davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I am a borrower counselor with XXXX XXXXXXXX XXXX XXXX On XX/XX/2022 at approximately XXXX I contacted Loancare to update the status of several files we submitted to loss mitigation for assistance. I spoke to XXXX in Loss mitigation who assisted me with updating the status of a file. However when I told him that I had other files I needed assistance with he wanted to send me to customer service. I asked him if he was in loss mitigation and he said yes. I asked him why would he send me to customer service for files that are in loss mitigation? He said he could only handle one file per call. I asked him if that was the company policy? He refused to answer and hung up. I called back and spoke with XXXX who was more than willing to assist me with the remaining files I needed assistance with.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter to Equifax requesting a block on information they are reporting on my credit report due to this information being fraudulent. I am a victim of identity theft so per the steps at FTC.gov I sent this letter along with a copy of my drivers license, social security card, a copy of section 605B of the Fair Credit Reporting Act and a copy of my FTC identity theft report and per the letter they had 4 days to respond. 

Instead they sent me a letter stating at this time they were not blocking information on my credit report and they were just going to contact the creditors about my dispute. Then the letter states if I want them to block I have to send proof of my identity, the specific information of identity theft, and a copy of my FTC identity theft report. I sent all of these documents along with my letter, so they should have blocked everything requested to be blocked. I believe Equifax is violating my rights as an identity theft victim and were just looking for additional time, therefore they sent this letter to me to delay the blocking.
Consumer complaint received 2020-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Hello, I have a loan with PHH Mortgage that was transferred. I am in Covid-19 forbearance. They are reporting my account as 120+ days late to XXXX  and it's causing my credit score to go down. According to the cares act they shouldn't be doing this. Please help resolve this.
Consumer complaint received 2017-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Debt collection company Wakefield and Associates is trying to collect a medical debt I was told by hospital I was not responsible for when I signed for treatment. I was hit by driver and was informed by hospitals XXXX and XXXX XXXX aka XXXX XXXX that the driver that caused accident was responsible for payment. Also other issues with these debts is that I was warned by credit monitoring service that Wakefield has been adding interest onto the medical debts. This is without ever verifying the debts with me. Also how do you add interest on to medical debts. I have images of the added interest from the credit monitoring service it seems Wakefield is adding small sums onto each debt they have. My main complaints are that I was told by hospital that I would not be responsible for payments as the driver who caused the accident was. If I knew that would change there is no way I would agree to be the responsible party. Also Wakefield has reported this debt against my credit and appears to be adding interest to this medical debt without me ever acknowledging this debt.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (TX)

I have a visa card with XXXX XXXX XXXX with {$1000.00} credit limit. I recently opened an account in Wells Fargo bank and requested credit card which was not approved due to " serious delinquency ''. I do not shop online and dont use my credit card often either. I need to know what has happened. please inform me about the details.
Consumer complaint received 2023-08-06
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. (VA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

n accordance with fair credit reporting act XXXX  Account XXXX XXXX XXXX n accordance what fair credit reporting act XXXX  Account XXXX XXXX consumer n accordance with fair credit recording act XXXX Account XXXX XXXX XXXX 15 u.s.c 1681 section 602 A States I have the rights 15 u.s.1681section 602 A Section 2 it also states a consumer reporting agency can not fumish A account without my written instructions
Consumer complaint received 2021-09-15
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

I called the company to make a payment, which included late fees. 
The late fees were not removed and I was billed for the again. {$280.00}. 
I have since made an additional payment for the regular loan payment amount. I am billed again for the late fees which have already been paid.
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

On XX/XX/21, I started exchanging messages with a person on a dating app. This person messaged me day and night, sharing intimate details and eventually gaining my trust. He would talk about his goals, his family, what he had for dinner, etc. It started off as normal conversation for several days, but then he started to mention investing in cryptocurrency and had me switch the conversation to XXXX. He shared with me screenshots of his own cryptocurrency trading, including the amount he would profit. Every doubt or question I had had a seemingly logical answer for it. 

