davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NY)

There is a summary judgment against my property ; which was adjudicated in XXXX XXXX Supreme Court. Due to the emergency of this situation, I would like to explain the history of my dilemma. 

I purchased the said property above in XX/XX/XXXX. After 2 years, I requested a modification from the newly assigned company XXXX. Unfortunately, a representative of XXXX told me that the square footage of my studio ( 500 sq  feet ) was too small to receive a modification. 
Within the years of the constant reshuffling of mortgage assignments, only one servicer ( XXXX XXXX ) offered a modification ( XXXX ), which was 5x higher than what I was paying. In XXXX a Judge dismissed the case without prejudice requesting explanation of the lost note and allonge. 

In XX/XX/XXXX a second judge partially granted and partially denied the summary judgment. In XX/XX/XXXX, a third judge granted summary judgment and I filed a OSC. 

I am in receipt of a letter 3 denial letter for a modification by Planet Home Lending ( PHL ) dated XX/XX/XXXX, in reference to the denial of the requested modification. As a property owner, I am frustrated by the multiple servicers and investors that this " mortgage '' has changed hands. For the past decade, I have tried to secure a refinance when I was current only to be told that it could not be done. XXXX XXXX ( XXXX ) stated the condo was too small. XXXX couldn't modify-no reason given. Now Planet Home Lending has given no supportive argument as to the denial of the modification, other than the investor does not offer modifications. 

Their decision was based on a consumer credit report not my actual credit report. Additionally, PHL acknowledges that the reporting agencies played no part in their decision to deny the modification. However, PHL failed to mention the reason of the denial, but directed me to run my credit report. I provided all the supportive documents and income, yet I was denied. The investors lawyers also discontinued a pendency in XX/XX/XXXX because the investor because the Plaintiff could not prove compliance with the mortgage by a non-party to this foreclosure action. 

Here is a history of all the Lenders : MLN-Bankruptcy XXXX XXXX   XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Planet Home Lending I ran my credit score several times and the mortgage is not reporting at all. Please advise. 



Respectfully submitted, XXXX.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

On XX/XX/2024 XXXX nonpublic consumer information to XXXX, Equifax, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act Convergent Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX  ; Account number : XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-13
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)

I got a copy of my credit report and I have inquires that I didnt not request on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (RI)

I have been paying Sallie Mae for months now, last fall in XXXX ( XXXX  ) I turned on auto-pay to automatically deduct the bill from my account so I wouldn't have to go out of my way to pay the loan. The following month came around and I began receiving dozens of automated calls at all hours of the day each and every week. The calls were followed by emails and physical mail exclaiming to me that my loans were overdue and had late penalties attached and required immediate attention. Sallie Mae was then called directly to " square '' away the matter. They said to me that they would remove the late fee as the bill was on auto-pay. Literally every single month since this has been exactly the same. They claim that my auto-pay set up is somehow late each and every month and late fees get tacked on every single time despite the bill being AUTOMATICALLY PAID each and every month. They do nothing but harass me on a daily basis about the matters and I'm sick of this and their inability to resolve their own issue. The power they wield affects my credit and I'm sick of them abusing it.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION (TX)

I have money with navy fed for 3 years now. My friend sent unemployment money to both the checking and savings accounts. The bank said it was scam and they couldnt release the money. They closed the account but the money is still in there. I wanted to know if its possible to get the money back. I receive statements every month.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2020-07-27
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. (GA)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I hope this letter finds you well. I am writing to address a matter of concern regarding the information on my credit report. After a recent review, I have noticed that there are late payments inaccurately reported on my credit history. I was the victim & I'm not sure why the CRA is not complying with the law. 

I have attached supporting documents, including bank statements and payment receipts, to demonstrate that the reported late payments are erroneous. I am confident that a review of this evidence will confirm the inaccuracies and prompt the necessary corrections. 

The late payments in question are associated with the following accounts : WELLS FARGO CARD SERVICES XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO CARD SERVICES customer service representative. XXXX have already removed this late payment from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I kindly request that you conduct a thorough investigation into this matter and, if appropriate, remove or correct the inaccurately reported late payments on my credit report. I understand the importance of accurate credit reporting and its impact on my financial standing. 

