davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MA)

I filed bankruptcy at XX/XX/XXXX and i got discharge too but still XXXX shows on my credit report that i am late in my payment. XXXX XXXX was included in bankruptcy. i called XXXX couple times but they did n't fix it. give me a call if you have further question XXXX XXXX XXXX that is shows in my credit report Delinquent Account Lender XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX nullnull A lender reported that you did not pay them on time, and the account is now 30, 60, or 90 ( or more ) days late Reporting Detail Account Number XXXX Amount Delinquent {$0.00} Account Balance {$0.00} Payment Status Unknown Contact Method Other Got it
Consumer complaint received 2016-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MD)

I received a XXXX showing the cancellation of the balance with my creditor. I disputed the balance on my credit report because it was still showing the full balance when it should now show as zero. I received notification on XX/XX/2016 with a letter dated XX/XX/2016 that it was investigated and the balance was set to zero based on the info I provided. Then on XX/XX/2016, they changed the balance back to where it was before. No notification. I only found out because of a credit alert with another company. They also somehow changed my last name to a typo. Not sure where they got that information.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AZ)

I have an account showing as in Collection on my credit report. I have provided Equifax with copies of the cancelled checks ( 2 different times! ) showing that payment was made in full to this creditor in 2012. I received a confirmation number from Equifax. When I check my credit report, the Derogatory remark is still there. When I check with Equifax , their page says " .There are no pending disputes on your credit file at this time. ", and that there have been no disputes filed in the last 365 days. I have filed this same dispute twice.
Consumer complaint received 2015-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (WI)

I had a credit card account with my credit union XXXX XXXX XXXX XXXX XXXX ) opened in XXXX which they transferred to another lender as of XX/XX/XXXX ( XXXX XXXX - Cardmember Services ) .XXXX XXXX XXXX XXXX is misreporting the date account was opened, date account was closed, payment history and date of original delinquency. Based on original date of delinquency this should be out of the statute of limitations for reporting in my state at the XX/XX/XXXX. I have disputed with all XXXX bureaus and repeatedly disputed directly with XXXX XXXX XXXX. I provided copies of several months of statements to support my position, copies of correspondence, and copies of FTC opinion letters to get them to correct the entries on XXXX Equifax XXXX. I have received multiple responses claiming my request was frivolous or in error and that they will not correct this matter. 

XXXX XXXX agreed to remove the trade line from all XXXX of my major credit reports after my CFPB complaint XX/XX/XXXX. They contacted XXXX, Equifax , XXXX XX/XX/XXXX to have this removed. XXXX removed the tradeline per XXXX XXXX XXXXXXXX request but Equifax did not do so. I requested a new investigation and provided the letter from XXXX XXXX stating their intention to have the trade line deleted. Equifax did not remove or update anything based on that investigation and they are still reporting this negative account. I have requested this be corrected numerous times via direct disputes with Equifax and filed a previous complaint which provided no action.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MS)

I am requesting permission to file a XXXX XXXX Dollar Lawsuit against Equifax for actual and punitive damages, Offense : Discrimination : Malicious malice of Discrimination ( race ), which resulted in : Serious injuries of mental, emotional and financial harm. 
I have requested the name of the person whom placed these false inquires and this mortgage on my credit file and as of today XXXX XXXX, 2015. I have not received the person name or address. I seeking an immediate resolution to my credit file. It took some very malicious, XXXX person who works for Equifax, two minutes to place false an in accurate information on my credit file. I have received notice it will take at least 60 days to investigate my file. I am filing a lawsuit against Equifax in ( 5 ) days if all of these false inquires, mortgage information and old accounts are not removed immediately. Every day this false information remains on my credit file it is causing me emotional, mental and financial harm. Equifax you will not discriminate against the XXXX in this country by, deliberately placing false information on some ones credit file, in an intentional effort, to keep XXXX, credit score low. You will not ruin my chances to have adequate employment, low interest loans on automobiles, credit cards, etc. You will not deliberately sabotage and ruin my credit in order to ruin my chances of becoming a home owner, due to your racism. I have been a victim of discrimination, race, and the victim of racism. Equifax you have committed a crime. Discrimination in the United States is a crime and is punishable for up to 25 years in prison. What you have done to my credit was intentional malice to cause me XXXX, XXXX and financial harm due to the XXXX. And everyday those false inquires and that mortgage remains on my credit file is causing me emotional, mental and financial harm. You have ( 5 ) days to remove all of those inquires, that mortgage that does not exist, and all of those old accounts off of my credit file. And place all of those XXXX points back onto my credit score. Every day you are causing me XXXX, XXXX and financial harm. And you will pay for everyday that false information remains on my credit file. You have ( 5 ) days to remove those false inquires, the mortgage that does not exist and all of those old accounts from my credit file. It took some XXXX person two minutes to place this false information on my credit file. It should only take two minutes to take it off. 
CC : United States Department of Justice, United States Department of Consumer Affairs, XXXX., United States Federal Attorney Generals Office , XXXX . United States Department of Housing, States Attorney General Office, XXXX, XXXX, United States FBI, NAACP, National Black Action Coalition and the Federal Division of the EEOC.
Consumer complaint received 2016-02-23
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC. (CA)

They call XXXX times a day and then call my co-signer each time after. I 've submitted a cease and desist letter and they came back to tell me that it does n't apply to my state. To top it off, they harass me by doing a credit pull through Experian and read over the items on my credit report and challenge me on how I was able to pay the minimum on my XXXX XXXX ( {$25.00} ) and not my loan ( {$1200.00} ). 

