davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
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. (IL)

This is the 3rd time I'm addressing this concern with Equifax. I recently submitted a complaint to the CFPB XXXXRegarding that Equifax will not release my credit information to XXXX XXXX and XXXX. The never addressed my concerns and closed the case. Here 's their response : Company 's Response Please be advised that there are many different credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Please contact your lenders directly in regards to your application for credit. 


They have an automated system responding to the complaints as they should be fined for this for wasting the CFPB and my time. 

Also I signed up for a membership with Equifax and it was supposed to be {$1.00}, but they charged me that twice. This company is a scammer and instead of them doing what they're suppose to do they don't.
Consumer complaint received 2021-02-12
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (AZ)

I opened an account with BBVA XX/XX/2020 and the advertisement read Open a checking and receive XXXX and savings XXXX. I received XXXX total. This is a deceptive practice to advertise one thing and provide another.
Consumer complaint received 2018-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK (IL)

Some time in May I lost my TFc bank card and me and my son socials in my wallet I hade XXXX $ on my card that I needed to use for my son milk I happen to notice that I didnt have my wallet so I pankied because this is unlike me I even called the police they said they can mske a report but they couldnt do nonthing about it I called the bank they said my account was on locked and closed because it was in a negative
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I started a modification in XX/XX/2020 with Mr. Cooper. They put me on a trial payment plan and then I experienced a hardship because of the pandemic and coronavirus.. mr. Cooper contacted me and advised me that theres options to have a forbearance program which I can defer payments up to 18 months. They promised me and assured me that after the modification and forbearance is done theres going to be a payment option available so I dont have to pay a lump sum payment.

For the last 60 days Ive been going back-and-forth with Mr. Cooper because theyre sending me notices saying that I have to pay {$46000.00} upfront for the deferment? 
Ive spoke to multiple representatives there and they assured me and promised me and the phone calls have been recorded on their line saying that they would help me after the payment plan relief program is over due to the coronavirus pandemic. Now theyre telling me that the investor will not allow me to modify my mortgage since I already had a modification started in XX/XX/2020 they are expecting me to pay {$46000.00} upfront as a lump sum payment or I have to face foreclosure. This is not right I feel that Ive been taken advantage of based on poor customer service and horrible advice from Mr. Cooper. I have a XXXX XXXX home mortgage conventional loan and I need help! Please have someone call me as soon as possible at XXXX
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022, my phone was stolen in XXXX, my phone was pass code protected, yet the person/persons who stole my phone were able to unlock it and get into my online banking and digital wallet. I was not aware of the transactions that were being made on my device, nor did I authorize anyone to make those transactions, I had only become aware of the unauthorized activity when an individual who I was traveling with, received a call from my wife, stating that she had received some calls from our family and friends that I was texting them that I was in trouble and needed them to send me money via XXXX XXXX At that time my wife checked our accounts and noticed the strange activity on our accounts, so she proceeded to call Wells Fargo online and alerted them and opened a claim. When I was made aware I called Wells Faro Online and had them deactivate my online banking and freeze my accounts. I filed a police report with the XXXX Police Department on XXXX XXXX. They used my digital debit card that was on my phone, they transferred money from my online savings into my two different checking accounts, they created a new digital card from a checking account that was never linked to my phone, and they added 2 new XXXX contacts and transferred money with XXXX. I have filed multiple claims with Wells Fargo, have gone into ( 2 ) Wells Fargo branches and had a banker call and help me dispute the claims, I faxed over the police report and did not receive confirmation that it was received, I have called numerous times and I am not able to speak to whomever is handling my claims. I just received letters stating that my claims were denied. I filed a claim with an executive and I never received a call only an email that my claim was denied. Only XX/XX/XXXX I received an email that one of claims was approved that a mistake had been made and it was reversed, I called about my other claims, yet I was told there were denied. 
All this was done without my authorization, knowledge, and by someone I do not know. Below is a summary what was done on my accounts : 1. ( 2 ) online transfers between my accounts one for {$5000.00} and one for {$6000.00} 2. 28 transactions using my digital debit card that was linked to my everyday checking account, of the 28 transactions 16 went through for a total of {$4900.00}. This claim is being denied. A part of this claim is a charge from XXXX that on XX/XX/2022 they determined that it was fraud. I have provided their email and response. 
3. A new digital card was created and a total of 11 transactions were made with all of them going through for a total of {$1000.00}. This claim was approved by the fraud department 4. ( 2 ) new XXXX recipients were added and they sent {$25000.00} to one and {$830.00} to the other. I have not herd back about this claim.
Consumer complaint received 2023-03-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Its a crime and SLS robbing me. I am requesting SLS referred to department for criminal complaint. 
SLS applying more than the amount of property tax bill and robbing again and again for financial mismanagement of payments. 
For XXXX property tax is {$3300.00} divide 12 months is {$270.00}. 
7 I have been charged {$2700.00} for 3 months while payment should have been billed {$830.00} I have been charged for close 9 months property tax while as we are still XXXX or third month of the year. 
For 4 months I have been charged total of {$1.00}, XXXX ( XXXX x XXXX ) For 3 months I have charged total of {$1000.00} ( XXXX x XXXX ) STATEMENT DATED XX/XX/XXXX. 
Four payments of {$420.00} OF ESCROW AND IS WHAT PART FOR AND PROVIDE COUNTY TAX BILLS. I HAVE BEEN BILLED FOR 4 MONTHS {$420.00} TOTAL OF {$1700.00} how did SLS came up with figure? 
Three payments of {$350.00} OF ESCROW IS WHAT FOR PROVIDE FULL BRAKE DOWN OR ITEMIZED BILLS WITH COUNTY TAX BILL HOW DID SLS CAME UP WITH THIS FIGURE. 
According SSLS when the loan was transferred on XX/XX/XXXX payment was due from XX/XX/XXXX which means total of 43 payments. At that time my payment was P/I ONLY OF {$920.00} X XXXX = {$38000.00} OF {$60.00}, XXXX {$21000.00} has been stolen. This should refer by be law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Of the {$60000.00} {$17000.00} payment applied and from 1 and 2 contradicting this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Of the {$7800.00} payment applied {$2700.00} for 9 months and it should be 3 months only and over billing me this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
I have been robbed close {$50000.00} I made request in complaint for refund in prior complaint this he been and denied this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Response to CFPB complaint dated XX/XX/XXXX states SLS paid {$720.00} to XXXX for home insurance for no reason. XXXX XXXXXXXX XXXX informed SLS I was paying my insurance and SLS should be paying insurance. I have paid my own insurance. My insurance form XXXXXXXX no payment has been made so SLS should referred to DOJ, FBI and law enforcement for criminal investigation. 
SLS does not payment or any other any other form confirmation from insurance company. SLS and every other mortgage needs declaration page of the insurance. When it to my attention around XX/XX/XXXX I provide declaration cover page. Confirmation form SLS is attached. 
CEO of SLS should get arrested.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

