davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-18
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: EQUIFAX, INC. (MS)

I have submitted several letters requesting Method of Verification to Equifax regarding an account listed on my credit report ; XXXX/XXXX  but never received a thorough method of verification just a generic response that the account belongs to me. The account does not and is listed as Bad Debt placed for collection but is not a collection on my account. They also have the following remarks on my account ; Account Transferred Or Sold Charged Off Account Charge Variable/Adjustable RateAccount Transferred Or Sold Charged Off Account Variable/Adjustable Rate Amount In High Credit Is Original Charge-Off Amount. As we all know that any account that has been charged off and sold to any collection company should not have any amount. These remarks along have decreased my credit score which makes absolutely no sense when I have repeatedly advised Equifax of verification of the debt and never received a response. According to the FCRA they are suppose to provide their method of verification or remove the account from my credit report. I only receive generic responses because they are not doing a proper investigation and only utilizing XXXX to verify the debt based on name and address alone and I have been a victim of Identity theft. Which they also receive the FTC report from me but still refuse to remove the incorrect item. I am requesting that Equifax removed this account from my credit report within 10 days if they do not provide me with their method of verification.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc. (NY)

XX/XX/2022 had a preauthorized amount of {$1100.00} at XXXX XXXX XXXX XX/XX/2022 Coinbase received the final amount submitted by the vendor of XXXX XXXX was opened with Coinbase to fix the issue shortly after XX/XX/XXXX. Coinbase refuses to settle the final charge, withholding the excess amount plus a 2 % card reward, refuses to give any basis for this decision and has caused a great deal of emotional and irreparable damage to me. At the moment of this writing I am still being told to wait. Please help.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

I had a balance of {$200.00} in XXXX which is paid off {$200.00} in full. Only XXXX cents remaining and i didnt even get any email notifications or call notifications to pay it off and 2 months later today they call me and say they are trying to collect debt of {$100.00}!!! They charged me {$100.00} for XXXX cents!!!! This bank is the worst kind of scammer i have ever seen!!! They stole my money and on top of that the customer representative agent in charge of the homedepot credit card department, XXXX, was so rude to me saying you didnt pay off your balance so who is to blame-pay on time and you wont get charged unbelievable!!!! Who hires these rude imbeciles!! I will never recommend this bank to anyone and i will keep reporting until i see some serious legal action taken against you frauds!
Consumer complaint received 2019-09-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

We went through the trial payments and completed the notary portion of the modification when we went to make a payment a month later we where told that the paper work was not correct and did not receive any notice on this issue we called back and they emailed me a new document to get filled out again we went to a judge and banker to make sure this was filled out properly and sent it in next day air ups a couple of days went buy and we got a notice the house was being put up for sale on XX/XX/XXXX that is only 5 days a way we have been in this position since XX/XX/XXXX we hired a attorney who is working on the sale dat to cancel it so we can go through this process again this will be the 3rd time with this bank we have completed 3 trial plans with a total of 9 payments we also trusted a company that charged us for a forensic audit they claimed we needed the company was home owner retention company in XXXX XXXX as well as there attorney we fired them and refuse to pay remaining fees they messed this up so bad now we had to hire a new law firm and they are good but we lost a lot of money and sleep. We have had a hard time my wife has XXXX we lost Family members to XXXX and my XXXX son got XXXX XXXX XXXX XXXX after a XXXX XXXX playing collage XXXX. it has been very challenging but now we are ok and need help.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONWIDE MORTGAGE BANKERS, INC. (NJ)

I was promised a healthcare worker discount of {$1500.00} and was informed 24 hours prior to my closing date that because the sellers rushed up our closing date they dont have the time to process this discount unless I push back the closing date by another week, which is impossible to do with less than 24 hours notice. While, yes, the sellers rushed the closing date, weve been working with this company since XXXX and they had promised back in XXXX we would received this healthcare worker discount. They also acknowledged the discount as recent as last week. Complete false advertisement and lack of professionalism. They also were rude, dismissive, and discourteous throughout the entire process.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

From the dates XXXX through XXXX, multiple ATM withdrawals took place of large amounts. 2 checks were deposited into my account that i did not authorize or deposit, and those checks were then withdrawn through multiple ATMs. A total of {$21000.00} were deposited on XXXX different checks that were not authorized by me Wells Fargo took some of my information and grabbed the account activity, which 2 weeks later they told me the fraud claim was declined. I called them and they then took more personal details ( hair color, height, weight, race, age, facial features, etc ). I just received another decline on the fraud claim after they did their further investigation. Ive never had any account activity like this since ive banked with Wells Fargo over 10 years so this shouldve raised red flags to them, but it did not and now they are penalizing me with owing the money that was withdrawn after the check was deposted.
Consumer complaint received 2023-03-29
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. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-10-06
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. (FL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2018-05-16
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. (GA)

