davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

In Approximately XXXX of 2020 my Mortgage Servicing co. Fay Servicing Offered me a forbearance due to the Pandemic and loss of income as my job put a group of us in standby status. No work, no pay. They refused a deferment said it was for veterans only. Didn't let me start paying current amount and defer the late payments. Wouldn't let me refinance either. The forbearance was two 6 months terms which was a year. At the end still refused to refinance and told me 3 to4 different stories about refinancing. One was 3 months into the mod, next 6 months into mod last 1 yr into mod before I can refinance, Although they said and the paperwork said that refinance was one of the options from the start they told me and the beginning of the mod that they didn't offer me a refinance was because i didn't ask for one. That was so untrue. Halfway through the mod trial period, which I had no choice but to accept, they threatened me with foreclosure. I called they said that the letter was a formality, not to worry they do that until the final trial payment is paid. Again, they refuse refinancing, so I started looking on my own and when they found out they sold my loan to XXXX XXXX. XXXX said they had no record of the loan. It.s has taken until today and we still have no resolution because XXXX is saying the mod have changed but they don't know what to or why. They said they are launching an investigation but there actions are somewhat suspect also for accepting a questionable mortgage and never calling me about the mortgage but now tells me its in-foreclosure status because for 3 months they can't accept payments because something has changed and they don't know what or why, yet they want proof from me that payments were made even though they said the can see the payments were made. Its a ploy to get me behind and then try to take my home because the games they are playing. It's deplorable and need to stop. The stress and expense I am going through haven taken a toll and I want it stopped, corrected and compensated.
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SERVISFIRST BANCSHARES, INC. (AL)

To whom it may concern on Friday XX/XX/XXXX I picked up a check from a company that I do XXXX  work. It was for XXXX dollars. I went to servifirst bank to cash the check and pay my XXXX as I have done every Friday for almost 2 years. I was not on the jobsite for the week of the XX/XX/XXXX through the XXXX due to being at home XXXX with XXXX. On Friday XX/XX/XXXX when it was time for me to pick up my payroll check to pay my subs from the company I have been doing work for, I was informed that they received a call form XXXX at that back and I had left with an extra XXXX dollars and that if I did not go into the bank and pay the XXXX back that day that I would be arrested and that other bank employees would lose their jobs. The called the company that I worked for and told them that I had knowingly left with the money. I counted my money twice and even though the teller had given me an extra XXXX you clearly see me push the money back over to him and tell him there was too much money. I left the bank with the exact amount of the check that had been written to me by peridiso minus the XXXX  dollar check cashing fee. When I went into the bank on the XXXX they told me that I could only see partial footage and for anything more I would need a suponea but they let the companys owner I sub for be present. I along with XXXX of my employees are now out of a job due to this. Please tell me how I can get this resolved and get my money back.
Consumer complaint received 2021-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (VA)

To Equifax To XXXX To XXXX XXXX XXXX.D.O.B. XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXX number : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of Convergent Outsourcing. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and Convergent Outsourcing to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requested ... PLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
Thank you XXXX XXXX
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela has lied to me and many other borrowers about turnaround time. I am afraid they will not refund my loan, that by law, they must refund if during the COVID-19 Pandemic ( within the last year payments were made ). I have tried calling and been on the phone for hours. I dont know what to do, they have lied and many people are having problems reaching them. It has been close to 50 days since I talked to them.
Consumer complaint received 2022-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind. They need to take this complaint seriously or I will have no choice but to file for litigation.
Consumer complaint received 2022-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/22, I received what I believed was a text from Chase regarding a Fraud Alert regarding a XXXX payment of {$2000.00}. I selected No, that I did not make this payment and immediately a " representative '' from Chase called me. In order to correct this, we walked me through steps to add myself as a XXXX Payee and pay myself the {$2000.00}. I did as he requested and then I received an email from XXXX XXXX  that they were confirming a transfer to him. I immediately went to the Chase Bank in XXXX and they said that they had the information with the person 's name and last four of his XXXX XXXX account number but there was nothing that can be done. This is absurd! Why does Chase offer services on their website that they do not support? This was a fraudulent transaction. I thought that I was speaking to a Chase representative. Chase even confirmed that they sent me a Fraud Alert text, but they will do nothing to help me retrieve the {$2000.00} that I was scammed out of.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

