davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-16
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (UT)

I 'm attempting to refinance my mortgage to pay off my first mortgage with XXXX XXXX and a Home Equity Loan with HSBC that I 've had for more than nine years. My broker has submitted XXXX different requests via fax to HSBC for pay-off, verification of mortgage and transaction history, starting on XXXX XXXX, 2015, and as of XXXX XXXX, 2015, we have not received the necessary documentation from HSBC for the underwriter to approve the loan. HSBC has not been responsive to me or my broker with the request for information about my loan with them. After more than one month of trying to get this information, I just talked XXXX XXXX XXXX/XXXX/2015 at XXXX XXXX XXXX at HSBC and she is telling me they are still researching. Her answer to my question of how long does it usually take to respond to these type of requests. " She said it normally took 30 days and it was pointed out that it had been more than 30 days. We have urged that this a time sensitive issue as we had planned a closing on the new loan within a month of the application, but it 's been more than a month since the original request for information went into HSBC and still getting the same answer that I received on my previous call to HSBC on XXXX/XXXX/15. The time frame indicated by the HSBC representative today and how long it has taken to respond to consumer 's needs is unacceptable.
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aqua Finance, Inc. (MI)

The account with AQUA FINANCE with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has different evaluations in XXXX, XXXX and XXXX which are both incorrect. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be late.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the US Department of Education or Federal Loan Servicing Credit. This national agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. Eventually the debt was transferred to another third party. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against the US Department of Education. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.
Consumer complaint received 2017-03-13
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (SC)

I have recieved two ( 2 ) meritless, fraudulent letters from XXXX, in which they claim they will file suit for an alleged debt. I started doing research on them, and I have found that they do follow through with the suit, however the suit is pretty much meritless, but nonetheless the defendants end up with a default judgment due to the inability of defendants to find counsel.
Consumer complaint received 2020-10-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2016-12-15
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

I PAID .WELLS FARGO BANK OF XXXX IL. XXXX XXXX. DOLLARS ON XXXX/XXXX/2016. THEY ACKNOWLEDGE RECIEPT BUT DO NOT KNOW WHERE MY MONEY IS AND DO NOT KNOW WHY IT IS NOT CREDITED TO MY ACCOUNT.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Other — 
Company: American Credit Acceptance, LLC (FL)

I recently received a copy of my XXXX.The credit report showed a credit inquiry by American Credit Acceptance on XXXX/XXXX/2015 that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity.
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MI)

The account with LINCOLN AFS with account XXXX has been closed for so many years but I kept on seeing it on my credit report. This account has different evaluations in XXXX, XXXX and XXXX which are both incorrect. I'm not sure if the 3 Bureaus have conducted a thorough investigation prior to reporting this account to be late.
Consumer complaint received 2018-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I started working on this foreclosure in XX/XX/XXXX. As you will see in the documents we received several offers. One was selected and we worked with the lender Wells Fargo to provide all information required. The process was frustrating as Wells Fargo kept changing negotiators and then told us we had not communicated with them when information was requested.

Several call were made to Well Fargo as documents were sent in repeatedly which was never acknowledged. Finally There was a three-way call with my short sale specialist, XXXX XXXX, XXXX XXXX, Myself and Wells. There is correspondence on XX/XX/XXXX regarding communications and missing documents. It appears the short sale was back on track per the documentation dated Tuesday XX/XX/XXXX, asking for additional documents including increasing the sale price to market value of {$120000.00}. Once the information was updated and sent in, the file was apparently dropped. 


We had another conversation with Wells Fargo who informed us that the file was closed. We then brought in a short sale expert, XXXX XXXX, who has an extensive track record with difficult short sales. We resubmitted the short sale packet with a new buyer as the original buyer grew tired and frustrated of time time and lack of communication from the lender. 


Finally on XX/XX/XXXX, we were notified that that short sale was denied. No reason was given and we were told that there was no recourse. 


We have included all the email chain from the 2nd short sale submissions for you review, along with some of the prior correspondences. We realize this is a tight time frame, but our goal is to delay the foreclosure and be given the opportunity for XXXX XXXX to sell the property at a reduced cost and not have her credit more negatively impacted than it already is. 


We feel that Wells Fargo and the investors of the property did not provide ample opportunity or feed back for a successful short sale and manipulated the process so that it would fail. It's feel like a predatory situation and needs to be addressed. 