I have repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.
Consumer complaint received 2023-03-29
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. (VA)

I have XXXX XXXX credit card, issued by XXXX Bank. However, the same account is showing up XXXX  on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it.
Consumer complaint received 2021-07-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have reached out to the bureau and asked them to remove inquiries that doesn't belong to me. Here they are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IL)

This is in reference of a letter claiming I OWE a debt from you all that i do not claim. Also, it was a threat made at the end of the letter that claimed if I do not respond to you all you will tarnish my credit report and report that unidentifiable .From my knowledge you are breaking multiple laws that will be enforced.We do not have any contract formed that you should be contacting me this is invasion of privacy because I do not know who you are and for you to say that I owe you anything being that you are a debt collector is another form of violation containing the FDCPA law .Every violation found is XXXX dollar violation please remove a ; l information yuou have associated with me immediately.
Consumer complaint received 2023-03-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I have filed a complaint about Wells Fargo on Several occasions and they comeback denying the have done anything wrong. So now I will attach proof of those lies and making it known that the initial filing of foreclosure in XXXX of XXXX was done at the same time I was in active loss mitigation with Wells Fargo and that the hearingnnthat took place in XXXX of XXXX, after the servicing of my loan was passed onto XXXXXXXXin XXXX of XXXX, was done at the sametime I was in a forbearace plan and is a direct violation of the dual tracking law which prohibits any foreclosure action. Furthermore it is stated in the documents sent to me that while in forbearance no further foreclosure action will take place. Proceding with any more foreclosure activity based on a hearing that in itself Violated Federal Law which gives no credability to the results of that hearing, is knowingly pursuing an illegal foreclosure.
Consumer complaint received 2019-05-05
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

My debt is rental debt from an apartment complex for XXXX XXXX at XXXX XXXX. I called the company IQ data international inc. to inquire on repayment plan to repay the money owed. The account manager of my account was extremely rude. He was threatening me harshly which violated the fdcpa law with the false actuations and vulgar language. He then put me into a status of refused to pay which isnt true. All this just because he did not want to work with me. I was extremely calm and polite thought all the verbal abuse from the debt collector. He then he disconnected the call. I called back trying to resolve my case and get on a payment plan to repay the debt. They offered me onto a payment plan of XXXX $ a month for 6 months. No other options where available. I know they do not have to be super nice, but I would like for my call to be pulled and manager reviewed for the way that I was treated. Thank you for your time.
Consumer complaint received 2023-07-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Placement Services, LLC (WI)

1. XXXX XXXX XXXX XX/XX/XXXX {$1100.00} {$240.00} {$35.00} {$100.00} XXXX XXXXThis balance needs to be removed from my credit report. My insurance covered it. 


2. Professional Placement Solutions XXXX XXXX {$680.00} {$600.00} XXXX XXXX This balance needs to be removed from my credit report. My insurance covered it. 


XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX This balance is inaccurate and it needs to be removed. 
{$660.00}. 



They called every other day with threatening phone calls. In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc (CA)

XX/XX/XXXX To Whom It XXXX Concern : I have submitted a dispute on a Debt with my Primary Care Physician who does not have any record of this debt. The reporting group is the Financial Credit Network of XXXX XXXX. I challenged this debt and believe it to be fraudulent and all I received back from XXXX was the debt was confirmed. 

All documents related to this issue are attached. 

This is either a fraudulent charge or a debt from long ago that I am unaware of but I want this investigated fully. If it was my debt I will pay it or have my insurance pay it. I do not believe that to be the case. 

Additionally, the dates of service are constantly changing on this debt, which makes no sense other than to be deceptive. If it is XXXX debt, the date should remain the same. I have never talked to this group or company. 

Why do I make this claim of fraud ; all I can see is that this debt is from XXXX XXXX, which has been my primary care physician and has been since XXXX. I live in a small town and we have XXXX hospital, XXXX XXXX and everything goes through them, they have always been fantastic for me and my family 's healthcare needs and I have friends and family who XXXX XXXX XXXX This is a very serious issue for me. 

My medical insurance is XXXX, it is state-sponsored and I have no deductibles, all my medical expenses are paid 100 % and this enables me to NOT have any medical debt of any kind. This can not be an actual medical debt of any kind or it would be 100 % covered. 

Please find attached my XXXX XXXX card, I have been under XXXX since XXXX and remain so to this day. 

If this is a real debt it would be covered under my policy. 

I want to see the original hard copy of this debt, the dates service was received and for what and why this was not addressed by XXXX  with my dispute. XXXX is a serious issue and I demand to see what this accusation is about. And, if it were an actual debt I would want to get it resolved immediately! 

