davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

I attempted to order a refrigerator through Sears online in approximately XX/XX/2019, after realizing it was too large after measuring area within minutes, I canceled order. it showed as canceled. I received calls that I owed money. I spoke to several individuals for at least 4 months. it was resolved but it is now showing on my credit report that I was delinquent in XXXX and XXXX of 2019. acct syw  mc/cbna # XXXX the total amount was {$1900.00}. I never owed this amount, I never received the product. it was canceled within minutes online.
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I had ( meaning it should have been closed ) an  account with Wells Fargo because my mortgage was sold to them in XXXX, I am aware that this is a current practice. I did not go to Wells Fargo and ask them to open this account - they happily took over the mortgage and there were no issues. No issues when I sold the house and the balance of the account was paid off sometime in XXXX of XXXX. The issue is that they kept my mortgage account open. It is open still today XXXX/XXXX/XXXX - I just spoke with them. 
The company that I work for now has their XXXX through Wells Fargo. Wells Fargo will not let me view my XXXX account ( that contains my XXXX money from work ) because my old mortgage account is still open. One account should not have anything to do with an old account. 
This is what Wells Fargo is now infamous for - opening and/or creating or not closing existing accounts once their use is long over. 
I have been all the way up to the Ethics line with  them.
Consumer complaint received 2021-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Although I am being sued by XXXX XXXX XXXX XXXX XXXX XXXX, the true entity behind the foreclosure complaint is servicer Bayview Loan Servicing. The foreclosure complaint claims that there is a default under the terms of the loan modification. For educational purposes, why does a lender or plaintiff plead a breach of contract under the terms a loan modification and not on the original terms? Because a loan modification agreement is an extension to the contract and therefore lender must plead that a default occur under the new terms of the loan modification. For clarity see Florida case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bayview loans & XXXX XXXX XXXX  plead that a default occur under the terms of the loan modification. See attached complaint for your review. After carefully reviewing the allege loan modification we noticed that the agreement does not comply with Florida statutes of fraud and therefore is invalid without any legal enforcement in any Florida Court room. Under Florida statute 494.00296 ( 2 ) ( a ), A written loan modification agreement must be signed by both parties. Under Florida statutes of fraud, any modification to a contract is UNENFORCEABLE UNLESS memorialized in a written document signed by the parties or their representative. The allege agreement is void and without any legal effect as it was not signed by XXXX. See attached loan modification agreement page 4 of 5, it states the following in the upper part of the page " As evidence by their signatures below, the borrower and the lender agrees to the foregoing., it was never executed by XXXX. At this juncture fraudulent Bayview loan servicing from XXXX XXXX FL, can not make the claim that they forgot the signature page as they would be engaging in fraud. A lender must have standing at the inception of the foreclosure and does not acquire standing during the duration of the foreclosure action. The frivolous complaint must be dismissed as a matter of Florid law. You pleaded to a loan modification extension that never existed as XXXX never sign and therefore the agreement is a NON contract without any validity in A FLORIDA COURT ROOM you know better than that Bayvew Loans.
Consumer complaint received 2017-09-08
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. (CA)

This is a complaint about EQUIFAX. 

On the evening of X/X/2017, I found out that I was a victim in the recent Equifax credit bureau security breach. I have spent a long time getting my credit score, financial health and report to acceptable levels and now that am a victim of this breach, I worry constantly about my identity being stolen and all my hard work to be compromised. To be proactive, I have placed freezes on all my credit bureaus as well as placed a 90 day fraud alert on all my accounts. I believe Equifax should have notified me sooner of these issues, rather than try and cover their tails and I find it unfair that I have to go through all these measures due to their poor monitoring of their website. Their only remedy is to give 1 year of free credit monitoring, but the information that was stolen from their servers could affect me for life. Its not like I can change my SSN or DL number, or better yet my mothers maiden name. Now it feels like I will have to always be concerned about my identity being stolen, more so that ever now.
Consumer complaint received 2017-09-08
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. (FL)

I am a victim of the 2017 Equifax cyberattack that was announced in early XXXX 2017.
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 2017-09-08
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. (CA)

My information was mishandled, which put me at risk of identity theft along with millions of others. I am a potential victim of the recent data breach at Equifax according to their equifaxsecurity2017.com site, so I would like a resolution. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-03-27
Product: Other financial service — Credit repair
Issue: Advertising and marketing — 
Company: BLUE WATER CREDIT, LLC (CA)