I 've been out of a job for 6 months and keep having to explain to them that but they DO NOT STOP the harassing calls. 

XXXX ( XXXX ) XXXX is the number they call me from, who call themselves NAVIENT and I called back one time and the representative answered saying " EZ loans '' NAVIENT claims to have an in-house collections department who is " not '' supposedly a third-party however there is fradulent activity here as they are underwriting loans and collecting for NAVIENT and call themselves a non-3rd party. 

Moreover, they CAN NOT pull my report each time without my consent however they do. I 've asked for permission to record my phone calls with them and each time they decline and hang up the phone. 

Please please please please look into this matter.
Consumer complaint received 2015-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (PA)

I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.
Consumer complaint received 2016-08-10
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

I used PayPal to invoice a client. The client was expecting to see my business name on the charge statement, and only saw PayPals. The client requested a charge back due to confusion about the charge, then reversed the charge back. PayPal staff today admitted that the charge back had been reversed and that they have had the funds since XXXX XXXX, 2016, however they failed to disclosed or report this to me for over a month per their user agreement. Instead, multiple parties and actions from PayPal have led me to believe they had no information about the funds. ( If there is a hold or a reserve, they are still supposed to disclose that they have the funds ). PayPal has urged me to invoice the client twice, urged me to pay my clients bill, shuttered my account, failed to review the exhibits I submitted in a timely manner, and are having their collection department call me about funds they already know that they have, and are withholding from my account. They have taken up many hours of my time and required me to offer concessions to the other party involved in the transaction. My impression is that PayPals internal process and the information they provide to consumers is intentionally limited and confusing, and has been designed this way to generate duplicate payments and fees for PayPal.
Consumer complaint received 2024-10-23
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/year>, I looked into my Bank of America mobile app to find that there have been fraudulent charges made on my Bank of America credit card. I disputed the transaction using the app but the app stated that I had to call their call center to dispute the charges and get a new credit card issued. I am currently overseas in XXXX on a longer term work assignment and I am unable to return to the United States. 

I have tried contacting Bank of America on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to try and get this sorted out. On some days there were multiple attempt to reach the call center. Unfortunately, because I no longer have a US number due to the fact that XXXX XXXX XXXX XXXX XXXX I was not able to pass their security checks. I consistently asked if there was another way to verify, for example, in the past, I have been able to verify through the use of an authentication code by email which I would read out to the call centre staff. Every call centre staff told me this was not an option made available when they looked into my account. Instead, they asked me to either visit a Bank of America branch in XXXX to be verified so that they can action or to use " XXXX '' ( Bank of America 's automated messaging system within the mobile app ). 

From the beginning, I have tried XXXX but it is unable to connect me to a number while XXXX XXXX XXXX so that method failed. On XX/XX/XXXX, when I contacted staff at Bank of America in XXXX, they said that they only serve corporate clients and do not deal with retail credit card customers. 

The lady in XXXX who goes by the name of " XXXX '' told me that they have been inundated with Bank of America credit card customers with accounts in the United States who have contacted them but they are unable to carry out verification or help retail clients. They have tried to tell the US call centres to stop advising XXXX customers to approach the Bank of America branches in XXXX but the calls to XXXX branch keep coming. 

XXXX and I jointly conferenced called Bank of America 's fraud call centre. Despite the fact that their own member of staff in XXXX kept telling the call centre that the XXXX branch is unable to verify retail customers, it bizarrely fell on deaf ears and the advice from the call centre was to contact the XXXX branch to see if they can help. The whole conference call was totally bizarre. 

On XX/XX/XXXX, I managed to reach someone who stated his name was " XXXX '' and he was a call centre supervisor. He told me that there is nothing they can do. 

I need to quickly address the fraudulent charges on my credit card and without any means of addressing fraud, Bank of America has left me in a risky situation where I am unable to do anything to prevent fraud. I am sure they are failing in their obligations to protect customers in situations of fraud.
Consumer complaint received 2015-11-13
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Flagstar Bank, N.A. (CT)