On XX/XX/2022, I sent payment to Discover Payment Center at XXXX XXXX XXXX XXXX AZ XXXX via USPS. I used the negotiable instrument given by Discover Financial Services via payment coupon attached to the billing statement and endorsed it as directed via the Bill of Exchange Act. This payment was delivered and received by Discover as of XX/XX/2022. The company has yet to apply the payment to the balance, and settle the account. I am aware that if the bill is dishonored, there is discharge to the extent of the amount of the tender pursuant to UCC 3-603 Tender of Payment.
Consumer complaint received 2022-10-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$21000.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$120.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$110.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2022-01-24
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: Resurgent Capital Services L.P. (VA)

made it very very clear i have had medicaide since 2008 since being on XXXX there should be no medical bills in my name and i have XXXX co pay!
Consumer complaint received 2022-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (WA)

Over the past several months, beginning in XXXX, I have been calling in several times a week to speak to my account officer assigned to me during the forbearance period. Within this time I have written in to XXXX, XXXX XXXXXXXX Complaints and have not received any assistance with a loan modification signed and notarized to bring my Mortgage payment down, my interest rate down. I called XX/XX/XXXX, XXXX, XXXX and XXXX along with XX/XX/XXXX and XXXX each of those calls escalating my case because they could not do anything but wait for a review and a supervisor to call me back. 
Calls in XXXX, XXXX, XXXX and XXXX had the same response as well as XX/XX/XXXX, XXXX and XXXX and throughout XXXX. 
I was not offered the XXXX  for reasons US Bank was an option they decided who would be hand picked to allow into the XXXX so I had to settle for the Modification that my assigned representative XXXX XXXX offered in XXXX of XXXX. A notary was sent to my home and on XX/XX/XXXX, I received another letter stating of confirmation of this modification, yet I am XXXX and I pay an increased amount of XXXX well over my original mortgage due prior the forbearance and above the XXXX agreed upon with a 3.25 interest where is was higher prior. 
I am not in a position to pay the increase US Bank imposed. I am have been told US Bank was not honoring the modification on XX/XX/XXXX. The representative advised me he would call me back within 2 days with the reason why, and he again, did not. 
I am being discriminated against since I filed a complaint with CFPB for the XXXX not being offered. No one at US Bank is able to assist me after multiple recorded calls and email receipts and various letters. 
I spend approximately 2 - 4 hours a day attempting to get assistance, and no one at US Bank is authorized to do so on my account.
Consumer complaint received 2022-01-24
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XX/XX/2020 I purchased 4 XXXX airplane tickets for my family from Bank of America through my Bank Of America travel rewards points in the amount of XXXX points, plus XXXX $ difference paid from a different credit card. Tickets were for XX/XX/2020 and because of COVID pandemic I was not able to travel. XXXX gave me vouchers for the amount spent to use within 18 months. Still because of the pandemic I was not able to use this vouchers and XXXX allowed me to get a full refund for the tickets originally purchased but stated that the refund had to be released from Bank Of America, which in this case played the role of travel agency. After tens and tens of attemps and stressfull and time consuming hours over the phone Bank Of America has still not refunded me the points and the amounts paid for the tickets.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (OH)

