davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Bayview is guilty of financial impropriety and borderline fraud by grossly understating my monthly income and greatly inflating the " value '' of my property for the purposes of foreclosing on my home. 

At issue is a modification request that Bayview denied ( letter attached ). In the letter Bayview understates my monthly income by {$5000.00} a month and over estimates the value of my home ( comps attached ) by almost {$200000.00} for the purposes of denying my modification request. This is fraud and unacceptable.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (GA)

I paid for a service XX/XX/23 ( {$500.00} ) and did not receive service. Did my own investigation and found out the individual a paid service to is a scammer/doing fraudulent activity. I dispute it with credit card company Marcus Goldman sacs and the are telling me that the investigation will take 90 days. I have sent them proof of this individual with a news segment on how she been doing fraudulent activity with people credit and social security numbers. Her name is XXXX XXXX. ( XXXX XXXX XXXX XXXX ) Is the link to news segment. I was scammed and it shouldnt take 90 days to investigate and reimburse my money. They are not even working on my dispute. I have called numerous times to get this resolved.
Consumer complaint received 2023-03-18
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. (TX)

I sent a letter on XX/XX/XXXX, to remove these items : XXXXXXXX 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 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 XXXX XXXXXX/XX/XXXX the aforementioned items are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again.,
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Wave Financial USA Inc. (FL)

4 INVOICES WERE PAID BY 2 CUSTOMERS ON XXXX, FOR MARKETING, ACCOUNTING AND OTHER BUSINESS SERVICES. THE MAONEY WAS NEVER PAID AND THE COMPANY SAID THEY WOULD ISSUE A REFUND IN 65 DAYS. IN THE ORIGINAL AGREEMENT INVOICES ARE TO BE PAID IN MY ACCOUNT WITHIN 5 TO 7 DAYS.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (OH)

My house mortgage was about to go into forclosure, but went into court mediation instead, so that a new payment plan could be done with a loan modification. Well, XXXX XXXX was to be the first of 3 ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) trial payments. Ditech, ( the company ) never furnished a payment plan to me, my lawyer or the court. They could n't give a fair answer for the delay.So now this payment plan is in limbo ... plus there are other pending issues like charging me their home insurance when I showed a number of times I had my own insurance..Still on the " bill '' plus late charges while they wait on giving this payment plan, and while interest rates are going up ... I need Ditech to give me the plan so we can get this done.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (CT)

I had workable credit card business relationship with Aspire credit card co. I sought to close my cc acct back in XXXX of XXXX. I contacted Aspire by phone, made full payment to close this credit card. It took Aspire over one month to withdraw the final payment. Subsequently my closed Aspire cc incurred a penalty fee of {$190.00}. They sold it to a collections agency, XXXX XXXX and profited off this. XXXX XXXX has humanely worked with me but expect a XXXX payment. This should be a XXXX balance without profiting off collection sale of my cc account.
Consumer complaint received 2019-11-18
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. (MS)

I tried to refinance my home as I have a XXXX XXXX and want a G.I. loan. 
CFPB has done a great job of canceling loans I did not make. There were a few bad checks written on my old checking account which I am not on. 
I honestly do not know of any charges I owe that I do not pay. All of the three credit reporting companies have my credit rated in the low 600s. XXXX score of XXXX, XXXX score of XXXX and Trans Union score of XXXX. 
I can and do pay cash for everything I have except the home mortgage, I do have a good monthly payment for that loan.
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TN)

DISCOVER CARD SENDS FALSE STATEMENT TO CUSTOMER CREATING {$7200.00} IN EXPENSES FOR CUSTOMER CUSTOMER SCAMMED I opened an account on XX/XX/XXXX for a credit card with {$8000.00} credit line. Someone I had made friends with online ( I later obtained information which leads me to believe this is an organized crime ring based in XXXX ) asked to borrow some money to ship some gold to the US and agreed to pay me back. I sent about {$7500.00} to this person on XX/XX/XXXX. The return payment of {$7000.00} was made from an unknown account ( not my account ) on XX/XX/XXXX. Discover Card told me the payment was received and gave me credit on my balance making {$7000.00} additional money available for me to spend. I sent an additional {$7200.00} on XX/XX/XXXX. The payment was returned on XX/XX/XXXX. I would not have sent the additional {$7200.00} and would not have been able to if not for Discover Card 's false statement. I turned this over to the FBI IC3 unit but the unit has not taken any action to date and they say they probably will not take any action. The courts awarded Discover Card {$7500.00} they paid a different court {$1000.00} security and they were then awarded {$14000.00} plus legal costs.
Consumer complaint received 2017-05-30
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: Experian Information Solutions Inc. (AL)

XXXX   XXXX ,  2016     Opened Date  XXXX  {$320.00} . I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX     2016,   Opened Date.   XXXX   XXXX  {$610.00}. I was told that i was no longer liable for this credit line.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

I spoke with Wells Fargo on XX/XX/2021 because I received an alert with XXXX about an account being open which I did not apply for. The lady explained that someone opened a checking account online in my name and they will open a fraud case about the matter.
Consumer complaint received 2023-01-03
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-04-18
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: EQUIFAX, INC. (TX)

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-18
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. (MI)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. I need the inquiry to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HOME FINANCING CENTER (FL)

