davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I notified the bureau 's that there has been some accounts and inquiries reporting on my credit report that is the result of identity theft. To protect my credit from any further damage I sent a request to remove some addresses that I don't recognize and I have never resided. As of today XX/XX/2021 these fraudulent addresses remain on my credit report. Please see attached addresses to be removed.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

WAYPOINT RESOURCE GROUP at XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the about of {$77.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2023-01-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I tried to do a remodification loan with Wells Fargo and they turn it down 3 times I was dealing with a XXXX  about 5 or 6 years ago they sent me a check for about XXXX to XXXX I dont remember the exact amount I was in my home for 12 years I live on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and its been a lot of years between then and now and I dont have any of the paperwork
Consumer complaint received 2018-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

SLS is attempting to foreclose on my home with a fraudulent robo signed assignment. 
The assignment was created after the cut off date of the of the pooling and services agreement filed with the United States Securities Exchange. I also removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Series as my Attorney in Fact with XXXX Co because I want due process of Law which I am entitle. I have sent a QWR, and a debt validation letter, and neither has been responded to.
Consumer complaint received 2021-06-28
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. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have gotten in to the hands of the wrong person.
Consumer complaint received 2018-03-06
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

I use my mobile phone for my XXXX XXXX, and at my job, as I'm not provided a phone to call my sales leads. The company, Hunter Warfield for the last 3 years have called me repeatably during my working hours after I have clearly stated to them multiple times to call me after my work hours. They have called me for the last 2 months, and after I have advised to call me after work hours. On XX/XX/XXXX, at XXXX XXXX  I received a call from " XXXX '', I advised her that I was at work and the number she was calling, was my work Number. she continued to speak and I advised her to call me after hours when I get out at work at XXXX XXXX, she ignored me and continued.. I disconnected the call after advising I was at work. 

On XX/XX/XXXX at XXXX, they called again. I advised the same, that i was at work, and this was my mobile work number and they shouldn't call me during this time, they continued to speak and I needed to disconnect the call. 

Today on XX/XX/XXXX, at XXXX, XXXX calls again and continues with her script. I advised her I'm at work and can not speak to her, that she is calling me mobile work number and need to call me after work hours ... she continued to speak, I disconnected the call. 

They have called me from Multiple Numbers. 

Dates Below. 

XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX All of these hours are times which I'm at work and they are aware of this. I would like for them to stop harrassing me while I'm at work, and calling my work number.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Back in XX/XX/XXXX I lost my job due to the pandemic and was unable to pay my car note. When I called and spoke with representatives they told me I would be fine because they were implementing a program for COVID relief that would put a freeze on credit monitoring. The next month I got the hit on my credit still, My payment history prior was perfect! I even paid twice in advance its the only late payment on my report and is hindering me from being able to get things I deserve. Ive reached out to the company ceo with a goodwill letter and was simply told they dont remove late payments. Please help.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: EQUIFAX, INC. (NJ)

I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX   provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. XXXX and Equifax stilled refused to remove account from my credit profile. I reached out to XXXX  again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still XXXX and Equifax still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called Equifax on XX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX   ) and he assured me the account was deleted as of XX/XX/XXXX and said I should buy the Equifax credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/XXXX the XXXX XXXX account was still showing. I called back on XX/XX/XXXX and spoke with Account manager XXXX ( ID # XXXX   ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. XXXX   has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX   account be deleted immediately from XXXX and Equifax as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.
Consumer complaint received 2021-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2018-03-06
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. (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX  XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-03-06
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. (OH)

I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX   report and other furnished XXXX XXXX regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit  Report Act youre required to comply. the following address need to be removed from my report and file : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX , XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (NJ)

There is no contract or agreement that I owe the XXXX or its collectors any money. I've disputed it a million times in person, email and via phone. 

Yet collections is now after me for amount I donot owe for the amount of XXXX
Consumer complaint received 2021-11-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (CA)

Dealership sales man pressured me into giving SSN to verify my Identity even after providing my XXXX  Drivers License. Then proceeded to run my credit through different banks without my consent at all verbal or wet signature.
Consumer complaint received 2021-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

Cardinal financials neglected to pay my taxes even though it's and FHA and I ended up paying the taxes out of my pocket. They are assured me on multiples call that I made that I will be refunded my money by the latest XX/XX/2021. Now its XX/XX/XXXX and they are now saying they cant refunded it at the moment.
Consumer complaint received 2018-03-06
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. (NY)

Experian is showing a late payment. When i log on to their credit reporting web site via my membership it indicates that their is a late payment and it is adversely effecting my credit score.  Upon complete review of their report of my entire credit history there are NO late payments to be found! I called Experian and spoke with their dispute center and while i was on the phone with them they reviewed their report of my credit history and did not find a late payment report either, but they did say that a report from XXXX XXXX which does indicates Paid, Closed Never Late, it also indicated early termination/insurance loss, and that JUSTIFIES A LATE PAYMENT REPORT!!!! I disagreed and said it was a leased car which was totaled and XXXX XXXX was paid in full for the vehicle by the insurance company. He said there is nothing he can do and i should call customer service at Experian, which was another waste of time. I CALLED XXXX XXXX AND THEY SAID THEY REPORTED PAID, CLOSED NEVER LATE. They said the reference to the early termination insurance claim simply refers to how the account was closed and paid. They also said that it was ridicules for Experian to take that as a late payment, it makes no sense and there was nothing they could do for me with regard to Experians report. I will upload a copy of the section that shows the XXXX XXXX information. Their reporting a late payment does negatively effect my report and my credit score. I also acquired my credit reports from XXXX and XXXX and there are no late payment reports their either.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

I have been trying to close my father 's accounts after he passed away XX/XX/2016. I have been able to close all the accounts except this one with Citi Wealth Management. Every time I try to submit the documents they request, I am told that there are additional documents needed. I have submitted documents to them on at least ten occasions.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NY)

Good Afternoon, My name is XXXX XXXX XXXX and this is a complaint regarding two specific overdraft fees from my personal checking account at Wells Fargo. On XX/XX/18, Wells Fargo charged me two separate overdraft fees of {$35.00} each for the same incident. The first fee was labeled " NSF RETURN ITEM FEE '' and the second fee was labeled " OVERDRAFT FEE ''. Although I have a secondary checking account that had more than enough funds to cover this accidental overdraft, my own bank of twenty years authorized two overdraft charges totalling {$70.00}. When I called Customer Service to report my complaint, Account Supervisor XXXX XXXX told me that he was only able to refund half of the amount, and that there was nothing further he could do. These charges are not only excessive but unnecessary. I am requesting that I be refunded the additional {$35.00}. Please contact me if you need further assistance identifying my accounts.
Consumer complaint received 2021-03-01
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. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (TX)

I currently have a mortgage with Freedom mortgage company at 4 3/8 % I applied for a new 30year loan at 2.50 % which would save me $ 500 monthly ( I'm XXXX and retired ) in 8 years with them i have never missed a payment or a property tax payment, credit rating over XXXX. 
I currently receive income of {$2100.00} social security, {$1000.00} ira withdrawal, {$1000.00} farm income, {$110.00} ira check. A new mortgage payment would be {$900.00} and I have taken advantage of deferring my property taxes because of my age. I dont have a car payment. Freedom says I dont qualify to refinance, I definitely feel like they are discriminating due to my age. 
They have do far refused to give me anything in writing as to why they have turned me down. 
I definitely need your help to stop this practice of age discrimination. Please reach out to Freedom and demand reversal of this discrimination policy
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XXXX XXXX said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them
Consumer complaint received 2018-03-06
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)

XXXX XXXX said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Shellpoint loan servicing took over loan # XXXX XX/XX/2020, and reported the loan 30 days delinquent as of XX/XX/2020 to XXXX Which violates the 60 day RESPA period. I disputed this with Shellpoint without resolution, then I disputed the report with XXXX without resolution.
Consumer complaint received 2018-03-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc. (KY)

On XXXX ( I have taken picture on my phone ) today XX/XX/2018, at XXXX XXXX XXXX has once again put out a false/misleading banner ad. I am in the mortgage business and know first hand that these rates are non existent, i would be shocked if any amount of Discount points would be able to produce these rates. This is at least, the 3rd time i have filed a complaint. They are misleading consumers and it needs to be addressed. I will include a photo of the front page with banner ad as proof.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, Citibank sent me a flyer offering a XXXX XXXX miles reward for opening a new checkings account and meeting a few bank activities such as monthly bill payments. 90 days after I met the requirements for the promotion, approx in XX/XX/XXXX, I got an email from Citibank confirming that I earned the reward, and that it was going to be credited in my Aadvantage account within 30 days. However, it has been more than 2 months and Citibank has not done anything about it. 
I contacted Citibank but they sent me useless information that did not help solving this problem.
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC (MI)

XX/XX/XXXX To Whom It May Concern, I signed a contract with XXXX XXXX, XXXX, XX/XX/XXXX, and called to cancel in XXXX of XXXX due to hardship. My account was current when I tried to cancel but the company stated I had 72 hours from the time I signed the contract to cancel. The contract contains no information on a cancellation policy. XXXX XXXX would not cancel my contract but closed my account in XXXX of XXXX. I have had no access to their program or software since, but they have continued to charge me for their services. 

I recently found out with the help of legal professionals in the XXXX XXXX that XXXX XXXX   opened a revolving line of credit in my name when I signed said contract. I gave XXXX XXXX a {$250.00} deposit when I signed the contract under the impression that I would be paying them the money, and made 2 monthly payments of over {$200.00} for XXXX and XXXX. I never authorized XXXX XXXX   to open a revolving line of credit in my name nor was I aware that is what the company would do. I never signed a contract with anyone other than XXXX XXXX, XXXX. 

In XX/XX/XXXX, a company by the name of Omega RMS placed an account in my name for collection and reported this to the credit bureaus. They are currently reporting I owe {$15000.00} to XXXX XXXX and continue to add late fees and interest every month. Again, I do not currently have access nor have I had access to any products or services offered by XXXX XXXX since XXXX of XXXX and I was not aware they would open a revolving line of credit in my name. 

I paid XXXX XXXX for their services until the time they closed my account and would like to ask Omega RMS and XXXX XXXX to clear this debt in my name completely, and to remove this debt from all credit reporting agencies. This has caused me extreme emotional stress for many years now and is the one thing that has kept me from purchasing a home for my children. 

I have paid dearly for signing a contract with a company that uses deceptive tactics and lures people into contracts they can not cancel. At the very least I am sure that by most states standards I have likely reached the statute of limitations for this debt since XXXX XXXX, XXXX closed my account in XX/XX/XXXX and would ask that any government official or credit agency official authorized remove this debt in my name. 

Sincerely, XXXX XXXX.