davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDFIRST BANK (VA)

XX/XX/2021 Consumer Financial Protection Bureau RE : Midland Mortgage Loan Modification does not respond. 
Dear Sir or madam : I have requested a Loan modification from Midland Mortgage since XX/XX/XXXX ( Attach_I ). And they have not responded yet with a Plan. However in the past instead of helping me, they increased the payment {$500.00} dollars per month. 
They increased my rate and increased my Home Insurance and made me pay more. 
I already sent the information but being the same company they are doing the same. Delaying and they have not responded to my request for Loan modification even though I already sent all the information. 
They are making things difficult. I need to make sure I can take advantage of the low rates. Apparently I am not allowed to try to refinance with anybody else. They lock me and are keeping me hostage with debt. 
This time I should be helped since I am the home owner. As the FHA guidelines suggest. 
My hardship has been : 1. I suffered health issues due to my XXXX illness. XXXX XXXX amputation XXXX. 
2. Because of the pandemia, I lost my job in the hospitality business XXXX in the software branch Interval International. 


Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLIANT CREDIT UNION (UT)

In XX/XX/2021 I refinanced my home and as part of that process paid off this loan. The title company sent the check to XXXX XXXX and the check shows it was deposited by the company. They did not associate the payment with my account and two weeks later I called to check in on the issue. I've been calling all week and spent, on average, an hour a day on hold waiting to talk to escalated people who never resolve the issue. I provided copies of the deposited check and they have admitted they deposited the check and misrouted the payment. However, it is still not resolved and now I am not only out the {$10000.00} but they have continued to charge me interest daily on their mistake.
Consumer complaint received 2019-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Collection Bureau, Inc. (FL)

The creditor has not provided the following information to support the alleged debt : 1. name and address of the original creditor 2. a copy of the original signed contract, 3. delegation of authority giving you the authority to collect the debt 4., and a complete accounting / statement of payments with interest and fees associated with this debt.
Consumer complaint received 2019-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested my credit report and noticed inaccurate information reporting on my credit report. XXXX XXXX is reporting a acct that is past the statue of limitations of 7 years, Reporting multiple addresses for XXXX XXXX and inaccurate dates I mailed a dispute letter asking to verify this information to XXXX XXXX act XXXX. I received a return letter stating unclaimed/ unable to forward. I then noticed that XXXX XXXX is reporting a different address for their company to each credit bureau. You can only have1 address reporting to all bureaus.. 


I Mailed a dispute letter/ Asking how are the bureaus " XXXX , Trans Union and XXXX '' is verifying this inaccurate information. " The only letter I received back is verified ''. 
With no signature, No Dates of proof this acct belong to me.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (WI)

I am one of many XXXX customers who had their mortgages transferred to PHH Corporation in XXXX of XXXX. I was under a trial modification with XXXX, had mad all trial monthly payments on time without failure. I was waiting the final documents when PHH took over. I mailed a payment on XX/XX/2019 to PHH, only to have them mail the check back to me. Accompanying document stated that the payment ( a certified bank check ) was insufficient. Yet, all other PHH notices indicate no payment is due until XX/XX/2019? 
I sat on hold today for over an hournever reached my relationship manager, XXXX XXXX ( ext. XXXX ). I tried sending an email, but their auto response states Ill hear back from them in 5-7 days. 
I just want to speak to a human, one preferably located in the USA.
Consumer complaint received 2018-07-24
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. (FL)

