davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have an account with XXXX XXXX XXXX and there was an agreement with the company that they would report the account as paid as agreed with no derogatory information. A conference call was made to the home office upper management and they indicated they would send the information to the bureaus. I thought this would have been resolved already. When I received a copy of my credit report it was not resolved. I then had the account disputed in hopes Equifax would contact the company and the company would confirm the payment history should be corrected. Apparently this was not done or the response I received from Equifax would have reflected the correction. This would indicate to me and anyone else Equifax did not contact the company and investigate the account.
Consumer complaint received 2017-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

My mortgage has been paid in full. I have a cancellation of debt that has been filed with the court since XXXX/XXXX/XXXX by the original Grantee. The mortgage company has me delinquent since XXXX and is trying to foreclose on my home when the debt has been satisfied. Their attorney keeps sending collection notices.
Consumer complaint received 2022-03-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Im trying to exchange damaged bills in different financial institutions. 
They all refuse me for not being a client. Which I can't be, because I am just on a tourist trip to the US. 
I contacted the XXXX XXXX XXXX and XXXX and they reassured me that the banks must comply with the federal regulations. 

I showed the email to the managers of the banks, and they claim their internal policy does not allow to receive and exchange damaged bills from non clients. 

As an example I am sending the response of Bank of America. 
Im in XXXX XXXX and I visited 15 banks, including XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  and others.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2017-10-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (CA)

My home was foreclosed on in 2013. I had two mortgages. 80/20 First loan was with XXXX and the second loan was sold multiple times, and ended up with Shellpoint Mortgage. 
After the home was foreclosed on, the first loan, XXXX was paid and now is currently listed as Resolved through Foreclosure on my credit report. 
The second loan is still active on my report and it states that the account is 180 days + past due every month and hurting my score. 
My question, should this account also be resolved through foreclosure? 
I have called both companies several times and they both seem to give me the run around. 
Shellpoint tells me there is no alternative and I must pay the original loan off ( over $ 80k ) which I am unable to do. 
Do I have any legal standing?
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

XX/XX/XXXX I received a loan modification from XXXX XXXX XXXX ( BOA ) with the trial period of 3 payments of {$2300.00} to be paid ( XXXX, XXXX, XXXX ) After the 2nd trial payment had been made I was informed by BOA that the loan would be transferred on XX/XX/XXXX to XXXX XXXX XXXX and all terms would remain the same and that I would have to pay the third trial payment to BSI. Which I did. I made mortgage payments to XXXX until XXXX XXXX loan was transferred again in XX/XX/XXXX to Fay Services ( FS ) who refuses to honor the original modification from XXXX. I made payments to FS from XX/XX/XXXX to XX/XX/XXXX and was constantly being told I was making partial payments. As a result of this situation I have been forced into bankruptcy to try to get this resolved ... .even up to present ... FS also would not provide my monthly mortgage statement to me or my credit union to help me with the financial situation
Consumer complaint received 2016-08-24
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: WELLS FARGO & COMPANY (CA)

We represent a XXXX of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving his request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-08-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One bank is taking me to court over {$2000.00}. We missed a month and they said we had to pay {$300.00} and would n't work with us. We did n't have that money. So we could n't pay. Now I 've received a summons to court over {$2000.00}. We do n't have that kind of money. We are barley getting by. My daughter has a XXXX on her XXXX, my father in law is XXXX of XXXX, and I just recently had XXXX XXXX XXXX. I feel like my rights are being violated when it comes to the fair debt collection act for using abusive debt collection practices.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jormandy, LLC (VA)

In 2004, a junk debt buyer by the name of Jormandy LLC won a judgement on me for a charged off XXXX credit account which they had purchased. The amount was about {$14000.00} which was repaid through either payments made by me or garnishments made by the company. My issue is that the company is now demanding another I {$2800.00} which I feel I do not owe. It is my contention that the actual value of the account is far less than the original {$14000.00} and that the {$2800.00} is due to fees, interest as well as other charges that the company tacked on which Jormandy LLC knew were wrong. This is to me harassment as well as extortion.
Consumer complaint received 2017-06-29
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: Experian Information Solutions Inc. (AR)

This was to be removed from credit file due to the case being dismissed also courts has confirmed this should be removed.I even called on 3 way with the Bankruptcy courts on the line this should be deleted from credit public records file. <P/>Reference Number XXXX Date Filed Reported on XXXX XXXX, 2014 Classification Bankruptcy
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: LEXISNEXIS (IN)

Lexis Nexis is making it impossible for me to obtain my consumer file. I tried two times on line and they keep telling me they can not validate the pin they send me and by phone the automated system keeps cutting me off. I can not reach someone in person. 

Lexis Nexis Consumer Service Center XXXX. XXXX XXXX XXXX, Georgia XXXX
Consumer complaint received 2017-10-21
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Resolution Group, LLC (AZ)

I have been called 3 times a day 7 days a week for 2 months from Global Resolution Group , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX Now they are contacting my landlord after I have told them to send and only speak to me by mail. 

My landlord sent this text messages .. verbatim ... ... 