After reading all of the positive reviews from other clients that have used this service, I hired this company in  XXXX  to assist me in improving my credit and credit scores. Each month this company would send out dispute letters to all  XXXX  credit bureaus to dispute information on my credit. After 6 months of using this company and paying {$150.00} a month, I have not seen any significant changes in my credit or scores. When I first began with them I was advised by the credit  counselor  to pay off some of the collections on my report. I paid them off and did exactly what was advised. I followed up with the advisor on occasion and was told that some of the bureaus are difficult to work with as far as getting deletions removed. I also spoke with the owner of the company and was told that most customers see a  XXXX  % improvement in their credit. I only have a  XXXX  % improvement in the time working with this company and am disappointed in the results. I feel like the company false advertises and it makes me question the reviews from these other clients. I have been working diligently and doing my part and I have invested {$650.00} to see barely any improvement. When I spoke to the owner, he told me that they would do an over all analysis and recommend if I should continue with the company. I am disappointed in that response because if I walk away now, there goes the {$650.00} that I invested so far. This is unfair customer service practice and I have wasted a lot of money on something I could have done myself. I just want my money back and will repair my credit on my own.
Consumer complaint received 2017-01-18
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (NY)

I did a check deposit on XX/XX/XXXX in my checking account, I waited 24 hours meanwhile the check was pending for verification. On XX/XX/XXXX the bank gave back the check because had not funds. Also I reported this case to the police because it was a scam related with a supposed training for a new job. The money was sended to do two payments related with the new job duties.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Back in XX/XX/XXXX I mailed a written letter to XXXX and asked to be permanently opted out, because I was receiving unsolicited mail from CapitalOne. However, today XX/XX/XXXX, I  received yet another offer from Capital One for their credit card. What do I have to do to get these predators to stop harassing me?
Consumer complaint received 2017-09-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (TX)

I applied for a cash out refinance on X/X/17. I stated my home was worth {$200000.00}, but the appraisal came back at {$190000.00}. Originally, the loan amount would have been {$160000.00} and we were going to pay off four credit cards in the amounts of {$9100.00}, {$6500.00}, {$5300.00}, and {$4700.00} and receive {$2900.00} in cash back. After the low appraisal, the amount was changed to {$150000.00} and only three credit cards to be paid off. I spoke to XXXX, loan officer, after the appraisal was received. He stated not to worry because I would be getting an escrow refund for around {$3500.00}. When the redisclosure package was uploaded it showed the three credit cards being paid off and {$5800.00} in cash back. I spoke with XXXX, who said I would get {$5800.00} cash back and then a refund a couple weeks later for escrow in the amount of {$3700.00}. I asked if he was sure ... ..he restated it. When I got a call to set up closing, I asked about the numbers again. The agent on the phone said that I was not getting an escrow refund, because it was used to pay down the amount owed on the home. I called XXXX  again. He told me " not to worry '' and he " did n't know what they were talking about '' and that he was looking at it on his screen. He said he would get it fixed. When I got another call to close, I was told I was getting {$2100.00} cash back and an escrow refund. I called XXXX  again. He emphatically apologized and told me he would get his director to fix this issue. He again stated I would get {$5800.00} cash back and an escrow refund in the amount of {$3700.00}. XXXX called me on X/X/17 and said that he was wrong and apologized. I asked him to make this right and he said that he would have his manager call me. Today, I got a call from the escalation department ( XXXX ). When I explained the issue, and asked to make it right and issue a credit in the amount of {$3700.00}. He said that Quicken was not a used car lot and that a credit in that amount " would not happen ''. I asked to speak with her supervisor and am waiting on a call back. XXXX was very rude and his tone quickly changed when speaking with me. I really doubt that Quicken will go bankrupt if they issue a credit to make this right. I am not in the wrong. I explained everything every step of the way and was mis-led during this process. This is not right.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear Transunion, XX/XX/2024 In Accordance with the fair credit reporting everything has to be XXXX percent accurate on my consumer credit report. 
The Credit bureau stated my account was properly investigated but how is that possible if the open date and close date and last date active is inaccurate. This is ground for deletion. 
Inaddition you violated my right according to congress.

15 U.S.C 1681 section 602. A state I have the right to privacy.

15 U.S.C1681 section 604A section 2. It also states a consumer reporting agency can not furnish information without my written consent. Please show me where I gave consent. 
Also the credit breau took longer than 30 days to complete my investigation. 
The information that is showing on my credit report in correctly is XXXX XXXX financial account number XXXX. 

