davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

in reference of complaint # XXXXwhen branch was giving me run around for three cont. days, first day as per XXXX that they could not find my original papers and waisted my couple hours then second or third day i noticed XXXX staff members included one lady wispered on the side and that lady approched me with blank form and asked me to sign on this and i refused to sign that blank form. 
now in this branch so many cameras and challange to you that go ahead watch those videos from those days. you will find all type of illegal activity.
Consumer complaint received 2015-11-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (FL)

Central Financial ControlXXXX XXXX XXXX XXXX, XXXX, CA XXXX NUMBER : XXXXXX/XX/XXXX Toll Free : Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Central Financial Control or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Central Financial Control or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (IL)

call to speak with a representative regarding inaccurate information on my report and I was treated like an animal, I was placed on hold for  20 min or more and when some one did answer I was hung up on. there is information on my report that i feel is wrong, there is no account numbers, no payment history and it is still stating that the account is open and they appear to continue updating this information with a balance of {$710.00} I do not owe money to   XXXX  .
Consumer complaint received 2020-09-10
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I started my application process on XX/XX/XXXX. I was denied on XX/XX/XXXX. The loan originator said the application was denied due to the contractor. The contractor provided all the necessary materials and had worked with the bank and the loan originator in the past and referred him/the bank to us. During the application process, there were a number of uncertainties. I spoke with the loan originator on XX/XX/XXXX and he gave us a rate and asked did we want to lock it. We agreed. When he tried to lock it he said his system was not working and he would try to troubleshoot and call us the next day. I did not hear back from him untilXX/XX/XXXX. He once again offered me a rate and went on to say his computer was acting up and he would try to lock it later. I sent him an email onXX/XX/XXXXto ask about the rate. He responded by saying the help desk could not help him and our rate is safe. On XX/XX/XXXX, I received an email stated the rate was finally locked. On XX/XX/XXXX, I reached out via email asking what we needed to do in order to get the appraisal done. He explained that we needed to order a visa/ mastercard and that he could order that. He then told us we did not sign documents sent out on XX/XX/XXXX. I told him we did not receive any documents on XX/XX/XXXX. I talked to him XX/XX/XXXX and explained to him that we only received the one document to sign not a multi page document to sign. After our phone conversation on XX/XX/XXXX, I followed up with an email asking him to resend the documents. I never received the documents and on XX/XX/XXXX he sent the denial email.
Consumer complaint received 2017-09-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: ENOVA INTERNATIONAL, INC. (SC)

Took a loan out with XXXX XXXX for XXXX that 's what they gave me. Never thought it would cost me XXXX, XXXX I would pay double not triple. Is this legal, I want to pay my money and interest, just seems crazy. I was desperate and could n't pay my electric. What can I do, is this legal?
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Billing disputes — 
Company: GreenSky, LLC (CA)

I was fraudulently charged for construction services thru greensky. When I contacted them they " reversed charges '' but later changed stating they could not get funds thru the construction company. I have written and emailed greensky for over 3 months and no return email or call. 
Please contact me. 

XXXX XXXX XXXX
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (SC)

Experian is reporting an item on my credit report on behalf of XXXX, for a credit card that was charged off XXXX, which means the first date of delinq was prior. It is being reported under good standing, which it is not. It was a charged off acct. They state they are reporting until XXXX, past the XXXX years they are allowed to report charged off accts. Since XXXX no longer owns the acct they will not remove the tradeline. I would like for experian to please remove the tradeline, or provide the correct removal date based off XXXX years from the XXXX date of delinquency.
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AR)

We built a home in XXXX on 10 acres. Our loan was sold to Home Point Financial Corporation out of XXXX XXXX, TX. In XXXX we notified them we wanted to build another home on our property and needed them to release a 4.5 acre parcel. They gave us the detail process, costs, and timelines. We completed everything they asked, paid $ 10s of thousands of dollars to release the property. We provided details and appraisals that the $ 200k loan we still owed on the XXXX home with 5.5 acres would have a substantial amount of equity that would not put them upside down on the Loan to Value. In fact, there is over $ 120k in equity on the XXXX home. Now theyre not responding and weve purchased over $ 100k of windows, lumber packages, etc for the next home because we completed everything they asked. They will not return phone calls or emails. They are holding OUR land hostage for no reason. They will also not cooperate with other financial institutions to let us refinance the $ 200k loan with another firm so we do not have to do business with them. Please help.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked for my yearly credit reports XXXX, Trans Union, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but Trans Union, and XXXX stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was refused credit due to incorrect credit reporting practices from XXXX reporting agencies. I have had a running misinformation problem with Experian, Equifax, and Transunion credit reporting agencies for years. I have been aa victim of fraud as reported to all three agencies in the past, as far backas XX/XX/XXXX. As of XX/XX/XXXX agencies are still putting out misinformation. 
Please help me put a stop to what is being reported. XXXX XXXX
Consumer complaint received 2023-06-16
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: BARCLAYS BANK DELAWARE (NY)

Ive submitted an application to a Banana Republic XXXX XXXX via Barclays Bank. Apparently the card was mailed followed by the card being activated and an unauthorized purchase made for {$1700.00} on XX/XX/2023 at merchant named XXXX XXXX XXXX. Ive raised a dispute with Barclays claiming unauthorized, fraudulent transaction, but the dispute case was closed with the claim that chip card technology was used which can not be counterfeited. 