On XX/XX/XXXX I notified all three major credit bureaus of a breach of my personal information both through the Equifax Data Breach and the theft of my personal passport and affects on site at my work office. Late in the year I found that no locks were placed on my Equifax and XXXX  reports. Identity theft including two fraudulent credit cards, a car loan and a car rental were placed in my name. Both Equifax and XXXX made it difficult to access my credit reports directly through their agencies, this was off for me because I could access Equifax through XXXX and XXXX through a third party site as well. Over the last twelve months I have had to send correspondence requesting corrections to my credit report from incidents resulting from the breaches notified to their agency previously. On XX/XX/XXXX, XXXX and XX/XX/XXXX and XXXX of this year ( XXXX ) I have continued efforts to correct my credit report which resulted in majority of the accounts to be removed however Equifax denies my right to contest the 30+ inquiries that they refuse to block from my credit report that were allowed while I had a credit freeze on my report. My request for the reporting agency both Equifax and XXXX  have yielded NO documented investigation practices, nor the results of the disputed inquiries. Upon calling the agencies they disclose that even thought the inquiries were fraudulent that they must remain on my credit report. I have provided the laws and regulations highlighted in my disputes and police reports and an FTC fraud report. All of which have proven to be unsuccessful in Equifax, and XXXX high and might oversees customer service team which refuse to correct my report.
Consumer complaint received 2019-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The previous page where you could categorize what they were doing they were doing all of those things they threatened to Sue me and said they will be serving me with a summons either at my work or home, they also called family and friends they had not sent me a letter they had been calling and harassing me after I had told them that the debt had been paid. This all originated in XX/XX/XXXX I had a 5/3 account I never used and it was overdrawn by {$1.00} and I was never contacted by the bank so they waived all but 1 of  the fees and I paid {$26.00} to bring the account to XXXX and I closed the account. Fast forward to XX/XX/XXXX when XXXX XXXX firm contacted me and said I owed {$210.00} for the 5/3 account and with it being 9 yrs later I had no proof that it was paid so I ended up paying the {$210.00} and received a paid in full letter. Then Friday XX/XX/XXXX I received a call from XXXX XXXX XXXX. This was the first time I spoke with or ever heard anything from this company no letters no nothing and when I heard it was for the 5/3 account again and they were looking to collect over {$450.00} I was not happy. I told them the debt had been paid and I would find the documentation on Monday XX/XX/XXXX. After I received a call from a private number on Monday XX/XX/XXXX that I did not answer I got phone calls from my brother, my dad and my fiance saying this place was calling for an account I owed on. They left threating messages on my voice mail and my fiance 's saying that they will be coming to my house and or work and will be proceeding to sue me. So now I have had my credit score beat up, the embarrassing conversations I had to have with the people they were contacting and so on.
Consumer complaint received 2019-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).
Consumer complaint received 2021-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

XXXX and XXXX XXXX CFPB complaint against Community Loan Servicing formerly Bayview Loan Servicing Loan number ending in XXXX COVID forbearance was requested and granted in XX/XX/XXXX. XXXX of XXXX we were able to resume payments, but we were not able to pay the arrears. XXXX was laid off due to COVID and the 2nd forbearance was granted in XX/XX/XXXX. 
We believe the offer presented XX/XX/XXXX was not fair and did not meet the XXXXOVID relief guidelines. The letter stated forbearance would end soon. We were not given 30 days notice of the end of the forbearance. Letter attached A letter was dated XX/XX/XXXX stating forbearance would end XX/XX/XXXX. The letter was received until XX/XX/XXXX. 
A letter was dated XX/XX/XXXX showing our payoff balance and interest was being charged during the forbearance. 
A letter was dated XX/XX/XXXX stating forbearance ended XX/XX/XXXX and if we wanted to extend, we had to reply by XX/XX/XXXX. XXXX attached. 
A letter dated XX/XX/XXXX was a loan modification proposal. We believe this proposal is not fair. 
We are having difficulty contacting CLS. We were not given a dedicated agent to handle our mortgage issue. We worked with XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. XXXX did speak to XXXX on XX/XX/XXXX @ XXXX XXXX  and requested the forbearance continue. XXXX stated there were 700 days remaining on the forbearance. XXXX asked about the partial claim option and XXXX stated he did not know the anything about the COVID waterfall. XXXX XXXX, HUD certified housing counselor, was on the call. XXXX emailed the company and XXXX XX/XX/XXXX requesting they remain on forbearance. 
We have made mortgage payments in XX/XX/XXXX of {$620.00} and XXXX {$600.00}. We have less than {$8000.00} to pay off our mortgage. We are asking for fair repayment plan according to the COVID Relief guidelines.
Consumer complaint received 2019-06-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2019, I went into Wells Fargo in XXXX, MN to pay for my overdrawn checking account and close the account. While speaking with the Personal Banker, I was told that while the account had not yet been charged off, it was in the process of being charged off and that I couldn't pay the balance to stop the charge-off. I was also told that I couldn't pay the amount due on the charged-off account because it was " in-process. '' So either way, they wouldn't accept my money. I expressed my concern about this to which he replied that his hands were tied ( he was also frustrated along with me, which I felt was genuine ) because Wells Fargo wouldn't stop it from being charged off and wouldn't accept the funds towards the account, even though I had the funds in hand to deposit. 