Please see our document attached. Due to the volume I may have to send multiple emails. Thank you.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CCS Financial Services, Inc. (NY)

I received a letter dated XX/XX/2017 from CREDIT COLLECTION SERVICES ( CCS ). The notice looks contrived and my name is not XXXX. I called experian, transunion, and equifax. Each advised me to call XXXX, an organzation which fails to disclose a legal entity name. MY SCORES HAVE DECLINED TO THE LOW XXXX from XXXX last week. My mother paid them {$380.00} to satisfy their demands. CCS has inaccurate information and XXXX coerced payment to calm me down. Please see attached. XXXX emailed me with a bogus link to click with the language : ACTIVATE EMAIL MESSAGING. The URL embedded is : https : //self-service.ccsusa.com/? XXXX & fi= & XXXX & XXXX & XXXX & XXXX & XXXX : % XXXX , % XXXX : % XXXX , % XXXX Attached are the only XXXX documents I have. Also, they asked for my social security number. When I uploaded these documents, a popup contained the term " fake path. ''
Consumer complaint received 2015-04-10
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (TX)

XXXX phoned me to collect on a loan taken out in my name from an online cash net on XXXX XXXX 2014. They had my ss number part of my birthday my physical address, phone number, my daughter 's drivers license and my simulates email. They deposited the money into her bankaccout. I believe my soninlaws did it. How could they processed it without my signature? I made a police reported.
Consumer complaint received 2018-05-27
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)

I have head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and Equifax is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after Equifax deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is Equifax will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.
Consumer complaint received 2022-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (GA)

I sent letters to XXXX, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked, removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Consumer complaint received 2022-09-06
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: National Credit Adjusters, LLC (TX)

On XX/XX/21 XXXX XXXX opened an account for someone who had stolen my identity. In the last couple of years there have been many unsuccessful attempts to open accounts in my name as my credit reports are frozen. The account number is XXXX and the account ID is XXXX. 
At the time I did contact XXXX XXXX by phone and told them the account was opened fraudulently. I never heard anything else about the account and assumed they had closed it. Recently National Credit Adjusters ( NCA ) opened a derogatory account in my credit reports attempting to collect on the debt. The debt is not mine and is fraudulently listed in my name.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NJ)

On Monday XX/XX/2021 I got a charge from XXXX.XX/XX/XXXXXX/XX/2021 for XXXX on my Chime Account. 

I did not make this purchase This is Not a real website. 
I filed a claim with bank XX/XX/XXXX. 
They denied my claim XX/XX/XXXX. 
I appealed XX/XX/XXXX. 

Ive called multiple times since XX/XX/XXXX, it was escalated multiple times. Now its XX/XX/XXXX and I still havent heard anything. I called them and they said they sent a email on XX/XX/XXXX. I dont have this email, they wont tell me where it was sent. I also contacted XXXX and they said that site isnt affiliated with them. 

It was denied again XX/XX/XXXX as per representative. Once again I was not informed of this.
Consumer complaint received 2020-03-04
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: 1st Franklin Financial Corporation (MS)

1ST FRANKLIN ACCOUNT XXXX This account has been on my Credit Bureaus and I have disputed it numerous times and the Credit Bureaus state that the information is correct and it is Fraud and I am a victim of Identity Theft. I personally took the Police report to 1ST Franklin and they said that there was nothing that they would do about the account knowing it was not mine and I gave them a copy of my Drivers License so they could compare their file to my ID and they made a copy of it and put it in their file to start pursuing me to pay for this even though it is not mine.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I called Macy 's to ask about purchasing a {$3200.00} bed. They had an offer to sign up for a Macy 's American Express credit card and receive 20 % off purchases made with the card. I asked a Macy 's employee if I would get 20 % of the purchase price of the bed if I purchased it same day and they verbally confirmed I did. No mention was made of a {$100.00} limit. 

Also on XX/XX/XXXX I went to purchase the bed over the phone with Macy 's and found out the amount I'd been approved for was only {$2600.00}. Macy 's called the credit card department and helped me raise the credit limit. While I was on the phone with the agent, I asked if I would get the 20 % discount and they confirmed I would. No mention was made of a {$100.00} limit. 

I would not have signed up for a credit card for a {$100.00} credit. 

On XX/XX/XXXX I looked and saw the charge hadn't appeared on my credit card. I called the credit card again and asked if I would still get the discount since the charge wouldn't appear until later. They again assured me I would get 20 % and did not mention the {$100.00} limit. 

On XX/XX/XXXX the bed was delivered and I was charged the full {$3200.00} but only got a {$100.00} credit, far less than 20 %. 