This person eventually convinced me to start a Coinbase account, which I downloaded from the XXXX XXXX. He then sent me an app where he does futures trading, however this was not on the XXXX XXXX. This app was call XXXX. He convinced me to sell my stocks and then pressured me into making a wire transfer to purchase XXXX on XXXX. He said that the market moves too fast for a traditional ACH transfer to be profitable, thus wire is preferred. Once this was accomplished, he then pressured me into sending the XXXX to a separate digital wallet in the XXXX app. I made several wire transfers between XX/XX/21 and XX/XX/21 from my XXXX account to Coinbases bank, XXXX XXXX XXXX, totally {$33000.00}. The wire transactions were- {$6000.00} on XX/XX/21, {$3000.00} on XX/XX/21, {$3000.00} on XX/XX/21, {$5000.00} on XX/XX/21, and {$16000.00} on XX/XX/21. Coinbase gave me no warning that the digital wallet I was transferring to was part of a fraudulent company. This person would take me to trade by buying futures in the XXXX app, where you would choose an amount of the cryptocurrency price and a time limit on the amount. These futures tradings were always profitable. I eventually amounted XXXX XXXX in my XXXX  account. I had some suspicion about the app, however it allowed me to transfer {$100.00} worth of XXXX back to Coinbase on XX/XX/21, thus my suspicions went away. On XX/XX/21, he said I could finally withdraw all of my money from XXXX. Upon requesting withdrawal, I was met with a message stating I must pay an additional 20 % tax that can not be deducted from what is already in my account. I was never able to withdraw any money. 

I wrote to Coinbase on XX/XX/21 to dispute these transactions, but I only received an automated email and my account was frozen. They never provided me with updates regarding this case.
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AZ)

Back in XXXX, there was 22 different transactions made on my account with XXXX XXXX out to {$870.00}. I've been fighting it ever since then all the way up till today. They keep on denying my claims and my disputes. There's all the documentations and all the documents that they've sent to me. Does not look legit and accurate not matching up with my statements. That I have on my end at home. My none of my pronouns of my monthly statements add up very.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

Per federal student aid, website, income driven repayment plans that require recertification before XX/XX/2024 will be pushed back by XXXX year. My recertification date on federal student aids website is XX/XX/XXXX. MOHELA is saying the date on federal student aid website is incorrect and that I have a hard date to recertify on XX/XX/2024 and therefore will not be pushed back. I asked where to view this information about the hard date although they stated that there is no way I can access this on my account, and that it is only available on their end. Therefore, I should recertify now. 

This information is very vague and seems inaccurate compared to what federal student aid website states, as well as my discussion with federal student aid ombudsman.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A third party processed a fraudulent or mistaken {$430.00} ACH or electronic charge against my Bank of America checking account. I called Bank of America to report the fraudulent charge. Bank of America froze my account and refused to open a new identical joint account for my wife and I. I am a longstanding Bank of America client ( since 1984 ). We are unable to pay bills and the funds in that account are trapped and we are being denied access to the funds.
Consumer complaint received 2020-09-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MT)

I has denied my FHA refinance loan at closing because Carrington Mortgage Services LLC took  OVER 120 days to finalize my loan approval, and the issues that developed with Covid-19 and my age and being in a high risk category for contracting and possibly XXXX  from the virus. I unexpectedly had to change jobs one and a half weeks BEFORE my closing was to be scheduled by Carrington Mortgage Services due to the risks at my existing job and contracting Covid-19. For my health and safety, I had to switch jobs where I did not travel across several states each month. exposing myself to disease contraction at gas stations, hotels, rest areas, and restuarants. This change was necessary on XX/XX/2020. I applied for my loan with Carrington Mortgage  LLC in late XXXX of 2020. The refinance loan was approved in XXXX of 2020, after 90 days of very slow progress on Carrington 's part, yet no date was given for closing at that point.

Carrington Mortgage LLC did not consider my FHA loan a priority and it was placed at the bottom of their list to complete. By the time they decided to talk about closing it had been OVER 120 days since I had applied. They denied my loan at closing because I had to unexpectedly change jobs for my health and safety even, though the approval of the loan came from them in late XXXX. 