I applied for the FHA Streamline Refinance because I was looking to lower my fixed rate mortgage from 4.75 % to 3.5-4.25 % fixed. I called and spoke with XXXX XXXX in the Direct Lending Department. I advised him I am a former beneficiary of the Federal Emergency Home Loan Program and the FHA HAMP. At first I asked him if Flagstar Bank would subordinate to XXXX XXXX who had already preapproved me for a lower rate ; however, XXXX said that I could get a lower rate through Flagstar. XXXX XXXX had made me believe that it would be worth pursuing an FHA Streamline Refinance. Ultimately he said I do not qualify because they could only offer me a rate of 4.68 % because of my credit. Since my rate is currently at 4.75 % they would not reduce it to 4.68 % because it is too small of a change. I have been current on my mortgage since XX/XX/XXXX or XX/XX/2011 yet Flagstar still did a " Lockout '' on my house. They changed the deadbolt lock on me and have yet to reimburse me so I can put a new lock in which they do not have a key for. I do not have the key to the deadbolt lock currently on my door.
Consumer complaint received 2016-06-07
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION (VA)

Was unable to make payments on a loan I took out with Check-N-Go, due to illness. The account was sent to XXXX and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.
Consumer complaint received 2016-05-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2016 XXXX XXXX from Wells Fargo Branch : XXXX XXXX XXXX XXXX. XXXX, CA, XXXX : XXXX. XXXX singlehandedly placed a hold on my account for an unnamed and illegitimate reason and withheld pertinent information regarding the hold on my account. SHe said I needed to call my Wells Fargo credit card company to get the hold uplifted and she said she had no power or control over the matter. I spoke with XXXX WF reps who all said XXXX was the point of contact I needed to speak with in order to get the unjust hold lifted. She is refusing to cooperate and is intentionally telling me incorrect information regarding my bank account. She has frozen my funds and I am unable to use my money in my bank accounts. This is illegal.
Consumer complaint received 2016-03-11
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: EXPERT GLOBAL SOLUTIONS, INC. (CO)

Re : SST Loan Servicing This loan was transfered from another financial institution. Title loan on vehicle purchase was paid off in XXXX 2016. I still have not received the release of lien so I can title the vehicle in XXXX XXXX as of this date, XXXX XXXX, 2016. I have been given inaccurate and false information by various sources, dates of alleged mailings and incorrect mailing addresses when I tried to verify why I had n't received my paperwork.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I used cashapp to send and receive money from people I know. An individual paid me {$100.00} through cashapp and XXXX weeks later on XX/XX/XXXX filed a dispute with his bank on that XXXX. He has done many transactions with me before. He is scaming me out of the money by lying to his bank that the transaction was not intentional. Cashapp automatically started the refund process without checking with me. I reached out to their support and they said there is nothing they can do.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NV)

Hello, A subscriber of Experian, XXXX or XXXX XXXX, assumed my note management from XXXX XXXX Home Loans, and began the process of receiving and processing my monthly payments. In conversations and with staff at XXXX that have consistently reported my account in the default by a minimum of 30 days, though records reviewed by my broker and attorney note the account to be in current status. Similar actions in false and inaccurate reporting have been noted by the CFPB, as well as in litigation against the subscriber, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, et XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX v. XXXX XXXX. 

I ask Experian that the inaccurate information be removed as their subscriber has failed to respond. Thank you.
Consumer complaint received 2016-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AL)

XXXX XXXX, XXXX I was the XXXX involved in a XXXX. On XXXX XXXX, XXXX I was XXXX. I have been incarcerated since. The cessation of my sentence is rapidly approaching as I prepare to regain my freedom and life back. During the past 4 years my personal checking and savings account with Wells Fargo went into a dormant state. Due to no activity on my account the remaining funds, also that included my last XXXX paychecks and income tax return was depleted from my account. After contacting Wells Fargo and explaining my situation I was told there is NOTHING they can do to retrieve my funds. I am writing you today respectfully requesting assistance resolving with this matter. Thank you!
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (OH)

I was laid off from XXXX XX/XX/2010. XXXX of XXXX, Ohio solicited me to have my payments lowered I had no debt other than the house. I did not qualify for any plans, so HH mortgage company foreclosed. I sought legal help and forced to retire. XXXX told me to move on and not hold this against the HUD agency and to just move. I 've thousands of hours of working with private and government agency 's. Now I 'm old and ca n't do as much and still at square one with 15 years of my life gone and no hope for a life as a.
Consumer complaint received 2016-10-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (PA)

I have asked Wells Fargo repeatedly to refund the forced place insurance on my rental property, and again they are still charging me, this time another {$740.00}, this has been going on for years. How do I get my money back?
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IN)

I was on wells Fargo mortgage assistance program for one year and at the begining of the program I was 3 months behind on payments By the end of the year I was 5 months behind and I made every payment and now they are foreclosing I have proof of making every payment during that year. But they still say I 'm 5 months behind. Is n't this a predatory loan?
Consumer complaint received 2015-08-23
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (WI)

They call my house every hour starting at XXXX and quit at XXXX then they call my cell phone I have explained to them that my husband passed away on XXXX XXXX He worked in XXXX And did XXXX years in the XXXX Before we got Married we were Married XXXX years when he passed! It is taking time to find out if I even qualify for any spouse benefits from over there I am to young to collect benefits here I have to be XXXX i have XXXX years yet but calling me XXXX days a week XXXX times a day is n't going to get the XXXX government to do any of their decision any faster!