Hello, On XX/XX/XXXX I was notify by credit reporting services that I was 30 days late on my mortgage for the month of XXXX. When I contacted the creditor Home Financing Center about this error and how am I 30 days late when we ae only 8 day into the month I was told that this would be correct. As of today the manager XXXX XXXX and Customer Service Rep XXXX that I've been speaking to has been ignoring my call.
Consumer complaint received 2016-06-20
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (TX)

Applied for a loan with Ditech mortgage and have not received anything in writing from them. I did talk with XXXX XXXX and he said that it had been declined and they were looking into another loan situation for me. To this day I have not heard anything. 
I called and left several messages for a supervisor by the name of XXXX XXXX @ XXXX in the refinance dept., but I have not received a call back. Also the person that took my application by the name of XXXX XXXX will not respond to my calls. 
Can You please help me get a letter of status concerning Loan # XXXX with Ditech Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
My mailing address is XXXX. XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-03-18
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-18
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (MS)

XXXX XXXX  was removed off my other credit report experian will not remove after i disputed it an sent in documents of it being paid in full
Consumer complaint received 2023-03-18
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. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy 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
Consumer complaint received 2020-12-22
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)

Well I checked my report and figured out inquiries that are not mine. Its a mistake and inquiries that are not mine appeared in my credit report. Also in some bureaus I do not see them and some report inaccurate information. How that possible that some bureaus reporting wrong information? I believe I am a victim of identity theft otherwise I can not understand and I do not recognize these inquiries. Please remove these inquiries because I am not connected to the them absolute.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

Went to XXXX XXXX at XXXX to get tickets, under the purchase > price > passengers screen I got the following offer : Get a {$200.00} statement credit after first purchase and earn XXXX Rapid Rewards points. 
XXXX XXXX now > XXXX XXXX Includes taxes and fees {$640.00} Show fare breakdown By tapping 'Purchase ', you accept the below conditions Purchase Contacted them on XX/XX/XXXX via secure message about this offer. On XX/XX/XXXX we were told Hello XXXX, Thank you for contacting us about the new cardmember bonus offer on your XXXX XXXX XXXX XXXX credit card ending in XXXX. It is my pleasure to assist you with your inquiry. XXXX, we reviewed your account and confirmed your applied for the offer to earn XXXX bonus points and a XXXX XXXX XXXX XXXX after you spend {$3000.00} on purchases in the first 3 months from account opening. We are unable to honor your request for the offer to earn a {$200.00} statement. The available credit card offers can vary and change at any time. We strive to ensure that our offers are clear and once you are approved for the card, you would receive the specific offer terms that are disclosed when you applied. We can not guarantee the specific offer you are requesting will be available when you apply for the card. " Purchases '' do not include balance transfers, cash advances, traveler 's checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, racetrack wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We're truly sorry for any dissatisfaction this matter has caused. 

We ended up closing the account because they would not fix their error. We would have never bought tickets with them at that rate, and would have charged it in our 0 % XXXX card if not for this fake offer.
Consumer complaint received 2021-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

I have two fraudulent charges on my Barclys card XX/XX/XXXX {$65.00} apple.com/us XX/XX/XXXX {$65.00} apple.com/us The charges first appeared in XXXX. I actually contacted them while the charges were still pending and informed them that I did not make the charges. They allowed the charges to process so I contacted them again and reported the charges as fraudulent. I received written confirmation that I was not responsible for the charges and that they would be removed. The charges were not removed. I contacted them via phone and email several more times. Each time I was assured that the charges would be removed but they have not been. At one point they were removed but then reapplied a few days later .They have added late fees to my account. I continue to contact them. They told me someone would contact me but no one has. The charges remain and additional late fees remain.
Consumer complaint received 2019-03-26
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. (NY)

I am a victim of identity theft I notified equifax numerous times I circled items in my report that were fraud sent them identity theft police report and was told by the fcra 605b that they are required by federal law to remove these items and equifax refuses to remove items, I have tried for over 3 years to get said items removed and they are refusing to do so, they have cost me homes mortgages loan, jobs, and credit cards because of inaccurately reporting these items on my file. I have done what I was told to do and equifax refuses to cooperate and I am filing a complaint with you to force them to cooperate with the law. I will file complaint after complaint until items I circled are removed. And I also will be bringing them to court in regards if it they are not removed for damages.
Consumer complaint received 2023-03-18
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. (TX)

I sent a letter on XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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 U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} U S DEPT OFED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (HI)

My credit card was breached XXXX XXXX. My bank cleared the charges that were made at the time and I changed my card. These charges were made after I closed that credit card, and therefore, did not show up on my statement. I did not make these purchases, nor did I receive any services. The charges were made to XXXX. XXXX then sent the charges to a collection agency called GC Services and that was the first time I knew about the charges. I did not know how to get in touch with XXXX, but I wrote to the collection agency to clear it, but they sent me a letter saying I still owed it on XX/XX/XXXX. I filed a complaint with the FTC Report Number : XXXX on XX/XX/XXXX. I just received another letter from a different collection agency, XXXX XXXX XXXX who said that they purchased my account from XXXX and is giving me until XX/XX/XXXX to pay {$210.00} of the total balance of {$350.00}. Again, I did not make any payments because I did not receive any services.