davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

There is a fraudulent collection on my account. I asked them to remove it three times already and the last time I asked was XX/XX/2021. There response was it falls under the fair credit reporting act. I have the original document from the creditor I obtain from a lawyer and it has different address, payment amount, name and phone number then whats on my credit report. I submitted new documents and they used a report from earlier in the month to justify the new document I provided.
Consumer complaint received 2021-03-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (AR)

On XXXX i was contacted by Loan Depot coercing me into refinacing my then va mortgage with XXXX XXXX XXXX XXXX I reluctantly agreed to refinace with a closing date of XXXX. On XXXX my wife suffered a catastrophic XXXX and entered a XXXX facility on XXXX. This involved medicaid which among there rules is one home. I needed to scale down finacially, medically and mentally. My home was put on the market. I had a buyer and a closing date of XXXX. I used my life saving to by a small 2 bedroom mobile home on XXXX. I completely moved. On XXXX my real estate agent informed me there was a lien on the home and had a unmarketable title/deed. This lien had been on file since 2012. Unknown to me at all. How did Loan Depot refinace my home when there was a lien on it filed in circuit court in XX/XX/XXXX? They never disclosed it to me at anytime. Loan Depot then transferred the debt to my current mortgager XXXX loan services. Again no mention of a lien or unmarketable deed. This illegal activity on there part has cost me my life savings as well as what was left of my health. I am still in the home i had sold and even lost the sell even though after all this i couldnt afford closing cost again anyway. Please help me understand why and how this happened
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

All my accounts emails phone numbers along with my personal information have been compromised. this is urgent matter attention to all credit consumer local and national involving the following person me ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX last four of my social XXXX only contact number i approve is to XXXX XXXX at the number XXXX this is the only person approved to be contacted in this matter.
Consumer complaint received 2021-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

My problem is with coinbase. Case # XXXX - Lost phone. 

I lost my phone in a taxi and promptly reported it lost with coinbase on XX/XX/2021. Per their policy it would take 10 business days for them to verify my new phone and unlock my account. I followed all steps as detailed on their website to restore access. They never contacted me. I have wrote customer service and the only response I received was them asking me to wait. I sent my last email to their customer service department on XX/XX/2021 asking them to address the problem. As of XX/XX/2021 I have not received a response.
Consumer complaint received 2021-03-30
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: WAKEFIELD & ASSOCIATES, INC. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (GA)

XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate. 
Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report. 
I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection. Unknow debt. 
I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act.
Consumer complaint received 2021-03-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Company called XXXX called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a liar, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.
Consumer complaint received 2021-03-29
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. (CA)

There are 16 different student loans that are appearing on my credit report I have tried reaching out to the bureaus and the furnisher because they are not mine and it is affecting my credit very badly. I have opened an FTC for these and been sending out letters since XX/XX/XXXX with no avail. There are also 7 inquiries total on my credit that are not mine and i have also reached out for these too and nothing has happened and no one has gotten back to me on this. 

Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXXI Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXXI Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : DEPT OF EDXX/XX/XXXX Account Number : XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

BK OF AMER, Inquired on XX/XX/2019, XX/XX/2019 XXXX Inquired on XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX, Inquired on XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (TN)