Please reinvestigate this is incorrect. if not moved I will have to pursue legal actions because you are damaging my credit report. 


Thank you, XXXX XXXX,
Consumer complaint received 2021-02-01
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: Experian Information Solutions Inc. (NV)

XXXX XXXX Has a Credit Hard Inquiries on my credit report XX/XX/21 page 7 of 10 Report number # XXXX I don't no this company or who it is. This company has committed fraud in which they can not provide any contract or information showing that i agreed to there services. I contacted them and got nothing but the run around and no return call from this company. 
I have also reported this to the US Attorney office as fraud from XXXX XXXX.
Consumer complaint received 2021-02-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CHECK INTO CASH INC. (SC)

I got a payday loan from Check Into Cash over 5 years or more. I stop paying on it. Ive asked them to send me something in writing because I dont know how much I owe since its been so long. Im getting phone calls with threats about summoning me and taking legal actions against me. I think this is violating the fair debt collection act.
Consumer complaint received 2019-10-25
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. (FL)

I was told by the Experian representative that I couldn't dispute this account anymore. And I was told by the Mortgage Servicer representative that the only way that I could dispute this account was through email or fax.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALCHRO INC. (FL)

Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NV)

in XX/XX/2019 there was a fraudulent charge made to " XXXX XXXX XXXX '' for {$110.00} from my BlueBird American Express prepaid card..I checked with the XXXX XXXX XXXX  and `` XXXX XXXX XXXX '' doesnt exist and no lic reported..I filed a fraud complaint with my card carrier and they declined my case. I don't believe they did any investigation due to the information I got from the XXXX ... I want my XXXX thank you
Consumer complaint received 2020-05-28
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. (CO)

I will attach my FTC Identity Theft Report, driver 's license and SSC. I am a victim of Identity theft. This has happen to me on multiple occasions. I've tried contacting Equifax multiple times but they won't help me remove those fraudulent inquiries. I've done everything in my power to get this done so me and my family can move forward. With the whole COVID-19 pandemic going on, we don't need this additional stress.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (AZ)

Account name RENTDEBT AUTOMATED COLLE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$2000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXX XXXX XXXX AT XXXX XXXX info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, TN XXXX Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Affected by natural or declared disaster. 

Previous : None Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America, in my opinion, is punishing me for my prior complaints. 

I've made a transfer to pay the mortgages this month and now can't log into the website to make the payments. As the attached says the system isn ' available to me - not generally unavailable, just to me!! 

I've made repeated attempts to call - and you should try it too - without an answer. You'll get a recording about this being an attempt to collect a debt, and other intimidation language but you will not get the thing fixed so I can make the payment without BoA assessing 'late fees ' or other punishment for my complaints.
Consumer complaint received 2017-09-08
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. (NY)

RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute.
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from obtaining financing to purchase a home because of their wilful non-compliance with the FCRA. Thank you.
Consumer complaint received 2020-01-25
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NC)

I reached out to Nelnet in reference to a several student loans they service for Department of education that are being reported on my consumer reports with XXXX, XXXX  and XXXX  after they denied my identity theft claim. I believe these accounts are erroneously listed on my consumer report. In response to my inquiry Nelnet sent me a generic form response and provided some additional copies of alleged account transactions. Furthermore on one document thay claim to be reporting the accounts on my consumer report correctly and accurately based on the fact that I allegedly acknowledge ownership over the accounts by applying for deferments/forbearances. They provided a " Deferment and/or Forbearance History '' document. I still reasonably believe that these accounts are being listed on my consumer reports are erroneous and should be deleted. The documents Nelnet provided to me do not prove that the accounts in question factually belong to me. 

Please see attachment. I have attached documents that Nelnet used to determine that the accounts in question allegedly belong to me and ask for clarity in the form of additional documentation to support their claim.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES (CA)

This account got sent to collection in XXXX of XXXX. Since then it has been moved to different debt XXXX. This last time it was moved to Kings Credit Services the amount has seemed to keep raising slowly. The debt collector says I know owe them {$520.00}. When I called them they told me this debt will continue to increase until the debt was paid indefinitely. I wanted to take care of the original amount that I owed, but i feel that this is not legal that they charge me interest on a medical bill. I told them that I am filing a complaint and they said its fine.
Consumer complaint received 2017-08-28
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. (CA)

my accounts XXXX account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. 
thank you for your cooperation please find attached the creditors letters.