davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MO)

I received a call from IC Systems regarding a account last week. Was told they just received a account opened in my maiden name in which I havent used in over 22 years. Also the rep couldnt provide any information. I requested validation ( a  wet signature ) of the contract. Told him it wasnt mine & I need more information. Was told they just received the account 7 days ago. However I received no letter, 3 calls in the same day after I requested No calls. And the account should still be in the validation period collector requesting payment. Huge FDCPA violation. I recorded the calls as well. This is Not my account and was not opened by me
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CA)

I would called after several times to make payments and no answear to miss make move tours them and pay his amount when I was willing.now date I styl have problems to ask and saying Im willing to pay back.and have no one to say something to.pandemics lost to recover and no answear styl.now its under pay by other collectives and they did not answear me and wrong mis connections from them.I see do believe they were in there point end of days of XXXX meets and I dont agree they did not answear me. I styl want to right now and now problem is now now tha amount is over al I deed not waits al that money and looks I dont pay yes yes I payed most of it and now XXXX by seeing who did this amount thanks its al, Im working right now and I wil pay back and this aint my amount its to much and it dos not look like to say I have al this items to tied to this money I wil have this answear and help to give to them they are patients but I dont understand thanks for your look out and have to say something about problems right me.thanks I wil wait for and answear of help.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CA)

I would called after several times to make payments and no answear to miss make move tours them and pay his amount when I was willing.now date I styl have problems to ask and saying Im willing to pay back.and have no one to say something to.pandemics lost to recover and no answear styl.now its under pay by other collectives and they did not answear me and wrong mis connections from them.I see do believe they were in there point end of days of payee meets and I dont agree they did not answear me. I styl want to right now and now problem is now now tha amount is over al I deed not waits al that money and looks I dont pay yes yes I payed most of it and now blind by seeing who did this amount thanks its al, Im working right now and I wil pay back and this aint my amount its to much and it dos not look like to say I have al this items to tied to this money I wil have this answear and help to give to them they are patients but I dont understand thanks for your look out and have to say something about problems right me.thanks I wil wait for and answear of help.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a credit card with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

The loan company will not send the monthly statement on time. The statement has a due date for the XXXX of each month, the company has been sending the monthly statement after the due date, and even after numerous phone calls with their representatives plus twice with supervisors the same thing still happens. They now have sent me a communication with a debt collector, I have been paying this on time and before due date until Ditech took over. They want me to allow them access to my bank account for automatic payment, and they can not even keep the mailing straight of the monthly statement. I pay by check and have been ever since I started the loan and I will continue to do so if they will just do their part by sending the monthly statement on time. I believe that they are trying to force me into direct payments and I refuse, I will pay by check as always. In over 25 years I have never been late, I have always paid on time but can not, if I do not receive the statements on time. 

,
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Affirm Holdings, Inc (KS)

