davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I went through the whole loan process. Pre approval, underwritting and paying for inspections, appraisals, due dilligence, ernest deposit etc. We gave them all the information asked for in a timely manner. The dragged their feet which pushed us way past closing date. We re-negotiated and gained more time. Then they denied my closing after contract expired costing us thousands of dollars over funds that were not even relevant to the close that they were completely aware of from day one. Then we managed to talk to the seller and get him to wait while we provided more documentation and they just left us on the hook the seller got tired of waiting and re listed the house. The bank virtually stripped us of 75 % of our savings and said sorry we cant help you
Consumer complaint received 2022-01-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Affirm Holdings, Inc (CA)

On XX/XX/2021 I received an email from Affirm, the bank that I have deposited $ XXXX in. They apparently use XXXX XXXX Bank for this. 
The email stated that my new Savings account is locked and will be closed. It requested a copy of bank statement that has both the routing number and account number on it or submit them separately. I did this. My credit union does not have both these numbers on it. They waited 10 days and sent another email asking for another statement from a different bank. What if I dont have another bank? I do, but I did not feel comfortable giving this shady company info on another bank that also has $ XXXX in it. I sent them the statement anyway, then contacted that bank ( XXXX ) to prevent any withdrawals being made. I was told by XXXX that they have a $ XXXX limit on XXXX deposits. My Affirm account has {$250000.00} in it now, with interest. In 10 days I can expect another email from Affirms customer service department in XXXX XXXX explaining why they still cant close the account. 
MANY phone calls to the XXXX call center and XXXX XXXX bank have shown that they refuse to connect me with anyone with the authority to resolve this. I have spoken with XXXX XXXX at XXXX, and emailed XXXX, on XXXX XXXX and XXXX at XXXX - XXXX with no reply or action taken.
Consumer complaint received 2023-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (FL)

Back in XXXX XXXX XXXX I had repeatedly contacted XXXX about canceling my account. Each time I was instructed to research my code work by emailing them, which I did. I changed the code word and was still unable to cancel my account. I then sent an email to them stating that I had already attempted to change the code word and cancel my service but their system would not allow me and they would not allow me to do so over the phone. So now 3 years later they send a bill for {$500.00} for a system/account that was never even used and was canceled. I did exactly as they instructed and could not cancel my account this is a very illegal business practice.
Consumer complaint received 2024-02-04
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)

I requested original documentation from these companies reporting this inaccurate information on my credit report .No response was provided.

They have violated my rights 15 USC 1681 c ( a ) ( 5 ) Section States -No consumer reporting agency may make any report containing any of the following items of information [ Any other adverse item of information, other than records of convictions of crime, which antedates the report by more than seven years }
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (NV)

Received a notice from my new monitoring service regarding an account from CONVERGENT OUTSOURCING in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC. The reporting debt of {$180.00} is a result of identity theft and does not belong to me .I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
Consumer complaint received 2021-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (PA)

I have disputed this account with the credit bureaus and the company ( EOS CCA ) more than three times. The credit bureaus keep telling me that the account has been verified. Without providing any information on how the account was verified. The company ( EOS CCA ) is not responding to my letters. All letters have been sent by certified mail and have been received by the companies.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (CA)

Unlawful Foreclosure. I have submitted a full and complete loan modification application to Home Point Financial regarding my mortgage loan currently in active foreclosure. Pursuant to California'ss Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above referenced property until you have provided an answer to the our loan modification application. Active foreclosure sale date scheduled for XX/XX/2019 must be cancelled immediately. 

We hereby demand that the foreclosure sale he CANCELLED and that you immediately comply with the provisions of the Homeowner Bill of Rights. Failure to immediately confirm that you will comply as demanded may force us to seek legal help and file a complaint and move for an emergency temporary restraining order. As you know, the Homeowner Bill of Rights allows for attorney 's fees to be awarded upon the successful granting of a temporary restraining order without having to prove any other points within our case. We intend to seek that TRO along with the resulting attorney 's fees should one be retained.
Consumer complaint received 2019-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I finished school last year on XX/XX/2018. I did not get my diploma or show as a graduate until XXXX of that year. I contacted Navient today as I was told when trying to get a personal loan that Navient is reporting delinquent. I have not heard from them. They are claiming I am delinquent since XX/XX/XXXX of last year. 