I am writing to express my concerns about a recent incident I experienced with your company. I purchased a XXXX XXXX XXXX on XX/XX/XXXX with a down payment of {$800.00} shortly after purchasing this vehicle I started experiencing problems. There was a very loud noise coming from the front end of my car when accelerating. Due to the holidays and XXXX being backed up I was unable to get an appointment til A few weeks later. I took my vehicle to XXXX XXXX on XXXX XXXX in XXXX to receive a diagnostic on my vehicle. After leaving my car at XXXX for 8 hours, a full business day the mechanic at XXXX informed me that the noise was coming from the car being low on oil. Silver rock then advised him to check my car for any leaks and to change the oil on my car however they were not covering the costs for the oil change. After advising the mechanic that I didn't have the money at the time for the oil change he refused to check my car for any leaks and stated that my car just needed oil. I took my car to be serviced for an oil change and a few weeks after my car completely stopped on my way to work. I checked my car for oil and there was no oil in my vehicle. Shortly after this incident I reached out to XXXX rock regarding this manner who advised me to take it to XXXX XXXX. Once I arrived at XXXX XXXX I explained to them my concern with my car and a diagnostic on my car and stated that it could be an internal problem with my engine. They also were unable to service my vehicle. This has been more than an inconvenience to me. I have missed work and class due to me not having a reliable vehicle that I have paid my money for. I also paid for a warranty through your company whos also very unreliable. I have had to call them multiple times just to get the costs covered for work that wasnt done on my car due to the miscommunication between them and the mechanics. Since I purchased my car it has been at least 4 different repairs and I'm still having the same issues. As a customer I am very disappointed.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My loan servicer ( Suntrust ) will not remove PMI from my mortgage despite my having paid over 20 % paid equity on the loan over the last 14 years. My original appraisal was $ XXXX. I put 10 % down at closing and have never missed a payment. Upon calling they quote rules from their system not available on the public internet/Suntrust site. I believe the practices by Suntrust to be unfair, underhanded, and purposely deceiving.
Consumer complaint received 2021-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America and XXXX have negatively affected my XXXX XXXX consumer report. XXXX XXXX is reporting an account closed by Bank of America which is fraud. XXXX is fraudulently reporting a bank of America to an account closed under my name on XXXX.
Consumer complaint received 2017-03-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Atlanticus Services Corporation (LA)

I was shopping for an elliptical and a co-worker told me about the offer on XXXX. XXXX was offering 12 months defer interest with payments as low as {$32.00} financing through FORTIVA RETAIL CREDIT LINE. I noticed that XXXX was also offering 12 months defer interest with financing through FORTIVA RETAIL CREDIT LINE. 
I decided to make my purchase through XXXX and applied for the financing. I was approved for a {$3000.00} credit line. I made my purchase on XX/XX/2017. My co-worker made her purchase for a treadmill a week before XXXX, XX/XX/XXXX. On XX/XX/2017 my co-worker noticed she was being charged interest and called Fortiva. They stated she was late making a payment and therefor forfeited the deferred interest option. She stated she never received a bill and just received her treadmill a couple of weeks ago. She hung up and called Fortiva back in hopes to speak with another customer service rep. The second rep told her they do not offer defer interest on credit cards. She went back and forth for some time to no avail. 
I was a little concerned, I was next to her while she made the phone calls, so I went to the FORTIVA website and created my profile and reviewed my account. Even though it was 15 days from the date of purchase, I was due a payment of {$60.00}. On XX/XX/2017 I made the first payment. A week later I received the actual statement. My payment due was {$60.00} and not the {$32.00} as stated on XXXX when I applied. I also noticed that I was being charged interest of 29.99 %. 
I contacted Fortiva Retail Credit and was told by their customer service rep that Fortiva Retail Credit line does not offer any defer interest deals and I applied for a credit card. I explained to the customer service rep that I applied online through the XXXX website and was approved for 12 months defer interest financing for exercise equipment not a credit card. The rep had no idea what I was talking about and stated that he would have someone in management research my account and call me back. No one has contacted me. After a few weeks I went to the FORTIVA RETAIL CREDIT LINE website and clicked on " contact us ''. The only option is to email them through the website itself. I emailed FORTIVA and still have n't received a call back or an email. The issue is still unresolved. Recently I went back on the XXXX website and the XXXX website, both of these website still as of today, Wednesday, XX/XX/2017, offer the same financing deal through FORTIVA RETAIL CREDIT LINE. The very same 12 months defer interest option that FROTIVA claims that they do not offer.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