Good morning. While I am uncertain how my phone number was listed, Global Resolutions phoned me yesterday and need you to call XXXX to resolve some situation. 
I acknowledged I would inform you. 


this is humiliating and wrong to tell my landlord that i need to call and call to resolve an issue. that alone is breaching my privacy. Where did they get her number to begin with sounds more like skip tracing which I thought was illegal now. 
please have them dnc her number and stop this mental and emotional abusive tactics
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2021-06-23
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. (AZ)

To Whom It May Concern, I noticed the student loan on my Credit Report about 6 years ago. I immediately reached out the companies that were listed on the loan to report this inaccurate information and that I never attend school or sign up for a school financing loan. 

I was told to contact the school that was listed, and they should be able to help me. So, I searched XXXX XXXX XXXXL and the number listed was disconnected and no longer in service. So, I called back to the student loan company and then was told that school had closed and was under another name by XXXX XXXX. I tried to reach XXXX college and was told the school closed a few years ago also. 

So, I called the loan company back and was told when a school closes it must submit all its files to the state and I may be able to receive a copy of the transcripts. So, I contacted the XXXX of XXXX for the state of Wisconsin. I waited almost 3 months and then when I called back was told the records couldnt be found and I would need to contact the 3 major credit bureaus to handle this if it was fraud. I have since been sending letters month in and month out to try and get this removed from my credit report. 
I was told by the Credit Bureau to file a police report even if it happened years back which I did. I was told to file an FTC Identity theft report which I did. FTC report number XXXX. I sent this into the Credit Bureau and waited nearly 30 days to be told the XXXX XXXX XXXX XXXX validated this information and it could not be removed. Thats what I have been told repeatedly. 

My last attempt I was told by the supervisor to contact XXXX XXXX XXXX XXXX to see if I can do a signed Affidavit stating I never had any student loans that I signed up for or nor did I attend any school by the name of XXXX XXXX XXXX or XXXX XXXX. I did this also < affidavit stating I have no knowledge of this account and never made payments to this account. I was told a payment was NEVER made on it. I waited on the process. DOE ask for more information like an old DL or something bearing my signature after I sent my current XXXX DL. I did that also. Then I was contacted by an advocate for DOE and she just plainly stated.. This is your loan and you have to pay it. Nothing else we can do about it contact the collection agency and work with them. 

I continue to fight to get this removed - XXXX XX/XX/XXXX XXXX said they will finally remove this account due to fraud. But Transunion is stating they can only open a dispute which I have done almost 22 times and still they have not removed it. I need help and someone to step in for this is not right. This account was reported to them on XX/XX/XXXX which according to FTC rules I can request to at least have it removed due to statutory limits of the 7 year tradeline rule. XXXX  was the first to remove this account as fraud like 2 years ago.
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 (TX)

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 2017-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

Although I sent payment to Wells Fargo bank on time, they still charged me a {$15.00} late fee and {$5.00} in interest. I called to correct the issue and they agreed to credit back the {$15.00} and {$5.00} charges and I sent a payment for the full amount less the {$20.00} that was to be credited back. However, they did not credit the {$5.00} interest and as a result my account was marked as carrying a balance and charge {$2.00} in interest the next month. I called a second time and the agent agreed to credit the {$5.00} as originally promised, but would not credit back the {$2.00}. That {$2.00} of interest should not have been changed and I would like it refunded to me.
Consumer complaint received 2021-06-23
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: CITIBANK, N.A. (CA)

I got referred by a friend to start investing with my credit cards and checking account. He asked me to send payments from these accounts to buy bitcoins through XXXX and promised me that the company will pay back the money as soon as possible. I ended up using my checking account and my credit cards way over the limit that the banks had to foreclose my accounts. The scammers made couple payments to my credit cards, but then they got returned because they came from frozen/closed accounts. They also gave checks payment, but they also got returned due to closed account. I confronted them, and they kept promising me they will handle it, but I have not received anything until this day. I ended up with about $ XXXX {$100000.00} debts because of this scam. I spoke to XXXX XXXX Fraud Department to help me with my outstanding balance of about {$18000.00} due to this scam. They told me this is not considered as a fraud since I authorized the transactions. I tried to explain to them that I am a victim of an investment scam here which I didn't realize I was at that time I authorized the charges. XXXX told me to file dispute for those charges, and I just got notified that they could not resolve the disputes and posted the charges back to my account. I also tried to dispute the charges with XXXX, but they did not help me at all. I am so stressed and frustrated here. I lost so much money because of this scam, and the banks did not help me at all with this unfortunate situation.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS SYNCB/XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from SYNCB/FRNROW WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter asking for an investigation of the validity of what the company is reporting to agency. Equifax responded with the same missing information. Missing information from the payment history questions the validity of the account making this particular account incomplete in the manor it is being reported. This suggest Equifax did not verify the account per my request.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (LA)

I received an email on XX/XX/2021 from Toronto Dominion Bank announcing my new checking and saving accounts which I did not open and have never heard TD Bank before yesterday. I called and the staff at TD Bank were quite helpful. XXXX at XXXX verified that indeed an account had been opened using my XXXX XXXX number and my address from when I lived in XXXX FL. I sent the letters, including the FTC XXXX Indentity Theft report and the letter to furnishers, all requiring Toronto Dominion Bank to respond with information about these fraudulent accounts they allowed to be set up in my name using my personal information including social security number. This bank has not responded to my letters and I can not even file a police report because I do not have enough information to do so. I require this information. I am not even sure what city this took place in. The lack of information is hampering everything.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Equifax is reporting an old account on my report, via XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX XXXX provide evidence that I have not settled this account or it is I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.