How is this possible when you are granted a 6 month grace period from the time you graduate to start making payments? Plus the fact that they have made no attempts to contact me. My credit is now ruined because of them
Consumer complaint received 2019-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied to Bank of Americas refinancing of my home trying to force me to pay off credit cards to them when I have never been late. I declined that loan because them trying to force me Today I was turned down for a loan by them because I believe they are retaliatory now because of this. I havent charged on the cards they want payed in 2 years and I pay down 40 more each months payment.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OK)

The Company closed my account due to " inactivity ''. 
Permission and/or consent to close the account ; to make a report to the XXXX. 's about my consumer transaction account history was never granted by me. In turn, they are testifying false and misleading formation. I seek all damages and remedies applicable to this isssue.
Consumer complaint received 2021-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I was reviewing my credit report & noticed a collection account by the name of Jefferson Capital Systems. I dont recall seeing a written contract between myself & Jefferson Capital systems. It is my understanding that if they can not provide proof of this being my debt that it must be removed. According to the FDCPA, they must provide adequate proof showing that this debt is in fact mines, if theres no proof then this must be removed from my credit profile. Computer printouts of billing statements arent proof
Consumer complaint received 2024-02-04
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

PLEASE CHECK ATTACHMENTS BELOW
Consumer complaint received 2021-08-14
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. (NJ)

I mailed multiple disputes letter to XXXX, Transunion, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.
Consumer complaint received 2019-03-12
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. (NV)

I happened to check out what was going on with my credit report. I noticed an inquires and accounts that do not belong to me. Please remove them from my credit report immediately. This is a result of identity theft, and unfair to me.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Quality Loan Service Corporation (CA)

Unlawful foreclosure. I have submitted a full and complete loan modification application to XXXX XXXX XXXX regarding my mortgage loan currently in active foreclosure. Pursuant to California s Homeowner Bill of Rights you are prohibited from conducting a trustees sale ( foreclosure ) on the above-referenced property until you have provided an answer to our loan modification application. Active foreclosure sale date scheduled for XX/XX/ 2019, must be canceled immediately. 

We hereby demand that the foreclosure sale he CANCELLED and that you immediately comply with the provisions of the Homeowner Bill of Rights. Failure to immediately confirm that you will comply as demanded may force us to seek legal help and file a complaint and move for an emergency temporary restraining order. As you know, the Homeowner Bill of Rights allows for attorney 's fees to be awarded upon the successful granting of a temporary restraining order without having to prove any other points within our case. We intend to seek that TRO along with the resulting attorney 's fees should one be retained.
Consumer complaint received 2019-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fay Servicing, LLC (IL)

XXXX XXXX  was my mortgage company. I hired a law firm to help me get a reduced interest rate from XXXX XXXX because I had 2 loan modifications with XXXX XXXX but I was told the mortgages were fixed 30 year mortgages. Howver, each time the interest started low and ballooned to over 6.5 %. So I did not want to modify my loan with XXXX XXXX a third time. XXXX XXXX and my attorney ( XXXX XXXX ) at XXXX XXXX XXXX was negotiating my mortgage loan and in XX/XX/XXXX in the middle of the foreclosure prevention negotiation, XXXX XXXX transferred the loan to Fay Servicing. Fay Servicing has refused to reduce the interest and has tried to force a foreclosure or have me pay {$18000.00} to reinstste the loan. I thought I paid the amount to reinstate the loan by wire transfer from my XXXX XXXX to the Federal Reserve to Fay Servicing. As it turned out the money that the Federal Reserve put into the Fay Serving Account at the XXXX XXXX XXXX, was stolen. The account may not have been a valid Fay Servicing Account at the XXXX XXXX XXXX. That was onXX/XX/XXXX. The wire transfer money was due XX/XX/XXXX. On XX/XX/XXXX my attorney contacted me to tell me that Fay Servicing did not receive the {$18000.00} that was wired from the Federal Reserve. Now, today I receive a letter from Fay Servicing asking for {$20000.00} by Friday XX/XX/XXXX to reinstate my loan. Fay Servicing will not reduce the interest rate or put the reinstatement fee back into the loan. Considering that I made the initial reinstsement amount in good faith just 2 weeks ago, I don't feel that Fay Servicing is being reasonable to try to foreclose on my family home that I grew up in and that I can afford to keep by making monthly payments at a reasonable interest rate. I need your help in understanding why XXXX XXXX would not negotiate and why XXXX XXXX transferred the loan after trying to foreclose on my property. But, currently, XXXX XXXX is advertising new mortgages on the radio that have 3 % interest rates, Secondly, I need your help in getting Fay Servicing to reduce the interest on my mortgage .loan and put the reinstatement fee back into the mortgage loan or let me make payments to pay the reinstatement fees. The wire transfer was stolen by being wired into an account that was named Fay Servincing at XXXX XXXX XXXX.
Consumer complaint received 2021-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NAVY FEDERAL CREDIT UNION (TX)

I am a consumer, natural person and original creditor. A letter was received from XXXX XXXX XXXX on XX/XX/2021 alleging as fact that i owe Navy Federal Credit Union {$4200.00}. No money was given to me by this institution and would like to know where the bank got the money from that they alleged i owed. XXXX XXXX XXXX violated 15 USC 1692b ( 5 ) by advising that they were " attempting to collect a debt '' which 15 USC 1692b ( 2 ) states that a debt collector can not state a consumer owes a debt. Pursuant to 15 USC 1692c ( a ) they sent communication without prior consent and committed identity theft by creating an account in my name without my knowledge. Navy Federal Credit Union is also in violation because this is an invasion of individual and family privacy. Pursuant to 15 USC 1692d ( 2 ) XXXX XXXX XXXX violated me by demanding that i " submit '' or " make a payment '' to them. Pursuant to 15 USC 1692f ( 1 ) that's a violation to attempt to collect a debt unauthorized by an agreement between parties. I have no contract with them nor have i ever done business.
Consumer complaint received 2018-12-06
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. (FL)

This is regarding an account reporting on my personal credit report. 

