davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLAZA HOME MORTGAGE, INC. (OR)

I made a payment to Plaza Home Mortgage on XXXX/XXXX/16. I received a confirmation number and a confirmation email. In XXXX I was told by Plaza Home Mortgage that I had cancelled my payment on XXXX/XXXX/16 XXXX. I did not cancel this payment. ( I find the time and the date of the cancellation very interesting. ) I received no confirmation number or any confirmation email that this payment was cancelled. Plaza home mortgage also states they tried to contact me to tell me of the cancellation. Plaza Home Mortgage called me on XXXX/XXXX/16 at XXXX and I returned the call on XXXX/XXXX/16 but there was no mention of the payment being cancelled by the Plaza Home Mortgage Customer Service Representative. There was no other phone call or correspondence from Plaza Home Mortgage regarding this cancellation. There was no way that I could have known this payment had been cancelled.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

The accounts in question are XXXX XXXX ( XXXX ) The statue of reporting has expired as of XXXX/XXXX/XXXX and it remains on my credit report. 
XXXX XXXX ( XXXX ) The orginal account was charged off since XXXX XXXX and both accounts are reporting and its passed the staue. 
XXXX ( XXXX ) Reporting pass the statue.Original delinquency wasXX/XX/XXXX
Consumer complaint received 2015-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: COLLECTION BUREAU INCORPORATED (ID)

Collection Bureau INC for ( Law Office Of XXXX XXXX ) is reporting a debt that I do not owe on my credit report for {$960.00}. However this debt is not valid since I never signed a representation agreement agreeing to any of these charges ( attached copy of original agreement thats NOT signed ),. This company only has a statement of account ( attached ) for multiple invalid, non contractual charges.
Consumer complaint received 2023-06-17
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: WELLS FARGO & COMPANY (RI)

XXXX XXXX XXXX XXXX Wells Fargo auto finance XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2023-02-20
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. (TX)

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-02-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (PA)

I received a letter from XXXX XXXX first advising that due to change in credit score decreasing credit limit. XXXX XXXX just sent the exact letter that XXXX XXXX sent with a credit score of XXXX. It appears that Equifax is the credit reporting agency. XXXX has advised that there has been no suspicious activity however Equifax has continued to report out this wrong information. I do have a copy of credit report from XXXX which does not show anything to support this low score from Equifax
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (WV)

Received credit disclosure information from the XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 and noticed that ( XXXX ) a huge discrepancy in credit scores and the credit bureaus continue to report identical key factors that adversely affected my credit scores. The exact key factors appeared on a disclosure of credit score information XXXX XXXX, 2016. I have written to the credit bureaus disputing these key factors, with XXXX response. Credit bureau asked that I be more specific. I replied that according to the disclosure information no specific accounts were included in these adverse key factors. I can only dispute what was presented to me. I find their comments totally absurd. A review of several credit reports does not reflect these horrendous key factors. 
There are no serious delinquencies. Public Records was a chapter XXXX bankruptcy dismissed and has been removed from XXXX of the XXXX credit reporting agencies. There are no accounts with delinquencies which makes the length of time nonexistence. The time since delinquency is too recent or unknown. This is a bogus comment with no supporting data.
Consumer complaint received 2016-06-09
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JAMES B. NUTTER & COMPANY (AR)

my mother in law got an reverse mortgage in XXXX XXXX for loan was for XXXX which is alot more than the property is worth. well she was in her XXXX when she got this. she is now XXXX.she now needs her son and my help with her finances. XXXX XXXX claims they have sent her XXXX thats on paper that they send her each month.my husband, her son tried to get an 3rd party but XXXX turned him down. they gave no reason. we have power of atty, what we want to know is when did they send this money, how much each time and where were these checks cashed. also she was paying XXXX a month for house insurance. we are completely shocked at that.that house isnt worth XXXX,. we were going to sell it, but nutter is giving us trouble. they want XXXX for an appraisal on the house.the realtor had a buyer. what we want is 3rd party and an itemized statement of when where and who cashed them. mom doesnt have any money at all in her account. there is no way she could have spent that much. the realtor can only find XXXX he cant find about XXXX of the loan. he suggested we get an lawyer. i hope you can help her. she work all her life for that house and now she has no money to take care of her. she should have more than enough for the rest of her life.thank you
Consumer complaint received 2020-06-01
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. (MO)

