davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CT)

When wells fargo owned my mortgage they foreclosed, after refusing my full payment due to be current. I had carried over half a payment due for two months ; all the while communicating a hardship I was working to rectify. I spent two years in court mediation fighting for the modification program I was promised that would happen in 90 day time frame. Their underwriters never did their job and I had to provide profit and loss reports over the two year period every time i had a court date yet their underwriters were never prepared to make an offer and rewrite my mortgage with a lower interest rate as promised.

after two years and my mediator actually retiring the new mediator lost it on wells and they came back with an offer of a 40year mortgage instead of 30yr at a higher payment amount! I refused and the new mediator only looking at how long wed been in court told me to take the offer or the court would not protect me anymore. I was only offered that one deal and the mediator would not listen to the fact Id be XXXX XXXX XXXX and still paying a mortgage that this was no modification it was gross misuse of power. How do I fight a bank? 
I have been paying this mortgage consistantly since the whole modification issue. I have not faltered on payments since. It was an isolated incident with a client pulling out of a three month project.

I truly believe wells fargo owes me for all this interest and the problems it cost with my credit. I saw they are finally being held accountable and I want to be heard. I have EVERYTHING from court. I can prove how crocked the entire situation and process the wells fargo was using. I am a bookkeeper. I run three offices. I keep impeccable notes. Please help me.
Consumer complaint received 2019-01-13
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (TN)

There were 3 private student loans opened during the time of XX/XX/XXXX-XX/XX/XXXX. These Navient account has been delinquent since XX/XX/XXXX. They were originally Sallie Mae, when Navient took over in XX/XX/XXXX/XX/XX/XXXX they stated that i made a year of good payments and then charged them off. I have since disputed the good payments and had then removed however this will still be appearing on my credit bureaus till XX/XX/XXXX. these should have fallen off in XX/XX/XXXX. Per the fair credit reporting act these should have fallen off seven years after the date of first delinquency and not the date of last payment. Navient is trying to re age my accounts in order to keep them on my credit report longer, which is illegal. I fully give the CFPB permission to speak with Navient on my behalf about these student loans.
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (IL)

Harris and Harris has been constantly calling and not allowing me to pick up, so it goes to voicemail, then I have to navigate their XXXX  to be able to speak to someone, the lady I last spoke to today was rude and condescending, then hung up on me instead of getting the supervisor. Today 's call was at XXXX XXXX  on the XX/XX/2024. These calls have been ongoing for a year now, every time they say they will place my number on a list to not call, but they keep calling cause they're morons. I DONT OWE ANY DEBT! but these morons keep calling and making me call back. It needs to stop now!!
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-07-27
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. (FL)

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion recently reported a wrong address to my credit report. 
The wrong address that needs to be deleted is : XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/XXXX I went in store at XXXX XXXX to return an incorrect item I received via an online order ( incorrect item shipped ). The correct item was no longer available. Because the store did not have the correct item to scan for the return, they called customer service and the representative on the phone said she would credit my account the {$42.00} paid ( original charge date of XX/XX/XXXX ). However, that was NOT done. I have spoken to two representatives on the phone and an in-store associate at the XXXX XXXX XXXX location in XXXX, OH and no one has fixed this issue. When the correct item was sent, the receipt said I paid {$0.00}, so I cant even return that! 
When I tried to use their secure message center and typed my message THREE times, it said it was not sent due to an error. It said to call the number, and the number said their office was closed!
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a victim of identity theft yet the company has decided against me to keep my account open. I have been trying to fight this case for the past 2 months and I have now had enough of trying to fix this with them. I will be attaching a letter in detail describing my situation and the laws they violated as well. I have legal representation prepared incase the outcome is not satisfactory to my desired outcome of this situation. They are violating my rights as a consumer and denying me an account that I did not commit fraud under which is a major violation under these laws : 1. 15 U.S Code 5 1642 2. 15 U.S Code 6 1681M 3. 12 CFR 1002 I have previously submitted a complaint via CFPB, XXXX  and the Attorney General of California yet I was still denied. This will be my final attempt before I seek monetary compensation and pursue in litigation for defamation of character and mental anguish/trauma under 15 USC Section 1692d.
Consumer complaint received 2020-11-06
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: T.S. Holdings (TX)