On XXXX, XX/XX/XXXX, and XX/XX/XXXX I called to resolve it and they said they couldn't find any record of my conversations with agents and declined to credit me the 20 %.
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: TCF NATIONAL BANK (CO)

TCF : I TRIED TO REFINANCE WITH TCF NUMEROUS TIMES. THEY DO N'T WANT TO REFINANCE WITH ME I THINK BECAUSE I HAVE BEEN PAYING MY MORTGAGE ON TIME. THE RATE I HAD THEN WAS 7.5 %, WHICH WAS A MORTGAGE OF {$920.00} A MONTH. NOW IT IS {$1000.00} A MONTH. I FEEL LIKE I 'VE BEEN TAKEN ADVANTAGE OF BECAUSE OF ME BEING IN A XXXX PROGRAM, AND THE FACT THAT I'AM A VETERAN. THEY ALSO TOLD ME THAT TCF WAS GIVING UP THEIR CONTRACT TO XXXX XXXX. THIS WAS 3 YEARS AGO. LIKE THIS WAS REALLY SUPPOSED TO MAKE A BIG DIFFERENCE. NOTHING WAS DONE ON THEIR PART. I 'VE HAD ALOT OF FINANCIAL DIFFICULTIES AND GETTING NO HELP FROM THEM ON THIS PART. WHAT CAN I DO ABOUT THIS? I 'VE HAD TO DO A BANKRUPTCY IN 2016 BECAUSE OF MY DIFFICULTIES. HELP!!!
Consumer complaint received 2015-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Genesis Lending (CA)

XXXX College XXXX campus XXXX XXXX XXXX XXXX. 
XXXX CA XXXX I believe I have Genesis Loans which is now XXXX XXXX XXXX XXXX and would like to know if they are included in the CFPB settlement.
Consumer complaint received 2017-02-22
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (NC)

While trying to settle my father 's loan obligation with a reverse mortgage company through the sale of the property, loan servicing company repeated delayed providing a payoff statement. I have been provided erroneous information since the first day I requested information on the process. I fully believe this company is delaying payoff to benefit from foreclosure. The property is under contract and was to close XX/XX/2017 and as of this date XX/XX/2017 a payoff statement has not been provided ; my original request was send XX/XX/2017 at XXXX via fax and email. If I do not receive this payoff today the buyers attorney will be forced to return funds to their lender thus the sale of this property will not go through. While I have requested to speak to a supervisor, I have been forwarded to a voicemail ; I have emailed the supervisor and have received no response. I am being treated unfairly and my attorney is now involved. This lender will have caused me to lose the sale on this property and they will proceed with foreclosure activities.
Consumer complaint received 2015-09-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (AZ)

Greatlakes is representing their lender in managing my private loan and they constantly harassing me and the cosigner. I 've submitted letters asking for a lower payment because I can not afford to pay back over {$700.00} per month. They refused to work with me and issued blanketed statements such as private loans are not eligible for income-based repayment. I did not ask or apply for such a thing and this is utter nonsense as other institutions have options to lower payments for private loans. I presented the situation that I 'm unable to make payments in full and would need it lowered. I do not plan on defaulting the loan that 's why I asked for help. They refused to go back to the lender and work with them to find a solution. They would call and harass me daily without providing a solution. I ask that CFPB step in to find me a solution. They 're damaging my credit by keep reporting late payments without providing a satisfactory resolution. This is modern day discrimination and we need to escalate to the highest level.
Consumer complaint received 2016-09-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OK)

The debt was purchased and sold by multiple debt collection companies. I called the original creditor whom I owed the debt to originally and they gave me a number. They no longer hold the debt. I called and the number gave me a number because they no longer had the debt. I called 3 different numbers.This company recently aquired the debt. I have intentions to pay the debt but this is the first time I 've learned who I owe the debt to since the original loan was made. I received no calls or mail regarding the debt from 2014 until now. In 2 years I assumed it was discharged or written off by now. No it 's not on my credit report either. Anyway I verified who I was when they called and I asked for them to mail me a copy. That was 2 weeks ago. I got a call today demanding payment. I said without that paper I was n't paying and giving out payment over the phone. They emailed the copy. I said no good. I want it postmarked. I do n't want to be victim of scam or fraud. They call me multiple times demanding money and threatened court and jail. After I got off the phone a fake person called and pretended to be an investigator demanding I pay in 24hrs before law arrest me at home.