davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-27
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: WELLS FARGO & COMPANY (CA)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-05-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I faxed over the application for forbearance on Monday XX/XX/2023. My mortgage company said that they wanted me to write a letter explaining why I haven't worked in XXXX weeks. I lost my husband XXXX weeks ago. They are making the process very difficult for me. I am trying to get caught up. They told me on Friday XX/XX/XXXX that they would be able to refinance my loan for a higher interest rate. I sent in all the documents that their website requested.
Consumer complaint received 2023-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

My identity was stolen, and an account with XXXX was opened using my information without my consent. I reported the information to the company, and they are refusing to remove and delete the account. I have gotten a police report and have shown evidence that the account does not belong to me. In accordance with the FCRA, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B. This law states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. These accounts were obtained fraudulently under an address. that I have never been associated with that is now reporting on my credit.
Consumer complaint received 2023-07-19
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: Experian Information Solutions Inc. (NY)

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Experian refuses to remove me from being listed as late on XX/XX/2020 and XX/XX/2020 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Experians job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-05
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. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Hi, I went to Transunion XXXX XX/XX/2020 ) to find out what happened to my credit report that lowered my score in the last few weeks. Unfortunately, TransUnion has effectively trapped me into an expensive plan I never sought. 

They asked me for my personal and credit card information without letting me know that I was purchasing a monthly subscription for their credit report. I only found out about the service after the confirmation email was sent. I tried to contact them to cancel the subscription and get the refund but they refuse to do so. This is a scam!
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

I am writing to formally lodge a complaint against Convergent Outsourcing Inc, a debt collection agency, for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 
I recently received communication from Convergent Outsourcing Inc. in the form of an invoice and a copy of a phone bill, both of which are being used as evidence to support their claim for debt repayment. However, I find their approach inadequate and problematic for the following reasons : XXXX. Failure to XXXX XXXX : According to the FDCPA, debt collectors are required to provide validation of a debt upon request. I have made an official request for debt verification, and all I received in response was a copy of a phone bill and an invoice to pay. This does not constitute sufficient verification of the debt 's legitimacy and accuracy. 
XXXX. XXXX XXXX of Limitations : The debt in question is beyond the statute of limitations, which means that the legal timeframe for pursuing collection actions has expired. Despite this, Convergent Outsourcing Ink is attempting to collect the debt, which raises concerns about their adherence to legal guidelines and ethical standards. 
XXXX. Insufficient Documentation : A mere copy of a phone bill and an invoice does not provide the necessary documentation to prove the validity of the debt. Without detailed information and proper validation, it is impossible for me to assess the accuracy of their claim. 
XXXX. Furnished the written validation notice within the required time period and otherwise complied with applicable validation requirements ( 15 U.S.C. 1692g I kindly request that the Department of Financial Protection and Innovation thoroughly investigates this matter and takes appropriate action against Convergent Outsourcing Inc. if they are found to be in violation of consumer protection laws. I believe their actions not only undermine my rights as a consumer but also contribute to the erosion of trust in the debt collection industry as a whole. 
I am attaching copies of all relevant correspondence from Convergent Outsourcing Ink, as well as any communication I have had with them. I appreciate your attention to this matter and your commitment to safeguarding consumer rights. 
Please feel free to contact me at XXXX or XXXX if you require any further information or clarification regarding this complaint. I look forward to a swift resolution to this issue and the restoration of my rights as a consumer. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-25
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. (LA)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, XXXX, and XXXX did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports Which is a violation. This is impacting me from moving forward with getting a new and buying a house for my family. XXXX, Equifax, and XXXX violated my rights.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2023-04-06
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. (LA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed inquiry : XXXX XX/XX/2021
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-04-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (TX)

