davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

In XXXX my mother obtained a {$40000.00} mortgage loan on our family home from XXXX XXXX XXXX. She passed away in XXXX and I assumed the loan under her name. I am also the Administrator of her estate and Successor in InteresXXXX. It was then transfered and reserviced to XXXX XXXX XXXX in XXXX. I paid regularly until XX/XX/XXXX when COVID began. I was put on a forebearance plan but occasionally STILL made payments while on forebearance. The loan matured XXXX of this year. CLS extended me 2 loan modifications that I accepted and remitted payment for. They sent payment back both times stating " Loan matured with no approved workout ''. They kept asking me to prove Successor in Interest, and I did. Several times. The paperwork was even sent directly from the City of XXXX XXXX office. Their representative kept telling me that the person that assumes the loan must be on the deed. I have a copy of the original deed and only my deceased grandmother and grandfather are listed. So when my mother obtained the loan, she was not on the deed and was never put on the deed. So how was she able to obtain the initial loan? If I am acting as the same entity as my Mother, who presented only the deed she had to obtain the loan, then why am I not able to do the same to maintain the loan? I sent CLS a QWR in XXXX of this year and they then RE SERVICED the loan to XXXX Loans WITHOUT RESPONDING to the QWR. They then just YESTERDAY replied in an email, but it was not a QWR response. I have also sent the new loan servicer a QWR 3weeks ago and have heard nothing as of yet. I contacted the FBI earlier this year with no success because I know that at least one name on a mortgage loan must be present on the deed. I have maintained that XXXX XXXX has committed mortgage fraud and sold the loan to Bayview without them knowing that my Mother is not on the deed. So I've paid OVER XXXX for an illegal mortgage loan, plus interest and would TRULY like to have an attorney help me to obtain my, and my Mother 's estates monies back. I am sure I am not alone.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

In a routine check of my Equifax credit report, I noticed that none of my current and open credit accounts were being reported. Subsequently, my Equifax credit score is significantly lower than my XXXX XXXX XXXX scores. On XX/XX/2022, I mailed a certified letter to Equifax, alerting them to the issue. The letter was accepted and signed on XX/XX/2022. After more than 30 days without a response, I called Equifax on XX/XX/2022. The customer service representative informed me that they had not received the letter. I am unable to apply for an auto loan because of this issue.
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

XX/XX/2019 Scheduled payment for {$30.00} on XX/XX/2019 Statement balance {$68.00} -Recurring minimum {$38.00} XX/XX/2019 Downloaded current activity to XXXX. 
Recurring payment of {$38.00} was missing and replaced by a payment of {$7.00} Which is my payment of {$30.00} + the difference to the minimum payment. 
XX/XX/2019 Placed call to complain and was informed that this was because I had a minimum automatic payment scheduled. 
XX/XX/2019 Charged {$2.00} for minimum interest charge because I had a balance on my previous statement. 
This complaint is not about the {$2.00} I was charged, it is about the {$2.00} or more Synchrony Credit customers are probably being charged everyday
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America Alaska Credit Card. 
On XX/XX/2022 texted re possible fraud {$5100.00}. Fraud claim started. Received letter dated XXXX stating " good news your claim has been resolved ''. On XXXX I received email notice that I owed XXXX. At that point I cancelled auto payment from my credit union. On XXXX that amount was deducted from my credit union account even though I had cancelled authorization. I had to file a claim with my credit union and several days later a credit was issued. In the meantime I had to transfer funds from savings into checking to avoid overdrafts. Luckily I had the funds. Some people would have been in dire straights. On XXXX I received email notice indicating XXXX credit. The following day I received another email notice saying I owed XXXX. I have called B of A countless times about this. I have been on hold and have been tossed from one dept to another countless times. Today while talking to the claims dept I was told there was no letter saying the claim was resolved and the claim was still open despite the fact I was staring at a physical letter saying the opposite.The ineptitude of Bof A is frightening. The fact that they could erroneously report to the credit bureaus is also frightening. I just hung up from 1.5 hrs on the phone. B of A assures me the matter will be remedied. Obviously I do not trust them. They say they are sending me a check that I have to deposit into my credit union account. My time is valuable as is everyone 's This situation has wasted so much of my time and has caused me a lot of stress and anxiety. Regardless if it's remedied or not B of A needs to held accountable for their mistreatment of consumers. Thank you.
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2020-07-25
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

Well in 2019 I was told I was going to be donated some money. And this was right after hurricane michael. I was left XXXX. I have never been giving money before. So when it came down to it. They asked for my bank information. When they asked for my user information I said no. But then decided to becuase they were a federal banking XXXX. Standard Chartered bank. They uploaded a check. With no authorizing. And I got fraud and now cant have any accounts opened. Please help me. Proof of where the login of the location where it was made will declare me innocent.
Consumer complaint received 2020-12-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$8200.00}, {$7600.00}, {$12000.00}, {$42000.00}, {$13000.00}, {$7200.00}, {$0.00}, {$12000.00}, {$2300.00}, {$5100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

5. XXXX CARD SERVICE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 


-- INSTALLMENT LOANS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (RI)

ARS ACCOUNT RESOLUTIONS INC. at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me the following 3 collections for the last few years. XXXX # XXXX for {$990.00} XXXX # XXXX for {$940.00} XXXX # XXXX for {$1500.00}. The collections have been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. I've been actively disputing these charges since last XXXXThese charges are currently on my XXXX and XXXX but not on XXXX I sent a hiippa dispute letter on XX/XX/2021. Its been 30 days, no response. I have sent in 30 day notice to comply to both bureaus today.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Upgrade, Inc. (KY)

I am moving so I went online to change my address with Upgrade. There was not option to change my address online so I called customer service. I authenticated my account by providing my current address, phone number, last 4 of my social, and the last 4 of the bank account used to make payments. The customer service rep placed me on hold then came back to say I had to email the request to servicing @ upgrade.com along with a utility bill or my bank statement in order to change my address. I then emailed a letter from XXXX XXXX confirming I had ordered new service at my new address I received a reply saying that was not good enough. They asked me to send my bank statement as proof I had changed my address with my bank. My bank statement in confidential so I emailed them my new lease, the letter from XXXX  XXXX, and an email confirmation from XXXX where I ordered internet service at my new address. Upgrade again refused to change my address. I was able to change my address with my bank online and all of my credit cards on line with very little effort. My concern is by refusing to change my address I won't be able to pay Upgrade because my bank has my new address and Upgrade has my old address. It seems like a ploy on Upgrade 's part to prevent me from making payments or to gain access to PPI that they don't need and are not entitled to which is not acceptable. I need help to resolve this issue.
Consumer complaint received 2022-07-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (WI)

In early XXXX of XXXX it's showed that my student loans were charged off with no debt and this caused my credit score to go up due to that. And mid XXXX of XXXX all of the student loans came back on my credit report but now it looks like I have XXXX accounts with different amounts of being paid and not paid this cost my credit score to go down XXXX points past that when it occurred.Also I was unaware and not notified of the US department of education switch of the names and this happening to my account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-14
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. (FL)

Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account NumbeXXXX XXXX XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # 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 2022-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2022 - received information via mail about XXXX attempted credit cards being opened in my name. They were denied which is concerning as I have great credit. 
XX/XX/2022 - called both companies to report fraudulent attempts at obtaining credit card. Both companies confirmed they were attempted online. Both confirmed that my social security information, birthdate, drivers license, name, and home address have been compromised. Both companies have reported the fraudulent activities and are investigating. More information to be sent to me via mail. 
- Called XXXX, XXXX, and XXXX to freeze my credit reports. 
-FICO credit score confirmed that my score has been negatively impacted by these activities. 
-Contacted this website : US Federal Trade Commission to report activities. 
-Currently on call with Social Security Administration for assistance on steps to take. 
-Will be calling DMV to report that my driver 's license number has been compromised.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (CA)

I am a victim of the Woolsey Fires in California. After my family and I were forced to relocate, I immediately contacted all my credit card companies to ask for a forbearance  period as my homeowners insurance was giving me trouble by not issuing payments. I have been forced to liquidate my 401K to pay for additional loving expenses and to replace my personal property that was either ruined by the fire or stolen by the fake contractor hired to "help ". I was denied Fema because I had insurance and after being denied a loan from the SBA due to delinquent reporting by 2 credit card companies who swore I would not have to make any payments and would not have negative credit reported.
Needless to say, My once perfect credit is now ruined. I was not able to get an SBA loan because of these banks mis representation of my account status. To make matters worse, I never opened the Wells Fargo credit account, the bank illegally did that for me when I opened a savings back in 2014.
Consumer complaint received 2022-06-14
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)

In accordance with the Fair Credit Reporting Act XXXX account number # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that i have the right to privacy 15 U.S.C. 1681 section 602 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-02-02
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 on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX XXXX PM ( 0 minutes ago ) to me In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-15
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. (MT)

I have taken out several disputes with Transunion in regards to the fraudlent account opened with verizone wireless under my name. XXXX refuses to send me information verifying and proving that this account is mine. They ignore me transfer my calls around etc. My next step was to exercise my rights under the FCRA through the credit bureaus. They asked me to provide documentation in regards to my identity theft claim. I have done that several times. They then mail me paperwork again asking for the same exact information I have already sent in. I have began to do my communication with them in email and in chat as well as electronically online disputing and telling them why. They keep coming back with the information was " verified '' and that I need to contact the lender to have the information corrected. I outlined specific areas of the law and what is required of them to " verify '' and Transunion refuses to follow the law. They even said they do not have that documentation on what they are reporting. They told me that they contact the lender and then lenders just confirm that this information is true and accurate. Nobody will provide me with the actual proof. Not XXXX XXXX or Transunion. The last complaint that I filed was just closed right away and stated that I would get my results mailed to me. In those results they asked me to provide a police report which I DID several times. Just today I was told the only thing they can do is reopen the dispute again. I have already done that a good four times. I sent them a letter stating the law of what they must provide and still they say they don't have to verify outside of just the lender confirming to be true. I even got a letter that stated I benefited from goods or services... well someone did but it sure wasn't me. Even if that was the case my rights have been violated and these people have not followed the law.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

Equifax has completely ruined my hopes of ever getting approved for anything worth having. the customer service and disregard for someone who is trying to get this problem fixed has crushed my spirit. Not having a credit score and being able to not see what is on your credit report will make a person feel defeated and i feel defeated.