Equifax ; XXXX  and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Consumer complaint received 2023-06-12
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SinglePoint GI (OH)

XX/XX/2023 XXXX phone call message from The General Revenue Corporation from XXXX. Recorded call from XXXX who claims to be collecting a debt. My credit score is XXXX and I do not owe anyone a debt. This is the 5th or 6th spam/scam call Ive received and I am tired of being harassed. They call my home phone at XXXX all hours and I want this stopped.
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I noticed while looking at my Wells Fargo account history that the following activity on XXXX/XXXX/2023 was posted : " WITHDRAWAL MADE IN A BRANCH/STORE ''. I did not make a withdrawal. the amount was XXXX dollars in cash. I called wells fargo and they could not tell me which branch or anything except that this was done using a handwritten check. i have never used a check in my entire life except for once, a cashier 's check to buy a car. that is it. This is definitely fraudulent.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (UT)

XXXX unjustly report at me late I sent evidence from freedom mortgage to the credit bureau showing that I had made my payment on time they refused to take it out of my credit report stating that XXXX does n't want to remove it so they 're unwilling to remove it
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-26
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. (NY)

I notified Experian that I am a victim of identity theft and they accused me of being a credit repair company/person. I am not a credit company, I am a person, human
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, and XXXX are currently reporting negative information as a violation to federal laws. The XXXX Bankruptcy Court for the XXXX XXXX XXXX Georgia stated that they did not provide information to Transunion or XXXX and neither did I XXXX XXXX provide information or give them permission to report information. 
I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. Until such time as you provide verification of the debt, I am exercising my right to cease and desist all reporting activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 
Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all reporting activities on this debt. Failure to comply with this request will result in further legal action.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

On XXXX XXXX a fraudulent account using my name/SSN/other personal information was opened. I immediately closed the account and at XXXX XXXXXXXX XXXX recommendation, contacted XXXX to place a fraud alert on all XXXX major credit bureaus. I wish to remove this fraud alert since I instead froze my credit at all XXXX bureaus. I was easily able to remove it with both XXXX and XXXX. 

I spent hours the week of XXXX XXXX trying to make contact with Experian. I tried the online self service center ( click " remove alert '' ), which indicates that my request can not be processed each time I try. I tried submitting via their online document upload and also repeatedly received errors in submitting my information. I have called over XXXX times and keep getting put through the self-serve automated system only to eventually deadend even after indicating that I want to remove a fraud alert- it will repeatedly ask if I want to add an alert and eventually disconnects. I tried asking for a representative but the auto system indicates that a call can only be transferred for specific reasons and then it goes through the auto system again and eventually deadends. Pressing zero also ends in the line being cutoff. I did go online and checked for their chat service, but status has been unavailable each time I checked this week. There is no email contact listed for consumer queries. 

I just want to request the fraud alert be removed from my Experian credit, but I can't make contact in any way to achieve this.
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (AL)

For the past several months, I have received billing notices to pay for a credit card which I did not request or authorize. 
Today, XX/XX/2016, I received another notice from Wells-Fargo that my account " remains past due '' This account was fraudulently issued. I have never requested nor authorized this credit card account to be est
Consumer complaint received 2015-10-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (OH)

Private lender, expecting payments of XXXX a month. When I only make XXXX a year. Spoke with lender, told her I was still interviewing for a higher paying postion that this payment is outside of my income bracket. She refused to listen and said that I am expected to make the payment of {$340.00}, said she could n't make any payment changes. We both got irate and hung up. I am not saying I will not pay, I just need a lower payment ... and she did n't seem to understand that.
Consumer complaint received 2015-12-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