Affirm has repeatedly sent emails to me about a XXXX purchase I did not make load ID XXXX I get monthly emails notifying me of auto payments for this purchase and I have repeatedly told them they have the incorrect email address and that the last 4 digits of the credit card they have on file does not align with any of my credit or debit cards. I provided proof of my identify to show I am not the person whos purchase and they say that email is still liable for all past and future payments. I know there are other people with the same name and people have mistakenly sent emails to me instead of the intended recipient in the past
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America still has not sent 1099 as of XX/XX/2021, even though they were required by law to send this statement as of XX/XX/2021. I have called them many times, and they say go to the website. I can not use the website since the account is paid off and I have no internet access anymore since the account is closed. 
I have had trouble with Bank of America not answering my questions for over 15 years, and this is not the first time they have been non-responsive. In the past I had two mortgages and asked them why the PMI on one mortgage when down every month whereas the other one never changed. They were never able to answer the question. When I paid off the last mortgage XX/XX/2021, they were unable to realize the mortgage was paid off until two weeks later, so I had to pay an extra month 's interest
Consumer complaint received 2018-06-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I have been trying to work with XXXX to rehabilitate my student loans. They are staying my loan payments will be XXXX a month. I am XXXX years old widow and on a fixed income. They are not willing to work with me on a payment arrangement and are threatening to put a lien on my home. I have received up to 3 letters in one day threatening suit and legal action if I do not respond quickly. They call multiple times a day as well. I have health issues and this is creating enormous strain on my emotional health. Can something not be done to stop the bullying by debt collectors? I am willing to pay what I can afford.
Consumer complaint received 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Home was originally purchased in XX/XX/XXXX, loan financed for $ XXXX, with Navy Federal Credit Union. I am a XXXX Veteran, however I have never utilized my VA mortgage benefits. I was injured on the job as a XXXX XXXX, which has affected my finances tremendously. I have requested assistance from Navy Federal with lowering my monthly payment, due to unstable income, when family medical leave is taken due to my ongoing medical condition. However, the modification rules have does not allow for my mortgage to be reduced, which I do not understand. I have received 2 modifications, last one in XXXX, yet I have never been offered a lower interest rate, reduction of the principal ( despite my home value dropping drastically in XXXX ), forgiveness of late fees or arrearages. Last modification my loan was extended from 30 to 40 years, yet payments about the same. The rules seem to require a surplus for the modification to be granted, yet a surplus means disqualification for a lower monthly payment. As a veteran and a XXXX XXXX I have served my country all my life, and now I need help, yet the rules prevent Navy Federal Credit Union from lower my monthly payment, while allowing them to foreclose on my only home and auction it off or short sell it to someone else when I have made years of monthly payments. I have to submit years of tax documents to qualify for the modification, yet my determination is based on 1 months, check stubs, and if I do not have a surplus the modification is denied, if I have a surplus, I am offered a payment plan hundreds of dollars hired than my original mortgage I am currently behind on. At no point have I been offered a mortgage reduction of any kind, therefore no help for me. I provided a hardship letter and a letter from my physicians, explaining my medical situation, however the rules prevents the Navy Federal Credit Union loss mitigation specialist from providing me an option that would lower my monthly mortgage and allow me to remain in my home of 11 years. Late payments on my credit report, and lack of rental history affects my ability to move, so it seems I will be added to the homeless veteran list. These rules and practices are unfair and bias at best, who investigates to determine if profits are being made from the programs supposedly created by the government to assist those of us who are requesting assistance. What qualifications are required to receive a reduction in interest rate, reduction of principal or forgiveness of late fees or arrears, because I want to keep my home. However I was told I only qualify for a payment plan I know I can't afford, so I asked about the Deed in Lieu, rather than foreclosure, only to determine I will not be allowed to utilize my VA home benefits for 2 years once the deed is signed over.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/2018 I submitted a request to close my account. Available balance in my account is XXXX. Everbank, which now XXXX has put a block on my account to prevent it from being closed. I've called customer service several times and got no actual reason as to why I cant close my account.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

Equifax , after completing investigation # XXXX and reinvestigation # XXXX continues to permit their client, XXXX to report incomplete, inaccurate and misleading information. On my partial account # XXXX, Equifax allows XXXX to engage in " re-aging '' of account, a practice expressly forbidden by the FCRA.THE CREDITOR SHOWS A DOFD OF XX/XX/XXXX FALSELY. THE CREDITOR ALSO SHOWS A 120 DATE LATE ON XX/XX/XXXX THE ACCOUNT WAS NEVER BROUGHT CURRENT IN BETWEEN THOSE DATES. 
THEREFOR, ACCORDING TO XXXX 's FALSE REPORTED RECORD THE ACCOUNT WOULD HAVE BEEN 30 DAYS LATE ON XX/XX/XXXX AND THAT WOULD BE DOFD
Consumer complaint received 2020-07-13
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. (AR)

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Consumer complaint received 2020-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I want to add a bank to withdraw my money, but I can't increase the bank, and I can't get in touch with paypal Link a bank account Theres a problem with your account. Please go to the resolution center so we can help you resolve this quickly. 

