davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-22
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

Was on XXXX XXXX and sustained a XXXX XXXX injury that transferred me to the XXXX XXXX XXXX XXXX in XX/XX/XXXX - XX/XX/XXXX. Tried to lower my mortgage payment through loan modification with Wells Fargo as I could not sell or rent my home at that time, was dealing with health issues, and was going through a divorce. Lender Wells Fargo told me to not pay my VA Mortgage, as they could only help me if I was behind on payments. After months of submitting paperwork, and making payments to their modification program, I was denied modification and my VA loan was put into foreclosure ( I was on XXXX XXXX with XXXX XXXX ). Was forced to short sell my home during the housing crisis in XX/XX/XXXX or face foreclosure. Wells Fargo then filed against my VA loan eligibility for the loss in the short sale - this was never communicated it could happen to me by Wells Fargo, or my agent. I still to this day can not get a full VA home loan due to this debt that Wells Fargo fraudulently set me up for. I have spoken with Wells Fargo many times, appealed, they will not help. I asked my congressman, XXXX XXXX to help, and the department of Veterans Affairs does not have a program in place to address this issue. I was taken advantage of during a time when I had multiple XXXX and was under doctors care - as well as being protected by Acts for XXXX XXXX soldiers. I need help, as for 7 years I have tried to remedy this issue and no one will or wants to help me, including the creditor. I was medically retired 100 % VA service connected in XX/XX/XXXX due to my injuries. I communicated my health issues to Wells Fargo, and they took advantage of me while injured on XXXX XXXX with the XXXX XXXX.
Consumer complaint received 2019-05-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have a lot of close and pay off account plus they are way to old to remain on my credit file Like XXXX XXXX XXXX XXXX US Department of education XXXX XXXX XXXX XXXX - XXXX credit card Plus XXXX XXXX credit card
Consumer complaint received 2022-03-31
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. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXX XXXX  account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OR)

I previously underwent a legal name change in XXXX and have had to dispute this several times for the last two years after finding out that my XXXX was still being used in some on-line platforms. I believe the issue has mostly been resolved with two of the credit bureaus. 
I noticed for the past year and a half that I was never able to get an on-line credit report from Equifax, and that my only way of getting it was to request it by mail. 
By chance, I remember having created an account on Equifax 's web site, so I went there to see if my credit reports were there. What I found was extremely surprising. Under the 'summary ' tab, my credit report shows as a 'clean record ', meaning that there are no credit accounts, lines of credit, loans, or even a credit score. And yet, when I went to dispute it by going to Equifax 's Dispute Centre, I saw all of my account activity there. 
To help in their investigation, I took several screenshots showing the problem. 
In XXXX of XXXX, I called Equifax and told them about the issue. I was placed on hold for an indeterminate amount of time, and then the call dropped. I wrote Equifax a letter a few days later and mailed it, but I never received a response. I am also including this letter, as well.
Consumer complaint received 2018-03-19
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Ocwen Loan Servicing, LLC continues their mortgaging servicing misconduct by sustaining the breaching of the binding modification contract after accepting our successful trial payments.

Ocwen still disingenuously maintains their game plan of deception by continuing to misinform us, our attorney XXXX XXXX and the Florida Office of Financial Regulation as attachments show by stating on their XX/XX/XXXX letter to the Florida Office of Financial Regulation page 3 which I quote : " the account is in foreclosure and on a temporary hold, which may be lifted at any time '' buy yet fail to notify the courts of such posture as their latest motion neglects this info proceeding with the foreclosure.

Ocwen still refuses to honor the modification agreement due their claim of not receiving back the signed agreement copy which was never received and neglects to provide proof that it even exists after multiple requests by us and our attorney.

Ocwen failed to pay our insurance premium that should have been paid from escrow payments made during our successful trial payment period to our established insurance carrier of 38 years causing its cancellation and then without our consent substituted the policy with their insurance choice at doubled the premium with less coverage.

Ocwen as attachments show, deceitfully ignored our appeal unilaterally violating the RESPA ( Real Estate Settlement Procedures Act ) stature.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (DC)

On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request.

