davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX, XXXXXXXX Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-01-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

Due to COVID I was not employed when I was able and ready to return to work my only child was XXXX  in XXXX of 2021. The mortgage is held with PHH/ XXXX  dont understand the difference. When I was allowed to be in deferred status I requested every month to have the loan be process for a modification due to the fact that my son was XXXX  and he assisted me with my financial support. I was repeatedly informed that there was no need to start the process until the deferment period ended. ( The Loan is in my mothers name XXXX XXXX I am the POA have been for over 15 years ) I asked repeatedly if they were part of the California mortgage relief funding program I was lied to and was told yes. After the program was finally available in California I applied to my horrible surprise I was informed that I would not be able to receive help because PHH is not part of the program. 

Due to their on going deception I have lost valuable time to seek assistance to maintain my home. 

I have been a emotional wreck since the XXXX of my son which they are well aware of due to the fact I was asked to submit a statement. 
Why would PHH lie. 


XXXX XXXX XXXX
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

XXXX XXXX XXXX XXXX put a collection on my credit. I sent a request to them asking to verify the account. This has been going on for four months. I have sent several requests. They never sent anything yet they continue to put this on my credit. XXXX XXXX is not licensed or bonded to collect in my state. They are in violation of the Texas Finance Code Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
They are also in violation of the FDCPA
Consumer complaint received 2023-02-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I received a letter from Bank of America in in XXXX, AZ and i never went to AZ. The letter stated I wanted to open a deposit account. I did not open any account with this bank. The telephone number on the letter is XXXX. The letter stated I request to open the account on XX/XX/2023. I received this noticed on XX/XX/2023. This letter also have another phone number listed as XXXX it have an address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXXXXXX XXXX
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo held my mortgage loan for about 10 years, prior to transferring it inXX/XX/2019.. In addition to all of the typical mortgage and foreclosure law violations, ( resulting in numerous class action suits that Wells Fargo is defendant in ) Wells Fargo also continued to call me with its robo-dialers after multiple verbal and written revocations of consent on my part. This is a violation of the TCPA ( Telephone Consumer Protection Act ), which award 's victims {$500.00} - {$1500.00} per call. Wells Fargo then transferred my home mortgage loan to Specialized Loan Servicing in XX/XX/2019 and provided Specialized Loan Servicing my phone # s to also begin contacting me via robo-dialer. They also provided incorrect information to Specialized Loan Servicing regarding the balance and fees on my loan. 

Now that I am filing suit against Wells Fargo, they are denying that they held a mortgage on my home and are denying that they ever contacted me. 
I am moving forward with a TCPA lawsuit against Wells Fargo in the state of Michigan, and will be filing additional claim against Wells Fargo under RESPA ( Real Estate Settlement Procedures Act ) law. 

If you are a victim of Wells Fargo, consult a consumer rights attorney in your area, and ask about seeking damages under TCPA and RESPA law.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (ID)

I was informed that through my Bank something was attempting to purchase items I did not approve of. 

I was told no money would be taken out they just needed a code to submit a claim and stop payment of the purchase. 

They took two payments out totaling roughly {$1700.00}. Because it was done through XXXX my Bank is not supporting me because it was done through a third party.
Consumer complaint received 2020-11-17
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. (CA)

My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help me.
Consumer complaint received 2021-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a silk shirt from XXXX and then after receiving it, I found its not a silk shirt. XXXX refused to help and says its final sale. Its basically lying to customer about the fabric, so its defective.I contacted capital one credit card and capital one dispute had a charge back on my account several days later, without even an investigation. I think capital ones dispute process is truly broken. Ive had several charge backs like that and its simply not working. 
{$32.00} on XX/XX/2021
Consumer complaint received 2020-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo was unable to appraise the property I am purchasing in time to meet my closing & was unresponsive and ineffective in resolving the issue. I went under contract to buy a property XX/XX/XXXX. I chose Wells Fargo because they said they could meet my closing date of XX/XX/XXXX & would schedule an appraise that day to expedite the process. The appraisal was never scheduled. Wells ordered appraisals through a 3rd party and refused to follow up and resolve the issue when the appraisal companies canceled and failed to meet their obligations ( they would simply tell me the status listed in the system rather than actually checking with the company ). Finally it was too late to move to another bank and still make the closing date, which will likely result in losing my deal and therefore the thousands of dollars I have invested in inspections, title search, attorney fees, etc., not to mention losing a unique property that I will not be able to find a substitution for. Throughout the process, I have made many phone calls that were unanswered ( and voicemails not returned ) and hit frustration after frustration as Wells ' only response has been " it's out of our hands. '' This also impacts my credit report as a credit inquiry I should not have made.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CITIBANK, N.A. (GA)

Citibank closed my account stating I filed a fraud claim and non payment of account! Both accusations are lies made by Citibank employees who been XXXX XXXX me and harassing me since XXXX, XXXX. 

I filed a lawsuit dispute in regards to merchandise I purchased that the order was not fulfilled by the merchant. The merchant took 3  months but finally placed all the credits on my Citibank credit card account. Citibank employees then opened a fraud claim for transactions that I never disputed. 

Citibank employees then closed my account saying it was due to non-payment of fraud claim! 

Citibank has cut all communication with me and still have my account closed for no valid reason! 

I am saying 100 % all the actions taken again me by Citibank is 100 % XXXX  motivated and the harassment  has caused me financial harm. 