Greetings, In XX/XX/2020 I mailed a " Pay In Lieu of Deletion Letter '' certified return receipt to I.Q. Data International. It is now XX/XX/2020 and I have not received a response of any kind from I.Q. Data in response to settle this debt. XX/XX/XXXX has deleted this item months ago from my credit report after completing their investigation however I disputed it with XX/XX/XXXX XXXX XX/XX/2020 ) and the dispute result was an Update not a deletion. I am confused I followed the proper protocols in validating the debt, requesting proof that I.Q. Data has the legal right to collect here in TX however I am left to wonder if they do not actually have a right to collect here in TX at all and perhaps they have provided false misleading information to Consumer Finance and myself. I am requesting a full thorough investigation as to IQ Data 's " legal right ' to collect this debt in the state of Texas because I have not received any progressive/ forthcoming honest communication back from IQ Data attempting to resolve this debt they have claimed/validated that I owe. 

I would like to file a complaint against XX/XX/XXXX for not properly investigating and deleting this and against I.Q. Data for claiming they have a right to collect debt here in the state of TX however did not in good faith respond to my " Pay in Lieu of Deletion Letter ''. I am left to believe that I.Q. Data is fraudulent and XX/XX/XXXXas well for not doing their due diligence to correct this they are behaving in a malicious manner acting as cohorts intentionally causing damage and harm to my credit.
Consumer complaint received 2024-05-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Kentucky Housing Corporation (KY)

I called for options as FHA relaxed their rules and wanted borrowers to get options. I called Kentucky Housing Corporation and they would not accept my payment and would not offer any options to me
Consumer complaint received 2019-01-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lending Club Corp (VA)

I have addressed this fraudulent account previously with both CFPB as well as The Lending Club, unfortunately, the complaint is closed by CFPB immediately upon receiving a response from the company regardless if the issue remains unresolved. This is not an account opened by me. The company responded in XX/XX/2017, indicating that I have not provided them with the required documentation, which is FALSE. I have been in contact with your investigators and have submitted all the information above once again on XX/XX/2017. On XX/XX/2017, I was contacted via email by Mr. XXXX XXXX, who stated he had not received the requested affidavit, I reminded Mr. XXXX that the required documents were sent to his inbox ( XXXX ) on XX/XX/2017. Mr. XXXX responded and stated that he required an incident report be filed as well, I replied informing Mr. XXXX that an incident report was not something I could furnish as per my notarized agreement with the Individual responsible, ( which I provided to the Lending Club ), in exchange for her admittance, I would not file charges. I have not heard from Mr. XXXX, nor any representative from The Lending Club since. The Lending Club has a copy of the signed agreement and all documentation, so I am unsure why they are requesting me to violate a notorized statement. 

This situation has dragged on for many years, and I am desperate to put it behind me. I am willing to work with the company, as I've always been, to come up with an agreement to resolve this issue once and for all. The entire ordeal of having someone extremely close to me cause such chaos, and turmoil in my life financially, mentally, emotionally and professionally has been tough to move past, especially with the remnants of her actions lingering on my credit report, military, and XXXX XXXX record. I ask The Lending Club to work with me to come to an agreement that is both fair and satisfactory to both, the company and myself so this situation can be put to an end once and for all. 

I look forward to hearing from representatives of your company. 

XXXX XXXX
Consumer complaint received 2022-07-27
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: Great American Finance Co (IL)

In accordance with the Fair Credit Reporting act XXXX Great American FinanceXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I submit a complaint yesterday as well. In short a garnishment was taken out of my account without me being notified at all from the law firm, so my account is currently negative. In addition to having all of my funds taken right out of my account I had a " legal processing fee '' for {$120.00} on my account causing it to go negative. My issue is that my bank should be protecting me and not dipping into my account and taking money that does not exist, and then attempting to charge me overdraft fees for them over drafting on my account. I have already expressed my concerns with the bank but this needs to be resolved immediately or I will be taking my service elsewhere. To me it seems like taking advantage of someone already in a poor financial situation and I will not stand for it. 

Aside from the legal service fee and my bank over drafting on my account I had been informed today that the funds had already been processed and removed from my account for the garnishment. I 've done a lot of research and know that legally I am supposed to have a 2 day period where my funds are frozen, which did not happen, it has not even been 24 hours. During this time period I am supposed to receive paperwork for possible exemptions from garnishment from my financial institution which I have not received. I check my mail daily and open everything I receive from my bank, including bank statements. I am fully convinced this is illegal, since they have n't taken the necessary steps required by my state to allow someone to garnish money from my bank account. I have contacted an attorney regarding this matter. 