I am trying to temporarily lift a credit freeze on my Equifax credit report. I have tried the myEquifax website, the XXXX XXXX  XXXX site, and also the customer phone line. None of these avenues works. The website gives me the following error message, and a link that diverts you to the phone line : We are temporarily unable to retrieve the status of your security freeze. Please click " Manage a freeze '' for more details. 

The phone line will accept all your personal information and quiz you about your background, but once all is accepted, will tell you that it is unable to retrieve any of your information and that it is not working. I was able to unfreeze my credit from the other two agencies within 5 minutes, but am spending hours trying to get my credit unfrozen with Equifax.
Consumer complaint received 2017-09-23
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: WELLS FARGO & COMPANY (FL)

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now stressed, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX XXXX 2. Wells Fargo Card Service 3. XXXX XXXX XXXX
Consumer complaint received 2022-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

Timeline of Events : XX/XX/2021 : Resident sent letter to XXXX XXXX XXXX seeking extension to XX/XX/2021. 

XX/XX/2021 : Sent notice to XXXX XXXX XXXX property manager ( XXXX XXXX ) that extension no longer needed and would be vacating apartment on XX/XX/XXXX. This notice was acknowledged by property management. 

Received ledger from XXXX XXXX ( parent company ) and Move out statement from XXXX showing a balance owed of {$810.00} which was dated XX/XX/2021 NOTE both the ledger from XXXX and the Move-out statement from XXXX XXXX. 

Various Communication with XXXX, that finally ends with a Move-Out Statement from XXXX XXXX XXXX showing a ZERO Balance and an e-mail from property manager that says you are actually due a refund - XX/XX/2021 However XXXX XXXX ( parent company ) continues to say I owe the balance as the write-off was just at the property and not at the parent company level even though I have an e-mail from the property manager saying we were due a refund. 