My mortgage is a XXXX XXXX with a XXXX XXXX, on XX/XX/2021, and after completing my three trial payments I received a XXXX XXXX Modification with PHH Mortgage. The final modification agreement that I received included instruction to notarize my signature and my wife 's signature. We completed all lender 's instructions on XX/XX/2021, and immediately after we returned the whole packages including our notarized signatures by certified mail. 
According to the original instructions received, I supposed to return two notarized copies of my XXXX XXXX XXXX, and immediately after my lender would receive these documents will sign, notarized, and return one of the two copies to us. 
PHH Mortgage signed our XXXX XXXX XXXX on XX/XX/2021, however, they just send us a copy without their notarized signatures. 
On XX/XX/2021, I personally contacted PHH Mortgage requesting my loan modification agreement with their notarized representative 's signatures. They responded to me that it was not necessary and just the regular signature of their representatives would be enough to make the document valid. 
I insisted that the above-mentioned agreement has a notarization requirement for both parties ; however, they promise to return me a call, a thing that never happened. 
I request CFPB help to obtain the legal document ( Notarized ) that confirms the full terms of my recent XXXX XXXX reached. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Credit bureaus reporting XXXX XXXX XXXX FOR {$880.00}. I sent my first dispute letter to all 3 credit bureaus on XX/XX/2020, the 2nd letter on XX/XX/2020, XXXX letter XX/XX/2020 and 4th letter sent on XX/XX/2020. Each letter sent was certified mail with affidavits attaches each time. I was challenging the validity of account for a XXXX XXXX account. I started with the credit bureaus ask them to validate the information and every time they stated correct but never provided any information just would update the remarks on credit report as meets standards. I also reached out to the collection company filing a debt verification on XX/XX/2020 and asked them to verify the debt but after 30 days no response from XXXX XXXX. Attached you will tracking information of letter being sent certified to XXXX XXXX  with return receipt. while looking at my accounts I noticed that the " Dates Open : varied on credit report and " Dates last active '' also vary on my credit report. I believe I have exhausted all my resources and have not received a sufficient response from collection agency or credit bureaus. At any point during my request has anyone provided any information or updated me properly on what was found so I could understand why this account is valid. At this point I'm trying to purchase a home and improve my credit situation but as I reach out to the credit bureaus I have receive no assistance.
Consumer complaint received 2021-03-29
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I received a message from phone number XXXX stating that if I did not call " XXXX XXXX XXXX '' back at XXXX then paperwork would be filed with the county XXXX  where I live. I called the number back and was put on the phone with a " XXXX XXXX '' ( direct number XXXX '' who was very rude. He was very quickly stating information that I owed {$1400.00} to Ace Cash Express and that if I did not pay in full today, not only would paperwork be filed with county XXXX, but I would also have criminal charges brought for " check fraud ''. Mr. XXXX repeatedly hung up on me ( five times ) when I tried to get more information from him. He claimed I was issued certified letters which I never received or signed for. He stated I was being evasive and abusive by asking further questions. Because of his threats and intimidation, I did agree to make payment. I was transferred to " XXXX XXXX '' phone number XXXX to make payment. She stated I would have to call my bank because the charge was being blocked for fraud. It was eventually put through and my card was charged for {$710.00}. I then received an email from " XXXX XXXX XXXX XXXX '' asking for an electronic signature for the payment agreement. This did not match where the numerous people on the phone stated they were calling from. When I check my bank account activity, the payment shows it was charged to " XXXX XXXX XXXX '', also not where anyone said they were calling from. Since none of these names matched up and I had not gotten email confirmation/receipt for my payment, I called back to ask for clarification on where I just paid. I was again transferred to Mr. XXXX. He hung up on me for the sixth time of the day when I asked for more information. I then called Ace Cash Express who let me know that I did in fact have a balance with them, but it was only {$280.00}, NOT {$1400.00} as stated by Mr. XXXX. They let me know they sold the account to a " XXXX XXXX XXXX  '' phone number XXXX. I called XXXX XXXX XXXX  who let me know they did not hire any mediation firm and were not even actively collecting on the account. They stated they certainly had no plans of filing court paperwork or attempting to file criminal charges. They asked me for the information on who just called me which I gave. XXXX XXXX XXXX  does not recognize " XXXX XXXX XXXX  '' as anyone they work with. They told me I was likely scammed. I then called Mr. XXXX back who did agree to refund my card, but stated he was filing court paperwork to " have me prosecuted '', called me an " XXXX '' then hung up on me again.
Consumer complaint received 2021-03-30
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. (OH)

Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act XXXX FRCA XXXX, section XXXX, subsection ( XXXX ) ( D ). The Following Accounts listed below : - XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX