davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

Fay Servicing took over my XXXX XXXX mortgage account in XX/XX/XXXX. I filled out loan modification paperwork through XXXX XXXX and faxed it in before the deadline. However ; there was a transfer and XXXX XXXX transferred my loan modification paperwork to Fay Servicing. 

Now that my account is with Fay Servicing ... Fay Servicing lied throughout the whole process ; from stating they never received my paperwork [ during the initial stage - a Fay Servicing Rep confirmed receiving my paperwork ], as well as stating that the Fay Servicing account manager assigned to my account - has not had the time to look over my paperwork [ I spoke with her once and mistakenly gave her a good rating via the survey-but she actually lied too ; and stated she never had my loan modification paperwork, and that a new servicer will be taking over soon ; and that she does not see a foreclosure sale date, while also informing me to contact the Sheriffs office to look further into ] ; To [ Fay Servicing reps ] also constantly denying a foreclosure sale date when it was very much recorded on the Sheriffs foreclosure sale date list ; while additionally ; the Sheriffs office confirming that there is such a sale date. 

There had also been dual tracking, also the supervisor not willing to resolve, and making comments such as ; its a long time [ implying the need to foreclose ], you shouldnt point fingers [ at Fay Servicing ]. 

When they were no longer handling the acct ; XX/XX/19 ; Fay Servicing then mentioned that the company now sees a foreclosure sale date. How convenient - when they are no longer handing my account. 

What transpired also on Friday XX/XX/19 ; they wanted me to fill out their company loan modification paperwork. Fay Servicing stated on XX/XX/19 ; that my loan modification paperwork had been found ; that there had been missing info on the 4506T. Ok-nonetheless ; I could have rectified that issue by simply faxing it back to them. But no-they did not want the XXXX XXXX loan modification paperwork. They wanted their very own loan modification form to be completed. 

Speaking of their forms ; on the form it was noted to schedule an in-house inspection. I never heard of that. 

Usually ; from what I gathered ; the exterior is looked at. 

Moreover ; Fay Servicings modification form could only be filled out if there had not been a sale date within/before 37 days. There was definitely a foreclosure sale date within/before the 37 days ; [ that Fay Servicing vehemently denied until XX/XX/19 ]. 

On XX/XX/19 ; XXXX XXXX XXXX took over. 

So far-XXXX XXXX XXXX ... just as bad ... .On XX/XX/19 ; they did not see a foreclosure sale date ; transferring me to their lender [ how many lenders are there ] that verbally stated - he could not help me ; due to my circumstances. 

Therefore prompting me to fill out an adjournment at the Sheriffs office ; while going through the process of seeking an Attorney.
Consumer complaint received 2022-01-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AL)

XX/XX/XXXX I called Wells Fargo Mortgage regarding an upcoming payment out of my escrow account. I asked for information provided by the fire district verifying that I owe this information. I was provided a parcel number that did not match my county parcel number. I told XXXX that I didnt owe that fire district that I paid a different fire district outside of my mortgage escrow for fire services. XXXX said they would research and give me a call back the next day. I requested a copy of what the fire district provided them. They didnt call. I called back to XXXX on XX/XX/XXXX at XXXX am CST and was on for an hour and was told they could not provide the information provided by the district because it was a spreadsheet that included other peoples information so I asked XXXX to provide me with a letter with the information which they said they could not provide. They said I could get it from the fire district to which I responded if I had the information I would not be asking them for it. I explained I had received my property tax information from the county & the info matched my escrow statement. I further explained that I had my property insurance info that matched my escrow statement. XXXX provided me the info verbally but would not provide it in writing. The representative XXXX operator XXXX stated the fire district info had my name, a parcel number, a billed amount which was sent XX/XX/XXXX. I explained that I didnt owe this money. He stated I could go to the district but they only had a POB and a phone number where no one answered the phone and the voice mail was full. I asked what due diligence did XXXX perform before adding this to my mortgage payment as this is the first time this was charged. No response was provided. I asked what information will they need from the fire district to remove it. XXXX stated an update from them or information from me. XXXX stated they have opened a case number to research which I was provided today.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (NJ)

After attempting to get my money back from a company that was clearly a scam. They no longer have a site or anything for an order from XX/XX/XXXX order # XXXX for XXXX XXXX XXXX XXXX XXXX came to {$71.00} XX/XX/XXXX XXXX XXXX  spoke on the phone with XXXX at TD bank. 