XXXX XXXX has all of my insurance information, if this debt was real, they would have no problem receiving payment from me or the XXXX of California. I want to get this resolved and I feel I am either being scammed or this is a fraudulent claim. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-06-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

First, I have been calling my point of contact with the executive office of Wells Fargo since XX/XX/XXXX and have not received a call back. That is over a month without being contacted back. Prior to this, I only sporadically heard from anyone - to include my home preservation specialist. Time is of the essence, I need assistance to become current and avoid foreclosure - and I can not get help because nobody will return my call. That is unacceptable. 

Second, I applied for the first loan modification we had submitted back in XXXX - XX/XX/XXXX and it did NOT include all sources of income we submitted for the application as a previous representative reported to me. First, XXXX XXXX, our first home preservation specialist, advised us to only put XXXX   income on the application for assistance and to send in ADDITIONAL non-borrower financial contribution sheets for XXXX ( wife ), XXXX mother and XXXX father who also lived in the household. That means THREE additional incomes were NOT included and they should have been, as rhag paperwork was sent in. While XXXX was unemployed, he was collecting both social security and VA retirement which equated to nearly {$3000.00}. XXXX worked full time with a monthly income of nearly {$6000.00}. Both XXXX parents contributed all of their income to the household which equated to nearly {$3500.00} a month. All of the supplemental paperwork was submitted for proof - I have copies and fax receipts. This means thousands of dollars of monthly income was submitted to Wells Fargo, yet not taken into consideration in the modification application. Why is Wells Fargo claiming none of these were sent and that only XXXX income was to be looked at? That is incorrect and lead to an incorrect loan modification denial ; which ultimately led to us filing for bankruptcy. Also, the application for assistance that has been uploaded on this thread for reference is blank. We did not send in a blank form. 

Next, we have submitted a new loan modification application for XXXX. I need assistance, as the reasons we were denied ; once again, are wrong. I have appealed this and sent in the proper appeal paperwork. There is several different incomes being reported. I am not longer in Chapter XXXX Bankruptcy and I am being denied a modification due to being in bankruptcy. 

Last, prior to the chapter XXXX Bankruptcy being dismissed, I tried to call and make a mortgage payment. I was told the bank would not accept another payment.
Consumer complaint received 2015-12-23
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BBVA FINANCIAL CORPORATION (AZ)

Underwriter at BBVA bank is using a credit report with a fico score of XXXX from XXXX XXXX where the real score is XXXX. I had XXXX credit reporting agency pull a mortgage credit report that shows the correct score of XXXX, XXXX points higher. I sent it in to BBVA but they wo n't consider a credit report from an outside source. They are denying my loan of {$80000.00} which is a 78 % CLTV and will only approve 70 % CLTV even though I qualify income and ratio wise. I feel there is obliviously something wrong with their credit reporting system and is denying me a loan I should easily qualify for..
Consumer complaint received 2022-10-06
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. (GA)

I sent Experian a copy of a police report verifying that the account which is listed as XXXX XXXX Was open in my name. I have explained to them that I have no knowledge of this existing account. I have provided to them a copy of a police report via fax, and email, yet this credit agency refuses to delete this in accurate report off my credit.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NJ)

Freedom mortgage raised my mortgage {$700.00}. I called and said i would like it to be the orginal amount, I said I understood that there was an escrow shortage I would like to pay that. I was instructed to send {$8400.00}. After 2 weeks my mortgage did not change I called Freedom again. I was told I was given " bad information '' that they would refuind the {$8400.00} and I needed to pay {$4300.00} and my mortgage would be adjusted to XXXX Not the orginal amount but it was better than {$3700.00}. I have spoken with the company for over 6 weeks but I have not gotten my {$8400.00} back. They keep saying sorry but at this point I really need that money. I have paid Freedom over {$15000.00} in XXXX. First they said that they are going to send the money electronically, then i waas told they are sending a check. They take their money in less than 24 hours. I have been waiting over 1 month for my refund. They keep saying a check has been sent but I never recieved it. I think they are lying at this point. They are XXXX XXXX and completly uninformed. PLEASE PLEASE help me get my money back. I have done everything they have asked me to do. They keep asking me to wait, and I wait
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Open Dealer Exchange, LLC (FL)

On the XXXX of XXXX I obtain a copy of my XXXX report and noticed some incorrect information. 
I am writing to request an investigation of the following : Inquires : 1. XXXX Credit/XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXInquiry Date : XX/XX/XXXX XXXX. XXXX Credit/XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXInquire Date : XX/XX/2018 Dispute Reasons : This was disputed and keeps coming back on my credit file. Please update information and remove these credit inquiries or provide me with documents baring my signature