I appreciate your prompt attention to this matter and kindly request that you provide written confirmation of the corrections made to my credit report within [ 30 days ] from the date of this letter.
Consumer complaint received 2020-07-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP. (CA)

I CURRENTLY HAVE A 2ND MORTGAGE WITH 21 CENTRURY. I AM TRYING TO REFINANCE MY LOAN AND WHEN THE PAYOFF WAS REQUESTED THEY INCLUDED AN ADDITIONAL {$7000.00} OF ACCRUED INTEREST WHICH IS UNETHICAL AND UNFAIR. 

NEVER HAVE MY MORTGAGE STATEMENTS REFLECTED THIS ACCRUED INTEREST IN MY MORTGAGE STATEMENT. 

I HAVE INCLUDED THE PAY OFF THAT I RECEIVED FROM 21ST MORTGAGE.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DigniFi (TX)

On XX/XX/2022 an account was opened fraudulently with my information with Dignifi web bank. For the past 3 months I have disputed this with credit bureaus as well as made statements with law enforcement. In spite of this, Dignifi has still not removed this fraudulent accout and continues with collection calls.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (IL)

On XX/XX/2023 I initiated a Balance Transfer Loan from CitiCard XXXX in the amount of {$10000.00} to my XXXX XXXX XXXX XXXX XXXX  Card XXXX XXXX 

The amount was cleared on my CitiCard, but has never been received by my XXXX XXXX. 

Research with CitiCard indicates the payment was sent electronically to XXXX XXXX XXXX ( XXXX ). However, XXXX no longer administers the XXXX XXXX Account. 

In every encounter, I have confirmed the correct XXXX XXXX account # ( where it should go ) and the mailing address for the receiving party. 

Today, my XXXX score dropped XXXX points from " Very Good '' to " Good, '' based on the {$10000.00} not paid down at XXXX and the {$10000.00} now being charged on the CitiCard. I have provided authorization for XXXX XXXX to speak with CitiCard- but that discussion has not happened. 

What will it take for CitiCard to correct the mispayment of these funds?
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (PA)

It is not a first time Wells Fargo email me invitation and when I apply. I got denied. I just curious if they just after people to collect a sensitive info for identity theft? I feel like I am getting discriminated or my name is going to be used for somebody else. Application required full SSN, Birthdate, Mother 's maiden name and all other sensitive info. 
Reference : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Weve finished reviewing your application for the Wells Fargo Active Cash Visa Card. 
Thank you for applying for a new credit card. Weve reviewed your application and are unable to approve it at this time. Youll receive a letter from us within 30 days, and itll provide information about why were unable to offer you a credit card account. 
Thank you for choosing Wells Fargo.

Wells Fargo Credit Cards Thanks.
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

According to 15 usc 1679a, no violation is to be committed, if so a rescinding of contract occurs. On XX/XX/XXXX I got a loan for a XXXX XXXX at the Toyota XXXX dealership which address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX phone number XXXX. I was to pay an installment loan of XXXX for 72 months if contract wasnt broken according to consumer law. During the first month of the term I read over my contract and noticed the fraudulent numbers on there. The sum of all charges, insurance, and no cash was given in hand for the loan.. They broke the good faith agreement. The sum of all charges wasnt in my car note, and the warranty on the vehicle. I sent a cease and desist letter but that wasnt honored. Constantly harassed to pay the debt but once violated a recision occurs and both parties status go back to what they were previously no contact. With that being said theres a XXXX dollar charge for each violation and I get to keep the property. Contract is voided.
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XXXX, I went into a Bank of America Financial Center and  wanted to deposit a bag of coins into my account. I had heard there was a shortage of coins nationwide so I thought I would help. I was told they would not accept the coins unless it was for a business account. I have been a Preferred Customer of theirs for many, many years. I asked how they could refuse legal U.S. currency as a deposit. They said that if I went through the trouble of wrapping the coins in rolls myself that only then would they accept them. Can they put a restriction like that on accepting legal tender? 