The investigation by Barclays was clearly inadequate and in violation of Regulation Z and failure to correct this and reporting any delinquencies to credit agencies is in violation of FCRA for the following reasons- 1. I did not receive the original card that was sent and the Bank did not provide any evidence with tracking number that the card was mailed and delivered to me 2. I did not activate the card because it was not in my possession. No evidence provided to prove that Ive activated the card.

3. I do not recognize the purchase and neither did I authorize it. I do not know the merchant and not aware of the products or services provided by such merchant. No evidence provided to demonstrate that the purchase was made by me. The account was only opened with the intent to make purchases at Banana Republic stores. 

4. Claim that chip card technology can not be counterfeited to support the Banks investigation is not sufficient to conclude that no fraud occurred. If the card was mailed, it could have been stolen from the mailbox. Also research, including research from XXXX and XXXX demonstrate the card chip cards are not fraud proof.
Consumer complaint received 2023-06-15
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)

Card was reported stolen on XX/XX/XXXX Apple Card ran by Goldman Sachs closed card On XX/XX/XXXX a purchase was made by a clone digital card ( after card was reported misused ) Apple awarded {$26.00} as daily Apple Cash accrued for said purchase which was then returned by hacker As of XX/XX/XXXX I no longer had access to account or apple Wallet to have been able to receive {$26.00} I have contacted bank numerous times to explain this was not able to have been received by myself, as I no longer had access to this digital wallet They continue sending me back the response that I am still responsible for such purchase and cash award and now expect me to pay them the {$26.00} when I don't believe I am responsible as I had already reported the fraud
Consumer complaint received 2017-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Broward Adjustment Services (FL)

I received a letter from a collection agency ; XXXX XXXX. They say that I was placed into collections for a medical bill from the XXXX hospital. Right away I was confused because I have not been to XXXX in ten years or that hospital ever in my life. XXXX hospital never sent me any bills or notices saying anything. I live 80 miles away from XXXX also. The bill XXXX XXXX sent me was in a name I did not go by at the time they are saying the bill was made. Also I made a BBB complaint against XXXX hospital and they first said this is a mistake and now they are saying they have my signature and ID but are not producing any of this information to me. You know why? They do not have it that 's why. What they do have that blows my mind is my social security number and my old name and old address which leads me to believe that someone from this hospital stole my identity. For the record I have been on XXXX even at the time this bogus bill was created so why would I have any medical bills in the first place? It 's common sense these people are not right they are covering up their misconduct.
Consumer complaint received 2022-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

I have a XXXX mortgage loan opened in XX/XX/XXXX that is serviced by Wells Fargo. I have never made a late mortgage payment ( with WF or any other provider ). 
In XX/XX/XXXX, I requested the mortgage forbearance program Wells Fargo calls " short term payment suspension '' from XX/XX/XXXX - XXXX XXXX ( 3 months in total ). I was qualified for 18 months, but chose instead to resume payments beginning in XX/XX/XXXX. 
Related, under Minnesota Statute 47.20 subd. 9 ( b ), borrowers have the right to discontinue escrow accounts after five years. Wells Fargo was late in notifying me of this right : I was owed notice by XX/XX/XXXX ( five years after loan origination ). They notified me in XX/XX/XXXX, along with a " we're sorry we didn't notify you when we were supposed to '' letter. This timing collided with my request for forbearance, and was declined. 
Now it is XXXX and I have well resumed timely payments, I inquired again about discontinuing escrow payments, but have been told via letter and phone call/s that my " late '' payments disqualify me. I have no late mortgage payments : I used a CARES Act-enabled payment forbearance. 
My complaint, then, is twofold. Wells Fargo considers my forbearance program participation to be the equivalent of " late '' payments. I ought to have no late payment records. Second, my Minnesota statute-enabled right to discontinue escrow account is being denied because Wells Fargo was one year late in notifying me, and ( subsequent to the CARES act forbearance ) now consider me a " late '' payer and somehow unqualified to exercise this right.
Consumer complaint received 2017-09-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I started this loan with XXXX XXXX in XX/XX/2017, once my loan was processed the company explained to me my payments would come out of my account during my bi-weekly pay period. At this time I asked if the payment could come out once a month, I was told, they go by my pay period. From there I started to have trouble the next month with paying my mortgage which I pay at the beginning of the month. I have been getting late fees from my mortgage company, my bank and other bills due to this. I have had to close my XXXX account which I will have to pay the {$200.00} fee. My mortgage company there is a {$35.00} fee each time I am late ( I have a 1st and 2nd mortgage ). I have attached bills that have been late along with letters of late notices.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NM)