After 4 years of applying for home modification with Bank of America, I received XXXX earlier this year. There are several issues that I have been trying to resolve and BOA has given me a run around. Issues include a new loan principal that is more that the previous principal, this new principal is more that what I had purchased the house for initially and my home value is no where close to this loan amount. While seeking modification, I have continue to pay the bank my mortgage albeit not the entire amount. Upon modification, there is not a trace that I had payed BOA save for my own bank statements. The money simply vanished. The documents I signed also are very suspicious as there are too many inconsistencies. I was told by an agent from the bank I should be happy I got the modification and I am not eligible again if I do not accept this mod, and I constantly had foreclosure threats leveled at me for the past 4 years. BOA reset my loan back to 30 years, did not reduce my interest rate and has tagged on a {$50000.00} fee that is due at the end of the 30 years and have not been able to explain the origin of this back-end loan. The only evidence of the existence of this bogus loan and my responsibility to pay it as a lump sum in 30 years is no where else but the modification papers. 
XXXX spoken to a few mortgage law experts, it seems there are quite a few violations with the loan and the whole process surrounding it. I would like an answer to all these issues once and for all and and hope this gets resolved soon.
Consumer complaint received 2022-02-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$1800.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-10-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the past two years I have been unable to pay my mortgage within the first two weeks of the month. Bank of America personnel in the bank branches and at their XXXX customer contact phone numbers have told me when paying in the last few days of the month to avoid a 30 day late payment, I must pay over the phone. They charge up to {$20.00} per payment to pay over the phone with a debit card. This charge is in addition to a late charge. I feel the bank should post the payments made in their branches immediately instead of forcing me to pay the extra fee each month by phone to avoid a late posting of my payment.
Consumer complaint received 2020-07-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Application number XXXX for Paycheck protection program submit XX/XX/XXXX .They didn't respond till XX/XX/XXXX application has been canceled reason is the documentation provided didn't support the loan amount you requested.Call me today and trying explain reasons but nothing new what is not in letter what they send to me.On application what I submit is Treasury guidance : For seasonal businesses the applicant elect instend use average monthly payroll for the time period between XX/XX/XXXX and XX/XX/XXXX.Because my business is seasonal I send my bank statements to support that. On some reason bank didn't use that documents they used only my tax preparation for XXXXThis is reason why I filing complaint.They did discrimination : Refusal of available loan or workout option even through you qualify for it based on advertising requirements.
Consumer complaint received 2016-07-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (KY)

I received a letter from Phoenix Financial Services, LLC. dated XXXX/XXXX/XXXX stating a debt for creditor XXXX XXXX XXXX XXXX XXXX in the amount of {$570.00}. The date of service listed is XXXX/XXXX/XXXX. I have sent XXXX letters to the company asking to verify this debt since I have no knowledge of it. I sent the letters by USPS mail on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have yet to receive a response from the collection agency. I also noticed that the debt is being reported falsely to XXXX stating that the account was open on XXXX XXXX. This conflicts with the date of service listed on my letter for XXXX/XXXX/XXXX. This would allow the collection agency to collect well after the seven year statute of limitations would be expired.
Consumer complaint received 2017-02-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

Bayview loan servicing forced property insurance on my loan. My XXXX insurance agent has numerous examples were she has provided proof of insurance on my behalf.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

First of all Cash Central initially opened the account without my knowledge and deposited money into my account. After they bribed me to keep the loan with a lower fee, I eventually took out an installment loan and decided to stop the ACH payments and would pay with other means. I emailed them on XX/XX/XXXX, with no response. I have emailed them in the past with no issues, they have also emailed me with no issues. They proceeded to take out my payment anyways and so I called to resolve the issue and they hung up on me 2 times. I also attempted to chat and they just said for me to call the number. They have not held up to the contract.