I have filed a FTC report last year for fraud Because there was a fraudulent card opened in my name with DISCOVER With a credit limit of {$9000.00}. The card was removed off of my consumer reports however I received a few letters from an attorney from DISCOVER. This account is not mine. I am attaching a new FTC REPORT in hopes to get this account resolved. Please remove my information from your company as I do not have any cards with you DISCOVER.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Under Fcra sec 623, all data reporting must be 100 % accurate, complete and verifiable. After reviewing my credit file I noticed that XXXX XXXX XXXX XXXX is reporting in accurate late payments during the term of the loan and have reported late payments after the loan was closed. I have made several attempts to correct the situation but to no avail. The account was closed and paid in XX/XX/XXXX. The account is showing late payments for XX/XX/XXXX which has to be in accurate if the account has been paid.
Consumer complaint received 2022-04-08
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: WELLS FARGO & COMPANY (GA)

Dear CFPB,, I am contacting you with hopes to get some resolve with my issues that I am having with identity theft and trying to demonstrate to these companies XXXX XXXX, and Wells Fargo, XXXX and XXXX that my identity has really been used and was used making transactions with my name and not by me or my behalf. I've sent my drivers license, and more to prove I am who I am and not anyone else Both are the only two that seems to be ignoring the fact that I am sending every document under the moon to get help and remove the negative information with XXXX XXXX stating they called the police department. Not sure how they even stated what they got because here is the actual report again. Maybe this will demonstrate that what I am saying is in fact honest and true. 

Today XX/XX/2022 I received a letter from the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX because of my identity being stolen and that a payment was schedule to be sent because they had " ALL '' of my information including banking information. They filed on behalf of me using my name and had a dependent child and I now have to do another affidavit and police report with my identity. It doesn't get any more official than this and this and I have been plagued with this for several years now. I work, have a W2 and it's scary to see what is continuing to happen to me and I haven't filed my taxes yet. 

Attached are the IRS documents and as we speak I am initiating a new police report because of this situation as instructed by the IRS who also says to report this to all three of the major bureaus. In the case of XXXX XXXX it shows that you have transferred the account with this fraudulent account please send me the documents used to open the account please! if not I kindly ask that you not report this erroneous information with the purpose of continually destroying my credit worthiness. Wells Fargo I ask that you do the same. If you both can't please delete and I send this to you with my original filigns because it illustrates what is still happening to me. 

This time they used my personal information to file government taxes.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Abrahamsen Ratchford, P.C (ME)

XX/XX/2022 report was pulled because I'm trying to buy a house previously and the company wasn't on my report when pulled previously then I was told on this date they were. I called company listed and they passed off to Ratchford Lawyer. Spoke to them as well on XX/XX/2022 I said this debt was paid can you send me in writing the amount owed for proof. They agreed. I've been waiting a month now and every time I call them or original creditor they say they can't accept my money because I dispute then after I get some letter they can allow me to pay. I call at least once a week since XX/XX/2022 and they deny me paper and " letter is coming '' I said it takes a month? " I guess so '' so I finally said I guess you don't want to be paid and hung up on XX/XX/2022. This is holding me back from approval for a mortage. They have never called me nor sent me anything until my credit was pulled for a mortage. Even now they don't call me. The creditor they bought debit from sends me offers for credit!? I just want off my credit and they will not work with me and refuse payment so stop reporting!! Can you please help me?
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

Issue # 1 : Mortgage payment for {$1500.00} mailed on XXXX XXXX. 
Check reported not received by lender on XXXX XXXX. 
Funds were wired to replace lost check. While confirming wire had been done with lender I asked them to verify one more time the check was not there. They found the check after the funds had been wired. At that point I placed a stop payment on the check. 
I was not charged any fees by my bank. I was told by customer service that there would be no charge and that the supervisor would call me back. 
That did not happen. 
I received my new mortgage statement for XXXX and there was a {$25.00} returned check fee, but no returned check. 
I called XX/XX/XXXX and once again I was told the supervisor would call me back within 24-72 hrs. 

Issue # 2 : In XXXX of XXXX, I was charged a fax fee of {$5.00} for considering a refinance. 

Thank you in Advance for any help you can give me. Please advise.
Consumer complaint received 2022-01-24
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: Experian Information Solutions Inc. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-24
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.