I was discriminated against do to my age, high risk and XXXX involving Covid-19. I lost over {$900.00} in paying for the property appraisal which showed my home as XXXX over the market price of what Carrington 's paper work had listed. Because of Carrington Mortgage LLC 's inefficient and prejudice methods of processing loans, particularly FHA loans versus their conventional loan applications from clients with higher credit scores and less misfortunes, I was not able to refinance my home, and have experienced extreme financial and emotional duress. I was denied my refinance because I could not hold on for over 4 months at a job that was risky and possibly deadly to me due to the pandemic. This is discrimination and preferential treatment of loan applicants by XXXXarrington Mortgage LLC.

I have also filed a complaint with HUD against Carrington.
Consumer complaint received 2017-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rausch Sturm LLP (TX)

RAUSCHENBERG, STURM, ISRAEL, ENERSON & Hornik LLP Is trying to collect a Debt that was settled with XXXX XXXX XXXX XX/XX/XXXX For XXXX Card XXXX XXXX XXXX Ive give information that debt was settled
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SN SERVICING CORPORATION (TX)

Misled to think that after 6 months of on-time payments, apr of 10 % would be decreased. However, company said there was no such option. Also, after speaking with non-profit counseling, they stated that at the time I closed on house, conventional loans were between 2.25-3.87, not 10 %.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I spoke with Trans Union Rep and told them I was affected by their ( INQUIRY ISSUE ) The told me to contact companies that did the inquiries. So I did and they told me I requested the inquiries which is false. And they would not give me a letter to give to Trans Union stating that fact.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NY)

I XXXX XXXX have acquired the former home of my parents, XXXX XXXX XXXX XXXX as of 2019 as my father had passed away XX/XX/2019 and my mother simply was too old to maintain the home on her own. As we are facing the Covid-19 crisis in America, Freedom Mortgage has essentially been held back from proceeding with any foreclosure procedures. The property is located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The property has a current value conservatively at {$270000.00} if not higher. The real estate market in this area is very good, and I as the daughter am looking out for the best interest of my mother XXXX XXXX. I could rent the property out to tenants and wait out the legal process of foreclosure, but in the state of New York that would take over two years not taking the current hold on national foreclosures. Accordingly, I will deed the property over to Freedom Mortgage for consideration of {$10000.00} certified funds quickly, and have a local attorney handle the arrangements. I desire to be contacted through my email address stated in the CFPB process. It is important to take into consideration that a deed in lieu of foreclosure will sustain the high sales comparable in the area where this property is located. I will move quickly as soon as Freedom Mortgage agrees to the {$10000.00} consideration for the deed to this property. Thank you. 
XXXX XXXX
Consumer complaint received 2022-10-07
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/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 2023-05-10
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed. 

According to 15 USC 1681, I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX 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 2023-01-30
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone broke into my car and stole my personal identification information and now attempting to open accounts in my name. I have been a victim of identity theft and the information on the report needs to be removed.
Consumer complaint received 2020-09-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have attempted to send multiple correspondence to this company and have not received dispute results or how these items were verified and kept on my report. I am distressed and am being negatively affected by these erroneous, unverified items. I have sent letters XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 and haven't received a response to my disputes or paperwork showing how the item was verified with signed paperwork from the original creditor. I would really appreciate some communication from the bureau or corroborating in an actual investigation with removal or erroneous and unverified items.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (AZ)

HomeBridge Financial Services , Inc. is refusing/delaying the process of disbursing the money held in escrow. All Payments have been made ( zero missed or late payments ) and the loan has been paid in full.

I have sent multiple requests to their " chat '' and message inbox and they continue to delay and will not release the money from escrow. Furthermore, their customer services department is unable to take any action nor willing to fix the issue for release of the money. I feel as a consumer I am being taken advantage and concerned their financial mortgage operation is not financially sound.

They are in violation of their agreement as a mortgage servicer.
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

Was Working for XXXX XXXX XXXX in XXXX Tx as a XXXX XXXX, Was injured several ( 3 ) times and sent to XXXX XXXX XXXX XXXX Tx under XXXX XXXX. the XXXX XXXX that reads the xrays ( XXXX XXXX XXXX ) has sent the charges to collections. Instead of the Insurance carrier.