This charge was not on my account for this processing fee until yesterday evening, whereas some of the transactions that are still processing were from the day prior. I also believe the charges were applied to my account incorrectly in an attempt to cause me to incur additional fees and thus for the bank to collect more money from me. 

I am filing this as a follow up complaint to exercise my rights as a consumer and to express my further concerns.
Consumer complaint received 2022-07-15
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)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the items that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00}.
Consumer complaint received 2019-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (NY)

In early XX/XX/XXXX I received an offer from US Bank/REIMastercard with a limited time offer of {$200.00} gift card, 0 % introductory apr on purchases and balance transfer for 18 billing cycles offer made within 30 days of opening account, so XX/XX/XXXX I applied and was approved on XX/XX/XXXX so last week I go to do the balance transfer and once I hit the complete button I get a message to call customer service regarding completion of the request, so I called the number on the card and speak to a representative from US Bank and was told that I only had one offer and that was for {$100.00} dollars REI gift card not the intro balance transfer I was speaking about and the she told me that she could not assist me any further and transferred me to the underwriting department, who wanted to know why I was transferred to them I explained my situation again and was told to call back in three hour and they would be able to tell me if such an advertisement could be sent out, well I see I was going to get the run around so I decided to contact you agency for assistant.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Goal Structured Solutions, LLC (CA)

My credit report says " LAUNCH SERVICING LLC '' reported a new account with late payments of {$10000.00} that I don't believe I have. They reported that on XX/XX/year>, and didn't say how much total is owed in the account, just that I'm late on {$10000.00}. It honestly all sounds pretty fishy. I will also note that I had my wallet stolen with a copy of my social security number in it and all my credit cards back in XXXXXXXX XXXX XXXX. I called the police and knew who did it, a XXXX XXXX, but no one could help me recover it. They used my credit cards and I canceled and disputed those charges. 

I've already made this consumer statement with XXXX XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. '' but they didn't remove it from my credit report.
Consumer complaint received 2023-08-07
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: JPMORGAN CHASE & CO. (DC)

Received two letters with action from Chase Credit Services on XX/XX/2023 and XX/XX/2023, saying to protect my personal information. It said the Chase staffs are concerned someone may be using my personal information fraudulently and declined an application because of this. It said that identity theft happens when a criminal gets my personal information and tries to steal money from my accounts, open new credit cards, apply for loans, rent apartments, and commit other crimes all using my identity.
Consumer complaint received 2023-08-07
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: CITIBANK, N.A. (NY)

On XX/XX/2023, I got three emails saying my XXXX XXXX XXXX online account was changed by someone else. I couldn't log in and went to the bank the next day to reset my credentials, but they were stolen again. After another reset, I downloaded XXXX and found malicious credit accounts in my name. XXXX showed more unauthorized accounts. I think my SSN and ID were taken. My XXXX was hacked, losing {$300.00} to scammers. They kept making unauthorized transactions. I deactivated my XXXX XXXX XXXX cards. 
I reported it to Identifytheft.gov and the report record is attached here.
Consumer complaint received 2024-05-19
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (MO)

I first sent the collection on my credit on XX/XX/2023 I then reached out to the debt collector requesting information on this debt on XX/XX/2023. I was told that I Owed the XXXX XXXX XXXX XXXX. I advise I was not sure who this company was and how did the get my personal information I was told that the debt was sold to National Credit Syatems on XXXX. I advised I was not aware of this date and I would return the call at a later date because the person I was speaking to was rude and disrespectful she advised that my credit would be ruined if I didnt pay this full amount of XXXX I advised her that I didnt have that type of money and would call back after I verify this debt. Then on XXXX I called the company back asking for supervisor. Spoke with a supervisor she was also threading to ruin my credit advised the supervisor I dont have that type of money and asked if there was something else I could do to get h I didnt make the full payment in full ended the phone call the so this company does not set up payment arrangements. So I offered 5 % of the debt I was turned down. Im living with someone because of this debt on my credit is in dismay and I cant get my own place with this debt
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Closed my account debit card XXXX on XXXX XXXX, 2020. My SSN is XXXX & my address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My cell number is XXXX. My name is XXXX XXXX XXXX. Ive waited over 2 weeks to get my replacement card since I reported my card stolen.
Consumer complaint received 2020-12-16
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)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.