Account Name : XXXX Account Number : XXXX For over 6 months I have been disputing this account with the credit bureaus and each month they have not been able to report accurate information regarding this item. Many pieces of information that are being reported on this keep changing over and over and are not accurate! 

I also faxed in a request for the METHOD OF VERIFICATION by fax on XX/XX/XXXX and by law the credit bureaus is required to send within 15 days and this was NEVER RECEIVED. They are consistently reporting inaccurate information after repeated letters. I have attached all the documents. 

In Addition to failing to provide the method of verification after I requested by fax and proof of fax confirmation is enclosed : Credit Report dated XX/XX/XXXX : 1 ) From the previous month 's credit report when pulled ( XX/XX/XXXX ) the balance changed from {$7400.00} to {$7300.00} which is inaccurate! 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance changes from {$7400.00} to {$7300.00} which is not accurate! The other two bureaus show different balances!

2 ) The monthly payment changes from {$240.00} to {$0.00} also inaccurate! 

On the previous months report dated XX/XX/XXXX 1 ) They are reporting a monthly payment of {$240.00} which is not accurate!

2 ) Same issue with balance reporting {$7400.00} when the month before was {$7300.00}! Not accurate! 
3 ) The date of last payment is reporting XX/XX/XXXX which is different that the other bureaus. 

On the previous month 's report dated XX/XX/XXXX : 1 ) The balance again is {$7300.00} when it was {$7400.00} They are just switching numbers all around and it is completely inaccurate by changing the balance, and the, terms, and the monthly payments to different amounts all the time! 

I want this item deleted since they are continually every month reporting it inaccurately and have failed to respond to my method of verification request which they are by law required to do!
Consumer complaint received 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

After working with a lender and attempting to purchase a home, I noticed there are numerous items on my credit reports that do not belong to me. XXXX in the amount of {$13000.00}, XXXX XXXX XXXX in the amount of {$700.00} and XXXX XXXX XXXX XXXX in the amount of {$300.00} were not originated by me and per FCRA guidelines need to be removed. I also noticed my address is reporting as XXXX XXXX XXXX, XXXX XXXX XXXX and it should be XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2021-08-14
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: Credence Resource Management, LLC (TN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

I sent out a validation letter on XX/XX/XXXX Convergent received the letter XX/XX/XXXX. I have been trying to validate this debt with Convergent Collection Company asking to Validate this XXXX debt account # XXXX they claim is mine. In my Affidavit to Convergent I asked to send me a wet Ink copy of a sign agreement naming XXXX XXXX as the owner of this debt. I also asked Convergent Collection to send me a copy of the Bill of Sale to show they have the right to collect this debt naming XXXX XXXX which gives Convergent the right to collect this Debt. 

I also stated in my Affidavit that if Convergent has first hand knowledge of this debt they should be able to product these documents. Convergent sent be a copy of a bill with a letter. The FTC states a copy of a bill does not validate a debt. IIn Addition if you do not have a bill of sale naming the person owning this debt you have No Right collecting on this debt. There are some inaccuracies and Red Flag with this debt. Convergent admit some inaccuracies in their letter, but continues to report this debt and damage our abilities to secure a loan. Convergent in their letter stated " their company has not sufficient time to complete an investigation into the inaccuracy and a corrected copy ''. Under the FDCPA they have 30 days to verify this debt again there are some serious red flags with this debt. In closing they have not proved the debt is mine, they have not completed the dispute process in the 30 days. They have admitted to inaccuracies, but continues to report this debt as accurate. Please help!!
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

On XX/XX/2018, I made a cash deposit of {$1900.00} at the ATM XXXX XXXX XXXX, XXXX, NJ XXXX at XXXX. The ATM processed the money, however the machine shut down and said temporary out of service. Then it spit out my ATM card. The funds were not available. I went inside the bank and the representative stated that she will give me provisional funds, however it only put in an investigation status. The Branch manager XXXX XXXX said there is nothing he could do, and that I would have to wait the waiting period. I called the police and they said it was not a crime and it was nothing g they could do. I could file a report. I called PNC retail escalation department and spoke with XXXX and said they can not do anything for another 48 hours. This has put me in a grave disadvantage. I made a cash deposit, I feel they stole my money. 
Also, they cash a check for me and then made the deposit as cash. That also is not available, they couldnt explain why. I made a total of {$2900.00} cash deposit and known of my funds are available.