My complaint is not at all with the Personal Banker ( XXXX XXXX ), who assisted me to the best of his ability. My complaint is regarding Wells Fargo 's unwillingness to stop the charge off that was " in process '' when I came to the Bank to make my account whole and close it. I am now not allowed to open a transaction account in the state of Minnesota for 12 months due to Wells Fargo 's unwillingness to take my funds and stop the charge-off. 

Furthermore, I applied for an apartment and had to have 2 guarantors due to the charge-off being on my credit. 

Lastly, my savings account was a negative {$5.00} due to a fee for falling below the minimum balance. I paid the {$5.00} to bring the account to XXXX and thought the account was to be closed. I just received my statement and it now shows another {$5.00} charge for this, putting me back at a negative balance. 

This experience with Wells Fargo has caused me hardship due to a ) not being able to open an account in MN for 12 months, b ) damaging my credit, and c ) costing me money. 

The account closure should be removed from my credit report and Wells Fargo should contact me to accept my funds to rectify the situation. I will be moving to a community bank that focuses more on caring for their people than harming them.
Consumer complaint received 2020-02-08
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. (OH)

I previously tried to settle this matter with experian about unauthorized inquiries on my consumer report i sent them a letter explaining the problem trying to get experian to resolve the issue but they never did. On XX/XX/2020 i sent out another letter certified about the unauthorized inquiries on my consumer report and i still have not got a response. I requested there method of verification about these inquires and i never received anything from experian i will send a copy of the certified letter that i sent to experian on XX/XX/2020.
Consumer complaint received 2020-02-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Machol & Johannes, LLC (TX)

Machol and Johannes LLC, attorneys at law filed for a garnishment against my Father and Mother, out of XXXX Colorado, and received a court backed seizure of funds, however the funds seized were in accounts belonging to myself, who at the time was XXXX, and my Brother, who was XXXX, both of us are adults, and I do not even reside with my parents in Colorado, However my entire savings account was seized, {$830.00} dollars was taken out without my knowledge, while my brothers account was also emptied, and the company has refused to even discuss this issue with me. 
This occurred on XX/XX/2020, and neither the state of Colorados Attorney General has given any information, and Machol & Johannes still refuse to discuss their blatant theft from uninvolved parties.
Consumer complaint received 2020-02-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

