davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (WA)

1 ) When we were offered our loan modification, we were given just one day to go over the documents, sign, and return them ( I have email proof of this ). This did not give us time to seek help in understanding the terms of the agreement. Therefore, we ended up with a balloon payment not really knowing what that meant. If we did n't sign right away, we would have just made all of the trial modifications for nothing and lost the house at that point. We worked so hard for over a year trying to get this modification, we signed not really understanding what we signed. I ca n't believe that it is legal to give borrowers 24 hours to sign such important paperwork. 

2 ) When our renters were unable to make timely payments on the property, we fell behind. I contacted the mortgage company to make a repayment arrangement. I was told to fill out a complete modification package, and then received notice that I was denied. When I was finally able to speak to someone about this, I was told that I did n't really need to fill out all of that paperwork and that they had requested it by mistake.The denial letter was for a modification, which I did not request. I had requested a PAYMENT PLAN to catch up. At that time, I requested a repayment plan over the phone, was given an apx. amount and was told I would be sent paperwork. When I did not receive paperwork, I tried multiple times to reach my point of contact, but was never able to get her, or even that department. I never received an actual amount, or date, to pay.No paperwork no call, no email. I then received notice that I breached the terms of the repayment plan! I never received any terms!! How can I breach something I did n't even see, sign, or know about?? 

3 ) I am never able to get a hold of anyone in their Home Retention Department. Despite calling at their advertised open hours, I am put on hold, transferred, told that they must have left for the day, all the while never getting the information that I need. I am always told by customer service that they ca n't help me and that I need to call back. 

After all of this, I want to sell the home. But, because of the balloon payment that was not explained to us, we wo n't be able to get enough out of the home to pay off the new loan amount. I am afraid to deal with Carrington directly, as I have had nothing but issues with them, as you can see. 

We have been swindled!
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information from my file. The item I need deleted is listed below. I am a victim of identity theft and did not make the charge. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the FTC 's Identity theft affidavit. Please delete the item as soon as possible. 
Gramm-leach- Bliley Act : 15 USC 6801, Negative accounts : 15 USC 1681 Account Verified : 15 USC 1681i XXXX XXXX : Inquiry Date XX/XX/2022
Consumer complaint received 2022-04-11
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # 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
Consumer complaint received 2021-05-18
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. (PA)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO. (MO)

Approximately XXXX XXXX, 2021 I applied for auto financing with Dealer : XXXX with my Credit Card pursuant to ( 15 USC 1602 ( I ) )XXXX XXXX sent the request to JPMORGAN CHASE BANK, N.A.XXXX On XXXX, XXXX 2021 JPMORGAN  CHASE BANK sent me an Adverse Action Letter Denying me Credit. To my understanding Credit is a right not a privilege. JPMORGAN CHASE BANK, N.A has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.
Consumer complaint received 2017-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bison Recovery Group, Inc. (IL)

Calling me at work XXXX XXXX XXXX I do n't know who they are XXXX XXXX XXXX XXXX XXXX XXXX kept calling my work. I 'm not allowed to get personal call at work
Consumer complaint received 2017-08-24
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Equitable Acceptance Corp (AL)

XXXX XXXX XXXX reached out to me on XXXX XXXX, 2017 about the Student Loan Forgiveness program. They informed me that I qualified for student loan forgiveness and all I needed to do is pay XXXX a month for three years. I was advised that their company would take care of my student loan and that I did not have to pay anyone else. I thought they were a credible company because they claim to have affiliations with the Department of Education. Also, I was informed that I was enrolled in a income based repayment plan, which I was referred to enrolled in that program by my current lender, XXXX XXXX. Mistakenly, I thought XXXX XXXX XXXX was related to my current lender XXXX XXXX and that 's is not the case. XXXX XXXX XXXX misrepresented their selves and did not disclosed that their finance company is Equitable Acceptance. Equitable Acceptance is currently showing a inquiry on my credit report even though my consolidation application is processing along with a cancellation request. XXXX XXXX XXXX is using their finance company Equitable Acceptance to charging for services for preparing the documentation to consolidate a loan rather than help pay the loan off as they advertised.
Consumer complaint received 2022-01-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

Date : XX/XX/XXXX To Whom it May concern I would like to bring following facts to your attention and request amicable solution. 

My company ; XXXX XXXX XXXX XXXX is US based organization doing export business especially with XXXX. 
During first week of XX/XX/XXXX, I approached HSBC to open Business Account and met XXXX XXXX XXXX Vice President XXXX  Relationship Manager XXXX Spectrum Center, XXXX XXXX XXXX . I explained to her the reason to open Account with HSBC which was International Banking and I also emphasized that Transactions will be involving collection of payment against the documents from Overseas. She confirmed that the bank provides this facility and this was the reason I opened my account with HSBC, otherwise I had Business Account with XXXX XXXXXXXX XXXX. 

On XX/XX/XXXX via Email, I was confirmed that new business checking account is open and I was provided all the details truncation fees etc. 
I start operating the account and on XX/XX/XXXX I received wire transfer from my overseas and another wire transfer was received in my account on XX/XX/XXXX. 
I visited XXXX XXXX office around XXXX XXXX and asked her the fee for the transaction to collect funds from Overseas Bank. She sent me the charges schedule via email on XX/XX/XXXX. 
On XX/XX/XXXX, I requested via email to XXXX XXXX about the procedure to submit the documents, I received the automatic reply that she is away and will be back on XXXX of XXXX On XXXX XXXX, I sent another email with the idea that she might have returned but again received automatic answer that she is away. 

I visited the Branch to discuss around XX/XX/XXXX XX/XX/XXXX and met XXXX XXXX XXXX, Manager and asked him about the procedure for submitting the documents. His answer was that we do not do this kind of transaction, which was very disturbing to me as my shipment was ready to leave the next day. 

I tried to approach thru customer service to find the right person and finally I was successful to converse with XXXX XXXX and advise that someone from relationship team will advise you further. ( Copy attached ) On XXXX XXXX, XXXX I received email from XXXX XXXX in which he asked structure and amount of transaction, as well Name of Bank, which I provided. 

On XXXX XXXX. I received reply from XXXX XXXX that we do not have any corresponding relations with this bank. ( Important thing to note that XXXX XXXX did not object on the size of Amount but only on corresponding Bank ). 
On XXXX XXXX, XXXX I requested XXXX to provide XXXX name of banks on HSBC Correspondence list. 
On XXXX XXXX, XXXX, XXXX XXXX provided with two names of the Banks as HSBC Corresponding Banks in XXXX. 
On XXXX XXXX and XXXX I requested confirmation, if my client can use those Banks. 

On XXXX XXXX, XXXX, I was informed via email by XXXX XXXX that we are unable to help you with the transaction based on Volume.
Consumer complaint received 2021-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A DLA FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.
Consumer complaint received 2021-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (NJ)

I have a XXXX XXXXXXXX XXXX since XX/XX/XXXX. I made two purchases : {$100.00} and {$13.00} totaling {$110.00} to which Target added a {$25.00} late fee charge. I did not receive communication stating the amount was due from Target until the first week of XX/XX/XXXX nor did I get telephone call. I tried to make a payment of {$140.00} using American Express. They asked for the checking and routing number INSTEAD OF the DEBIT CARD NUMBER which I supplied to them to make the payment on all of my previous orders. I find out today that the {$140.00} amount was not accepted and they applied ANOTHER late fee for a total of {$170.00} XXXX {$55.00} in late fees ). I called and spoke to four customer representatives of Target, one of which I tried to make the full payment of {$170.00} but was told " the logo for the card did not pop up '' so payment could not be made. I tried paying online and they still had " This is an attempt to collect a debt '' on my sign in page and asked for my checking and routing numbers. Had to call customer service to unblock my being able to enter my debit card number to make payment but they did not do so. I believe they are going to try to charge another late fee of {$29.00} and I REFUSE TO PAY THEM ANYTHING BUT THE {$110.00} that is owed. This is pure ROBBERY!
Consumer complaint received 2017-08-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX, IA XXXX RE : Personal Line of Credit Account # XXXX I am Wells Fargo Customer since 2008 and I am maintain may checking, Saving, Credit card and Personal Line of Credit good standing Today I found out your bank closed my account without informing me. I am so disappointed. 
Please explain to me why is my account has been closed and please reconsider to reinstated due to 9 years relationship with your bank. 
More information call me on ( XXXX ) XXXX Thanks XXXX XXXX XXXX
Consumer complaint received 2022-01-27
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. (NJ)

When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. XXXX XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.
Consumer complaint received 2022-01-27
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. (NJ)