In years past, I had deposited coins with no problem. They would give me a large plastic bag and I would have to fill out my name account number and then they would ship it downtown to be counted, just like they do for business accounts. This time they told me to take the coins to a commercial machine available in stores and pay the 15 % charge to count them. How can they refuse legal tender for deposit just because I can't take the time to roll the coins?
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (GA)

Let me start by saying I have referred XXXX people to this app in the past ( screenshot attached ), & I will not be able to refer anyone else until this situation is handled fairly and quickly. I just opened my Self app to open a new secured link until I started looking at the fees and late payments for an account that I have not even be able to use. I can also see other CFPB complaints regarding the same issue. I am just now seeing that I owe {$190.00}, which I do not feel like I owe. I had to move a lot in XXXX to take care of my grandparents and never changed my mailing address for Self as I thought my account ended once I paid off my XXXX XXXX line and the deposit went towards my credit card balance. I closed my secured line ( XXXX XXXX ) on XX/XX/XXXX. My card ended in XXXX. The deposit for that secured {$350.00} was sent to my credit card, and it was listed as " XXXX XXXX XXXX '' for {$350.00} on my Self Statement. Once that deposit was paid, I was under the impression that my Self Credit Card had ended because it kept saying " Available Credit '' was {$0.00}. I thought Self would close the credit account since the CD was closed and the deposit was sent to the credit card. I was unable to use it & there was no available credit showing & the credit card was never used again after the accounts were closed on XX/XX/XXXX. Now I see that Self kept my account open just so they could keep charging late payment fees and interest rates. I never received a statement saying the account was closed and the remaining balance. I was charged nine months of {$15.00} late payment fees, which equals {$100.00} from XXXX ( no late fee for XX/XX/XXXX when {$350.00} credit finally hit ). Statement interest fees also added up to {$35.00}. The account should have closed in XX/XX/XXXX, so I have no idea why I was still charged late payments and interest rates. For referring XXXX people, you would think I got better service as I do want to open another account and refer people but not if this company is charging late payment fees and interest rates a year after accounts closed. It is still hurting my credit and I have not even used that card since I closed.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (MD)

XX/XX/XXXX - Received XXXX Branded Credit Card ( TD Retail Card Services ) that had been fraudulently opened and used to make purchases XX/XX/XXXX - Called TD Retail Card Services Fraud Department to report fraud and open a case XX/XX/XXXX - Filed report with local police department XX/XX/XXXX - Followup call was made to TD Retail Card Services Fraud Dept- confirmed that my case was received/opened on XXXX XX/XX/XXXX XXXX - Followup call was made. Investigation was still pending XX/XX/XXXX - Followup call was made. Investigation still pending but letter was sent to my address to review, sign, and return a Declaration of Fraudulent Activity XX/XX/XXXX - I sent a separate letter, Proof of ID, identity.gov report, and police report to TD Retail Card Services Fraud Dept via certified mail XX/XX/XXXX - I received in the mail the letter dated XX/XX/XXXX. Their request was to return the signed declaration within 14 days so I scanned and emailed the signed declaration, letter, proof of id, identity.gov report, and police report XX/XX/XXXX - I called the Fraud Specialist handling the case who informed me that the case was closed because there was no response. The specialist claimed the declaration was mailed on XX/XX/XXXX. This contradicts all previous phone calls. Also, I complied with the letter received on XX/XX/XXXX by emailing signed documents within the 14 day period. A new Fraud Case was opened and processed with my already signed affidavit. 
XX/XX/XXXX - Followup call to Fraud Dept - Specialist said I was not responsible for charges and a letter would be sent out. 
XXXX - Received Final letter from TD Retail Card Services Fraud Department dated XX/XX/XXXX stating that " We have closed the above referenced account to prevent its future use. You will not be responsible for any purchases made on this account. '' XX/XX/XXXX - Received Account Statement ( same account number as before ) with new transaction posted on XX/XX/XXXX. Called fraud dept and opened another case.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NJ)

Hello, I have attempted to call Nelnet 4 times to get my password reset. The system says they are now requiring XXXX factor authentication when i log in but when i attempt to reset my password the online notification states they do not have a valid email address or phone number on file. However the XXXX times i have spoke to a representative this is information the use to validate my account along with my birthday and my social. I am unable to get in to view my bill and do not want to pay over the phone until i have had a change to view my bill and ensure i am set up on the best repayment plan. The representative told me they cant help me, but i do want to pay them and they are making it impossible.
Consumer complaint received 2024-02-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: ALLIANT CREDIT UNION (CA)

On XX/XX/XXXX, I attempted opening an account with XXXX XXXX  I was made aware that my application was declined because they are unable to verify my IDENTITY as required by the USA PATRIOT Act of 2001. This I believe, is linked to the other individual who has used my Social security Number to open accounts at different financial institutions. I'm requesting that XXXX XXXX do due diligence to investigate. I'm ready to provide any form of documentation to help with investigation. Furthermore, I've created a Federal Trade Commission Identity Report. Also, I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. In addition, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX