davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (GA)

My loan was purchased by BSI Financials- a company that seems to be a shady unreliable and untrustworthy lending company. I spoke with BSI financial about recasting my loan as well as dropping my PMI back in XXXX of XXXX when my lawn was a little more than XXXX months old and I had made full and on time payments for the loan 's entirety. I was told that I could do both and they sent me information on how to do just that. The process was to take XXXX days. I officially completed the improvements to the home in XXXX of XXXX and sent {$250.00} and an email with a signed letter requesting the actions of dropping my PMI and recasting my loan on XX/XX/XXXX and received a confirmation number ( XXXX ) and was told that I would hear from them soon, It had even explained that I would hav veto pay for the appraisal but that everything else was on them to handle. I was also told that I would not be able to use the online portal to make payments on my mortgage while the loan account was in review for these tasks ( recast and PMI drop ) I have had to call in with routing and account numbers every month in order to make payments. I emailed and called and have had no luck. I was lied to and told that the loan was in underwriting - I asked how that was possible when I have not been assigned an appraiser or paid for the appraisal to happen. that email was never answered. I emailed again and I was told that the loan was under review and I should wait for more information. I called and emailed again - finally getting the situation escalated to a supervisor who seemed to realize that I had been being lied to by the account manager as NOTHING had been done with my account this whole time. I was assigned to another account manager who has no gone radio silent and will not respond to email or VM. We are now XXXX months ( XXXX days ) into a process which really should only take a few weeks but is long past the lender 's XXXX day window. I do not what to do. I invested a lot of money into the property based on materials of information provided to me by the lender that I would be able to drop my PMI and recast the loan. NOTHING has happened. I feel that I have lied and stolen money from me. PLEASE HELP ME
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX
Consumer complaint received 2017-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frost-Arnett Company (TN)

XXXX   XXXX   XXXX  contacted me by phone about {$75.00} I owed them. I could not recall the visit and I get a lot of scam phone calls from companies claiming I owe them money. I asked  XXXX   XXXX   XXXX  to send written verification of the debt, which I am sure I am entitled to get.  XXXX   XXXX   XXXX  would not send written proof of the debt but instead turned it over to Frost-Arnett Company, The Collection Company. I am writing to dispute the validity of this debt.
Consumer complaint received 2016-09-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Federated Adjustment Company, Inc. (WI)

My BANKRUPTCY was Approved on XXXX XXXX, and besides my Bankruptcy being on my CREDIT REPORT, there 's XXXX Collections from my Bankruptcy, that are on my CREDIT REPORT separately and I owe nothing on all of these XXXX Collections from Medical Reasons. 
The Company that did my Bankruptcy is know Bankrupt and went out of Business, so I ca n't get ahold of my Bankruptcy Lawyer to ask him how to remove these Collections from my CREDIT REPORTS.
Consumer complaint received 2017-05-14
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: WELLS FARGO & COMPANY (NY)

Wells Fargo has transferred an equity loan account without my consent or knowledge for what they claim was for administrative reason. This is a false statement as the loan in question, now account No XXXX was secretly transferred to release the tile of the primary mortgage prior to the home 's foreclosure in XX/XX/XXXX and was done so a year prior to said foreclosure all while Wells Fargo was supposedly working with me regarding a loan modification. Wells Fargo seemingly was looking to make good due to the outcry of predatory lending claims by millions of former Pick-a-payment customers. The loan type has since been outlawed and Wells Fargo settled a class action law suit, of which i opted out of, for millions upon millions of dollars, which equated to {$700.00} - {$1200.00} dollars per victim ( pennies on the dollar ). Wells Fargo was also found guilty of not modifying troubled home owners during the housing crises, me being one of them as i was denied on multiple occasions from XX/XX/XXXX-XX/XX/XXXX with one approval claiming to be a modification but was nothing more than baking back payments back into the loan without changing any note payment terms. with that said, Wells finally agreed in XX/XX/XXXX to work with me and modify my home as they should have done back in XX/XX/XXXX-XX/XX/XXXX, so what did they do? well they did n't go back to see if i should have been approved back in XX/XX/XXXX-XX/XX/XXXX when I had a ton of debt and a hefty mortgage payment, instead they based my mod qualification on my current finical state, which had dramatically approved since I had stopped making my mortgage payments on a predictor loan in favor of paying all other upstanding credit grantors.Needless to say I was not approved for a home modification and Wells Fargo foreclosed on my primary home selling the home for 100K less than I was looking to pay in a modification.
My latest complaint was forwarded to Wells Fargo 's Executive Resolution Specialist XXXX XXXX, who I immediately identified a s a  person with a predetermined position and was just looking to find only information that supported his narrative. I requested his removal directly with his supervision XXXX XXXX XXXX, as I felt his personal opinion was introducing a bias investigation. XXXX XXXX never returned my calls or responded to my many recorded requests left on her voicemail to remove and replace XXXX XXXX. Should this latest attempt fail to resolve this issue I will file a formal suit for punitive damages of a minimum of XXXX XXXX dollars.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with Fair Credit Reporting Act, XXXX  Account XXXX XXXX  XXXX XXXX account number # XXXX ( {$1500.00} ), Has violated my rights. 
15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MN)

I bank with Chime. One day when trying to log into my account I get an error that says there has been unusual activity and they need me take photos of my ID and a selfie to verify my identity. Trying to do this with the app doesn't work and I am met with an error message that says " Yikes, that didn't work. '' I reached out to support via phone and was told to email their support team. The support team repeatedly asks me to try to verify my identity via the app. I keep telling them it's not working. They then send me a link to a dropbox where they would like me upload photos of my ID, a selfie, and a photo of me holding my ID and a piece of paper with my name and today 's date on it. 

I completed all these steps and was told the access to my account has been restored. I then try to log into the app and am met with the same error message that I got originally. I reach back out to customer service and they want me to complete this whole process again. This is a never ending cycle. I have completed this process three times now to no avail. Each email I get from them is from a different representative giving me the exact same information/requests I have been given numerous times. 

I feel like I am being cheated out of the money in my account. I have no access to my money, can't pay my bills, and feel like I am being taken advantage of. Customer service and their support staff are of no help as I can't even maintain a email chain with the same person. I just keep getting passed around to different representatives telling me the same information.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

Refinanced my student loans thru XXXX but I ca n't get them off of my credit report I do n't owe them any money and when I dispute them keep coming back with I do n't why we are on your report.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

The complaint is against Bank of America. My checking account is with XXXX XXXX  and in XXXX I made out check # XXXX for {$660.00} to XXXX Card and I mailed it to XXXX Card to pay the credit card bill. That check was stolen and Bank of America allowed it to be deposited into an individual 's personal account. 
When I realized this I spoke to XXXX XXXX  and submitted an affidavit dated XX/XX/2023 providing the facts of the case. XXXX XXXX Bank of America who said the investigation would take XXXX to 120 days. On Monday XX/XX/XXXX I called Bank of America and spoke to their Fraud Servicing Department. The representative said she would check on the status but returned a few minutes later and told me they would not talk to me but would only talk to my bank ( XXXX ). On Tuesday I heard from XXXX XXXX  and was told that they had called Bank of America on Friday ( XX/XX/XXXX ) and Bank of America XXXX said the investigation would take another 90 days. 
In XXXX I learned that another credit card payment made in XXXX had been stolen and deposited into someone's personal account in another bank. I prepared a similar affidavit to submit to XXXX and in less than 3 weeks the other bank refunded my money. 
The Post Office, Prosecutors offices, and even AARP are reporting skyrocketing thefts of checks put in the mail. This means that Bank of America may have hundreds or even thousands of cases similar to mine that they are just ignoring and keeping our monies. 
My suspicion of this is of course increased after having read of your investigation and findings of unscrupulous practices by Bank of America in their dealings with their own clients. I am not a client of Bank of America so they may feel free to treat me and others like me with a feeling of immunity.
Consumer complaint received 2016-09-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bronstein & Weiss Arbitration (GA)

Receiving threats from Bronstein and Weiss Arbitration to sue and collection attempts on a pay day loan that was included in a 2013 Chapter XXXX Bankruptcy. Also threatening to contact the courts and my employer.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

In all the documents I showed time stamps of when the fraud occurred, actions taken at that time and the location of where the purchases occurred. You can see multiple new device log in information from someone with and XXXX in XXXX. They changed both my password, pin and added my payment info to different wallets and emptied all 3 of my accounts within 30 minutes. The person who called me said they were with Chime, even the same customer service number displayed on the caller ID. " XXXX '' The password and new pin were provided to me when I noticed something wrong, upon checking my account 8 transactions of the same dollar amounts empting everything I had. I then called the Chime number back XXXX and the new rep I spoke with had no idea what I was talking about. This is fraud!! Chime has denied my request to reverse the charges stating no error had occurred even with proof provided.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX-Acct # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i am writing today because i have previously disputed this account referenced in this dispute not only have you not deleted this inaccurate account from my report but you didn't even mention in this consumer statement that this account was in dispute as you are supposed to. the law says that if a consumer disputes an account you have to write that this account is in dispute since you have not done so it leads me to believe that you have not conducted an investigation at all, why is it so difficult to get things done by you it feels like every time i send a dispute that it is a wast on the postage fees it feels like i am just sending a dispute and your computer sends me a letter that says verified without you guys doing anything. why is it so? why cant you do your job and conduct an investigation. plus you violated the law by not adding a statement that this account is in dispute.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX  account linked to address in police report not mine, XXXX XXXX XXXX XXXX XXXXXXXX was opened during covid fraudulent late payments poster please remove, XXXXXXXX XXXX late payments remove please, charging me late fees, but posting late payments 3 months after due date after extension agreement to make all payments current. 

extensive violations on open sky showing balances, showing late payments and repossession codes on a credit card, after card or account was closed
Consumer complaint received 2017-05-13
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. (NJ)

I called  XXXX  about an inquiry on   XXXX   and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my report.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

This company purchase this alleged debt from a previous debt collector that was not able to validate this alleged debt. This debt does not even exist and was not originated by me. I notified this debt collector with a Cease and Desist because the debt does not exist and I notified them specifically in writing by mail that I REFUSED TO PAY THIS ALLEGED DEBT that CREDIT COLLECTION SERV purchased from another 3rd party debt buyer. XXXX XXXX XXXX and I never engaged in any form of business and I never contractually signed any legal obligation binding me to any alleged debt that you placed on my credit. Therefore you do not have any original documents bearing any of my signatures, as well as there is no record of an account belonging to me with the original creditor listed on my credit report. I XXXX XXXX am enforcing my federally protected rights as a consumer, from this point forward. Credit Collection Serv is to CEASE and DESIST further communication with me and shall not communicate further with me with respect to this alleged debt in any form or fashion through any medium. This Cease and Desist includes but not limited to any collection attempts and or reporting of this account to any CONSUMER REPORTING AGENCY, which amounts to collection attempts. To be clear the law clearly states ( if you are unaware ) the following : 15 USC 1692c ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. So therefore I am exercising my rights PURSUANT 15 USC 1692 ( C ). And if you are unaware of the definition of communication under FDCPA / FCRA it is defined as follows : The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes any oral, written, electronic, or other medium. For example, communication may occur in person or by telephone, audio recording, paper document, mail, email, text message, social media, or other electronic media. You have no permissible purpose by law to contact me or any 3rd party, with my private or personal information. You also do not have any consent to access any of my consumer reporting files with consumer reporting agencies. If you do, your offenses will amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2017-03-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates, on behalf of XXXX XXXX, will not submit the verification information requested to validate that this is a debt owned by me. They did send me copies of bills with no charges and only balances being mailed to an address that I have never resided at, but no application for me to verify signature or other signature information. I have requested this information twice to no avail from both PRA and XXXX.
Consumer complaint received 2022-11-14
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: TRUIST FINANCIAL CORPORATION (DC)

Trying to pay the bank with and was refused payment because of charge off. Could not explain why it was a charger try to re-establish relationships with the company. To find out further that my account was still in charge off static. And to find out they view me as a deceased individual.