Most recent credit report that I reviewed revealed a derogatory account that was never previously reported. The disputed account is a Discover Account that was opened by my Ex-Wife after we were divorced. I also have a Discover Account with similar terms that is in my name only and opened about the same time frame about 10 years ago. For all of the time since these XXXX separate accounts were established, only my own individual account appeared on my credit report which I have paid on time, every time - only after her account went bad did they attach her account to my report. I was never listed as an authorized signer on her account. About a month ago, Discover sent me a new card and oddly enough they included a card in her name which should have alerted me to their under handed attempt to join both of our accounts retroactively. It was only after I saw my updated credit report, when I notices that they suddenly added her bad account to my credit, that it dawned on me that they were attempting to link XXXX of our accounts - purely as a punitive action against her for her apparent default on her own separate account.
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (NC)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX  XXXX XXXX, XXXX
Consumer complaint received 2015-10-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Im in the process of doing a short sale on my house, to avoid foreclosure.I was given permission from the bank-Bank of America & lt ; to do so.I was told that any correspondence concerning foreclosure would cease, for Im trying & lt ; in good faith, to get the property sold.However, today, I received a notice that the house was to be sold at a sheriff 's sale XX/XX/XXXX.BOA did nothing to cease these notices ; but Im not surprised-Ive been dealing with incompantency & ignorance with BOA & Countrywide for literally years ( 5 years in bankrupcy because Countrywide charged illegal fees & the last almost 3 years trying to get this mortgage straightened out to no avail ) Im fed up & stressed out & am considering a lawsuit
Consumer complaint received 2020-09-10
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)

In a letter dated XX/XX/2020, I mailed a dispute to XXXX This dispute alleged that 19 hard inquiries were not authorized. XXXX did not investigate and simply asserted that the hard inquiries were a factual matter. IT took XXXX  until XX/XX/2020 or more than 30 days to resolve the matter. 


On XX/XX/2020, I filed an online dispute with Equifax with respect to hard inquiries. I stated that these disputes were not authorized by me. On the very same day, Equifax closed the Dispute and refused to investigate. 

On XX/XX/2020, the court, Norman v.Trans Union, LLC, Case No. 18-5225 ( E.D. PA XX/XX/2020 ), held that XXXX could be held liable for reporting unauthorized credit pulls.
Consumer complaint received 2022-02-05
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: EQUIFAX, INC. (LA)

on XXXX XXXX i sent the CEO of experian in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a jury trail. am stating on the record and let the record reflected am the consumer, living breathing man, administratoXXXX, beneficiary and executive of name and estate. i have reason to believe and do so great faith.
Consumer complaint received 2015-06-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I am writing to request your assistance with a very serious issue I am experiencing with a private lender, for my graduate school loans. 

I am a XX/XX/XXXX graduate of the XXXX program at the University XXXX, XXXX. For the last XXXX years, I have been diligently making monthly payments per the terms of the loan, except for a few periods when I had to go on lender-approved forbearance ( i.e., temporarily stop making monthly payments due to financial hardship ). On XX/XX/XXXX I was laid off from my job. XXXX days after I was laid off ( XXXX XXXX ) I sent the attached letter to the company servicing the loan ( American Education Services ) to notify them of my layoff and to request a forbearance. This is exactly the process they directed me to follow in order to have my concerns heard by the lender. 

Since sending the letter on XXXX XXXX, the lender has completely ignored my written correspondence and has now sent my loan to collections. American Education Services ( again, the loan servicer hired by the lender ) states that I have exhausted all opportunities for forbearance and that they are unable to work with me on any kind of revised payment terms. Even though I have followed to a tee every instruction they have given me, the lender is simply unwilling to even acknowledge my issues, let alone discuss revised payment terms.
Consumer complaint received 2017-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Navient is negatively reporting to the CRA 's that I missed payments in XXXX ; however, like now, my payments have always been in either forbearance or deferment due to me being in and out of school. Also, there is an account that is now currently reporting incorrectly that should have been transferred over to XXXX from XXXX, because of being a XXXX XXXX XXXX and qualifying for the loan forgiveness program.I was told that this was not done in error and the loan needed to be consolidated - this is not true as I have spoken to XXXX on XXXX/XXXX/XXXX, and because of the type of loan it should have been transferred over with the other ones in XXXX. I am demanding that this information is updated to show that there were never " late/missed '' payments in addition to transferring the last loan as they should have in XXXX.