NCC Business Services INC in the amount of {$7000.00}
Consumer complaint received 2022-03-31
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)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint because In accordance with the Fair Credit Reporting actXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, RXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXXaccount # XXXX & XXXXXXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-11-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I ( Member # : XXXX ) have been trying to work through penfed member services regarding my Home Equity Line of Credit account. I made a check payment on a void check of {$950.00} on XX/XX/XXXX. I called customer service on XX/XX/XXXX as the check recipient told me that payment bounced due to insufficient funds. I paid {$950.00} using my other bank account in the hope that this void check wo n't clear. I also sent an email on XX/XX/XXXX in this regard with no response till now. After multiple calls to the penfed member services, someone sent me the stop payment document on XX/XX/XXXX. I sent the completed stop document form on XX/XX/XXXX. I was told by the member service rep that I will get my money back. I was also appalled by the lack of call information being stored in your company systems. Unless a rep notates on an account, there is no record of prior calls. So, a penfed member has to tell the same story multiple times ( in my case 7-8 times ). 

I called back penfed services again on XX/XX/XXXX and was forwarded to the supervisor XXXX XXXX. She told me that money is out from my account and she can not do anything about this. I told her multiple times that why this was not brought during my first call with penfed on XX/XX/XXXX when I brought this issue. XXXX should have advised me for stop payment on the first call and protect me as a customer. Now, I 'm out of {$950.00} with no recourse. If I was given right information on the first call, I would have done stop payment on this check. 

I called back XXXX again in XX/XX/XXXX and spoke to XXXX. She mentioned that she was able to get hold of XXXX  XXXX ( bank that cashed void check of {$950.00} ) and  she is going to file a dispute for {$90.00}. I called back in XX/XX/XXXX and penfed could not find in their records any conversation I had with XXXX. My call was handled by another customer service supervisor and she told me that she will get me the copy of the void check. I have not gotten anything yet. 

I 'm a bit disappointed by the lack of knowledge and call resolution by the member services team in this case. I would request you to add {$950.00} back to my account since this was due to lack of help and support from penfed customer service. I count on my bank to protect me and advise me the right way. 

Thanks for your attention.
Consumer complaint received 2018-03-19
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2018, I received a letter from XXXX indicating my {$25000.00} credit line was being reduced to {$14000.00}. 

Because I understand the ramifications of that action upon my FICO score relative to the current balance on the account ( {$13000.00} ), it would show that I was Maxed out on utilization of credit : a negative impact to me, whether XXXX states in their letter they have nothing to do with FICO, their actions do! 

In our attempt to pay down our balances, we moved ours to XXXX because it offered a lower interest rate, and for two years have successfully been lowering our debt accumulated with XXXX children. 

I was making some real progress, picking up odd jobs and then boom, my husband, unknown to me, made 2 mistakes : missing a payment, and then posting the payment to a closed XXXX   account we had. As a result of these delinquencies now - even though he made a payment ( technically ) after missing that one - they made this decision to lower my limit. That changed my utilization percent of debt from a 50 % to a 96 % use rate - which impacts me negatively on the credit report. When I called to explain all that I found out : the payment made to the wrong account - that resultant effect to them showing 2 delinquencies which really was not - husband just posted incorrectly - and subsequent reduction of limit - causing a negative impact to my credit score which would negatively impact me - asking they reinstate it - the man on the other end of the phone, rudely stated that it was my responsibility to pay the bill. His name was XXXX on the enclosed docs. I have personally been the XXXX to my mom with XXXX for the last year and XXXX children, 4 dogs, 6 cats etc. This is why my husband pays the bills. He is the income and maintains the knowledge of what needs to be paid when. I had all this going on which I explained to XXXX, further explaining that my only concern was the result of their decision on my credit report/and score/and skewing the utilization %. He didn't care. Said they had nothing to do with FICO. But they do. They absolutely do. They make decisions based on small mistakes consumers make and don't care when you point out that the payment was sitting in the incorrect account. They fixed it and moved it, once I pointed it out to them, but were unwilling to address my real concern which was the change in my debt utilization % due to their decision to reduce my credit limit, which I was not even using, due to our efforts to pay off our debt.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNIVERSAL COLLECTION SYSTEMS, INC (NV)

Called XXXX XXXX XXXX to pay off payday loan and the debt was sold off multiple times and ended up in the lap of people calling themselves assurance made payment plan with them and would not give me itemized documents for payment plan or proof of payment plan turns out they are using the name universal at phone number XXXX they did charge me the amount listed and agreed on but I need documents or how else am I going to prove Im making payments. They were calling my family multiple times
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (TX)

On XX/XX/18, I received a communication from XXXX XXXX XXXX XXXX in an attempt to recover a debt on behalf of original creditor, XXXX XXXX. Contents of letter indicated they were offering to settle the debt at 35 % of balance owed over the course of 24 months. 

I called the office notated on the letter to offer to pay the settlement offer outlined, in full, via bank check, provided they send over a letter, on company letterhead, outlining the following : 1. Verification of debt 2. Verification of authorization to collect debt on behalf of XXXX XXXX 3. Terms of settlement offer 4. Next steps for discharging debt/judgement with XXXX XXXX attorneys ( Satisfaction of Judgement ) The original call center rep, XXXX XXXX, attempted to collect information irrelevant to the settlement offer I was agreeing to pay in full today, such as employment information, why I was in debt, what I am doing to prevent it, as well as information to secure a post dated check from me, or bank routing details. 

I further confirmed that I will await settlement terms above in writing, and upon receipt, will send full settlement offer via Bank check. They seemed unwilling to entertain any conversation that did not entail passing them my personal banking information. 

After conceding to sending the above letter to me via overnight mail, she put me on hold to verify with her floor supervisor, XXXX (? ), who then took the line and proceeded to argue that they would not verify in writing that they are authorized to collect debt or authorize settlement. 

After further escalation to his supervisor, whose name I did not catch, I was told the same, argued with, and essentially prevented from paying the outstanding debt if I would not do so without written verification of settlement terms and verification of authorization of their agency to collect. I was told to contact XXXX XXXX and figure it out myself. 

Further, this agency has contacted various parties outside of myself in attempt to collect debt, and without the above verification, I have requested they cease and desist and further communication, via any channels. 

I then contacted XXXX XXXX to discuss alternate means of settling said debt directly. They opened an internal inquiry/complaint against XXXX XXXX, as they are their contracted firm, and will be outlining to this agency that they are to follow the request I have made in order to settle the debt, as it is reasonable and to the letter of the law, and will alternately consider leveraging a different third party collection agency to settle said debt on their behalf.
Consumer complaint received 2017-11-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

My student loan payment history does not reflect the actual amount I paid. I called discover student loan services repeatedly and explained that the payments deducted from my bank account is not accurately reflected in the payment history. The account show less payment even though more payment is deducted from my bank account. I asked for a copy of my records, and waited to receive it for months but never received it.
Consumer complaint received 2017-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXXon my credit card accounts.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On or around XX/XX/XXXX I signed up for a six week subscription to our local newspaper XXXX XXXX XXXX XXXX for {$29.00} -On XX/XX/XXXX I called to XXXX XXXX about an unauthorized charge for {$24.00} on my credit card, I called canceled my subscription before the end of my six week trial and requested a refund for the unauthorized charge. My paper stopped being delivered shortly after this call. I noticed a 2nd unauthorized charge for {$29.00} on XX/XX/XXXX, called again to inquire about the unauthorized charge. On XX/XX/XXXX I complained to my credit card company. My credit card company declined my claim because I could not prove that I canceled the paper. I shared that I canceled via a phone call and paper stopped being delivered.
Consumer complaint received 2017-11-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (GA)

Consumer received written notice from Ability Recovery Services , LLC ( " ARS '' ) demanding {$2300.00} on or about XX/XX/XXXX. In connection with the collection of a debt, ARS represented, directly or indirectly, expressly or by implication, that Consumer owed {$2300.00}. The representation was, in fact, false or was not substantiated at the time it was made. 

In XX/XX/XXXX, ARS furnished this false information to each major consumer reporting agency ( " CRA '' ). ARS communicated to third parties that Consumer was several months delinquent on a debt owed to XXXX University in the amount of {$2300.00}. ARS furnished this information post notice of inaccuracy by Consumer at the specified address for such notices.
Consumer complaint received 2017-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CO)

I opened an account with Coinbase, a US-based financial services company specializing in crypto currency. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I traded in virtual currency. They arbitrarily froze my account, would not explain why ( I read the customer agreement meticulously and ca n't understand why ), and now will not allow me to withdraw my money. I have contacted their customer service department at least a dozen times, and they will not do anything except sequester my funds, which are stuck in limbo due to this account closure.
Consumer complaint received 2017-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, National Association (NY)

We had a mortgage with New York Community Bank for almost 27 years. 
It is almost paid off. Throughout the years I have been back and forth with NYCB regarding my escrow account. I wanted them to do an audit as I explained there had to be an overage each year. 

They said there was no overage and they already looked at out account. This year the mortgage was sold to XXXX ( XXXX XXXX XXXX XXXX ) I called them during the transition and explained my concern. 
They said they would audit it and they did. We received a refund check for the 2017 escrow overage amount {$1300.00}. 

I want to request NYCB to investigate my mortgage account and refund all overages due. 
Thanks