- Foreclosed XX/XX/XXXX - There was an overpayment to the XXXX XXXX XXXX XXXX in the amount of {$8700.00}. 
- Attempts were made to get those funds returned to me, but to no avail beginning XX/XX/XXXX. 
- In XX/XX/XXXX I was informed the tax office sent a check to my mortgage company, PHH Mortgage/Ocwen Loan Servicing on XX/XX/XXXX. 
- I called PHH a few times in XXXX trying to get them to pay me back the overage, but no response, disconnected. 
- In XX/XX/XXXX a case was finally opened by PHH to try to locate the funds and pay them back to me. Every 2-3 weeks they call to let me know they're still working on it. Says they can't get in touch with the tax office, hands are tied. 
- I called tax office and check was never cashed. Gave me form, email to have PHH submit for reissue. They remind me to have them SIGN with a SIGNATURE, not a typed name or it won't go through. I fill out the form FOR them, in RED telling them to sign. 
-Six weeks later, they submit... but they don't sign it and change my current address where check should go to the foreclosed property address. 
- It has been six more weeks, and counting... they claim they are waiting for someone in THEIR tax office to sign the form and resubmit. It's {$8700.00}. 2 years/5 months. Unacceptable, deceptive. 
- The tax office also informed me that PHH absolutely knows how to get in touch with them because they have called/emailed many times trying to get the payment issued TO THEM ... still, while telling me their hands are tied because they can't get anyone at the tax office. 
- They are not acting in good faith and can not provide any reason why this is taking so long, so I can only surmise they are attempting to redirect the payment to themselves again or just being cruel by preventing me to gain access to the much needed funds that are legally mine. Whatever the reason, they should not be allowed to get away with this.
Consumer complaint received 2023-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (FL)

Chime sent emails saying my card was on the way, then another to tell me set up direct deposit. The card is shipping to an old address and was never requested by me. Not sure what kind of scam this is but theres something up.
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (TN)

my father left me life estate in XXXX texas. my father XXXX XXXX onXX/XX/XXXX I keep paying the notes on time to citimortgageinc loan number XXXX in my father name XXXX XXXX onXX/XX/XXXX I revived a letter from citimortgage inc that said they no longer can except payment and that they close my father account due to him being XXXX  and they going default forclouser and they ask for full payment of XXXX dollars. they hired attorney and he file probate of beneficiary in XXXX county texas court in XXXX texas I called the court ask them why they did probate of my dad estate when I was name in court before my dad XXXX XXXX.the court did transfer the deed in my name upon XXXX of my father.the mortgage company told me I could n't get remodifaction loan or make payments they told me they was going sue me over my mortgage loan and forclouser they told me this onXX/XX/XXXX the the mortgage company give my dad bad loan they commiteethe acts of threaten me with lawsuits and closing his account due to XXXX and not letting me make my payments.I want them fine again and there banks shut done from doing mortgage loans.they are doing mortgage fraud practices.
Consumer complaint received 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I RECENTLY VIEW MY CREDIT REPORT AND NOTICE A UNAUTHORIZED INQUIRY IN MY CREDIT REPORT MADE BY XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My edd prepaid debit card XXXX is said to be cancelled/ frozen by my sponsor Edd . This is not true and furthered my complaint by calling Bank of America Edd Prepaid card - Liars! They said they have no power over permanent closers. So,. Hears what I would like to happen .... Please re-open my debit card ending in XXXX and give me all of my money back, yes, it's only fair. Considering, the Bank continuously verifies me, sends codes, gives me the wrong balances, goes past cla maturity dates, etc, etc. Someone was tampering in my account from the very beginning- I filed a major complaint against this. Someone in another State had my same account number. The issue was never fully addressed! My account appeared to be cloned. My ex-employer got finger for tax evasion and was ordered to pay 3 retroactive back pay and damages.The money in the account XXXX came from because someone else in, XXXX, Florida was 1 using my benefits. My identity had by an administrative law judge. Still s series of issues continue to come up regarding mishandling.,. Mainly on behalf of Bank of America. There was a major complaint against XXXX XXXX XXXX XXXX, CA XXXX. There are still funds that exist unpaid. When asked to submit supporting documents by fax .... My transmitters would never go through. All terminals here locally were blocked,!! I had no debit card to activate any movement on the sccount conventionally. The be it cards ordered went to the, Florida address, until the clutch was taken seriously by Bank of America. By then major damage to my account XXXX was done. Also, with Pandemic amounts ad well... I purchased a vehicle and the dealership billed the entire amount electronically through there terminal, then the amount of the actual purchase was billed, {$1100.00} plus an additional $ {$2000.00}, please note - the {$2000.00} was never returned to me as the vehicle was returned back to the dealership for Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

For a few years now, two collections accounts from this company ( XXXX for {$710.00}, and XXXX for {$780.00} ) have sat on my credit report, negatively affecting my credit and FICO scores. I do not know where this debt came from, I am unfamiliar with this company and I have had no known dealings or contracts with this company. I don't know where this negative information is coming from. 
There is no paperwork, account information/ number provided to me anywhere or anytime to support why this debt even appears on my credit report. It is a phantom debt on my credit report. This company has a terrible XXXX  rating and I am submitting a complaint to that agency as well. They have a habit of placing phantom, random collection accounts on consumers credit reports.
Consumer complaint received 2023-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I was in good standing and had money in my account. My account was almost XXXX years old and was mostly in good standing most of the time my account was open. I even had direct deposit set up to it. One morning I logged in and found out my account had restrictions and after research and phone calls I found that it had been closed without my knowledge and to this day I was never explained why or even given my {$200.00} I still had in the account!
Consumer complaint received 2023-08-13
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. (MI)

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 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

On XX/XX/XXXX, I filed a short-term forbearance request with Nelnet, my loan service provider. I received an auto-confirmation on the same day that the forbearance was filed and it would take XXXX business days for approval. At that time, on XX/XX/XXXX, I had not been enrolled in their auto-debit system nor did I receive any notification that I would be enrolled. On XX/XX/XXXX, I was granted the forbearance for each of my loans for XXXX months, with payments resuming in XX/XX/XXXX. However, on Friday, XX/XX/XXXX, I checked my online banking account to find that a loan payment had still been taken out. As a result, I logged on to my Nelnet account to find that I had been enrolled in their auto-debit program without my consent nor notice provided. Once seeing this, I unenrolled myself from their auto debit and received an auto confirmation from Nelnet, via email, that this was done. On Sunday, XX/XX/XXXX, I called XXXX, my bank, to file a dispute and provided all the information to the customer representative. On that same day, I sent a complaint, via email, to Nelnet regarding this issue. On XX/XX/XXXX, I sent XXXX 's dispute center each of my loan forbearance notices as well as the email confirming I had unenrolled from their auto debit program. On XX/XX/XXXX, I received a reply back from Nelnet encouraging me to call as the matter may be too " complicated '' to discuss via email. I attempted to call twice on Tuesday, XX/XX/XXXX and received wait time estimates of up to XXXX minutes. Because I work full time, I am unable to wait this long to speak with a representative. On Wednesday, XX/XX/XXXX, XXXX denied my dispute citing the fact that I did not make it within XXXX hours. XXXX did not address my enrollment into Nelnet 's auto-debit program without my consent nor did they address the fact that my forbearance was in effect when the transaction was made. XXXX told me that I need to address this with the merchant, i.e. Nelnet, if I want to any further discussion on this matter ; however, due to my inability to get a customer service representative on the phone at Nelnet, this is not possible.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BDF Partners, PC (CA)

California XXXX : { XXXX XXXX. XXXX } and { XXXX XXXX. XXXX  } represent Law Firm Barrett Daffin Frappier Treder & Weiss , LLP and our loan servicer ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, all involved in Violations of Wrongful Trustee Sale of our home on XX/XX/2024 and auctioned our home, fraudulently on XX/XX/2024 after XXXX, considering I was forced to file Bankruptcy XXXX XXXXXXXX on XX/XX/2024 at XXXX before our home can be Legally Auctioned. XXXX XXXX at, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX was hand delivered my XXXX filing, XXXX XXXX, Trustee of our XXXX XXXX XXXX. Confirmation of my XXXX filing was Emailed Electronically at XXXX to { XXXX and, emailed to XXXX } Trustee BDF Law Group whom Auctioned our home Fraudulently on XX/XX/2024 after XXXX XXXX XXXX. 

Attorneys mentioned & BDF Law Group, are in Violations of all U.S Federal Laws & Regulations due to my XXXX filings and currently proceedings. Sanctions are to be imposed for such violations. I have also filed Misconduct complaints of mentioned lawyers to The XXXX XXXX of California, for deception, misrepresentation and unfair business practice. My XXXX Trustee ; XXXX XXXX XXXX and XXXX XXXX XXXX, { XXXX Judge } have also been notified of my Wrongful Trustee Sale of XX/XX/2024.
Consumer complaint received 2023-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (AZ)

I want to verify I am signed up for correct plan since I work for the state in public service sector. Have been throughout covid so want to verify I have been credit payments for that time. Called 5x hold times ranged from 30 mins to an hour before hanging up due to have to work. Now payments are late but I not comfortable paying until verifying I'm in right repayment plan.