I am a customer of Wells Fargo. I have been banking with them since we moved to the US in XX/XX/XXXX and have several banking accounts including Mortgages and Brokerage. My issue is regarding CDs with Wells Fargo. We have several CDs with Wells Fargo. There is no information online regarding the maturity date of the CD. This information is not available easily even if we call Wells Fargo. Wells Fargo also does not have the mechanism of taking maturity instructions which was to put the funds in to my checking account. The only option that I have is to call within 7 days of maturity, although there is no information on the maturity date. This is a scam by Wells Fargo to use customer funds available at a cheap cost without the customer 's permission. I lodged a complaint with Wells Fargo on XX/XX/XXXX. I was informed by the Customer Care Executive Office that I would be hearing back in 7 business days ( being the latest possible date ) from the Case Management team. I did not hear from them and called them back on XX/XX/XXXX, at which time I was informed that the case had not been assigned to anyone. They escalated to the Case Management team for assigning a case manager to look into my issue. I called again a few days later and was informed that XXXX has been assigned to the case. Although I requested them to call me, I once again received no response. On calling back today ( XX/XX/XXXX ), I have now been informed that XXXX did not do anything with the case and assigned it to XXXX on XX/XX/XXXX and as has been the pattern, she has not bothered doing anything either. It has been close to 20 days since my complaint to Wells Fargo and they have taken no action. This further feeds my belief that Wells Fargo does not care about its customers and has every intention of using customer funds without authorization. I do intend to move my various banking accounts from Wells Fargo to another bank that cares.
Consumer complaint received 2019-06-24
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. (CA)

I have a public record on TRANS UNION which shows a public record. It does NOT describe the record, except it shows the institution who filed the record is the US Bankruptcy Court. XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. It is recorded at {$0.00} and dated XX/XX/2010. I wish to have removed based on time and payments.
Consumer complaint received 2022-07-21
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. (IL)

In accordance with the Fair Credit Reporting Act convergent accounts has violated my rights. 

Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 15 U.S.C 1681 Section 602A 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 account without my written instructions.
Consumer complaint received 2021-06-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (NY)

Netspend new accounts ask for two forms of ID ( government ID and utility bill ) be sent to an email and there is also a phone prompter questions to verify a new identity AND the document does not say anything about verifying your social security number nor does it ask for any of this. Sending these documents to a system we believe is outsourced where there can be identity theft problems in other countries. They have refused to grant me my verification so I called them to get my {$10.00} released and they said I can just spend the money on the card and later close the account. They have blocked my online transfer facility after they told me that I could facilitate that if I got a new card and that advice was wrong. I have sent back to them a screenshot of the initial online form where it requests these two forms of verification for who I am - and not a verification of my social security. After all, it's a prepaid card and they are not giving me any credit. The email that they are giving out to use has the wrong address they told me at customer service. 
Mail Delivery System XXXX is what you receive but the email is to Documents XXXX, and thy have a mail delivery problem. This is no way to send out personal documents.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Hello, how are you doing? 
I recently got a copy of my consumer report and found out the my name was being use by someone else. 
Not only was it use by someone else the names are spell incorrectly. 
These misspelled versions of my name were used to open up some form of credit. 
I have no knowledge of these account with misspelling as I only use my name with the correct spelling ( XXXX XXXX ). 
My name is Spelled XXXX XXXX and there should be no other spelling on my credit report. 
I have never authorized any use of my name for any of these account and they need to be removed from my credit report. 
I will be attaching my drivers license and a copy of my consumer report with the names that are miss-spelled and accounts that don't belong to me. 
Thank You
Consumer complaint received 2019-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (GA)

I have made Flagship Credit Acceptance aware many times I had a paycheck garnishment last year and I am in the process of trying to get back on track and pay my bills on time but it takes time. Each month 4 days after my car loans due date I start receive multiple calls a day a minimum of 4 with as many as 7 or 8 a day wanting payment for my car loan. I am not 30 days past due and I have told them I cant make payment arrangements because Im living paycheck to paycheck but I will pay you. These calls start at XXXXXXXX eastern time and they end around XXXX eastern time. They will call from multiple phone numbers throughout the entire day harassing me. The calls only stop once I make a payment arrangement. When you talk to someone they dont find ways to help you they just demand a date for payment and secure a payment method.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: MoneyLion Inc. (CA)

Somebody opened an account with a company called MoneyLion without my knowledge or consent. I called moneylion in attempts to close the account but they said they can not help me. After the first call, they no longer pick up my calls. This account has my social security number, email, address, and someone else 's phone number.