Merchandise not received. 
They have since changed their email and stopped responding to emails and XXXX  in XXXX and XXXX. 

I was given a provisional credit was issued on XX/XX/XXXX and then it was taken back on XX/XX/XXXX and the bank stated that I made the purchase. Yes I did make the purchase my issue is I never received product and I have proof of communication and then lack of response to either refund me or send me my purchase.
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One owes me {$850.00} but refuses to send me a check I can cash. 
I have had 3 credit cards with Capital one for years. Never late, never over limit. Then a stranger got 2 of my cards and ran up charges for 3 days. You never think it will happen to you. To be safe, I sent in payments of {$1000.00} to each card. When the dust cleared, I had an {$850.00} balance overpaid on one card. That was last XXXX. 
It took months, but Capital one finally sent me a check, but it was made out only to my business. The card had both my name and the business name - statements also carried both names. I am XXXX, on XXXX, and retired 2 years ago and closed the business. I didn't really think about the cards. My bank will not accept a check made out to a business that no longer exists. I had told XXXX XXXX about this during the fraud investigation. I have, now, called 4 times the last 4 weeks as I was promised a check in my name over a month ago. Capital One owes me {$850.00} for 6 months, now. If it was them, they would be charging me interest and destroying my credit ( which is 780+ by the way ). Their trained monkeys just can not seem to deal with this properly even if I stay on the phone for 30 minutes. I returned the original check to Capital One a month ago. I want my money back!!! 
I am tired of calling and getting trained monkeys who either can't figure out that I am owed a check or claim that my " record '' is not clear that they owe me a check. XXXX XXXX - XXXX, ext XXXX - Promised me a check in my name well over a month ago.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

n accordance with the Fair Credit Reporting act XXXX  Account # 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 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: EQUIFAX, INC. (NM)

XXXX XXXX had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (HI)

We were under Covid forbearance plan since XXXX XXXX. 

We decided not to continue staying in the forbearance and requested the official documentation of release from forbearance and official reinstatement of our mortgage loan as well as acknowledgment from Freedom mortgage that we are current with our mortgage payment since XX/XX/XXXX. 

We have been paying the regulator payment since XX/XX/XXXX but on the statement said we havent. 

We have been contacting and asking for those documents SINCE XX/XX/XXXX but they never gave us any of documents and just correcting our payments. 

We cant wait anymore. 
We are trying to refinance. 
We need the documents. 
I NEED YOUR HELP!!! 


I added the pictures which we paid so far. But I dont know why, they say we are late for the mortgage payment on the statement.
Consumer complaint received 2021-07-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

I have debt in collections on my credit report from choice recovery. Ive never conducted any business with choice recovery. Ive disputed this chargers asking them to remove from credit report. Choice recovery sent me personal medical information and records of mines in which they shouldnt have. Ive never released Nor gave permission of release any of my medical history to Choice recovery. Choice recovery has violated my HIPPA rights by obtaining my medical records without my permission
Consumer complaint received 2019-10-15
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. (TX)

XXXX XXXX has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XX/XX/XXXX/XX/XX/XXXX this year. XXXX XXXX double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that XXXX XXXX is submitting to the three credit bureaus XX/XX/XXXX, XX/XX/XXXX, and Equifax. XXXX XXXX issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. XXXX XXXX is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, XXXX XXXX is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XX/XX/XXXXTax Return. This is a GROSS Negligence to continue to report this information as if it's active collections, currently past due completely ignoring the action that XXXX XXXX took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. XXXX 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to XXXX XXXX.
Consumer complaint received 2019-03-28
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 have been a victim of identity theft. I have have a total of 10 collections on my equifax report and a total of 3 on my XXXX report. All Dating back to XXXX and XXXX. I have submitted 8 different disputes with them and they have removed some of them that where from the same company that they are refusing to remove.
Consumer complaint received 2022-10-07
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. (NV)