Citibank jeopardized my life and family life by allowing the same group of employees to harass me and send Police to my home based on their XXXX  and ongoing discrimination and harassment. 

To date I have no answers from Citibank stating the reason they sent Police to my home! Why they opened up fraud claims that I never requested, why my account is filled with notes by the same XXXX employees who created this problem, and why my account is closed! 

I have done NOTHING to justify all the bad things CitiBank has done to me.
Consumer complaint received 2021-06-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (VA)

In XX/XX/XXXX, I took out a no-interest financing loan from Green Sky to purchase new blinds for my condo from 3-day blinds. See attached contract. The special financing would end XX/XX/XXXX. The blinds were installed in XX/XX/XXXX. 

To pay off this loan in a timely manner, I paid XXXX a month. Then, I noticed in my XX/XX/XXXX statement ( see attached statement ) that another charge from XXXX  XXXX  had been added to my account on XX/XX/XXXX for {$2100.00}. I never authorized this charge at all. From an email document from XXXX XXXX  sent to me by a XXXX, there was an account posting to XXXX XXXX XXXX XX/XX/XXXX for {$2100.00}. See attached png photo. I suspect that somehow this got charged to me for some reason. I notified both Green Sky and XXXX XXXX of this account error. All I want is that the {$2100.00} charge placed on my Green sky account be removed Despite the fact that I notified Green Sky and XXXX XXXX  of this mistake it has yet to be corrected. There have been all sorts of strange actions taken on my account, leaving me with a negative balance of - {$1200.00} ( see excel file attached ), which makes no sense to me at all. I still owe money on the account from my last XX/XX/XXXX statement to the tune of {$2200.00}. I called Green Sky on XX/XX/XXXX and spoke with the case manager XXXX XXXX on my account who did not seem to understand what I was saying and was unable to resolve the situation. Hence, I am turning to you for assistance. Thank you very much.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

This complaint is about my Chase Freedom credit card. I had this credit card for a 2-3 years, and my highest limit was {$12000.00}. I was paying it monthly and going about my business as normal. This year I have not worked due to COVID. I have not been able to find work even after applying - either I was too over qualified as I was given an excuse of or just havent been contacted. I would take anything right now. Anyway, I havent been able to pay this credit card as I am choosing to pay my rent before the card. Chase knows I can not pay, and they continue to charge late fees and interest fees. They keep sending emails that it will be written off. Fine. But it hasnt ... so it continues to charge me fees that I can not pay. This is ridiculous. I would have paid it back when the charges were smaller if they allowed me to set arrangements, but they did not.
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WV)

Midland Funding has failed to verify the debt after repeated requests. Last week they removed and added the collections to my credit report again resulting in an unnecessary drop in my credit score. When I ask for verification it is my debt, they only supply a copy of a bill. Nothing to verify the accuracy.
Consumer complaint received 2021-06-05
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. (MI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (TN)

I'm desperately trying to get in touch with this bureau. I sent letters at least over 60 days ago to this bureau and they have not responded what so ever. I'm highly upset plus stressed out and have been sending letters before this with no response. They are clearly breaking the law and do not care to abide by it. Don't they have a time limit on how many days they are required to respond to a regular consumer?
Consumer complaint received 2021-10-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

In XX/XX/2021 I was challenging factual errors with proof. 
those agency was XXXX  XXXX XXXX after a few weeks they updated the accounts without putting the noted of dispute then I wrote some letters again in XX/XX/2021 and the result was that they did not accept the errors and I just said they wouldn't erase it This are the account im disputing in credit report XXXX XXXX  account # XXXX Portfolio recovery assoc # XXXX This accounts has many error i send them proof and they didnt want to acepted & after that the fail to the notice of dispute.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

My credit report is showing that I have a bill since XX/XX/2020 for Transworld System Inc., for {$1300.00} for XXXX XXXX. I am trying to buy my first home, meaning I don't have a home, so therefore, why would I have " XXXX XXXX. '' I live my mother. I don't need this, why would I have this bill? The debt is not mine. I '' ve called Transworld System , Inc and they keep telling me that they have to research this! It's been a month since they have been researching it. Because of this, I'm not able to move forward with my purchase! Please have them fix this!!! 
I have no documents because I have never been sent any thing on this.
Consumer complaint received 2020-11-16
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. (PA)

I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about ....
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX  CARD XXXX. The dates were XX/XX/2020, XX/XX/2020 my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreements accommodations.
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P. (UT)

I do not have anything on my credit reports with this company, Southwest Credit Systems. They call non-stop every single day and never leave a message. When I block the number, they call back with another number. I looked them up online and they are doing this with hundreds of people, many said they are fake debts.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I had opened an account with Citi Bank ; and, without my knowledge or permission, they sent me bills electronically. 
I used to work in internet security so am very familiar with the viruses that are spread by emails masked as being from financial institutions so I do not accept any bills via email, I expect bills to be mailed to me.. 
Since I did not receive any bills, I did not know I was past due and accruing interest charges. 
When they eventually called and I figured out what was going on ; I said I would pay the principal but not the interest because they did not get the bills to me. 
I sent the attached letter with my last check reiterating that I was not paying the interest. 
The letter did not make any difference to them, they continue to call and I continue to say that I am not paying any interest on these charges. 
Now, they have turned me over to a collection agency which is beyond infuriating