davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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. (TX)

I have sent numerous 609 letters regarding disputes to my credit file in addition to a 611 report asking the bureaus how they arrived to the decision to leave multiple charge off accounts as verified. 

XXXX XXXX XXXX  : Theyre  alleging that I owe for an account with them but all 3 bureaus are not only verifying the accounts without a proper investigation, theyre illegally changing the date of last activity & the date of charge off theyre giving is XX/XX/XXXX while the bureaus are changing the information with every dispute. The information is not in line with what the creditor is reporting so it needs to come off. 

XXXX  XXXX : The credit card on my credit file ending in XXXX was paid off on XX/XX/XXXX & I was told by the representative I paid this off with that it would be deleted from my credit reports but its still being reported as derogatory when its been paid in full. This needs to be deleted. 

XXXX XXXX  XXXX XXXX : This account is showing open when in fact its already been charged off & with every dispute youre allowing updates in payment history & for this to be factored into my available credit. The date of last activity is also being reset to this year which is incorrect. This tradeline should also be deleted XXXX XXXX : On my XXXX credit report its showing that I was 60 days late & Experian its showing 30 days late. I would like for the late payments to be removed since the creditor cant seem to keep up with accurate information regarding my account. 

XXXX XXXX : The credit card I had with them was paid in full but XXXX is still reporting this account as negative & Experian as well as XXXX are still reporting balances. This account also needs to be deleted XXXX XXXX  : Last Active dates are all showing different which has something to do with the way its aged on my reports.This is inaccurate information that needs to be deleted
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (NC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was in a XXXX, unable to notice anything happening in my life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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/2021, I tried to come into my primary resident house, and surprisingly, my next-door neighbor XXXX  had taken my house, changed the locks on the doors and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is technically my primary resident house. I heard XXXX XXXX to the neighbors and he said XXXX XXXX XXXX I contacted select portfolio services and they told me to file a complaint to the government.
Consumer complaint received 2021-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES (CA)

Under CARES Act protection I entered into forbearance for 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made all of my payments on time before and after that period. Since XX/XX/XXXX I have been trying to resolve the unpaid amount from the forbearance period. I was told they lend would reduce my payment by 20 % while maintaining my 30 year mortgage. This did not happen. What happened instead is the lender is offering to extend my mortgage to a 40 year mortgage causing me to pay an additional {$70000.00} or more in interest. When I call weekly to Land Home Financial loss mitigation department they can not discuss any of this with me and promise a call back from a supervisor in 24 hours, which never happens. The loan modification docs they sent said to call and discuss this 40 year modification or the other option to just defer the 3 missed payments to the end of my current loan. I have been calling to discuss and declined the 40 year mortgage modification option and formally requested the 3 payment be deferred until the end of my current 30 year loan. The loss mitigation department can only make this noted on the file and say my servicer or their supervisor will reach out to me in 24-48 hrs. I just want to roll these 3 payments ( defer them ) to the end of my current mortgage. I dont want to be strong armed into a 40 year loan with an additional {$70000.00} or more in additional interest.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, Equifax, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? Equifax removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-07
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

I have been living in XXXX during the XXXX XXXX pandemic. In XX/XX/2022, I was approved for a third forbearance and a trial loan modification with a 3.5 % interest rate. In XX/XX/2022, the loan servicer M & T Bank sent me loan modification documents requiring me to have them attested before a XXXX notary prior to my loan modification being approved. Due to XXXX XXXX restrictions, the earliest date I could get a XXXX notary public was XX/XX/2022. Without any warning or notice they cancelled the loan modification in XXXX, returned payments I made in XXXX and XXXX. They are demanding a lumpsum payment of {$23000.00} and threatening foreclosure. I have asked them/they have refused to give me a payment terms that allow me to pay this amount in installments and resume mortgage payments. A copy of the request is attached, and proof of funds.
Consumer complaint received 2021-04-01
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: EQUIFAX, INC. (TN)

