERE.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion and XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, TransUnion, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, TransUnion and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and TransUnion stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I received a copy of my credit report. It showed 2  credit inquiries made by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX on XX/XX/XXXX and XX/XX/2018. I sent them a USPS Priority Letter disputing the inquiries. My letter was returned undeliverable RETURN to SENDER. These inquiries must be deleted.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/20, i noticed a charge on our card for XXXX  by merchant name '' XXXX XXXX XXXX XXXX '' XXXX FL XXXX XXXX. I called capital one to dispute this and they said they will look into this so they gave a temporary credit. Yesterday, we were charged again and when i called the fraud department, they told me they looked into it and it appears this merchant must have the credit card physically there and because our card has the chip, it can not be copied... We DID NOT MAKE THIS PURCHASE. we live over XXXX hour away from XXXX and we have not gone to XXXX in years! I asked Capital one to provide me with more details and they couldn't. I was just told that because of the chip in our card, it led them to believe this was not fraud. I asked what if this happens again? This is unfair to pay on a charge that we certainly didn't make and i was told that " hopefully it wont happen again ''. they also made a claim to me over the phone that i may have allowed someone other than my husband to use the card which IS NOT TRUE either. They said a letter will be mailed to our home which we have not received yet.
Consumer complaint received 2020-04-26
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. (NY)

103 claims true identity fraud/account fraudulently opened the original creditor for this fraudulent accounts listed XXXX  Report Number : XXXX XXXX  File Number : XXXX Account name : XXXX XXXX {$3500.00} Account Number : XXXX Date open XX/XX/XXXX Account name : XXXX XXXX XXXX Account number XXXX date opened XX/XX/XXXX Account name : XXXX XXXX {$1500.00} Account number XXXX i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these 2 creditors to validate that this is identity theft ..also when i got off the phone with XXXX XXXX about a day went by when my caller id said " SCAM LIKELY '' i answered it and it was call from XXXX XXXX XXXX i thought this was another fraudulent account but it turns out that XXXX XXXX sold XXXX debit to XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GAXXXX. also i recently found out i was involved in the data breach with Equifax in XXXX this is my FTC report number XXXX these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2019-09-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (WA)

Around XX/XX/2019, I went to the hospital. 
I have, since XX/XX/XXXX ( it is now XX/XX/XXXX ), received two to three calls a day from a debt collection agency, demanding the money for a bill I was never given. When I said that I had not received the bill ( I received a bill from the hospital, but this bill was for the physician - I never received a bill from the physician ), the debt collector on XX/XX/XXXX said, " I can confirm the last four digits of your social security number are xxxx, and this debt will seriously negatively affect your credit if you do not pay us back by XX/XX/XXXX. '' I have felt threatened, harassed, intimidated, judged, and, because of my age and lack of knowledge, discriminated against. I have been bullied, and refused information. I have been told " should haves '' when I ask questions. I " should have '' been given a bill. I " should have '' been informed about the physician policy. 
I can't afford the should haves, and, most importantly, I can't handle the stress of another phone call with these horrible, disgusting people.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

I opened a new Citi Bank checking account online XX/XX/2022. It was opened online and the banker informed me via phone that if I maintained above XXXX for XXXX days, I would recieve a XXXX bonus. I have maintained balance of XXXX since then. I have called Citi bank customer service XXXX times to resolve the problem. I get a different answer each time. The last customer service rep created a dispute ticket and said I would get an email notification the next day on status of dispute but have not recieved XXXX and that was XXXX weeks ago. 

Here is copy of email, I recieved on XX/XX/2022 after I opened checking account. 
Thank you for enrolling in the New to Citi Checking Cash Bonus Offer Thank you for choosing Citi for your banking needs, and congratulations on your enrollment in the New to Citi Checking Cash Bonus Offer. We hope youre enjoying your new Citi checking account. 

As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your XXXX checking account within XXXX  days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account for XXXX days from the XXXX day after account opening. * Balance XXXX Cash BonusXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more {XXXX
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (CA)

Before i called the us bank, i called XXXX, XXXX  XXXX, XXXX and XXXX XXXX  and they were more than happy tto defer payment up to 3 months .I have two U.S. Bank Skypass visa credit cards. On XX/XX/20, XXXX XXXX PST, I called to request for defer a payment due to coronavirus hardship. 
i talked to a CS rep lady and she was very sympathetic but couldn't help me much so i asked to speak to a supervisor. 
A guy name XXXX ( he did not give me any employee # when i asked ) answered. 

I can tell right away by his tone of voice he was annoyed to talk to me. I asked him for defer payment. He flat out said no. I asked why. He said its because its handle by skypass visa, not U.S. Bank. I said but I always pay to U.S. Bank. 
I asked him to push out the minimum payment amount to 1 or 2 months but he said no. It will keep accrued if you don't make a payment. 
Meaning if i don't pay {$100.00}, it will go up to {$20.00} and so on. 
I said but that's not how other banks offered. 
He kept saying about the skypass visa so I need to pay no matter what. 
i said i did not agree anything like that in terms and condition when i first got the cards. 
It was like talking to a brick. No matter what i said he didn't want to hear me and work with me. Either he wins collecting the money or he loose. 
I was never late or delinquent for 7 years until coronavirus pandamic. 
Why is he being such a jerk in this crazy pandamic time? 
Funny thing is one of my cards got deferred automatically. But not the other one. 
So its not actually up to skypass visa but its up to u.s. bank. 
And please show me the terms and conditions that i agreed on accrued defer payments.
Consumer complaint received 2020-01-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

To Whom It May Concern : This letter is regarding account, which you claim I owe {$2300.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (AR)

Had a home loan with Wells Fargo in XXXX but had declared bankruptcy. House was sold but Wells Fargo would not close on the sale until all equity in the home was used to pay interest fees on house. Went into bankruptcy in XX/XX/XXXX and house was sold in late XX/XX/XXXX but could not close until XXXX, XXXX because Wells Fargo held up the sale.