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 U S C # 1 XXXX XXXX XXXXXXXX # XXXX # XXXX XXXX XXXX  XXXX # XXXX # 3 XXXX XXXX XXXX # XXXX # 4 XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 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 information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  CARD-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY (MN)

I received a check from my mortgage refinance to pay off my American express personal loan. The check was drawn by my title company and addressed to American express loan with my name and account number as the remitter. American express received this check and credited my account on XX/XX/2019. They credited the account the amount of {$20000.00} however, I only owed {$20000.00} therefore having a {$640.00} overpayment on the loan. I called American Express on XX/XX/2019 to check on a refund check which I was told should have taken 7-10days after my payment was credited. The CS rep said he will file a case and have the money sent to me in another 7 days. I called back today XX/XX/2019 but was told they did generate a credit however on checking further my refund check was sent to the bank that issued their payoff check. American express does not have a relationship with my title company who issues their payoff check on my behalf. it was just ridiculous how the customer service rep could not understand how that is an error on their part. They sent a check out with zero information not knowing where it goes when they have my customer profile and correct address on file to issue a refund check. I asked for a resolution and that they expedite the refund to me. The supervisor I spoke to whose name and ID I wrote down seem extremely incompetent and doesn't know how to handle customer resolution. I would like my refund check back and like the process to be expedited since they will not be paying me interest for the days they are holding my finds. This has been the worst customer experience ever just to get my money back. I have been a loyal customer that made m payments monthly automatically. This is no way to be treated at all.
Consumer complaint received 2019-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have requested a simple VOM ( verification of mortgage ) document be completed by my mortgage lender, Shellpoint Loan Servicing, but they do not respond which is causing my new mortgage company to delay submitting loan to underwriting. I have emailed, phone, sent written signed authorization requesting the form be completed and for them to speak with my new mortgage company officer about any questions but continue to refuse to do so. The delay is causing me loss of funds.
Consumer complaint received 2019-10-15
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)

Equifax has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and Equifaxs refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

Please remove these asap.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (LA)

All three credit reporting companies are reporting my last car payment to TD Auto reflects XX/XX/2019. I have payments in XXXX, XXXX, XXXX, and XXXX, 2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit scorXXXX!!
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have been trying for the past few years to get my FREE CREDOT REPORT from all agencies .. EQUIFAX has NEVER sent me my free annual credit report, stating that " they don't have records of me '' .. all other companies " XXXX and XXXX '' have no problems at all and they have sent me my free credit report once a year every time I have requested it online. EQUIFAX has made me send them copies of my personal documents in several occasions and they still refuse to give me my credit report. This situation affects me terrible because even though I have credit cards and I have bank accounts and my credit score is in GOOD status, I can't even buy a car because most dealers use all 3 reports to approve the loans to buy cars. What legal rights do I have against EQUIFAX for having my identity in a Halt as they have??? Please help me urgently because I need to buy a car and move on in life. Life of an immigrant is already hard as it is, I don't need to have EQUIFAX terrorizing and sabotaging me financially. Thank you
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is depicting XXXX/XXXX XXXX, account number XXXX on their bureau report.On XX/XX/2019 I sent in a dispute by mail.The account was not investigated or put under dispute.Therfor I submit the following : This account was established giving credit to purchase merchandise, a ring. 
The original amount was over $ 3000.After paying about a {$1000.00} in payments I found out the real value of the merchandise ... .not due to devaluation of gold or diamonds the ring is not worth {$300.00} due to poor quality.I quit making payments or trying to sell the merchandise.I found out about CALIFORNIA IMPLIED WARRANTY LAWS WHICH WERE VIOLATED AND SELDOM DEFEATED IN COURT AND NOT DEFEATABLE BY DISCLAIMER.THE VALUE OF THE RING AND AMOUNT FINANCED WERE DRAMATICALLY LESS THAN THE VALUE STATED AT PURCHASE ... ..DELETE FROM MY REPORT.