In XX/XX/2021 I sent letter requesting an investigation into some things my credit report that I believed were suspicious. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.
Consumer complaint received 2021-09-17
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. (MO)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (MD)

money was deducted from my checking account and got a confirmation of a payment to XXXX XXXX in the amount of {$490.00} XX/XX/2021 at XXXX got a phone call from impersonator saying they process payment and that he represented XXXX and that they were going to cancelled and refund payment in an hour to send them the message confirmation to XXXX them to cancel and i did then they sad number to and that they were going to cut my service because the amount they process didn't go through my bank and they need it another payment deposit in the same amount I called the XXXX number has they were in line they called me several times because call got dropped and I was on a waiting line but XXXX representative said it was fraud because they never process payment online and that i should call my bank called and reported payment has fraud to stop it but i see online an the payment was process through XXXX I don't know and I never authorized this payment then they call me im attaching the payment i see in my bank process to this guy I don't know and the emails with m & t back after i call to cancel my checkcard
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NV)

CLOSE MY ACCOUNT WITH DISCOVER SECURE CARD MADE A XXXX SECURE DEPOSIT NEVER USE THE CARD AND CANCEL IT NOW ITS BEEN A OVER A MONTH AND NOW THEY ARE TELLING ME ITS GOING TO TAKE ANOTHER MONTH BEFORE THEY SEEN MY MONEY BACK TO ME
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting me as suspected fraud on XXXX and XXXX XXXX because of that I am unable to open a checking account. I have been trying to open an account because in two years I would like to try and buy a house. That negative remark stays on your account for seven years. I wrote a letter to the Office of The President if they could stop reporting this. I was transferred to a department and the customer service rep was condescending and rude. I tried to explain my situation. I do not owe the bank any money, whatever I did wrong it was paid so they should stop reporting it.
Consumer complaint received 2021-04-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2021-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Carrington mortgage has a extreme delay in processing payment a payment was received and cashed on XX/XX/2021 they took 5 days to actually post or credit account very unethical. Submitted paperwork for modification 3 XX finally on 4th attempt received all information but is taking over 30 days to process while modification still processing receiving harassing phone calls for payment the company is not communicating with other departments. While under the modification process sent a horrible letter intent foreclosure 45 day late payment which was not accurate because they held a payment and did not accredited to my account they day they cashed the funds.
Consumer complaint received 2017-12-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (IN)

I was repeatedly lied to about settling with this debt collector by its collection dept at XXXX XXXX XXXX XXXX XXXX debt dept. I called on XXXX XXXX and spoke with a representative and came to an agreement to settle this debt before my court date on the XXXX. I was told if I paid them 1350.00 on the XXXX of XXXX XXXX, that XXXX XXXX XXXX would drop any actions moving forward with judgement. I repeatedly asked them if they would be able to make sure this was taken care of on their end and I would be safe from any judgements from this case. I was told 4x over on that phone call that I was released from any judgement and also that they messaged their paralegal who contacted the lawyer named XXXX XXXX of XXXX Indiana and the message was passed onto them and I was promised that they would drop any further actions and that they would make notes to leave extra messages for this lawyer to stop any actions against me for this upcoming judgement. I also asked for a letter stating this agreement be mailed to me expediated. I got neither. Instead, XXXX XXXX I got a letter stating the account that XXXX XXXX XXXX was suing me for was paid and is on contingent on the clearance of payment I already made to them. Nothing about the agreement to stop pursuing the judgement against me for said account. I got another letter on the XXXX of this XXXX stating I have to sign a new document of a fake settlement offer that did n't take place, tyring to trick me into accepting that they filed judgement against me even though we already agreed that if I paid them 1350.00 on XXXX XXXX XXXX that they would not file against me in court and the judgement would be stopped on that very XXXX XXXX XXXX and I would not need to go to court on the XXXX since this was considered paid there would n't be a reason to show up at court. 
This new agreement they drew up states that upon signing, they would file documentation with the courts to close the file. I also have screen shots of my XXXX account showing I paid them on the XXXX of XXXX XXXX. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you. Please note, if I am refunded my XXXX XXXX card name was not updated to my maiden name ( recently XXXX ) Name on card that was submitted to XXXXXXXX XXXX XXXXXXXX was XXXX XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt is still reporting. I have consulted with the Attorney General of Utah and know that this debt is past the statute of Utah. Not only is it past the Statue, it is past the credit reporting limit. Reporting it past the credit reporting limit is a violation of the FCRA and this must be removed immediately. I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I do not owe this debt and am now asking for a deletion letter as you are in violation.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