My mailbox XXXX XXXX
Consumer complaint received 2019-05-14
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. (VT)

My name is XXXX XXXX andI have had a credit card account with XXXX XXXX XXXX for years now. All of the sudden they sent my account to a collection agency and i just settled my debt with them. Now XXXX XXXX is saying i still owe them money and they say im late on my payments when i never missed one
Consumer complaint received 2021-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Betterment LLC (OR)

This is a cash back offer for opening a Betterment account thru XXXX. 
Here are the terms from Betterment/XXXX  : Cash Back is only earned for a funded Betterment Checking, Cash Reserve or Investing account of at least {$1.00} for checking products and {$10.00} for Cash Reserve and investing products, and is not available for other Betterment products or current Betterment customers. 
Cash Back will be automatically added to your XXXX account tomorrow. 

I opened the account on XX/XX/XXXX. I received this email after account opening on XX/XX/XXXX : from : Betterment Support XXXX reply-to : Betterment Support XXXX date : XX/XX/XXXX, 9:58 AM Betterment Welcome, XXXX! 
Your financial future now shines brightly. 
Let 's start by helping you get the most out of your Betterment account. Here is your progress : Congratulations on funding We're excited to start helping you earn more with Betterment Cash Reserve.

Turn on Two-Way Sweep Two-Way Sweep automates our advice on your extra cash by seamlessly transferring your cash back and forth between your linked checking account and your Betterment Cash Reserve. 

I received an email that the deposit was completed on XX/XX/XXXX. See email text below : from : Betterment Support XXXX reply-to : Betterment Support XXXX date : XX/XX/XXXX, XXXX XXXX  subject : A deposit to Cash Reserve is complete Betterment A deposit to Cash Reserve is complete From : XXXX XXXX XXXX XXXX Checking XXXX To : XXXX XXXX XXXX XXXX Personal Account Deposit amount : {$10.00} I have yet to receive any credit from XXXX after contacting support numerous times. They are working with Betterment to confirm the offer was met and I don't understand why it is taking so long since the terms say cash back should be credited " tomorrow. ''
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXXDispute OFFICE OF THE ATTY GENERDispute XXXX/XXXX   XXXXDispute XXXX XXXX  XXXX/XXXXDispute XXXX  XXXX XXXX XXXXDispute XXXX  XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXXDispute inaccurate of not mine
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

XXXX signature Credit card account was open XXXX XXXX for the approve credit line for XXXX dollar. XXXX credit card is not report none on credit report Equifax, XXXX XXXX and XXXX credit reports. I have sent faxes to all 3 credit bureau to dispute this issue.
Consumer complaint received 2021-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-02-26
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. (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2019-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My wife and I have been seeking a loan modification with Select Portfolio Servicing ( SPS ) for over a year now and we recently filed CFPB complaints highlighting what we believe to be discriminatory and fraudulent business practices. Although we recently received a letter from SPS stating that the scheduled foreclosure date of our home ( XX/XX/2019 ) has been cancelled, as of XX/XX/2019, SPS 's attorney XXXX XXXX XXXX, XXXX still has our home listed on their website to be foreclosed upon on XX/XX/2019. Please reference SPS Foreclosure Cancellation Notice dated XX/XX/2019, attached. 

Thank you. 


XXXX XXXX XXXX XXXX. 

Customer Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX File Numbers : XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX. XXXX, VA XXXX
Consumer complaint received 2018-06-09
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. (WA)

I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by nationstar/mrcooper and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on Tuesday, XX/XX/2020 Sent via USPSCMR : XXXX XXXX XXXX XXXX XXXX i contacted the reporting agency to remove some inaccurate data on my report. 
instead of credit reporting agency taking the incorrect items off they verify the items without proper procedure