When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. XXXX XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Chrysler Capital financed my car a XXXX XXXX XXXX it was totaled in an accident by another insured driver in XXXX of XXXX. My insurance Company Paid a settlement of over {$15000.00} and They were ready in 6 days to finalize the settlement from the date of loss. Chrysler Capital kept MY insurance company XXXX XXXX XXXX XXXX waiting til the first offer expired in 45 days. not only that they did not send my XXXX XXXX company XXXX XXXX XXXX XXXX XXXX a copy of the police report and this delayed the process further. I called Chrysler Capital repeatedly on behalf of my insurance company XXXX XXXX XXXX XXXX XXXX they ask me to call XXXX so the check for pay on the settlement would not cancel by issued date.And XXXX wanted to pickup the total loss car that they settled for. Furthermore, it was not Until XXXX, XXXX that I was told to contact my Gap insurance company. XXXX XXXX informed me that Chysler Capital did not send them the police report and this report was in the file from XXXX that had to be sent over with both company communicating specifications of the accident. Why I was appalled and after I gave my copy of the police report XXXX XXXX XXXX issued the balance on the car ( see uploaded documents ) .XXXX  XXXX, XXXX the check was sent for XXXX from XXXX XXXXXXXX XXXX XXXX XXXX settle the account in full.Chrysler Capital wrongfully charged my credit account of as bad debt on my credit report and still arre trying to blame me for there teams errors and i want help. I am still being XXXX by them with a letter to date of XX/XX/XXXX. I've submitted this documentation to prove my case.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.
Consumer complaint received 2017-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXXI found a inquire on my Transs Union dated XX/XX/XXXX. I trued to call and no number listed .WEnt to their website and pushed contact, Just takes me to top of the page. NO way to contact. XXXX XXXX XXXX XXXX XXXX, PaXX/XX/XXXX. Never heard of them at hall. please have deleted.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have previously stated that I have discovered that my personal information has been exposed to 15 different data breaches, including my email, addresses, credit card numbers, and ssn. There are some accounts that I do not recognize on my credit report or they continuously report inaccurately no matter how many times I have disputed these issues in the past. As a consumer, I have a RIGHT TO PRIVACY. 
In accordance with the Fair Credit Reporting act, 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, 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. This is a violation of my rights. 

This is disheartening to know that this company has complete control over my life and how I can provide for my family, and continue to do whatever they wish with no regard to the rules and regulations set in place that they are required to abide by. I serve the XXXX XXXX and my country faithfully and I am being stripped of my rights in the very country that I have fought for in XXXX. This inconvenience has placed a hardship on me and my family, as I am XXXX XXXX Military and could possibly lose my security clearance while trying to serve my country. 

One of these accounts in particular, I have contacted personally and they did not have any contract with me on file, yet when I dispute items they are some how verified. This is FRAUD. If the requested items are not deleted promptly, I will be filing arbitration with this company.
Consumer complaint received 2021-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX sold an alleged dent in my name and the collection agency bought it yet there is a balance still shown reported on my report
Consumer complaint received 2021-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (VA)

I was granted 100 % property tax exemption in XX/XX/XXXX, but CMG mortgage lender repeatedly ignores this fact. An escrow analysis has been performed wrong several times- while monthly payments to escrow for taxes have continued to be collected ; recently an annual escrow analysis showed there to be a surplus amount of {$1300.00} in my account scheduled to be returned to me within 20 days of the analysis performed on XX/XX/XXXX however within that time an additional erroneous escrow analysis was performed with incorrect amounts and using property tax rates prior to the tax exemption, this was done in order to avoid paying out my escrow surplus. I have been trying for many months to get in touch with a supervisor and am unable to, I have brought up the incorrect amounts to customer service and have been given different answers and instructions and subsequently informed that my account would be fixed by a certain date, that gets rescheduled every time the prior date passes. My insurance was also wrong and was not being paid through escrow, but was getting collected as if it were. This problem has been ongoing since XX/XX/XXXX.
Consumer complaint received 2021-05-17
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: Experian Information Solutions Inc. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received two letters from your office, addressed Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX on XX/XX/XXXX and XXXX of 2024. In the letter written on XX/XX/XXXX of 2024, the office notified me that he/she could not locate my credit file in your company database with the identification information I provided. Since I continuously sent the identification information above mentioned office, it is difficult to understand how he/she could get my identification information without my consent. Anyway, this office has asked to provide the identification information to verify myself and my current address, I will provide your company headquarters the necessary documents, which he/she has stated, social security card and drivers license. Also, this office asked me to submit a copy of the death certificate due to my request to add a death notice. I am not sure why I need to add a death notice to my own credit report from the beginning, if so, why I need to report my own death to this office. Therefore, I strongly believe it must be another person, not myself. However, all my family members are surviving, even though one of them had harsh and difficult time during the beginning of the Pandemic as an XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. This office kindly taught me where I should submit somebodys death in future to : Equifax Information Services LLC, XXXX XXXX XXXX, XXXX, GA XXXX. Honestly, I regret to learn this information before my family members death, even though it makes me realize the future works to submit to necessary document ( s ) to create two death certificates from mother country and the United States for one of my family members, at least. I need to inform them that they need to get the death certificates from XXXX and the United States after the appropriate documentation. Also, your company office mentioned I needed to provide my telephone number, which, if reliable, your company mentioned in the credit report provided ; therefore, I had difficulty to understand why he/she had mentioned that I needed to add my telephone number for a credit grantor to use to verify my identity before establishing new credit in my name. Since the letter on XX/XX/XXXX of 2024 asked to submit to the New Jersey Attorney of General, I gladly do it. 
Sincerely,