Wakefield & Associates sent a collection letter dated XX/XX/2021 in regards to an alleged debt. I sent a debt validation letter dated XX/XX/2021 via certified mail which they received on XX/XX/2021 asking for proof of debt validation documentation. FDCPA states that a debt collector MUST respond to a request for debt validation letter within 30 days from receipt of that letter. Wakefield has not responded to my request as of XX/XX/2021 which is well pass the 30 days allowed. Wakefield has reported this fraudulent account to my credit report, all 3 major credit bureau which puts them in violation of FDCPA and also reporting inaccurate information on my credit report which is in violation of my rights as a consumer. I have a right to ask for debt verification, and by LAW they must provide documentation proving the debt is mine, that i owe the debt, that i agreed to pay them the debt, and they have the right to collect the debt owed. If wakefield & Associates can not provide proof by law they can not report this debt to my credit report and must remove it immediately. Wakefield & Associates are in violation and I will be filing complaints against Wakefield & Associates with my state attorney general, the FTC, and disputes with all 3 credit bureaus.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is inaccurately reporting that I agreed to a one month term with them which I did not. Despite that they have and continue to report on my credit reports that a one month term exist. I have done plenty of research and know according to the fcra, everything is to be reporting completely accurate in it's reporting.
Consumer complaint received 2022-03-29
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: GOLDMAN SACHS BANK USA (CA)

During the month of XX/XX/XXXX I signed up for XXXX  Try then Buy program which allows users to try on a product for free and return it if they choose not to purchase it. I ordered a pair of XXXX glasses and returned them to a XXXX  store because I didnt like the style. 3 months later XXXX charged me because they said they never received the glasses. This was a lie because I 100 % did return them, so I contacted my credit card company ( Apple Goldman Sachs ) and filed a dispute with XXXX. My credit card company told me that I lost the dispute and I would be charged for the full amount of the glasses. I took the loss and paid because there was nothing more I could due. Flash forward to XX/XX/XXXX, I receive an email from XXXX stating they actually sent the money back to my credit card provider and accepted the chargeback. The XXXX representative informed me that my credit card double dipped because they received the refund from XXXX AND charged me as well. I have tried contacting my credit card company but they do not respond. I have email proof from XXXX XXXX XXXX with order ID # and refund ID # s proving they refunded my credit card company
Consumer complaint received 2021-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I went into the Huntington Bank XXXX Illinois location to withdraw cash from my checking account. I was told they dont have that large of an amount, {$8500.00} and teller insisted that I go to another branch or she will order it and have it available in a couple of days ; alternatively she suggested withdrawing less money, {$4000.00}, which I agreed to. I was asked for my state/government Id, which I provided a state of Illinois Id. Teller refused to accept As it had expired in XXXX. State of Illinois extended the expiration renewal date and is public record listed on the Secretary of State website. She refused it and proceeded to ask for another state or government Id. I provided a FOID issued by the state of Illinois, which after several minutes was returned as she claimed she did not know how to enter into their system. She then asked for another government id. I provided a global entry card, issued by the Department of Homeland Security. Teller told me she was unable to withdraw my funds since I dont have a valid drivers license, and at my request called a manager. Manager acknowledged that the Illinois Secretary of State has extended the is expiration but was only through XXXX. The branchs inability to keep up with public notices of identification extension, inability to accommodate for any other id aside from a drivers license, and in turn withholding of my funds when several identification means were provided is abuse of their role as a financial institution, it is unacceptable business practices and consumer discrimination.
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I NOTICED ACCOUNTS DISPLAYED ON MY CONSUMER REPORT THAT ARE IN VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CONSUMER REPORT IMMEDIATELY.