Last communication with XXXX was in XX/XX/2021. I had assumed they finally accepted all the documentation I had provided and made their books ( ledgers ) match that of the property. However I received a call from Genesis today as, attempting to collect this fictitious debt. However the debt is question is not owed as evidenced from communications from the property itself. 

What further complicates this issue is the property has since been sold and all former property managers had quit or been fired by end of XX/XX/2021. 

I am seeking advice on how to move forward.
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I have an all cash offer to pay my PHH mortgage in full and I asked for an extension of the foreclosure sale date due to title issues. My mother, deceased in 2012 was still on title.

I also provided PHH all the documentation requested PRIOR to the foreclosure sale date which were : - Proof of funds in escrow - Sales contract And they still refused to extend the foreclosure sale date. So I also filed bankruptcy to stop the sale and buy time, and they still sold the house to a third party and are now having to rescind the sale. 

This is the fourth complaint I have filed against this unscrupulous mortgage company. I am a XXXX yo XXXX woman on dialysis trying to realize the generational wealth my parents left me and these people are doing their best to prevent that from happening. 

I need time to handle the title issue and have retained an attorney to do that. My cash investor is willing to wait until we can go through expedited probate. 

PHH will get their money.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC. (PA)

I started going into the hospital because of my spine my XXXX with my wallet attached was stolen I lost my XXXX in XXXX I have had to have my spine fused together I need my money someone drained my Robinhood debit card and they have done nothing I need help it's close to {$10000.00}
Consumer complaint received 2021-02-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AmeriCash Holding LLC (IL)

The calls started recently. I defaulted out of my payment plan of $ XXXXmonth due to a stolen debit card, which is where the payments were deducted. I took out an emergency loan of {$320.00} back in XXXX of 2019. I was told that my balance was {$610.00} which is a 52.78 % interest rate. The representative, XXXX XXXX at extension XXXX has been calling me and talking to me in a forceful way and threatening legal action against me such as XXXX wage garnishments, never deducted the payments that were already deducted. ( I no longer work with XXXX. ) Mr XXXX has been so forceful in tone and language, I can barely stay on the phone with him to negotiate the settlement. Also, I was given an ultimatum of wage garnishments or biweekly payments of around {$70.00} for 3 months at a {$400.00} settlement. The settlement should be lower since Ive already made payments. Ive seen many people with {$4500.00} to {$10000.00} loans get treated with more respect. I called on Wednesday because I actually would like to remove this toxic debt. I still received a XXXX XXXX
Consumer complaint received 2019-06-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MD)

I switched banks and forgot to let this company : American Collect know which I take fault for. The payment did not go through and then my representative XXXX who is assigned to my case called my home, called my cell, and then called my job on Friday XX/XX/XXXX from XXXX. I work a XXXX-XXXX shift Monday through Friday. She called my job and my Office Manager politely told her to not call her again. I called Rep XXXX after my work shift- apologize to her and let her aware that I could pay something on the XX/XX/XXXX. Today is XX/XX/2019 and she calls my cell, and then calls my job. I answered and repeatedly told her to not call my job. She talks over me and says I need to confirm my identity to make sure she makes notes of this. I verify who I am and then she continues on talking as if I just told her that I am working and can not talk. I could lose my job because of her!!! I told her to not call my job and hanged up the phone. I am not going to pay anything until I get another representative on my case. I do understand that this situation was initially was my fault- but she should abide by the laws of my rights.
Consumer complaint received 2019-06-03
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX   XXXX ;
Consumer complaint received 2022-03-01
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: CCS Financial Services, Inc. (NJ)

The Companie is repoting to the credit agency that I owe XXXX to them. I never had a contract with them. The companie was sent notice 30 to 60 and they didn't remove it from my report and its still repoting with a blance. The date was last reported XXXX the opend date was XXXX
Consumer complaint received 2022-03-01
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-03-01
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. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: American Coradius International LLC (FL)

American Coradius International ( ACI ) called me on XX/XX/2022 at approximately XXXX. They explained they were calling to collect a XXXX XXXX XXXX XXXX loan against a company I no longer work for. This was the third call they had made to me over the past three weeks and each time I explained that : 1 ) The loan was provided to a business and they are calling a personal cell phone of a former employee.

2 ) The business had closed ( out-of-business ).

3 ) Please stop calling. 

They continue to call me.